Disclaimer

All content published on this website, and all information provided in our education sessions, is intended for general educational and informational purposes only. Nothing on this website or in any session, communication, or material produced by ASWF constitutes personal financial advice, investment advice, tax advice, legal advice, or any other form of professional advice.

ASWF is an educational service. We are not a licensed financial adviser, financial planner, stockbroker, tax agent, or credit provider. We do not hold an Australian Financial Services Licence (AFSL) and we are not authorised to provide personal financial advice under the Corporations Act 2001 (Cth).

ASWF does not recommend, endorse, or promote any specific investment product, financial product, platform, provider, broker, fund manager, or service. Any reference to a particular asset class, investment structure, or financial concept is made purely for educational illustration and does not constitute a recommendation to buy, sell, or hold any investment.

You should not make any investment decision based solely on information provided by ASWF. Before making any financial decision, you should seek independent advice from a licensed financial adviser who is authorised to provide advice tailored to your personal circumstances, financial situation, and objectives.

All investment decisions are made solely at your own discretion and risk. ASWF accepts no responsibility whatsoever for any investment decision you make, or for any outcome — financial or otherwise — that results from acting on, or failing to act on, any information, content, or material provided by ASWF through any channel, including this website, education sessions, communications, or published materials.

Investing involves significant risk. The value of investments can go down as well as up. Past performance is not a reliable indicator of future results. You may lose some or all of the capital you invest. Different asset classes carry different levels of risk, and no investment is guaranteed. It is your sole responsibility to understand the risks associated with any investment before committing funds.

You acknowledge that any action you take in relation to investing, financial planning, superannuation, tax, or any other financial matter is entirely your own decision, made of your own free will, and that ASWF has not directed, instructed, or advised you to take any such action. ASWF's role is limited to providing general financial education only.

To the maximum extent permitted by law, ASWF, its directors, officers, employees, contractors, agents, and representatives expressly exclude all liability for any loss, damage, cost, or expense of any kind — whether direct, indirect, incidental, special, consequential, punitive, or otherwise — arising from or in connection with: (a) your use of, or inability to use, this website or any content on it; (b) your attendance at or participation in any ASWF education session or program; (c) any investment decision or financial action you take based on, or influenced by, information provided by ASWF; (d) any reliance you place on the accuracy, completeness, or currency of any information provided by ASWF; or (e) any error, omission, interruption, or delay in the operation of this website.

This limitation of liability applies regardless of whether such loss or damage arises in contract, tort (including negligence), equity, statute, or under any other legal theory, and even if ASWF has been advised of the possibility of such loss or damage.

Where any law implies a warranty or condition that cannot be excluded, ASWF's liability for breach of that warranty or condition is limited, to the extent permitted by law, to resupplying the relevant services or paying the cost of having those services resupplied.

By accessing this website or engaging with any ASWF service, you acknowledge and agree that: (a) you have read and understood this disclaimer in full; (b) you understand that ASWF provides general education only and is not a licensed financial adviser; (c) any investment or financial decision you make is entirely your own responsibility; and (d) you will not hold ASWF liable for any loss or damage arising from your investment decisions or financial actions.

You agree to indemnify, defend, and hold harmless ASWF and its directors, officers, employees, contractors, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of this website or ASWF services; (b) any investment decision or financial action you take; (c) your breach of this disclaimer or any applicable law; or (d) any claim by a third party arising from your actions in connection with ASWF's content or services.

While ASWF takes reasonable care to ensure that the information provided is accurate and up to date at the time of publication, we make no representation or warranty — express or implied — as to the accuracy, completeness, reliability, or suitability of any information on this website or provided in our sessions.

Financial markets, tax laws, superannuation rules, and regulatory requirements change frequently. Information that was accurate at the time it was provided may no longer reflect current conditions or legislation. You should always verify information independently and seek current, professional advice before acting on it.

This website may contain references to or links to third-party websites, resources, or content. These are provided for convenience and informational purposes only. ASWF does not endorse, control, or take responsibility for the content, accuracy, or practices of any third-party website or resource. Accessing third-party links is done at your own risk.

Every person's financial situation is different. Before making any investment, financial, tax, or superannuation decision, we strongly encourage you to consult a qualified and licensed professional — including a financial adviser, accountant, or solicitor — who can assess your individual circumstances and provide advice appropriate to your needs.

The Australian Securities and Investments Commission (ASIC) provides a financial adviser register at moneysmart.gov.au, where you can verify the credentials of any financial adviser before engaging their services.

All content on this website — including text, graphics, logos, images, and educational materials — is the property of ASWF and is protected by Australian copyright law. You may not reproduce, distribute, modify, or republish any content from this website without our prior written consent.

You may print or download content from this website for your own personal, non-commercial use only, provided you do not modify the content and you retain all copyright and other proprietary notices.

We do not guarantee that this website will be available at all times or that it will be free from errors, viruses, or other harmful components. We reserve the right to suspend, withdraw, or restrict access to all or any part of our website at any time without notice.

This disclaimer is governed by the laws of New South Wales, Australia. Any disputes arising in connection with this disclaimer or the use of this website shall be subject to the exclusive jurisdiction of the courts of New South Wales.