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Terms and conditions

Terms and conditions

Please carefully read the following terms and conditions before using (‘this website’). By accessing and using this website, you are deemed to acknowledge and agree to be subject to the terms set out below, as well as our Privacy Policy (available at and any other notices, disclaimers, statements and any terms and conditions contained on other pages of this website (referred to collectively as ‘the Terms and Conditions’). The Terms and Conditions may be modified without notice and any subsequent access to, or use of, this website by you will constitute an acceptance of those modifications. 

This website

This website is owned and operated by Insignia Financial Ltd ABN 49 100 103 722 (‘Insignia Financial’) on behalf of related bodies corporate of Insignia Financial managed by a business division known as MLC Asset Management. These entities include but are not limited to IOOF Investment Services Ltd ABN 80 007 350 405, AFSL 230703, MLC Investments Limited ABN 30 002 641 661 AFSL 230705 and MLC Asset Management Pty Limited ABN 44 106 427 472, AFSL 308953 and together with Insignia Financial are referred to in this website as ‘we’ or ‘us’.

The capital value, payment of income and performance of any investment with us or any investment referred to on this website are not guaranteed. An investment with us or any investment referred to on this website is subject to investment risk, including possible delays in repayment of capital and loss of income and principal invested.

General advice and information only

Any advice and information on this website is of a general nature only, and has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, you should consider whether it is appropriate in light of your own objectives, needs and/or financial situation.

Disclosure document

IOOF Investment Services Ltd and MLC Investments Limited offer products described on this website. The offers are contained in the relevant product disclosure statement (PDS) or other disclosure document. Before making any decision about whether to acquire or continue to hold an interest in a product, you should obtain and consider the PDS or other disclosure document relating to the product. Target Market Determinations (TMDs) for relevant products are also required to be made available and considered by distributors. A copy of the PDS (or other disclosure documents) and TMD can be accessed at or by calling us on 1300 738 355.

Currency and accuracy of information

While we have taken all reasonable care in producing the information on this website, changes in circumstances may occur at any time and may impact the currency and accuracy of the information. The information on this website is general information and should not be considered as a comprehensive statement on any matter and should not be relied upon as such.

Neither Insignia Financial, any related body corporate or their directors, officers, employees, representatives and consultants give any warranty, make any representation as to, or accept responsibility for, the accuracy, reliability, timeliness or completeness of the information on this website or that your access to this website will be uninterrupted, error-free and free from viruses. While the information provided on this website is believed to be accurate, except in so far as liability under any statute cannot be excluded, neither Insignia Financial, any related body corporate or their directors, officers, employees, representatives and consultants accept any liability (whether arising in contract, tort, negligence or otherwise) for any error or omission in the material or for any loss or damage (whether direct, indirect, consequential or otherwise) suffered by the recipient of the information or any other person.

Third party information

We may from time to time publish information, articles and other material on this website that are written and prepared by third parties. Such material is provided for your interest and convenience only. The source of any such material will be clearly identified as an independent third party and we do not accept any responsibility for and disclaim all liability for the contents or accuracy of any such material, and the opinions expressed in the material should not be taken as our opinions or recommendations.

Investment risk

All investments come with some risk. Some investments will have more risk than others as it depends on the investment’s strategy and assets. The level of risk you’re prepared to accept will be determined by you in light of your objectives, financial situation and needs. The risks associated with investing in our products are described in the relevant PDS or other disclosure document.

Past performance is not a reliable indicator of future performance. We do not guarantee the performance of our products, the return of an investor’s capital, any particular rate of return from our products, or any taxation consequences of any investment with us. This website may contain forward looking statements. Although reasonably formed, actual events or results or actual performance may differ materially from those reflected or contemplated in such forward looking statements.

Tax information

Any tax related information contained on this website does not constitute advice. As taxation legislation is complex, we recommend you seek expert advice in relation to your personal circumstances.


All figures and amounts displayed on this website are in Australian dollars and are current at the time of issue, but may change at any time. All unit prices or asset values contained on this website are historical figures based on our most recent valuations. Past performance is not a reliable indication of future performance. 

Australian investors only

The financial products or strategies described in this website are available for investment by Australian residents only (and some New Zealand residents), and any financial product advice contained in this site is intended for Australian residents only and not for residents of any other jurisdiction.

