This document is provided by CommBank iQ, a joint venture between Commonwealth Bank of Australia ABN 48 123 123 124 (Commonwealth Bank) and The Quantium Group Pty Limited ABN 45 102 444 259 and is based on information available at the time of publishing. 
CommBank iQ has taken reasonable steps to ensure that the information in this document is correct and any opinions, conclusions or recommendations are reasonably held or made as at the time of its compilation, but no warranty is made as to accuracy, reliability or completeness.

To the extent permitted by law, neither Commonwealth Bank and its subsidiaries (Commonwealth Bank Group) nor The Quantium Group Pty Limited and its affiliates (Quantium) accept liability to you or any person for loss or damage arising from the use of this document. The contents of this document should not be relied upon by you or any third party in making business or other decisions. This document is not a substitute for professional advice. 

Any opinions, conclusions or recommendations in this document are subject to change without notice and CommBank iQ is under no obligation to, and does not, update or keep current the information contained in this document.

This document has been prepared for informational purposes only and does not take into account the objectives, financial situation or needs of any particular person. For this reason, any person should, before acting on the information in this document, consider the appropriateness of the information having regard to their objectives, financial situation and needs and, if necessary, seek appropriate professional advice. This document is not directed to, or intended for distribution to or use by, any person or entity who is a citizen or resident of, or located in, any locality, state, country or other jurisdiction where such distribution, publication, availability or use would be contrary to law or regulation or which would subject the Commonwealth Bank Group to any registration or licensing requirement within such jurisdiction.

This document may contain proprietary data of Commonwealth Bank that is sourced from Commonwealth Bank’s internal systems and may include, but is not limited to, customer demographic profile information, transaction information, loan and repayment information (including security information), loan application information and savings information. Whilst Commonwealth Bank takes reasonable steps to ensure that its proprietary data is accurate as at the time of compilation of this document, Commonwealth Bank makes no representation or warranty as to the completeness of the data as it may not reflect all trends in the market. Any reliance on this information is at your own risk. Any Commonwealth Bank customer data used or represented in this document is de-identified before analysis and is used and disclosed in accordance with disclosures made in Commonwealth Bank Group’s Privacy Statement. By receiving a copy of this document, you acknowledge and agree that you will not use, manipulate or interpret the information to re-identify any individual or entity. 

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