General Advice Warning

Information published on this website has been prepared for general information purposes only and not as
specific advice to any particular person. Any advice contained in this document is General Advice and does not
take into account any person’s particular investment objectives, financial situation and particular needs.
Before making an investment decision based on this advice you should consider, with or without the assistance
of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial
circumstances. Past performance of financial products is no assurance of future performance.
Product Disclosure Statements contain information necessary for you to make a decision whether or not to
invest in financial products mentioned on this website. You should also obtain and read this document prior to
proceeding with any decision to purchase a financial product.

General Disclosure/Disclaimers

Zalus Private Wealth Pty Ltd ABN 47 625 478 391 is a Corporate Authorised Representative of InterPrac Financial
Planning Pty Ltd ABN 14 076 093 680 AFSL No. 246638
This site is provided by Zalus Private Wealth Pty Ltd on an “as is” basis. Zalus Private Wealth Pty Ltd makes no
representations or warranties of any kind express or implied, as to the operation of the site or the information,
content, materials, or products included on this site.

To the full extent permissible by applicable law, Zalus Private Wealth Pty Ltd disclaims all warranties, express or
implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.
Zalus Private Wealth Pty Ltd will not be liable for any damages of any kind arising from the use of this site,
including, but not limited to direct, indirect, incidental, punitive, and consequential damages.
This site is created and controlled by Zalus Private Wealth Pty Ltd in New South Wales, Australia. As such, the
laws of New South Wales and Australia will govern these disclaimers, and terms and conditions, without giving
effect to any principles of conflicts of laws. We reserve the right to make changes to our site and these
disclaimers, and terms and conditions at any time.

Should you choose to act on any of the information included in the website, you accept all risks and
responsibility for losses, damages, costs and other consequences resulting directly or indirectly from using this
site and any information or material available from or through it to the maximum permitted by law.
Zalus Private Wealth Pty Ltd limits any liability that cannot be excluded to restoring the service, re-supplying the
material or refunding any amount paid to Zalus Private Wealth Pty Ltd for the service or material.
Any products or services provided by Zalus Private Wealth Pty Ltd may be modified over time.

None of the information and data contained in this website nor any opinion expressed constitutes a specific
recommendation to purchase or sell a financial product, or to provide financial product advice.
Zalus Private Wealth Pty Ltd and its associates is not engaged in rendering any legal or professional services by
placing these general informational materials on this website. We are not Licenced tax agents.

Zalus Private Wealth Pty Ltd makes no representations or warranties about the accuracy or completeness of the
information contained on this website. Any links provided to other server sites are offered as a matter of
convenience and in no way are meant to imply that Zalus Private Wealth Pty Ltd endorses, sponsors, promotes
or is affiliated with the owners of or participants in those sites, or endorses any information contained on those
sites, unless expressly stated.

Zalus Private Wealth Pty Ltd does not warrant or represent that the site is error free or free from viruses or
defects. You must do all that is necessary (including using virus checking software) to satisfy yourself that
accessing this website will not adversely affect your computer system(s).

Zalus Private Wealth Pty Ltd is the copyright owner of all text and graphics contained on this website, except as
otherwise indicated. Other parties’ trademarks and service marks that may be referred to herein are the
property of their respective owners. You may print a copy of the information contained herein for your personal
use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the
information on your own server, or link to this website, without prior written permission of Zalus Private Wealth
Pty Ltd.

Permission to use and reproduce documents and related graphics available from this website is granted,
provided that:
1) the below copyright notice appears in all copies and that both the copyright and this permission notice
appear; 2) use and reproduction of documents and related graphics available from this website is limited to
personal, non-commercial use; 3) no documents or related graphics, including logos, available from this website
are modified in any way; and 4) no graphics, including logos, available from this website are used separate from
accompanying text. Use or reproduction for any other purpose is expressly prohibited by law, and may result in
civil and criminal penalties.
Violators will be prosecuted to the maximum extent possible.
If any part of this disclaimer is held to be invalid, unenforceable or illegal for any reason, the remaining parts of
the disclaimer shall nevertheless continue in full force.This site is only relevant to Australian residents.

What to do if I have a Complaint

InterPrac Financial Planning is committed to providing quality financial services in an efficient and honest
manner. We take all complaints seriously, and have developed a formal complaints handling process to deal
with any complaints from our clients. A copy of the “Complaints Handling Policy and
Procedures” is available from your Adviser or InterPrac Financial Planning. If you do have a complaint:

1. Please contact your Adviser directly to discuss the issue and seek a resolution.
If the complaint cannot be resolved by talking to your Adviser, please contact InterPrac Financial Planning
Head Office directly:
The Complaints Officer
InterPrac Financial Planning Pty Ltd
Level 8, 525 Flinders Street
Melbourne Vic 3000
Phone: (03) 9209 9777
We will acknowledge the complaint within two business days.

2. We will then investigate the complaint and respond to you within 45 days. We will notify you if the
complaint is more complex in nature and likely to require an extension to thoroughly investigate the
complaint and resolve it.

3. If InterPrac Financial Planning is not able to resolve your complaint to your satisfaction, you have the right
to lodge a complaint with the Australian Financial Complaints Authority, a dispute resolution service for the
financial planning industry.
Australian Financial Complaints Authority
GPO Box 3, Melbourne VIC 3001
Phone: 1800 931 678
Email: info@afca.org.au
Website: www.afca.org.au

Prior to Australian Financial Complaints Authority InterPrac Financial Planning has been a member of Financial
Ombudsman Service scheme. Any existing unresolved matters under the previous scheme will continue to be
handled under the Financial Ombudsman Service Terms of Reference by Australian Financial Complaints
Authority until they are resolved.
Additionally, ASIC has an information line on 1300 300 630 which you may use to obtain information about your
rights and to make a complaint.