Legal Information

Pointview Holdings Pty Ltd trading as Consilium Financial, is a corporate authorised representative #338404 of Risk and Investment Advisors Australia Pty Ltd, AFSL 238141, ABN 21 104 922 394.

Disclaimer - Risk & Investment Advisors Australia Pty Ltd (RIAA)
Risk & Investment Advisors Australia Pty Ltd (RIAA) is the holder of Australian Financial Services Licence No.238141. "Risk and Investment Advisors Australian Pty Ltd" is the registered business name of Risk and Investment Advisors Australian Pty Ltd (ABN 21 104 922 394).

Accuracy of Information
This Site has been prepared from information believed to be accurate and reliable at the time it was sourced. No Risk & Investment Advisors Australia Pty Ltd director, employee or agent of Risk & Investment Advisors Australia Pty Ltd, 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, Risk & Investment Advisors Australia Pty Ltd 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 Risk & Investment Advisors Australia Pty Ltd 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 Risk & Investment Advisors Australia Pty Ltd. 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 Risk & Investment Advisors Australia Pty Ltd'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, Risk & Investment Advisors Australia Pty Ltd 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 Risk & Investment Advisors Australia Pty Ltd (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 Risk & Investment Advisors Australia Pty Ltd will not expose Risk & Investment Advisors Australia Pty Ltd to any civil or criminal liability;
c. licence Risk & Investment Advisors Australia Pty Ltd 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 Risk & Investment Advisors Australia Pty Ltd to any civil or criminal liability.

By sending any information to Risk & Investment Advisors Australia Pty Ltd you agree to indemnify Risk & Investment Advisors Australia Pty Ltd 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.

Risk & Investment Advisors Australia Pty Ltd 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"). Risk & Investment Advisors Australia Pty Ltd 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 New South Wales, Australia.