Terms and Conditions of Website Access

These terms and conditions apply to users of this website (‘Site’). By using this Site, you accept and agree to these terms. Financial Synergy Holdings Pty Ltd (ACN 126 127 197) and its controlled entities (‘Financial Synergy Group’) reserves the right to change these terms at any time. Please check these terms at regular intervals for any changes. Your continued use of the Site following any change to these terms will be deemed acceptance of those changes.

Use of the Site

By using this Site, you are agreeing to Financial Synergy Group’s Privacy Policy
You must not distribute through the Site any inappropriate communication in any form. Inappropriate communications include obscene, harassing, pornographic, abusive, slanderous, racist, defamatory, vulgar, threatening or offensive material.

By emailing materials to Financial Synergy Group, you grant Financial Synergy Group a non-exclusive, royalty free, perpetual licence to use, modify, reproduce, distribute or otherwise deal with those materials in any manner which Financial Synergy Group deems appropriate. In addition, you agree to waive all ‘moral rights’ (as defined in the Copyright Act) in those materials.

You must not collect email addresses listed on this Site for any purposes connected with the production of marketing or email databases.

Restriction on Use

This Site is provided for your personal, non-commercial use only. You must not use the Site for any commercial purposes. You must not transmit or attempt to transmit any data, code or other material of any kind to this Site that contains a virus or other harmful component.

Ownership of materials on the Site

Unless otherwise indicated, Financial Synergy Group owns, or is licensed to use, all intellectual property (including without limitation copyright, trade mark and designs) subsisting in the materials on the Site. Financial Synergy Group authorises you to reproduce and download the materials exclusively for non-commercial personal use in the intended manner. You may not copy, reuse, reproduce, republish, frame, post, upload, distribute, transmit, adapt, broadcast, or modify in anyway all or any part of the material contained on this Site without Financial Synergy Group’s prior written permission unless expressly permitted by law.

All names, logos and trade marks use on this Site are the property of their respective owners. Nothing on the Site should be interpreted as granting any rights to use or distribute any names, logos or trademarks, without the express written agreement of Financial Synergy Group or the relevant owners. Nothing displayed on the Site should be construed as granting any licence or rights to use any name, logo or trademark without the express written permission of Financial Synergy Group or the relevant owners.

Information and services at the Site

Financial Synergy Group updates the Site from time to time, however Financial Synergy Group makes no representation as to the accuracy, currency or completeness of any information or services at the Site. All information and services are provided on the basis that you undertake the responsibility for assessing their accuracy and that you rely on them entirely at your own risk.

All information and services at the Site are provided on an ‘as is’ basis.

This material on the Site is intended to provide information and not advice. It should not be relied upon as advice or take the place of professional advice. The Site contains generic content and has been prepared without taking into account individual objectives or financial situations.

To the fullest extent permitted by the applicable law, Financial Synergy Group excludes all terms, conditions and representations, express or implied. Any liability of Financial Synergy Group under these terms and conditions, under any other provisions that by law cannot be excluded or that are not otherwise excluded under this clause is, where permitted by law, limited at the option of Financial Synergy Group to the resupply of the relevant information or services. In no event will Financial Synergy Group be liable for any consequential or indirect loss, and in any event any loss of profits or data, incurred by you in relation to use of the Site.

Access to the Site

Financial Synergy Group does not warrant that access to the Site will be uninterrupted, or that the services offered on the Site will be error-free. Financial Synergy Group reserves the right at any time to change or discontinue any feature on this Site, hours of availability and equipment or software required for access.

Links to other Sites

Where the Site contains any hyperlinks to any other websites (‘External Sites’), Financial Synergy Group is not responsible for the accuracy, legality or decency of material or copyright compliance of any such External Sites. All hyperlinks are provided for convenience and information purposes only, and Financial Synergy Group does not approve, sponsor or endorse any of the External Sites.


These terms and conditions will be construed according to and are governed by the laws of Victoria, Australia. You submit to the exclusive jurisdiction of the courts in and of Victoria in relation to any dispute arising under these terms and conditions.