Legal Information and Terms and Conditions

By accessing this website, you acknowledge your agreement with, and understanding of, the following legal information and terms and conditions relevant to this website and any material on it. Please read the information carefully. If you do not agree to the legal information and terms and conditions below, please do not access this website or any pages on this website any further.

We update our site as regularly as practicable. But sometimes information can change quickly. Accordingly, neither Smallco nor its associates guarantee the accuracy of this website at any time. We are not liable to you in any way for any loss incurred by you from relying on the content of this website and nor are we liable to you for any data corruption you may experience on download.

Smallco is only responsible for the information available on this website. As soon as you leave this website we are no longer responsible for the information you access. Any hyper-link from our website to another website does not imply that Smallco endorses the content of the linked site. Smallco has not reviewed any of the websites which link to this website. Following links to any off-site pages or other websites is entirely at your own risk.

Where a Product Disclosure Statements (PDS) is available on this website it is intended for use by Australian residents only. The PDSs are prepared under Australian law and do not:

• constitute an offer of financial products;
• constitute an invitation to subscribe for financial products, to enter into any legal agreement of any kind or to exercise any rights in relation to the offering of any financial products; or
• amount to a solicitation for any business, in any place other than Australia.

Accessing and/or using information relating to countries of which you are not a resident is done entirely at your own risk.

Neither Smallco nor its associates guarantee the performance of any of the financial products available for offer on the website, the repayment of capital invested or any particular rate of capital or income return (unless otherwise stated in the individual PDSs). Remember, past performance information is not necessarily a guide to future performance. Amounts are in Australian dollars unless specified otherwise.

No content on this website should be taken as personal or general financial product advice. In preparing this website, we have not taken into account any investor's investment objectives, financial situation or particular needs. You should seek advice before making any investment decision.

Smallco publishes this website unless specified otherwise. You must not modify it. Smallco owns all copyright to the material available on this website. The copyrights of third parties are reserved. The material is accessible for browsing purposes only. Any re-publication of this material requires the express consent of Smallco. Please contact us if you would like to reproduce any content available on this website or if you would like to link your website to ours.

Smallco owns and maintains the website. Nothing on the website should be construed as granting any licence or right to use any image, trademark or logo. Downloading or otherwise copying from the website does not transfer title to any software or material on the website to you. Smallco reserves all rights with respect to copyright and trademark ownership of all material on the website. Smallco will enforce such rights to the full extent possible under applicable law.

Neither the information nor any opinion expressed in the website constitutes an offer by any member of Smallco to buy or sell any financial products nor the provision of any financial product advice or service. None of the services or financial products referred to on the website are available to persons resident in any state or territory where such distribution would be contradictory to local law or regulation.

Although Smallco has taken all reasonable care that the information contained on the website is accurate at the time of publication, no representation or warranty (including liability in respect of third parties), expressed or implied, is made as to its accuracy, reliability or completeness by Smallco or its associates. Opinions and any other contents on the website are subject to change without notice.

The information and opinions contained on the website are provided without any warranty of any kind, either expressed or implied, to the fullest extent permitted under applicable laws. Certain legislation, including the Trade Practices Act 1974 and similar State and Territory legislation, may confer rights and remedies on you which cannot be excluded, restricted or modified ("Non-excludable Rights"). Notwithstanding the foregoing paragraph, Smallco does not exclude any Non-excludable Rights but does exclude all other conditions and warranties, whether implied by custom, law or statute. To the fullest extent permitted by law, Smallco's liability for breach of any implied warranty, condition or undertaking which cannot be excluded is limited, at the option of Smallco, to (a) in the case of services, the supply of the services again or the payment of the cost of having services supplied again; and (b) in the case of goods, the replacement of the goods or the supply of equivalent goods, the repair of such goods, the payment of the cost of replacing the goods or acquiring equivalent goods, or the payment of the cost of having the goods repaired. Smallco accepts no responsibility for, and makes no warranties that, functions contained on the website will be uninterrupted or error-free, that defects will be corrected, or that the website or the servers that make it available will be free of viruses or other harmful components.

Under no circumstances, including, but not limited to, negligence, will Smallco be liable for any special or consequential damages that result from the access or use of, or the inability to access or use, the materials on the website.

In the event of any dispute arising from this website, the laws of New South Wales will apply. You consent to the non-exclusive jurisdiction of the courts of New South Wales.