General information only

Any information on this website is general only and has been prepared without taking into account your particular circumstances and needs. Before acting on any advice on this website you should assess or seek advice on whether it is appropriate for your needs, financial situation and investment objectives.

A Product Disclosure Statement (PDS) or other disclosure document is available for products and services described on this website. You should obtain and consider the PDS or other disclosure document relating to the product or service you are interested in before making any decision about whether to acquire or continue to hold the product or service. Target Market Determinations (TMDs) for relevant products are also required to be made. You can obtain a copy of the PDS (or other disclosure documents) and TMD by searching for the applicable product at mlc.com.au or by calling us on 132 652.

Financial advisers

When you register to use this website, including any other website that is operated by Insignia Financial Ltd or the Insignia Financial Group (collectively, the “websites”), you accept the terms and conditions set out on each website.

Only you may access the websites with the password and user name we have provided you. You may only take actions that are authorised by your client. You must keep your password and user name confidential.

You agree to indemnify us and all other users of the websites against any losses, liabilities, damages and other claims which we or any other user may experience arising from the use of the websites by you, any person on your behalf or any other person using your password and user name.

We will deny your access to the websites where we have concerns about the security of your password and user name or the authorisation of your access.

Australian investors only

Unless specifically stated otherwise, the information on this website is prepared for Australian residents only, and all matters relating to this website are governed by Australian law. Applications to invest or for any insurance product will only be accepted from Australian residents.

Product and Service Issuers

The products and services described on this website are issued by the following entities:

A member of the Insignia Financial Group may provide personal financial product advice and/or authorised representatives to provide personal financial product advice on their behalf. This includes Bridges Financial Services Pty Limited ABN 60 003 474 977 AFSL 240837 trading as MLC Advice.

Currency and accuracy of information

While the Insignia Financial Group has taken all reasonable care in producing the information on this website, changes in circumstances may occur at any time and may impact the accuracy of the information.

Neither Insignia Financial Ltd, any member of the Insignia Financial Group of companies, or MLC Limited, or their directors or employees, give any warranty, make any representation as to, or accept responsibility for, the accuracy, reliability, timeliness or completeness of the information on this website now or in the future.

While the information provided on this website is believed to be accurate, subject to any terms implied by law and which cannot be excluded, neither Insignia Financial Ltd, any member of the Insignia Financial Group, MLC Limited or their directors or employees accept responsibility for any loss, damage, cost or expense (whether direct or indirect) incurred by you as a result of any error, omission or misrepresentation in any information in this website.

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. The Insignia Financial Group does not control and is not responsible for the content of any other website accessed via links from this site.

Availability of website

The Insignia Financial Group will use its efforts to provide access to this website on a 24-hour basis. However, there may be an interruption to the service to facilitate the website's maintenance or for any other reasons. The Insignia Financial Group will not be liable to any person for interruptions to the service for any reason.

Third party information

Third parties may provide certain information on this website. The Insignia Financial Group is not responsible for its accuracy and is not liable for any loss arising from any person relying, either wholly or partially, on information provided by third parties.

Privacy policy

The Insignia Financial Group Privacy Policy is also available on this website.

Changes

The Insignia Financial Group may vary this disclaimer at any time. Your continued use of the website constitutes your acceptance of the disclaimer as amended.

Governing law

The use of this website and the provision of such facilities, products and services will be governed by the laws of Victoria.

Account balances

Some of the product providers whose products are available on this website enable customers and members to be able to access information about their account balance and perform transactions online. Insignia Financial merely facilitates access to these online tools and accounts and accepts no liability or responsibility for any financial advice provided by or through these tools, unless that tool is operated by Insignia Financial.

Information about account balances is available on this website and may not always be completely up to date. If your transaction hasn’t been processed it won’t be included in your account balance. You can contact your adviser or us if you have any queries. In most cases, your account balance will reflect the transactions and balances of an account up to the close of business on the previous business day in New South Wales.

Transaction terms

You authorise us to act upon any instruction we receive which is transacted using your password and customer number. This applies whether or not the instructions were actually given by you. We may (but are not obliged to):

• inquire about or attempt to verify the authenticity of any instructions, or
• refuse to act on any instruction if in our opinion this is justified.

Nothing in these terms and conditions means that we have any commitment to enter into any transaction with you.

We don’t guarantee that email instructions sent by you will be properly received by us. Written confirmation of transactions will be provided in the first statement issued following a transaction. A statement may not include transactions conducted in the 24 hours before the statement is issued.
You should review all statements carefully and immediately notify us of any errors or omissions. We’ll keep computer records of the online communications between you and us, including your instructions and our responses, and the time of these communications. Unless there is an obvious error, these records will be conclusive and you agree that the records may be used as evidence in the event of dispute. You also agree that we may record telephone conversations which may be used as evidence in the event of dispute.

Unauthorised use of password and customer number

We may provide you with a password and customer number to access websites that are operated by Insignia Financial or the Insignia Financial Group. You must keep your password and customer number confidential and separately stored at all times. Once access is granted after entering your password and customer number, any actions taken are deemed to be made by you.

If you know, or ought to reasonably know, that an unauthorised user knows or may know your password, you must inform us immediately.

You’ll be liable, and we won’t be liable, for any unauthorised use of your password or customer number if the unauthorised transaction occurs before you notify us that your password or customer number may be known by an unauthorised person.

You won’t be liable for an unauthorised transaction using your password and customer number which occurs after you notify us if:

• you give us all assistance we require in investigating the unauthorised transaction or transactions, and
• you were in no way responsible for the password and/or customer number becoming known to an unauthorised user.

If your password or customer number becomes known by an unauthorised user as a result of your act or omission, or your failure to comply with these terms and conditions, you’ll be liable for all unauthorised use, whether it occurs before or after you notify us.

Security procedures

You are required to:

• take all reasonable measures to prevent unauthorised access to this website, and
• provide Insignia Financial with the assistance we may require in making any security checks that we may consider necessary.

You consent to us monitoring your use of this website.
You should:

• close all browser windows if you have finished accessing the website or intend leaving your PC unattended for any length of time;
• avoid using a shared or public computer, and
• exercise caution in executing any untrusted software and use an effective virus scanning product with regular virus signature updates.

Terms and termination

Insignia Financial anticipates that this website will be enhanced on an ongoing basis and therefore the terms 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.

Copyright and Trademarks

Copyright and other intellectual property rights in the information and content contained on this website is owned by the Insignia Financial Group unless otherwise stated.

Copyright in the content contained within this website subsists under the Copyright Act 1968 (Cth) and through international treaties. Use of the content contained on this website is governed by Australian law. All rights reserved.

You may download a single copy of this website page and, where necessary for its use as a reference, make a single hard copy. Except as permitted under the Copyright Act 1968 (Cth) or other applicable laws, no content contained within this website may be otherwise reproduced, adapted, performed in public or transmitted in any form (graphic, electronic or mechanical, including photocopying, recording, taping or by storage in an information retrieval system) without the prior written consent of the copyright holder.

"MLC", the “Nest Egg” logo, “MasterKey” and all associated trademarks displayed on this website are owned by the Insignia Financial Group.