Terms of use

1.1 By accessing and using the Site you accept and agree to be bound by these Terms and accordingly you should review them carefully. If you do not accept these Terms you must not access or use the Site.

1.2 Our Privacy Policy and all other notices and communications we provide through the Site will form part of and be subject to these Terms. Unless otherwise specified to the extent of any inconsistency or conflict between information in any communication or notice and these Terms, these Terms will prevail.

1.3 We may change these Terms at any time without notice. Please review these Terms regularly when you access the Site to ensure you are aware of any changes made.

Account means an account registered through this Site.

Bentleys means Bentleys Wealth Advisors Pty Ltd (ABN 611 642 007) of 10/10 Spring Street Sydney NSW 2000.

Content means data, information, e-Newsletters, software, text, blogs, images, movies, animations, links or other references to other websites, persons or information or any other digital media whether currently existing or not that may be displayed, delivered through or otherwise embodied in WCG.

Digital Product means a product which is delivered electronically to the purchaser via the Internet.

Direct Communication means email, SMS, instant message or any other direct electronic communication.

Intellectual Property means all present and future rights to trade marks, domain names, logos, patents, inventions, copyrights and all similar rights in any part of the world whether registered or unregistered, which directly or indirectly relate to any information, media or process utilised by or embodied in Bentleys.

Intellectual Property Rights means all statutory and other proprietary rights in respect of all intellectual or industrial property including all trademarks, patents, copyright, confidential information and all other intellectual property as defined by Article 2 of the Convention Establishing the World Intellectual Property Organisation of July 1967 and the right to register them.

Member means a User that has registered an Account with Us to access the Service.

Physical Products means any product which is not a Digital Product.

Products mean Physical Products and Digital Products.

Services mean the services offered by Us through this Site to Members.

Site means all web pages located at including all sub-domains and related sites.

Terms means these website terms and conditions between you and us.

Us, We and Our mean Bentleys Wealth Advisors Pty Ltd (ABN 611 642 007) of 10/10 Spring Street Sydney NSW 2000.

User means a user who has complied with these Terms and accesses the Site but does not have an Account.

3.1 Bentleys Wealth Advisors resulted from a joint venture between Bentleys NSW Pty Ltd and PRPIA Pty Ltd, a division of Partners Wealth Group in 2016. PRPIA Pty Ltd, trading as Bentleys Wealth Advisors ABN 61 144 888 433, corporate authorised representative (CAR), Number 396092, is authorised to provide financial services on behalf of Charter Financial Planning Limited.

Charter Financial Planning Limited (Charter FP)
ABN 35 002 976 294
Australian Financial Services Licensee
Licence number 234665

4.1 Subject to these Terms, you may access and use the Site at no charge and without registering an Account.

4.2 You acknowledge and accept that access to and use of parts of the Site may:

1. be restricted to Members;

2. be subject to terms and conditions in addition to these Terms; or

3. require payment, and the imposition or removal of any access or use restrictions for any part of the site is at our sole discretion.

We are committed to protecting your privacy. Please refer to Our Privacy Policy at for further details on how we collect and protect your information.

6.1 It may be necessary to register an Account to access various Services and Products.

6.2 When Account registration is required you will be notified at the time of registration and required to follow Account registration procedures which may include you being required to:

1. validly enter your email address, a password and all other information requested in the registration section of the Site;

2. signify your acceptance of these Terms in addition to any other conditions which apply to that Product or Service which are displayed at that time; and

6.3 Accepting these Terms and any additional terms and conditions displayed during the registration process is an important part of the registration process and you should carefully read these terms and any additional terms and conditions which apply before registering an Account with Us.

6.4 You must keep your Account password confidential. You are responsible for any activities or transactions made using your account and we are not liable for any damage or loss which results from unauthorised access to your account. You must immediately notify Us of any unauthorised access or use of your account of which you become aware via the contact us section of the site.

6.5 Unless otherwise stated in any additional Account registration terms your Account is not transferrable and you may only register one Account.

6.6 When registering an Account you must provide Us with accurate and truthful registration information, including, but not limited to, your name, address, telephone number, and email address to keep your registration information current.

