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    The information provided at this free seminar is general advice only. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on this information you should consider its appropriateness, having regard to your own objectives, financial situation and needs, and taking independent financial and legal advice as may be appropriate. If any products are detailed on this seminar, you should obtain a Product Disclosure Statement relating to the products and consider its contents before making any decisions. Where quoted, past performance is not indicative of future performance. Investors Advisors pty ltd disclaim all and any guarantees, undertakings and warranties, expressed or implied, and shall not be liable for any loss or damage whatsoever (including human or computer error, negligent or otherwise, or incidental or consequential loss or damage) arising out of or in connection with any use or reliance on the information or advice on this seminar. The information at this seminar is not a substitute for seeking your own legal and financial advice.