The Total Wealth Management – www.totalwealth.com.au website (“website”) is owned and operated by Capital Advisers Pty Ltd t/as Total Wealth Management having its registered office at 11 Lawrence Street, North Ipswich, QLD, 4305.
By using and accessing this website or any of its pages, you agree to be legally bound by these Terms of Use (including the Privacy Policy) detailed below. These terms are governed by Australian law and Australian courts have exclusive jurisdiction for any disputes arising from your use of this website.
We may change the content or services on the website without notice including the Terms of Use and the Privacy Policy. Your continued access to, or use of, the website means that you agree to and accept the changes we make. We recommend that you periodically review these Terms of Use and Privacy Policy for changes.
The information provided on this website is prepared for residents of Australia only and should not be relied upon by residents of any other jurisdiction.

Total Wealth Management believes that the information and material provided on this website is correct at the time of compilation but does not warrant the accuracy or currency of that information and material. You should carefully check the date of compilation of the information and material (where relevant) to determine its currency.
Save for statutory liability which cannot be excluded, Total Wealth Management disclaims all responsibility for any loss or damage which any person may suffer from reliance on the information and material on this website or any opinion, conclusion or recommendation in the information and material whether the loss or damage is caused by any fault or negligence on the part of Total Wealth Management or otherwise.

The information and opinions contained on the website are provided without any warranty of any kind, either expressed or implied, to the fullest extent permissible pursuant to applicable law. Subject to any rights you may have under the Australian Consumer Law or other applicable consumer protection laws which cannot be excluded, Total Wealth Management:

• Makes no warranties that functions contained on the website will be uninterrupted or error-free, that defects will be corrected, or that the website or the servers that make it available will be free of viruses or other harmful components
• Excludes all warranties and conditions whether express or implied
• Limits liability to the extent permitted by law

Total Wealth Management is committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. Our Privacy Policy, available on this website, explains how we collect, use and disclose your personal information.

Copyright in all the material, works, software, design, text, graphics and code contained on or used to produce the website and in the information and material and in its arrangement or layout, is owned or licensed by Total Wealth Management  unless otherwise indicated.
Other than as permitted below, your use of anything in which Total Wealth Management owns copyright is governed by the copyright laws of Australia and its international treaties with other countries. The material is freely accessible for browsing purposes only. You may not copy, publish, distribute, create works from or commercially exploit the content of this website for any other purpose without our express written consent.

Total Wealth Management will not be liable for any loss or damage from any cause to your system or website, or to people linking to this material from your website, caused by or in connection with the use or link to this material. Any such loss or damage will be your responsibility. We advise you to take your own precautions in relation to protecting your system or website from malfunction or viruses.

When you use a link to go from our website to another site, none of these links comprise or imply support or recommendation of any other company, product or service by us. We do not control and are not responsible for the information on any other site found through our website. Linking to and framing of this website is not permitted without our express written consent.