Financial Advice Disclaimer
Effective Date: 9 November 2026
1. General Information
The information provided by Age Pension Services is intended to help individuals understand the Australian Age Pension system, Centrelink eligibility requirements, government entitlements and the application process.
Our services primarily involve providing information, guidance and administrative assistance relating to Age Pension applications, Centrelink assessments and associated government entitlements.
Unless expressly agreed otherwise and legally authorised, our services do not constitute personal financial advice, investment advice, legal advice or taxation advice.
Information provided through our website, consultations, emails, calculators, articles and other communications is intended for informational and educational purposes.
2. Financial Product Advice
Age Pension Services does not provide recommendations or opinions about acquiring, disposing of or making decisions concerning financial products, including:
Superannuation funds and investment options.
Shares, managed investments and other investment products.
Retirement income products and annuities.
Insurance products.
Financial products and investment strategies.
We do not provide personal financial planning or recommend specific financial products or investment strategies.
If you require advice about superannuation, investments, retirement planning or other financial products, you should consult an appropriately licensed or authorised financial adviser.
3. Age Pension and Centrelink Assistance
Our services may involve discussing your personal circumstances, including your age, residency, income, assets, property ownership, superannuation and other financial information, to help you understand how Centrelink rules may apply to your circumstances.
This assistance is intended to help you understand the relevant Centrelink requirements and provide administrative support with the application and assessment process.
Where appropriate, we may assist with:
Understanding Age Pension eligibility requirements.
Explaining Centrelink income and assets tests.
Identifying information and supporting documents required for an application.
Preparing and submitting Age Pension applications.
Assisting with Centrelink correspondence and requests for further information.
Understanding changes in circumstances that may affect Centrelink payments.
Providing general information about Centrelink reviews and reassessments.
This assistance should not be interpreted as a recommendation to purchase, sell, retain or restructure any financial product or investment.
Where a matter requires financial product advice, legal advice or taxation advice, you should seek assistance from an appropriately qualified and authorised professional.
4. Accuracy of Information
We make reasonable efforts to ensure that information provided through our website and services is accurate and up to date.
However, Centrelink rules, legislation, income and asset thresholds, payment rates and eligibility requirements may change over time.
While we take care in preparing information and assisting clients, we cannot guarantee that all information will be current or applicable to every individual circumstance.
Information provided by Age Pension Services should be considered alongside the relevant information published by Services Australia and other applicable government authorities.
Where there is any inconsistency between information provided by Age Pension Services and official government requirements, the applicable legislation, rules and official government determinations take precedence.
5. No Guarantee of Centrelink Approval or Payment Outcomes
Age Pension Services provides assistance with understanding eligibility requirements and navigating the Centrelink application process.
However, we do not control Centrelink assessment processes or decisions.
We cannot guarantee:
Approval of an Age Pension application.
The amount of Age Pension you may receive.
The time taken for Centrelink to assess an application.
The outcome of a review, reassessment or appeal.
That a particular strategy or change in circumstances will result in increased Centrelink payments.
All Age Pension eligibility decisions and payment determinations are made by Services Australia (Centrelink), based on the information available to them and the applicable legislation and assessment rules.
6. Your Responsibility
You remain responsible for ensuring that all information and documentation supplied to Centrelink is accurate, complete and truthful.
When using our services, you should:
Provide complete and accurate information about your circumstances.
Disclose relevant income, assets, property and financial interests.
Notify Centrelink of changes to your circumstances within the required timeframes.
Review information and documents prepared on your behalf before submission.
Seek independent professional advice where your circumstances require it.
Age Pension Services relies on the information and documentation supplied by you when providing assistance. We cannot accept responsibility for incorrect assessments or outcomes resulting from incomplete, inaccurate or misleading information provided to us.
7. Independent Service Provider
Age Pension Services is an independent service provider and is not affiliated with, operated by, sponsored by or endorsed by Services Australia or Centrelink.
We are not a government agency.
Our role is to assist individuals and families in understanding and navigating the Age Pension application and assessment process.
All applications and payment decisions remain subject to assessment and determination by Services Australia.
8. Third-Party Websites and Information
Our website may contain links to external websites, including government agencies and other organisations, for your convenience.
We do not control these external websites and are not responsible for their content, accuracy, availability or privacy practices.
You should review the relevant terms, conditions and privacy policies of any external website you visit.
9. Limitation of Liability
To the extent permitted by law, Age Pension Services is not responsible for loss or damage arising from reliance on general information published on our website or provided through our services, where that loss or damage results from circumstances beyond our reasonable control.
Nothing in this disclaimer is intended to exclude, restrict or modify any rights or remedies available to consumers under the Australian Consumer Law or other applicable legislation.
10. Contact Us
If you have questions about this disclaimer or the services provided by Age Pension Services, please contact us.
Age Pension Services
Email: info@agepensionservices.com.au
Phone: 0403 952 632
Website: https://agepensionservices.com.au
Last updated: 9 November 2026