Terms & Conditions
1. General
1.1 These Website Terms and Conditions (Terms) govern access to and use of the Candour Private Wealth website (Website). By accessing, browsing or using the Website, you agree to be bound by these Terms.
1.2 In these Terms, Candour Private Wealth, we, us and our means Candour Private Wealth Pty Ltd, holder of Australian Financial Services Licence No. 544396.
1.3 If you do not agree to these Terms, you must cease using the Website immediately.
2. General information and disclaimers
2.1 The Website is provided for general information purposes only.
2.2 Nothing on the Website constitutes or is intended to constitute financial services advice, financial product advice, personal advice, legal advice, tax advice, accounting advice or any other professional advice.
2.3 The information on the Website is general information only and does not take into account your objectives, financial situation or needs. Before acting on any information, you should consider its appropriateness and obtain independent professional advice.
2.4 Nothing on the Website constitutes an offer, invitation, solicitation or recommendation to apply for, acquire, vary or dispose of any financial product, to engage any adviser, or to enter into any transaction or arrangement.
2.5 Accessing or using the Website does not create any client, advisory or other professional relationship between you and Candour Private Wealth.
2.6 You are solely responsible for evaluating the merits and risks of relying on any information made available through the Website.
2.7 You must not rely on the Website as the basis for any financial, legal, commercial or other decision.
3. Nature of services
3.1 The Website may include information about Candour Private Wealth, its Australian financial services licence, its dealer group services, adviser support services, business operations, people, and contact details.
3.2 Any description of services on the Website is general in nature and may be subject to separate terms, engagement documents, regulatory requirements and eligibility criteria.
3.3 Publication of information about Candour Private Wealth’s dealer group or related services does not mean that any person is eligible to receive those services or that Candour Private Wealth is obliged to provide them to any person.
4. Accuracy and completeness
4.1 Candour Private Wealth uses reasonable care in preparing the content on the Website. However, the Website may include information obtained from third parties or external sources, and that information may not be independently verified by Candour Private Wealth.
4.2 To the maximum extent permitted by law, Candour Private Wealth does not represent or warrant that any information on the Website, including information obtained from third parties, is accurate, complete, current, reliable or suitable for any purpose.
4.3 Candour Private Wealth does not accept responsibility for any statement, representation, document or other material made available by any third party.
4.4 Information on the Website is subject to change without notice. Candour Private Wealth reserves the right to review, change, update or remove any information on the Website at its sole discretion and at any time.
4.5 Candour Private Wealth is under no obligation to update or correct any information on the Website, except as required by law.
5. Copyright and intellectual property
5.1 Unless otherwise indicated, Candour Private Wealth owns the copyright in the Website and its content, including text, graphics, images, video, logos, documents, design, layout and downloadable material.
5.2 You may access, view and download information from the Website only for lawful and non-commercial use in accordance with these Terms, provided you do not remove or modify any content, copyright or proprietary notices.
5.3 Except as permitted by law or with Candour Private Wealth’s prior written consent, you must not reproduce, modify, upload, transmit, distribute, publish, frame, mirror or otherwise exploit any part of the Website or its content.
6. Third-party links
6.1 The Website may contain links to third-party websites, documents or content for convenience only.
6.2 Candour Private Wealth does not control, endorse or approve any third-party website, document, product, service or content merely because it is linked from the Website.
6.3 Candour Private Wealth is not responsible for the availability, accuracy, content, security or privacy practices of any third-party site or material.
7. Privacy
7.1 Candour Private Wealth may collect personal information and website usage information through the Website, including information submitted by you, device and browser information, IP address, pages visited and analytics information.
7.2 Candour Private Wealth handles personal information in accordance with applicable privacy laws, including the Privacy Act 1988 (Cth), and its Privacy Policy as updated from time to time.
7.3 By using the Website or submitting information through it, you acknowledge that your personal information may be collected, held, used and disclosed for purposes connected with operating the Website, responding to enquiries, compliance, due diligence, service delivery, relationship management, direct marketing where permitted by law, and other purposes described in the Privacy Policy.
7.4 Candour Private Wealth may disclose personal information to related entities, service providers, contractors, professional advisers and regulators where reasonably necessary for its business activities or as required by law.
8. Electronic communications
8.1 Where Candour Private Wealth sends commercial electronic messages, it intends to do so in accordance with applicable law, including the Spam Act 2003 (Cth). You may unsubscribe from marketing communications using the unsubscribe facility provided, but Candour Private Wealth may still send non-marketing messages required for legal, compliance or operational purposes.
8.2 To the extent permitted by law, you consent to receiving notices and other communications electronically, including by publication on the Website or by email to an address you provide.
9. Cookies and website analytics
9.1 The Website may use cookies, analytics tools and similar technologies to operate the Website, improve user experience, understand traffic and support security and administration functions.
9.2 You can usually manage cookies through your browser settings, although disabling cookies may affect the performance or availability of parts of the Website.
10. Limitation and exclusion of liability
10.1 Nothing in these Terms excludes, restricts or modifies any rights or remedies that cannot be excluded under applicable law, including the Australian Consumer Law.
10.2 Subject to clause 10.1 and to the maximum extent permitted by law, Candour Private Wealth excludes all liability for any loss, damage, cost or expense, whether direct, indirect, incidental, special or consequential, arising out of or in connection with: (a) access to, use of, or inability to use, the Website; (b) reliance on any information on the Website; (c) any error, omission or misstatement; (d) any interruption, delay, defect, virus or malicious code; or (e) any third-party content or linked site.
10.3 Where liability cannot be excluded but can be limited, Candour Private Wealth’s liability is limited to the maximum extent permitted by law and, where applicable, to resupplying the relevant services or information or paying the cost of having them resupplied.
11. Indemnity
11.1 You indemnify Candour Private Wealth, its officers, employees and agents against any loss, claim, damage, liability or expense arising from your breach of these Terms, your misuse of the Website, or your violation of any law or the rights of any person, except to the extent caused by Candour Private Wealth’s fraud, wilful misconduct or liability which cannot be excluded by law.
12. Changes to the Terms
12.1 Candour Private Wealth may amend these Terms at any time by publishing an updated version on the Website.
12.2 The updated Terms take effect when published, unless a later date is specified.
12.3 Candour Private Wealth may change, suspend, withdraw or discontinue any part of the Website at any time without notice.