Terms of use

Any information contained on this website is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information on this website, you should consider the appropriateness of it (and any relevant product) having regard to your circumstances and, if a current offer document is available, read the offer document before acquiring products named on this website. You should also seek independent financial, legal and taxation advice prior to acquiring any security or other financial, credit or lending product. All applications for credit or lending products are subject to the lender’s standard credit approval criteria and/or product provider criteria.

Kubio Group Pty Ltd (Kubio Group) makes no representation or warranty as to the accuracy, completeness, timeliness or reliability of the contents of this website, and other than as required under consumer protection law, Kubio Group accepts no responsibility for errors or misstatements, negligent or otherwise and under no circumstances will Kubio Group be liable for any loss or damage whatsoever caused by a user's reliance on information obtained from this website, including from use of any tools and calculators.

Kubio Group accepts no obligation to correct or update the information or opinions on this website. The information on this website may be based on assumptions or market conditions and may change without notice.

Kubio Group specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental or consequential damages arising out of or in any way connected with the access to or use of this website.

This website

This website is operated by and on behalf of Kubio Group.

The information on this site is subject to change without notice and, accordingly, Kubio Group recommends that you make direct contact with Kubio Group staff or your broker before acting upon material on this site.

Website links

This site may contain links to other websites operated by entities which do not belong to Kubio Group. These links have been provided solely for you to obtain further information about other relevant products and entities in the market. Kubio Group has no control over the information on these sites or the products or services on them, and therefore makes no representations regarding the accuracy or suitability of the information, services, or products described on them. You are advised to make your own enquiries in relation to third parties described or linked on this site. Inclusion of a link to a third party site should not be construed as that party's endorsement of this site.

By linking to sites operated by third parties, Kubio Group is not authorising the reproduction of any material on such sites, as such material may be the subject of intellectual property rights.

Software applications accessible from this site

Some of the software programs that may be downloaded via links from this site are products belonging to third parties. You use such third party software at your own risk. Such software is likely to be subject to licensing terms imposed by the owner of the software.To the full extent permitted by law, Kubio Group excludes all liability in relation to using or downloading any software (third party or otherwise) that may be accessed from this site. Kubio Group makes no representations and provides no warranties in relation to such software. In particular, to the full extent permitted by law, Kubio Group excludes all liability for any damage (including, without limitation, loss of data, interruption to business and loss of profits) resulting from viruses or any other consequence of using or downloading any software (third party or otherwise) accessible via this site.

Copyright and trade marks

Kubio Group is either the owner or licensed user of the copyright in the material on this site. You may not reproduce, adapt, upload, link, frame, broadcast, distribute or in any way transmit the material on this site without the written consent of Kubio Group, other than to the extent necessary to view the material or as permitted by law.

The Kubio Group name and all its associated marks and logos are trade marks of the Kubio Group.

Accessibility statement

This website has been designed to run on a broad range of browsers and operating systems. The page sets out information on:

Ensuring easy access to the site for all users is important to us - so please contact us if you have difficulties using this site or if you have any further questions or comments.

Standards compliance

Page design and layout is controlled by Cascading Style Sheets (CSS) and has been written according to the CSS 2.1 specifications.

Structured and meaningful Hypertext Mark-up Language (HTML) has been used to assist users accessing the site via non-visual means, such as users of screen-reading software.


The primary navigation menus are text-based lists and will still work for users using alternative browsing technologies, or who have javascript and/or CSS disabled.

A comprehensive site map provides one-click access to content deep within the site.

Supported browsers

Please note:

You can use the links below to download current versions of the browsers listed above:

Other technical requirements

The design of this site has been optimised for monitors set at 1024 by 768 pixel resolution with 16-bit colour depth. The site should still function for users on lower settings, but it may not be as visually appealing.

A number of other technologies are used on this site: