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Privacy & Terms​

Our complete privacy details and other terms are fully disclosed below. Reach out to us to discuss any individual matters or concerns.

Terms & Conditions

  1. This website is owned by Paul Murphy Financial Services Pty Ltd ABN 89 095 984 884 trading as Connect the Dots.
  2. Paul Murphy Financial Services Pty Ltd or any of its directors, employees and associates does not guarantee the security of this website, give any warranty of reliability or accuracy or accept any responsibility arising in any other way from the information on this website and does not accept any liability for any loss or damage however caused as a result of any person relying on any information on the website. This disclaimer is subject to any applicable contrary provisions of the Australian Securities and Investments Commission Act (Cth) and Trade Practices Act (Cth).
  3. Your access to this website is subject to these terms and conditions, notices, disclaimers any other terms and conditions or other statements contained on this website, and, if you use any of the services identified on this website for which additional or alternative terms and conditions are referred to, those additional terms and conditions for those other services (referred to collectively as “Terms of Use”). By accessing, viewing or otherwise using this website, you agree to be subject to these Terms of Use.
  4. All information contained on this website is given in good faith and has been derived from sources believed to be accurate. However, the information is selective and Paul Murphy Financial Services Pty Ltd has verified the information, which may not be complete or accurate for your purposes. Paul Murphy Financial Services Pty Ltd makes no representation or warranty of any kind as to the accuracy or completeness of the information. It is general information only and should not be considered as a comprehensive statement on any matter and should not be relied upon as such.
  5. You agree to use and link to the Connect the Dots website at your own risk. Paul Murphy Financial Services Pty Ltd will not be liable for any loss or damage from any cause (including negligence) to your system or website caused by or in connection with the use of or a link to the Connect the Dots website. Any such loss or damage will be your responsibility.
  6. Should you leave this site via a link contained within this website, and view content that is not provided by Connect the Dots, including content in relation to the issue or sale of a financial product:

    (a) you do so at your own risk. The content to which you link will not have been produced, checked for accuracy, or otherwise reviewed by Connect the Dots. Connect the Dots does not make any guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party;
    (b) the issuer or seller of the financial product should be identified on the link;
    (c) a PDS should be available from the place and from the person identified on the link; and
    (d) you should consider the PDS for the relevant product in deciding whether to acquire or to continue to hold, the product.

Disclaimer of General Advice Only

In preparing the information contained on this website, we have not taken into account your objectives, financial situation or needs. Before acting on the basis of the information contained on this website or within a report prepared by Connect the Dots, you should consider (with or without the assistance of an adviser) whether the information in this website and report is appropriate to you in light of your particular objectives, financial situation and needs.

The information on this site is based on current regulatory laws and their interpretation. The levels and basis of regulatory requirements may change. The application of many laws, including taxation laws, depends upon an investor’s individual circumstances. You should, therefore, consider seeking professional advice on the legal and taxation implications of investing and should not rely on the information provided, which should be used as a guide only.

Should you use a link on this website to access a website of another company, you agree that Connect the Dots is not responsible for, and your access is subject to the terms and conditions applicable to, that website.

Paul Murphy Financial Services Pty Ltd, at its sole discretion, may vary or modify these Terms of Use without notice. Any subsequent access to, or use by you of this website will constitute an acceptance of those modifications.

You agree that where Paul Murphy Financial Services Pty Ltd is required, by law or otherwise, to provide you with a document, you consent to the provision of that document electronically through the links on this website. We suggest that you print a copy of the document, or file it electronically, for future reference.

The information on this website is provided to persons located in Australia only and is not provided to any person who is located in any other country. References to currency are in Australian dollars.

Connect the Dots is not a financial adviser. You should consider seeking independent legal, financial, taxation or other advice to check how the information relates to your unique circumstances.

Paul Murphy Financial Services Pty Ltd 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 Paul Murphy Financial Services Pty Ltd or any of its related websites or information memorandums.

Copyright in the information contained on this website is owned by Paul Murphy Financial Services Pty Ltd. You may use this information for your own personal reference only. You may reproduce this information in hard copy solely for your personal use. The information may not otherwise be reproduced and must not be distributed or transmitted to any other person or incorporated in any way into another document or other material.