Legal & disclaimers

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. Garvan Financial Planning

GWM Adviser Services Limited ABN 96 002 071 749 [AFSL number 230692] (GWMAS), trading as Garvan Financial Planning, is an Australian Financial Services Licensee and insurance broker.

2. Relationship with the NAB Group

GWMAS is part of the wealth management business of the National Australia Bank Limited (“NAB”) group of companies (“NAB Group”). GWMAS is a wholly owned subsidiary of NAB.

NAB does not guarantee or otherwise accept any liability in respect of the financial advice or services provided by GWMAS or its authorised representative.

GWMAS is associated with and may provide financial product advice on or deal in financial products issued by other members of the NAB Group including:

• MLC Limited
• MLC Investments Limited
• MLC Nominees Pty Ltd
• PFS Nominees Pty Ltd
• Navigator Australia Limited
• National Australia Bank Limited

3. Information contained in website

Neither GWMAS nor any other member of the NAB Group:

• gives 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; and
• make any representation in relation to, and are not responsible in any way, for any other site you access through this site.

GWMAS may change and update the information from time to time. While GWMAS and members of the NAB Group have taken all reasonable care in producing this information, subsequent changes in circumstances may occur at any time and may impact on the accuracy of the information contained in this website.

Copyright in the information subsists under the Copyright Act 1968 (Cth) and through international treaties and laws of other countries. It is owned by GWMAS or a member of the NAB Group unless otherwise stated.

4. Trade marks

Any trade marks appearing in this site are the trade marks of GWMAS, a member of the NAB Group or a third party. Users must not use or reproduce any of the trade marks that appear in this site.

5. 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 Competition and Consumer Act or otherwise in any way unlawful or inappropriate.

6. Purpose of information

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 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 any financial product. You should seek advice from an appropriately qualified professional on whether the information is appropriate for your particular needs, financial situation and objectives.

7. Fee and commissions payable

GWMAS and its authorised representatives may receive fees or commissions. All fees or commissions will be discussed with you prior to acting on your instructions.

8. Liability

The Competition & Consumer Act 2010 (Cth) or equivalent State or Territory legislation may confer rights and remedies on you in relation to the provision by us of goods or services which cannot be excluded, restricted or modified. However, GWMAS and the members of the NAB Group exclude all rights, remedies, warranties and conditions in respect of goods and services from your use of this site whether based in statute, common law or otherwise to the extent permitted by law.

GWMAS and other members of the NAB Group 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 GWMAS and other members of the NAB Group.

9. Currency references

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

10. Indemnity

Users of this site agree to indemnify GWMAS and other members of the NAB Group 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.

11. Availability of site

GWMAS 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. GWMAS will not be liable to any person for interruptions to the service for any reason.

11. Investments not deposits or liabilities of NAB

An investment with the MLC Group does not represent a deposit with or liability of the National Australia Bank Limited or other member companies of the National Group of companies and is subject to investment risk including possible delays in repayment and loss of income and capital invested.

The repayment of capital, the payment of income and any particular rate of return are not guaranteed by any company in the MLC Group or any member of the National group of companies or any other company, unless specifically stated in a current Product Disclosure Statement.