澳大利亞專業商務保險顧問

TERMS OF USE
GENERAL
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This website is operated by AustralAsia Insurance Brokers Pty Ltd ABN 41 063 324 998, Australian Financial Licence No: 229568 (AAIB). By using this website you acknowledge and agree to these terms and any additional terms, notices and disclaimers as shown on this website and in our Privacy Policy and Financial Services Guide (Terms of Use).
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These Terms of Use only govern your use of this website and must be read in conjunction with any other agreement you may have with AAIB.
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AAIB may change these Terms of Use from time to time without notice. By continuing to use this website following those changes you accept such changes.
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You are responsible for any decision that you make in connection with your use of this website and use this website at your own risk.
DISCLAIMERS AND LIMITATION
Third party content
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Information contained on this website may be obtained from a variety of third party sources. AAIB has not verified any third party information and makes no representations and, to the extent permitted by law, excludes all guarantees and warranties in relation to the information contained on this website.
Third party links
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This website may contain links to third party sites. AAIB makes no warranties or representations:
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regarding the condition or the content of those sites; or
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regarding the quality, accuracy, merchantability or fitness for purpose of any information, products or services on those sites.
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The links are provided solely for your convenience and do not indicate, expressly or impliedly, any endorsement or approval of the sites or the products or services provided on them.
Limitation
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The Competition and Consumer Act 2010 (Cth) may confer rights, guarantees and remedies on you in relation to the provision of goods and services by AAIB, which cannot be excluded, restricted or modified. AAIB does not exclude, restrict or modify those rights.
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To the fullest extent permitted by law, AAIB's liability for breach of any guarantee, which cannot be excluded, is limited at the option of AAIB to, in the case of products or services supplied or offered by AAIB which are not of a kind ordinarily acquired for personal, domestic or household use or consumption:
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the supply of the products or services again; or
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the payment of the cost of having the products or services supplied again.
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Except for the rights, guarantees and remedies which cannot be excluded, restricted or modified:
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AAIB excludes all liability (including liability arising as a result of its negligence) for any indirect or consequential expenses, losses, damages or costs, loss of profit, lost revenue, business interruption and loss of data incurred or suffered by or awarded against you under or in any way connected with these Terms of Use; and
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AAIB limits its liability in relation to any direct loss to $100
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COLLECTION AND USE OF INFORMATION
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AAIB will collect, use, disclose and handle your personal information in accordance with its Privacy Policy.
COPYRIGHT
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AAIB reserves all copyright in the content and design of this website.
COMPLAINT
Let us know what you are not happy about. Because we treasure you as our client, all complaints are immediately notified to and personally handled by our Managing Director. We will do our best to resolve it quickly with our Internal Dispute Resolution service which is free-of-charge.
Your complaint will be handled personally by our Managing Director in a fair, transparent and timely manner. We shall, in writing as far as practicable,:
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immediately (or if this is not possible as soon as practicable) acknowledge the receipt of Complaints or Disputes and address them promptly in accordance with their degree of urgency;
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only ask for and take account of relevant information in considering a Complaint or Dispute;
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immediately initiate action to correct any identified error or mistake in dealing with a Complaint or Dispute;
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keep you informed about the progress of your complaint at least every ten (10) business days;
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allow you to seek access to information we have relied on in assessing a Complaint or Dispute and provide you with access to the information, except in special circumstances, such as where this would breach any laws (e.g. privacy) or would prejudice us in relation to the Complaint or Dispute; and
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provide reasons why we will not give you access to such information mentioned above; and
If your complaint cannot be resolved within 21 days or such later time agreed with you in order to obtain information or undertake the relevant assessment or investigation to your satisfaction, then you may lodge a complaint with the Australian Financial Complaints Authority of which we are a member.:
Online: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678
Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001
We subscribe to the Insurance Brokers Code of Practice. If AFCA decides your dispute falls outside its Terms of Reference it will arrange, as Code Administrator, to determine if it falls with the terms of the Code. If so, it will follow the process below.
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Reporting a breach
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For an alleged breach to be reviewed the required complaint form must be completed and provided to the Code Compliance Manager by a Client. If appropriate, they will assist the Client in completing the form.
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Review of Code compliance
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The Code Compliance Manager may conduct compliance reviews of any Code Member whether a complaint has been received or not.
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Conciliation process
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The Code Compliance Manager will, where appropriate, endeavour to resolve alleged breaches of the Code by a Code Member by conciliation. They do not have the power to make any decisions which bind a Code Member or the complainant. They will refer any unresolved matter to the Code Compliance Committee.
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DISCLAIMER
AustralAsia Insurance Brokers Pty Ltd. (AAIB) ABN 41 063 324 998
This website provides general information on issues of interest to current or potential insurance buyers rather than financial product or other advice.
The information given in this website has been prepared without taking into account your objectives, financial situation or needs. AAIB makes no representation as to the accuracy or completeness of the information.
You should consider the appropriateness of the information, taking these matters into account, before you act on any information and in particular review the product disclosure statement (PDS) for any product that the information relates to it before acquiring the product.
Before taking any action based on the content of this website, you should seek professional advice.
To the maximum extent permitted by law, we will not be liable for any loss or damage incurred by any person as a result of use or access to this website or the content on it, including any error in any information, opinion or recommendation contained in this website (whether due to our negligence or otherwise). To the extent that terms implied by law apply to goods or services provided by us, our liability for any breach of those terms is limited at our option to either re-supplying the goods or services, repairing the goods or paying the costs of re-supply of the services or the costs of re-supply or repair of the goods.
All information is subject to copyright and may not be reproduced without AAIB's prior written consent.
Privacy Collection Statement
We collect your personal information to arrange, advise on and manage your insurance and any claims. We usually disclose it to insurers, underwriting agencies, reinsurers, other brokers, premium funders, claims service providers and our IT and administration providers, some of whom are overseas in the United Kingdom. If you don’t give us the information we ask for, we may not be able to arrange cover or handle a claim for you. Our Privacy Policy below explains how we handle your information and how to access it, correct it or make a complaint. Contact our Privacy Officer at info@aaib.com.au.
