The information contained in this publication is of a general nature and is not intended to be nor should it be considered as professional advice. You should not act on the basis of anything contained in this publication without first obtaining specific professional advice. To the extent permitted by law, Respect Financial Services Pty Ltd, its related bodies, corporate, employees and advisers accepts no liability or responsibility to any
persons for any loss which may be incurred or suffered as a result of acting on or refraining from acting as a result of anything contained in this publication.