The Updated Investor Pty Ltd
ABN 86 141 953 451 | AFSL 522880

Last updated: August 2026

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1. About these Terms & Conditions

This website, www.theupdated.com.au, is owned and operated by The Updated Investor Pty Ltd ("The Updated Investor", "TUI", "we", "us" or "our").

By accessing or using this website, you agree to these Terms & Conditions together with our Privacy Policy, Financial Services Guide and any other notices, disclaimers or terms displayed on the website.

If you do not agree with these Terms & Conditions, you should not use this website.

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2. Information on this website

The information provided on this website is intended to provide general information about The Updated Investor, financial planning, financial wellbeing, Financial Certainty and related financial topics.​

Unless we expressly state otherwise, information available through this website is either factual information or general in nature.​

It is not personal financial advice and has not been prepared taking into account your individual objectives, financial situation or needs.​

Before acting on information contained on this website, you should consider whether it is appropriate for your individual circumstances and, where appropriate, seek personal financial advice from a suitably qualified financial adviser.​

Where information relates to a particular financial product, you should also consider the relevant Product Disclosure Statement or other disclosure documents before making a decision about that product.

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3. Personal financial advice

Personal financial advice is different from general information or general advice because it takes into account your individual objectives, financial situation and needs.​

The Updated Investor provides personal financial advice to clients through our formal financial planning and advice process.​

Accessing this website, reading an article, subscribing to our newsletter, completing a Financial Certainty Survey or contacting us through the website does not, by itself, create a financial adviser-client relationship or constitute personal financial advice.​

Personal financial advice will only be provided where we have agreed to provide that advice and have obtained the information reasonably required to understand your circumstances.

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4. Financial Certainty Surveys

The Updated Investor provides Financial Certainty Surveys designed to help people reflect on their level of confidence and certainty across different areas of their financial lives.​

These surveys are reflective and educational tools.​

They are not financial plans, investment recommendations, diagnostic tools or personal financial advice.

The results are based on the responses you provide and are intended to help identify areas that may warrant further consideration or discussion.​

You should not make a significant financial or investment decision solely on the basis of a Financial Certainty Survey or its results.​

Our Financial Certainty Surveys do not require you to provide specific confidential financial information such as account numbers, bank details, investment balances, superannuation balances or tax file numbers.​

Further information about the information collected through our surveys and how it is handled is available in our Privacy Policy.

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5. Investment and financial product risks

Investments and financial products can involve risk.​

Past performance is not a reliable indicator of future performance, and no particular investment return, level of income, capital growth or repayment of capital can be guaranteed unless an express guarantee forms part of the terms of the relevant financial product.​

Investment values may rise or fall, income may vary and you may receive back less than the amount originally invested.

The risks associated with a particular strategy or financial product will depend on its characteristics and your individual circumstances.​

Where we provide personal financial advice, relevant risks will be considered as part of that advice.

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6. Accuracy and currency of information

We take reasonable care in preparing and maintaining the information on this website.

However, financial markets, legislation, taxation rules, superannuation rules, government benefits, financial products and other matters discussed on the website can change.

Information may therefore become outdated after it is published.

To the maximum extent permitted by law, we do not warrant that information on this website is complete, error-free or suitable for every purpose.

The date on which an article or other material was published should be considered when assessing its relevance.

You should obtain current information and appropriate professional advice before making significant financial decisions.

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7. Taxation, legal and other professional information

From time to time, this website may discuss taxation, estate planning, legal structures, Centrelink or other matters that interact with financial planning.

Unless expressly stated otherwise, this information is general information only.

The Updated Investor does not provide legal advice and does not provide taxation advice except to the extent we are appropriately authorised to do so as part of providing financial advice.

Where appropriate, you should obtain advice from a qualified accountant, registered tax agent, solicitor or other relevant professional.

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8. Third-party websites and services

This website may contain links to, or integrate with, websites, platforms or services provided by third parties.

These links and services may include appointment-booking platforms, surveys, client portals, product providers, government websites, professional resources and other external services.

Links are provided for convenience or information and do not necessarily indicate that The Updated Investor endorses or recommends the third party, its website, products or services.

