This website, www.goldram.com.au and other related websites for which this website is a portal (collectively “Website”) contains a general information owned and operated jointly by Goldram Financial Services ACN 051 155 367 (“Goldram”).Your access to this Website is subject to the terms and conditions set out in this notice, as well as the Privacy Policy, notices, disclaimers and any other terms and conditions or other statements contained on this Website (collectively “Terms and Conditions”). By using this Website, you agree to be subject to the Terms and Conditions. This Website is for the use of persons in Australia only. References to currency are in Australian dollars. Because the information in this Website is general in nature, it may not be relevant to individual circumstances. Before making any investment, insurance or financial planning decisions, you should consult a professional adviser. An investment adviser can help you decide whether your decision is appropriate for you. You should not do, or refrain from doing, anything solely based on the information provided in this Website without first obtaining professional advice from a financial adviser. Goldram Financial and Tandem believe the information in this Website is accurate, and Goldram and Tandem have reasonable grounds for any opinion or recommendation found within, as at the date the relevant part of this Website was last updated. However, Goldram, Tandem and their respective directors, employees and agents are not liable for any loss or damage incurred by any person as a result of any error in any information, opinion or recommendation in this Website (whether due to the negligence of Goldram, Tandem or their respective directors, employees and agents, or otherwise). This does not limit any rights a person has under the Trade Practices Act. Nothing in this Website is, or should be taken as, an offer, invitation or recommendation to buy or sell any investment in or make any deposit with Goldram, Tandem or any other person. Copyright in this Website (if any) is owned by or licensed to Goldram and/or Tandem unless otherwise indicated. This Website also contains a number of trademarks, logos and symbols which are either owned by Goldram, Tandem or used with the permission of the owners. You are entitled to use the information in this Website for your personal reference only. Except as permitted by the Copyright Act 1968 (Cth) or other applicable laws, you must not reproduce, adapt, upload, download, link to, frame, perform in public, transmit or distribute any content from this Website or any part of it (in whatever form or by whatever process) unless you have obtained Tandem’s prior written approval. Goldram and Tandem will not be responsible for any loss or damage arising from of the above acts which are not authorised by Tandem, nor will it be responsible for any content of other sites which are accessed via this Website. The Terms and Conditions can be modified at any time by Tandem and you agree to continue to be bound by these Terms and Conditions as modified. The revised Terms and Conditions will be published on this Website and not otherwise notified to you separately.