Important Information

Currency and accuracy of Information

While the companies in the MLC Group have taken all reasonable care in producing the information on this site, subsequent changes in circumstances may occur at any time and may impact on the accuracy of the information. No company in the MLC Group or any member of the National group of companies or their directors or employees give any warranty, or make any representation that the information in this site is free from errors or omissions or is suitable for your intended use. Subject to any terms implied by law and which cannot be excluded, no company in the MLC Group or any member of the National group of companies or their directors or employees accepts responsibility for any loss damage cost or expense (whether direct or indirect) incurred by you as a result of any error omission or misrepresentation in any information on this site.

Applications from Australian Residents only

Unless specifically stated otherwise, this material is only prepared for residents of Australia. Applications to invest or for any insurance product will only be accepted from Australian residents. This notice and the information on this site and all matters relating to it either are governed by and are to be construed according to the laws applicable in the Commonwealth of Australia (including state law) ("Australian law"). The information may not satisfy the laws of any other country. It is not directed at people in any other country and should not be relied on by people in any country other than Australia.

Purpose of information

The information on this site has been published as an information service. The information contains general information only and does not take into account any investor's particular circumstances and needs. Each investor should assess, or seek professional advice on, whether the information is appropriate for his or her particular needs, financial situation and investment objectives before acting on it.

Availability of site

The MLC Group will use best efforts to provide access to this site on a 24 hour basis. However, there may be an interruption to the service to facilitate the site's maintenance or for any other reasons. The MLC Group will not be liable to any person for interruptions to the service for any reason.

Copyright and Trade Marks

© Copyright MLC Limited (ABN 90 000 000 402) or one of its related companies. 'MLC', the MLC Nest Egg and 'MasterKey' are trademarks of MLC Holdings Limited (ABN 32 003 113 068) (AFSL 230705). 'MLC' is registered in Australia and USA and applications to register the MLC Nest Egg and 'MasterKey' have been or will be made in Australia, USA, New Zealand and the United Kingdom.

Members of the MLC Group

MLC Holdings Limited (ABN 32 003 113 068) (AFSL 230705), MLC Limited (ABN 90 000 000 402) (AFSL 230705), MLC Lifetime Company Limited (ABN 94 000 000 420) (AFSL 230705) and MLC Investments Limited (ABN 30 002 641 661) (AFSL 230705) are members of the MLC Group, 105-153 Miller Street, North Sydney, NSW 2060, Australia and member companies of the National group of companies.

MLC Limited and MLC Lifetime Company Limited are life insurance companies registered under the Life Insurance Act 1995.

MLC Investments Limited is a licensed dealer in securities.

All of these companies are ultimately owned by the National Australia Bank Limited (ABN 12 004 044 937) (AFSL 230705).

Applications to invest in trusts

Applications for investments in any trust managed by MLC Investments Limited can only be made by Australian residents. A copy of the product disclosure statement is available from MLC. MLC Investments Limited is entitled to a fee as manager of the Trust. Past performance is not indicative of future performance. The future value of investments may rise and fall with changes in the market.

No investment guarantee

An investment with MLC does not represent an investment or deposit with, or liability of the National Australia Bank Limited or other member company of the National group of companies and is subject to investment risk including possible delays in repayment and loss of income and capital invested. None of the National Australia Bank Limited, or other companies in the National group of companies or appointed investment managers guarantees the repayment of capital, the payment of income or any particular rate of return, unless specifically stated in a current product disclosure statement.

Third party information

The MLC Group relies on third parties to provide certain information on this site and is not responsible for its accuracy. The MLC Group is not liable for any loss arising from any person relying on, either wholly or partially, information provided by third parties.