Financial Advice Warning & Disclaimer

General Advice Warning

The information provided on this website has been prepared without taking account of your objectives, financial situation, or needs. Before acting on the information on this website, you should consider its appropriateness having regard to your own objectives, financial situation, and needs.

You should:

• Read and consider the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making any decision about whether to acquire, or continue to hold, a financial product
• Consider seeking professional financial advice from a qualified financial adviser
• Consider obtaining professional tax advice for your specific circumstances

No Personal Advice

Unless we have specifically agreed to provide personal financial advice to you in writing, any information we provide is general in nature and does not take into account your personal circumstances.

Personal financial advice can only be provided after we have conducted a thorough assessment of your financial situation, needs, and objectives, and is documented in a Statement of Advice (SOA).

Investment Risks

All investments carry risk. The value of investments can go down as well as up, and you may receive back less than your original investment. Past performance is not a reliable indicator of future performance.

Specific risks associated with our products include:

• Market Risk: The value of investments may fluctuate due to market conditions
• Credit Risk: The risk that a bond issuer may default on their obligations
• Liquidity Risk: Some investments may be difficult to sell quickly
• Currency Risk: International investments may be affected by exchange rate movements
• Interest Rate Risk: Changes in interest rates can affect investment values

Pre-IPO Investment Warning

Pre-IPO investments are speculative and carry a high degree of risk. These investments:

• Are typically illiquid and may not be easily sold
• May result in total loss of your investment
• Are not guaranteed to proceed to an IPO
• Are generally only available to wholesale or sophisticated investors (as defined in the Corporations Act 2001) who can afford to lose their entire investment

No Guarantees

Neither Culsans Pty Ltd nor any of its directors, employees, or representatives guarantee the performance of any investment or the repayment of capital.

Third-Party Information

This website may contain information obtained from third parties. While we believe this information to be reliable, we have not independently verified it and make no representation or warranty as to its accuracy or completeness.

Forward-Looking Statements

This website may contain forward-looking statements, including statements about our beliefs and expectations. These statements are based on current information and assumptions and are subject to risks and uncertainties that could cause actual results to differ materially.

Not an Offer

Nothing on this website constitutes an offer to sell, or a solicitation of an offer to buy, any financial product or service. Any offer is subject to the terms and conditions set out in the relevant offer documents.

Overseas Investors

Our services are designed for Australian residents. If you are accessing this website from outside Australia, please ensure you understand the regulatory requirements in your jurisdiction before using our services.

Licensing Information

Culsans Pty Ltd (ACN 677 791 543) holds an Australian Financial Services Licence (AFSL 561419) issued by the Australian Securities and Investments Commission (ASIC).

Contact for More Information

If you have any questions about this disclaimer or require further information, please contact us:

Culsans Pty Ltd
Level 3, 2 Bulletin Place, Sydney NSW 2000
Email: [email protected]
Phone: (02) 5550 1234