Terms of Use

Wealth Gap Advisory is a Corporate Authorised Representative (No. 1320983) of Alethia Partners Pty Ltd (ABN 98 676 423 117), the holder of Australian Financial Services Licence No. 557729. Justin Porrins is an Authorised Representative (No. 250071) of Wealth Gap Advisory.

These Terms apply to use of the Site only. The provision of any financial service or advice by us is governed by a separate written engagement and by our Financial Services Guide.

The information on the Site is general information only. It does not take into account your personal objectives, financial situation or needs. It is not, and must not be relied upon as, personal financial product advice, taxation advice, legal advice, or credit assistance.

Before acting on any information on the Site you should:

• consider whether it is appropriate to your personal circumstances; and
• obtain personal financial advice from a qualified adviser, and where relevant, the Product Disclosure Statement (PDS) and Target Market Determination (TMD) of any financial product you are considering.

Past performance is not a reliable indicator of future performance. All forecasts, projections, opinions and forward-looking statements on the Site are based on assumptions current at the date of publication and may change without notice.

You may use the Site only if you are at least 18 years old and able to form a binding contract under Australian law.

You agree not to:

• use the Site in any way that is unlawful, fraudulent, misleading, deceptive, or harmful;
• access the Site by automated means (including scraping, crawling, or any non-public API) other than as expressly permitted by our robots.txt and llms.txt files;
• attempt to gain unauthorised access to the Site, the servers on which it is hosted, or any system or data connected to it;
• introduce viruses, trojans, worms, logic bombs or any other malicious or harmful material;
• impersonate any person or misrepresent your affiliation with any person or organisation;
• interfere with or disrupt the operation of the Site or the networks that host it;
• attempt to decompile, reverse-engineer or extract the source code of the Site, except to the extent permitted by law; or
• use the Site to send unsolicited communications, including spam.

We may suspend, restrict or terminate your access to the Site at our discretion, with or without notice, if we reasonably believe you have breached these Terms.

The Site and its contents — including text, images, graphics, video, audio, logos, layout, code, structure and design — are owned by or licensed to us and are protected by Australian and international copyright, trade-mark and other intellectual property laws.

"Wealth Gap Advisory", "The Wealth Gap Advisor", "The G.A.P. Method", "Goals · Architecture · Pathway" and the Wealth Gap Advisory logo and chevron device are trade marks of Wealth Gap Advisory Pty Ltd (whether registered or unregistered). No rights are granted to use any of our trade marks without our prior written consent.

You may view, download and print pages or files from the Site for your personal, non-commercial use only, provided you do not remove or alter any copyright, trade-mark or proprietary notices. Any other use — including reproduction, modification, distribution, transmission, republication, public display, framing, or commercial exploitation — is prohibited without our prior written consent.

The Site may contain links to third-party websites, resources, articles or services. We provide these links for convenience only. We do not endorse, approve, monitor or accept responsibility for the content, products, services, privacy practices or availability of any third-party site or resource. Your use of any third-party site is at your own risk and subject to the terms and policies of that site.

The Site may also reproduce or summarise commentary from third-party sources (for example, ASIC, the ATO, the Reserve Bank of Australia, or media organisations) for general information. Where attribution is provided, you should consult the original source for the full and current position.

If you send us any feedback, ideas, suggestions, materials or other information through the Site (including via the booking, contact, or newsletter forms) ("Submissions"), you grant us a perpetual, irrevocable, worldwide, royalty-free, sub-licensable licence to use, copy, store, modify and incorporate the Submissions for any lawful purpose, including improving our services. You warrant that the Submissions are accurate, lawful, do not infringe any third-party rights, and do not contain anyone else's personal information without their consent.

Do not send us confidential or sensitive personal information through the public forms on the Site beyond what is necessary to respond to your enquiry. We handle the personal information you provide in accordance with our Privacy Policy.

We aim to make the Site available 24/7 but do not guarantee uninterrupted availability. The Site may be unavailable from time to time for maintenance, updates, or reasons beyond our control. We may add to, change, suspend or remove any feature or content of the Site at any time without notice.

To the maximum extent permitted by law:

• the Site and all information on it are provided "as is" and "as available", without warranty of any kind, express or implied, including warranties of accuracy, completeness, timeliness, merchantability, fitness for a particular purpose or non-infringement;
• we make no warranty that the Site will be free of viruses, errors or other harmful components;
• we do not warrant the accuracy or reliability of any third-party content accessible via the Site; and
• you use the Site at your own risk.

Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy that applies under the Australian Consumer Law and that cannot lawfully be excluded.

To the maximum extent permitted by law, our total aggregate liability to you arising out of or in connection with your use of the Site is limited to AUD $100.

We are not liable for any indirect, incidental, special, consequential or punitive loss or damage, or for any loss of profit, revenue, business opportunity, data, goodwill or anticipated savings, arising out of or in connection with your use of the Site, even if we have been advised of the possibility of such loss.

Where any consumer guarantee under the Australian Consumer Law applies and cannot be excluded, our liability for breach of that guarantee is limited (where the law permits) to re-supplying the relevant service or paying the cost of having it re-supplied.

You indemnify us and our directors, employees, contractors and authorised representatives against any claim, loss, liability, cost or expense (including legal costs on a solicitor-client basis) arising out of or in connection with:

• your breach of these Terms;
• your misuse of the Site;
• your infringement of any third party's rights through your use of the Site; or
• any Submissions you provide to us via the Site.

Your privacy is important to us. Our Privacy Policy explains how we collect, hold, use and disclose personal information and forms part of these Terms.

Our complaints handling process is set out in our Complaints Policy. If you have a concern about anything we do, please tell us first using the contact details in Section 15 so we have the chance to address it.

These Terms are governed by the laws of Western Australia, Australia. You and we submit to the non-exclusive jurisdiction of the courts of Western Australia and the courts of appeal from them.

We may update these Terms at any time by posting the revised version on the Site. The "Last updated" date at the top indicates when the current version was published. By continuing to use the Site after a change, you accept the revised Terms. If you do not agree to a change, you must stop using the Site.

Wealth Gap Advisory Pty Ltd
384 Rokeby Road, Subiaco WA 6008
Email: hello@thewealthgap.com.au

If any part of these Terms is held to be invalid or unenforceable, that part is severed and the remainder continues in full force. These Terms (together with our Privacy Policy, FSG and any written engagement) record the entire agreement between you and us in relation to your use of the Site, and supersede any prior representation, understanding or agreement.