Below are the third party terms and conditions of our data providers. They form part of the agreement we have with our customers.

Chant West third party terms and conditions

The below text must be included in any output produced by AdviceOS that uses Chant West data.

© Zenith CW Pty Ltd ABN 20 639 121 403 (Chant West), Authorised Representative of Zenith Investment Partners Pty Ltd ABN 27 103 132 672, AFSL 226872 under AFS Representative Number 1280401 2021. Chant West provides the insurance premium and product features data underlying this tool but is not responsible for the manner it which it is presented to users in the tool itself.  The data provided by Chant West is based on information supplied by third parties and does not contain all the information required to evaluate the nominated service providers, you are responsible for obtaining further information as required. The data provided by Chant West does not constitute financial product advice. However, to the extent that this data is advice it is General Advice (s766B Corporations Act) and Chant West has not taken into account the objectives, financial situation or needs of any specific person who may access or use this data. It is not a specific recommendation to purchase, sell or hold any product(s) and is subject to change at any time without prior notice. Individuals should consider the appropriateness of any advice in light of their own objectives, financial situations or needs and should obtain a copy of and consider any relevant PDS or offer document before making any decision. Data is provided in good faith and is believed to be accurate, however, no representation, warranty or undertaking in relation to the accuracy or completeness of the data is provided. Data provided is subject to copyright and may not be reproduced, modified or distributed without the consent of the copyright owner. Except for any liability which can not be excluded, Chant West does not accept any liability whether direct or indirect, arising from use of this data. Past performance is not an indication of future performance. Full details regarding Chant West’s research methodology, processes, ratings definitions are available at and Chant West’s Financial Services Guide is available at

Australian Stock Exchange(ASX) Data Disclaimer

Where users access and utilise ASX data through AdviceOS on screen and in any reports created, the following disclaimer applies:

Some of this material is copyright and is reproduced under licence by Australian Stock Exchange Limited, ACN 008 624 691. Australian Stock Exchange Limited, its related companies and their officers employees are not associated with, and should not be construed as endorsing, promoting or expressing any opinion about, nor be under any liability for any loss arising in connection with, Midwinter Financial Services Pty Limited (ACN 121 020 620)(Midwinter), the contents of the internet site known as AdviceOS (or the contents of any other site to which one can link from AdviceOS) or any of Midwinter’s products or services.

Australian Stock Exchange Limited, its related companies, their officers and employees shall not be liable in any way for any loss or damage, howsoever arising (whether in negligence or otherwise) out of or in connection with the contents of and/or any omissions from this communication except where a liability is made non-excludable by legislation.

Morningstar Australasia Pty Ltd third party terms and conditions

Where Morningstar data, reports or other information is extracted from AdviceOS by the customer or user, the following attribution/disclaimer must be included:

Disclaimer – ©2022 Morningstar, Inc. All rights reserved. Neither Morningstar, its affiliates, nor the content providers guarantee the data or content contained herein to be accurate, complete or timely nor will they have any liability for its use or distribution. Any general advice or ‘regulated financial advice’ under New Zealand law has been prepared by Morningstar Australasia Pty Ltd (ABN: 95 090 665 544, AFSL: 240892) and/or Morningstar Research Ltd, subsidiaries of Morningstar, Inc, without reference to your objectives, financial situation or needs. For more information refer to our Financial Services Guide (AU) and Financial Advice Provider Disclosure Statement (NZ) at and You should consider the advice in light of these matters and if applicable, the relevant Product Disclosure Statement before making any decision to invest. Our publications, ratings and products should be viewed as an additional investment resource, not as your sole source of information. Past performance does not necessarily indicate a financial product’s future performance. To obtain advice tailored to your situation, contact a professional financial adviser. Some material is copyright and published under licence from ASX Operations Pty Ltd ACN 004 523 782.

Omnium Technologies Pty Ltd third party terms and conditions

Where users access and utilise Omnium data through AdviceOS on screen and in any reports created, the following disclaimer applies:

This Illustration is based on the personal information supplied by you at the date of this illustration. The feature data shown are not guaranteed. They are applicable only at the date of this illustration based upon stated benefit levels and may be varied in the future. This illustration is not an offer of insurance. 

The data and values are subject to approval by the relevant insurance company following receipt of a completed application form. This document is provided as an illustration only and is subject to change. Please refer to the insurance company product disclosure statement for full details of insurance offered and the terms and conditions which apply. 

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