We hope you enjoy accessing this website which is provided for information purposes only.. When you access this website, you do not establish a client/advisory relationship. Nothing in this website shall be construed, implicitly or explicitly, as containing any financial or securities advice or recommendations. This website and its use by you does not substitute for your own independent due diligence and/or advice from a finance professional.

There is a need today to legally disclaim reliance on content or any other matter with regard to this website. Your access to this website is governed by this disclaimer and by using this site, you acknowledge that you have read this disclaimer and that you accept and will be bound by the its terms and conditions. If you are dissatisfied with these terms and conditions, your sole and exclusive remedy is to discontinue to use this website. As a condition of using this site, you will indemnify IAF and its directors, employees, agents, and representatives against any and all claims, actions, losses, damages (consequential or otherwise), torts, liabilities, and expenses arising out of your use of this website, including (without limitation) any claims that if true would be a breach by you of these terms, conditions, and disclaimers.

The information provided on this website is on an as-is, where-is, as-available basis. Although believed to be accurate and up-to-date, it carries no representation or warranty, express or implied, as to its accuracy, completeness, suitability, or applicability. IAF will amend and edit this information from time to time but does not covenant to keep it updated.

IAF reserves the right to alter, limit, or discontinue this website in its sole discretion. In so doing, it has no obligation to take the needs of any user into consideration for such action. This extends to IAF's discretion to deny any user access to any or all of this website without notice.

Copyrighted information is labelled throughout this website and IAF (or the nominated copyright holder) reserves all rights including electronic rights to such information. You may download information for your personal, non-commercial use, without any right to resell, redistribute, or create derivative works therefrom by any manner or means, without the prior written consent from IAF.  If you elect to use this information or other advice, brochures, opinions, and statements from other parties on or links from this website, you specifically acknowledge and agree that IAF is not liable for your conduct or usage of such information.

This site may contain links to third-party websites. These links are for your convenience, but obviously IAF does not control the form or content of such websites and their inclusion/linkage does not carry any representation, warranty, or endorsement.

All responsibility and liability for any damages caused by computer malfunctions or viruses within any electronic files are specifically disclaimed.

This Disclaimer is governed by New South Wales law without regard to conflict of law principles. If any part of this agreement is found to be invalid, the rest of the agreement stands unaffected.