Terms & conditions

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We are an authorised representative of an AMP Australian financial services licensee, as shown in our Financial Services & Credit Guide. Your access to this website is subject to these terms and conditions, our Privacy Policy, notices, disclaimers and any other terms and conditions or other statements contained on this website (referred to collectively as "Terms and Conditions"). By using this website you agree to be subject to the Terms and Conditions.

Access for persons from within Australia only

This website is for only for the use of persons accessing the website from within Australia. The services described in this website are only available to persons accessing the website from within Australia.

No investment advice provided to you

Unless otherwise expressly stated to the contrary, this website is not designed for the purpose of providing personal financial or investment advice. Information provided does not take into account your particular investment objectives, financial situation or investment needs.

You should assess whether the information on this website is appropriate to your particular investment objectives, financial situation and investment needs. You should do this before making an investment decision on the basis of the information on this website. You can either make this assessment yourself or seek the assistance of an adviser.

Unless otherwise expressly stated to the contrary, the information on this website is not a recommendation to invest in any investments, securities or financial products offered by any product issuer, including AMP or a member of the AMP group of companies.

Third party offers

This website may contain references to other special offers or promotions by third parties. Subject to any applicable law which cannot be excluded, we make no warranties or representations regarding the quality, accuracy, merchantability or fitness for purpose of the goods or services available from these persons. Your obtaining of goods or services from these persons is at your own risk. You indemnify us and our authorising licensee against all liability, loss, damage, cost and expense arising from or relating to your obtaining goods or services from a third party referred to in this website.

Disclaimer and limitation of liability

To the maximum extent permitted by law, neither we nor our authorising licensee will be liable in any way for any loss or damage suffered by you through use or access to this website, or our failure to provide this website. Our liability for negligence, breach of contract or contravention of any law as a result of our failure to provide this website or any part of it, or for any problems with this website, which cannot be lawfully excluded, is limited, at our option and to the maximum extent permitted by law, to resupplying this website or any part of it to you, or to paying for the resupply of this website or any part of it to you.

General conditions

These Terms and Conditions are governed by the law in force in the State of New South Wales, and the parties irrevocably submit to the non-exclusive jurisdiction of the courts of New South Wales and courts of appeal from them for determining any dispute concerning the Terms and Conditions.

These Terms and Condition can be modified at any time by us and you agree to continue to be bound by these Terms and Conditions as modified. We will give you notice of these changes by publishing revised Terms and Conditions on this website ? we will not separately notify you of these changes.

If the whole or any part of a provision of these Terms and Conditions are void, unenforceable or illegal in a jurisdiction it is severed for that jurisdiction. The remainder of the Terms and Conditions have full force and effect and the validity or enforceability of that provision in any other jurisdiction is not affected. This clause has no effect if the severance alters the basic nature of the Terms and Conditions or is contrary to public policy.

Linking to our website

If you wish to link to this website, you must first seek our written approval.

Copyright

Except where necessary for viewing the information on this website on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms and Conditions, no information on this website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of the Owner.

Loans

Interest rate is only one aspect of your debt strategy. The effective use of home loan tools and structures can assist you to be debt free on your home and to start building wealth outside of the home. Come and talk to Money Headquarters to make sure that your home loan is being used to its full strength and just as importantly; learn whether your home loan has the strengths that you need.

Retirement Planning

What is your retirement dream? It is important to have a plan and it is important to know when you can realistically consider retirement. And if you can realistically consider it we would ask; what are you waiting for? For many of us it is simply the question of how much is enough? At Money Headquarters we can help you to answer these questions and others. We can help you to plan in the final years of your working life to maximise superannuation strategies and we can help you to map out and fund your ultimate retirement dream.  We will not be afraid to tell you that you have enough when the time is right and to encourage you to get started on rewarding yourself as you embark on your retirement journey.

Insurance & Protection Strategies

Insurance is about having a backup plan in case something goes awry. Illness, injury and death are severe examples of things going wrong and apart from the emotional and physical impact of such events, they can be financially devastating. Come and talk to Money Headquarters today to devise a protection strategy that suits you and your budget. Talk to us also about commission free insurance contracts to potentially save you thousands over your period of insurance need. 

Budgeting & Cashflows

The budget is where it all begins. Businesses spend thousands on developing and improving the budget process as a framework for the future. Individuals often ignore the need for a budget and instead live pay to pay. Come and talk to Money Headquarters about how to construct an effective budget.

Debt Strategies 

Companies use debt to optimise their ability to grow. Individuals often look to their home as the key investment asset throughout their lives and at least initially, it is often highly leveraged. Using debt for investment purposes can create additional risk but where that risk is properly managed, leveraged investment strategies are an opportunity to build wealth and in a tax effective manner. Come and talk to Money Headquarters today about how to use debt within your comfort levels to build wealth.

Investment Strategies

Are you concerned that your hard earned savings are not working for you? Make your money work for you by devising an investment plan that is right for you. Whether you are saving for a home, a holiday, the kids’ education or something else or whether you are simply building wealth for a rainy day, come and talk to Money Headquarters and design an investment strategy that is right for you.

Superannuation Strategies

Superannuation is for many of us the most effective tax structure available to us. Medium to high income earners should understand its power and low income earners should understand when and how to access superannuation opportunities.  Super is often maligned due to its preserved nature and also because the rulebook seems to be an ever changing one but at Money Headquarters we are strong believers in the place of superannuation in the financial lives of everyday Australians. Come and talk to us about the strengths and pitfalls of super and how we can design a superannuation strategy to improve your tax position in the short term and build wealth more effectively for you in the long term.

Disclaimer:

This website contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information.