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Disclaimer Online Calculators:

The calculators and tools in this website are provided by Midwinter Financial Services Pty Ltd (Midwinter) on behalf of your financial services provider. The calculators and tools on this website are provided for your information and to illustrate scenarios. The results should not be used as a substitute for professional advice. These calculations are estimates only and based upon information entered by the user and a set of assumptions. The results from each calculator contained within this website should be used as an indication only. Estimates provided by the calculators are based on Midwinter’s understanding of current superannuation and tax law as at 1 July 2012 and should not be regarded as specific advice.

This website does not provide the user with any investment, financial product, legal or taxation advice as to the suitability of the products, strategies and any services described in this site. Any financial product and investment advice given in this site, including forecasts and opinions, is general advice only. This advice has been prepared without taking into account all of your particular objectives, financial situation and needs. Midwinter is not a financial adviser and you should not rely on the calculators for the purpose of making a decision about a financial product. You should consult a licensed financial planner before making any financial decisions based on the calculated outputs.

The projected figures generated by these calculators are not guaranteed, and are provided as an illustration only and may vary from actual results. All calculations are therefore indicative only and changes in any one of the specified assumptions may have a significant effect on the projected outcomes. The calculators cannot predict or take into account any changes in your circumstances that may occur in the future. All projected figures assume that all current tax legislation and the laws remaining unchanged. If you use or apply an estimate, you are solely responsible for their use or application.

All reasonable care has been taken in preparing and designing the calculators and tools; however, Midwinter provides no warranties and makes no representation that the information provided by the calculators and tools is appropriate for your particular circumstances or indicates you should follow a particular course of action. Midwinter cannot guarantee that the calculators will be free of errors or suitable for any user's intended purposes. To the extent permitted by law, under no circumstances will Midwinter, its employees and its related companies be liable for any loss or damage caused by a user's reliance on information obtained by using this website or its calculators. Midwinter is not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this website.

The calculators are provided for your personal use only and unauthorised use is strictly prohibited. The reproduction or copying of any aspect of the website is strictly prohibited without the prior written consent of Midwinter.

Collection, use and disclosure of personal information

The website may collect your personal and financial information. If you have been provided with access to the online calculators, your personal information has previously been provided to a financial services provider. The intended purpose of the collection of your personal and financial information is to provide your financial services provider with a better understanding of your financial situation, goals and requirements. You grant Midwinter and your advice provider the right to use the personal information which you supply to us in this website to effectively provide our services.

Midwinter and your financial services provider are bound by Privacy laws and will not disclose or distribute your personal information without your consent, except where required to by law, for example by court order.