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</o:shapelayout></xml><![endif]--> </head> <body bgcolor="#9E9E9E" lang=EN-AU link=red vlink="#666666" style='tab-interval: 36.0pt' onload="MM_preloadImages('pics/navigation/home2.gif','pics/navigation/aboutus2.gif','pics/navigation/financeplan2.gif','pics/navigation/loans2.gif','pics/navigation/taxplan2.gif','pics/navigation/insurance2.gif','pics/navigation/media2.gif','pics/navigation/referral2.gif','pics/navigation/forms2.gif','pics/navigation/library2.gif','pics/navigation/contactus2.gif','pics/navigation/importantinfo2.gif','pics/subscribe2.gif','pics/referfriend2.gif')"> <div class=WordSection1> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=1024 style='width:768.0pt;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:162.75pt'> <td colspan=3 style='padding:0cm 0cm 0cm 0cm;height:162.75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New 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src="pics/navigation/insurance.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:6'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="media.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1033" src="pics/navigation/media.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:7'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="referral.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1032" src="pics/navigation/referral.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:8'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="forms.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1031" src="pics/navigation/forms.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:9'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="library.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1030" src="pics/navigation/library.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:10'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="contactus.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1029" src="pics/navigation/contactus.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:11'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="importantinfo.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=51 id="_x0000_i1028" src="pics/navigation/importantinfo.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:12'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"; mso-no-proof:yes'><img border=0 width=197 height=148 id="_x0000_i1027" src="pics/navigation/spacer.gif"></span><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:13;mso-yfti-lastrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'></td> </tr> </table> </td> <td width=642 valign=top style='width:481.5pt;background:white;padding:0cm 0cm 0cm 0cm'> <p class=introcopy>&nbsp;</p> <p><a href="#privacy">Privacy Policy</a><br> <a href="#termsofuse">Terms of Use and Disclaimer</a><br> <a href="#complaints">Complaints Resolution</a><br> <a href="#copyright">Copyright</a><br> <a href="#insurance">Insurance - Zurich <span class=SpellE>Ezicover</span></a></p> <h1><span style='mso-fareast-font-family:"Times New Roman"'>IMPORTANT INFORMATION<o:p></o:p></span></h1> <h1><a name=privacy id=privacy></a><span style='mso-fareast-font-family:"Times New Roman"'>Privacy Policy <o:p></o:p></span></h1> <p class=subhead>Your privacy is important to Lifetime Advisers</p> <p>Your privacy is important to us. This statement outlines Lifetime Adviser s policy on management and protection of the personal information we hold about our clients. It is Lifetime Adviser s policy to respect the confidentiality of information and the privacy of individuals. Lifetime Advisers is bound by the National Privacy Principles contained in the Commonwealth Privacy Act. Lifetime Adviser s Privacy Policy Statement will be reviewed from time to time to take account of new laws and technology, changes to our operations and practices and to make sure it remains appropriate to the changing environment. Any private information we hold will be governed by the most current Lifetime Adviser s Privacy Policy Statement.</p> <p class=subhead>Our Privacy Policy is based on openness about how we use, and protect, your information</p> <p>We are committed to being open about how we use personal information. Where our documents ask for personal information, we will state the purposes for its use and to whom it may be disclosed.</p> <p class=subhead>Why does Lifetime Advisers collect personal information?</p> <p>We collect your personal information to ensure that we are able to provide you with the products and services that are appropriate to your needs. The process of providing financial advice may seem simple, but it is the result of carefully gathering all the right details to help us assess a client s financial situation and goals. In fact, under the law, we have to demonstrate that we know the client and have identified your needs, your objectives and your financial circumstances before we may offer you any advice. We aim to ensure that the personal information that we retain about you is accurate, complete and up to date. If you provide us with incomplete or inaccurate information, we may not be able to provide you with the advice, products or services you are seeking.</p> <p class=subhead>What kind of personal information do we ask for?