1. In this disclaimer:

"RIAA" means Risk and Investment Advisors Australia, and its related entities, agents and representatives.

"Website" means the Adviser Resource Centre (ARC) web address and its contents which is owned by RIAA.

2. It is a condition of use of this website that users of the website agree to the following terms and conditions:

(a) While all reasonable attempts have been made to ensure the accuracy, currency and reliability of the content in this site, all information in this website is provided "as is".

(b) There is no guarantee as to the completeness, accuracy, timeliness of the results obtained from the use of the information in this website. No warranty of any kind is given, express or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose.

(c) RIAA does not accept any responsibility or liability for any loss, damage, cost or expenses you might incur as a result of the use of, or reliance upon the materials which appear at this website or any linked sites.

(d) You should be aware that the providers of linked sites will often have their own protocols and standards in relation to their sites and the information which appears on them. We urge you to familiarise yourself with such protocols and standards. RIAA is not endorsing any provider of products or services by facilitating access to these sites from its web pages, nor does it accept responsibility for the quality of goods and services provided by third parties accessed through this website.

(e) To the maximum extent permitted by law, RIAA disclaim any liability to you or anyone else for any decision made or action taken in reliance on the information in this website or for any consequential, special or similar damages, even if advised of the possibility of such damages.

(f) Information obtained from this website should not be used as a substitute for consultation with competent professional advisers. Before making any decision or taking any action, you should consult professional advisers with expertise in your area of interest.

(g) RIAA can modify the terms and conditions contained in this website disclaimer at any time and you agree to continue to be bound by these. We will give you notice of changes by publishing revised terms and conditions in this website - we will not separately notify you of these changes.