Get Smart With Money


Terms and Conditions

Your use of this website is subject to these terms and conditions. Please read them carefully before entering the website. If you do not accept these terms and conditions you must exit this website immediately.

General information only – non advisory

Information on the Moneygirl website is not financial product advice and you should consider obtaining independent financial product advice before making any financial decision. Alternatively, you can visit MoneySmart for general advice about investing.

Third party links and advertising

Hyperlinks and pointers to websites operated by third parties will appear on Moneygirl from time to time. These websites do not form part of Moneygirl and are not under the control of Moneygirl or its related bodies corporate and neither Moneygirl nor its related bodies corporate have any responsibility for the contents of any such hyperlink or linked website. If you link to any such websites you leave Moneygirl and do so entirely at your own risk. You acknowledge that Moneygirl is entitled to require you to remove any link from another website to this website which you install without the prior written consent of Moneygirl.

Moneygirl displays third party advertisements, which may or may not contain hyperlinks or referral buttons to websites operated by third parties. The display of such advertising does not in any way imply a recommendation or endorsement by Moneygirl or its related bodies corporate of the relevant advertiser, its products or services or any such linked website.

If you contact a third party using functionality provided on Moneygirl, including via e-mail, Moneygirl accepts no responsibility for any actions taken by that third party in response to your communication or for any transactions entered into between you and the relevant third party.


You agree to indemnify and hold Moneygirl, and its subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees, harmless from any claim or demand, including but not limited to any claim by a third party for defamation, including reasonable legal fees, made by any third party due to or arising out of Content you submit, post, transmit or make available through the Service, your use of the Service, your connection to the Service, your violation of the TOU, or your violation of any rights of another.

You agree that should you find any offending information, on the Moneygirl website you will immediately email and ask that it be removed. This includes any content that could reasonably be regarded as likely to be defamatory, misleading or deceptive, or which would amount to illegal or unauthorised activities (for example insider trading or unauthorised offerings of securities). You also agree that Moneygirl has 24 hours to remove the offending material.

Trademark Information

The Moneygirl logo and tag line are registered trademarks of Moneygirl Pty Ltd. With the prior permission of Moneygirl Pty Ltd you agree not to display or use in any manner, the Moneygirl marks.


The material provided on Moneygirl is copyright protected. You may use this material for your own personal reference only. Except for the temporary copy held in the computer’s cache and a single permanent copy for your personal reference, the material may not otherwise be used, copied, reproduced, published, stored in a retrieval system, altered or transmitted in any form or by any means in whole or part (except where such use constitutes fair dealing under the Copyright Act) without the prior written approval of Moneygirl or the appropriate supplier or licensor of Moneygirl.

You may not use any part of the material on an Moneygirl site to establish, maintain or provide, or assist in establishing, maintaining or providing your own publications, Internet site or other means of distribution.

Accuracy of information and disclaimer of warranties

All material on Moneygirl is provided in good faith. It is derived from sources believed to be accurate and current as at the date of publication. To the maximum extent permitted by law, Moneygirl does not give any warranty in relation to the content, accuracy, or any other aspect of any material on the website or the performance of the website. To the maximum extent permitted by law, Moneygirl excludes all liability for loss or damage suffered by you (including but not limited to direct, indirect, incidental, special, consequential or exemplary damages, loss or profits or revenue, business interpretation, loss of data or failure to realise anticipated savings or benefits of business opportunities) that you may suffer as a result of the use or reliance on any information on this website, accessing or using the website, or any interruption, delay in operation or transmission, virus, communications failure, Internet access difficulties, or malfunction in equipment or software.

You agree that Moneygirl’s liability to you will be reduced to the extent, if any, to which you contributed to the loss.

Services provided on the website

Moneygirl reserves the right to add, modify or discontinue any of the services offered on the website at any time without notice. Moneygirl will not be held liable for any decision to modify or discontinue a service. The information provided on this website is intended for and applicable only to an Australian audience.

Forums and Comments

a) Moneygirl does not endorse or vouch for the accuracy or authenticity of postings.

b) You are not permitted to make postings as an Australian financial services licensee or authorised representative of a licensee.

c) You should note that postings are at best general information and not professional investment advice. Note that postings have not taken into account your individual circumstances. Therefore, you should consider the following before acting on any information provided on this website:

(i) consider consulting a licensed financial adviser (the Australian Securities & Investments Commission website has a list of licensed financial advisers);


(ii) visit ASIC’s consumer website, MoneySmart, for general guidance about investing.

d) You are individually responsible for the accuracy and authenticity of your postings; including any alterations you make to postings.

e) You are not permitted to include any misleading or deceptive information in your postings or to carry out any illegal or unauthorised activities using the Moneygirl website facilities.

f) Postings will be archived for at least two years. Information in postings may, where appropriate, be made available to ASIC. You should note that ASIC and people acting on such information may take action against you. Serious penalties apply for posting material that is misleading or deceptive, or that amounts to market manipulation or insider trading.

g) If you include hyperlinks to other sites, you may be seen as endorsing the material on these sites. It is advisable for you to warn people that you do not endorse or take responsibility for any material in the hyperlinked sites.

h) If you own or have some other interest in a security, or you have any connection with a securities issuer that you might benefit from, you must disclose that fact. For example, you may be entitled to receive direct or indirect commissions, fees or other benefits from a financial product or service provider; or you may be associated with a particular securities issuer such as by being an employee or director of a securities issuer. If so, you must disclose that fact in your posting.

i) If Moneygirl finds or reasonably suspects that you are making illegal or unauthorised postings, your right to make postings on the Moneygirl website will be withdrawn.

j) You should note that taking legal action against a person for an offensive posting may be difficult as their identity or location may be hard to obtain.

k) Moneygirl warrants that in the event that an offensive posting is made, such posting will be removed within a 24 hour period after Moneygirl have been notified by you, or when first discovered by Moneygirl.

l) You should note that you have no access to ASIC approved dispute resolution schemes in the event that you suffer any losses by relying on Moneygirl website postings.

m) Securities cannot be offered to you for sale or issue through postings on the Moneygirl website.

n) You must alert Moneygirl or ASIC Infoline on 1300 300 630 if you have good reason to suspect that any postings are inaccurate, are based on inside information or are likely to mislead or deceive people who view or use the postings. This facility is not intended for people outside Australia; and

o) You agree not to post any obscene, abusive, slanderous, vulgar, threatening, hateful, sexually-orientated or any other material that may violate any laws in Australia or at an international level. In the event that this condition is violated Moneygirl has the right to ban your usage immediately and reserves the right to inform your Internet Service Provider if deemed required by Moneygirl. Please note that the IP address of all postings are recorded to aid in enforcing these conditions and Moneygirl reserves the right to edit, remove, move or close any topic at any time as sees fit.