</p> <p>Because of the nature of the products and services provided, government regulations and taxation laws, we ask for a range of personal information from our customers and shareholders. The type of personal information we may collect can include (but is not limited to) name, address, date of birth, contact details, income, assets and liabilities, account balances, tax and financial statements and employment details. We obtain most of this information directly from our clients through questionnaires or other forms, and from maintaining records or information provided in the course of ongoing financial planning advice or customer service. We may also obtain information from other sources. Some of our insurance services also require us to collect sensitive information. For more details, see the section below  Sensitive information is subject to greater restrictions . If you choose not to provide the information we need to <span class=SpellE>fulfill</span> your request for a specific product or service, we may not be able to provide you with the requested product or service. </p> <p class=subhead>How do we use this information and to whom may we disclose it?</p> <p>The personal information Lifetime Advisers holds is used for establishing and managing your financial products or services, reviewing your ongoing needs, enhancing customer service and product options and giving you ongoing information or opportunities that we believe may be relevant to your financial needs and other circumstances. Depending on the product or service concerned and particular restrictions on sensitive information, this means that personal information may be disclosed to:</p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l0 level1 lfo2;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Lifetime Adviser s financial planners, brokers and those who are authorised to review customers needs and circumstances from time to time<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l0 level1 lfo2;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>service providers and specialist advisers to Lifetime Advisers who have been contracted to provide Lifetime Advisers with administrative, financial, insurance, research or other services <o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l0 level1 lfo2;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>other insurers, credit providers, courts, tribunals and regulatory authorities as agreed or authorized by law<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l0 level1 lfo2;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>anyone authorised by an individual, as specified by that individual or the contract<o:p></o:p></span></p> <p>Generally, we require that organisations outside Lifetime Advisers who handle or obtain personal information as service providers to Lifetime Advisers acknowledge the confidentiality of this information, undertake to respect any individual s right to privacy and comply with the National Privacy Principles and this policy.</p> <p class=subhead>Sensitive information is subject to greater restrictions </p> <p>Some personal information we hold is  sensitive in that it may relate to a person s state of health and medical history. The Law also restricts the way we use, store and access tax file numbers. Sensitive information is usually needed for applications for life, sickness and disability insurance and to manage claims on those products. It may also be relevant to loans, finance and other applications. It is Lifetime Advisers policy that sensitive information will be used and disclosed only for the purposes for which it was provided, unless the customer specifically agrees otherwise or the use or disclosure of this information is allowed by law. Documents asking for sensitive information will explain this. </p> <p class=subhead>Management of personal information</p> <p>Lifetime Advisers trains its employees and financial planners who handle personal information to respect the confidentiality of customer information and the privacy of individuals. Lifetime Advisers regards potential breaches of your privacy very seriously and will impose appropriate penalties, including dismissal. Lifetime Advisers has appointed a Privacy Officer to ensure that Lifetime Adviser s management of personal information is in accordance with this statement and the Privacy Act.</p> <p class=subhead>How do we store personal information?</p> <p>Safeguarding the privacy of your information is important to us, whether you interact with us personally, by phone, mail, over the internet or other electronic medium. We hold personal information in a combination of secure computer storage facilities and paper-based files and other records, and take steps to protect the personal information we hold from misuse, loss, unauthorised access, modification or disclosure. We may, as a requirement of law, need to maintain records for a significant period of time. However, when we consider information is no longer needed, we will remove any details that will identify you and/or we will securely destroy the records.</p> <p class=subhead>How do we keep personal information accurate and up to-date?</p> <p>Lifetime Advisers endeavours to ensure that the personal information it holds is accurate and up-to-date. We realise that this information changes frequently with changes of address and other personal circumstances. We can generally update your customer information over the telephone or during our regular interviews.