Terms of Use & Disclaimer


The terms of this disclaimer (Disclaimer) apply to the website www.efga.com.au of EFGA Pty Ltd ACN 604 914 301 (EFGA) and its related entities. Please read this disclaimer carefully as it will govern your use of the website.

By accessing this website and or using the information provided on or via this website you agree to be bound by this Disclaimer.


The information provided on or via this website is of a general nature and has been prepared without taking into account your personal objectives, financial situation or needs. Therefore, in deciding whether to join our program, you should consider whether the program is appropriate to your objectives, financial situation and needs and where appropriate, seek professional advice from a financial advisor.

Although efga attempts to provide accurate, complete and up-to-date information, which has been obtained from sources that are considered reliable, EFGA does not make any warranties or representations, express or implied, as to whether information provided on or via this website is accurate, complete or up-to-date.

EFGA controls and maintains this website from Australia and makes no representation that the information provided on or via this website is appropriate or available for use in other locations. If you use this website from other locations, you are responsible for compliance with applicable local laws.

EFGA does not represent or warrant that this website functions without error or interruption. Use of this website that may hinder the use of other Internet users, that can endanger and/or jeopardise the functioning of this website and/or affect the information provided on or via this website or the underlying software, is not permitted.


Where EFGA provides hypertext links to third party websites, such links are not an endorsement by EFGA of any product or services provided on or via such websites. The use of such links is entirely at your own risk and EFGA does not accept any responsibility or liability for the content, use or availability of such websites. EFGA has not verified the truth, accuracy, responsibility, reliability and completeness of any content of such websites.


EFGA, or the relevant owner, retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this website (including all texts, graphics and logos). You may not copy, download, publish, distribute or reproduce any of the information contained on this website in any form without the prior written consent of EFGA or the appropriate consent of the owner. However you may print and/or download information contained on this website for your own personal use. Links to EFGA websites are not permitted without the prior written consent of EFGA.


Messages that you send to EFGA by email may not be secure. EFGA recommends that you do not send any confidential information to EFGA by e-mail. If you choose to send any messages to EFGA by e-mail, you accept the risk that they may be intercepted, misused and modified by a third party.


Except to the extent required by law, neither EFGA or its affiliates, directors, officers, employees, agents, Service providers, other contractors, successors or assigns will be liable for any losses, damages, liabilities, claims or expenses (including legal costs and defence or settlement costs) whatsoever, whether in contract, tort (including negligence), statutes or otherwise, arising out of, or in any way related to, the use of this website or any website linked to it. This limitation applies to all direct, indirect, consequential, special, punitive or other losses, damages, liabilities, claims or expenses you or others may suffer, including for loss of profits, business interruption or loss or corruption of data or information.

EFGA’s liability for a breach of a condition or warranty which is implied by law and cannot be excluded is limited, to the maximum extent possible, to any of the following at EFGA’s option:
(a) the supply of the goods or services again; or
(b) the payment of the cost of having the goods or services supplied again or repaired.


You agree to indemnify and hold EFGA, its officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries and affiliates, harmless from any demands, loss, liability, claims or expenses (including legal fees), made against EFGA by any third party due to or arising out of or in connection with your use of the website.


Without prejudice to our other rights under these terms of use, if you breach these terms of use in any way, we may take such action as we deem appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.


This website and its Disclaimer shall be governed by and construed in accordance with the laws of Australia. All disputes arising out of or in connection with this Disclaimer shall be submitted to the exclusive jurisdiction of the courts of Australia.


EFGA reserves the right to change the information provided on or via this website, including the terms of this Disclaimer, at any time and without notice. It is recommended that you review the information provided on or via this website, including the terms of this Disclaimer, periodically for changes.