Section 851 of the Corporations Law requires advisers to obtain information from the clients before making a recommendation. This website does not take into account each person’s individual circumstances. Reliance is not to be placed upon the recommendations in this website without reference to your adviser. Any representation’s or statement or otherwise implied in this website made by or for Findex Group Limited, 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 representation or statements whether by reason or negligence, lack of care, or in any other manner except in any case where liability cannot be excluded pursuant to any law.