These Terms & Conditions govern your use of firsthorizon.com.au and information and services provided by First Horizon. By using this website, you agree to these terms.
1. About First Horizon
First Horizon is a consulting and information business operated by Tony Langford. First Horizon draws upon extensive experience in investment markets, business and commercial environments to help clients better understand issues, information, opportunities and questions they may wish to consider.
2. Important financial services limitation
First Horizon is not a stockbroker, investment manager, fund manager or financial product issuer.
Unless expressly advised otherwise in writing, First Horizon and Tony Langford do not hold themselves out as providing personal financial product advice under an Australian Financial Services Licence.
Information, commentary, discussion and consulting provided by First Horizon are intended to provide general information, education, market perspective and commercial insight.
Nothing on this website should be interpreted as a recommendation or instruction to buy, sell, hold, acquire, dispose of, switch or alter any particular share, security, superannuation product, managed fund or other financial product.
3. Personal circumstances
Unless services are subsequently provided through an appropriately licensed professional, information provided by First Horizon does not take into account your personal objectives, financial situation or needs. You should not make a financial product decision solely on information obtained from First Horizon.
4. Superannuation
First Horizon may provide general educational information concerning superannuation, retirement structures and matters people commonly consider when approaching or entering retirement. First Horizon does not recommend that a person establish, close, switch, roll over or invest through a particular superannuation fund or financial product unless that recommendation is lawfully provided through an appropriately licensed or authorised financial adviser.
5. Shares and investment markets
First Horizon may discuss investment markets, economic conditions, companies, industries, asset classes, historical performance, investment concepts and publicly available information for educational and informational purposes. Such discussion does not constitute an instruction or recommendation to trade a particular security. Past performance is not a reliable indicator of future performance.
6. Referrals to licensed professionals
Where a matter requires personal financial advice, financial product advice or another regulated professional service, First Horizon may recommend that you seek assistance from an appropriately licensed or qualified professional.
7. No execution or control of investments
- First Horizon does not accept funds for investment.
- First Horizon does not execute securities trades.
- First Horizon does not hold client investment assets.
- First Horizon does not operate investment accounts.
- First Horizon does not take custody of financial products.
- First Horizon does not request online banking or brokerage passwords.
8. No guarantee of outcomes
Financial markets, businesses and investments involve uncertainty. First Horizon does not guarantee investment returns, business outcomes, capital preservation, income levels, tax outcomes or future performance.
9. Information accuracy
First Horizon seeks to provide useful and accurate information but information may become outdated, incomplete or inaccurate. Market conditions, laws, regulations, financial products and economic circumstances can change.
10. Third-party information and links
The website may contain information obtained from third parties or links to external websites. First Horizon does not control external websites and does not guarantee the accuracy, completeness or reliability of third-party information.
11. Intellectual property
Unless otherwise stated, website content, branding, graphics, written material and other original content are owned by or licensed to First Horizon.
12. Liability
To the maximum extent permitted by Australian law, First Horizon and Tony Langford exclude liability for loss arising solely from reliance on general information contained on this website. Nothing in these terms excludes, restricts or modifies rights or remedies that cannot lawfully be excluded, including applicable rights under the Australian Consumer Law.
13. No client relationship from website use
Visiting the website, completing an enquiry form, receiving an email or having an initial conversation does not itself create a professional adviser-client, financial adviser-client, fiduciary, brokerage or investment-management relationship.
14. Governing law
These terms are governed by the laws applicable in New South Wales, Australia.
15. Changes
First Horizon may update these Terms & Conditions from time to time. The current version and its last-updated date will be published on this website.