</p> <p>You have the right to check what personal information about you is held by us Under the Commonwealth Privacy <span class=GramE>Act,</span> you have the right to obtain a copy of any personal information which IFP holds about you and to advise Lifetime Advisers of any perceived inaccuracy. The Act does set out some exceptions to this. To make a request, you will need to complete an application form verifying your identity and specifying what information you require. We will acknowledge your request within 14 days and respond promptly to it. We may charge a fee to cover the cost of verifying the application and locating, retrieving, reviewing and copying any material requested. If the information sought is extensive, we will advise the likely cost in advance and can help to refine your request if required. </p> <p class=subhead>What if you have a complaint?</p> <p>If you consider that any action of Lifetime Advisers breaches this Privacy Policy Statement or the National Privacy Principles or otherwise doesn t respect your privacy, you can make a complaint. This will be acted upon promptly. To make a complaint please telephone us on 02.9889 4970. If you are not satisfied with our response to your complaint, you can telephone the Commonwealth Privacy Commissioner s hotline on 1300 363 992.</p> <p class=subhead>How to contact us</p> <p>If you want to:</p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l4 level1 lfo4;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>make a general enquiry about Lifetime Advisers privacy policy<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l4 level1 lfo4;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>change your personal information<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l4 level1 lfo4;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span class=GramE><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'>obtain</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'> an application form for access to your personal information, write to <br> Lifetime Advisers at PO Box 6043 North Ryde NSW 2113.<o:p></o:p></span></p> <h1><a name=termsofuse id=termsofuse></a><span style='mso-fareast-font-family: "Times New Roman"'>Terms of Use and Disclaimer<o:p></o:p></span></h1> <p>This site is for the sole use of persons residing in Australia. Information and other content is of a general nature only and does not take into account the objectives, financial situation or needs of any person. It should not be taken as advice or recommendations as it might be unsuited to your personal circumstances.</p> <p>We do not guarantee or warrant the site will be readily available, error-free, omission-free, virus free or suitable for any particular purpose. Content is provided at our sole discretion and we do not undertake to update or notify you of changes that might occur to any content or information posted on this site.</p> <p>Although we believe that information contained on this site is correct at the time of posting, to the extent permissible by law, any information or content is provided  as is without warranties of any kind, express or implied, including accuracy, timeliness and completeness. To the extent permissible by law, we also exclude all liability for any loss or damage whether direct, indirect or consequential, suffered by any person acting (or failing to act) in reliance on the information contained on this site.</p> <p>Any third party links on this site including but not limited to advertisements may lead to sites or services not provided or operated by us. No judgment or warranty is made with respect to these services or sites and we do not endorse nor take responsibility for these sites or services. Any use you make of the information or content on this site, or any site or service linked to by this site, is at your own risk.</p> <p>Any financial products referred to on this site require that you read current product disclosure documents in full. You should obtain and consider the relevant Product Disclosure Statement or other disclosure document for a financial product before making any decision about whether to acquire that product. We may have investments in any of the financial products and investments discussed on this site and may earn brokerage if you invest.</p> <p>Any transmission or receipt of information via this site does not create a professional services relationship between us and you. Your adviser or other professional advisers should be consulted prior to investing, acting (or failing to act) in reliance on the information and content provided on this site.</p> <p> We ,  us ,  our means Lifetime Advisers and its associates including but not limited to <span class=SpellE>Lionsgate</span>, their directors and Authorised Representatives.  You ,  your means you as a visitor to this site whether registered or otherwise, or you as a third person who has been provided access to information, content or material from this site by us or others through any means whatsoever.<br> These terms of use and disclaimer are intended to exclude any liability for loss as a result of acting (or failing to act) on the information content or opinions contained on this site without seeking professional advice. Use of this site, information and content constitutes your acceptance of these terms of use and disclaimer.<o:p></o:p></p> <h1><a name=complaints id=complaints></a><span style='mso-fareast-font-family: "Times New Roman"'>Complaints Resolution<o:p></o:p></span></h1> <p class=subhead>Financial Planning Services</p> <p>Lifetime Advisers Pty Limited T/As Lifetime Advisers is a Corporate Authorised Representative of <span class=SpellE>Lionsgate</span> Financial Group Pty.