Welcome to our Web site. We have provided this Web site for your convenience to help you learn about our companies, products and services. This page provides important information about use of this Web site and other legal matters.
Please read all of the following terms and conditions carefully before continuing. They govern your use of the Meridian Financial Group Web site (the "Site"). By using this Site, you signify your acceptance of these Terms and Conditions of Use. Please be aware that they may be changed or updated at any time without prior notice. Changes are effective when posted on the Site. Please review them periodically for current information. By continuing to use the Site, you agree to any changes or updates. If you do not agree to these terms and conditions, do not use this Site.
Product Offerings
The products and services described on this Site are offered by the individual companies or distributors with which the Meridian Financial Group P/L ("MFG") has agreements through its Authorised Dealer, AMP Financial Planning Pty Ltd. Please be aware that some products, services, product features or underlying investment options described on this Site may not be available in your jurisdiction and generally are not available outside Australia. The laws of each country, state, or territory may differ and not all products and services are available in all locations. References to products or services unavailable in your jurisdiction do not imply that these products will be made available to you, and nothing on this Site shall be considered a solicitation to buy or an offer to sell a security, insurance product or service to any person in any jurisdiction where such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Your eligibility for certain products and services is subject to final determination of underwriting qualifications or other eligibility criteria and acceptance by the company providing such product or service.
Ownership and Use of Content
Copyright
All of the information and content on this Site, including but not limited to all text, graphics, images, software applications and code, video, audio, and user interface design ("Content") is the property of Meridian Financial Group or its affiliates, or is being used by MFG with the express permission of a licensor, and is protected by United States and foreign copyright laws and conventions. You may not modify, reproduce, copy, distribute, transmit, display, publish, download or upload, sell, license, create derivative works of or use any aspect of the Site or its Content for commercial or public purposes or for any other purpose not expressly permitted by these Terms and Conditions. The use of the Content on any other Web site or in a networked computer environment for any purpose, or any other republication, redistribution or use of the Content, including, without limitation, framing the Content within another Web site, is expressly prohibited without the prior written permission of MFG.
Trademarks, Service Marks, and Logos
The trademarks, service marks, logos, URLs and domain names, registered or not, including without limitation "Meridian Financial Group" and the MFG logo, ("Marks") appearing on this Site, and any other Web site, are the property of MFG and other parties. You may not use, copy, download, display, transmit or modify any Mark in any way without the prior written consent of the owner of such Mark. You may not include the MFG name, any Mark or any variation of the foregoing, as a metatag, hidden textual element, or any other indicator that may create an impression of affiliation, sponsorship, endorsement or any other relationship between this Site, MFG or any MFG company and any other Web site, person, entity or organization.
Links
From time to time, MFG may provide links from this Site to a non-MFG Web site or permit a link from a non-MFG Web site to this Site. Such links are for your convenience only and do not imply any affiliation with, or an endorsement, authorisation, sponsorship or promotion of the non-MFG Web site or its owner. MFG does not control or review any link, and accepts no responsibility for the content, products or services provided at these linked Web sites. If you decide to access such non-MFG Web sites, you do so solely at your own risk and you should be aware that non-MFG Web Sites are governed by their own terms and conditions and privacy policies. Links to this Site may be made only with the permission of MFG. A link to this Site may be permitted in MFG’s discretion, where, without limitation, such link (a) is to this Site's homepage, (b) clearly informs users that the link is to the MFG Web site, (c) does not imply any affiliation, endorsement, sponsorship or other relationship between the linking Web site or the Web site owner and MFG, (d) delivers this Site's Content without framing or similar environment, and (e) maintains the integrity of this Site's layout, content and look and feel. MFG reserves the right in its sole discretion to refuse permission or to cancel permission to link to this Site at any time.
Submissions
All information submitted to MFG via this Site shall be deemed and remain the property of MFG and we shall be free to use, for any purpose, anywhere and in any format, any ideas, concepts, know-how or techniques contained in the information you may provide to MFG through this Site. MFG shall not be subject to any obligations of confidentiality regarding such information, except as specifically stated in our privacy policies, specifically agreed to or required by law. You are advised that MFG does not want you to provide and prohibits you from providing any information or materials to MFG that are defamatory, threatening, obscene, harassing, or otherwise unlawful or offensive, or that incorporate the proprietary material of another without authority.
Content and Liability Disclaimer
No warranty. Our intent is to provide accurate and up to date content on this Site; however, that is not always possible. THEREFORE, ALL CONTENT, SERVICES AND FUNCTIONS ON THIS SITE, OR ANY OTHER WEB SITE LINKED TO THIS SITE, ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. Some jurisdictions do not allow the exclusion of certain implied warranties in which event any required warranty applies to the minimum extent legally required.
Content is provided for informational purposes only and should not be relied on.
Although the information on this Site may include statements on various life events and financial, legal or tax concerns, it is provided for informational purposes only, and is not intended and should not be relied upon as legal, tax or personalized advice. MFG does not warrant or make any representations regarding the suitability, usefulness or expected results of the Content, services, products or functions, including tools such as calculators, provided on this Site or any linked Web site. You should not rely solely upon this information in making any decisions, including any decision to buy a product or service from an MFG company or any other company. You should consult your financial professional and legal and/or tax advisor for advice about the appropriateness of products and services for you, and the effect of state and federal law on the products, services or issues discussed on this Site, or of income taxes or any other taxes on amounts held or paid out under any financial products described.
