Terms & Conditions

LEGAL INFORMATION DISCLAIMER

No advice
1.1 Our website contains general information related to various types of insurances.
1.2 The information is not advice and should not be treated as such.

No warranties
2.1 The information on our website is provided without any representations or warranties, express or implied.
2.2 Without limiting the scope of Section 2.1, we do not warrant or represent that the information on this website:
(a) will be constantly available, or available at all; or
(b) is true, accurate, complete, current or non-misleading.

No Insurance broker -client relationship
3.1 No Insurance broker-client relationship shall be created through the use of our website.

Interactive Features
4.1 Our website includes interactive features that allow users to communicate with us.
4.2 You acknowledge that, because of the limited nature of communication through our website’s interactive features, any assistance you may receive using any such features is likely to be incomplete and may even be misleading.
4.3 Any assistance you may receive using any our website’s interactive features does not constitute specific advice and accordingly should not be relied upon without further independent confirmation.

Professional Assistance and advice:
5.1 You must not rely on the information on our website as an alternative to professional advice from your insurance broker.
5.2 If you have any specific questions about any matter, you should consult your Insurance broker.
5.3 You should never delay seeking advice, disregard advice, or commence or discontinue any legal action because of information on our website.

Limits upon exclusions of liability
6.1 Nothing in this disclaimer will:
(a) limit or exclude any liability for death or personal injury resulting from negligence;
(b) limit or exclude any liability for fraud or fraudulent misrepresentation;
(c) limit any liabilities in any way that is not permitted under applicable law; or
(d) exclude any liabilities that may not be excluded under applicable law.