The Financial Education Program is an information service provided by Money 101 - Money for Life Pty Ltd ABN 59 108 254 020 (“Money 101”). H.E.S.T. Australia Ltd ABN 66 006 818 695, as the trustee of Health Employees Superannuation Trust Australia (“HESTA”), has engaged Money 101 to provide the Financial Education Program to members of HESTA. Use of the Financial Education Program by members of HESTA is subject to the following terms and conditions. You will leave hesta.com.au and proceed to a third-party website maintained by Money 101. All information in the Financial Education Program, except the information relating to credit, is provided by, and remains the property of, Money 101 and terms and conditions apply. Information provided in respect of credit has been prepared by Members Equity Bank Limited ABN 56 070 887 679 AFSL and Australian Credit License 229500 (“ME”). When members wish to access information on credit they will in turn leave the third party website maintained by Money 101 and proceed directly to ME’s website. H.E.S.T. Australia Ltd does not recommend, endorse or accept any responsibility for the information provided by Money 101 or ME. H.E.S.T. Australia Ltd does not accept liability for any loss or damage incurred as a result of using the information provided by Money 101 or ME. H.E.S.T. Australia Ltd recommends you exercise your own judgment about the information provided by Money 101 and ME. H.E.S.T. Australia Ltd recommends you seek financial advice before making a decision about financial products. By clicking 'continue' you confirm you have read the disclaimer.