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Disclosure statement: Melbourne Financial Management Group Pty Ltd ABN 27 482 257 520 trading as MFM Group is a Corporate Authorised Representative and Credit Representative of Hillross Financial Services Limited. To read our Financial Services and Credit Guide Click here General Advice Warning: Access for persons from within Australia only This website is for only for the use of persons accessing the website from within Australia. The products and services described in this website are only available to persons accessing the website from within Australia. No investment advice provided to you Unless otherwise expressly stated to the contrary this website is not designed for the purpose of providing personal financial or investment advice. Information provided does not take into account your particular investment objectives, financial situation or investment needs. You should assess whether the information on this website is appropriate to your particular investment objectives, financial situation and investment needs. You should do this before making an investment decision on the basis of the information on this website. You can either make this assessment yourself or seek the assistance of any adviser. Unless otherwise expressly stated to the contrary the information on this website is not a recommendation to invest in any investments, securities or financial products offered by any partner of Hillross. Investment performance Unless otherwise stated to the contrary, Hillross does not guarantee any particular rate or return, the performance of any investment or the repayment of capital from any investment. Investment is subject to investment and other risks. Possible risks could include delays in repayment and loss of income or capital invested. Disclaimer and limitation of liability To the maximum extent permitted by law, Hillross will not be liable in any way for any loss or damage suffered by you through use or access to this website, or Hillross’s failure to provide this website. Our liability for negligence, breach of contract or contravention of any law as a result of our failure to provide this website or any part of it, or for any problems with this website, which cannot be lawfully excluded, is limited, at our option and to the maximum extent permitted by law, to resupplying this website or any part of it to you, or to paying for the resupply of this website or any part of it to you. General conditions These Terms and Conditions are governed by the law in force in the State of New South Wales, and the parties irrevocably submit to the non-exclusive jurisdiction of the courts of New South Wales and courts of appeal from them for determining any dispute concerning the Terms and Conditions. These Terms and Condition can be modified at any time by Hillross and you agree to continue to be bound by these Terms and Conditions as modified. We will give you notice of these changes by publishing revised Terms and Conditions on this website – we will not separately notify you of these changes. If the whole or any part of a provision of these Terms and Conditions are void, unenforceable or illegal in a jurisdiction it is severed for that jurisdiction. The remainder of the Terms and Conditions have full force and effect and the validity or enforceability of that provision in any other jurisdiction is not affected. This clause has no effect if the severance alters the basic nature of the Terms and Conditions or is contrary to public policy. hillross.com.au/terms-and-conditions/