Terms of Service
Last updated: 1 July 2025
These Terms of Service ("Terms") govern your access to and use of the website https://shminvestmentsgroup.site and any investment and wealth management services provided by SHM Investments Group Pty Ltd (ABN 51 702 578 621) ("we", "us", "our"). By using this website or engaging our services, you agree to be bound by these Terms. If you do not agree, please discontinue use of this website.
1. Contact and Notices
All enquiries, notices and formal communications must be directed to us by email at ceo@shminvestmentsgroup.site. We are based in Perth, Western Australia, and provide services to clients across the Perth metropolitan area and greater Western Australia.
2. Our Services
We provide investment and wealth management services, which may include portfolio strategy discussion, investment planning support, wealth structuring guidance and ongoing portfolio reviews. The exact scope of services for each client is set out in the individual engagement documents, proposals or statements of work agreed between you and us.
Nothing on this website constitutes an offer to provide services. A binding engagement arises only when both parties have agreed in writing (including by email) to the scope, fees and terms of that engagement.
3. General Information Only — Not Personal Financial Advice
The content published on this website, including articles, guides and market commentary, is general in nature only. It has been prepared without taking into account your personal objectives, financial situation or particular needs. You should consider the appropriateness of any general information having regard to your own circumstances before acting on it, and seek independent professional advice where appropriate.
Any engagement involving financial product advice or dealing in financial products will be conducted in accordance with the applicable requirements of the Corporations Act 2001 (Cth) and related Australian financial services licensing laws. Where we act alongside licensed advisers or referral partners, their own disclosure documents will apply to that portion of the engagement.
4. Eligibility
Our services are available to individuals who are at least 18 years of age, as well as to companies, trusts, self-managed superannuation funds and other entities lawfully constituted in Australia. You warrant that any information you provide to us is accurate, complete and not misleading, and that you are legally authorised to engage us on behalf of any entity you represent.
5. Quotes, Proposals and Engagement
Quotes and proposals provided by us are valid for 30 days from the date of issue unless otherwise stated in writing. A quote is indicative until the scope of work has been confirmed. We reserve the right to decline or withdraw any quote, or to revise a quote, where the scope of work changes materially or where information provided to us proves to be inaccurate.
6. Fees, Invoicing and Payment
Fees for our services will be set out in your engagement documents. Unless otherwise agreed in writing:
- Invoices are payable within 14 days of the invoice date.
- All amounts are quoted in Australian dollars (AUD) and include GST where applicable.
- Overdue amounts may accrue interest at a rate reasonably determined by us, and we may suspend services until outstanding amounts are paid.
- Third-party costs (such as custodial, platform, legal or valuation fees) incurred with your consent are payable in addition to our fees.
7. Client Obligations
You agree to:
- Provide complete and accurate information reasonably required for us to perform the services.
- Respond to requests for information and documentation in a timely manner.
- Comply with all applicable laws, including taxation and anti-money laundering laws.
- Notify us promptly of any material change in your circumstances that may affect the services.
8. Privacy
We handle personal information in accordance with our Privacy Policy and the Privacy Act 1988 (Cth). By engaging our services, you consent to the collection, use and disclosure of your personal information as described in that policy.
9. Intellectual Property
All content on this website, including text, graphics, logos and design, is owned by or licensed to SHM Investments Group Pty Ltd and is protected by Australian and international copyright laws. You may not reproduce, distribute or create derivative works from this content without our prior written consent, other than for your own personal, non-commercial reference.
10. Third-Party Links and Content
This website may contain links to third-party websites or resources. These links are provided for convenience only. We do not endorse, and accept no responsibility for, the content, accuracy or practices of any third-party website. Your use of third-party websites is at your own risk and subject to their own terms.
11. Investment Risk Warning
All investments carry risk, including the possible loss of principal. Past performance is not a reliable indicator of future performance. Any projections, forecasts or illustrative returns presented by us or on this website are estimates only and are not guarantees. You remain responsible for your own investment decisions, and you should carefully consider whether any strategy is appropriate for your circumstances.
12. Limitation of Liability
To the maximum extent permitted by law, we exclude all liability for indirect, incidental, special or consequential loss or damage, including loss of profits, loss of data or loss of opportunity, arising from your use of this website or our services.
Where liability cannot lawfully be excluded, our total aggregate liability is limited, at our option, to the resupply of the relevant services or the cost of resupplying them, or, in relation to goods, to the repair or replacement of those goods or the cost of their repair or replacement.
13. Australian Consumer Law
Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy that you may have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other applicable legislation. Our services come with guarantees that cannot be excluded under the Australian Consumer Law, including guarantees that services will be rendered with due care and skill and will be reasonably fit for purpose. These Terms must be read subject to those non-excludable rights.
14. Termination and Suspension
Either party may terminate an engagement in accordance with the notice period set out in the applicable engagement documents, or immediately where the other party commits a material breach that remains unremedied 14 days after written notice. Upon termination, you remain liable for all fees and disbursements incurred up to the date of termination.
15. Force Majeure
We are not liable for any delay or failure to perform our obligations where that delay or failure is caused by events beyond our reasonable control, including natural disasters, pandemic, industrial action, cyber incidents, failure of utilities or changes in law.
16. Amendments to These Terms
We may update these Terms from time to time. The current version will always be published on this page with a revised "Last updated" date. Continued use of this website or our services after changes take effect constitutes acceptance of the updated Terms. Material changes affecting active engagements will be communicated to affected clients in writing.
17. Governing Law and Jurisdiction
These Terms are governed by the laws of Western Australia and the Commonwealth of Australia. The parties submit to the exclusive jurisdiction of the courts of Western Australia and any courts competent to hear appeals from those courts.
18. Severability
If any provision of these Terms is found to be invalid, illegal or unenforceable, that provision will be severed and the remaining provisions will continue in full force and effect.
19. Entire Agreement
These Terms, together with our Privacy Policy and any signed engagement documents, constitute the entire agreement between you and SHM Investments Group Pty Ltd regarding the subject matter, and supersede all prior discussions, representations or agreements, whether written or oral.
20. Questions About These Terms
If you have any questions about these Terms of Service, please contact us at ceo@shminvestmentsgroup.site or via our Contact page.