Susan Bryant (Seeds of Advice Financial Planning ABN 90 619 804 518) Authorised Representative Number 401174 of Havana Financial Services Pty Ltd, Australian Financial Services Licence (AFSL) No. 500 435.

This information is of a general nature only and has been provided without taking account of your objectives, financial situation or needs. Because of this, we recommend you consider, with or without the assistance of a financial adviser, whether the information is appropriate in light of your particular needs and circumstances.

The views expressed in this website are the opinions of the authors at the time of writing and do not constitute a recommendation to act. All information referenced is believed to be accurate at the time of compilation and is provided by Susan Bryant in good faith.

However, the use of this website is at your sole risk. Susan Bryant does not make any representation or warranty as to the quality, accuracy, reliability, timeliness or completeness of material in the site or material in websites linked to this website.

Neither Susan Bryant nor any other person guarantees or makes any representations as to the future performance of any fund, stock or the return of an investor’s capital. Past performance is not a reliable indicator of future performance.

This website may provide information, articles and material that is written and prepared by people who are not employees or representatives of Susan Bryant. Such material is provided for your interest and convenience only. Susan Bryant is not responsible for the contents or accuracy of this material, and the opinions expressed in the material should not be taken as recommendations or opinions of Susan Bryant.

The Australian Transaction Reports and Analysis Centre (AUSTRAC)

AUSTRAC is an Australian government agency which plays an important role in protecting the reputation of Australia’s financial system. The agency is Australia’s anti-money laundering and counter-terrorism financing regulator and a specialist financial intelligence unit.

AUSTRAC’s purpose is to detect and counter money laundering and the financing of terrorism. It is our obligation to identify our clients, conduct risk assessments, and make reports to AUSTRAC.

Complaints

We are committed to providing quality advice to our clients. This commitment extends to providing accessible complaint resolution mechanisms for our clients. If you have any complaint about the service provided to you, you should take the following steps:

1. Contact your adviser immediately.

2. If your complaint is not satisfactorily resolved within 7 days please contact Havana Financial Services Pty Ltd within 7 days via phone (02) 8004 6299 or put it in writing and send to Level 2, Suite 204, 111 Harrington St, Sydney, NSW, 2000.

3. If we cannot reach a satisfactory resolution within a further 45 days you can send your complaint to, The Australian Financial Complaints Authority, (AFCA) at PO Box 3 Melbourne Victoria VIC 3001. Their free call number is 1800 931 678.

4. The Australian Securities and Investments Commission, (ASIC), also has a free call info line on 1300 300 630 which you may use to make a complaint or obtain information about your rights.

Privacy Policy: You can ask for a copy of our Privacy Policy.

General Advice

This website is produced as an information service only without assuming responsibility. It contains general information only and should not be relied on as a substitute for financial or other professional advice. The information and opinions contained in this website have been obtained from sources believed to be reliable, but no representation or warranty, express, or implied, is made that such information is accurate or complete and it should not be relied upon as such.

Information and opinions contained in the website are published for the assistance of recipients, but are not to be relied upon as authoritative or taken in substitution for the exercise of judgement by any recipient, and are subject to change without notice. Except to the extent that liability cannot be excluded, Susan Bryant and Havana Financial Services do not accept any liability for any direct or consequential loss arising from any use of material contained in this website.

More information regarding the advisory services Havana Financial Services provides through its representatives can be located here.

Reservation of Rights

By accessing the Seeds of Advice website pages you agree to the following terms. If you do not agree to the following terms, please note that you are not allowed to use the site.

The contents of Seeds of Advice website pages are Copyright © Susan Bryant 2022. Any rights not expressly granted herein are reserved. Reproduction, transfer, distribution or storage of part or all of the contents in any form without the prior written permission of Susan Bryant is prohibited except in accordance with the following terms.

Seeds of Advice consents to you browsing its website pages on your computer or printing copies of extracts from these pages for your personal use only and not for redistribution unless consented to in writing by Seeds of Advice. Individual documents in our website pages may be subject to additional terms indicated in those documents. The use of this site and the content therein, is permitted to private, non-commercial use. The use of press releases and other documents classified as public is permitted in public communications if the source for the information has been stated.

This site and the contents herein are provided as a convenience to the reader. The contents of Seeds of Advice website  pages are provided on “as is” and “as available” basis. Susan Bryant does not warrant that its web pages will be uninterrupted or error-free. Susan Bryant reserves the right to revise the pages or withdraw access to them at any time.

For your easy accessibility Seeds of Advice may include links to sites on the Internet that are owned or operated by third parties. By linking to such third-party site, you shall review and agree to that site’s rules of use before using such site. You also agree that Susan Bryant has no control over the content of that site and cannot assume any responsibility for material created or published by such third-party sites. In addition, a link to a non- Seeds of Advice site does not imply that Susan Bryant endorses the site or the products or services referenced in such third party site.

By submitting material to any of our servers, for example, by e-mail or via the Seeds of Advice website  pages, you agree that:

(a) the material will not contain any item that is unlawful or otherwise unfit for publication;

(b) you will use reasonable efforts to scan and remove any viruses or other contaminating or destructive features before submitting any material; and

(c) you own the material or have the unlimited right to provide it to us and Havana Financial Services may publish the material free of charge and/or incorporate it or any concepts described in it in our products without accountability or liability

(d) you agree not to take action against us in relation to material that you submit and you agree to indemnify us if any third party takes action against us in relation to the material you submit.

Your access to this site should not be construed as granting, by implication, estoppels or otherwise, any license or right to use any marks appearing on the site without the prior written consent of Susan Bryant or the third party owner thereof.