Personal Information

By accessing this website you agree to be bound by the terms and conditions below. These terms and conditions are subject to change. We will notify you of amendments to these terms and conditions by posting them to the website. Do not access this website if you do not agree with these terms and conditions.

Unauthorised use of Ryan Ansell Investment Solutions website and systems including but not limited to unauthorised entry into Ryan Ansell Investment Solutions systems, misuse of passwords, or misuse of any information posted to a website, is strictly prohibited.

Internet Website Providers

This Internet Website and information and services referred to in the website (collectively, the "Website") are directed to and available for Australian residents. The Website is made available in Australia through Ryan Ansell Investment Solutions, ABN 19820182782.

Web Content and Materials

The information on this Website is for information purposes only. It is believed to be reliable, but Ryan Ansell Investment Solutions does not warrant its completeness, timeliness or accuracy.

The information and materials contained in this Website - and the terms and conditions of the access to and use of such information and materials - are subject to change without notice.

This rainvestments.com.au Website may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for the relevant sections or pages. In addition, certain portions or pages of this Website are subject to additional disclosures and disclaimers. In the event of a conflict between those disclosures and disclaimers and these terms and conditions, the additional disclosures and disclaimers will govern those portions or pages.
You agree that: (i) you will not engage in any activities related to the Website that are contrary to applicable law, regulation or the terms of any agreements you have with Ryan Ansell Investment Solutions and (ii) in circumstances where locations of the Website require identification for access, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorised individuals.

Ryan Ansell Investment Solutions or their suppliers may discontinue or make changes in the information, products, or services described herein at any time without prior notice to you and without any liability to you. Any dated information is published as of its date only, and Ryan Ansell Investment Solutions does not undertake any obligation or responsibility to update or amend any such information. Ryan Ansell Investment Solutions reserves the right to terminate any or all Website information, offerings or transmissions without prior notice to the user.

Confidentiality and Privacy

Ryan Ansell Investment Solutions shall use reasonable precautions to maintain the confidentiality of the information you have provided to Ryan Ansell Investment Solutions and any information you have created, input or developed in connection with your use of the Website, but because such information can be accessed through the Internet, you hereby acknowledge and agree that there can be no assurance that the information, or any information provided to you through the Website, or any communication through email, will remain secure. In addition, Ryan Ansell Investment Solutions may disclose such information to its employees, representatives, officers, agents, and affiliates, as well as a government entity, or any third party agent or service provider: (a) for any purposes related to the conduct of Ryan Ansell Investment Solutions business or to the offering, providing or maintaining of the Website, (b) to comply with applicable rules, orders, subpoenas or other legal processes or as required by any government agency or official requesting such information, or (c) for any other legitimate business purpose.

You acknowledge that Ryan Ansell Investment Solutions may disclose and transfer any information that you provide through this Website to: (i) any company within the Ryan Ansell Investment Solutions group, its affiliates, agents or information providers; (ii) any other person or entity with your consent; or (iii) if we have a right or duty to disclose or are permitted or compelled to so disclose such information by law.
You consent to the transmission, transfer or processing of such information to, or through, any country in the world, as we deem necessary or appropriate, and by using and providing information through this Website you agree to such transfers.

Use of this Website may be monitored, tracked and recorded. Anyone using this Website expressly consents to such monitoring, tracking and recording.

Financial Product Information and Disclosure

This Website has been prepared for and is given for general information only. As general information, there is no consideration or evaluation of the investment objectives or financial situation of any particular person. All investors should make their own evaluation of the merits and suitability of any financial products and/or advice or seek specific personal advice as to the appropriateness of engaging in any activity referred to in this Website in light of their own particular financial circumstances and objectives.
The Website does not amount to a representation that the investment services and products will be made available to you.

Nothing in the Website constitutes an offer, a solicitation of an offer or a recommendation to buy or sell any Financial Product which may be referenced in the Website, except where an offer is explicitly made through the availability of a prospectus, product disclosure statement or other formal offer or disclosure document on the Website. Such offers can only be made where lawful under applicable law.

Any price indications or market quotations are provided solely for your information. Such prices, bids or quotations are not firm bids or offers either as to price or size and may not reflect current prices, due to delays in transmission or otherwise. Nothing in the Website shall form the basis of or be relied on in connection with any contract or commitment whatsoever and the prices quoted may differ from the price at which a person may buy or sell the particular Financial Product.

You should also read our Financial Services Guide ("FSG") and Financial Services Guide Attachment ("FSGA") which provides you with information about us and the services we provide.

Ryan Ansell Investment Solutions receives commission from dealing in financial products and its representatives, authorised representatives or introducers may directly share in this commission. Ryan Ansell Investment Solutions and its associates may hold shares in the companies recommended. Ryan Ansell Investment Solutions may receive a handling fee/underwriting fee from an issuer in relation to subscription for shares in new issues. Other arrangements made by your adviser with regard to investment products, trusts or accounts may result in a fee being paid by the issuing institution.

