Terms of use

About this website

The bluenotes website is operated by Australia and New Zealand Banking Group Limited ABN 11 005 357 522, AFSL 234527 (ANZ) and its related bodies corporate (together called the ANZ Group).

By accessing or contributing to bluenotes, or subscribing to receive bluenotes via email, you acknowledge receipt and acceptance of:

  • these terms of use;
  • the privacy and website security statements;
  • the moderation guidelines; and
  • any additional terms specified on individual pages of bluenotes,

as each of these is referred to from time to time on bluenotes.

If there is any inconsistency in the content of the governing terms referred to above the higher referenced governing terms shall prevail to the extent of the inconsistency.           

Content of this website

bluenotes contains factual information and may also contain professional opinions which are given in good faith and based on information and assumptions believed to be reliable as at the date of publication. The views expressed on bluenotes reflect the authors’ personal views, however the authors make no representation as to its accuracy, currency or completeness, and the material should not be relied upon as such. Any opinions, estimates and forecasts herein reflect the authors’ judgments on the date of the publication and are subject to change without notice. Any expressions of opinion may differ between articles and authors.

The opinions or views on bluenotes are not necessarily the opinions or views of the ANZ Group, and the ANZ Group makes no representation and gives no warranty as to the accuracy, currency or completeness of material contained on bluenotes. Neither the ANZ Group nor its affiliates accept any responsibility to inform you of any matter that subsequently comes to their notice which may affect the accuracy, currency or completeness of the material on bluenotes.

Nothing on bluenotes constitutes a representation that any investment strategy or financial product referred to herein is suitable or appropriate to your individual circumstances or otherwise constitutes a personal recommendation and it does not take into account your specific objectives, financial situation, needs, circumstances or tax position. bluenotes does not contain and should not be relied upon as containing investment recommendations or advice in relation to acquiring, holding or disposing of any financial product and does not constitute an offer or an invitation to deal in, or a recommendation to acquire or sell any product or subscribe to any service.  If, despite the foregoing, any services or products referred to are deemed to be offered in the jurisdiction in which bluenotes is accessed or received, no such service or product is intended for nor available to persons resident in that jurisdiction if it would be contradictory to local law or regulation. Such local laws, regulations and other limitations always apply with non-exclusive jurisdiction of local courts.

Any prices or values herein are as of the date indicated, and no representation whatsoever is made that any transaction can be effected at such prices or values or that any prices or values may be provided at a later date. The value and income of any of the securities or financial instruments mentioned on bluenotes may fall as well as rise and an investor may get back less than invested. Foreign-currency denominated securities and financial instruments are subject to fluctuation in exchange rates that could have a positive or adverse effect on the value, price or income of such securities and financial instruments. The ANZ Group may have material interests in, or provide investment banking or financial services to, and may have other business relationships with, the company, companies or subject matter that are featured on bluenotes. The ANZ Group and its employees may effect transactions in the securities and financial instruments mentioned herein.

Indications of past performance will not necessarily be repeated in the future. No representation is being made that any investment will or is likely to achieve profits or losses similar to those achieved in the past, or that significant losses will be avoided. Additionally, bluenotes may contain ‘forward looking statements’. Actual events or results or actual performance may differ materially from those reflected or contemplated in such forward looking statements.

Recommendation to seek advice

It is recommended that you seek advice from a financial adviser which takes into account your individual circumstances, as well as any other relevant financial, legal or tax advice, before acquiring, holding or disposing of any financial product or otherwise acting on any of the material contained on bluenotes.

Limitation of liability

The ANZ Group, and its affiliated companies, their respective directors, officers, contractors and employees disclaim any responsibility, and shall not be liable, for any loss, damage, claim, liability, proceedings, cost or expense (Liability) arising directly or indirectly (and whether in tort (including negligence), contract, equity or otherwise) out of or in connection with the contents of or any omissions from bluenotes (including any error, omission or misstatement therein, negligent or otherwise), distribution or further communication thereof except where a Liability is made non-excludable by law and then only to the extent so required.                                                       

To the extent that a Liability is non-excludable by law it shall be limited to the extent possible, at ANZ's option, to:

  • the supply of the goods or services again;
  • the repair of the goods; or
  • the payment of the cost of having the goods or services supplied again or repaired.

Copyright, trademark and distribution

Copyright in the material on bluenotes is owned or licensed by ANZ. You may distribute, publish or link to the content of bluenotes (each a Permitted Use), however each Permitted Use must:

  • reference bluenotes as the source of the material;
  • reproduce the material in a way that is accurate, complete and not misleading.

ANZ reserves any rights not expressly granted in these terms of use.

If bluenotes has been distributed by electronic transmission, such as e-mail, then such transmission cannot be guaranteed to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, arrive late or incomplete, or contain viruses.

All Facebook logos and trademarks displayed on bluenotes are property of Facebook. All Twitter logos and trademarks displayed on bluenotes are property of Twitter.  LinkedInTM, the LinkedInTM logo, the IN logo and InMail are registered trademarks or trademarks of LinkedIn Corporation and its affiliates in the United States and/or other countries.

Links to other websites

bluenotes may contain links to other websites operated by third parties (Third Party Websites). The ANZ Group does not endorse, or approve of the operators of Third Party Websites, or the information, graphics and material on those Third Party Websites (Third Party Material).      

Subject to the extent of any applicable law which cannot be excluded, the ANZ Group makes no warranties or representations:

  • regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material or products or services available through Third Party Websites; or
  • that Third Party Material does not infringe the intellectual property rights of any person. ANZ is not authorising the reproduction of Third Party Material by linking material on bluenotes to Third Party Material.

When you follow a link on bluenotes, material at a Third Party Website may be displayed in your browser framed by material on bluenotes. This material is also Third Party Material for the purpose of these terms of use.

All offers to sell and statements relating to goods and services available on Third Party Websites are the responsibility of and given by the Third Party Website operator.

Third party software

Unless otherwise indicated software downloads available via links from bluenotes are third party products. These products may be subject to a licence agreement between you and the relevant product owner. Subject to the extent of any applicable law which cannot be excluded, the ANZ Group accepts no liability in respect of such third party products and the ANZ Group provides no warranty and gives no endorsement in respect of such products or any party connected with them. We do, however, welcome your feedback or suggestions concerning these products.


The agreement constituted by your use of the material on bluenotes, including your access to bluenotes and receipt of bluenotes via email, may be terminated at any time by ANZ without notice. All restrictions, licences granted by you and all disclaimers and limitations of liability by the ANZ Group will survive termination, however you will no longer be authorised to access or receive bluenotes.                                                                                             


The law applicable to the use and distribution of bluenotes, and any associated dispute that may arise, is the law of the state of Victoria, Australia.  The courts of the state of Victoria, Australia, and courts authorised to hear appeals from them, have exclusive jurisdiction in relation to the use and distribution of bluenotes, and any associated dispute that may arise.                                                                             

Changes to these terms of use

These are the current terms of use. They replace any other terms of use published on bluenotes to date. ANZ may at any time vary the terms of use by publishing the varied terms of use on bluenotes. You accept that by doing this, ANZ has provided you with sufficient notice of the variation.