There are a few things that you should be aware of when using our messaging service:

• To enable us to assist you with your queries, we may access your personal information or request that you provide certain details in a secure form . Any personal information we retain will be handled in accordance with our privacy policy.
• Any information provided has been prepared without taking into account your objectives, financial situation or needs. Before you act on any information provided, please consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.
• Messages may be recorded for training and compliance purposes. Should you wish not to be recorded you may opt out by closing this chat box.
• All representations, facts and opinions provided are given in good faith, based on our understanding of the information you provide us, and are believed to be accurate and reliable as at today's date.
• Before making a decision to acquire a financial product, you should obtain and read the Product Disclosure Statement (PDS) relating to that product. If you would like a copy of a PDS relating to a particular product, please let us know. You can obtain a copy at www.mlc.com.au or by calling us on 132 652.