Terms of Use and Disclaimer

By using this website, you agree to follow these Terms of Use. Please note that if you don’t agree with these terms, you shouldn’t use the site. Any disputes related to this website will be governed by the laws of Western Australia and Australia. Using the Content You can temporarily view and download information or software from this website for personal viewing only. This is like a permission slip, not a transfer of ownership. But remember, you can’t: - Change or copy the content. - Use the content for business purposes or show it in public without asking us first. - Try to figure out the inner workings of the software on this site. - Remove any copyright notices. - Give the content to someone else or put it on another server. - This permission will end if you break any of these rules, or we decide to end it. When it’s over, you need to delete any downloaded content you have. Disclaimer The content on this site is provided as-is. We don’t make any promises, and we’re not responsible for any other warranties. We can’t guarantee accuracy, results, or reliability of the content. This includes content on linked sites. Limits We and our suppliers won’t be responsible for any damages caused by using this website. Even if we were warned about possible issues, we can’t be held liable. Laws in some places might not allow these limits, so they might not apply to you. Changes and Errors We try to make sure everything’s accurate, but there might be errors on this site. We can change the content anytime without notice, but we don’t have to. Links We haven’t checked every linked page or site, so we’re not responsible for what’s on them. Online Etiquette Please be respectful when posting on forums or other online spaces. Don’t impersonate others or try to damage computer systems. Using the Website While using this website, you may not: - Share harmful or offensive content. - Share content with viruses or harmful software. - Use copyrighted content without permission. - Share parts of the website itself without permission. The Website Terms above apply to use of this website only. They do not replace the separate engagement terms below, which govern an engagement only when agreed with a client.

All of our client engagements are subject to the following terms and conditions.

The best financial advice provides you with knowledge, confidence and results. It is professional trusted support. We are committed to meeting the highest professional standards. We hold our Australian Financial Services license through Boutique Advisers Pty Ltd AFSL 554650 and meet the professional standards of the Financial Advice Association Australia (FAAA). We comply with the Financial Planners and Advisers Code of Ethics 2019. These standards require us to always act honestly and with integrity, provide financial advice which is in your best interests and to prioritise your interests ahead of ours. Lumion Private Wealth is an independent financial advice practice. We are privately owned with no ownership or licensing ties to product providers. Our income only comes from the fees paid by our clients for our services. This provides you with confidence that we will act in your interests.

We provide services on an annual engagement basis. This means we engage with our clients to provide services over 12-month periods. At the commencement of each period, we will document the services that we will provide to you over the coming year and the fees you will pay. It is always your choice whether you re-engage us at the end of each 12-month period. We will only commence a new annual engagement where you have notified us of your decision in writing.

We recognise the importance of protecting the confidentiality of your personal information. We always comply with the Australian Privacy Act. We also require our service providers which hold your personal information to always comply with the Australian Privacy Act. Our Privacy Policy sets out how we collect, hold, use and disclose your personal information. It is available on our website, or you can request it from us at any time. If you engage our services, you consent to us: Collecting and retaining your tax file number on our files so that we can assist you to complete account opening forms and other forms where your TFN may be required. You are always able to request that we no longer hold your TFN. For security purposes, we will also remove your TFN from our files if we no longer need to hold it. Using Microsoft Teams to record the meetings that we hold with you and software such as Microsoft Copilot and Faybl to prepare a summary of those meetings. Sharing your information with external businesses that support us in providing services to you. This includes service provider that we engage in the Philippines to provide us with administration and paraplanning support. Sharing your information with external businesses that support us in providing services to you. This includes the Xplan and Xeppo financial planning software that we use. Storing your information on external servers and data storage facilities, some of which may be based outside Australia. This includes the use of Microsoft 365. Disclosing your information where required by Australian law or regulations. We are legally required to retain all documents and supporting working papers for seven years after we cease to provide services to you. We will share information on all matters with your spouse/partner unless you instruct us otherwise.

We endeavour to provide you with the best advice and service at all times. If you are not satisfied with our services, then we encourage you to contact us. You can call us or put your complaint in writing to our office. If you are not satisfied with our response, then you can refer it to the Australian Financial Complaints Authority (AFCA). You can contact AFCA on 1800 931 678 or via their website www.afca.org.au. This service is provided to you free of charge. This service is not available to wholesale clients (sophisticated investors). We hold professional indemnity insurance for the financial advice services that we provide.

We do not guarantee the performance of any investment. You should understand that all investments apart from cash can lose significant value in a short period of time. Our advice will be based on the laws relating to tax and superannuation at the time of the advice. You should understand that laws can and do change often and consideration of these changes is a benefit of continuing to engage our services.

You may require a lawyer to assist you with estate planning or an accountant to assist you with more complex tax planning. We will work with the other professionals that you have engaged, or we can refer you to professionals that we trust. We will always be clear about who is responsible for the advice to you. We will always seek your consent before sharing information with other professionals.

We will only act under your instruction. We will not act with discretion on any matter. You may instruct us over the phone, via email and in writing. In some cases, we may require you to put your instructions in an email or in writing. Where an agreement is made with a couple, we will require both of you to sign initial and annual engagement documents.

Our advice will be tailored to your financial situation. We rely on you to provide us with complete and accurate information. Please ensure you promptly inform us of any significant changes in your financial situation. We will provide you with disclosure documents which explain our advice and the financial products which we recommend. It is your responsibility to read and understand these documents. If you have any concerns or questions, you can always contact us.

We provide our services under an annual advice agreement which if not renewed by the renewal date will automatically cease as required by law. Should you wish to cease our services prior to expiry of the annual advice agreement we will require 60 days' notice. Within these 60 days, we will assist you to transition any investments held in the Lumion Separately Managed Accounts (SMA's) with your relevant platform provider from the institutional pricing to the retail equivalent. Should any of the funds not be available we will provide a comparable fund under a Record of Advice.

We may assign our agreement with you to a third party where we sell all or part of our practice. This will include transfer of all client files including your confidential information. In this situation, we would provide you with one months' notice, and you would always have the right to opt-out of the arrangement with the new provider as per this agreement.

Lumion Private Wealth Pty Ltd ABN 30 695 945 987 is an Authorised Representative of Boutique Advisers Pty Ltd AFSL 554650. Please read our Financial Services Guide before acting (not applicable to Wholesale clients).