What our Terms & Conditions cover You agree to the following Terms of Service when purchasing, accessing, listening to, reading, using any of our services, or in any form (“Consume”), this website, audio or video recordings (including Ur Wealth Advisory’s YouTube channel), brochures, telephone contact, emails and other correspondence (“Content”) produced by Ur Wealth Pty Ltd (“Us”, “We”, “Our”).

Who it applies to and do your own research You agree that use of our content is at your own risk. The content is for educational and discussion purposes only. In no event will you hold us or any affiliated party liable for any direct or indirect losses caused by any information produced by us. You further agree to do your own research and due diligence before making any investment decision. You represent to us that you have sufficient investment sophistication to critically assess the information, analysis and opinion of the content we produce. You further agree that you will not communicate the contents of this report to any other person unless that person has agreed to be bound by these same Terms of Service. If you receive any of our content as an agent for any other person, you are binding your principal to these same Terms of Service. You agree and acknowledge that the materials, opinions and contents available on any of our platforms (including this website, Youtube and Facebook), are not investment recommendations and are indeed not recommendations of any kind. All content produced is general in nature and does not take into consideration your objectives, financial situation and needs (i.e. it is not personal financial product advice).

Everything is our opinion and this is not independent Any content produced contains solely our investment opinions. Our content has not been independently verified or confirmed by any expert or otherwise, our opinion could be materially different from an expert’s opinion. We are invested behind our investment opinions. Material in our content or anything you consume from us is solely the opinion of us and are not statements of fact. Our opinions are held in good faith, and we have based them upon publicly available evidence collected and analysed, which may be set out in content to support our opinions. We conduct research and analysis based on public information in a manner that any person could have done if they had been interested in doing so. You can publicly access any piece of evidence we may cite in our content. Think critically about our content and do your own homework before making any investment decisions.

Content has no warranty and take it “as is” Our content is based upon generally available information, field research, inferences and deductions through our own research. Some of the content may include financial projections and calculations based on possible taxation circumstances. These projections and calculations are for educational and discussion purposes only. They are not intended to imply that the projections and calculations are indicative of current or future market circumstances. Such information is presented “as is,” without warranty of any kind, whether express or implied. We make no representation, express or implied, as to the accuracy, timeliness, or completeness of any such information or with regard to the results to be obtained from its use. All expressions of opinion are subject to change without notice, and we do not undertake to update or supplement any content or any of the information, analysis and opinion contained in them.

We can change our opinion at any time You should assume that as of the publication date of content (possibly along with or through our members, platforms, partners, affiliates, employees, and/or consultants) along with our clients and/or investors and/or their clients and/or investors has an investment position and therefore stands to realise significant gains in the event that the price changes in conjunction with our investment opinion. We intend to continue transacting in investments covered in our content for an indefinite period, and we may be long, short, or neutral at any time hereafter regardless of our initial investment opinion.

No financial, tax, or legal advice Nothing contained in our content is an offer to sell or a solicitation of an offer to buy any financial product, nor shall we offer, sell or buy any financial product to or from any person through the content you consume from us. All investment carries some form of risk. Before any investment is made, you should consider whether the risk is suitable to your circumstances. Each individual’s circumstances and risk tolerance are different. We are NOT licensed financial advisers, nor lawyers, or accountants. Prior to making any investment or hiring any investment manager you should consult with professional financial, legal, and tax advisors to assist in due diligence as may be appropriate and determining the appropriateness of the risk associated with a particular investment. Users who consume our content therein shall not use our content at any time for any purpose that is unlawful or prohibited and shall comply with any applicable local, state, national, or international laws or regulations when using our content.

Information about the distribution of our content You agree that all our content is copyrighted, and you, therefore, agree not to distribute this information (whether the downloaded file, copies/images/reproductions, or the link to these files) in any manner other than by providing a link directly to where users can consume the content. If you have obtained content, we have produced in any manner other than by downloading from such links, you may not read such research without going to that link and agreeing to the Terms of Service. You further agree that any dispute arising from you consuming our content shall be governed by the laws of the state of Queensland  Australia, without regard to any conflict of law provisions. You knowingly and independently agree to submit to the jurisdiction of the supreme courts of Queensland Australia and waive your right to any other jurisdiction or applicable law. The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of this right or provision. If any provision of these Terms of Service is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision and rule that the other provisions of these Terms of Service remain in full force and effect, in particular as to this governing law and jurisdiction provision. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this website or the material herein must be filed within one (1) year after such claim or cause of action arose or be forever barred.

Copyright applies to all content Us and the terms, logos, and marks included in our content that identifies our services and products are proprietary materials. Copyright is applicable to all content produced by us, and the information and material therein is proprietary material owned by us unless otherwise indicated. Unless otherwise noted, all information provided on this site is provided by us and is subject to copyright and trademark laws. Logos and marks contained in links to third party sites belong to their respective owners. Third party links Any links from our content are for viewer convenience. We make no representation of, nor guarantee the accuracy or the safety of, any of these links. You can use the links entirely at your own risk. Opt-in for marketing By registering any of your contact details, you agree to be added to our distribution list to receive future communications from us. You can view our privacy policy on our website: www.urwealth.com.au.

UR Wealth Advisory is the trading name of UR Wealth Pty Ltd  ABN 37 645 887 501 / ACN 645 887 501. This entity is a credit representative of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237) under s64(1) of the National Consumer Credit Protection Act 2009. Credit representative number (CRN) 527326 and is a member of the Finance Brokers Association of Australia (FBAA)

UR Wealth PTY LTD.

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