These Terms of Use govern your access to and use of the Morgan Asset Performance website located at www.morganap.com.au (the “Site”), operated by Morgan Asset Performance Pty Ltd (“Morgan”, “we”, “us”, “our”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Use of the site

You may use the Site for lawful purposes only and in a manner consistent with all applicable laws and regulations. You agree not to:

• Use the Site in any way that could damage, disable, or impair its functionality or interfere with other users

• Attempt to gain unauthorised access to any part of the Site or any system or network connected to it

• Use automated tools to scrape, crawl, or extract content from the Site without our prior written consent

• Submit false, misleading, or fraudulent information through any form on the Site

• Transmit any material that is unlawful, defamatory, offensive, or otherwise objectionable

We reserve the right to restrict or terminate access to the Site for any user who breaches these Terms.

2. Intellectual property

All content on the Site — including text, articles, case studies, graphics, logos, and the overall design — is owned by or licensed to Morgan Asset Performance and is protected by Australian and international intellectual property laws.

You may view and print pages from the Site for your own personal, non-commercial reference. You must not reproduce, distribute, republish, modify, or exploit any content from the Site for commercial purposes without our prior written permission.

Nothing in these Terms transfers ownership of any intellectual property to you.

3. No professional advice

The content published on this Site — including articles, insights, and case study summaries — is provided for general informational purposes only. It does not constitute professional consulting, legal, financial, or any other form of regulated advice, and should not be relied upon as such.

Every business situation is different. Before acting on any information found on this Site, we recommend seeking independent professional advice appropriate to your specific circumstances. Engaging Morgan directly is the appropriate basis for receiving advice tailored to your organisation.

4. Accuracy of information

We make reasonable efforts to ensure that the information on the Site is accurate and current at the time of publication. However, we do not warrant that all content is complete, accurate, or free from errors. Content may be updated or changed without notice.

We accept no responsibility for any reliance placed on information contained on the Site or for any loss or damage that may arise from doing so.

5. Limitation of liability

To the fullest extent permitted by Australian law, Morgan Asset Performance and its directors, employees, and associates are not liable for any direct, indirect, incidental, consequential, or special loss or damage arising from your use of, or inability to use, the Site or any content on it.

This includes, without limitation, any loss of data, revenue, profit, or business opportunity, even if we have been advised of the possibility of such loss.

Nothing in these Terms excludes or limits any rights you may have under the Australian Consumer Law or other legislation that cannot be excluded or limited by agreement.

6. Third-party links

The Site may contain links to websites operated by third parties. These links are provided for convenience only. Morgan does not endorse, control, or accept responsibility for the content, privacy practices, or terms of any third-party website. Accessing linked sites is at your own risk.

7. Website availability

We aim to keep the Site available at all times but do not guarantee uninterrupted or error-free access. We may suspend, withdraw, or restrict access to all or part of the Site at any time without notice, for operational, security, or other reasons. We are not liable for any loss or inconvenience resulting from such interruptions.

8. Privacy

Your use of the Site is also subject to our Privacy Policy, which explains how we collect, use, and protect your personal information. By using the Site, you acknowledge and agree to the terms of our Privacy Policy.

9. Changes to these terms

We may update these Terms of Use from time to time. The current version will always be available on the Site with an updated effective date. Your continued use of the Site after any changes have been posted constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

10. Governing law

These Terms are governed by the laws of the State of Victoria, Australia. You agree to submit to the exclusive jurisdiction of the courts of Victoria for any dispute arising out of or in connection with your use of the Site or these Terms.

11. Contact

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

Morgan Asset Performance Pty Ltd

Email: tom@morganap.com.au

Phone: +61 455 851 500

Website: www.morganap.com.au