Investment Warehouse

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Disclaimer, Disclosure and No Advice Agreement

This site known as investmentwarehouse.com.au is provided by Direct Advisers Pty Limited, Licensed Dealers in Securities.

The information and products in investmentwarehouse.com.au are provided on a no advice basis and therefore is not intended nor is to be regarded as financial advice. You should obtain your own independent financial advice that addresses your own specific requirements, situation and objectives before making investment decisions and purchasing investment products. 

The information provided by investmentwarehouse.com.au is given in good faith and has been derived from sources believed to be up to date and accurate at the time that it was entered onto this site. As this information is selective and subject to change at any time it may no longer be complete or accurate for your purposes. 

Returns from investments, particularly the more growth-based investments such as shares and property, can and do fluctuate from time to time. Further, an exposure to international asset classes could mean that an investor is taking on currency risks in addition to normal market risks, and losses as well as gains may occur in any particular period with movements in currencies. It may therefore be necessary for Investors to adopt long term investment horizons and accept that capital losses as well as gains may occur in any particular period with market movements. Investors should note that even over the long term capital losses may occur and that the recovery of a capital loss may take up to several years or even be irrecoverable. 

Neither Direct Advisers Pty Limited, nor any of its respective directors, officers and employees shall be liable in any way whatsoever for any loss or damages whether direct, indirect, consequential or otherwise howsoever arising (whether due to negligence or otherwise) out of or in connection with the investments listed in investmentwarehouse.com.au, except where a liability is made non-excludable by legislation.

Direct Advisers Pty Limited and any of its respective directors, officers and employees, may have an interest in the securities referred to in investmentwarehouse.com.au in that they may hold investments in or receive commissions from such securities, or may hold investments in or receive commissions from other securities managed by organisations described herein. 

The information provided in investmentwarehouse.com.au is for Australian residents only. 

Direct Advisers Pty Limited trading as Investment Warehouse is not making an offer of securities or other financial products and is not inviting to you to take up securities or other financial products. 

Except to the extent expressly included in any publication of any supplier available from this site, and then subject to any conditions, which are made clear in such publications, no such supplier has any responsibility for any statement made in this site whatsoever. 

Specific exclusions apply to the funds offered through Direct Advisers Pty Limited. You should carefully read the prospectus for the relevant fund(s) you have chosen. None of the fund managers give an implied or direct warranty in relation to any statements on this web site except to the extent set out in the relevant prospectus. 

Because investmentwarehouse.com.au is a no advice transaction execution service it does not contain any securities recommendations nor are any securities recommendations being made. It should not be construed that the listing or naming of any investment or product within investmentwarehouse.com.au is a recommendation in any way whatsoever. 

If you need investment advice, please contact Direct Advisers Pty Limited at www.directadvisers.com.au

Direct Advisers Pty Limited is entitled to receive and will retain ongoing or trail commissions on the investments that you select. These commissions are paid by the financial institutions that you invest with out of their own funds and are in the range of 0.25% to 0.40% per annum depending upon the investment fund selected. 

If you have any complaint about the service provided to you, you should take the following steps: 

1. Please contact Mr Peter Rodgers of Direct Advisers Pty Limited on (02) 6583 7588 or put your complaint in writing and send it to Mr Peter Rodgers at Direct Advisers Pty Limited PO Box 269, Port Macquarie, 2444. We will try and resolve your complaint quickly and fairly. 

2. If you still do not get a satisfactory outcome, you have the right to complain to the Financial Industry Complaints Service (FICS) on phone 03 9629 7050 or toll free 1800 335 405. Direct Advisers Pty Limited is a member of this scheme. 

The Australian Securities and Investments Commission (ASIC) also has a toll free Infoline on 1300 300 630 which you may use to make a complaint and obtain information about your rights.
Please check the boxes below to verify that you have read the Disclaimer and the Financial Services Guide.
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� Direct Advisers Pty Ltd. 2008