We do not control third-party websites and are not responsible for their content, availability, security or privacy practices.

When you leave our website or provide information directly to a third-party service, you should consider that provider's own terms of use and privacy policy.

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9. Privacy and personal information

Your privacy is important to us.

Our collection, use, storage and disclosure of personal information is governed by our Privacy Policy.

In particular, our website and marketing systems are not used as repositories for confidential client financial information.

Detailed confidential client information is maintained using specialist financial planning systems rather than on The Updated Investor's website or in permanent paper-based client files.

Please refer to our Privacy Policy for further information about how we handle and protect personal information.

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10. Website availability and security

We aim to keep this website available and operating properly, but we do not guarantee uninterrupted access.

From time to time, access may be interrupted or unavailable because of maintenance, technical issues, telecommunications failures, cybersecurity events or circumstances outside our reasonable control.

You are responsible for taking reasonable precautions when using the internet, including maintaining appropriate security software and protecting passwords and other access credentials.

You must not attempt to interfere with the operation or security of this website, obtain unauthorised access to any system or information, introduce malicious software, or use the website for any unlawful purpose.

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11. Intellectual property

Unless otherwise stated, the content of this website, including text, graphics, logos, articles, publications, Financial Certainty material, survey content, trade marks and other material, is owned by or licensed to The Updated Investor.

This material is protected by applicable copyright, trade mark and intellectual property laws.

You may view, download or print reasonable extracts from the website for your own personal and non-commercial use.

You must not reproduce, republish, distribute, modify, commercially exploit or create derivative works from substantial parts of our website or proprietary material without our prior written consent, except where permitted by law.

The Updated Investor's trade marks, branding and proprietary frameworks may not be used without permission.

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12. Testimonials and examples

Our website may include testimonials, case studies, examples or descriptions of client experiences.

Individual experiences vary.

A testimonial or example should not be interpreted as a guarantee that another person will receive the same outcome or experience.

Where hypothetical examples are used, they are intended to illustrate concepts and should not be treated as personal financial advice.

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13. Limitation of liability

Nothing in these Terms & Conditions excludes, restricts or modifies any right, guarantee, condition, warranty or remedy that cannot lawfully be excluded, including any rights you may have under applicable Australian law.

Subject to those rights, and to the maximum extent permitted by law, The Updated Investor is not responsible for loss or damage arising solely from:

• reliance on general information on this website without considering whether it is appropriate to your circumstances;

• information becoming outdated after publication;

• temporary interruption or unavailability of the website;

• the content or operation of third-party websites or services; or

• unauthorised or unlawful interference with the website outside our reasonable control.

Nothing in these Terms & Conditions limits any obligation or liability that The Updated Investor has in connection with personal financial advice or financial services provided to a client where that obligation or liability cannot lawfully be excluded or limited.

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14. Financial Services Guide

The Updated Investor Pty Ltd holds Australian Financial Services Licence 522880.

Our Financial Services Guide contains important information about the financial services we are authorised to provide, how we are remunerated, potential conflicts of interest, our complaints process and other matters relevant to clients and prospective clients.

You should read our Financial Services Guide if you are considering obtaining financial advice or financial services from us.

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15. Changes to these Terms & Conditions

We may update these Terms & Conditions from time to time to reflect changes to our website, services, business practices or legal and regulatory obligations.

The current version will be published on this website and will show the date on which it was most recently updated.

Your continued use of the website after an updated version is published will constitute acceptance of the revised Terms & Conditions.

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16. Severability

If any provision of these Terms & Conditions is held to be invalid, illegal or unenforceable, that provision will be severed or read down to the extent necessary.

The remaining provisions will continue to operate.

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17. Governing law

These Terms & Conditions are governed by the laws of New South Wales, Australia.

You and The Updated Investor submit to the non-exclusive jurisdiction of the courts of New South Wales and any courts entitled to hear appeals from those courts.

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18. Contact us

If you have any questions about this website or these Terms & Conditions, please contact:

The Updated Investor Pty Ltd
Suite 4, 81-85 Great North Road
Five Dock NSW 2046

Telephone: 02 9712 7313
Email: admin@theupdated.com.au
Website: www.theupdated.com.au