You can print a hard copy of material in this site for your personal use only, except for material where this is specifically prohibited by a notice to that effect. 

Unless otherwise specified, copyright of information provided in this website is owned by CLU Financial Pty Ltd.  You may not alter or modify this information in any way, including the removal of this copyright notice. 

The information in this site is prepared for residents of Australia only. Any currency references are references to Australian dollars unless stated otherwise.

You should obtain professional financial advice that considers your particular financial situation, needs and objectives before acting on any information contained in this site, or any site you access through this site.

You consent to CLU Financial Pty Ltd monitoring your use of this site.