Access to this website may be restricted by law in certain jurisdictions. In addition to any other restriction in these Terms and Conditions, this website cannot be accessed in the United States of America or its territories or possessions, nor can it be accessed by US persons. This website does not constitute an extension of an offer in the Unites States of America or to US persons.


We may, as a result of your access to this website, collect, hold and process personal information obtained about you such as your name, email address, contact details and other details you provide when you communicate with us in order to respond to your enquiry or request and provide you with resources and information about investment products and strategies and for purposes otherwise set out in our Privacy Policy at

We may disclose your personal information to third parties that help us deliver our services (including information technology suppliers, communication suppliers and our business partners such as investment managers) or as authorised by law, who may store such information overseas in the USA. If you do not provide us with this information, we may not be able to respond to your requests. 

Please read the Privacy Policy for more information on how your personal information will be treated when you use this website. Our Privacy Policy explains how: (i) you may access and seek to correct your personal information; (ii) to complain about the handling of your personal information; and (iii) we will handle any such complaint. If you would like any further information about our privacy policies or practices, please contact our Client Services team on 1300 738 355 between 9:00 am and 5:00 pm Sydney time, Monday to Friday or

Emails from us linked to the Terms and conditions

Private and confidential emails and any files transmitted with them are intended solely for the use of the addressee(s) and may contain information which is confidential. If you receive an email from us and you are not the addressee (or responsible for delivery of the email to the addressee), please disregard the contents of the email, delete the email and notify the sender immediately.

Provision of documents electronically

By obtaining a document via this website, you agree to the provision of the document electronically where we are required by law or otherwise, to provide you with the document.

Links to other websites

Links to other websites are provided for your convenience only. Any such links don’t constitute or imply endorsement or recommendations of any other company, product or service or any affiliation between us and any other organisation.

We do not control and are not responsible for the content of any other website accessed via links from this site, and make no representations or warranties regarding the accuracy, quality, fitness for purpose, or merchantability of these third party websites, or any products or services which may be offered by these third party websites. Any products or services obtained from these third parties are at your own risk and you should carefully review the third party's terms and privacy policy which govern such website, product or service.

Copyright, trademarks and intellectual property rights

Unless expressly stated, we are the owner, licensed or authorised user of the copyright and any intellectual property rights in any material, design, technology or concept contained on this website. All rights are reserved. You may use the information for your own personal reference only. You may reproduce the information in hard copy solely for your personal use. Except as permitted under the Copyright Act 1968 (Cth) or other applicable laws, this website or any portion of this website may not otherwise be reproduced, adapted, distributed, displayed, or transmitted to any other person or incorporated in any way into another document or other material, without our express consent.

LinkedInTM, the LinkedInTM logo, the IN logo and InMail are registered trademarks or trademarks of LinkedIn Corporation and its affiliates in the United States and/or other countries.

Governing law

These Terms and Conditions are governed by and are to be construed in accordance with the laws of New South Wales, Australia. You agree to the non-exclusive jurisdiction of the courts of New South Wales, Australia and any courts which may hear appeals from those courts in respect of any proceedings in connection with the Terms and Conditions or this website.

Terms and termination

Insignia Financial anticipates that this website will be enhanced on an ongoing basis and therefore the Terms and Conditions on this website may be updated as required. You should check the website regularly for changes to the terms. You acknowledge that by doing this Insignia Financial has provided you with sufficient notice of any changes. Insignia Financial may terminate your use of this website without notice.

You acknowledge and accept that your use of this website indicates your acceptance of these Terms and Conditions and the handling of your personal information in accordance with our Privacy Policy.

Resolving complaints

If you have a complaint, we can usually resolve it quickly over the phone. Please contact our Client Services team on 1300 738 355 between 8:30am and 5:30pm Sydney time, Monday to Friday.

If you’d prefer to put your complaint in writing, you can email us at:

Or, send a letter to:
30 The Bond, Level 3, 30 Hickson Road, Millers Point NSW 2000

We'll conduct a review and provide you with a response in writing.

If you’re not satisfied with our resolution or we haven't responded to you in 30 days, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA provides an independent financial services complaint resolution process that's free to consumers. You can contact AFCA:

In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne, VIC, 3001
Website: ,  open in new window
Telephone: 1800 931 678 (free call)

More information on our complaints management policy can be found here