General Advice Disclaimer

General Advice Disclaimer
The strategies which are summarised herein are not recommendations and are of a general nature. They do not take into account your specific circumstances and they should not be acted on without a full understanding of your current situation and future goals and objectives by a fully qualified financial adviser. In doing so you risk making a commitment to a product and/or strategy that may not be suitable to your needs. Assumptions used within the strategies are based on current legislation and may change in the future. Interest rates and returns may also change affecting your investments and their relative performance. It is accepted that every care has been taken to ensure the material is accurate and reliable and that no responsibility is accepted for errors or omissions Please Note: Where investment returns are indicated the figures are based on historical data and are not a representation of future performance.

Copyright
All materials on this web site are Copyright & 2005 to Gigfish Enterprises Pty Ltd or used with the permission of the author. All rights reserved.

Written materials on this web site reproduced in any form without the written consent of Gigfish Enterprises Pty Ltd are violations of our copyright and will be pursued to the fullest extent through law.

Privacy Policy
This web site is owned and managed by Gigfish Enterprises Pty Ltd. We are business people just like you, and we are committed to protecting your privacy. We appreciate you may have concerns with regard to our use of your personal information. We will do everything within our power to ensure we maintain the confidentiality of, and security around, your personal information that is contained within our customer records. We never rent, trade or sell our customer records to any other organisation. Why Do We Collect Your Personal Details? Gigfish Enterprises Pty Ltd limits its collection and use of personal information to that which is necessary for the functioning of our business. We collect personal information from you directly for the following Specific Purposes: to communicate with you, our customers. We will respond to information requests from you and inform you of updates to Gigfish Enterprises Pty Ltd's products and services; to understand your needs, as a customer, regarding Gigfish Enterprises Pty Ltd's available products and services; to continue to develop and provide products and services for you, the customer; to personalize some of our products for you, the customer; to allow you, as a customer, access to limited-entry areas of Gigfish Enterprises Pty Ltd's web site; to identify and resolve technical problems concerning Gigfish Enterprises Pty Ltd's products and services, to invoice you, as a customer, for products and services and maintain payment records; to satisfy any applicable law, regulation, legal process or government request; and to protect the services, products or rights of Gigfish Enterprises Pty Ltd. Gigfish Enterprises Pty Ltd will also use personal information in a combined form (i.e. not individually traceable to you) for business analysis purposes. Your Consent For Collection, Use Or Disclosure Of Personal Details Registration for Gigfish Enterprises Pty Ltd products and services by you, as a customer, will constitute your consent for Gigfish Enterprises Pty Ltd to collect, use and disclose personal information (opt-in) under this Privacy Policy. Gigfish Enterprises Pty ltd will seek your consent for any new uses and disclosures of your personal information, before your details are used or disclosed for a new purpose. In certain circumstances however, Gigfish Enterprises Pty Ltd will not be required to inform and obtain your consent for use and/or disclosure of your personal information. Such as: investigation of a breach of an agreement, contravention of laws, an emergency where the life, health or securtiy of an individual is threatened, or the collection of a debt. You, the customer, may withdraw your consent for collection, use and disclosure of personal information at any time on written notice (opt-out). On withdrawal of consent Gigfish Enterprises Pty Ltd will suspend or terminate its products and services. After your account becomes inactive, Gigfish Enterprises Pty Ltd will keep your personal information only for those purposes which are established by law, and for archival record purposes. Accuracy Of Your Personal Information Gigfish Enterprises Pty Ltd will use reasonable efforts to keep customer personal information accurate for the Specific Purpose, and for minimising the possibility of making inappropriate customer decisions based on such information. Customers are responsible for informating Gigfish Enterprises Pty Ltd about changes to their personal information. Gigfish Enterprises Pty Ltd will update personal information where necessary to keep it accurate or else provide customers the facility to make such updates. Security Safeguards Gigfish Enterprises Pty Ltd will take reasonable steps to protect your personal information against misuse, loss, unauthorised access, modification or disclosure, through security safeguards that depend on the level of sensitivity of the information. Methods of protection include: organisational measures (contract provisions, limiting access to need-to-know Gigfish Enterprises Pty Ltd personnel), technological measures (forms, passwords, encryption), and physical measures (locked file storage). Gigfish Enterprises Pty Ltd will control personal information disclosed to authorised third parties by entering into agreements with contain confidentiality provisions and restrictions on use and which limit the amount of information disclosec to only that which is needed for Specific Purposes. Policy Visibility This Privacy Policy, and all updates to the Privacy Policy made from time to time, will be published and made available to you, Gigfish Enterprises Pty Ltd's customer on the web site. It is your obligation to periodically check the Gigfish Enterprises Pty Ltd's website for Privacy Policy updates. Your Access To Personal Information You can access your personal information on our customer records unless access: threat to life or health; threat to other people's privacy; legal procedures overrule doing so; prejudice to negotations; access would be unlawful; denying access is required or authorised by law; prejudice investigation of unlawful activity; prejudice law enforcement; or national security. Policy Improvement Gigfish Enterprises Pty Ltd wants to endure that its Privacy Policy meets its customers'needs. If you have privacy concerns, or feel that the Privacy Policy needs improvement, or believe that Gigfish Enterprises Pty Ltd is not following it's Privacy Policy, please contact us.

