This agreement together with any additional terms, conditions, notices and disclaimers contained elsewhere on the AFA website include the conditions of supply of material on, use of and access to the AFA website. Your continued use of the AFA website constitutes an affirmative, acknowledgment and agreement by you that you accept and agree to abide and be bound by these conditions and any modifications.

Should you object to any of these conditions or any subsequent modifications your only recourse is to immediately discontinue your use of the AFA website.

Accuracy of information and disclaimer of warranties

All material on the AFA Ideas Centre website is provided in good faith. It is derived from sources believed to be accurate and current as at the date of publication. Your use of the website is at your sole risk. Access to the AFA Ideas Centre website is provided on an 'as available' basis. Neither the Association of Financial Advisers Limited, its related bodies corporate nor its or their directors or employees make any representation or warranty that any material on the AFA Ideas Centre website will be reliable, accurate or complete (nor do they accept any responsibility arising in any way for errors in, or omissions from that material); or your access to the AFA website will be uninterrupted, timely or secure.

The Association of Financial Advisers Limited will not be liable for loss resulting from any action or decision by you in reliance on the information on the AFA website, nor any interruption, delay in operation or transmission, virus, communications failure, Internet access difficulties, or malfunction in equipment or software.

General information only – non advisory

The material on the AFA website provides general information only. It is not intended as advice and must not be relied upon as such. You should make your own inquiries and take independent advice tailored to your specific circumstances prior to making any decisions.

Copyright

The material provided on the AFA Ideas Centre website is copyright protected. You may use this material for your own personal reference or business only. Except for the temporary copy held in the computer's cache and a single permanent copy for your personal reference, the material may not otherwise be used, copied, reproduced, published, stored in a retrieval system, altered or transmitted in any form or by any means in whole or part (except where such use constitutes fair dealing under the Copyright Act) without the prior written approval of the Association of Financial Advisers Limited or the appropriate supplier or licensor of the AFA website.

You may not use any part of the material on the AFA website to establish, maintain or provide, or assist in establishing, maintaining or providing your own publications, Internet site or other means of distribution.

Trademarks

AFA is a trademarks of the Association of Financial Advisers Limited or its related bodies corporate. Other trade marks may be displayed on the AFA website from time to time. These may belong to third parties. Nothing displayed on the AFA website should be construed as granting any license or right of use of any logo, masthead or trade mark displayed on a website, without the express written permission of the relevant owner.

Your conduct

As a condition of your use of the AFA Ideas Centre website or any services on the AFA Ideas Centre website, you warrant to the Association of Financial Advisers Limited that you will not use the AFA website for any purpose that is unlawful or prohibited by these terms & conditions or any other terms, conditions or notices appearing anywhere on the AFA website. You agree to abide by all applicable laws and regulations.

In particular, you agree not to:

• use the AFA website to defame, abuse, harass, stalk, threaten or otherwise offend others;
• publish, distribute, e-mail, transmit or disseminate any material which is unlawful, obscene, defamatory, indecent, offensive or inappropriate;
• use any automated scripting tools or software;
• engage in or promote any surveys, contests, pyramid schemes, chain letters, unsolicited e-mailing or spamming via the AFA Ideas Centre website;
• impersonate any person or entity;
• upload, post, e-mail, transmit or otherwise make available using the AFA website any material that you do not have a right to make available under any law or contractual obligation or which contains viruses, or other computer codes, files or programs designed to interrupt, limit or destroy the functionality of other computer software or hardware;
• breach any applicable laws or regulations.

The Association of Financial Advisers Limited has no obligation to monitor any user's use of the AFA Ideas Centre website, however the Association of Financial Advisers Limited retains the right at all times to monitor, retain and disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request.

You will indemnify the Association of Financial Advisers Limited if the Association of Financial Advisers Limited or its related bodies corporate suffer any loss or damage or incur any costs in connection with any breach of these conditions or any other legal obligation by you or your use of or conduct on the AFA website.

GST

Unless stated to be otherwise, charges referred to for use of any services provided by the Association of Financial Advisers Limited via the AFA Ideas Centre website are GST inclusive. Where GST applies, upon payment for online credit by a Association of Financial Advisers Limited member, the Association of Financial Advisers Limited will deduct the GST it incurs from each payment and the Association of Financial Advisers Limited will issue the member with a Tax Invoice. The balance of the payment will be credited to a member's account.

In Australia, GST means the 10% goods and services tax charged under A New Tax System (Goods and Services Tax) Act 1999 (the "Act"). Tax invoice means tax invoice as defined by the Act.

Third party links and advertising

Hyperlinks and pointers to websites operated by third parties may appear on the AFA Ideas Centre website from time to time. These websites do not form part of the AFA website and are not under the control of the Association of Financial Advisers Limited or its related bodies corporate and neither the Association of Financial Advisers Limited nor its related bodies corporate have any responsibility for the contents of any such hyperlink or linked website. If you link to any such websites you leave the AFA Ideas Centre website and do so entirely at your own risk.

The AFA Ideas Centre website may display third party advertisements, which may or may not contain hyperlinks or referral buttons to websites operated by third parties. The display of such advertising does not in any way imply a recommendation or endorsement by the Association of Financial Advisers Limited or its related bodies corporate of the relevant advertiser, its products or services or any such linked website.

If you contact a third party using functionality provided on the AFA website, including via e-mail, the Association of Financial Advisers Limited accepts no responsibility for any actions taken by that third party in response to your communication or for any transactions entered into between you and the relevant third party.

Limitation of liability

The Association of Financial Advisers Limited and its related bodies corporate do not exclude any rights and remedies available to you under the Trade Practices Act (Cth) or any similar State or Territory legislation which cannot be excluded, restricted or modified. Otherwise the Association of Financial Advisers Limited and its related bodies corporate exclude all conditions and warranties which may be implied by law.

Applicable law

These conditions and all other specific and additional terms which govern your use or membership of and access to the AFA website will be governed by and construed in accordance with either the laws of the state of New South Wales, Australia.