This website is operated by Carra Wealth Management Pty Ltd, ABN 34 214 135 028. We are an authorised

representative of Consultum Financial Advisers Pty Ltd an Australian Financial Services Licensee. These are the terms

and conditions for use of this site and access to the information contained on this site. By using this site, you agree to

these terms and conditions.

We and our authorising licensee and other members of the IOOF Group of companies:

(a) do not give any warranty or make any representation as to the accuracy, reliability, completeness or security of the

information contained on this site and as to changes in circumstances after the date of publication that may impact on the

accuracy of the information;

(b) may change and update the information from time to time;

(c) make no representation in relation to, and are not responsible in any way, for the content of any other site you access

via this site; and

(d) own the copyright in the information on this site.

2. Users must not use or reproduce any of the trademarks or other intellectual property appearing on this site.

3. Users of this site must not:

(a) do anything to alter or modify the information on this site;

(b) use the material on this site for any purpose other than as a source of information for personal use unless authorised to

the contrary;

(c) distribute, copy or otherwise reproduce in any way any of the material available from this site unless it is expressly

authorised;

(d) post any material which is defamatory, in breach of copyright, in breach of the Competition and Consumer Act 2010 or

otherwise in any way unlawful or inappropriate.

4. Users can print a hard copy of material on this site for their personal use only other than material where this is

prohibited by a notice to that effect on this site.

5. The information contained on this site is made available to residents of Australia and its territories and is not intended to

be a recommendation, offer or invitation to take up securities or to make a decision in respect of any financial product or

any other matter.

6. We, our authorising licensee and other members of the IOOF Group are not liable in any way to any person for any

loss, damage, cost or expense incurred as a result of the material contained on this site or from unauthorised access to, or

any misuse of this site including, without limitation, any negligence by us.

7. All references on this site to "$" or "dollars" are references to Australian currency unless otherwise stated.

8. Users of this site agree to indemnify us and other members of the IOOF Group from all liability, cost and expense,

(including legal fees) arising directly or indirectly from the use or distribution by any person of material placed on the site

by the user or from the alteration, modification of or addition to material on the site by the user.