Website Terms of Use

1.About these terms

This website is operated by Cornerstone Financial Group Pty Ltd ABN 92 099 426 507, trading as Ironbark Advice ("we", "us", "our"). These Website Terms of Use govern your access to and use of this website. By using the site, you accept these terms. If you do not agree with them, please do not use the site.

2.Acceptable use

You may use this website for lawful purposes only. You must not:

• use the site in any way that breaches any applicable law or regulation;
• attempt to gain unauthorised access to the site, its servers, or any connected system or network;
• introduce any virus, malicious code, or other harmful material;
• use the site to transmit or procure the sending of any unsolicited or unauthorised advertising material; or
• interfere with, damage, or disrupt any part of the site or its operation.

3.Intellectual property

All content on this website — including text, graphics, logos, icons, images, photographs, and the Ironbark Advice name and brand marks — is owned by, or licensed to, Cornerstone Financial Group Pty Ltd or its related entities, and is protected by Australian and international copyright and trademark laws. You may view and print content for your own personal, non-commercial use only. You must not otherwise reproduce, adapt, distribute, or commercialise any content without our prior written permission.

4.Information only — not advice

The information on this website is general in nature and is provided for illustrative and discussion purposes only. It does not constitute credit assistance, financial product advice, or a recommendation, and does not take into account your objectives, financial situation, or needs. You should obtain your own professional advice before acting on any information on this site.

5.Disclaimer of warranties

This website is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, we make no representations or warranties of any kind — express or implied — about the accuracy, completeness, reliability, or availability of the site or its content. We do not warrant that the site will be uninterrupted, secure, or free of errors or viruses.

6.Limitation of liability

To the maximum extent permitted by law, Cornerstone Financial Group Pty Ltd and its related entities, officers, employees, and agents will not be liable for any loss or damage (including indirect or consequential loss) arising from, or in connection with, your use of, or reliance on, this website or its content. Nothing in these terms excludes, restricts, or modifies any consumer guarantee, right, or remedy under the Australian Consumer Law that cannot lawfully be excluded.

7.Third-party links

This website may contain links to third-party websites. Those links are provided for convenience only. We do not control, and are not responsible for, the content, products, or practices of any third-party site, and the inclusion of a link does not imply our endorsement.

8.Privacy

Any personal information collected through this website is handled in accordance with our Privacy Policy, which is available via the link in the footer of this site or on request.

9.Changes to these terms

We may update these Website Terms of Use from time to time. Any changes take effect when published on this page. Your continued use of the site after changes are published constitutes your acceptance of the updated terms.

10.Governing law

These Website Terms of Use are governed by the laws of the State of Queensland, Australia. You submit to the non-exclusive jurisdiction of the courts of Queensland and the courts of appeal from them.

11.Contact us

For general enquiries regarding these website terms, please contact us on 1300 597 878. For any formal complaints, privacy disputes, or concerns regarding our promotional campaigns, please contact our Resolutions Team on 1800 275 564. We acknowledge all complaints promptly and aim to provide a final internal resolution response within 30 calendar days.