Security & Privacy

Time Advice Pty Ltd. ABN 53 148 173 746 trading as Time Advice Financial ("Time Advice") is an authorised representative of Financial Wisdom Limited ABN 70 006 646 108 AFSL 231138. Financial Wisdom is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia.  As part of our continuing commitment to client service, the maintenance of client confidentiality and as required by law, Financial Wisdom Limited complies with the Privacy Act 1988 and as a member of the Commonwealth Bank Group of companies conforms with the Group’s Privacy Policy. For further details please refer to the Group's Privacy Policy.

Acceptance and changes to terms and conditions

Your use of this website constitutes your acceptance and agreement to these terms and conditions and the privacy and security statement. These are the current terms and conditions. Time Advice may at any time vary these terms and conditions by publishing the varied terms and conditions on Time Advice's website. You accept that by doing this, Time Advice has provided you with sufficient notice of the variation. Time Advice reserves any rights not expressly granted in these terms and conditions.

Similarly, Commonwealth Bank of Australia may at any time vary the Group Privacy Policy by publishing the varied policy on its website. You accept that by doing this, Commonwealth Bank of Australia has provided you with sufficient notice of the variation.

Access for persons from Australia only 
Financial Wisdom is not authorised to carry on business in any jurisdiction other than Australia. As a consequence, Time Advice is only authorised to provide financial advice and services in Australia. Accordingly, the information on this website is directed to and available for Australian residents only.

General information only
The information on this website is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. It should not be construed as financial, taxation or legal advice. Before acting on the basis of this information, you should consider its appropriateness to your own objectives, financial situation and needs. You should also obtain and read a copy of the relevant Product Disclosure Statement before making any decision to acquire a financial product.

Accuracy of information, Website performance and limitation of liability
Time Advice does not warrant the accuracy, completeness or currency of information made available through this website. Time Advice and its employees, agents and authorised representatives, will not be liable for or in connection with any loss or damage (including indirect, special or consequential loss or damage) arising from any inaccuracies, errors or omissions in information made available through this website.  However, Time Advice will endeavour to ensure that information is updated as soon as practicable when it becomes aware that material changes have occurred.

Time Advice makes no warranty that the use or operation of this website will be uninterrupted or error-free or that this website is suitable for any particular purpose or has any performance, functionality or security features except as Time Advice is required to provide by law. To the extent permitted by law, Time Advice liability is limited to resupplying the services accessible through this website.

Links to other websites
This website may have links to other websites, which are operated by third parties. These links are provided for your convenience and Time Advice does not endorse or approve the information, graphics and materials that may be contained on those websites. Furthermore, Time Advice does not make any warranties or representations regarding the accuracy, quality or timeliness of such third-party information. Time Advice recommends that you do not act on the information contained within these websites without obtaining financial advice.

Jurisdiction
Users of this website understand and agree that all disputes will be governed by and construed in accordance with the laws of the state of Victoria Australia, and all users and Time Advice submit to the non-exclusive jurisdiction of the courts of that state.

Copyright
Time Advice and related logos are trademarks registered in Australia. Copyright in the information provided on, and available from, this website is owned by Time Advice unless specified otherwise in which case it has been reproduced with the consent of the copyright owner. You may not alter or modify this information in any way. This information may be viewed online and may be reproduced in hard copy only for your personal reference.

You may only use the trade marks and copyright material on this website with Time Advice's express permission and in accordance with Time Advice's directions from time to time. The use of, and creation of links to, this website (including use of Time Advice's trade marks and copyright material) are at the risk of the user and are subject to Time Advice's rights and the user’s general legal obligations. Time Advice make no warranty and accept no liability in relation to use of the trademarks outside Australia. For further information about creating links to this website and about using Time Advice's trademarks and other material, contact us on 1300 66 87 86.

Andy Gowers

Stop what you’re doing and take a moment.

Imagine what it would be like to not have to think about your finances. Take a half-hour coffee break with our Founder and Director, Andy Gowers to discuss how you can live the life you want.

We’ll do the hard work for you, but it starts with a conversation.