Harness Financial Services are Corporate Authorised representatives of Viridian Advisory Pty Ltd AFSL 476223. General advice and general educational information on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness to your objectives, financial situation and needs. By accessing and viewing this website you agree to be bound by the Terms and Conditions of this website.

1. This website is owned by Harness Financial Services Pty Ltd ABN 34 605 438 042.
2. Neither Harness Financial Services their directors, employees and associates guarantees the security of this website, gives any warranty of reliability or accuracy or accepts any responsibility arising in any other way from the information on this website and does not accept any liability for any loss or damage however caused as a result of any person relying on any information on the website. This disclaimer is subject to any applicable contrary provisions of the Australian Securities and Investments Commission Act (Cth) and Trade Practices Act (Cth).
3. Your access to this website is subject to these terms and conditions, the Magnitude Privacy Policy, notices, disclaimers any other terms and conditions or other statements contained on this website, and, if you use any of the services identified on this website for which additional or alternative terms and conditions are referred to, those additional terms and conditions for those other services (referred to collectively as “Terms of Use”). By accessing, viewing or otherwise using this website, you agree to be subject to these Terms of Use.
4. All information contained on this website is given in good faith and has been derived from sources believed to be accurate. However, the information is selective and Harness Financial Services has not verified the information, which may not be complete or accurate for your purposes. Harness Financial Services make no representation or warranty of any kind as to the accuracy or completeness of the information. It is general information only and should not be considered as a comprehensive statement on any matter and should not be relied upon as such.
5. You agree to use the links contained on this website at your own risk. Harness Financial Services will not be liable for any loss or damage from any cause (including negligence) to your system or website caused by or in connection with the use of or a link on the Harness Financial Services website. Any such loss or damage will be your responsibility.
6. Should you leave this site via a link contained within this website, and view content that is not provided by Harness Financial Services, including content in relation to the issue or sale of a financial product:
   
   1. You do so at your own risk. The content to which you link will not have been produced, checked for accuracy, or otherwise reviewed by Harness Financial Services. Harness Financial Services is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such site, whether actual, alleged, consequential or otherwise. Harness Financial Services makes no guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party.
   2. The issuer or seller of the financial product should be identified on the link.
   3. A PDS should be available from the place and from the person identified on the link.
   4. You should consider the PDS for the relevant product in deciding whether to acquire, or to continue to hold, the product.
7. Investments in any funds and trusts referred to on this website do not represent deposits with, or other liabilities of, Harness Financial Services, and are subject to investment risk, including possible delays in repayment or loss of income and capital invested. Save as expressed later in this paragraph, Harness Financial Services does not stand behind the repayment of capital or guarantees the investment performance of the funds and trusts referred to on this website. Certain life insurance policies issued may contain guarantees of benefits by those companies. Any guarantees are subject to, and limited by, the express terms of the relevant policies.
8. In preparing the information contained on this website, we have not taken into account your objectives, financial situation or needs. Before investing on the basis of the information contained on this website, you should consider (with or without the assistance of an adviser) whether the information in this website is appropriate to you in light of your particular objectives, financial situation and needs. You should obtain a prospectus, PDS or other disclosure document relating to a product referred to on this website before making any decision about whether to acquire the product.
9. The information on this site is based on current laws and their interpretation, including taxation laws. The levels and basis of taxation may change. The application of many laws, including taxation laws, depends upon an investor’s individual circumstances. You should, therefore, consider seeking professional advice on the legal and taxation implications of investing and should not rely on the information provided, which should be used as a guide only.
10. Harness Financial Services may, at its sole discretion, vary or modify these Terms of Use without notice. Any subsequent access to, or use by you of this website will constitute an acceptance of those modifications.
11. You agree that where Harness Financial Services is required, by law or otherwise, to provide you with a document, you consent to the provision of that document electronically through the links on this website. We suggest that you print a copy of the document, or file it electronically, for future reference.
12. The information on this website is provided to persons located in Australia only and is not being provided to any person who is located in any other country. References to currency are in Australian dollars.
13. Copyright in the information contained on this website is owned by Harness Financial Services. You >may use this information for your own personal reference only. You may reproduce this information in hard copy solely for your personal use. The information may not otherwise be reproduced and must not be distributed or transmitted to any other person or incorporated in any way into another document or other material.