Because the finance industry changes continually, the information contained in the Money101 modules is to be used AS A GUIDE ONLY. While every effort is made to ensure accuracy of information, Money101 – Money for Life Pty Ltd accepts no responsibility for hardship caused by typographical errors, or omissions in the modules. The information is not a substitute for professional advice and Money101 – Money for Life Pty Ltd does not accept any liability, direct or indirect, arising from any person relying either wholly or partially on any information shown in or omitted in the module. This information has been prepared without taking into account your particular financial needs, circumstances and objectives and is therefore not suitable to be acted on as investment advice. You should assess your own financial situation and may wish to consult an adviser before you make any changes to your financial affairs.