This “General Advice Disclaimer” is issued by WealthCircles Financial Pty Ltd (ABN 58 601 782 236) (“WealthCircles), corporate authorised representative of AVALONFS Pty Ltd, holder of Australian Financial Services License No 437518.  The financial investment information provided on this website, or via any correspondance from WealthCirles, is provided without regard to any investor’s individual objectives, financial situation or needs.  It is not specific advice for any particular investor and is not intended to be passed on or relied upon by any person.  Before making any decision about the general advice provided, you should consider the appropriateness of the general advice presented, having regard to your objectives, financial situation and needs. Any indicative information and assumptions used may change without notice to you, particularly if based on past performance.  Further, you should read the Product Disclosure Statements relative to each investment discussed with this general advice before a decision is made.

In making your decision to implement an investment strategy with WealthCircles Financial Pty Ltd, you are confirming the following:

• You confirm that only “General Advice” was sought from WealthCircles Financial and its representatives in relation to arranging the implementation of the general financial advice on your behalf.
• You confirm the advice provided to you was “General Advice” only and you confirm no recommendation or personal advice was provided by WealthCircles Financial or its representatives. At no time will WealthCircles Financial recommended or infer that the financial product may be appropriate for you, or that they we (WealthCircles) have considered your personal objectives, financial situation and needs.  
• You confirm no personal financial advice was sought from WealthCircles Financial Pty Ltd or its Representatives in relation to arranging the implementation of any investment strategy on your behalf.
• You confirm that you will NOT provide WealhCircles Financial with any information about your personal financial circumstances, and understand that any recommended investments may not be suitable for you. 

• You understand that any proposed investments may not be suitable for you and you understand, before acting on any information provided you will consider the appropriateness of the investment advice to your personal circumstances including by reference to your financial circumstances, needs and objectives.  
• You understand that by not seeking personal financial planning advice from other professional 3rd parties regarding any recommended investment, you risk making a decision which may not be suitable for your financial needs.  
• You confirm that all examples and illustrations used (if applicable) were for educational purposes only and that these examples and illustrations were not used in any way to influence your decision.
• You understand and accept full responsibility for your decision to invest with WealthCircles Financial and their recommended investment strategy.
• You understand and accept that WealthCircles Financial accepts no responsibility for the quality and/or likely future performance of the proposed financial products or investments.  
• You have read and understand the fee structures in place with WealthCircles Financial Pty Ltd as a representative of AVALONFS Pty Ltd, as outlined within the Financial Services Guide (FSG).
• You agree that WealthCircles Financial may collect, use and store your personal information for the purpose of processing your Application, managing the investments and complying with the relevant laws in accordance with the WealthCircles Financial Privacy Policy, a copy of which can be found on this website. Such information may include but is not limited to Tax File Numbers (“TFNs”), Bank Account details, Drivers’ License and Passport information.