Content may contain inaccuracies or errors and may change.
No warranty or representation is made that the information on this Site is complete, accurate, up-to-date or error-free or that known defects will be corrected. Content, services, products or functions available at this Site may be changed or updated at any time without notice; but MFG has no obligation to update this Site so information may be out-of-date at any given time.
Access and availability
No warranty or representation is made that this Site or any part or function, including without limitation any transactional function, will be available and not subject to interruption at any time.
Disabling devices
No warranty or representation is made that any Content, service, product or function, including without limitation any downloadable files, available at this Site or any linked Web site is free of a computer virus, worm, trojan horse, timebomb or other destructive or harmful program, software, code or device which may erase, scramble, lock or disable any computer software, content or equipment or may prevent users from using a Web site or any other item of hardware or software. You should routinely scan your system and downloaded files for such disabling devices.
Third party content
From time to time MFG may provide information at this Site supplied by third parties. Any opinions, advice, statement, services, offers, or other information expressed or made available by a third party, are those of such third party and not MFG. MFG does not independently verify the information provided by third parties, does not guarantee the accuracy, completeness, timeliness or correct sequencing of such information, and assumes no responsibility for Content displayed on this Site that may be provided by another party.
Limitation on liability and damages
IN NO EVENT WILL MFG BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTIONS, LOSS OF PROGRAMS OR DATA ON YOUR EQUIPMENT, OR OTHERWISE, EVEN IF WE OR ANY OF OUR REPRESENTATIVES ARE EXPRESSLY ADVISED OF THE POSSIBILITY OR LIKELIHOOD OF SUCH DAMAGES, ARISING OUT OF OR RELATED TO ANY USE OF OR INABILITY TO USE THIS SITE, OR ANY OTHER LINKED WEB SITE, INCLUDING, WITHOUT LIMITATION, USE OF OR RELIANCE ON INFORMATION, INTERRUPTIONS, ERRORS, DEFECTS, MISTAKES, OMISSIONS, DELETION OF FILES, DISABLING DEVICES, DELAYS IN OPERATION OR TRANSMISSION, NONDELIVERY OF INFORMATION, THEFT, UNAUTHORIZED ACCESS, DISCLOSURES OF COMMUNICATIONS, OR ANY FAILURE OF PERFORMANCE. Some jurisdictions do not allow limitation or exclusion of certain liabilities or damages in which event in such jurisdiction the foregoing shall apply to the maximum extent allowed by law. You are responsible for the entire cost of all servicing, repair or correction of your property or operations, including without limitation your computer, network, software or any device, required as a result of or related to using this Site. In no event shall MFG's total liability to you for damages, losses and causes of action of any kind - whether in contract, tort (including, but not limited to, negligence), strict liability or otherwise - exceed the amount paid by you, if any, for accessing this Site.
Privacy
We are committed to protecting the privacy and confidentiality of your personal information. To review the MFG Privacy statement, click here.
When you visit and navigate our site and when you communicate with us via our site, we will not collect personal information about you unless you provide us that information voluntarily. You should be aware that when you visit our Site, we collect certain information that does not identify you personally, but provides us with "usage data," such as the number of visitors we receive or what pages are visited by a visitor. This data helps us to analyze and improve the usefulness of the information we provide at this Site and our products and services.
Like most commercial website owners, we may also use what is known as "cookie" technology. A "cookie" is an element of data that a website can send to your browser when you link to that website. It is not a computer program and has no ability to read data residing on your computer or instruct it to perform any step or function. By assigning a unique data element to each visitor, the website is able to recognize repeat users, track usage patterns and better serve you when you return to that site. For example, a cookie can be used to store your preferences for certain kinds of information or to store a password so that you do not have to input it every time you visit our Site. The cookie does not extract other personal information about you, such as your name and address. Most browsers provide a simple procedure that will enable you to control whether you want to receive cookies by notifying you when a website is about to deposit a cookie file. In addition, we may use cookies and/or devices called "web beacons" provided by our ad serving technology vendor to help manage our online advertising. The information collected via this ad serving technology is not personally identifiable. To learn more about this technology, or to opt out of the ad serving cookie, please visit http://www.networkadvertising.org/optout_nonppii.asp.
Monitoring Use
MFG reserves the right to monitor any and all use of this Site in its discretion. However, unless required by law, we do not have any obligation to you to conduct such monitoring or to take any action based on any monitoring we may conduct.
Security
You should be aware that in general information sent through the Internet is not secure. Email services that may be provided through this Site generally are not encrypted and do not provide a secure and private means of communication with us. We cannot guarantee that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception or error.
Miscellaneous
Entire Agreement
These Terms and Conditions represent the entire agreement between MFG and you relating to the subject matter herein. If any provision of these terms is deemed unlawful, void or for any reason unenforceable, then that provision will be deemed severed from these terms and will not affect the validity and enforceability of the remaining provisions.
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