Access to Research

While the Website might include summary material derived from research reports published by Ryan Ansell Investment Solutions, it does not constitute a research report, and any reference to a research report or research recommendation is not intended to represent the whole report and is not in itself considered a recommendation or research report. Users are directed to the original research report or note, available from us, or on-line research where access is provided.
Availability of Internet Website

By offering this Website and information, products, or services via the Website, no distribution or solicitation is made by Ryan Ansell Investment Solutions to any person to use the Website or such information, products, or services in jurisdictions where the provision of the Website and such information, products, services is prohibited by law.

Potential Disruption of Service

Access to the Website may from time to time be unavailable, delayed, limited or slowed due to, among other things:
" hardware failure, including among other things failures of computers (including own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment;
" software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content;
" overload of system capacities;
" damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, acts of God, accidents, fire, water damage, explosions, mechanical breakdown or natural disasters;
" interruption (whether partial or total) of power supplies or other utilities of service;
" strike or other stoppage (whether partial or total) of labour;
" governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention, or;
" any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of Ryan Ansell Investment Solutions.

If access to the Website is unavailable, delayed or limited, or if this Website does not operate quickly or efficiently, you may be unable to transmit your instructions, transactions and other matters, or such instructions may not be promptly executed or you may be unable to retrieve information on a timely basis. Accordingly, you agree that you will not use the Website or Email for the communication of any instructions to Ryan Ansell Investment Solutions that are critical or time sensitive. Ryan Ansell Investment Solutions will not be required to act upon any such types of instructions and will not be liable for any actions taken or omissions to act as a result of any communication from the Website or E-mail message you send to Ryan Ansell Investment Solutions. If your operations depend on such communications with Ryan Ansell Investment Solutions, and such communications are disrupted or delayed, you may suffer losses.
You agree to be solely responsible for the installation, operation and maintenance of the hardware and software necessary to access the Website.

Limitation of Liability

Because of the possibility of human and mechanical error as well as other factors, the Website (including all information and materials contained on the Website) is provided 'as is' 'as available'.
Ryan Ansell Investment Solutions and third party data providers are not providing any warranties and representations regarding this Website. Ryan Ansell Investment Solutions and third party data providers disclaim all warranties and representations of any kind with regard to the Website, including any implied warranties of merchantability, non-infringement of third party rights, freedom from viruses or other harmful code, or fitness for a particular purpose. Ryan Ansell Investment Solutions and third party data providers do not warrant the accuracy, adequacy, or completeness of the information and materials contained on the Website and expressly disclaim liability for errors or omissions in the materials and information.
Furthermore, Ryan Ansell Investment Solutions and its affiliates will not be liable for any delay, difficulty in use, computer viruses, malicious code or other defect in this Website any incompatibility between the Website and the user's files and the user's browser or other Website accessing program, or any other problems experienced by the user due to causes beyond Ryan Ansell Investment Solutions and its affiliates' control.

No licence to the user is implied in these disclaimers. Nothing herein shall be construed as limited or reducing Ryan Ansell Investment Solutions responsibilities and obligations to clients in accordance with applicable laws and regulations. Under no circumstances will Ryan Ansell Investment Solutions be liable for any lost profits, lost opportunity or any indirect, consequential, incidental, special, punitive, or exemplary damages arising out of any use of or inability to use the Website or any portion thereof, regardless of whether Ryan Ansell Investment Solutions has been apprised of the likelihood of such damages occurring and regardless of the form of action, whether in contract, warranty, tort (including negligence), strict liability or otherwise.

Links to Other Websites

Links to non-Ryan Ansell Investment Solutions Websites may be provided solely as pointers to information on topics that may be useful to users of the Ryan Ansell Investment Solutions Website, and Ryan Ansell Investment Solutions has no control over the content on such non-Ryan Ansell Investment Solutions Websites. If you choose to link to a Website not controlled by Ryan Ansell Investment Solutions, Ryan Ansell Investment Solutions does not make warranties, either express or implied, concerning the content of such Websites, including the accuracy, completeness, reliability, or suitability thereof for any particular purpose, nor does Ryan Ansell Investment Solutions warrant that such Websites or content are free from any claims of copyright, trademark, or other infringement of the rights of third parties, or that such Websites or content are devoid of viruses or other contamination.

Ryan Ansell Investment Solutions does not guarantee the authenticity of documents on the Internet. Links to non-Ryan Ansell Investment Solutions Websites do not imply any endorsement of or responsibility for the opinions, ideas, products, information, or services offered at such Websites, or any representation regarding the content at such Websites.

Copyright Notices

The works of authorship contained in the rainvestments.com.au Website ( the "Website" ), including but not limited to all design, text, sound recordings, and images are owned, except as otherwise expressly stated, by Ryan Ansell Investment Solutions. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed ( for compensation or otherwise ), licensed, altered, framed, stored for subsequent use, or otherwise used in whole or in part in any manner without Ryan Ansell Investment Solutions prior written consent.

