IMPORTANT NOTICE: This document has been prepared by Clover.com.au Pty Ltd (ABN 83 602 834 597, Australian Financial Services Licence Number 479416) (Clover). Please read the following before making any investment decision about any financial product mentioned in this document.
Disclosure at the date of publication: Clover, its directors, officers, employees, representatives and their respective associates may have holdings or positions in any securities or financial products referred to in this document, which holdings may change during the life of this document. Clover considers any such holdings not to be sufficiently material to compromise any recommendation or advice.
WARNINGS: This document is intended to provide background information only and does not purport to make any recommendation upon which you may reasonably rely without further and more specific advice. To the extent that this document contains advice: (i) this is limited to general advice only; (ii) has been prepared without considering your objectives, financial situation or needs; and (iii) because of this you should therefore consider the appropriateness in light of your objectives, financial situation or needs, before following the advice. To the extent that this document contains any advice, we recommend that you do not act on this advice without first consulting your investment adviser to determine whether the advice is appropriate for your investment objectives, financial situation and particular needs.
Past performance is not a reliable indicator of future performance, and no representation or warranty, express or implied, is made regarding future performance.
DISCLAIMERS: This document is for the exclusive use of the person to whom it is provided by Clover and must not be used or relied upon by any other person. This document may contain information or statements of fact that have been obtain from, and are based upon, sources Clover believes to be reliable, no representation, warranty or undertaking is given or made in relation to the accuracy of the information which may be incomplete or condensed. The Clover assume no obligation to update this document or correct any inaccuracy which may become apparent after it is given. If any advice in this document relates to the acquisition or possible acquisition of a particular financial product, you should obtain a copy of and consider the product disclosure statement, prospectus or other document for that financial product before making any decision. Save for any statutory liability that cannot be excluded, the Clover accept no liability whatsoever for any loss or damage of any kind caused by any error in, inaccuracy, or omission from, this document or arising out of the use of all or part of these materials. This document is published for information purposes and is not to be construed as a solicitation or an offer to buy or sell securities or related financial products.