Legal disclaimer

IOOF Investment Management Limited (IIML) ABN 53 006 695 021, AFSL 230524 is the Trustee of the IOOF Portfolio Service Superannuation Fund ABN 70 815 369 818 and IOOF Investment Services Ltd (IISL) ABN 80 007 350 405, AFSL 230703 is the Service Operator of each Investor Directed Portfolio Service. IIML and IISL are each responsible for the information on this website relating to financial products issued by them respectively.

IOOF Ltd (ABN 21 087 649 625) AFS Licence 230522 and IOOF Life Ltd (ABN 86 006 718 707) AFS Licence 230521 are each responsible for the information on this website relating to financial products issued by each of them respectively.

IIML, IISL, IOOF Ltd and IOOF Life Ltd are subsidiaries of IOOF Holdings Ltd ABN 49 100 103 722 and are members of the IOOF group (comprising IOOF Holdings Ltd and its subsidiaries). On this Website references to IOOF means the relevant IOOF group entity responsible for issuing the particular financial product to which the information relates. Where such information does not relate to any particular financial product, references to IOOF means the IOOF group.

The IOOF website is owned and operated by the IOOF group. The registered office of IOOF Holdings Ltd is Level 6, 161 Collins St., Melbourne, Vic., 3000

General Advice Warning

The information on this website is general information only. Accordingly, this information does not take into account your investment objectives, financial situation and particular needs. Before making any investment decision based on this information, you should consider talking to a financial adviser, and assess whether the information is appropriate to your particular investment needs, objectives and financial circumstances. A Product Disclosure Statement (PDS) on any financial product mentioned in this information should also be obtained and you should consider the PDS in deciding whether to acquire, or to continue to hold, any investment.

Taxation, legal and other matters referred to on this website are of a general nature only and are based on IOOF's interpretation of existing laws and should not be relied upon in place of appropriate professional advice. Those laws may change from time to time.

Accuracy & Reliability of Information

While the IOOF group has taken all reasonable care in producing the information on this website, the IOOF group makes no representations in respect of, and, to the extent permitted by law, excludes all warranties in relation to, the accuracy or completeness of the information. The IOOF group, its officers, employees, directors and contractors exclude all liability whatsoever for any loss or damage, howsoever arising out of reliance, in whole or in part, on the information.

Australian Residents Only

The investment products described in this website are available to Australian residents only. All references to dollars are to Australian dollars.

Applications to Invest

Details about the investment products offered by the IOOF group are set out in their current PDS or offer document.

Applications can only be made on an approved application form. IOOF will accept:

• an application form obtained from the current PDS or offer document of the relevant IOOF product; or
• an online application form - called an e-Form - available from this web site (once you have completed the e-Form online, you will need to print, sign and return it to us).

A copy of the current PDS or offer document can be obtained free of charge by calling the IOOF Investor Line on 1800 002 217 or can be downloaded from this web site.

No Guarantee of Performance

No company within the IOOF group guarantees the performance of any investment product and is subject to investment risk including possible delays in repayment and loss of income and capital invested. The return of capital or income of the funds is not guaranteed unless otherwise specified in the current offer document. The future value of investments may rise and fall with changes in the market. An investment with the IOOF group does not represent an investment with, or liability of the IOOF group.

Past performance is not indicative of future performance.

Copyright

The IOOF group owns copyright in the information contained in this website. Information may be printed or downloaded for personal use only. The information may not otherwise be reproduced and must not be distributed or transmitted to any other person or used in any way without the express approval of the IOOF group.

Links to Other Sites

We are not responsible for the content of any site owned by a third party that may be linked to the IOOF website, whether such a link is provided by us or by a third party. These links are provided as a courtesy service and no judgement or warranty is made by us concerning the suitability, accuracy or timeliness of the content of any site that may be linked to the IOOF website. By providing access to other websites, we are not recommending or endorsing any brand, products or services offered by the organisation sponsoring or owning the linked website.

Privacy Policy

The IOOF group Privacy Policy is also available on this website.

Changes

The IOOF group may vary this disclaimer at any time. Your continued use of the website constitutes your acceptance of the disclaimer as amended.

Governing Law

The use of this website and the provision of such facilities, products and services will be governed by the laws of Victoria.

Tech Connect

This information has been prepared by IOOF Investment Management Limited (IIML) ABN 53 006 695 021, AFSL 230524 as Trustee of the IOOF Portfolio Service Superannuation Fund ABN 70 815 369 818 and IOOF Investment Services Ltd (IISL) ABN 80 007 350 405, AFSL 230703 as Service Operator of each Investor Directed Portfolio Service.

IIML, IISL, its officers, employees, directors and agents believe that the information in this presentation is correct at the time of compilation, but no warranty of accuracy or reliability is given and no responsibility arising in any other way for errors or omissions (including responsibility to any person by reason of negligence) is accepted by IIML, IISL, its officers, employees, directors or agents.

IIML and IISL are members of the IOOF group. IIML and IISL are the issuers of many financial products. IISL is also the Responsible Entity of certain managed investments, and the Service Operator of a range of Investor Directed Portfolio Services. IOOF Limited (ABN 21 087 649 625), another company in the IOOF group is the issuer of other IOOF group products.

Where you proceed with an investment in an IOOF product, IOOF may receive remuneration via fees for that product. If you seek personal financial advice from a financial adviser, they may receive remuneration via commission payments from IIML and/or IISL. Details of remuneration will be detailed within a Statement of Advice where personal advice is provided, or can be provided upon request.