</p> <p>If you have a complaint about the service provided to you, you should take the following action:</p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:81.75pt;text-indent:-18.0pt; line-height:10.5pt;mso-list:l3 level1 lfo6;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: Arial;color:black'><span style='mso-list:Ignore'>1.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'>Contact us and tell us about your complaint.<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:81.75pt;text-indent:-18.0pt; line-height:10.5pt;mso-list:l3 level1 lfo6;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: Arial;color:black'><span style='mso-list:Ignore'>2.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'>If your complaint is not satisfactorily resolved within 3 business days, please contact the Compliance Manager at <span class=SpellE>Lionsgate</span> Financial Group Pty Ltd by writing to Darling Park, Tower 2, Level 20, 201 Sussex Street, Sydney, NSW 2000 who will thoroughly investigate your complaint and endeavour to finalise the matter promptly and fairly.<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:81.75pt;text-indent:-18.0pt; line-height:10.5pt;mso-list:l3 level1 lfo6;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: Arial;color:black'><span style='mso-list:Ignore'>3.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'>If you are not satisfied with the outcome, you may complain to the Financial Industry Complaints Service (FICS) by writing to PO Box 579, Collins Street West, Melbourne VIC 8007 or phoning toll free number 1300 780 808. <span class=SpellE>Lionsgate</span> is a member of this dispute resolution service.<o:p></o:p></span></p> <p>You may also contact the Australian Securities &amp; Investments Commission (ASIC) on 1300 300 630 to make a complaint and obtain information regarding your rights.</p> <p class=subhead>Finance and Loan Services</p> <p>Lifetime Advisers Pty Limited T/As Lifetime Advisers is a Full Member of the Mortgage and Finance Association of Australia (MFAA) and abides by their Code of Ethics and Rules of Professional Conduct.</p> <p>If you have a complaint about the service provided to you, you should take the following action:</p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:81.75pt;text-indent:-18.0pt; line-height:10.5pt;mso-list:l1 level1 lfo8;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: Arial;color:black'><span style='mso-list:Ignore'>1.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'>Contact us and tell us about your complaint.<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:81.75pt;text-indent:-18.0pt; line-height:10.5pt;mso-list:l1 level1 lfo8;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: Arial;color:black'><span style='mso-list:Ignore'>2.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'>If your complaint is not satisfactorily resolved within 10 business days, please contact the Compliance Manager at Choice Aggregation Services Level 1, 250 <span class=SpellE>Charman</span> Road, Cheltenham VIC 3192, Phone 03 9584 2166 or Fax 03 9584 2699, who will thoroughly investigate your complaint and endeavour to finalise the matter promptly and fairly.<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:81.75pt;text-indent:-18.0pt; line-height:10.5pt;mso-list:l1 level1 lfo8;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: Arial;color:black'><span style='mso-list:Ignore'>3.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'>If you are not satisfied with the outcome, you may lodge the matter with the Credit Ombudsman Service Limited (COSL) by writing to PO Box A252 Sydney South NSW 1235 or phoning 02 9273 8455. Lifetime Advisers is a member of this dispute resolution service.<o:p></o:p></span></p> <h1><a name=copyright id=copyright></a><span style='mso-fareast-font-family: "Times New Roman"'>Copyright<o:p></o:p></span></h1> <p>This Site is © 2007 Copyright Lifetime Advisers ABN 73563538283. Except as permitted under the Copyright Act, materials on this Site should not be reproduced stored or transmitted in whole or in part, in any format or by any means, without first obtaining the express written permission of Lifetime Advisers. This Site may also contain materials supplied by <span class=GramE>third parties that is</span> subject to copyright of those third parties or their content providers.<o:p></o:p></p> <h1><a name=insurance id=privacy2></a><span style='mso-fareast-font-family: "Times New Roman"'>Insurance  Zurich <span class=SpellE>Ezicover</span>*<o:p></o:p></span></h1> <p><span class=SpellE>Ezicover</span> Term Insurance, <span class=SpellE>Ezicover</span> Select Term, <span class=SpellE>Ezicover</span> Trauma Insurance, <span class=SpellE>Ezicover</span> Funeral Plan, <span class=SpellE>Ezicover</span> Income Replacement Insurance and <span class=SpellE>Ezicover</span> <span class=SpellE>Needlestick</span> Cover Plus can provide protection and financial security with a financial benefit when needed most.</p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l2 level1 lfo10;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span class=SpellE><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'>Ezicover</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'> Term Insurance pays a lump sum on death or terminal illness (conditions apply). Find out more information or apply for a policy online now.