General Advice Disclaimer

Information provided on this website is general in nature and does not provide advice of any form.

The content on this website has been prepared by Forward North Pty Ltd, trading as Centre for Age Pension Admin Services (CAPA Services), ABN 14 003 368 170.

This website is owned and operated by Forward North Pty Ltd.

CAPA Services will endeavour to update the website as needed, however information can change without notice. CAPA Services does not guarantee the accuracy of information on the website, including information provided by third parties, at any particular time.

Legal Statement

While all reasonable care has been taken in providing this information, it should not be construed as being specific to your investment objectives, financial situation or particular needs.

This information is prepared for residents of Australia only. Any currency references are references to Australian dollars unless otherwise specified.

Unless otherwise specified, copyright of information provided on this Web Site is owned by CAPA Services. You may not alter or modify this information in any way, including removing this copyright notice.

CAPA Services disclaim any liability for loss, damage, cost or other expense which you may incur as a result of any information provided on this Web Site, to the extent that such liability is not excluded by law.

Web Site Privacy Policy

Our Privacy Policy outlines how we will handle personal information about you. As we collect personal information online through (our website), this Privacy Policy also outlines our approach to online privacy issues (see below).

  1. Collection of your Personal Information

1.1  When you visit our website you do not have to tell us who you are, or reveal any personally identifiable information to us. Unless you specifically agree to tell us, we will ever know who you are, and you are able to interact with our websites in a relatively anonymous way.

1.2  Personally identifiable information is defined as any specific data that could disclose you as an individual, such as your name, address, telephone number, billing and shipping information, credit card information or e-mail address.

1.3  When you visit our websites our servers automatically record basic information about your usage, such as the type of internet browser and operating system you are using,  the date, time and duration of your visit and the pages you viewed. This information is anonymous and does not identify you as an individual, nor will we combine it with information that does identify you as an individual. This information is collected and analysed to provide us with a greater understanding of how you use our websites.

1.4  Where necessary we collect personally identifiable information on certain areas of our websites, for example, if you register on a forum, enter a competition or subscribe to an e-mail newsletter. The personally identifiable information collected may consist of a username or unique user ID and contact information, such as your name, email address, mailing address, telephone and fax numbers.

1.5   From time to time we may invite you to answer survey questions and provide certain demographic information, such as your age, sex, income bracket, country of access, and location of connection, (e.g., home or work). Your response to these types of surveys is entirely voluntary and you should feel no obligation to participate.

  1. Our Use of Cookies

2.1    At times we may use a feature of your browser (called a “cookie”) to automatically assign you a unique user ID or a session ID. A cookie, by itself, cannot be used to find out your identity, it merely identifies your computer to our servers when you visit our websites.

2.2    We will not combine your user ID or session ID with information that does identify you as an individual. You may, at any time, set your browser to allow, notify you or refuse altogether the use of cookies.

  1. Use and Disclosure of Personal Information

3.1    In general, the information we collect is used for our own analysis aimed at improving our products and services. We use personally identifiable information to fulfil your requests or orders for specific services or products.

3.2    We may also use personally identifiable information to perform other functions including, demographic analysis of site usage (who is visiting our websites and what they are interested in), customising advertising and content seen by our users, and improving our marketing and promotional efforts.

3.3    We will not intentionally disclose any personally identifiable information and we do not sell, trade or rent such information to third parties (such as advertisers or telemarketers).

Any personally identifiable information you provide will only be provided to third parties if:

You consent to such a disclosure where:

We are compelled or authorised to do so by law

We reasonably believe there is a threat to someone’s life or health

Our website or business is sold to, or merged with another entity

  1. Security and Quality of Personal Information

4.1    Any information you provide to us is stored and held under generally accepted standards of technology and operational security in order to protect your personally identifiable information from loss, misuse, alteration, or destruction.

4.2    Only authorised personnel are provided access to personally identifiable information and these personnel are required to treat this information as confidential.

4.3    Despite these precautions, we cannot guarantee absolutely that any and all unauthorised access to your personally identifiable information will be prevented.

  1. Access and Correction

5.1    If you would like to access, correct, update or de-activate any information you have  submitted, please send a request to

5.2    We will modify or de-activate any information that could be used to identify you as  soon as practicable after your request, unless we are required or authorised by law not   to do so. Once de-activated your data will not be accessible, however, due to system  backups to various types of data storage media, your data may in some circumstances remain on these types of data storage media.

  1. Links to Other Websites

6.1    If any time our website provides links to other third party websites outside our network and immediate control. We do not accept any responsibility for their activities, and we  advise you to examine the terms and conditions of using their websites before  disclosing any information to them.

This Privacy Statement has been created with reference to the guidelines set out by the Office of the Federal Privacy Commissioner, Australia. For more information visit:

CAPAServices may vary this disclaimer at any time. Your continued use of the website constitutes your acceptance of the disclaimer as amended.