Terms & Conditions (T&C)
These T&C are your conditions of use on the gigfish.com.au website, and with gigfish.com.au emails and newsletters. Your use of this web site and emails and newsletters constitutes an affirmative acknolwedgement and agreement by you that your accept to abide and be bound by these conditions and any modifications. The gigfish.com.au web site and its emails and newsletters are designed to make you aware of business strategies which may be used to further your business and personal well-being. We strongly advice that you seek independent and qualified accounting and legal advice before undertaking any actions as a result of any information provided on the gigfish.com.au website or within our emails and e-letters. Disclaimer No part of this web site should be interpreted as advice in relation to any matter, nor should it be relied on as such. Nothing in this web site should be construed as a warranty that any particular result or outcome will be achieved by any business using the recommended services, and except as otherwise expressly stated in this web site, the owner of this web site and all of its associates will not be liable for any alleged loss of any kind whatsoever, claimed to arise from any materials contained in this web site.
Limitation of Liability
Besides those statutory rights and remedies available under the Trade Practices Act (Cth) or any similar State or Territory legislation which cannot be exluded, restricted or modified, in no event shall Gigfish Enterprises Pty Ltd, nor its directors, employees, or agents be liable for any direct, indirect, incidental, special and/or consequential damages or loss of profits resulting from the use of the information found on or distributed through this web site or via our newsletters and emails. Gigfish Enterprises pty Ltd, its directors, employees and agents shall be indemnified and held harmless from any actions, claims, proceedings, or liabilities with respect to the use of any information on this web site, or use of information within its newsletters and emails. All information provided is only to be construed as opinions, os of a non-advisory nature, and is to be used as an information service only. Third Parties Hyperlinks to web sites operated by third parties exist upon gigfish.com. au Neither Gigfish Enterprises Pty Ltd, nor its directors, employees or agents have any control over or responsibility for the contents of any such third party web site. Further, Gigfish Pty Ltd, its directors, employees or agents accept no responsibility for any produt or information provided or actions taken by any third party or for any transactions entered into between the user and the relevant third party. Applicable Law These terms and conditions will be governed by and construed in accordance with the laws of the state of Victoria. Users of the gigfish.com.au web site irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of Victoria. If any provision of these terms and conditions is found to be invalid or unenforceable by a court of law, such invalidity or unenforceability will not in any manner alter the ongoing validity and applicability of the remainder of these terms and conditions. All rights not expressly stated within these terms and conditions are reserved. Please refer also to our Copyright and Privacy Policy information.