Legal Entity Disclosure

This Website has been issued and approved for access by Ryan Ansell Investment Solutions.

Complaints

“Complaints”

If you have any complaints regarding the information on this Website you should contact either the Practice Manager at Ryan Ansell Investment Solutions or the Responsible Manager at Ansell Financial Pty Ltd. Ryan Ansell and Grant MacNeill are Authorised Representatives of Ansell Financial Pty Ltd ABN 22 160 544 294. Ansell Financial Pty Ltd is holder of Australian Financial Services License (AFSL) 430 572. Ansell Financial Pty Ltd is a member of the Financial Ombudsman Service Limited, member number 31657.


Governing Law

In the event any of the terms or provisions of these Terms and Conditions shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired. The unenforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. These Terms and Conditions shall be subject to any other agreements you have entered into with Ryan Ansell Investment Solutions.
The user's access to and use of the Website, and the terms of this disclaimer are governed by the laws of New South Wales.

This Website content is for information purposes only. Although the content is intended to be reliable, Ryan Ansell Investment Solutions does not warrant its completeness, timeliness or accuracy.

The information and materials contained in this Website (and the terms and conditions of its access and use) are subject to change without notice.

This Website may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for the relevant sections or pages. In addition, certain portions or pages of this Website are subject to additional disclosures and disclaimers. In the event of a conflict between those disclosures and disclaimers and these terms and conditions, the additional disclosures and disclaimers will govern those portions or pages.

You agree that:

(i) you will not engage in any activities related to the Website that are contrary to applicable law, regulation or the terms of any agreements you have with Ryan Ansell Investment Solutions and

(ii) in circumstances where locations of the Website require identification for access, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorised individuals.


Ryan Ansell Investment Solutions (or their suppliers) may make changes or discontinue content, products, or services described herein at any time without prior notice to you and without any liability to you.

Any dated information is published as of that date only. Ryan Ansell Investment Solutions does not undertake any obligation or responsibility to update or amend any such information. Ryan Ansell Investment Solutions reserves the right to terminate any or all Website content, offerings or transmissions without prior notice to the user.

 



Personal Information

When dealing with Ryan Ansell Investment Solutions, you provide us with personal information such as your full name, address and telephone numbers. Other personal information collected may include proof of identity, personal financial details, and tax file numbers. Naturally we consider this information to be confidential and take all reasonable steps to protect it under Ryan Ansell Investment Solutions Privacy Policy.

Purpose of Collecting Personal Information

The primary purpose of collecting personal information is for opening and maintaining an account for you (including facilitating distribution of payments and relevant corporate communications). The information may also be used for the secondary purposes of providing you with information about other products and services offered by Ryan Ansell Investment Solutions, related parties or other organisations. If at any time you do not wish to receive information about other products and services, please inform us in writing.

Disclosure to Third Parties

Your personal information may be disclosed to related parties of Ryan Ansell Investment Solutions, government agencies, agents and contractors including print service providers and mail houses, our insurers, as required by law and any person to the extent necessary, in our view, in order to carry out your instructions.

It is not compulsory to provide certain personal information requested by us. However, if some of the personal information is not provided by you, we may not be able to open an account for you.

Access to Your Information

You can correct and update the personal information we hold about you by contacting Ryan Ansell Investment Solutions.

If you wish to access and review personal information, you must submit a written request outlining the relevant terms of reference. We will endeavour to process and respond to requests in a timely manner

Ryan Ansell Investment Solutions

Phone 02 4942 1444

Fax 02 4943 6772

Email ryan@rainvestments.com.au

Suite 8 / 20 Smith Street, Charlestown NSW 2290

PO Box 183, Charlestown NSW 2290

Ansell Financial Pty Ltd

ABN 22 160 544 294 AFSL 430 572

 

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When you retire and know that you have to live on your hard earned money for the next 30 years you suddenly get cold shivers up and down your spine. Luckily for us, having Ryan as our Financial Advisor, we can actually sleep at night knowing that our money is in safe hands. Ryan is the most approachable advisor who actually speaks on a level that we can understand and keeps us informed of any opportunities he thinks would benefit us. So for us retirement has been an easy adjustment, with us feeling confident that we will be able to live comfortably and do the many things we had always dreamed of after working extremely hard during our working life.

Thank you Ryan for your friendly approach and professionalism that makes Ryan Ansell Investment Solutions unique and a trustworthy business which is so important to us, as you are looking after our income that will sustain us for the rest of our lives.

Stan & Loris Hope - Wallsend

 

Liability limited by a scheme approved under Professional Standards Legislation

Ansell Financial Pty Ltd ABN 22 160 544 294 AFSL 430 572

Authorised Representative – Ryan Ansell (Number 264 235)