If you use this website you accept the conditions that are set out below and that apply in relation to its use. Please read them carefully.

1. Licence

   1. Naos Asset Management Ltd (we or us or our), holder of an Australian financial services licence no. 273529 owns or controls the copyright in the website and all of its content. We reserve our rights in it. No part of any material may be reproduced or provided to any person, in any form and by any means, without our written permission.
   2. We grant you a limited licence in relation to the contents of the website (including, without limitation, the text, registration facilities, hyperlinks and the underlying HTML or XML). You may only do each of the following: display it on your computer, print it, download it.

2. No alteration

   1. You are not allowed to do anything which alters the website, or interferes with or affects its working.  This includes removing anything from it, adding anything to it, linking it to or from another website, and distributing any part of it to anyone else.

3. Links to website

   1. This website may contain links to third party web sites.  We make no representation as to the contents of any third party website.
   2. You must first obtain our written consent if you wish to create a link to or from our website, or any part of our website.

4. Disclaimer

   1. We make no representation or warranty with respect to any of the following:
      1. That you will have uninterrupted or error-free access to, and use of, the website.
      2. That the website or any files available for downloading will be error-free or free from viruses, faults or defects.
      3. That the contents of the website (including the text, registration facilities, hyperlinks, and the underlying HTML or XML) are accurate, complete, or suitable for a particular purpose. You must rely on your own judgment in relation to any matter of that type.

5. Access for persons from within Australia only

   1. This website is only for the use of persons accessing this website from within Australia. The products and services offered by NAOS Asset Management Limited are intended only for Australian residents or citizens who are currently located in Australia only. It does not constitute an offer or solicitation and may not be treated as an offer or solicitation in any jurisdiction where such an offer or solicitation is against the law or to anyone to whom it is unlawful to make such an offer or solicitation. By accessing and using this website, you confirm that you are an Australian resident or citizen who is currently located in Australia only.

6. General Information

   1. The material on the website provides general information only. It is not intended as advice and must not be relied upon as such. The information on this website does not take into account your investment objectives, financial situation or needs. Before you invest, you should consider the suitability of the particular fund for you and, and consider seeking appropriate advice (from your financial adviser and/or taxation adviser) before making an investment decision.
   2. Neither Naos nor any of its associates guarantees that you will earn any return on your investment or that your investment will gain or retain its value. Investments in the funds are subject to investment risk, including possible delays in repayment and loss of income or capital invested.
   3. Any person who gives another person access to the application form must at the same time and by the same means give the other person access to the relevant product disclosure statement (PDS) and any supplementary PDS.

7. Exclusion of liability

   1. To the maximum extent the law allows:
      1. we exclude every warranty or condition of any kind that might otherwise apply in relation to the website, its content and its useability.
      2. we are not liable, and each of our officers, employees and agents is not liable, for any liability, loss, damage or expense you incur or suffer that arises out of your use of (or reliance on) any of the content of the website or your inability to use it.
      This applies even if we have been informed that the liability, loss, damage or expense will or may result.

8. Limitation of liability for implied warranties

   1. In the case of an implied warranty that cannot be excluded by law, our liability is limited, in cases where the law allows it, to any one or more of the following, at our option:
      1. in the case of goods.
         • the replacement of the goods or the supply of equivalent goods.
         • the repair of the goods.
         • the payment of the cost of replacing the goods or of acquiring equivalent goods.
         • the payment of the cost of having the goods repaired.
      2. in the case of in the case of services.
         • the resupply of the services.
         • the payment of the cost of having the services resupplied.

9. Alteration to content

   1. We are entitled to alter any of the content of the website at any time. However, we are not under any duty to do so.

10. Trade marks

    1. We own the Naos trademark. No permission is given for their reproduction or publication, except to the extent allowed by this limited licence.

11. Severability

    1. If a clause or part of a clause can be read in a way that makes it illegal, unenforceable or invalid, but can also be read in a way that makes it legal, enforceable and valid, it must be read in the latter way. If any clause or part of a clause is illegal, unenforceable or invalid, that clause or part is to be treated as removed from this document, but the rest of this document is not affected.

12. Variation of conditions of use of website

13. We reserve the right to vary these conditions from time to time. The latest conditions will always be made freely available to users at www.naos.com.au

    1. The fact that Naos fails to do, or delays in doing, something Naos is entitled to do under these terms and conditions, does not amount to a waiver of any obligation of, or breach of obligation by Naos.

14. Time of receipt of e-mails

    1. An e-mail is to be treated as having been received at the time it entered the information system of the addressee in an openable and readable form. Receipt may be proved by an electronic or paper record of that event.

15. Governing law

    These terms and conditions are governed by the law of New South Wales.