7.1 We derive Content from sources which we believe are accurate and up to date as at the time of publication, however, we do not make any representation or warranty as to the currency, reliability, suitability, accuracy or completeness of any Content provided via the Site.

7.2 While we use reasonable commercial endeavours to update Content embodied in the Site, you indemnify and release Us from all liability for any claim, loss, damage, cost or expense that directly or indirectly results from your reliance on any Content provided on the Site.

7.3 We may engage third parties to author, design or provide Content for inclusion in the Site. You acknowledge and agree that in relation to all Site Content contributed by third parties:

1. any views or opinions expressed in that Content are the views and opinions of that third party and not ours; and

2. despite any attribution of authorship or lack thereof, the responsibility and liability for ensuring the accuracy, legality, completeness and currency of Content lies exclusively with the third party who provided it.

7.4 In relation to e-Newsletters, this Content is intended to provide general information only in summary form on pertinent topics, current at the time of first publication.

8.1 We may enable you to upload and analyse data using online Tools.

8.2 You acknowledge and accept that when using Tools:

1. the processing, analysis and outputs generated by Tools are dependant on the accuracy and suitability of the data you provide and input into the Tool;

2. any Tools provided on the Site utilise processes and calculations which are intended to have a general application and accordingly may not be suitable for your specific requirements; and

3. all Tools, and any output generated by Tools, are intended to provide guidance only and any reliance you place on the outputs and results generated by Tools is entirely at your own risk.

8.3 All data and information you upload to a Tool will be handled in accordance with Our Privacy Policy.

9.1 You may be required to make transaction through the Site for Products and Services.

9.2 All transactions made through the Site will be covered by these Terms and any additional terms or conditions displayed during the finalisation of the transaction.

9.3 All Products and Services offered on the Site are subject to the restrictions and disclaimers contained in these Terms in addition to any other terms and conditions which apply to those Services.

9.4 By completing a transaction you agree to pay all amounts related to the transaction including all taxes and delivery charges by the relevant due date. Once a transaction is completed on the Site it cannot be cancelled or reversed.

9.5 You acknowledge and accept that for any Transaction related to Products or Services supplied by third parties:

1. We only facilitate your purchase of those Products or Services from the relevant third party supplier and are not responsible for the supply of the Products or Services;

2. those Products or Services may be subject to additional third party terms and conditions. You should review these terms and conditions before making any Transaction for third party Products or Services;

3. any description or images on the Site of third party Products and Services are provided by the relevant third party supplier and not Us;

4. to the extent permitted by law and in addition to any other part of these Terms, we accept no liability for any loss or damage directly or indirectly related to any third party Product or Service purchased through the Site, including a third party’s inability to supply a particular Physical Product or Service; and

5. any warranty claims related to third party Products or Services purchased through the Site will lie with the third party supplier of the Product or Service and not Us.

9.6 Subject to clause 9.8, the safe and timely delivery of any Product purchased through the Site is the sole responsibility of the supplier of that Product.

9.7 You acknowledge and accept that, while we make all reasonable commercial efforts to ensure transactions occur in a secure environment, transacting through the Internet has inherent risks and we are not responsible for any unauthorised:

1. interception, modification or diversion of a transaction request;

2. access or copying of details relating to a transaction (including personal or financial information); or

3. failure to deliver a Digital Product, where that failure is not directly caused by Our deliberate actions.

9.8 We reserve the right to modify, suspend or cancel any Transaction for any reason.

All Direct Communications from Us to you will be in accordance with Our Privacy Policy .

11.1 The Site may allow Users to submit or post Comments on different sections of the Site.

1.2 By submitting Comments to Us, you grant Us a non-exclusive, irrevocable, perpetual, royalty free and worldwide licence to use and deal with your Comment.

11.3 You agree that you will not enforce any Moral Rights you may have in any Comment submitted to Us and you agree that we may use your Comments in any manner which we see fit without acknowledgement or reference to Your Moral Rights.

