Website Terms and Conditions

These terms and conditions (“Terms”) govern your use of our website located at focusedinsuranceservices.com.au(“Website”) and form a binding agreement between you, the user of the Website, and Focused Insurance Services Pty Ltd (“we”, “us”, “our”). These Terms are important and should be read carefully. By accessing or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms.

We grant you a non-exclusive, worldwide, non-transferable licence to access and use the Website in accordance with these Terms. You may use the Website in the normal manner, including any incidental copying that occurs as part of that use, and may print one copy of any page for your personal, non-commercial use.

You must not add, upload, transmit, or publish any content on the Website that:

• you do not have all necessary rights, licences, and consents to use;
• would cause you or us to breach any law, regulation, code, or legal obligation;
• is or could reasonably be considered offensive, misleading, defamatory, inappropriate, abusive, threatening, discriminatory, or unlawful;
• would bring us or the Website into disrepute; or
• infringes the intellectual property or other rights of any person.

The Website may contain links to third-party websites and content provided by parties other than us. We do not endorse, sponsor, or approve any third-party content or linked websites.

You acknowledge and agree that:

• we retain full editorial control over the Website and may modify, suspend, or discontinue the Website at any time at our sole discretion; and
• the Website may not be available at all times and may be interrupted or unavailable for maintenance or other reasons.

While we endeavour to ensure that information on the Website is accurate and current, we make no representations or warranties as to the accuracy, reliability, relevance, adequacy, or completeness of any information provided. We do not undertake to keep the Website updated and accept no responsibility for any loss arising from reliance on information contained on the Website.

All information on the Website is provided for general information purposes only and does not constitute insurance, financial, legal, or other professional advice. Information may be changed or removed at any time without notice. You should seek independent professional advice relevant to your personal circumstances before acting on any information contained on this Website.

Your reliance on any information on the Website is at your own risk.

You are responsible for ensuring that your access to the Website does not expose your systems to viruses, malware, or other harmful material. We are not responsible for any damage to your computer systems arising from your use of this Website or any linked website.

Accessing the Website or receiving information through it does not create a client, adviser, broker, insurer, or agency relationship between you and us.

Nothing in these Terms constitutes a transfer of any intellectual property rights. All intellectual property rights in the Website are owned by us or our licensors.

If you submit, upload, or post any content to the Website, you grant us a perpetual, non-exclusive, royalty-free, irrevocable, worldwide, and transferable licence to use, reproduce, modify, adapt, publish, and communicate that content in any form. You consent to any act or omission that would otherwise infringe your moral rights and warrant that you have all necessary rights and permissions to grant this licence. These licences survive termination of these Terms.

You represent and warrant that:

• you have the legal capacity to enter into these Terms; and
• you will comply with these Terms at all times.

To the maximum extent permitted by law, we exclude all liability for loss of data, business interruption, or indirect or consequential loss or damage.

Except as expressly stated in these Terms, we exclude all representations, warranties, or conditions, whether express or implied, to the extent permitted by law.

Nothing in these Terms excludes or limits any rights or remedies that cannot be excluded under applicable law. Where liability cannot be excluded, our liability is limited (at our option) to:

• in the case of goods: replacement, repair, or reimbursement of the cost of replacement or repair; and
• in the case of services: re-supplying the services or paying the cost of having the services supplied again.

To the fullest extent permitted by law, we are not liable for any loss or damage (including negligence) arising directly or indirectly from:

• your use of the Website;
• any linked website; or
• any information made available through the Website.

You acknowledge that you have had a reasonable opportunity to assess the Website and that you have not relied on our skill or judgment in deciding to use it.

These Terms terminate automatically if we cease operating the Website. We may terminate these Terms immediately if you breach any provision of them.

You must not assign or transfer your rights under these Terms without our prior written consent.

If any provision of these Terms is invalid or unenforceable, it will be severed to the extent necessary without affecting the remaining provisions.

Each party must do everything reasonably necessary to give full effect to these Terms.

These Terms are governed by the laws of Queensland, Australia, and you submit to the exclusive jurisdiction of the courts of Queensland.

You agree to indemnify us against all losses, damages, costs, and expenses (including legal costs) arising from your access to or use of the Website, or any content you submit, post, or transmit through it.