GIS Concepts website ("the Website"). This Website is owned and operated by Group Insurance & Superannuation Concepts Pty Ltd ABN 97 496 556 262, AFS Licence No. 245521 ("GIS Concepts"). Your access to the Website is subject to these terms of use, the GIS Concepts Privacy Policy, and disclaimers of specific parts of the Website ("Terms of Use").

Location of Server

The Website is hosted from a server located in the State of Victoria, Australia. All data stored on the Website is stored in Victoria, Australia.

Accuracy of Information

The information on the Website is provided to you "as is" by GIS Concepts in good faith and has been derived from sources believed by GIS Concepts to be reliable and accurate at the time of providing it. GIS Concepts does not guarantee the accuracy of information on the Website.

Disclaimer

To the extent permitted by law, GIS Concepts and any of their subsidaries or respective officers exclude all liability for any loss or damage (including indirect, special or consequential loss or damage) arising from the use of, or reliance on, any information on the Website whether or not caused by any negligent act or omission. If any law prohibits the exclusion of such liability, GIS Concepts hereby limits its liability, to the extent permitted by law, to the resupply of the said information.

Not a recommendation, offer or invitation to invest

The information on the Website is not intended to be a recommendation, offer, or invitation to take up securities or other financial products by any company or person. This information is general advice only and does not take into account your or any particular investor's particular circumstances. You should always consult your Adviser for advice that addresses your specific needs and situation before making investment decisions.

The information contained in this Website relates only to Australia and not to any other country. Any references to dollars are references to Australian dollars, unless otherwise specified.

Links to other sites

GIS Concepts has not reviewed any of the websites which link to this Website or to which this Website links. GIS Concepts is not responsible for the content of any other websites or pages linked to or linking to this Website. GIS Concepts does not endorse or otherwise sponsor such links and is not endorsed by or sponsored by any linked body. Such links are provided solely for your convenience and information. Following links to any other websites or pages shall be at your own risk and you will be subject to their terms of use.

Linking Policy

You may only provide a link to this Website from a website provided that you link to the home page (http://www.gisconcepts.com.au or http://gisconcepts.com.au), and use as the linking text "Count". To link in any other way, you must first obtain permission.

Copyright

© 2004 Group Insurance & Superannuation Concepts Pty Ltd ABN 97 496 556 262 and contributors. The material on this Website is protected by Australian Copyright Legislation and in copyright legislation in other countries.

You may view this Website and its contents using a web browser. You may make copies of portions of this Website solely for your own information, research or study provided that you do not modify the copy from how it appears on the Website.

Save for the foregoing, you must not reproduce, frame (by whatever means), link to or otherwise use any of the material on the site without first obtaining the written permission from GIS Concepts, or unless specifically permitted by the Copyright Act 1968 (Cth) or similar copyright legislation.

Privacy Policy

To view our privacy policy click here.

GIS Concepts
Level 6, 369 Royal Parade Parkville Victoria 3052, Australia.

Your use of the Website constitutes your agreement to the Terms of Use. You can review the Terms of Use by following links labelled "Terms of use" at various points within the Website.

© Copyright 2004 GIS Concepts, ABN 97 496 556 262 AFS Licence No. 245521. All Rights Reserved.