Disclaimers, fine print and red tape

We use bank grade 2048-bit SSL security certificates to encrypt website data and keep you safe. (Just so you know) We use bank grade 2048-bit SSL security certificates to encrypt website data and keep you safe. (Just so you know)

We'd like to be really clear about something

This site provides practical general information and doesn't take into account your individual circumstances. This site does not provide legal, financial, medical or commercial advice and by using the website you acknowledge this. That's why you should always get professional advice and we'd love to help you with that.

Important information about:


Sapience would like to welcome you to this website.  We have worked hard to make it as user-friendly and informative as possible. When viewing the pages of this website, you acknowledge you have read and accepted our disclaimer.

The information on this website is provided "as is" and for general information only. Sapience has provided this information for the benefit of users in good faith and with reasonable care. However, errors and omissions in this website and the information on it may occur from time to time and Sapience does not guarantee the website will always operate or be error free. Accordingly, to the maximum extent permitted by law, Sapience does not accept any liability for the use of or inability to use this site, or for any loss or damage which may directly or indirectly result from any opinion, information, advice, representation or omission contained on this website.

Financial Advice

Drew Browne and Sapience Corporation Pty Ltd. ABN 29 086 679 718 are authorised representatives of an Australian Financial Services Licensee AFSL license number #237857 ABN 13 085 335 397. They will be acting on behalf of the AFSL if they recommend financial products to you later after considering your circumstances.

  • You can download their Financial Services Guide (Part 1&2) (FSG) here.
  • You can download their Privacy Policy (CPS) here.

We never provide financial advice without first considering a person's individual circumstances and all our financial advice is provided in a written form inside a Statement of Advice document (SoA).

Credit Advice

(yep it's different from financial advice - we think that's crazy too.)

Drew Browne is an authorised Credit Representative of Australian Credit Licensee Moneywise Loans & Leasing Pty Limited Credit License number #389071 ABN 18 083 593 051. He will be acting on behalf of the ACL if he recommends credit products to you later after considering your circumstances.

Property Advice

And just so we are clear, our AFSL Compliance Officer has asked we make it obvious that any advice about property investment is provided by Drew Browne of Sapience Financial & Investment Services, and not in any way provided by our AFSL license number #237857 ABN 13 085 335 397.

Good Advice

And just while we're on the topic of whose responsible for what, and who provides the very helpful information on this site, the Good Advice in our Blog is compiled by the complex mind of Drew Browne (unless otherwise stated or linked to its author) and not in any way provided by our AFSL license number #237857 ABN 13 085 335 397.

Email Communications

All our email communications together with any attachments are intended only for the person or entity to which it is addressed and may contain confidential and/or privileged material. You should only read, disclose, re-transmit, copy, distribute, act in reliance on or commercialise the information if you are authorised to do so. If you are not the intended recipient of any of our e-mail communication, please notify us immediately by replying directly to the sender and then destroy any electronic or paper copy of this message. Sapience Corporation is an Authorised Representative of the AFSL and CL identified above.


The Sapience Group of clever brands where possible use eSignatures (electronic signatures) to save our clients time and preserve their privacy.  Our eSignature platform is managed by DocuSign. Electronic Signatures have been recognised by law in Australia since 1999, with the passage of the Electronic Transactions Act. Additionally, the Insurance Contracts Amendment Act 2013 (Cth) specifically allows for the use of electronic communication.

Under Australian law, a written signature (often called an ink on paper or wet signature), is not necessarily required for a valid contract.  Documents and contracts are generally valid if legally competent parties reach an agreement, whether they agree verbally, electronically or in a physical paper document. The Electronic Transactions Act in the Commonwealth, States, and Territories of Australia specifically confirm that provided certain requirements are met, and a relevant exception does not apply, contracts cannot be denied enforceability merely because they are concluded electronically.

Recognition of Sex and Gender

The Sapience Group of clever brands recognise individuals may identify and be recognised within the community as a gender other than the sex they were assigned at birth or during infancy, or as a gender which is not exclusively male or female.  Where sex and/or gender information is collected and recorded in a personal record, individuals are given the option to select M (male), F (female) or X (Indeterminate/Intersex/Unspecified).

The X category refers to any person who does not exclusively identify as either male or female, ie. a person of a non-binary gender. People who fall into this category may use a variety of terms to self-identify. This classification system is consistent with the Australian Government passports policy for applicants who are sex and gender diverse and Australian Standard AS4590 – Interchange of client information and complies with the Australian Government Guidelines on the Recognition of Sex and Gender July 2013.

Professional Memberships

Sapience holds a number of professional memberships.

Member of ProBono AustraliaSapience is a Professional Member of the AFA          Sapience is a registered Tax (Financial) Adviser     Sapience is an Accredited Member of the FBAASapience is an Member of the AFCA

Site security

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'No one shall be subjected to arbitrary interference with his privacy, family, home or correspondence, nor attacks upon his honour and reputation.' - Universal Declaration of Human Rights

Please contact us here, if you have any questions.

This website, its assets and IP are used under licence from the respective owners and not the property of the domain holder.

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