Australian Policy Traders is a trading name and division of T Zero Pty Ltd, ABN 86 643 032 654, a member of the The Outlook Group, of 11A Edwards Bay Road Balmoral, NSW, 2088. All of the content available on this website is intended to be for general information. All of the information available has been prepared without taking into account your personal objectives, financial situation or needs. Before you act on the information we may provide on the site, please consider whether it is appropriate for your personal or individual circumstances.

This website is provided by Australian Policy Traders. Your access to and usage of this website is subject to the “Terms of Use” disclosed below and by accessing and using this website you agree to be subject to the Terms of Use. If you do not agree to be bound by Australian Policy Traders Terms of Use please do not use this website.

Terms of Use

General advice only – seek independent advice

The information provided in this website is general in nature only and does not constitute investment advice or personal financial product advice. It does not take into account your investment objectives, particular needs or financial situation and does not constitute legal or tax advice. You should seek independent financial, legal and tax advice before making any decisions in connection with Australian Policy Traders financial services and products.

No Offer of Financial Products

The content of this website does not constitute an offer by any member of the Australian Policy Traders to buy or sell any financial products or service. Accordingly, reliance should not be placed solely on the content of this website as the basis for making an investment, financial or other decision.

None of the services or financial products referred to on the website are available to persons resident in any state or territory where it would be contradictory to local law or regulation to offer those financial products or services.

In particular, information available on this website is intended for the use of Australian residents only.

No Guarantees

Australian Policy Traders does not guarantee the performance of any of the financial products contained on the website, the repayment of capital invested or any particular rate of capital or income return. Australian Policy Traders does not warrant to make an offer to purchase any policy that it may assess as a result of information provided by this website. Any offer that maybe made by Australian Policy Traders to purchase any life policy will be subject to the terms and conditions of any such offer.

Australian Policy Traders is not a market maker in conventional life policies. We will assess any policy offered for sale by a policy owner at the direction of the policy owner. This assessment will be based upon the merits of the individual policy and market conditions prevailing at the time the policy owner directs us to assess their policy.

Past performance is not a reliable indicator of future performance. Performance comparisons are provided purely for information purposes only and should not be relied upon. The information included in this website may include information that is predictive in character which may be affected by inaccurate assumptions or by known or unknown risks and uncertainties and may differ materially from results ultimately achieved.

Although Australian Policy Traders has taken all reasonable care that the information contained on the website is accurate at the time of publication, no representation or warranty, expressed or implied, is made as to its accuracy, reliability or completeness by any member of Australian Policy Traders.

Opinions and any other contents on the website are subject to change without notice.

Disclaimer

Whilst all care has been taken in preparation of the information on this website, Australian Policy Traders does not warrant that it is accurate, reliable, complete, or free from error or omission. Australian Policy Traders does not accept any liability for any inaccurate, incomplete or omitted information of any kind or any losses caused by using information on the website. Australian Policy Traders is not liable to any website user for any direct, indirect, special, consequential or other damages that are related to the use of, or the inability to use, the content of this website.

External Links

This website may link to other websites. Australian Policy Traders has no control over the information on these websites or the products or services on them, and therefore makes no representations regarding the accuracy or suitability of the information, services, or products described on them.

Copyright

This website is copyrighted and protected by copyright laws. You agree to comply with all copyright laws in your use of material found on this website and to prevent any unauthorised copying of those materials.

Copyright in all website materials belongs to members of the Australian Policy Traders unless otherwise stated and does not pass to you when you download it. You may not alter the materials in any way or reproduce or otherwise use them for any public or commercial purpose unless you have prior written approval from us. You must not transfer the materials to any other person. You may print out any content on this website for your personal use.

Changes

Australian Policy Traders may change these Terms of Use in whole or in part, at any time. Changes in these Terms of Use will be effective when placed on the website. Your continued use of the website after any changes to the Terms of Use are posted will be considered acceptance of those changes.

Jurisdiction

These Terms of Use are governed by the laws of New South Wales and Australia.

Amounts are in Australian dollars unless specified otherwise.