Ridge Nominees Pty Ltd ACN 602 743 724, trading as Harbour Financial Planning is an authorised representative of Financial Wisdom Limited ABN 70 006 646 108, AFSL 231138.

Acceptance and changes to terms and conditions

You agree that your use of the Harbour Financial Planning website indicates your acceptance of these terms and conditions and the privacy and security statement. These are the current terms and conditions. They replace any other terms and conditions for the Harbour Financial Planning website published on the Harbour Financial Planning website to date. Harbour Financial Planning may at any time vary the terms and conditions by publishing the varied terms and conditions on the Harbour Financial Planning website. You accept that by doing this, Harbour Financial Planning has provided you with sufficient notice of the variation. Harbour Financial Planning reserves any rights not expressly granted in these terms and conditions.

Access for persons from Australia only

Harbour Financial Planning is not authorised to carry on business in any jurisdiction other than Australia. Accordingly, the information contained in this website is directed to and available for Australian residents only.

General information only

The information on this website is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. It should not be construed as financial, taxation or legal advice. Before acting on the basis of this information, you should consider its appropriateness to your own objectives, financial situation and needs. You should also obtain and read a copy of the relevant Product Disclosure Statement before making any decision to acquire a financial product.

Accuracy of information and limitation of liability

Harbour Financial Planning does not warrant the accuracy, completeness or currency of information made available through this website. Harbour Financial Planning will not be liable for or in connection with any loss or damage arising from any inaccuracies, errors or omissions in information made available through this website. However, Harbour Financial Planning will endeavour to ensure that information is updated as soon as practicable when it becomes aware that material changes have occurred.

Harbour Financial Planning makes no warranty that the use or operation of this website will be uninterrupted or error-free or that the website is suitable for any particular purpose or has any performance, functionality or security features except as Harbour Financial Planning is required to provide by law. To the extent permitted by law, Harbour Financial Planning’s liability is limited to resupplying the services accessible through this website.


Harbour Financial Planning and related logos are trademarks registered in Australia. Copyright in the information provided on, and available from, this website is owned by Harbour Financial Planning. You may not alter or modify this information in any way. This information may be viewed online and may be reproduced in hard copy only for your personal reference. You may only use the trade marks and copyright material on this website with Harbour Financial Planning’s express permission and in accordance with Harbour Financial Planning’s directions from time to time. The use of, and creation of links to, this website (including use of Harbour Financial Planning trade marks and copyright material) are at the risk of the user and are subject to Harbour Financial Planning’s rights and the user’s general legal obligations. Harbour Financial Planning makes no warranty and accepts no liability in relation to use of the trademarks outside Australia. For further information about creating links to this website and about using Harbour Financial Planning trademarks and other material, contact Harbour Financial Planning on 1800 024 864.

Links to other websites

This website may have links to other websites, which are operated by third parties. Harbour Financial Planning does not endorse or approve the information, graphics and materials that may be contained on those websites. Furthermore, Harbour Financial Planning does not make any warranties or representations regarding the accuracy, quality or timeliness of such third-party information. Hence, Harbour Financial Planning advises that you do not act on the information contained within these websites without obtaining independent legal advice.


Users of this website covenant that all disputes will be governed by and construed in accordance with the laws of the state of Tasmania, Australia, and all users and Harbour Financial Planning submit to the non-exclusive jurisdiction of the courts of that state.