Terms and Conditions

This website is operated by Melbourne Wealth Managers t/as Horizons Wealth, ABN 97 430 600 953. We are an authorised representative of RI Advice Group Pty Ltd ABN 23 001 774 125 AFSL 238429 an Australian Financial Services Licensee. These are the terms and conditions for use of this site and access to the information contained on this site. By using this site, you agree to these terms and conditions.

1. We and our authorising licensee and other members of the Insignia Financial Group of companies:
   • do not give any warranty or make any representation as to the accuracy, reliability, completeness or security of the information contained on this site and as to changes in circumstances after the date of publication that may impact on the accuracy of the information;
   • may change and update the information from time to time;
   • make no representation in relation to, and are not responsible in any way, for the content of any other site you access via this site; and
   • own the copyright in the information on this site.
2. Users must not use or reproduce any of the trademarks or other intellectual property appearing on this site.
3. Users of this site must not:
   • do anything to alter or modify the information on this site;
   • use the material on this site for any purpose other than as a source of information for personal use unless authorised to the contrary;
   • distribute, copy or otherwise reproduce in any way any of the material available from this site unless it is expressly authorised;
   • post any material which is defamatory, in breach of copyright, in breach of the Competition and Consumer Act 2010 or otherwise in any way unlawful or inappropriate.
4. Users can print a hard copy of material on this site for their personal use only other than material where this is prohibited by a notice to that effect on this site.
5. The information contained on this site is made available to residents of Australia and its territories and is not intended to be a recommendation, offer or invitation to take up securities or to make a decision in respect of any financial product or any other matter.
6. We, our authorising licensee and other members of the Insignia Financial group of companies are not liable in any way to any person for any loss, damage, cost or expense incurred as a result of the material contained on this site or from unauthorised access to, or any misuse of this site including, without limitation, any negligence by us.
7. Links to other sites are provided for your convenience only. Any such links do not constitute or imply endorsement or recommendations of any other company, product or service or any affiliation between us and other organisation (unless otherwise expressly stated).
8. You consent to us monitoring your use of this site and agree that we may suspend the operation of this site, or restrict your use of it, at any time and without any further notice to you.
9. This site is designed for Australian residents only. Nothing on this website is an offer or a solicitation of an offer to acquire any products or services, by any person or entity outside of Australia.