Your use of this web site and those of member companies and their products are expressly conditioned upon your accepting and agreeing to these terms of use. By clicking yes to the box marked “I agree to abide by the above terms and conditions” you confirm your agreement to be bound by all the terms and conditions listed here.

IF THESE TERMS OF USE ARE NOT COMPLETELY ACCEPTABLE TO YOU, YOU MUST IMMEDIATELY TERMINATE YOUR USE OF THIS WEB SITE.

You may print a copy of these Terms of Use for your records at any time by using the "print" function on your internet browser, or can access them at any time through the link found at the bottom of the page

These Terms of Use ("Legal Terms") describe the terms and conditions applicable to your access and use of this web site and any of the products and services within the site, which are owned, operated and controlled by LMI Group Pty Ltd or its subsidiaries (“LMI Group). For details of LMI Group subsidiaries, refer to the heading Member Companies of the LMI Group. LMIGroup, at any time, for any reason and without notice, make changes to:

(i)      this Web Site, including its look, feel, format, and content,

(ii)     the products and/or services as described in this Web Site.

Any modifications will take effect when posted to the Web Site. Therefore, each time you access the Web Site, you need to review the Legal Terms upon which access and use of this Web Site is conditioned. By your continuing use of the Web Site after changes are posted, you will be deemed to have accepted such changes.

The website is directed to those individuals and entities located in Australia, New Zealand and Singapore. It is not directed to any person or entity in any jurisdiction where (by reason of nationality, residence, citizenship or otherwise) the publication or availability of the Web Site and its content, including its products and services, are unavailable or otherwise contrary to local laws or regulations. If this applies to you, you are not authorised to access or use any of the information on this Web Site. LMIGroup makes no representation that the information, opinions, advice or other content on the Web Site (collectively, "Content") is appropriate or that the products referred to and services are available outside Australia. Those who choose to access this Web Site from other locations do so at their own risk and are responsible for compliance with applicable local laws.

Not all of the products and services described on this Web Site may be available in all geographic areas of Australia, New Zealand or Singapore. You may not be eligible for all of the insurance products and services described in this Web Site.

The Web Site may provide a general description of certain types of insurance products, coverage and services available through many policies, industry specific risk management or assessment advice, information, loss statistics, training materials and podcasts.. While the utmost care has been taken in the preparation of the site, it should not be used or relied upon as a substitute for detailed advice or as a basis for a business, financial or insurance decision. Any descriptions of insurance products, coverage and services available through insurance policies are not a part of an insurance contract or policy and do not amend, revise or alter the terms of any policy issued through or services provided by the relevant insurer or underwriting agency. Podcasts are made available through the site solely for training purposes.

The views expressed by contributors and advertisers are not necessarily those of the LMI Group and the user accepts that LMI Group cannot be held responsible for any loss occasioned to any person acting or refraining from action as a result of the material included in this site or reproduced from it.