This policy tells you about how we use and protect your personal information.

We don't sell or rent your personal information to third parties for their marketing purposes without your explicit consent. We may combine your information with information we collect from other companies (such as demographic data) to improve and personalize our services.

We use "cookies" (small files placed on your hard drive) on certain pages of the Site to help analyze our web page flow, customize our services, measure promotional effectiveness, and promote trust and safety. For more information about why we use cookies, see Cookies, Web Beacons, and Your Privacy.

A few important things you should know about cookies are that:

  • We offer certain features that are only available through the use of cookies.
  • We use cookies to help identify you and maintain your signed-in status.
  • Most cookies are "session cookies," meaning that they are automatically deleted from your hard drive at the end of a session.
  • You are always free to decline our cookies if your browser permits, although doing so may interfere with your use of the Site.
  • You may encounter cookies from third parties on certain pages of the Site that we do not control. (For example, if you view a web page created by another user, there may be a "cookie" placed by that web page.)
General

Access and subscription to this newsletter is conditional upon acceptance and compliance with the terms and conditions, notices and disclaimers contained in this document and elsewhere (known collectively as "Terms of Use"). We reserve the right to amend the Terms of Use at any time. Users should Periodically refer to the Terms of Use.

Calculations

Information resulting from calculations should not be relied upon as a true representation. The calculations provided are indicative only and are not a substitute for professional advice from a qualified financial adviser. The authors and/or their licensee accepts no liability, direct or indirect, arising from any person relying, either wholly or partly, upon any information shown in, or omitted from, the calculations. When using information contained in this newsletter for any financial purpose, users should consult a qualified professional to verify accuracy. All calculations provided should be used as a guide only.

Copyright

No part of this newsletter may be reproduced, copied, stored in a retrieval system or transmitted in any form without the prior permission of the authors and/or their licensee.

Reproduction or redistribution for commercial purposes of any materials or design elements contained within is strictly prohibited without the express written permission of authors and/or their licensee. The content, design and software is protected by Australian and international copyright and trademark laws. All logos and other identifying marks are and shall remain the trade-marks and trade names and exclusive property of authors and/or their licensee and any unauthorized use of these marks is unlawful. Other trade-marks are the property of their respective owners. All content, including without limitation all articles, programs, complied binaries, interface layout, interface text, documentation and graphics, is copyright property and is protected by international copyright law. The content may only be used as provided for in these Terms of Use, but may not be taken out of context or presented in a misleading or discriminatory manner. Any rights not expressly granted are reserved by the authors and/or their licensee.

Disclaimer

We make no representation and give no warranty as to the accuracy of the preceding information and do not accept any responsibility for any errors or inaccuracies in, or omissions from, the information contained herein (whether negligent or otherwise) and we shall not be liable for any loss or damage howsoever arising as a result of any person acting or refraining from acting in reliance on any information contained herein.

No reader shall rely solely on the information contained in this document as it does not purport to be comprehensive or to render specific advice. This disclaimer does not purport to exclude any warranties implied by law which may not be lawfully excluded. This e-mail (which includes any attachments) is only for the use of the intended recipient/s and is confidential and/or privileged. The sender shall not be liable for any errors, omissions, viruses, loss and/or damage arising from using, opening or transmitting this e-mail. If you are not the/an intended recipient, you must not retain, distribute or copy this e-mail and should notify the sender immediately by return e-mail.

Disclosure

The authors and/or their licensee and associated businesses advise readers of this newsletter should be aware that property values are cyclical and therefore may rise and/or fall depending upon market and economic conditions. All investment involves risk particularly where borrowed funds are utilised and should be assessed with regard to the level of borrowings and individual financial circumstances.

Jurisdiction

These terms of use will be governed by and construed in accordance with the laws of New South Wales, Australia. Users irrevocably and unconditionally submit to the jurisdiction of the courts of New South Wales. If any provision of this agreement is found to be invalid or unenforceable by a court of law, such invalidity or unenforceability will not affect the remainder of the agreement, which will continue in full force and effect. All rights not expressly granted herein are reserved.

Links to Third Party Sites

This newsletter may contain links to third party web sites. The linked sites are not under the control of authors and/or their licensee and authors and/or their licensee are not responsible for the contents of any linked site or any link contained in a linked site. The authors and/or their licensee are providing these links only as a convenience and the inclusion of a link does not imply endorsement of the linked site by the authors and/or their licensee.