Investment Disclaimer

1. Nature of Information

Virex Wealth Management Pty Ltd (ABN 43 990 112 973, AFSL 177602) ("Virex") provides this website and its content for general information purposes only. The information contained on this website:

• Does not constitute financial product advice within the meaning of the Corporations Act 2001 (Cth)
• Does not constitute a recommendation to acquire, hold, or dispose of any financial product
• Does not constitute an offer or invitation to subscribe for or purchase any financial product
• Has not been prepared taking into account your individual investment objectives, financial situation, or particular needs
• Is not a substitute for obtaining professional financial, legal, or tax advice tailored to your specific circumstances

2. No Financial Product Advice

Nothing on this website constitutes personal financial product advice. Virex Wealth Management is licensed under AFSL 177602 to provide financial services, but the provision of financial product advice to retail and wholesale clients occurs only through formal engagement under a Financial Services Agreement and the provision of a Statement of Advice (SOA) or Record of Advice (ROA) as required by law.

Any general information provided on this website about investment strategies, asset classes, or market conditions is educational in nature and should not be relied upon as the basis for any investment decision.

3. Past Performance Disclaimer

Any references to past performance on this website are for illustrative purposes only. Past performance is not a reliable indicator of future performance. The value of investments and the income derived from them can go down as well as up. Investors may not recover the full amount of their original investment.

Any performance figures, returns, or projections mentioned on this website are illustrative only and do not represent actual returns achieved by any client or portfolio. Actual results will vary depending on individual circumstances, market conditions, fees, and other factors.

4. Forward-Looking Statements

This website may contain forward-looking statements, including statements about market outlooks, economic forecasts, and investment strategies. These statements are based on current expectations and assumptions and are subject to significant risks and uncertainties. Actual results may differ materially from those expressed or implied in any forward-looking statement. Virex Wealth Management does not undertake any obligation to update forward-looking statements.

5. Market Information

Any market data, economic information, or financial statistics provided on this website are sourced from third parties and are believed to be reliable at the time of publication. However, Virex Wealth Management does not warrant the accuracy, completeness, or timeliness of such information and accepts no liability for any errors or omissions. Market conditions can change rapidly, and information may become outdated.

6. Not Legal or Tax Advice

Nothing on this website constitutes legal advice or tax advice. The legal and tax implications of any investment strategy depend on individual circumstances and the laws of the relevant jurisdiction. Tax laws are complex and subject to change. You should seek independent legal and tax advice before making any investment decision that may have legal or tax implications.

7. Jurisdiction Disclaimer

The information on this website is directed at persons in Australia and other jurisdictions where Virex Wealth Management is authorised to provide financial services. It is not directed at any person in any jurisdiction where the publication or availability of such information would be contrary to local law or regulation. Persons accessing this website from outside Australia are responsible for ensuring compliance with the laws of their jurisdiction.

In particular, the information on this website is not directed at persons in the United States of America and does not constitute an offer of securities or financial services in the United States.

8. Third-Party Information

This website may contain links to or information from third-party sources. Virex Wealth Management does not endorse, warrant, or accept responsibility for the content of any third-party website or information. The inclusion of any link does not imply endorsement by Virex Wealth Management of the linked website or its content.

9. Limitation of Liability

To the maximum extent permitted by law, Virex Wealth Management, its directors, officers, employees, and agents exclude all liability for any loss or damage (including direct, indirect, consequential, or incidental loss) arising from reliance on information contained on this website. This exclusion applies regardless of whether such liability arises in contract, tort (including negligence), equity, or otherwise.

Nothing in this disclaimer limits or excludes any liability that cannot be excluded under the Australian Consumer Law or other applicable legislation.

10. Financial Services Guide

Virex Wealth Management is required to provide a Financial Services Guide (FSG) to retail clients before providing financial services. The FSG contains important information about our services, fees, and how we handle complaints. Please contact us to request a copy of our current FSG.

11. Complaints and Disputes

If you have a complaint about our services or the information on this website, please contact us in the first instance at info@virexgroup.com. If your complaint is not resolved to your satisfaction, you may contact the Australian Financial Complaints Authority (AFCA) at www.afca.org.au or by calling 1800 931 678.

12. Updates

This Investment Disclaimer may be updated from time to time. The date of the most recent update is shown at the top of this page. We encourage you to review this disclaimer periodically.