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Terms & Conditions

1. GENERAL
1.1 This website is operated by Macquarie Insurance Brokers (Australia) Pty Ltd ABN 16 000 580 585, Australian Financial Licence No: 250825 (Macquarie Insurance Brokers). By using this website you acknowledge and agree to these terms and any additional terms, notices and disclaimers which appear on this website and the Macquarie Insurance Brokers Privacy Policy and Financial Services Guide (Terms of Use).

1.2 Macquarie Insurance Brokers may alter these Terms of Use from time to time without notice. Your continued use of the website following those changes indicates your acceptance of those changes.

2. CONTENT
Macquarie Insurance Brokers makes no representations about the suitability of the content of this site for any purpose. All content is provided "as is" without any warranty of any kind.

Macquarie Insurance Brokers has not made and does not make any warranty of any kind whatever, express or implied, with respect to the contents of this site; and all implied warranties of merchantability, title, non-infringement and fitness for a particular purpose are hereby disclaimed by Macquarie Insurance Brokers. Macquarie Insurance Brokers will not be liable to anyone with respect to any damages, loss or claim whatsoever, no matter how occasioned, in connection with access to or use of the contents of this site. In no event shall Macquarie Insurance Brokers be liable for any special, indirect, exemplary or consequential damages or any damages whatsoever, including but not limited to loss of use, data or profits, without regard to the form of any action including but not limited to contract or negligence or other tortious actions, arising out of or in connection with the use, copying or display of the content.

While Macquarie Insurance Brokers believes the content to be accurate, complete and current, there may be inadvertent technical or factual inaccuracies and typographical errors and Macquarie Insurance Brokers does not warrant that the information is accurate or complete or current. It is your responsibility to verify any information before relying on it. At any time and from time to time Macquarie Insurance Brokers may make changes in the products and/or services described herein, however, Macquarie Insurance Brokers makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.

3. COLLECTION AND USE OF INFORMATION
3.1 Macquarie Insurance Brokers will collect, use, disclose and handle your personal information in accordance with its Privacy Policy.

4. DISCLAIMERS AND LIMITATION
General advice

4.1 This website contains general advice only. It has been prepared without taking into account your particular objectives, financial situation or needs. Before acting on the advice, you should consider the appropriateness of the advice, having regard to your objectives, financial situation and needs.

4.2 The Competition and Consumer Act 2010 (Cth) may confer rights, guarantees and remedies on you in relation to the provision of goods and services by Macquarie Insurance Brokers, which cannot be excluded, restricted or modified. Macquarie Insurance Brokers does not exclude, restrict or modify those rights.

4.3 To the fullest extent permitted by law, Macquarie Insurance Brokers's liability for breach of any guarantee, which cannot be excluded, is limited at the option of Macquarie Insurance Brokers to, in the case of products or services supplied or offered by Macquarie Insurance Brokers which are not of a kind ordinarily acquired for personal, domestic or household use or consumption:

4.3.1 the supply of the products or services again; or

4.3.2 the payment of the cost of having the products or services supplied again.

4.4 Except for the rights, guarantees and remedies which cannot be excluded, restricted or modified:

4.4.1 Macquarie Insurance Brokers excludes all liability (including liability arising as a result of its negligence) for any indirect or consequential expenses, losses, damages or costs, loss of profit, lost revenue, business interruption and loss of data incurred or suffered by or awarded against you under or in any way connected with these Terms of Use; and

4.4.2 Macquarie Insurance Brokers limits its liability in relation to any direct loss to $100.

4.5 Information contained on this website may be obtained from a variety of third party sources. To Macquarie Insurance Brokers's knowledge, the information provided is accurate. However, Macquarie Insurance Brokers has not verified all third party information. Macquarie Insurance Brokers makes no representations and, to the extent permitted by law, excludes all warranties in relation to the information contained on this website.

4.6 This website may contain links to third party sites. Macquarie Insurance Brokers makes no warranties or representations:
4.6.1 regarding the condition or the content of those sites; or
4.6.2 regarding the quality, accuracy, merchantability or fitness for purpose of any information, products or services on those sites.

4.7 The links are provided solely for your convenience and do not indicate, expressly or impliedly, any endorsement or approval of the sites or the products or services provided on them.

5. COPYRIGHT
5.1 Macquarie Insurance Brokers reserves all copyright in the content and design of this website.

5.2 You may make a temporary copy of part or all of this website for the sole purpose of viewing it, and print a copy for personal use.

5.3 You must not otherwise reproduce, adapt, store, transmit, print, display, publish or create derivative works from any part of the content or design of this website except with Macquarie Insurance Brokers' prior written consent or as permitted by applicable copyright legislation.

6. COOKIES
6.1 This website uses "cookie" technology to assist in identifying registered users and delivering contents specific to your interest. Cookies are pieces of information stored on an individual's computer and are used for customising site information to improve user experience and for tracking user navigation. 6.2 If you do not wish information to be gathered on a cookie you should disable the acceptance of cookies by your web browser. Your Internet Service Provider may be able to assist you with this.

7. STATEMENT OF THE LAW
7.1 Statements made on the Macquarie Insurance Brokers website are not intended to be statements of law.

8. JURISDICTION
8.1 The laws governing these Terms of Use will be the laws of New South Wales, Australia.

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