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The calculators and tools in this website (collectively known as AdviceOS) are provided by Midwinter Financial Services Pty Ltd (Midwinter). Calculations provided within are illustrative only, based on a set of assumptions and are provided in good faith. Actual outcomes will vary from those projected depending on factors including the actual contributions, salary increases, investment returns, insurance premiums and fees, and external factors including taxation, inflation and future legislative changes. Estimates provided by AdviceOS are based on Midwinter’s understanding of current superannuation and tax law. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. Midwinter does not provide within AdviceOS any investment, financial product, legal or taxation advice as to the suitability of the products, strategies and any services for you or your clients. Any financial product and investment advice given in this site, including forecasts and opinions, is general advice only. To the extent permitted by law, under no circumstances will Midwinter and its related companies be liable for any loss or damage caused by a user's (or any third party) reliance on information obtained by using AdviceOS. The access, reproduction, copying or use of information contained in this website is strictly prohibited without the prior written consent of Midwinter.