Disclaimers

Pearler Investments Pty Ltd, trading as Pearler, ACN 625 120 649, is an authorised representative (Authorised Representative No. 1281540) of Sanlam Private Wealth Pty Ltd, ACN 136 960 775 (Australian Financial Services Licence No. 337927).

At Pearler, we strive to make investing for your long term goals easier and fun but we only provide general information and/ or general advice. We don’t present you any options based on your personal objectives, circumstances or financial needs, nor do we use your preferences or search history to tailor your user experience. Any advice is of a general nature only.

It’s important that you are aware that when investing, your invested capital is at risk. As investments carry risk, and you may lose some or all of your money invested. Before making any investment decision, please consider if it’s right for you and seek appropriate taxation and legal advice. Please view our Financial Services Guide before deciding to use or invest on pearler.

When opening an account with Pearler, you confirm that, depending on what investment products you choose, your details will be shared with Openmarkets Australia Limited (ABN 38 090 472 012, AFSL 246705) for ASX products, Drivewealth LLC (Sanlam Private Wealth Pty Ltd, ACN 136 960 775, AFSL 337927) , for US products, or Cache Investment Management Pty Ltd (ACN 624 306 430, AFSL 514 360) for micro fund products and Sanlam Private Wealth Pty Ltd, ACN 136 960 775, AFSL 337927) our licensee.

An application for the relevant account(s) will be made based on your instructions. Please read the relevant terms and conditions, disclosures and customer agreement documents before applying for any Pearler account(s).

Information on Pearler is not an offer, solicitation of an offer, or advice to buy or sell securities or any financial product, or to open a trading account in any jurisdiction where Pearler is not registered to do so. Upon opening an account with Pearler from a jurisdiction where Pearler is not registered or able to market its services, you confirm that Pearler did not make an offer, solicit an offer or provide any advice to buy or sell a financial product. If you are based in a jurisdiction where Pearler is not registered (or regulated) you are responsible for ensuring that you comply with all local laws and regulations that you are subject to and for obtaining your own financial advice and legal advice if you are unsure. If you have any questions, contact us at support@pearler.com or Pearler c/- UNSW Founders, MCIC, Gate 2 Avenue, Kensington 2033

System Availability, Execution, Data

System availability and response times, data, liquidity, execution speed and price are subject to market conditions, order size, order types, any connection limitations and various other factors.

All chart data is provided for informational purposes and should not be relied on for taxation or any other purposes.

Please note that market data is provided courtesy of OpenMarkets. No representation or warranty is made as to the timeliness, reliability, accuracy or completeness of the material and Pearler does not accept any responsibility arising in any way for errors in, or omissions from, that data.

Listed Funds

Before investing in an Exchange Traded Fund (ETF), Listed Investment Company (LIC) or Listed Investment Trust (LIT), an investor should consider the investment objectives, risks, charges, and expense of the investment company carefully. The prospectus contains this and other important information about the investment company. You should read the prospectus carefully before investing.

Inverse and leveraged ETFs, LICs and LITs can be complicated vehicles and are generally only suitable for sophisticated traders who have the resources and adequate experience to understand the nature of the product. You should make yourself aware of the risks and potential costs involved with using any of these vehicles. Before investing in any such vehicle we may seek your confirmation that you understand these risks before you place a trade in one.

As these products are designed to meet their stated objectives on a daily basis, they may not be suitable for long term investments. Please make sure you are aware of these risks before you trade these products.

Pricing

Please see our pricing tab and Financial Services Guide for more detail on all fees. Pricing may be updated at any time and customers will be provided with a minimum of 20 days notice.

Third Party Links

Links on pearler.com, the Pearler app or any Pearler related website may take you to a third party site. These sites are not managed by pearler and may have a different privacy policy, level of security and terms & conditions.