11.4 Comments must not, in any way whatsoever, be potentially or actually harmful to Us or any third party, where "harm" includes, but is not limited to non-economic loss that will or may be suffered by Us. Without limiting any provision of these Terms, you warrant your Comments are not:

1. false, inaccurate or misleading or deceptive;

2. fraudulent or involve the sale of counterfeit or stolen items;

3. infringe any third party's copyright, patent, trademark, trade secret or other proprietary rights or intellectual property rights, rights of publicity, confidentiality or privacy;

4. violate any applicable law, statute, ordinance or regulation (including, but not limited to, those governing export and import control, consumer protection, unfair competition, criminal law, antidiscrimination and the Competition and Consumer Act 2010 (Cth));

5. defamatory, libellous, threatening or harassing;

6. obscene or contain any material that, in Our sole and absolute discretion, is in any way inappropriate or unlawful, including, but not limited to obscene, inappropriate or unlawful images and, if otherwise adult in nature, will be distributed only to people legally permitted to receive such content;

7. contain any malicious code, data or set of instructions that intentionally or unintentionally causes harm or subverts the intended function of WCG, including, but not limited to viruses, Trojan horses, worms, time bombs, cancelbots, easter eggs or other computer programming routines that may damage, modify, delete, detrimentally interfere with, surreptitiously intercept, access without authority or expropriate any system, data or personal information; or

8. create liability for Us or cause Us to lose (in whole or in part) the services of our ISPs or other suppliers.

12.1 Subject to any additional terms specific to an Account, you may close any of your Accounts at any time.

12.2 We reserve the right, without notice to you and at Our complete discretion, to refuse to register your Account or close your Account if We believe you:

1. have breached any part of these Terms;

2. are likely to breach any part of these Terms; or

3. have acted against Our business interests or reputation.

12.3 You will not be entitled to recover any fees if your Account is closed in accordance with clause 12.2

13.1 By accessing and using the Site you acknowledge and agree:

1. that we are either a licensee or owner of all rights, titles and interests in the Intellectual Property and you will not hinder, impede, invalidate or challenge Our ownership or entitlement to use or register any part of the Intellectual Property in any way, or do any act which may diminish the value of the Intellectual Property;

2. any use, downloading, copying, adaption, modification, communication or reproduction of any part of this Site or the Intellectual Property is strictly prohibited unless necessary for and incidental to your access and use of the Site; and

3. You must not otherwise copy, upload, communicate, modify, transmit, reproduce, distribute or in any way exploit any of the Site, the Content or the Intellectual Property, without Our prior written authorisation.

13.2 Certain software and other Content provided or available through the Site may be stated to be subject to special or additional rules or conditions which will form part of these Terms.

13.3 You agree to use the Site for lawful purposes only.

14.1 We reserve the right to modify, update or terminate the Site or any part of the Site at any time and at Our absolute discretion, without notice or liability to you.

14.2 Any change or modification to the Site or these Terms is effective immediately upon them being posted on the Site. If any such change or modification is unacceptable to you, you must not use the Site. If following any such change or modification you continue to use the Site, Services or Content, then you will be deemed to have accepted those changes or modifications.

15.1 We have no control over and are not responsible for the content of any third-party:

1. site for which a hyperlink is provided or displayed on the Site;

2. site framed within the Site; or

3. advertisements displayed on the Site.

15.2 We expressly disclaim (and do not endorse or verify) the accuracy or reliability of content on third-party websites described in clause

15.3 Hyperlinks are provided on the Site for your convenience only and may not be current or operational. Our use or inclusion of a hyperlink on the Site is not an endorsement, approval or recommendation of the linked website or its content. 15.4 We are not responsible for the content or privacy practices associated with third-party websites and accessing these sites you should read their terms, conditions and privacy statements. Your use of or reliance on any third-party website is at your own risk absolutely.


16.2 You recognise the limitations of consultations or advice without examination, testing or investigation and never disregard tailored, independent and qualified advice or delay seeking it, because of something you have read on the Site.

16.3 If you have a question or concern about the appropriateness or application of anything on the Site, you must seek advice from a relevantly qualified professional.

16.4 We make no representation and give no warranty or undertaking (express or implied) as to the currency, accuracy, completeness, effectiveness or reliability of the Site or Content for any particular purpose or specific business or that the Site can be used in relation to any business in substitution for proper specialised independent advice.

