This website is owned and operated by National Australia Bank Limited ABN 12 004 044 937, AFSL 230686 (‘NAB’) on behalf of related bodies corporate of NAB managed by a business division known as MLC Asset Management. These entities include Antares Capital Partners Ltd ABN 85 066 081 114, AFSL 234483, MLC Investments Limited ABN 30 002 641 661 AFSL 230705 and MLC Asset Management Pty Limited ABN 44 106 427 472, AFSL 308953 and together with NAB are referred to in this website as ‘we’ or ‘us’.
An investment with us is not a deposit with or liability of, and is not guaranteed by, NAB or any related body corporate, and is subject to investment risk including possible delays in repayment and loss of income and capital invested.
General advice and information only
This website contains factual information and may also contain professional opinions which are given in good faith and based on information and assumptions believed to be reliable as at the date of publication. Any advice on this website is of a general nature only, and has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, you should consider whether it is appropriate in light of your own objectives, needs, financial situation.
Currency and accuracy of information
While we have taken all reasonable care in producing the information on this website, changes in circumstances may occur at any time and may impact the currency and accuracy of the information. The information on this website is general information and should not be considered as a comprehensive statement on any matter and should not be relied upon as such.
Neither NAB, any related body corporate or their directors, officers, employees, representatives and consultants give any warranty, make any representation as to, or accept responsibility for, the accuracy, reliability, timeliness or completeness of the information on this website or that your access to this website will be uninterrupted, error-free and free from viruses. While the information provided on this website is believed to be accurate, except in so far as liability under any statute cannot be excluded, neither NAB, any related body corporate or their directors, officers, employees, representatives and consultants accept any liability (whether arising in contract, tort, negligence or otherwise) for any error or omission in the material or for any loss or damage (whether direct, indirect, consequential or otherwise) suffered by the recipient of the information or any other person.
Third party information
We may from time to time publish information, articles and other material on this website that are written and prepared by third parties. Such material is provided for your interest and convenience only. The source of any such material will be clearly identified as an independent third party and we do not accept any responsibility for and disclaim all liability for the contents or accuracy of any such material, and the opinions expressed in the material should not be taken as our opinions or recommendations.
All investments come with some risk. Some investments will have more risk than others as it depends on the investment’s strategy and assets. The level of risk you’re prepared to accept will be determined by you in light of your objectives, financial situation and needs.
Past performance is not a reliable indicator of future performance. No representation is being made that any investment will or is likely to achieve profits or losses similar to those achieved in the past, or that significant losses will be avoided. Additionally, this website may contain forward looking statements. Whilst reasonably formed, actual events or results or actual performance may differ materially from those reflected or contemplated in such forward looking statements.
Any tax related information contained on this website does not constitute advice. As taxation legislation is complex, we recommend you seek expert advice in relation to your personal circumstances.
Any prices or values herein are as of the date indicated, and no representation whatsoever is made that any transaction can be effected at such prices or values or that any prices or values may be provided at a later date. The value and income of any of the securities or financial instruments mentioned on this websitemay fall as well as rise and an investor may get back less than invested. Foreign-currency denominated securities and financial instruments are subject to fluctuation in exchange rates that could have a positive or adverse effect on the value, price or income of such securities and financial instruments.
Australian investors only
Any financial product advice contained in this site is intended for Australian residents only and not for residents of any other jurisdiction.
Nothing on this website constitutes a representation that any investment strategy or financial product referred to herein is suitable or appropriate to your individual circumstances or otherwise constitutes a personal recommendation and it does not take into account your specific objectives, financial situation, needs, circumstances or tax position. This website does not contain and should not be relied upon as containing investment recommendations or advice in relation to acquiring, holding or disposing of any financial product and does not constitute an offer or an invitation to deal in, or a recommendation to acquire or sell any product or subscribe to any service. If, despite the foregoing, any services or products referred to are deemed to be offered in the jurisdiction in which this website is accessed or received, no such service or product is intended for nor available to persons resident in that jurisdiction if it would be contradictory to local law or regulation. Such local laws, regulations and other limitations always apply with non-exclusive jurisdiction of local courts.
We may disclose your personal information to third parties that help us deliver our services (including information technology suppliers, communication suppliers and our business partners such as investment managers) or as authorised by law, who may store such information overseas in the USA. If you do not provide us with this information, we may not be able to respond to your requests.
Emails from us linked to the Terms and Conditions
Private and confidential emails and any files transmitted with them are intended solely for the use of the addressee(s) and may contain information which is confidential. If you receive an email from us and you are not the addressee (or responsible for delivery of the email to the addressee), please disregard the contents of the email, delete the email and notify the sender immediately.
Links to other WEBsites
Links to other websites are provided for your convenience only. Any such links don’t constitute or imply endorsement or recommendations of any other company, product or service or any affiliation between us and any other organisation.
Copyright, trademarks and intellectual property rights
Unless expressly stated, we are the owner, licensed or authorised user of the copyright and any intellectual property rights in any material, design, technology or concept contained on this website. All rights are reserved. You may use the information for your own personal reference only. You may reproduce the information in hard copy solely for your personal use. Except as permitted under the Copyright Act 1968 (Cth) or other applicable laws, this website or any portion of this website may not otherwise be reproduced, adapted, distributed, displayed, or transmitted to any other person or incorporated in any way into another document or other material, without our express consent.
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These Terms and Conditions are governed by and are to be construed in accordance with the laws of New South Wales, Australia. You agree to the non-exclusive jurisdiction of the courts of New South Wales, Australia and any courts which may hear appeals from those courts in respect of any proceedings in connection with the Terms and Conditions or this website.
Terms and termination
NAB anticipates that this website will be enhanced on an ongoing basis and therefore the Terms and Conditions on this website may be updated as required. You should check the website regularly for changes to the terms. You acknowledge that by doing this NAB has provided you with sufficient notice of any changes. NAB may terminate your use of this website without notice.