This website, the Provisio software, and the Provisio services (“Services”) do not constitute “financial advice.” The Provisio Services are intended to provide information and mathematical tools to assist current Australian Financial Services Licensees. The Services do not take into account any person's objectives, financial situation or needs. The information presented by Provisio Services pertains to mathematical tools related to specific financial planning strategies. The Services are intended to assist current AFSL licensees to understand these strategies in order to guide their clients who are considering investment decisions. The Provisio Services do not constitute “financial advice”, either general or personal. The Services are designed to assist financial advisers with their recommendations, and do not replace the expertise of a qualified financial adviser. You must be qualified to provide advice. These tools are not toys. The Provisio Services are not intended for use by anyone other than qualified financial professionals who are currently certified to advise on the strategies in the system. If you’re not a qualified financial professional, do not use the Services to influence your decisions pertaining to any investment products without consulting a current AFSL licensee. If you’re not a current AFSL licensee, do not use the Services to recommend investment strategies to any other individual. We recommend that all investors obtain financial advice specific to their situation from a current AFSL licensee before making any financial investment or insurance decision, including product selection, switching, or contributions to super. Provisio takes no responsibility for financial outcomes. Provisio Technologies Pty Ltd are not responsible for any financial outcomes related to an investment decision made by any person, that is directly or indirectly influenced by information presented by the Services. This includes but is not limited to, any information displayed on screen, and any Statement of Advice generated by the system. It is the responsibility of the financial adviser to determine the appropriateness of any recommendation s/he makes to any client and to check the Statement of Advice for accuracy. Provisio is not responsible for financial outcomes in the case of an error in the Provisio system. Investment outcomes are influenced by many factors, such as inflation, markets, and individual fund investment product performance. It is the investor's responsibility to review the appropriateness of advice and investments regularly, and in particular when outside influences or personal circumstances change. Provisio is not liable for errors in the Services. Provisio makes no guarantee that the Services will be error-free. If you believe that Provisio has made an incorrect calculation, we ask that you notify us as soon as possible. Know your product before you make a decision. No website or software is able to take into account any person's particular investment objectives, financial situation or needs. All investors should obtain and consider the appropriate information related to an investment product before making any decision related to that product. A product disclosure statement (PDS) outlines specific information relating to a financial product. Investors should always consider the appropriateness of the product-specific information as it relates to their own objectives, financial situation and needs. If you are not currently qualified to advise on a product, you should consult a qualified financial professional to obtain personal advice before making any decision on the basis of the product-specific information. All case studies on this site are for illustration only.