Legal Information

Benchmark Consultants is a corporate representative #289570 of Australian Financial Services Ltd AFSL #297239 AFRS ABN #50116900362

Disclaimer - Australian Financial Services Limited

Australian Financial Services Limited (AFS) is the holder of Australian Financial Services Licence No.297239. "Australian Financial Services" is the registered business name of
Australian Financial Services Limited (ABN 50 116900362).

Accuracy of Information
This Site has been prepared from information believed to be accurate and reliable
at the time it was sourced. No Australian Financial Services Limited director,
employee or agent of Australian Financial Services Limited, gives any guarantee,
representation or warranty as to the reliability, accuracy or completeness of the
information on the Site, nor accepts any responsibility or liability arising in any
way (including by reason of negligence) for errors in, or omissions from, the
information on the Site. This does not limit any rights a person may have under
the Trade Practices Act. Subject to the law, Australian Financial Services Limited
does not accept any responsibility, or owe any duty of care, to any person acting,
or refraining from acting, as a result of information on the Site.

Life Insurance Policies
Applications for life insurance policies can only be made on the Application Form
contained in a current Product Disclosure Statement (PDS).

Superannuation
Applications for Superannuation can only be made on an application form
attached to a current Product Disclosure Statement (PDS).

Managed Investments
Applications for Managed Investments can only be made on an application form
attached to a current Product Disclosure Statement (PDS).
Performance and Forecasts
The past performance of the Funds is no indication of their future performance.
Any forecasts on this Site are subject to change without notice.

General Nature of Information
Any reference to currency is a reference to Australian Dollars unless otherwise
specified. The information on this Site is of a general nature only. Full details of
products and services on this Site can be obtained by contacting Australian
Financial Services Limited or your financial adviser. This Site is not designed for
the purpose of providing financial or investment advice or recommendations, and
should not be relied upon as such. Professional advice tailored to your individual
investment objectives, financial situation and particular needs should be sought
for this purpose.

Terms and Conditions of the Site
The content on the Site is made available by Australian Financial Services
Limited. The information linked from the URL and housed on the same machine as houses that URL ("the Site") is subject to the following Terms and Conditions. Each and every time you access or browse this Site you are deemed to accept the Terms and Conditions of the Site. All
information on the Site relating to any products or services is intended only for
the information of people within Australia. No advertising or other material
comprised in the Site and no offer made from the Site is intended for any person
outside Australia. Offers from the Site can only be accepted by a person who is
within Australia at the time of his or her acceptance.

You may reproduce any part of the content of the Site, however if you do so, you
must acknowledge Australian Financial Services Limited's copyright in that
content, and retain all markings which indicate the origin of the content. You
must not otherwise reproduce that content. Further, and notwithstanding
anything else in these Terms and Conditions, you must not reproduce any content
from the Site for a commercial purpose or for a profit making purpose.

Use of the Site is at your risk. To the extent permissible by law, Australian
Financial Services Limited excludes all warranties in relation to the information
available from the Site and disclaims all liability arising out of or consequent on
any:
a.
access by you to the information available from the Site;
b.
infection by any computer virus which occurs as a result of accessing the Site or any of the content
contained on the Site; or
c.
use of any information or content available from the Site.
By sending any information to Australian Financial Services Limited (including any
data, questions, comments, suggestions or information for inclusion in the Site)
you:
a.
represent that the information is not confidential to or owned by any person;
b.
represent that the receipt of the information by Australian Financial Services Limited will not
expose Australian Financial Services Limited to any civil or criminal liability;
c.
licence Australian Financial Services Limited to use and disclose that information at any time in the
future in any form and for any purpose;
d.
represent that the information is not illegal, defamatory or otherwise likely to expose Australian
Financial Services Limited to any civil or criminal liability.
By sending any information to Australian Financial Services Limited you agree to
indemnify Australian Financial Services Limited and all of its employees, officers
and agents from any loss suffered by them as a result of any use of, or reliance
on that information.

Australian Financial Services Limited has not reviewed any URL linked to or from
any part of the Site which does not form part of the Site ("Third Party Pages").
Australian Financial Services Limited is not responsible for any content found on a
Third Party Page, or any Site of which it forms a part. You must determine
whether any page is part of the Site each time you follow a link to that page.
These Terms and Conditions and your use of the Site are governed by the laws in
force in the State of Victoria, Australia.


 

PRIVACY DISCLOSURE STATEMENT

In order to comply with the requirements of the Privacy Act, we are required to advise you that this firm holds personal information about you. The information has been and will continue to be collected by us for the purpose of providing you with financial services including:
a) the preparation of your financial plan;
b) the provision of financial planning advice to you;
c) making securities and investment recommendations;
d) reviewing your financial plan;
e) reviewing securities and investment recommendations; and
f) for other related matters.

We are required, pursuant to the Corporations Act, certain regulations issued by the Australian Securities and Investments Commission and the Rules of Professional Conduct of the Financial Planning Association, of which this organisation is a principal member, to collect information about you for the purpose of providing you with the services referred to above. If you do not provide us with the information requested by us we may not be able to provide you with the services required.

We will from time to time disclose information about you to authorised representatives of this firm and to other professionals, insurance providers, superannuation trustees and product issuers in connection with the purposes detailed above. In the event we consider it necessary to use or disclose information about you for purposes other than those detailed above, or related purposes, we will seek your consent.
You are entitled to obtain access to the information which we hold about you by contacting the AFS’ Head of Compliance on 03 8320 1517 or by writing to P O Box 630, Collins Street West PO, Melbourne, Victoria 8007.