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Sample disclaimers:
“Please note that whilst I can provide you with factual information, tax advice and compliance advice, being exempt services under the Corporations Act Regulations, I am not licensed to provide you with financial product advice. You should therefore consider obtaining independent advice that considers your personal situation and objectives before making financial decisions. In particular:
Factual information
I am able to provide you with factual information as information only which, as such, does not constitute advice and should not be relied upon as financial product advice. This information is purely factual and doesn’t take into account your personal objectives, situation or needs. You should rely on external sources to validate this information and must determine whether the information is appropriate for your particular circumstances before making a decision. For financial product advice that takes account of your objectives, financial situation or needs, you should seek financial advice from an Australian Financial Services license holder before making a decision.
Tax Advice (written disclaimer as per reg 7.1.29(4))
The tax advice I provide you with is an exempt service under the Corporations Act. I am not licensed to provide you with financial product advice and tax is only one of the matters that must be considered when making a decision on a financial product so you should consider taking advice from the holder of an Australian Financial Services Licensee before making a decision on a financial product.
Superannuation compliance
As well as providing factual information, explaining superannuation rules and the tax treatment of your options, I am able to make recommendations about maintaining fund compliance. I am, however, not able to provide recommendations about your decisions to start, cancel or change specific financial products.
Referrals
I will not provide you with financial product advice that requires a license however I can provide you with details of an Australian Financial Services License holder who is able to provide you with financial product advice and other services that may be appropriate to your needs. I am not a representative of any AFSL holder I refer you to. Should I receive any benefits in respect of a referral then I will disclose this to you.”