By accessing or using this website, including any of the webpages located at the domain name (Site), you agree to be bound by these terms and conditions (Terms).
‘We’, ‘us’ and ‘our’ refer to The Financial Planning Association of Australia Limited ABN 62 054 174 453 (FPA).
This Site is owned and run by the FPA.
Unless expressly stated otherwise, the information on this Site and the links provided are for general information only and should not be taken as constituting professional advice or financial product advice (within the meaning of the Corporations Act) from FPA.
FPA is not licensed to provide financial product advice. You should consider seeking independent legal, financial, taxation or other professional advice to ascertain how the information on or via this Site relates to your personal circumstances.
Where articles on this Site are sourced from an Australian Financial Services licensee (AFS licensee) or the employee or authorised representative of an AFS licensee, we identify the source and AFS licensee. The AFS licensee is responsible for any general financial product advice given. General financial product advice does not take into account your objectives, financial situation or needs, and where it is provided you should consider seeking professional financial advice before acting on the general advice provided.
The FPA does not permit personal financial product advice to given via this Site.
FPA, or the relevant licensee, retains all rights (including copyrights, trademarks, patents as well as any other intellectual property rights) in this Site and the information provided on or via this Site. You must not download, publish, distribute or reproduce this Site or any of the information contained on this Site in any form without the prior written consent of FPA or the appropriate consent of the relevant licensee. However, you may print out and/or download information contained on this Site for your own personal and non-commercial use.
This Site may contain links to websites controlled or offered by third parties.
FPA is not responsible for the accuracy or content of third party websites which may have links from this Site. In creating hypertext links to any other websites, FPA is not endorsing or recommending that website, any information or material contained on that website, or any products or services offered on that website. FPA is not liable for any failure of products or services offered or advertised at those websites. The use of such links is entirely at your own risk and FPA disclaims liability for, any information, materials, products or services posted or offered on any of the third party websites linked to this Site.
Links to this Site are not permitted without the prior written consent of FPA.
No Warranty and Liability
This Site and the information provided on or via this Site are provided “as is” and “as available”. FPA does not warrant the accuracy, adequacy or completeness of this Site and the information provided on or via this Site and, to the extent permitted by law, expressly disclaims liability for errors or omissions in this Site and the information provided on or via this Site. Except for warranties which cannot be excluded by law, no warranty of any kind, implied, express or statutory, but not limited to the warranties of non-infringement of third party rights, title and freedom from computer virus, is given in conjunction with this Site and the information provided on or via this Site.
To the extent permitted by law, in no event will FPA be liable for any loss or damages, including without limitation, direct or indirect, special, incidental or consequential damages, losses, or expenses in connection with this Site or any linked site or the use of this Site or any linked site or inability of use by any party, or in connection with any information provided on or via this Site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if FPA or its representatives, are advised of the possibility of such damages, losses or expenses.
To the extent permitted by law, liability under any condition or warranty which cannot be legally excluded is limited at FPA’s option to replacement or resupply of goods or services or payment for the replacement or resupply of goods or services.
This Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.
This Site and its Terms are governed by and will be construed in accordance with the laws of Victoria, Australia. You irrevocably and unconditional submit to the non-exclusive jurisdiction of the courts of Victoria, Australia, and of the Federal Court of Australia.
FPA reserves the right to change the information provided on or via this Site, including these Terms, at any time and without notice. It is recommended that you review the information provided on or via this Site, including these Terms, periodically for changes.
Find a Planner
- FPA offers the “Find a Planner” referral service (Find A Planner) for the benefit of the public and FPA members.
- The purpose of Find A Planner is to assist the public to locate FPA members in their area so they can obtain financial planning advice.
- By using Find A Planner, you agree:
- you will use the information obtained from Find A Planner solely for the purpose of seeking financial planning services from FPA members;
- you will not use the information obtained from Find A Planner:
- for marketing, selling or advertising;
- to harass, intimidate or bully FPA members; and
- in any other way that is contrary to the purpose of Find A Planner; and
- you use Find A Planner at your own risk.
- FPA takes no responsibility for and make no representations as to the:
- suitability of the FPA member to meet your particular financial planning needs;
- level of training or suitability of the FPA members for the services they may be required to perform.
You should always make your own enquiries as to the suitability of the FPA member to carry out the nature and scope of the work which you seek to be undertaken.
