Important Information

Your Duty of Disclosure

Before you enter into a contract of general insurance, you have a duty, under the Insurance Contracts Act 1984, to disclose every matter that you know or could be reasonably expected to know, is relevant to the underwriters decision whether to accept the risk of insurance and if so in what terms.

You have the same duty to disclose those matters before you renew, extend, vary or reinstate a contract of general
insurance. Your duty however, does not require disclosure of a matter:
• That diminishes the risk to be undertaken
• That is of common knowledge
• That the underwriters know or, in the ordinary course of business ought to know
• As to which compliance with your duty is waived by the underwriters

Non-Disclosure

If you fail to comply with your duty of disclosure, the underwriters may be entitled to reduce their liability under the contract in respect of a claim or may cancel the contract. If your non-disclosure was fraudulent, the underwriters may also have the option of avoiding the contract from its beginning.

Retail Clients

Under the Corporations Act 2001 and associated regulations, Retail Clients are provided with additional levels of protection from other insurance purchasers. The Act defines Retail Clients as:

Individuals or a small manufacturing business employing less than 100 people or any other business employing less than 20 people;
AND that are being provided a financial service or product that relates to the following insurance covers:
Motor Vehicle (under 2 tonne), Home Building, Contents, Personal and Domestic, Sickness and Accident or Travel, Consumer Credit and other classes as prescribed by regulations.

Privacy

Our Privacy Policy explains how we use and disclose your personal information in accordance with the Australian Privacy Principles. For a copy of our Privacy Policy please
refer to our website.

What Advice is being Provided? (Retail Clients Only)

If you are a RETAIL CLIENT (refer above) and a Statement of Advice has not been provided to you with this invoice then the advice that we are giving you related to this transaction is General Advice.

General Advice is advice that has been prepared without considering your current objectives, financial situation or needs. Therefore, before acting on this advice, you should
consider the appropriateness of the advice having regard to your current objectives, financial situation or needs.

If the advice provided relates to the acquisition or possible acquisition of a new insurance policy and the insurer has prepared a Product Disclosure Statement (PDS) we will have attached the PDS for your review. You should consider the PDS prior to making the decision to purchase this product. Further information regarding the income we have been paid by the insurer for this transaction is available upon request.

Disputes

We are members of the Australian Financial Complaints Authority (AFCA). If your complaint cannot be resolved to your satisfaction by us, you have the right to refer the matter
to the AFCA. AFCA provides fair and independent financial services complaint resolution that is free to customers. AFCA can be contacted at directly on 1800 931 678 or visit www.afca.org.au

Cancellation Warning (Retention of Brokerage and Fees)

If a cover is cancelled before expiry of the period of insurance, we reserve the right to refund to you only the net return premium we received from the insurer, and not refund
any part of the brokerage or fees we receive for arranging the cover.

Underwriting Agents and Wholesale Brokers

In some cases we access insurance products via Underwriting Agents and Wholesale Brokers rather than directly with the insurer. In such cases should you wish to
access the Financial Services Guide of the Underwriting Agency or Wholesale Broker please contact us and we will arrange to have a copy sent out to you.

Third Party Interests

Insurance policies will only provide cover for your interest in the property insured and does not cover the interest of any third parties unless you have informed us of them in writing and they are noted on the policy.

Electronic Provision of Documents

We assume that we have your consent to provide disclosure documents to you electronically. If you do not wish to receive documents electronically, please advise us and we will update your details accordingly.