Disclaimer and Terms of Use
The material on this website is provided by Newcastle Greater Mutual Group Ltd ACN 087 651 992, Australian Financial Services Licence / Australian credit licence 238273 (NGM Group) (including its brands Greater Bank, Newcastle Permanent, and other subsidiaries) and is intended for informational purposes only. It is of a general nature and does not constitute financial product advice or investment advice. The material does not take into account the investment objectives, financial situation, or particular needs of any investor. NGM Group strongly recommends that investors seek independent financial, legal, tax, and other professional advice before making any investment decisions.
NGM Group does not make any representation or warranty (express or implied) as to the accuracy, completeness, reliability, or currency of the information contained on this website. To the maximum extent permitted by law, NGM Group accepts no responsibility or liability for any direct or indirect loss or damage suffered by any person arising from the use of, or reliance upon, the material provided on this website.
This website may contain forward-looking statements, including but not limited to statements regarding future performance, funding plans, credit quality, capital adequacy, economic conditions, and market outlook. Such statements are not guarantees of future performance and involve known and unknown risks, uncertainties, assumptions, and other factors, many of which are beyond the control of NGM Group. Actual outcomes may differ materially from those expressed or implied in forward-looking statements. These statements speak only as of the date they are made and should not be relied upon when making investment decisions. NGM Group does not undertake any obligation to update or revise such statements, whether as a result of new information, future events, or otherwise.
None of the information contained on this website constitutes an offer or solicitation to sell, or a solicitation of an offer to buy, any securities in any jurisdiction, including the United States. Any securities referenced on this website have not been, and will not be, registered under the U.S. Securities Act of 1933 (as amended) or the securities laws of any state or other jurisdiction of the United States. Accordingly, such securities may not be offered or sold in the United States unless pursuant to an exemption from registration under applicable law.
This website may refer to credit ratings or information from external parties. Such references are not investment recommendations. Credit ratings may change at any time and should be assessed independently.
The access and/or distribution of material on this website may be restricted by local law in jurisdictions. Persons accessing this website should inform themselves about, and observe, any such restrictions.
You confirm that you are not in the United States or a U.S. person (as defined in Regulation S under the U.S. Securities Act of 1933 (as amended)) and not acting for the account or benefit of a U.S. person.
In addition, you confirm that:
- if you are in Australia, you are not a “retail client” within the meaning of section 761G of the Corporations Act 2001 (Cth) (Corporations Act) and you are a “wholesale client” in respect of whom disclosure is not required under Parts 6.2D or 7.9 of the Corporations Act; or
- if you are in the United Kingdom, you are not a UK retail investor (or acting on behalf of a UK retail investor) and you are otherwise a “relevant person” (being a “investment professional” as defined in Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 or a person falling within Article 49(2) of that Order; or
- if you are in a Member State of the European Economic Area, you are not an EEA retail investor (or acting on behalf of an EEA retail investor) and you are a “qualified investor” as defined in Regulation (EU) 2017/1129 (as amended); or
- if you are in Japan or a resident of Japan, you are a “qualified institutional investor” (tekikaku kikan toshika) as defined in Article 2 Paragraph 3 Item 1 of the Financial Instruments and Exchange Act of Japan (Act No. 25 of 1948) (as amended); or
- if you are in Singapore, you are an “institutional investor” or an “accredited investor” as defined under the Securities and Futures Act 2001 of Singapore; or
- if you are in Hong Kong, you are a “professional investor” within the meaning of the Securities and Futures Ordinance (Cap. 571) of Hong Kong and any rules made under that Ordinance.
By accessing this website, you confirm that you agree that you have read, understood, and accept the terms and conditions set out above. Unauthorised access to or use of this website is strictly prohibited.