<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l2 level1 lfo10;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span class=SpellE><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'>Ezicover</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'> Select Term Insurance pays a lump sum on death or terminal illness. Select the term that suits you best 5, 10 or 15 years (conditions apply). Find out more information or apply for a policy online now.<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l2 level1 lfo10;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span class=SpellE><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'>Ezicover</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'> Trauma Insurance provides cover on survival of a heart attack, stroke, malignant cancer or coronary artery bypass surgery (conditions apply). Find out more information or apply for a policy online now.<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l2 level1 lfo10;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span class=SpellE><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'>Ezicover</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'> Income Replacement Insurance protects up to 75% of your income if you are unable to work due to sickness or injury (conditions apply). Find out more information or apply for a policy online now.<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l2 level1 lfo10;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span class=SpellE><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'>Ezicover</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'> Funeral Plan provides a lump sum to cover the cost of your funeral. Choice of cover for $5,000, $10,000 or $15,000 (conditions apply). Find out more information or apply for a policy online now.<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l2 level1 lfo10;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span class=SpellE><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black'>Ezicover</span></span><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'> <span class=SpellE>Needlestick</span> Cover Plus provides protection against occupationally acquired HIV, Hepatitis B or Hepatitis C. Find out more information or <span class=GramE>apply</span> for a policy online now.<o:p></o:p></span></p> <p><span class=bold1>Multi-policy discount</span>  Save on management fees when applying for multiple products/lives on one application.</p> <p class=bold>First month s premium free on acceptance.</p> <p>For more information about the range of <span class=SpellE>Ezicover</span> products please call Zurich on 1800 025 015 between 8.30am and 5.00pm EST, Monday to Friday.<br> A Product Disclosure Statement (PDS) for the above products is available by contacting Lifetime Advisers. You should read and consider the PDS before deciding whether to acquire any product mentioned here.<br> * Information provided above is provided by Zurich Australia Limited ABN 92 000 010 195 AFSL 232510 (<span class=bold1>Zurich</span>). The information provided is general only and does not take into consideration your objectives, financial situation or needs. You should consider these factors, together with the PDS before deciding whether to acquire any product mentioned here.<br> Lifetime Advisers acts as referrer for these products only and does not make any recommendation or give any opinion about these products.<br> Lifetime Advisers receives a commission of 20% (plus GST) of each premium paid for referring you to Zurich.</p> <p><a href="#top">TOP</a></p> <h1><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp;<o:p></o:p></span></h1> <p>&nbsp;<o:p></o:p></p> </td> <td width=185 valign=top style='width:138.75pt;background:#CCCCCC;padding: 0cm 0cm 0cm 0cm' background="pics/rightcol_blue.jpg"> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=185 style='width:138.75pt;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="subscribe.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=185 height=57 id="_x0000_i1026" src="pics/subscribe.gif" alt=Subscribe></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="referfriend.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=185 height=55 id="_x0000_i1025" src="pics/referfriend.gif" alt=Refer></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> <p class=bluecolumnheader>Want someone who puts your interests first and offers unbiased advice in comparing loans, insurance and tax planning?</p> <p class=bluecolumncopy>As licensed financial planners we incorporate your insurance needs into your overall financial planning and loan needs. We ll tell you about the different types of insurance on offer - and the policies that are right for you.</p> <p class=bluecolumncopy><a href="mailto:info@lifetimeadvisers.com.au?subject=Web%20Enquiry"><span style='color:white'>Contact us today</span></a></p> </td> </tr> <tr style='mso-yfti-irow:2;mso-yfti-lastrow:yes;height:37.5pt'> <td colspan=3 style='background:#CC0000;padding:0cm 0cm 0cm 0cm;height:37.5pt'> <p class=MsoNormal align=center style='margin-left:11.25pt;text-align:center'><span style='font-size:9.5pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:white'>Lifetime Advisers Pty Limited is a Corporate Authorised Representative of <span class=SpellE>Lionsgate</span> Financial Group Pty Ltd ABN 92 140 591 484. Australian Financial Services License 342766. Copyright 2012. <a href="http://www.s2.com.au/" target="_blank"><span style='color:white'>Original site by S2 Design</span></a></span><span style='font-size:7.5pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:white'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p> </div> </body> </html>