Terms and Conditions

Terms and Conditions

This website is operated by TIME Partners (the “Practice”). Any use of “we”, “our” or “us” refers to the Practice. We are an authorised representative and credit representative of Charter Financial Planning Limited ABN 35 002 976 294, AFSL 234 665, an Australian financial services licensee (the “Licensee”), as shown in our Financial Services and Credit Guide. The Licensee is a member of the AMP group of companies (referred to collectively as “AMP”).

Your access to this website is subject to these terms and conditions, the AMP Privacy Policy, notices, disclaimers and any other terms and conditions or other statements contained on this website (referred to collectively as “Terms and Conditions“). By using this website you agree to be subject to the Terms and Conditions.


Access for persons from within Australia only

This website is only for the use of persons accessing the website from within Australia. The products and services described in this website are only available to persons accessing the website from within Australia.


No investment advice provided to you

Unless otherwise expressly stated to the contrary, this website is not designed for the purpose of providing personal financial or investment advice. Information provided does not take into account your particular investment objectives, financial situation or investment needs.

You should assess whether the information on this website is appropriate to your particular investment objectives, financial situation and investment needs. You should do this before making an investment decision on the basis of the information on this website. You can either make this assessment yourself or seek the assistance of any adviser.

Unless otherwise expressly stated to the contrary, the information on this website is not a recommendation to invest in any investments, securities or financial products offered by any product issuer, including AMP.


Third party offers and links to other websites

This website may contain references to other special offers or promotions by third parties and may contain links to other websites or pages of third parties. Such links are provided for convenience and information purposes only. References have not been verified, neither the Practice or AMP are responsible for the content of any other websites or pages linked to or linking to this website. Neither the Practice or AMP endorse, approve or recommend the operators of those websites or the content of those websites.

Subject to any applicable law which cannot be excluded, neither the Practice or AMP make warranties or representations regarding the quality, accuracy, merchantability or fitness for purpose of the goods or services available from these persons. Your obtaining of goods or services from these persons is at your own risk. You indemnify us and AMP against all liability, loss, damage, cost and expense arising from or relating to your obtaining goods or services from a third party referred to in this website.

You may not use this website or provide a link to this website on another website (the “Site”), where the use:

  1. contains any material that is offensive or distasteful;
  2. contravenes any law;
  3. disparages or adversely affects our or AMP’s brand or reputation or the goods and services that we or AMP offer;
  4. makes any representations about us or AMP or the goods or services we or AMP provide, including any representations of any endorsement, sponsorship, affiliation or approval of you or the Site by us or AMP;
  5. passes off our or AMP’s documents or information as your own.

Following links to any other websites or pages or linking this website to another Site is entirely at your own risk and neither the Practice or AMP shall be responsible or liable for any losses, damages or expenses arising in connection with such linking.


Investment performance

Unless otherwise stated to the contrary, neither the Practice or AMP guarantee any particular rate or return, the performance of any investment or the repayment of capital from any investment. Investment is subject to investment and other risks. Possible risks could include delays in repayment and loss of income or capital invested.


Disclaimer and limitation of liability

To the maximum extent permitted by law, the Practice and/or AMP will not be liable in any way for any loss or damage suffered by you through use or access to this website, or our failure to provide this website. Liability for negligence, breach of contract or contravention of any law as a result of our failure to provide this website or any part of it, or for any problems with this website, which cannot be lawfully excluded, is limited, at our and AMP’s option and to the maximum extent permitted by law, to resupplying this website or any part of it to you, or to paying for the resupply of this website or any part of it to you.


General conditions

These Terms and Conditions are governed by the law in force in the State of New South Wales, and the parties irrevocably submit to the non-exclusive jurisdiction of the courts of New South Wales and courts of appeal from them for determining any dispute concerning the Terms and Conditions.

These Terms and Condition can be modified at any time by us or AMP and you agree to continue to be bound by these Terms and Conditions as modified. The Practice or AMP will give you notice of these changes by publishing revised Terms and Conditions on this website – we will not separately notify you of these changes.

If the whole or any part of a provision of these Terms and Conditions are void, unenforceable or illegal in a jurisdiction it is severed for that jurisdiction. The remainder of the Terms and Conditions have full force and effect and the validity or enforceability of that provision in any other jurisdiction is not affected. This clause has no effect if the severance alters the basic nature of the Terms and Conditions or is contrary to public policy.



Except where necessary for viewing the information on this website on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms and Conditions, no information on this website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without our specific written consent, or, in the case of third party material, from the owner of the copyright in that material.