Terms & Conditions

Your use of this web site and those of any LMI companies’ websites and their products are expressly conditioned upon the following terms and conditions.

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

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 you can access them at any time through the link found at the bottom of the page.

These Terms and Conditions (“Legal Terms”) and any seperate “Terms of Use” that you may be asked to agree to describe the terms and conditions applicable to your access and use of this website and any of the products and services within the sites, 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 page titled Member Companies of the LMI Group. LMI Group may, at any time, for any reason and without notice, make changes to:

(i) this website, including its look, feel, format, and content; and
(ii) the products and/or services as described in this website.

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

This website 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 website 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 website.

LMI Group makes no representation that the information, opinions, advice or other content on the website (collectively, “Content”) is appropriate or that the products and services referred to, are available outside Australia. Those who choose to access this website from other locations do so at their own risk and are responsible for compliance with applicable local laws.
Not all of the products & services described on this website may be available in all geographic areas and furthermore you may not be eligible for them.

The website 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 website, it should not be used or relied upon as a substitute for detailed advice or as the basis for a business, financial or insurance decision. Any descriptions of insurance products, coverage and services available through insurance policies are not 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 website 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 website or reproduced from it.

You are only authorised to view, use, copy for your records and download small portions of the Content (including without limitation text, graphics, software, audio and video files and photos) of this website for your informational, non-commercial use, provided that you leave all the copyright notices, including copyright management information, or other proprietary notices intact. You may not store, modify, reproduce, transmit, reverse engineer or distribute a significant portion of the Content on this website, or the design or layout of the website or individual sections of it, in any form or media. The systematic retrieval of data from the website is also prohibited.

Email submissions over the Internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before e-mailing any information. Also, please consult our Internet privacy statement at Section 4 in these Legal Terms. You agree not to submit or transmit any emails or materials through the website that:

(i) are defamatory, threatening, obscene or harassing;
(ii) contain a virus, worm, Trojan horse or any other harmful component;
(iii) incorporate copyrighted or other proprietary material of any third party without that party’s permission; or
(iv) otherwise violate any applicable laws.

LMI Group and its member companies shall not be subject to any obligations of confidentiality regarding any information or materials that you submit online except as specified in these Legal Terms, or as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.

The commercial use, reproduction, transmission or distribution of any information, software or other material available through the website without the prior written consent of LMI Group and its member companies is strictly prohibited.

The website is protected by copyright as a collective work and/or compilation, pursuant to Australian copyright laws, international conventions and other laws. Unless otherwise indicated, the Content, including, but not limited to, graphic images, buttons, layout, trademarks, service marks, logos, (other than those of insurers, underwriting agencies) text, and other materials contained in this website are the exclusive property of LMI Group and its member companies or its third party licensors; Except as expressly provided under the “Scope of Use” Section above, you may not use, reproduce, modify, transmit, distribute, or publicly display or operate this website without the prior written permission of LMI Group and its member companies. You may not use a part of this Web Site on any other website, without LMI Group and its member companies’s prior written consent.

A number of our online services include ‘bulletin board-type’ facilities enabling some subscribers to post messages or other materials that will be accessible only to other registered subscribers of their choice. As we may provide these services, LMI Group and its member companies takes special precautions to respect the intellectual property of others, and we ask that our subscribers do the same. If you believe that the website displays copyrighted material that infringes on your legal rights, and you want us to remove or disable the infringing materials, please provide LMI Group and its member companies’s copyright agent with the information listed below.

Our designated agent for notice of claims of copyright infringement on the website is accessible via email to: vic@LMIGroup.com. The following information must be submitted so that we may properly address any notice of complaint:

Identification of the copyrighted work claimed to be infringed.
Identification of the material claimed to be infringing together with “information reasonably sufficient to permit the service provider to locate the material.” Specifically, a complete URL (or URLs in the case of multiple works) must be provided.
Your address, telephone number, and email address.
A statement that the complaining party believes, in good faith, that the copyrighted material identified is being used in a manner that is not authorised by “the copyright owner, its agent, or the law”.
A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorised to act on behalf of the owner of an exclusive right that is allegedly infringed; plus a physical or electronic signature of the complaining party.
Any notification that fails to comply with the provisions above may not, at our sole discretion, be considered sufficient notice and may not be deemed to confer upon LMI Group actual knowledge of facts or circumstances from which infringing material or acts are evident.