The information provided is factual information only. It is not intended to be, and should not be interpreted as, a recommendation or opinion about the financial products identified. Virgin Money Australia has not considered your objectives, financial situation or needs in preparing this advice. Before acting on any advice please consider the appropriateness of the advice for you, having regard to your objectives, financial situation and needs. You should obtain a copy of the Product Disclosure Statement, if relevant, relating to the products described and consider the information in those PDSs before making any decision about whether to acquire or continue to hold the products identified.