Last updated: July 2026

1. Introduction

Welcome to the Silverloom Advisory Group website. These Terms of Use ("Terms") govern your access to and use of this website. Please read them carefully.

These Terms apply to your use of the website only. They do not form part of, or replace, the terms on which we provide financial services to you. The financial services relationship is governed separately by our Financial Services Guide (FSG), any engagement or service agreement, and any Statement of Advice or Record of Advice we provide to you.

2. Acceptance of these Terms

By accessing or using this website, you agree to be bound by these Terms. If you do not agree with these Terms, you must not use this website. You must be at least 18 years of age to use this website and our services.

3. About us and our Australian Financial Services Licensee

This website is operated by Silverloom Advisory Group Pty Ltd.

Silverloom Advisory Group Pty Ltd is a Corporate Authorised Representative (CAR No. 1310731) of Core Advice Collective Pty Ltd (ABN 11 647 179 771), the holder of Australian Financial Services Licence No. 700341. Anthony Zaman is an Authorised Representative (AR No. 1285828) of Core Advice Collective Pty Ltd.

Any financial services described on this website are provided under the authority of Core Advice Collective Pty Ltd's Australian Financial Services Licence.

4. Nature of information on this website

The information available on this website is of a general nature only. It has been prepared without taking into account your personal objectives, financial situation or needs. It does not constitute personal financial advice and must not be relied upon as such.

Before acting on any information on this website, you should consider its appropriateness having regard to your own objectives, financial situation and needs, and obtain personal financial advice from Silverloom Advisory Group or another licensed financial adviser. Where information on this website relates to a particular financial product, you should obtain and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making any decision about that product.

5. No guarantee of performance

Any examples, projections, illustrations or references to past performance on this website are provided for general information only. Past performance is not a reliable indicator of future performance. Silverloom Advisory Group does not guarantee the performance of any financial product or investment strategy, or any particular rate of return. All investment involves risk, including the possible loss of capital.

6. Financial Services Guide

Our Financial Services Guide (FSG) contains important information about the financial services we provide, how we and our representatives are remunerated, our associations and relationships, and how to make a complaint. We recommend that you read our FSG before engaging our services. A copy of our current FSG is available on this website or on request.

7. Changes to these Terms

We may update or amend these Terms from time to time. Any changes take effect when the updated Terms are posted on this page. Your continued use of the website after changes are posted constitutes your acceptance of the amended Terms. We recommend that you review these Terms periodically.

8. Use of the website

You may use this website only for lawful purposes and in accordance with these Terms. You must not:

• use the website in any way that breaches any applicable law or regulation;
• attempt to gain unauthorised access to the website, the server on which it is stored, or any connected server, computer or database;
• introduce any virus, malware or other malicious or harmful code, or otherwise compromise the security of the website;
• use any automated system (including robots, spiders, scrapers or data-harvesting tools) to access, copy or collect content or data from the website without our prior written consent; or
• use the website in any manner that could damage, disable, overburden or impair it, or interfere with any other party's use of it.

9. Account registration and bookings

Where this website allows you to register an account, or to submit a booking or enquiry, you agree to provide accurate and current information and to keep any login details secure and confidential. You are responsible for all activity that occurs under your account, and you must notify us promptly of any unauthorised use.

10. Intellectual property

All content on this website — including text, graphics, logos, images, audio, video, layout and design — is owned by or licensed to Silverloom Advisory Group and is protected by Australian and international intellectual property laws. The "Silverloom Advisory Group" name and logo are trade marks of Silverloom Advisory Group.

You may view, download and print content from this website for your own personal, non-commercial use only. You must not otherwise reproduce, adapt, distribute, publish, transmit or commercially exploit any content from this website without our prior written consent.

11. Content you submit

If you submit or upload any content to this website (for example, through an enquiry or booking form), you grant Silverloom Advisory Group a non-exclusive, royalty-free licence to use that content for the purpose of responding to your enquiry and providing our services. You are responsible for ensuring that any content you submit is accurate and does not infringe the rights of any third party.

12. Third-party links

This website may contain links to third-party websites and resources. These links are provided for your convenience only. We do not control, endorse or accept responsibility for the content, products or services of any third-party website, and your access to and use of those websites is at your own risk and subject to their terms.

13. Privacy

We handle your personal information in accordance with our Privacy Policy and the Australian Privacy Principles contained in the Privacy Act 1988 (Cth). Please read our Privacy Policy to understand how we collect, use, store and disclose your personal information.

14. Website availability

We aim to keep this website available at all times, but we do not guarantee that it will be uninterrupted, secure or free from error. We may suspend, withdraw, restrict or discontinue all or part of the website for operational, maintenance or other reasons, with or without notice.

15. Disclaimers

While we take reasonable care in preparing the content on this website, we do not warrant that it is accurate, complete, current or free from error. Information may change without notice and we are under no obligation to update it. To the extent permitted by law, the website and its content are provided "as is" and "as available", without warranty of any kind.

16. Limitation of liability

Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy conferred on you by the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) or any other applicable law that cannot lawfully be excluded or limited.

Subject to the paragraph above, and to the maximum extent permitted by law:

• we exclude all warranties, representations and guarantees (whether express, implied or statutory) that are not expressly set out in these Terms;
• we will not be liable to you for any indirect, special or consequential loss, or for any loss of profit, revenue, data, opportunity or goodwill, arising out of or in connection with your use of (or inability to use) this website, or your reliance on any content on it; and
• where our liability cannot be excluded but can be limited, our liability is limited, at our option, to resupplying the relevant services or paying the cost of having the relevant services resupplied.

17. Indemnity

To the maximum extent permitted by law, you agree to indemnify and hold harmless Silverloom Advisory Group Pty Ltd, Core Advice Collective Pty Ltd, and their respective directors, officers, employees and representatives, from and against any claims, liabilities, losses, costs and expenses arising out of or in connection with your breach of these Terms or your misuse of this website.

18. Complaints and dispute resolution

If you have a complaint about the financial services provided by Silverloom Advisory Group, please refer to the complaints process set out in our Financial Services Guide and Privacy Policy. Complaints are handled through our internal dispute resolution process and, where they remain unresolved, may be referred to the Australian Financial Complaints Authority (AFCA), our external dispute resolution scheme:

• Telephone: 1800 931 678 (free call)
• Email: info@afca.org.au
• Website: http://www.afca.org.au
• In writing: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

Any dispute arising in connection with these Terms or your use of this website that is not a financial services complaint will be subject to the non-exclusive jurisdiction of the courts of New South Wales.

19. Governing law and jurisdiction

These Terms are governed by the laws of New South Wales, Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales and the courts competent to hear appeals from them.

20. General

If any provision of these Terms is found to be invalid or unenforceable, that provision will be severed and the remaining provisions will continue in full force and effect. Our failure to enforce any provision is not a waiver of that provision. You may not assign or transfer your rights under these Terms without our prior written consent. These Terms constitute the entire agreement between you and Silverloom Advisory Group regarding your use of this website.

21. Contact us

If you have any questions about these Terms of Use, please contact us:

Silverloom Advisory Group Level 57/25 Martin Place, Sydney NSW 2000 Telephone: 1800 960 906 Email: contact@silverloom.com.au

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Licensee

Silverloom Advisory Group Pty Ltd is a Corporate Authorised Representative (CAR No. 1310731) of Core Advice Collective Pty Ltd (ABN 11 647 179 771), which holds Australian Financial Services Licence No. 700341. Anthony Zaman is an Authorised Representative (AR No. 1285828) of Core Advice Collective Pty Ltd.