Acceptance of Terms
Before accessing or using the Harbour FX Pty Ltd trading as Harbour Investment Partners (HIP) website, please carefully read these Terms of Use. By using this website, you agree to be bound by these Terms. If you do not agree, do not access or use the website. HIP reserves the right to modify these Terms at any time without notice. Continued use of the website after changes are made constitutes acceptance of the updated Terms.

Disclaimer
These Terms of Use apply to www.harbourinvestmentpartners.com.au and any affiliated sites, digital services, or applications linking to these Terms (collectively, the “HIP Website”). By accessing the HIP Website, you agree to abide by these Terms and all applicable legal disclaimers. For full legal disclaimers specific to your jurisdiction, please refer to harbourinvestmentpartners.com.au/disclaimer.

HIP provides general financial product advice to wholesale clients only. The content on this website is for informational purposes and does not consider your specific financial objectives, situation, or needs. It is not a solicitation, offer, or recommendation to buy or sell any financial instruments.

Changes to the Website
HIP may modify, add, or remove features of the website at any time without notice. Continued use of the website after changes constitutes acceptance of those changes.

Access Restrictions
This website and its contents are intended for users in jurisdictions where the distribution and use of such information comply with local laws and regulations. The website is not directed at individuals in jurisdictions where access requires additional licences or authorisations not held by HIP.

Products and Services
Products and services mentioned may not be available in all jurisdictions or to all categories of investors. For information on eligibility, refer to specific terms and conditions.

All information on the website is subject to change without notice and does not represent a complete statement of markets, securities, or developments. Price information is indicative only, and no warranties are made regarding accuracy or completeness.

No Offer or Advice
Content provided is for informational purposes and personal use only. It does not constitute a solicitation, offer, or recommendation to buy or sell financial instruments. HIP does not provide personalised investment, legal, or tax advice through the website.

Before making any investment decisions, you should consult a qualified financial adviser or expert.

Performance and Risk
Past performance is not indicative of future results. The value of investments can fluctuate, and you may lose some or all of your capital. Investments in corporate bonds, IPOs, and equities carry higher risks compared to bank deposits. Foreign exchange fluctuations may also impact investment value.

Forward-Looking Statements
The website may include forward-looking statements based on current expectations. Actual results may differ due to various risks and uncertainties. HIP is not obligated to update these statements.

No Warranty
The website and its content are provided “as is” and “as available” without warranties of any kind. HIP does not guarantee the accuracy, reliability, security, or availability of the website. Users access the website at their own risk.
HIP is not responsible for any damage caused by viruses or other harmful elements obtained through website use.

Limitation of Liability
To the fullest extent permitted by law, HIP, its affiliates, directors, employees, or agents are not liable for any direct or indirect damages arising from the use or inability to use the website. Users are responsible for maintaining secure access to the website and protecting against cyber threats.

Third-Party Links
The website may contain links to third-party websites. These links are provided for convenience only. HIP does not endorse, control, or assume responsibility for third-party content or websites.

Social Bookmarks
The website may include social bookmarking features. Using these features may transmit your personal data to social media platforms. HIP does not endorse or monitor content shared via social bookmarks and disclaims responsibility for any activity associated with them.

Intellectual Property Rights
All content on the website, including text, graphics, logos, and software, is the property of HIP or third-party licensors. Users may print content for personal use but must not modify, reproduce, or distribute content without prior written permission from HIP.

Electronic Communication
Standard email communications are not secure. Avoid sending confidential information via email. HIP does not accept orders or instructions through email and is not liable for damages resulting from email use.

Privacy Policy
HIP’s Privacy Policy outlines how personal data is collected and used. The Privacy Policy is incorporated into these Terms of Use. For details, refer to the Privacy Policy.

Severability
If any part of these Terms is found invalid or unenforceable, the remaining provisions will remain in effect.

Additional Terms
Specific pages may have additional terms. In case of conflict, the additional terms will apply to those pages.