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.

1. MLC Financial Planning

GWM Adviser Services Limited ABN 96 002 071 749 (AFSL number 230692) trading as MLC Financial Planning ("MLC FP") is an Australian Financial Services Licensee and is a subsidiary of the National Australia Bank Group of companies.

2. Information Contained In Website

This site provides information about the services and products of MLC Limited and other members of the National group of companies and certain other information. MLC Limited, its Authorised Representatives and other members of the National group of companies: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; andown the copyright in the information in this site.

3. Trade Marks

Any trade marks appearing in this site are the trade marks of a member of the National group of companies or a third party. Users must not use or reproduce any of the trade marks that appear in this site.

4. User's Obligations

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;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.

5. Material Printing

Users can print a hard copy of material on this site for their personal use only other than material where this is prohibited by a notice to that effect on this site.

6. Liability

MLC Limited and other members of the National group of companies 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 MLC Limited and other members of the National group of companies.

7. Information Availability

The information contained on this site is made available to residents of Australia and its territories and New Zealand and is not intended to be a recommendation, offer or invitation to take up securities or other investments.

8. Currency References

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

9. Indemnity

Users of this site agree to indemnify MLC Limited and other members of the National group of companies 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.

10. Site Links

Links to other sites are provided for your convenience only. Any such links do not constitute or imply endorsement or recommendations of any other company, product or service or any affiliation between MLC Financial Planning and other organisation (unless otherwise expressly stated). MLC Financial Planning does not control and is not responsible or the content of any other site accessed via this site.

11. Monitoring

You consent to MLC Financial Planning monitoring your use of this site.

12. MLC Disclaimer

MLC limited and other members of the National Australia group of companies do not endorse and are not responsible for information, feedback, questions or comments placed on this site by third parties. MLC Limited and other members of the National Australia group of companies can reproduce, use, disclose and distribute the information to others in their absolute discretion.

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