Legal Disclaimer

About This Legal Disclaimer

Welcome to OMS (“we”, “us”, or “our”). By accessing or using our website, you acknowledge that you have read, understood, and agree to this Legal Disclaimer.

If you do not agree with any part of this Disclaimer, please do not use our website.

OMS is an Australian website that provides general information about financial topics relevant to older Australians and their families, including the Age Pension, Retirement Living, the Support at Home program, and Commonwealth regulated Residential Care.

We are committed to providing accurate, clear and practical information. However, we do not offer personal financial advice or professional services of any kind.

General Information Only

All content on our website is provided for general information purposes only. The information is not intended to be financial, legal, investment, accounting, or taxation advice, nor is it a substitute for independent advice that takes into account your personal circumstances.

Information provided on our website may not be suitable for your individual needs or circumstances. You should always seek advice from an appropriately qualified professional before making any financial decisions, applying for government payments, entering into contracts, or making any decisions related to aged care accommodation or services.

No Client Relationship

Use of this website or communication with OMS does not create any financial adviser-client, legal adviser-client, or other professional relationship between you and us. We are not licensed financial advisers, nor do we hold an Australian Financial Services Licence (AFSL). We do not provide recommendations or statements of opinion intended to influence you in making decisions about financial products or services.

No Warranties or Representations

While we make every effort to ensure that the information on our website is accurate and up-to-date at the time of publication, we make no representations or warranties, express or implied, regarding:

• The accuracy, reliability, currency, completeness, or suitability of the information;
• That the website or any content will always be available, free from errors, viruses, or other harmful components;
• That any errors or omissions will be corrected in a timely manner.

Use of any information or materials on this site is entirely at your own risk. We accept no responsibility or liability for any loss or damage you may suffer as a result of relying on the information provided.

Limitation of Liability

To the fullest extent permitted by Australian law, OMS and its owners, employees, contractors and agents disclaim all liability for any loss, damage, cost, or expense incurred by you or any other person arising from any use of or reliance on the information contained on this website or any linked site. This includes, but is not limited to, direct, indirect, incidental, consequential, punitive, or special damages, whether in contract, tort (including negligence), equity, statute, or otherwise.

You agree to indemnify and hold harmless OMS from any claims, demands, or damages arising out of your use of the website or your breach of this Disclaimer or any other terms and conditions.

Accuracy and Updates

We aim to provide information that is current and accurate at the time of publication. However, laws, government policies, and financial arrangements can change without notice, and we cannot guarantee that all information will remain up-to-date at all times.

We encourage you to check relevant government websites, official sources, and consult with appropriate professionals before relying on any information contained on our website.

External Links

Our website may contain links to other websites operated by third parties. These links are provided for your convenience and do not constitute an endorsement of the content, products, services, or information offered by those sites.

We are not responsible for the content, privacy practices, or accuracy of any external websites. You access third-party websites at your own risk, and you should review the terms and conditions and privacy policies of those sites before using them.

Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, audio clips, video clips, digital downloads, and data compilations, is the property of OMS or its content suppliers and is protected by Australian and international copyright laws.

You may view, download, and print content for your personal, non-commercial use only, provided you do not remove any copyright or proprietary notices. You may not modify, reproduce, distribute, or commercially exploit any content from this website without our prior written consent.

Jurisdiction and Governing Law

This Disclaimer is governed by and construed in accordance with the laws of the State or Territory in which OMS operates (Australia). By using this website, you submit to the exclusive jurisdiction of the courts of that State or Territory.

No Warranties About Website Availability

We do not guarantee that our website will be available at all times or that access will be uninterrupted. We may suspend or terminate access to the website at any time for any reason without notice. We accept no liability for any loss or inconvenience you may suffer if our website becomes unavailable.

No Endorsement

Mention of any company, organisation, product, or service on this website does not constitute an endorsement or recommendation by OMS, unless expressly stated otherwise. We do not accept responsibility for the actions or services of any third party referenced on our website.

No Guarantees About Suitability

Our website is intended for use by Australian residents. We make no representation that the information on our site is appropriate or available for use in other jurisdictions. If you access our website from outside Australia, you do so at your own risk and you are responsible for compliance with local laws.

User Responsibility

It is your responsibility to evaluate the accuracy, completeness, and usefulness of any information provided and to seek professional advice when appropriate. Always read relevant legislation, government guidance, and consult independent professionals before making financial, legal, or lifestyle decisions.

Changes to This Disclaimer

We may update this Legal Disclaimer from time to time to reflect changes in our content, laws, or practices. The most current version will always be available on our website. We recommend that you review this page regularly to stay informed about your rights and obligations when using our website.

Contact Us

If you have any questions, concerns, or feedback about this Legal Disclaimer, please contact us:

• info@omsgroup.com.au
• Ph: 0400 888 381

A Final Word

OMS strives to provide clear, useful information to help you understand the financial aspects of ageing in Australia. However, information alone is not advice.

We strongly encourage you to seek appropriate, qualified professional advice to ensure you make informed decisions that suit your unique needs and circumstances.

Thank you for visiting our website and for taking the time to read this Legal Disclaimer.

Last updated: 1st July 2025