Section 851 of the Corporations Law requires Financial Advisers to obtain information from clients before making a recommendation. This email can only make general recommendations and cannot take into account each person’s individual circumstances. Reliance is not to be placed upon recommendations in this email without reference to your Adviser. Any representations or statement or otherwise implied in this email made by or for Financial Index Australia, and/or its associated companies whether by way of opinion or advice or otherwise is made in good faith, but on the basis that the company shall not be liable to any person in respect of any such representations or statements whether by reason of negligence, lack of care, or in any other manner except in any case where liability cannot be excluded pursuant to any law.