- FPA takes no responsibility for the accuracy, adequacy or completeness of information or advice provided by, to or on behalf of, FPA members.
- FPA does not accept responsibility for any form of loss or liability incurred by you arising directly or indirectly or in connection with any referral, irrespective of whether the loss or liability is the result of any negligence or other default on the part of FPA.
- FPA does not guarantee the existence, currency or adequacy of appropriate professional indemnity insurance of its members.
Ask a Planner
The planner who answers your question does not act on behalf of FPA. The opinions expressed and information provided by the planner are not those of FPA. The planner is responsible for any financial product advice provided and for satisfying any related regulatory requirements. FPA exercises no control over, does not endorse and takes no responsibility for any financial product advice provided. FPA is not responsible in any way for any injury, loss or damage which occurs as a result of an opinion expressed or information provided by the planner or as a result of the use of the Ask a Planner service.
A de-identified (name, location and other identifying information changed) version of your answer may appear on this Site as a form of information and education for other consumers. FPA reserves the right to edit the information before publishing and will not answer or publish incomplete questions.
The content on this site is owned by the Financial Planning Association of Australia (FPA). You may link to our content and refer to it (and we like it when you do), however there are rules to apply. Please read the syndication guide below to confirm whether the type of usage you require is allowed. Colloquial handle our syndication requests and they can be contacted at: email@example.com.
As copyright owners, the FPA is able to license non-exclusive copyright on the majority of Money & Life content to other parties. If you are a commercial organisation, or your website is for commercial purposes, a fee may apply should permission be granted.
If you wish to use our content on your website or blog, you may reproduce up to 200 words and then link back to the article on moneyandlife.com.au. No permission is required to do this.
Any website, blog or online entity reproducing more than 200 words of any article, graphic or video, without written permission from either Money & Life, its parent company or authorised syndication agents, is in breach of our copyright. We will take legal action if we find any website, blog or online entity has breached our copyright.
If permission to reproduce more than 200 words of any article has been expressly given in writing, the authorised syndication agent must implement a canonical tag (rel=”canonical”) to the article when publishing to their website. For example:
<link rel=”canonical” href=”http://www.moneyandlife.com.au/articles/6-ways-to-navigate-your-finances-in-your-40s/” />
The canonical tag must be placed within the HTML <head> of the page. See example below:
<link rel=”canonical” href=”http://www.moneyandlife.com.au/articles/6-ways-to-navigate-your-finances-in-your-40s/” />
The above implementation of the canonical tag will indicate to search engines that the article on the Money & Life website is the original source, thus ensuring that this is the article that gets indexed in Google’s search results.
Permission to reproduce Money & Life content online, outside the fair usage policy detailed above, will only be granted in exceptional circumstances.
Email newsletters – if you wish to use a Money & Life article in your email newsletter you may reproduce up to 200 words and then link back to the article on moneyandlife.com.au. Permission will be required to use more than 200 words, as detailed above – if you are a commercial organisation, or your email newsletter is for commercial purposes, a fee may apply should permission be granted.
Money & Life does not hold the copyright to most photographs or images that you see featured on the website or in the email newsletters. Therefore we are unable to distribute them or grant permission for their reuse.
We are able to syndicate our in-house graphics for reuse. If you would like to syndicate a graphic, please contact Colloquial at firstname.lastname@example.org to get a quote and discuss further. Please supply: details of the graphic, the link to the graphic as well as a link to the article it relates to.
You are free to embed a YouTube video on your site. Hosting of Money & Life videos on websites by other means, including usage in any film, video or TV programme, requires permission from either The FPA, our syndication agents, or the rights holder where Money & Life does not own the rights.
For videos The FPA owns the rights to, please contact Colloquial at email@example.com to discuss permission and rates. Editing of videos is not allowed without express permission.
Money & Life does not offer a translation service for any of its articles. Once you have received permission to syndicate an article as detailed in the sections above, if you wish to translate it you do not need our permission to do so, as long as the following statement appears alongside the translation: “(Title of publication) agrees to indemnify the FPA and Money & Life against any claim arising from incorrect or misleading translation”.
If you have details of the article you would like to syndicate, please contact Colloquial at firstname.lastname@example.org to receive a quote. For any other queries not answered above, please contact us here – please ensure you have read the information on this page before contacting us, as due to the volume of emails received, if your query is answered above you will not receive a response.