By using the Website, you agree to be bound by these Terms of Use which form a legally binding agreement between you and Millennium3 Financial Services Pty Ltd (Millennium3). If you do not want to be bound by these Terms of Use, do not continue to use this Website.

Further, we may amend these Terms of Use at any time. Your continued use of the Website is considered to be acceptance of the amended Terms of Use.

The information/advice provided in this website is General Advice Only. It has been prepared without taking into account any of your individual objectives, financial situation or needs. Before acting on this advice you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. You should obtain a Product Disclosure Statement relating to the products mentioned, and consider the statements before making any decision about whether to acquire products.

The material on this Website, including all information such as text, graphics, images, photographs and sound, is protected by copyright pursuant to the Copyright Act 1968 (Cth), as amended from time to time and the laws of other countries. You must not alter, reproduce, store in retrieval system or transmit the material on this Website or any part thereof, unless authorised by Millennium3 in writing or permitted by the Copyright Act 1968 (Cth).

All trademarks that are included on this Website are the property of their respective owners and are protected by relevant laws in Australia and other countries. You must not use any of these trademarks (including the reproduction, modification, distribution, repudiation, display or communication of these trademarks) except by saving or printing out a copy of this Website for personal non-commercial use, unless expressly authorised by Millennium3 or the owner of the relevant trademark in writing.

Unless otherwise indicated, Millennium3 owns the copyright in the content on this website. You may only access and use the content for non-commercial or personal use unless you have prior written approval from us. You may print out any content on this website for your personal use. All other use, copying or reproduction of this website or any part of it is prohibited (except to the extent permitted by law). None of the content or any part of it may be reproduced on any other internet website.

The external linked websites within the Website are not within the control of Millennium3. Millennium3 does not take responsibility for the content in, or currency of, any externally linked sites. The inclusion of any link within the Website does not imply endorsement by Millennium3 of the linked website, nor does it suggest any relationship with the organisation linked.

Millennium3 may publish electronic addresses on this Website to facilitate communication relating to our business functions. This is not to be inferred as consent by Millennium3 or the relevant addresses to receiving unsolicited commercial messages or SPAM as referred to in the Spam Act 2003 (Cth).

Millennium3 makes no warranties or representations about this Website or any of its content. Millennium3 is not responsible to you or anyone else for any damages of any kind, including (but not limited to) any direct or consequential loss and losses resulting from security failure, disclosure of confidential information by other parties or the transmission of a computer virus, suffered in connection with the use of this Website whether based on breach of contract or warranty, tort (including negligence), product liability or otherwise, even if Millennium3 is informed in advance of the possibility of such damages. Millennium3 excludes, to the extent permitted by law, any liability which may arise as a result of the use of this Website. By using the Website, you agree to indemnify Millennium3 for any loss or liability arising out of your use. Use of the Website is at your own risk and you assume full responsibility and risk of loss resulting from your downloading, use of, or access to data, files, information, or other material on or through the Website. Millennium3’s aggregate liability to you for any other losses resulting from the use of the Website is limited to the nominal amount of $1.

The content of this Website has been prepared for residents of Australia and, as a result, all currency references are shown in Australian dollars unless otherwise stated. If you are accessing the Website in any other country, you should check whether you are entitled to access the Website. Millennium3 does not accept any liability from your accessing the Website outside of Australia.  These Terms will be governed in all respects by the laws of Victoria, Australia.

You submit to the exclusive jurisdiction of the courts of Victoria, Australia and any courts of appeal from them.