16.5 We disclaim any and all responsibility or liability for any loss, damage, injury or other claim whatsoever for any outcome arising from your reliance upon the Site or its inability to meet your needs.

16.6 The use of and your reliance upon the Site is entirely at your own risk. When using the Site information will be transmitted over a medium which may be beyond Our or Our suppliers jurisdiction or control. Information and files available from the Site cannot be guaranteed to be secure, free from computer viruses or other faults or defects and you should scan and check such data accordingly.

16.7 We will not be responsible for any delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Site which is beyond Our direct control. For the avoidance of doubt we do not accept responsibility for any interference or damage to your computer system which may arise in connection with your use of the Site.

17.1 Where we expressly or are deemed to be providing any accounting or related advice Our liability is limited by a scheme approved under the relevant Professional Standards Legislation.

17.2 To the fullest extent permitted by law:

1. all conditions and warranties concerning the Site (whether as to quality, outcome, fitness, care, skill or otherwise) expressed or implied by statute, common law, equity, trade, custom or usage or otherwise are expressly excluded and in respect of those statutory warranties which can not be excluded for any Products or Services provided by us, our liability to you is limited to the remedies contained in section 64A of the Australian Consumer Law (Cth), which you agree it your only remedy;

2. in no event will we, our officers, employees, agents, contractors, licensors, suppliers, or any other third parties mentioned on the Site be liable for any loss, costs or damages (including, without limitation, economic or consequential loss, lost profits or special damages) resulting from the use of or inability to use the Site, whether arising under statute or in contract, tort or any other legal doctrine, and whether or not we are or ought to have been aware of, or advised of the possibility of such loss, costs or damages;

3. We are not liable to you or to any third party for any personal injury, including death, caused by access to, use or misuse of the Site; and

4. remedies under these Terms are exclusive and are limited to those expressly provided for in these Terms.

18.1 To the extent that any part of these Terms are invalid, unenforceable, illegal, void or voidable for any reason, then these Terms will be construed and be binding as if the invalid, unenforceable, illegal, void or voidable part had been deleted from them or read down to the extent necessary to overcome the difficulty.

18.2 Our waiver of any breach or a failure to enforce or to insist on the observance of a condition of these Terms will not be a waiver of any other or of any subsequent breach.

18.3 We will not be responsible or liable for failure to perform any obligation under these Terms if such failure is caused by the occurrence of any matter beyond its reasonable control including, without limitation, industrial disputes, internet and communications outages, fire, flood, war, explosion, accident or act of God.

18.4 These Terms are governed by and construed in accordance with the law of the State of New South Wales and the Commonwealth of Australia, and you irrevocably submit to the jurisdiction of the courts of that State and of the Commonwealth of Australia.

Charter Financial Planning

We are an authorised representative of Charter Financial Planning Limited ABN 35 002 976 294 AFS Licence and Australian Credit Licence no. 234665 (“our Licensee”), as shown in our Financial Services & Credit Guide.

Your access to this website is subject to these terms and conditions, our Privacy Policy, notices, disclaimers and any other terms and conditions or other statements contained on this website (referred to collectively as "Terms and Conditions"). By using this website you agree to be subject to the Terms and Conditions.

This website is only for use by persons accessing the website from within Australia. The services described in this website are only available to persons accessing the website from within Australia.

Unless otherwise expressly stated to the contrary, this website is not designed for the purpose of providing personal financial or investment advice. Information provided does not take into account your particular investment objectives, financial situation or investment needs.

You should assess whether the information on this website is appropriate to your particular investment objectives, financial situation and investment needs. You should do this before making an investment decision on the basis of the information on this website. You can either make this assessment yourself or seek the assistance of an adviser.

Unless otherwise expressly stated to the contrary, the information on this website is not a recommendation or a statement of opinion to influence you to make a decision about a financial product or class of financial products or to invest in any investments, securities or financial products offered by any product issuer, including AMP Limited (ABN 49 079 354 519) (“AMP”) or a member of the AMP group of companies.

