Website terms & conditions

This website is owned by Mutual Trust Pty Ltd ABN 71 004 285 330 AFSL No 234590 to provide the services and conduct the business of the Mutual Trust Group. Use of this website is subject to the following terms and conditions and to Mutual Trust’s Privacy Statement. Please read the terms and conditions before using the website and understand that by continuing to use this website you agree to be subject to these terms and conditions.

General information only

The information contained and accessed on this website is provided in good faith and for general information only and does not consider your personal objectives, financial situation or needs. The information does not constitute or serve as a substitute for advisory, tax, financial, legal, investment or other professional advice, consultation or service. Before making any decisions involving financial products or services you should seek independent professional advice and read the relevant Financial Services Guide and any Product Disclosure Statements.

No warranty and disclaimer

We give no assurance or warranty that information on this website is current and take no responsibility for matters arising from changed circumstances or other information or material which may affect the accuracy or currency of information on this website. We make no representations about the content and suitability of this information for any purpose. Mutual Trust does not guarantee or warrant the website will be uninterrupted, without delay, error-free, omission-free, or free of viruses. 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 reliance on the information on it. This includes, but is not limited to, the transmission of any computer virus.


Copyright in this website is asserted by, and rests with Mutual Trust and unless otherwise specified, all material including data, pages, documents, online graphics, images and web pages, audio and video are protected by copyright, and may not be modified, reproduced, publicly displayed, performed, distributed or used for any public or commercial purposes without our explicit written permission.


The website may be used only for lawful purposes and it is prohibited to post on the website any unlawful, harmful, threatening, abusive, harassing, defamatory, or obscene material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any applicable law.

Linked Sites and Third-Party Software

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. 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.


Users agree to observe and maintain the confidentiality of all security features relating to use of the Website (including passwords, access arrangements etc.) as notified. Mutual Trust will not be liable for any unauthorised breach or disclosure of the security features.

Website and Email Communications

When you visit our website, we collect statistical data about that visit (which may include what you looked at and for how long and the way in which you moved around the site) which is not personally identifiable. We use this information to make our sites more useful and easily navigable. The website uses cookies to track how users navigate within the site and to recognise returning visitors. A ‘cookie’ is a small text file that is saved onto your computer or other device to record this information. Most web browsers give you the option to either allow or block cookies for selected sites or to delete the cookies that have already been recorded. Refer to the ‘Help’ section of your browser for instructions on how to do this. Cookies are generally not used to personally identify website visitors. However, we may use cookies and collect personal information from this website when it is provided voluntarily by you for example, when you fill in a form to subscribe to our publications or to register to attend a seminar. You will have the option to unsubscribe from the distribution list if you do not wish to receive this information.

Applicable law

The information and material on this website are provided for Australian residents or citizens who are currently located in Australia. The Terms and Conditions of this website are governed by the laws of Victoria, and Mutual Trust makes no representation that the terms are appropriate for use in other locations outside Australia. You agree to the jurisdiction of the courts of Victoria, Australia to determine any dispute arising out of these Terms.

July 2019