Site Disclaimer

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  • If you access or use this website, you consent to the terms below. We reserve the right to modify these terms from time to time.


  • Unless otherwise indicated, the material available on this website is protected by copyright. You can reproduce this copyright material free of charge without further permission, subject to the following conditions:
  • you must reproduce the material accurately
  • you must not use the material in a derogatory manner or a misleading context, and
  • you must acknowledge the source and copyright status of the material
  • Your rights to use materials on this site do not extend to any rights to the design and underlying computer code upon which the site is built and delivered. That material is protected by copyright and may not be copied or reproduced in any form.


  • This web site contains material that is protected by copyright owned by third party contributors to this site. This website provides links to other websites, which may contain information that is the copyright of third parties and subject to restrictions on use or reproduction.
  • You must get permission from the copyright owner to use:
  • copyrighted materials from other websites, or
  • material on this website that is protected by the copyright of a third party
  • We cannot give you this permission.


  • The information provided on this website is for general guidance only. It should not be used as a substitute for legal, business, accounting, tax or other professional advice.
  • This website is intended to provide general information to visitors, and all reasonable measures have been taken to ensure its quality and accuracy. However we:
  • make no warranty, express or implied, nor assume any legal liability or responsibility for the accuracy, correctness, completeness or use of any information that is available on or through this website, nor represent that its use would not infringe privately owned rights
  • do not assume any legal liability or responsibility for damage or loss that may directly or indirectly result from information on this website or any actions taken as a result of the content of this website
  • may change, delete, add to, or otherwise amend information on this website without notice, and
  • are not responsible for the content of other websites linked to or referenced from this website. We do not endorse the information, content, presentation or accuracy of such other websites, and make no warranty, express or implied, regarding them
  • We make no warranty, express or implied, nor assume any legal liability or responsibility:
  • that the website or server are free of computer viruses or other harmful components, defects or errors
  • that any defects in the website will be corrected
  • that access to the website will be reliable, uninterrupted or error-free (including access to linked websites)
  • for any delays, inaccuracies, failures, errors, omissions, interruptions, deletions, defects, computer viruses or communication line failures, or
  • for any theft, destruction, damage or unauthorised access to your computer system or network
  • Reference to any specific commercial product, process or service by trade name, trade mark, manufacturer or otherwise does not constitute endorsement, recommendation or favouring by us.
  • Nothing contained on this website is, nor should be relied on as, a promise or representation about past or future events.
  • If you follow a hypertext link to another website, you do so on your own responsibility. When visiting other websites you should refer to each website’s individual terms of use and not rely on these terms.
  • It is unlawful to intentionally cause damage to this website through the knowing transmission of any program, information, code or command.
  • Each page on this website must be read in conjunction with this disclaimer and any other disclaimer that forms part of this website.


  • This website is governed by Victorian and Australian Federal law, and the Courts of Victoria have exclusive jurisdiction.


  • We make no representation that this website complies with laws (including intellectual property laws) of any country outside Australia. If you access this website from outside Australia, you do so on your own responsibility and are responsible for ensuring compliance with all laws in the place where you are located.


  • Should you have any issues with your fees, CIB strongly encourages you to raise this with your client manager prior to payment as we do not issue refunds.