Terms of Use

1. Acceptance of Terms

By accessing or using the Virex Wealth Management website at virexgroup.com (the "Website"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Website. These Terms apply to all visitors, users, and others who access or use the Website.

These Terms should be read in conjunction with our Privacy Policy, Cookie Policy, Investment Disclaimer, and Risk Disclosure Statement, all of which are incorporated by reference.

2. About Virex Wealth Management

The Website is operated by Virex Wealth Management Pty Ltd (ABN 43 990 112 973, AFSL 177602), a company incorporated in Australia and licensed by the Australian Securities and Investments Commission (ASIC) to provide financial services. Our registered office is at 100 Capital Circuit, Barton ACT 2600, Australia.

3. Nature of Website Content

The content on this Website is provided for general information purposes only. It does not constitute financial product advice, investment advice, legal advice, tax advice, or any other form of professional advice. The information on this Website:

• Is general in nature and does not take into account your personal financial situation, objectives, or needs
• Should not be relied upon as the basis for any investment decision
• May not be current or accurate at the time of reading
• Does not constitute an offer or solicitation to buy or sell any financial product
• Is not directed at any person in any jurisdiction where such distribution would be contrary to local law

Before making any financial decision, you should obtain appropriate professional advice tailored to your specific circumstances.

4. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of Virex Wealth Management Pty Ltd or its content suppliers and is protected by Australian and international copyright laws. The compilation of all content on this Website is the exclusive property of Virex Wealth Management Pty Ltd.

You may access and use the Website for personal, non-commercial purposes only. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website without our prior written consent, except as follows:

• Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials
• You may store files that are automatically cached by your web browser for display enhancement purposes
• You may print or download one copy of a reasonable number of pages of the Website for your own personal, non-commercial use

5. Prohibited Uses

You may use the Website only for lawful purposes and in accordance with these Terms. You agree not to use the Website:

• In any way that violates any applicable federal, state, local, or international law or regulation
• To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material
• To impersonate or attempt to impersonate Virex Wealth Management, a Virex employee, another user, or any other person or entity
• To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Website
• To attempt to gain unauthorised access to, interfere with, damage, or disrupt any parts of the Website or any server, computer, or database connected to the Website
• To introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful

6. Links to Third-Party Websites

The Website may contain links to third-party websites or services that are not owned or controlled by Virex Wealth Management. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We strongly advise you to read the terms and conditions and privacy policy of any third-party website that you visit.

7. Disclaimer of Warranties

The Website is provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. To the fullest extent permitted by law, Virex Wealth Management disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components, or that defects will be corrected. We do not warrant the accuracy, completeness, or usefulness of any information on the Website.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Virex Wealth Management Pty Ltd, its directors, officers, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of (or inability to access or use) the Website or any content on the Website.

Nothing in these Terms limits or excludes any liability that cannot be limited or excluded under applicable law, including liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under the Australian Consumer Law.

9. Indemnification

You agree to defend, indemnify, and hold harmless Virex Wealth Management Pty Ltd and its directors, officers, employees, contractors, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to your violation of these Terms or your use of the Website.

10. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Australian Capital Territory, Australia, without regard to its conflict of law provisions. Any dispute arising from or relating to these Terms or the Website shall be subject to the exclusive jurisdiction of the courts of the Australian Capital Territory, Australia.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Website after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.

12. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid, illegal, or unenforceable provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable.

13. Entire Agreement

These Terms, together with our Privacy Policy, Cookie Policy, Investment Disclaimer, and Risk Disclosure Statement, constitute the entire agreement between you and Virex Wealth Management regarding your use of the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.

14. Contact Us

If you have any questions about these Terms of Use, please contact us at:
Virex Wealth Management Pty Ltd
100 Capital Circuit, Barton ACT 2600, Australia
Email: info@virexgroup.com
Phone: +61 468 040 079