The Corporations Law requires that recommendations made to clients are consistent with the person’s financial needs and objectives and have a reasonable basis. This investment plan has been based on information which you have provided. If you believe we have misinterpreted or overlooked some relevant information, it is your responsibility to bring this to our attention before proceeding with this proposal.

We have relied on information supplied to us, which, where reasonable, we have assumed to be correct. Whilst all reasonable efforts have been made to substantiate such information, no responsibility can be accepted if the information is incorrect or inaccurate. This quote is prepared solely for the use of the client to whom it is addressed and we do not accept any liability whatsoever to third parties.

The recommendations in this report are based on current information and should only be considered to be current for one month from the date of this quote. After that time you should not act on any of the recommendations without further reference to us.

In the event that any advice or other services rendered by the Company constitutes a supply of services to a consumer under the Trade Practices Act 1974 (as amended), then the Company’s liability for any breach of any conditions or warranties implied under the Act shall not be excluded but will be limited to the cost of having the advice or services supplied again.

Subject to the above paragraph, nothing in any paragraph of this disclaimer affects any rights or remedies to which you may be entitled under the Trade Practices Act 1974 (as amended) or under the Corporations Law as a consequence of services being rendered by the Company.

Whilst every effort has been made to include relevant tax and social security considerations, you are advised to discuss your annual tax liability and the tax and social security implications of this plan with your tax adviser as the estimates contained herein are intended as a guide only.

Each paragraph of this disclaimer shall be deemed to be separate and severable from each other. If any paragraph is found to be illegal, prohibited or unenforceable, then this shall not invalidate any other paragraphs.

Conflicts of Interest

Ethos Financial Advisers hold no financial interest in any of the platforms or insurance providers recommended nor do the providers hold an interest in us.

We do not receive additional commissions or rebates for alliances with any particular providers (as we do not enter into such agreements).

The directors and advisers of Ethos Financial Advisers have not entered into any agreement with any provider which would influence our advice.

We do from time to time accept benefits from fund managers such as golf days and tickets to sporting events. This does not influence our advice.

We may provide you with our “soft dollar benefits register” for all events attended \ benefits received over $300 as required by the Australian Investment and Securities Commission (ASIC).