Site Credits:

Creative Direction & Design:
 Iconic Influencers
 Iconic Influencers

Terms & Conditions:

Terms of use and legal notices
These website terms of use outline how you can use our website and legal content, as well as the other resources found on our website. Financial Vulnerability Pty Ltd hope’s that you find them to be useful, helpful, and insightful and we would be delighted to answer any questions that you have about them. We have developed our content to help you better understand Financial Vulnerability and provide you with information related to helping you better navigate Financial Vulnerability and Abuse.


You need not disclose your identity to Financial Vulnerability Pty Ltd in order to use this website. However, you may use this website to provide information including personal information to us and this website may use “cookies” to collect anonymous traffic data from you and other users who access this website. The internet servers may also automatically record details about any computer used to access the website (such as the IP address, domain name and browser type), the date and time of access, and details of the information downloaded. Please see the Privacy Statement located at the bottom of the Financial Vulnerability website for information about how we use and handle personal information provided or collected by us, and about your agreement to the use of that information.

The Financial Vulnerability website may contain links to other websites.  Please note that when you click on one of these links, you are entering another website.  We encourage you to read the privacy statements of these linked websites as those privacy policies may differ from ours.

External websites
Financial Vulnerability Pty Ltd does not accept any responsibility for, approve or endorse any information or content displayed on third party websites that may be accessed by a link from the Financial Vulnerability website.

Copyright notice
Our website and its content are protected by copyright.  For no other purpose and subject to the conditions prescribed by the Copyright Act 1968 (Cth), no part of our website, its content or information may in any form or by any means (electronic, mechanical, micro copying, photocopying, recording or otherwise) be reproduced, uploaded to a third party website, linked to, framed, stored in any retrieval system or transmitted without our prior written consent to do so.

Trademarks notice
Our website includes registered trademarks owned or licensed by us (Our Trademarks).  You must not use any of Our Trademarks for any purpose whatsoever without our prior written consent to do so.

Disclaimer as to content
If you access the Financial Vulnerability website you agree to be bound by the conditions contained in this legal message and further agree that these Terms of Use and Legal Notices and any dispute or claim arising out of or in connection with the website and its content and your use of it, whether of a contractual or non-contractual nature, are governed by and are to be construed in accordance with the law of the State of Western Australia. The courts of the State of Western Australia are to have non-exclusive jurisdiction to settle any dispute arising out of or in connection with this website and your use of it.

  1. To the extent permitted by law, Financial Vulnerability Pty Ltd is not liable to you or any other person for any loss or damage which may arise from the use of or reliance upon any information contained on the Financial Vulnerability website.  Financial Vulnerability Pty Ltd makes no representation or warranty as to the completeness or accuracy of any information or as to the merchantability or fitness for a particular purpose of the information contained on its website.  No part of the Financial Vulnerability website, its information or content should be construed as financial or other specific advice or be used for the purpose of providing financial or other specific advice and Financial Vulnerability Pty Ltd is not liable to you or any other third party for any misuse of the website.
  2. While Financial Vulnerability Pty Ltd uses reasonable endeavours to ensure that the website content is correct, you should be aware that the information may be incomplete, inaccurate, or outdated.
  3. Content has been prepared in accordance with Australian law and may not comply with the laws of other countries.

Your responsibilities as user
You are responsible for the consequences of your own decisions as to the use of the information and material contained on the website, and its possible application to any circumstances you may be facing. It is for you to decide whether you should obtain financial or other specific advice. You do not have to be a client of Financial Vulnerability Pty Ltd to use the website.

You may only view, download or print content from this website for your non-commercial, personal, or internal business use. You must obtain our prior written consent if you wish to use or reproduce any content from the website for any other reason. This does not allow you in any form or by any means to:

  • Use any part of the website for an illegal purpose or in a way which is inaccurate or misleading or offensive, or which brings Financial Vulnerability Pty Ltd or any of its directors or employees into disrepute.
  • Reproduce all or any material part of the content or design of this website, adapt, store in a retrieval system, transmit, print, display, perform, or publish or create derivative works from, any part of the content or design of this website.
  • Cause any of the material on this website to be framed or embedded in another website.
  • Commercialise any information, products, or services on this website except with our prior written consent or as permitted by applicable copyright law.

Financial Vulnerability Pty Ltd reserves the right to exclude persons who do not respect the Terms of Use.

Our right to be indemnified by you
To the maximum extent permitted by law, you must indemnify us, and hold us harmless, against any Liability suffered or incurred by us arising from or in connection with your use of our website or any breach of these Terms or any applicable laws by you. This indemnity is a continuing obligation, independent from the other obligations under these Terms, and continues after these Terms end.  It is not necessary for us to suffer or incur any Liability before enforcing a right of indemnity under these Terms.

Contact details
If you have any questions about our Terms and Conditions, please contact our Head Office:

Financial Vulnerability Pty Ltd
Suite 2A
2 Gemstone Boulevard

Tel +61 8 9300 9434
[email protected]