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Financial Advice Warning and Disclaimers


Fidante Partners Limited (ABN 94 002 835 592 AFSL 234668 and/or Fidante Partners Services Limited (ABN 44 119 605 373 AFSL 320505) are members of the Challenger Limited group of companies (Challenger Group) and are the responsible entity and issuer of interests in the Fidante Funds. For more information on each Fund or to request a free copy of any Offer Document or Target Market Determination (TMD) (if applicable), please contact the Fidante Investor Services team on 1300 721 637. Fidante Partners Limited and/or Fidante Partners Services Limited are collectively referred to as “Fidante” unless otherwise stated. Fidante Europe does not provide financial services to the general public.

Fidante is not an authorised deposit-taking institution (ADI) for the purpose of the Banking Act 1959 (Cth), and its obligations do not represent deposits or liabilities of an ADI in the Challenger Group (Challenger ADI) and no Challenger ADI provides a guarantee or otherwise provides assurance in respect of the obligations of Fidante. Investments in the Fund(s) are subject to investment risk, including possible delays in repayment and loss of income or principal invested. Accordingly, the performance, the repayment of capital or any particular rate of return on your investments are not guaranteed by any member of the Challenger Group.


Financial advice warning

The information on the Fidante website is intended to be general information only and is not financial product advice. The information has been prepared without taking into account your objectives, financial situation or needs. Before acting on any such information, you should consider the appropriateness of the information provided and the nature of the relevant financial product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant product disclosure statement (PDS) and Fund Target Market Determination (TMD) before making a decision about whether to buy or continue to hold a financial product. All PDSs or offer documents and TMDs are available free of charge on the Fidante website, by contacting your financial adviser or calling the Fidante Investor Services team on 1300 721 637 . Unless expressly stated, the information on the Fidante website is provided by the issuer of the applicable financial product.

If you acquire one of our products or services, we will receive fees and other benefits. These are generally set out in the PDS for the product or in an individual contract for services. This remuneration may include contribution fees, withdrawal fees, management fees and performance fees applicable to the particular product or service.

Our staff, including Directors, are paid a salary and may be entitled to receive bonuses and non-monetary benefits. In addition directors may also receive director fees. These salary, fee and bonus payments are paid by us and are not an additional cost to you. You may receive advice about our products from your financial adviser. We do not provide your financial adviser with any remuneration or other benefit when you invest in the products we issue. The amount that is paid by you to your financial adviser when they provide advice to you or arrange for you to invest in our products is agreed by you and your financial adviser and is an amount that you pay, not us.

Please also refer to the Financial Services Guide on the Fidante website. The FSG is an important document that is designed to help you decide whether to use the financial services offered by Fidante.

For important information regarding the investment managers of the Funds, please refer to the relevant investment manager website which you are able to access via the Fidante website.


Withdrawal of Products

The financial products issued by Fidante and listed on the Fidante website may be withdrawn or varied at any time and without notice. Further, the information on the Fidante website relating to any withdrawn financial product may also be withdrawn or varied without notice.


Capital and return not guaranteed

Neither Fidante nor any of its related bodies corporate, nor any investment manager or custodian, guarantees the repayment of your capital or the performance of your investment or any particular taxation consequences of investing.

All investments are subject to risks, including possible delays in repayment and loss of capital and income. The significant risks for a financial product are outlined in the relevant PDS or other offer document for that financial product.


Forward looking statements

The material on the Fidante website may contain forward looking statements which are not based solely on historical facts but are based on current expectations about future events and results. Words such as "anticipate", "believe", "expect", "project", "forecast", "estimate", "outlook", "likely", "intend", "should", "could", "may", "target", "plan" and other similar expressions typically denote forward looking statements. Such forward looking statements are based on views held only at the date of publication of the material and are not guarantees of future performance or events. These forward looking statements are subject to inherent risks, uncertainties and other factors outside the control of Fidante. Accordingly, actual results may differ materially from those expressed or implied in such statements.

Fidante does not undertake to update any forward looking statements to reflect events or new information following the publication of forward looking statements on the Fidante website. Fidante gives no representation or warranty (express or implied) as to the completeness or reliability of any forward looking statements. Such forward looking statements should not be considered as advice or a recommendation in relation to holding, purchasing or selling a financial product and does not take into account your particular investment objectives, financial situation or needs, and you should not place undue reliance on these forward looking statements.


Hypotheticals, illustrations and examples

Hypothetical situations, illustrations and examples on the Fidante website are provided for illustrative purposes only and you should not rely on such hypothetical situations, illustrations or examples when making investment decisions. Due to your individual circumstances, your returns may differ from those provided in any hypothetical situations, illustrations and examples used.


Past performance

Past performance information is not a reliable indicator of future performance. Any reference to past performance on the Fidante website is intended to be for general illustrative purposes only and should not be relied upon.