The website terms and conditions below govern your use of the Midwinter Financial Services Pty Ltd (Midwinter) website located at midwinter.com.au (website). The terms and conditions form a binding agreement between Midwinter and you in relation to your use of the website.

Please read all of the terms carefully before using the website. By using the website, you acknowledge and agree that you have had an opportunity to read and understand the terms and conditions and you agree to be bound by them.

Information accuracy and limitation of liability

Midwinter does not warrant the accuracy, completeness or currency of any information that is made available through this site. Midwinter will not be liable for or in connection with any loss or damage arising from any inaccuracies, errors or omissions in information made available through this site. Midwinter will endeavour to ensure that information is updated as soon as practicable when it becomes aware that material changes have occurred.

Midwinter makes no warranty that the use or operation of this site will be uninterrupted or error free or that the site is suitable for any particular purpose. Further to this Midwinter does not warrant the performance, functionality or security features of this site except as we are required to provide by law. To the extent permitted by law Midwinter’s liability is limited to resupplying the services accessible through this site.

General advice warning

This website does not provide the user with any investment, financial product, legal or taxation advice as to the suitability of the products, strategies and any services described in this site. Any financial product and investment advice given in this site, including forecasts and opinions, is general advice only. This advice has been prepared without taking into account all of your particular objectives, financial situation and needs. Midwinter is not a financial adviser and you should not rely on the calculators for the purpose of making a decision about a financial product.  You should consult a licensed financial planner before making any financial decisions based on the calculated outputs.


Except where expressly indicated otherwise, copyright in the information contained in this website is owned by Midwinter. The information must not be altered or tampered with in any way. This information is for your own personal use only. This information may not otherwise be reproduced and must not be distributed, reproduced or transmitted to any other person.


To the extent permitted by law, under no circumstances will Midwinter, its employees and its related companies be liable for any loss or damage caused by a user’s reliance on information obtained by using this website. Midwinter is not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this website.


The agreement set out in these website terms and conditions and your access to this website may be terminated at any time by Midwinter without notice.

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