Below are the third party terms and conditions of our data providers. They form part of the agreement we have with our customers.

Rice Warner Actuaries third party terms and conditions

The below text should be included in any output produced by AdviceOS or Reasonable basis that uses Rice Warner data.

Rice Warner provides the insurance premium and product features data underlying this tool but is not responsible for the manner in which it is presented to users in the tool itself. Rice Warner obtains information and data from risk insurance providers and, after undertaking reasonable verification procedures and enquiries, relies on the accuracy, comprehensiveness and currency of that information and data. Rice Warner discovers or is notified that any such information or data is inaccurate, incorrect or out of date, RICE WARNER will take reasonable steps to correct such information or data. Rice Warner takes no responsibility for any advice that may be provided by users of the tool, whether or not that advice was based on risk insurance data or information provided by Rice Warner.

Australian Stock Exchange(ASX) Data Disclaimer

Where users access and utilise ASX data through AdviceOS on screen and in any reports created, the following disclaimer applies:

Some of this material is copyright and is reproduced under licence by Australian Stock Exchange Limited, ACN 008 624 691. Australian Stock Exchange Limited, its related companies and their officers employees are not associated with, and should not be construed as endorsing, promoting or expressing any opinion about, nor be under any liability for any loss arising in connection with, Midwinter Financial Services Pty Limited (ACN 121 020 620)(Midwinter), the contents of the internet site known as AdviceOS (or the contents of any other site to which one can link from AdviceOS) or any of Midwinter’s products or services.

Australian Stock Exchange Limited, its related companies, their officers and employees shall not be liable in any way for any loss or damage, howsoever arising (whether in negligence or otherwise) out of or in connection with the contents of and/or any omissions from this communication except where a liability is made non-excludable by legislation.

Morningstar Australasia Pty Ltd third party terms and conditions

Where Morningstar data, reports or other information is extracted from AdviceOS by the customer or  user,  the following attribution/disclaimer must be included:

© 2011 Morningstar, Inc. All rights reserved. The data and content contained herein are not guaranteed to be accurate, complete or timely. Neither Morningstar, nor its affiliates nor their content providers will have any liability for use or distribution of any of this information. To the extent that any of the content above constitutes advice, it is general advice that has been prepared by Morningstar Australasia Pty Ltd ABN: 95 090 665 544, AFSL: 240892 (a subsidiary of Morningstar, Inc.), without reference to your objectives, financial situation or needs. Before acting on any advice, you should consider the appropriateness of the advice and we recommend you obtain financial, legal and taxation advice before making any financial investment decision. If applicable investors should obtain the relevant product disclosure statement and consider it before making any decision to invest. Some material is copyright and published under licence from ASX Operations Pty Limited ACN 004 523 782 (“ASXO”). DISCLOSURE: Employees may have an interest in the securities discussed in this report. Please refer to our Financial Services Guide (FSG) for more information at 

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