Legal

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This website is intended to provide general information only and has been prepared by Godfrey Pembroke Group Pty Ltd (ABN 38 078 629 973 AFSL 245451) “GPG” of Level 2, 26 Brisbane Avenue, Barton ACT 2600, without taking into account any particular person's objectives, financial situation or needs. Investors should, before acting on this information, consider the appropriateness of this information having regard to their personal objectives, financial situation or needs. We recommend investors obtain financial advice specific to their situation before making any financial investment or insurance decision.

The use of this site is subject to the following Terms & Conditions. Please read them carefully. Using the site means that you have read and accepted the Terms & Conditions.

Godfrey Pembroke Group Pty Ltd ABN 38 078 629 973 ("GPG") is an Australian Financial Services Licensee, AFSL No: 245451.

This site provides information about the services and products of GPG and certain other information. GPG:

• do not give any warranty or make any representation as to the accuracy, reliability, completeness or security of the information contained in this site and as to changes in circumstances after the date of publication that may impact on the accuracy of the information;
• may change and update the information from time to time;
• make no representation in relation to, and are not responsible in any way, for any other site you access through this site; and
• own the copyright in the information in this site.

Any trade marks appearing in this site are the trademarks of a member of the Godfrey Pembroke Group Pty Ltd or a third party. Users must not use or reproduce any trademarks that appear in this site.

Users of this site must not:

• do anything to alter or modify the information in this site;
• use the material in this site for any purpose other than as a source of information for personal use unless authorised to the contrary;
• distribute, copy or otherwise reproduce in any way any of the material available from this site unless it is expressly authorised; and
• post any material which is defamatory, in breach of copyright, in breach of the Trade Practices Act or otherwise in any way unlawful or inappropriate.

The information contained in this site is general information only made available to residents of Australia. It has not been prepared taking into account any person's particular needs, financial situation or investment objectives and should not be relied upon as a substitute for financial, accounting, legal, tax or other specialist advice. It is not intended to be a recommendation,
offer or invitation to take up securities or other investments. You should seek advice from an appropriately qualified professional on whether the information is appropriate for your particular needs, financial situation and investment objectives

GPG are not liable in any way to any person for any loss, damage, cost or expense incurred as a result of the material contained in this site or from unauthorised access to, or any misuse of this site including, without limitation, any negligence by GPG.

All references in this site to "$" or "dollars" are references to Australian currency unless otherwise stated.

Users of this site agree to indemnify GPG from all liability, cost and expense, (including legal fees) arising directly or indirectly from the use or distribution by any person of material placed in the site by the user or from the alteration, modification of or addition to material on the site by the user.

This website is operated by Godfrey Pembroke Group Pty Ltd.  GPG will use its best efforts to provide access to this site on a 24-hour basis. However, there may be an interruption of the service to facilitate the site's maintenance or for any other reasons. GPG will not be liable to any person for interruptions to the service for any reason.

The process involved when we receive a complaint, is, we will:

• acknowledge your complaint within one business day of receipt or as soon as reasonably practicable;
• assess and investigate the matter(s) raised in your complaint;
• keep you informed of the progress of your complaint at key stages of the complaints handling process; and
• provide you with a written response that will explain our investigation, decision, and reasons for our decisions once our investigation is complete.

Generally, we will provide you with a response no later than 30 calendar days after receiving your complaint.

In some cases, a different time frame may apply where the resolution of your complaint is particularly complex, or there are circumstances beyond our control causing complaint management delays. Where this is the case, we will provide you with a delay notification which will inform you of the reasons for the delay and your rights to escalate the matter to the Australian Financial Complaints Authority (AFCA) if you are dissatisfied.

We are a member of AFCA. AFCA is an independent dispute resolution scheme available to consumers. If we have not resolved your complaint to your satisfaction or issue you with a delay notification, you can lodge your complaint with AFCA.

AFCA contact details

• Postal Address: GPO Box 3, Melbourne VIC 3001
• Telephone: 1800 931 678 (free call)
• E-mail: info@afca.org.au
• Web Address: www.afca.org.au

Please email all ASIC Reference Checking requests to our mailbox service@godfreypembroke.com.auom.au