Insider Out Terms of Service

1. Introduction

The use of our services is subject to the following terms and conditions of use, as amended from time to time (the “Terms”). Please review the Terms carefully.  The Terms apply to all users of our service, including without limitation, users whose information you provide to us in order to complete our service, which may include minors of whom you are the legal parent/guardian, or other parties whom you may be legally responsible for such as those to which you hold Power of Attorney or VCAT Guardianship.  If you do not agree to the Terms or our Privacy Policy, you should not use our services.

2. General Conditions

We reserve the right to refuse service to anyone, at any time, for any reason.  Prices for our services are subject to change, without notice. However we will provide all costs to you for each service prior to commencing each service.  If your service level changes during service, we will provide a further quote to you for the changed level of service.

3. Your Personal Information

Please see our Privacy Policy to learn about how we collect, use, and share your personal information.

4. Important Disclaimer

Insider-Out and Melinda Houghton are not Authorised to Provide Financial Advice.  Any service we provide to you is an information and opinion service only.  Whilst we endeavour to ensure information provided is accurate, relevant and up-to-date, your financial adviser is at all times responsible for your financial advice, implementation of your financial advice, and any ongoing service provided to you in relation to your financial advice.

If you have any concerns about your financial advice, you should contact your financial adviser, and if necessary the Licensee who is responsible for your advice, using information provided to you in your Financial Adviser’s Financial Services Guide.

The use of our services is at your sole risk, and you assume full responsibility for your financial outcomes.  We will not be liable for any damages of any kind related to the use of our opinion service.

5. Independence

Insider Out and Melinda Houghton are providing an independent service to you.  We may provide referrals to other services such as Mortgage Brokers, Accountants, Lawyers, or Financial Advisers, however in order to maintain our independence we do not receive any referral fees or commissions for these referrals.

At all times we will endeavour to match you to an appropriate service provider, and we have a panel of experts to choose from, however the services provided to you are the responsibility of the relevant service provider, and no responsibility is taken for their services.

You are under no obligation to use any of the service providers we may refer you to and we will use our best efforts to work with any service provider whose services you choose to utilise.

6. Fees and Charges

Utilisation of our services means you agree to pay our quoted fees and charges within 7 days of receiving your invoice for services.  As an independent small business, we only receive payment from you for our services, so your prompt payment is appreciated.

We reserve the right to charge an upfront fee of 50% of the quoted service fee prior to commencing our service to you.

7. Handling Customer Complaints and Suggestions

We appreciate feedback and will endeavour to address any concerns or queries you may have.  You may direct any questions or enquiries with respect to our privacy policy or our practices by contacting:

Melinda Houghton, Director
Insider Out

PO Box 6402
Point Cook  VIC  3030

Phone: 0400 533 865

ABN 15 470 498 933


We look forward to working with you to assist you to navigate, translate and review your advice, so you can understand and trust your financial services.







Insider Out Terms of Service




By continuing with conversations, providing general or personal information, or agreeing to utilise a service provided by Insider Out, I acknowledge the following:


  • I have been provided with the Insider Out Privacy Policy document, either via electronic means (e.g. website, email or phone), or in hard copy format.


  • I have been provided with the Insider Out Terms of Service document, either via electronic means, (e.g. website, email or phone), or in hard copy format.


  • I have read and understood these documents.


  • I acknowledge that neither Melinda Houghton or Insider Out are Authorised to Provide Financial Advice and will not provide Financial Advice.


  • I acknowledge that all services provided to me by Melinda Houghton or Insider Out are information and opinion services only.


  • I understand that any service providers I utilise (e.g. Mortgage Brokers, Accountants, Lawyers, or Financial Advisers) separately or in conjunction with or as a result of a referral from Insider Out are solely responsible for their own service provision, and Melinda Houghton and Insider Out do not accept responsibility for any services they provide.


  • I acknowledge that information provided to Insider Out is accurate and complete to the best of my knowledge, and that if I have limited the information provided this may affect the outcome of the information and opinions provided.




Acknowledgement Signed:



___________________________________                    ___________________________________

Name:                                                                          Name:

Date:                                                                            Date: 



Phone or Email Advice

30 minutes – $70
1 hour – $120

I can answer your Financial Planning queries via phone or email. Get all of your personal queries answered so you can take the next step to advice with confidence. I will explain the process, average costs, some of the risks, and reasons advice could help you make the most of your opportunities.

Example scenario: “I am looking for assistance with superannuation contributions, will it be worthwhile seeing a financial adviser, or should I just google it?”

The one hour session is more suitable if you think you have more complex queries around advice and what you need to look for, and wish to be certain going forward with advice is for you. e.g. I want to buy an investment property, who do I contact first, and how do I know it will be worth doing?

Example scenario: “I am looking for assistance with superannuation contributions, will it be worthwhile seeing a financial adviser, or should I just google it?”

Please contact me via email or book on our facebook page.

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