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The material on this web site is only to provide you with general information and eductional information for discussion purposes only. It does not constitute legal or financial investment advice and your use of the material on this web site does not give rise to any obligation on behalf of Prosperity Exchange (Int) Pty Ltd., NC Smart Money Pty Ltd., Smart Property Investments Pty Ltd. and NC Smart Money (Aust) Pty Ltd. or any author of any material on the web site. Neither of the companies are licensed financial planners although NC Smart Money Pty Ltd. is a qualified Finance Broker.

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As far as is permitted by law, Prosperity Exchange (Int) Pty Ltd., NC Smart Money Pty Ltd., Smart Property Investments Pty Ltd. and NC Smart Money (Aust) Pty Ltd. excludes all liability to third parties arising directly or indirectly out of their use or reliance on materials contained in this web site. Specifically, Prosperity Exchange (Int) Pty Ltd., NC Smart Money Pty Ltd., Smart Property Investments Pty Ltd. and NC Smart Money (Aust) Pty Ltd. does not warrant that the files contained in or referred to in this web site are free of viruses or other defects. If that liability cannot, by law, be excluded, the liability of Prosperity Exchange (Int) Pty Ltd., NC Smart Money Pty Ltd., Smart Property Investments Pty Ltd. and NC Smart Money (Aust) Pty Ltd.will be limited to replacing the defective file.