Financial Services Guide
This Financial Services Guide (FSG) provides you with important information about Lifespan Financial Planning Pty Ltd and its Authorised Representatives who may provide you with the financial services described in the FSG.
Peter Donovan is an Authorised Representative (ASIC No. 297694) of Lifespan Financial Planning Pty Ltd (AFSL No. 229892)
Privacy Policy
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Complaints Policy
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General Advice Warning
Peter John Donovan Authorised Representative No. 297694 / P J Donovan & Associates Pty Ltd (ABN 54 670 387 247) trading as Phase 3 Retirement Solutions Corporate Authorised Representative No. 1305553 are authorised representatives of Lifespan Financial Planning Pty Ltd AFSL 229892 ABN 23 065 921 735. The purpose of this website is to provide general information only and the contents of this website do not purport to provide personal financial advice. We strongly recommend that investors consult a financial adviser prior to making any investment decision. The contents of this website does not take into account the investment objectives, financial situation or particular needs of any person and should not be used as the basis for making any financial or other decisions. The information is selective and may not be complete or accurate for your particular purposes and should not be construed as a recommendation to invest in any particular product, investment or security. The information provided on this website is given in good faith and is believed to be accurate at the time of compilation.
Terms of Use
The information in this site has been prepared in accordance with Australian law for the supply of goods and services. This notice and the information in this site and all matters relating to either are governed by and are to be construed according to the laws applicable in the State of Queensland and the Commonwealth of Australia (“Australian law”). The information may not satisfy the laws of any other country. It is not directed at people in any other country and should not be relied on by people in any country other than Australia. The information in this site is current at the date of publication but may be subject to change.
General
These are the Terms and Conditions of use of the website. By using the website, you agree to abide by these Terms of Use.
Please understand what we do, and don’t do. Lifespan Financial Planning Pty Ltd provides personal financial advice. We abide in good faith and based on our understanding of regulatory and industry requirements. The information we provide on our site, where it is advice, is general advice only and does not consider your needs, objectives and personal circumstances. Our content is not written for you specifically so please obtain professional advice, and consider your own circumstances, before you act on the information published on our site.
We endeavour to ensure that the information and other content on our website is accurate and current but we can’t always guarantee the accuracy or currency of the information on which we’ve relied. If you find an error or an out of date reference please let us know and we’ll correct it.
Disclaimers
To the extent permitted by law, we disclaim all liability to any person in relation to use of the website, and you waive all claims against us in relation to your use of the website.
We accept no liability for any interference with or damage to a user’s computer, software or data occurring in connection with or relating to the website or its use or any website linked to this website, and does not represent or warrant that applications initiated through the website will in fact be received or made to the intended recipient. Users are advised to confirm the application by other means.
The website includes links to other websites operated by community, business and government. These linked websites will have their own terms and conditions of use and you should familiarise yourself with these.
All linked websites are linked “as is” and we do not sponsor, endorse or necessarily approve of any material on websites linked from or to this site. Nor do we make any warranties or representations regarding the quality, accuracy, merchantability or fitness for purpose of any material on websites linked from or to this site. We do not, and can not, make any warranties or representations that material on other websites to which this site is linked does not infringe the intellectual property rights of any person anywhere in the world. We certainly don’t authorise, approve or endorse the infringement of any others’ intellectual property rights. If you don’t care about other peoples’ intellectual property rights, please don’t visit our site.
Changes
The information and data on the website is subject to change without notice. We may revise the Terms and Conditions of Use at any time by updating this posting.
Ownership rights
The information on this site, including the site source code is the property of PJ Donovan & Associates Pty Ltd and is subject to Copyright ©. Unauthorised use of the information on this website is not permitted. Copyright in the information contained in this site subsists under the Copyright Act 1968 (Cth) and, through international treaties, the laws of many other countries. It is owned by P J Donovan & Associates Pty Ltd unless otherwise stated. All rights reserved. You may download a single copy of this document and, where necessary for its use as a reference, make a single hard copy. Except as permitted under the Copyright Act 1968 (Cth) or other applicable laws, no part of this publication may be otherwise reproduced, adapted, performed in public or transmitted in any form by any process without the specific written consent of P J Donovan & Associates Pty Ltd.
Unless expressly stated otherwise, we claim copyright ownership of all material on the website. You may download, display, print and reproduce this material in unaltered form (attaching a copy of this notice) for your personal, non-commercial use. We reserve the right to revoke such permission at any time. Apart from this permission and uses permitted under the Copyright Act 1968 (Cth), all other rights are reserved.
The majority of images we use on our site are sourced from Pexels, Unsplash, and Canva. We greatly appreciate their creative talents.