The terms of use of this website include this legal disclaimer, Mutual Trust’s privacy policy and any other terms or conditions on this website. Use of this site and associated facilities is at your own risk. To the maximum extent permitted by law, Mutual Trust will not be liable for any loss or damage which may arise as a result of the use of this website, its content or the information on it. This includes, but is not limited to, the transmission of any computer virus.

Mutual Trust makes no warranties or representations about this website or any of the content. In particular, Mutual Trust takes no responsibility for any content posted by users of this site. All such content, whether expressed as opinions, statements or recommendations, are those of the users expressing such views and are not those of Mutual Trust. Where liability cannot be excluded, any liability incurred by Mutual Trust in relation to the use of this website or the content is limited as provided under the Trade Practices Act 1974 (s68A). In no circumstances will Mutual Trust be liable for any indirect or consequential loss arising out of the use of this website, including loss of business profits.

Unless otherwise specified, all material on the site is owned by Mutual Trust (or its licensors), and is protected by intellectual property laws (including without limitation copyright). You are only authorised to use the site and its contents for your personal, non–commercial use, unless you have prior written approval from Mutual Trust. You may print out any content on this website for your personal use, however, all other use, copying or reproduction of this website or any part of it is prohibited (except to the extent permitted by law). Mutual Trust is the owner (or licensee) of several registered trademarks which appear on this site, the use of which will infringe our intellectual property rights.

Any content provided by you (e.g. posting of BLOGs), although owned by you, is subject to a royalty-free, perpetual, non-exclusive, unrestricted, world-wide licence allowing Mutual Trust to use, copy, sublicense, adapt, transmit, publicly perform or display any such content. In submitting or posting any content to this site, you warrant that all such content submitted or posted does not violate the rights of any third party or any other laws. You must not use the site for illegal or defamatory purposes or in connection with material that does not comply with the laws and regulations of the various regulatory regimes in Australia.This site must not be used: to send unsolicited messages (commercial or otherwise); to harvest or otherwise collect information about others, including email addresses, without their consent; to transmit comments, remarks and/or images which are obscene, abusive, racial, defamatory, harassing or which infringe on the rights of other users of this site; or to transmit any material that contains viruses or any other harmful or deleterious program.

Mutual Trust's website may be linked to or from other websites that are not maintained or controlled by Mutual Trust. Mutual Trust makes no representations about the accuracy of information and takes no responsibility for the content on those websites.

Mutual Trust publishes electronic addresses on this website to facilitate communication relating to Mutual Trust’s business functions. This is not to be inferred as consent by Mutual Trust or the relevant addressees to receiving unsolicited commercial electronic messages or SPAM.

These terms and conditions may be changed by Mutual Trust at any time in Mutual Trust’s absolute discretion and without notice. Any changes to these terms and conditions will be available on Mutual Trust’s website. These terms and conditions do not in any way limit or alter any other terms and conditions on this website.

Third Party Website Terms and Conditions

The website of Mutual Trust may contain links to other websites operated by third parties ("Third Party websites"). Mutual Trust does not endorse, or approve of the operators of Third Party websites, or the information, graphics and material on those Third Party websites ("Third Party Material").

Subject to any applicable law which cannot be excluded, Mutual Trust makes no warranties or representations:

• Regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material or products or services available through Third Party websites; or
• That Third Party Material does not infringe the intellectual property rights of any person. Mutual Trust is not authorising the reproduction of Third Party Material by linking Material on this website to Third Party Material.

When you follow a link on the Mutual Trust website, material at a Third Party website may be displayed in your browser framed by Material on this website. This material is also Third Party Material for the purpose of these Terms of Use.

All offers to sell and statements relating to goods and services available on Third Party websites are the responsibility of and given by the Third Party website operator. In so far as such offers and statements are made on the Mutual Trust website, such offers and statements are made by Mutual Trust on behalf of the operator. Mutual Trust expressly disclaims acting in any other respect on behalf of Third Party website operators.

Third Party Software
Unless otherwise indicated software downloads available via links from the Mutual Trust website are third party products. These products may be subject to a licence agreement between you and the relevant product owner. To the extent permitted by law, Mutual Trust accepts no liability in respect of such third party products and Mutual Trust provides no warranty and gives no endorsement in respect of such products or any party connected with them. We do, however, welcome your feedback or suggestions concerning these products.