Terms & Conditions

These are the terms and conditions for use of this site and access to the information contained on this site.

1.       Apogee Financial Planning Ltd, it's authorised representatives and other members of the National 
          Australia group of companies:

(a)    Do not give any warranty or make any representation as to the accuracy, reliability, 
        completeness or security of the information contained on this site and as to changes in 
        circumstances after the date of publication that may impact on the accuracy of the
(b)   May change and update the information from time to time;
(c)    Make no representation in relation to, and are not responsible in any way, for the content of 
        any other site you access via this site; and
(d)   Own the copyright in the information on this site.

2.       Any trademarks appearing on this site are the trademarks of a member of the National Australia 
          group of companies or a third party.  Users must not use or reproduce any of the trademarks 
          that appear on this site.

3.       Users of this site must not:

(a)    Do anything to alter or modify the information on this site;
(b)   Use the material on this site for any purpose other than as a source of information for 
        personal use unless authorised to the contrary;
(c)    Distribute, copy or otherwise reproduce in any way any of the material available from 
        this site unless it is expressly authorised;
(d)   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.

4.       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.

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

6.       Apogee Financial Planning Ltd and other members of the National Australia 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 on this site or from unauthorised access to, or any misuse of
          this site including, without limitation, any negligence by Apogee Financial Planning Ltd and other 
          members of the National Australia group of companies.

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

8.       Users of this site agree to indemnify Apogee Financial Planning Ltd and other members of the 
          National Australia 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 on the 
          site by the user or from the alteration, modification of or addition to material on the site by the 

9.       Apogee Financial Planning Ltd 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.  Apogee Financial Planning Ltd and other members of the 
          National Australia group of companies can reproduce, use, disclose and distribute the information
          to others in their absolute discretion.

10.     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 Apogee Financial Planning Ltd and other organisation (unless otherwise 
          expressly stated).  Apogee Financial Planning Ltd does not control and is not responsible for the 
          content of any other site accessed via this site.

11.     You consent to Apogee Financial Planning Ltd monitoring your use of this site.