Unless otherwise stated to the contrary, neither we nor the Licensee guarantees any particular rate or return, the performance of any investment or the repayment of capital from any investment. Investments are subject to possible risks, including delays in repayment and loss of income or capital invested.

This website may contain references to other special offers or promotions by third parties that have not been verified by us or our Licensee. The website may contain links to other websites or pages of third parties. Neither we nor our Licensee are responsible for the content of any third party websites or pages linked to or linking to this website. Such links are provided for convenience and information purposes only. Neither we nor our Licensee endorse, approve or recommend the operators of third party websites or the content of those websites.

Subject to any applicable law which cannot be excluded, we make no warranties or representations regarding the quality, accuracy, merchantability or fitness for purpose of the goods or services available from third parties. Your obtaining of goods or services from third parties is at your own risk. You indemnify us and our Licensee against all liability, loss, damage, cost and expense arising from or relating to your obtaining goods or services from a third party referred to in this website.

This website may also contain references to offers or promotions by us, or links to pages owned and/or operated by us for services unrelated to our authorisations from our Licensee. Our Licensee does not endorse or recommend and is not responsible for the offers, promotions or content on the websites linked from or linking to this website for these unrelated services.

You may not use this website or provide a link to this website on another website, where the use:

1.contains any material that is offensive or distasteful;

2.contravenes any law;

3.disparages or adversely affects us or our Licensee’s brand or reputation or the services that we provide;

4.makes any representations about us or our Licensee or the services we provide, including any representations of any endorsement, sponsorship, affiliation or approval of you or the website by us or our licensee;

5.passes off our or AMP’s documents or information as your own.

Following links to any other websites or pages or linking this website to another website is entirely at your own risk and neither we nor our Licensee shall be responsible or liable for any losses, damages or expenses arising in connection with such linking. If you wish to link to this website, you must first seek our written approval.

To the maximum extent permitted by law, neither we nor our Licensee will be liable in any way for any loss or damage suffered by you through use or access to this website, or our failure to provide this website. Our liability for negligence, breach of contract or contravention of any law as a result of our failure to provide this website or any part of it, or for any problems with this website, which cannot be lawfully excluded, is limited, at our option and to the maximum extent permitted by law, to resupplying this website or any part of it to you, or to paying for the resupply of this website or any part of it to you.

These Terms and Conditions are governed by the law in force in the State of New South Wales, and the parties irrevocably submit to the non-exclusive jurisdiction of the courts of New South Wales and courts of appeal from them for determining any dispute concerning the Terms and Conditions.

These Terms and Conditions can be modified at any time by us and you agree to continue to be bound by these Terms and Conditions as modified. We will give you notice of these changes by publishing revised Terms and Conditions on this website. We will not separately notify you of these changes.

If the whole or any part of a provision of these Terms and Conditions are void, unenforceable or illegal in a jurisdiction it is severed for that jurisdiction. The remainder of the Terms and Conditions have full force and effect and the validity or enforceability of that provision in any other jurisdiction is not affected. This clause has no effect if the severance alters the basic nature of the Terms and Conditions or is contrary to public policy.

Except where necessary for viewing the information on this website on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms and Conditions, no information on this website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of the owner of the copyright in that material.

Legal Disclaimer

Information provided on the website is general in nature and does not constitute financial advice.

Bentleys Wealth Advisors and its partners will endeavour to update the website as needed. However, information can change without notice and Bentleys Wealth Advisors and its partners do not guarantee the accuracy of information on the website, including information provided by third parties, at any particular time.

Every effort has been made to ensure that the information provided is accurate. Individuals must not rely on this information to make a financial or investment decision. Before making any decision, we recommend you consult a financial planner to take into account your particular investment objectives, financial situation and individual needs.

Bentleys Wealth Advisors and its partners does not give any warranty as to the accuracy, reliability or completeness of information which is contained in this website. Except insofar as any liability under statute cannot be excluded. Bentleys Wealth Advisors and its partners, and their employees do not accept any liability for any error or omission on this website or for any resulting loss or damage suffered by the recipient or any other person.

Unless otherwise specified, copyright of information provided on this website is owned by Bentleys Wealth Advisors. You may not change or modify this information any way, including the removal of this copyright notice.