1. General

1.1 This website is operated by BMT Insurance Brokers Pty Ltd, Australian Financial Licence No: 487261. By using this website you acknowledge and agree to these terms and any additional terms, notices and disclaimers which appear on this website and the BMT Insurance Brokers Pty Ltd Privacy Policy and Financial Services Guide (Terms of Use).

1.2 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 BMT Insurance Brokers Pty Ltd.

1.3 BMT Insurance Brokers Pty Ltd may alter these Terms of Use from time to time without notice. Your continued use of the website following those changes indicates your acceptance of those changes.

2. Availability of the website

2.1 We will use reasonable endeavors to ensure the security and availability of the website. However we cannot guarantee that the provision of the website will be uninterrupted, timely, secure or error free.

2.2 You are responsible for any decision that you make in connection with your use of the website and use the website at your own risk.

3. Disclaimers and limitation

Third party content

3.1 Information contained on this website may be obtained from a variety of third party sources. BMT Insurance Brokers Pty Ltd 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

3.2 This website may contain links to third party sites. BMT Insurance Brokers Pty Ltd makes no warranties or representations:

3.2.1 Regarding the condition or the content of those sites; or

3.2.2 Regarding the quality, accuracy, merchant ability or fitness for purpose of any information, products or services on those sites.

3.3 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.


3.4 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 BMT Insurance Brokers Pty Ltd, which cannot be excluded, restricted or modified. BMT Insurance Brokers Pty Ltd does not exclude, restrict or modify those rights.

3.5 To the fullest extent permitted by law, BMT Insurance Brokers Pty Ltd’s liability for breach of any guarantee, which cannot be excluded, is limited at the option of BMT Insurance Brokers Pty Ltd to, in the case of products or services supplied or offered by BMT Insurance Brokers Ltd which are not of a kind ordinarily acquired for personal, domestic or household use or consumption:

3.5.1 The supply of the products or services again; or

3.5.2 The payment of the cost of having the products or services supplied again.

3.6 Except for the rights, guarantees and remedies which cannot be excluded, restricted or modified:

3.6.1 BMT Insurance Brokers Pty Ltd 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

3.6.2 BMT Insurance Brokers Pty Ltd limits its liability in relation to any direct loss to $100.

4. Copyright

4.1 BMT Insurance Brokers Pty Ltd reserves all copyright in the content and design of this website.

4.2 You may make a temporary copy of part this website on your local computer for the sole purpose of viewing it. You may also print copies for your own use.

4.3 Except to the extent permitted by law, you may not:

4.3.1 Adapt, reproduce, store, distribute, transmit, print, display, perform, publish or create derivative works from any part of this website or information obtained from the website;

4.3.2 Commercialise any information obtained from the website without our written permission; or

4.3.3 Disassemble, decompile or reverse engineer the website.

5. Cookies

5.1 This website uses "cookie" technology to assist in identifying registered users and delivering contents specific to your interest. Cookies are pieces of information stored on an individual's computer and are used for customising site information to improve user experience and for tracking user navigation.

5.2 If you do not wish information to be gathered on a cookie you should disable the acceptance of cookies by your web browser. Your Internet Service Provider may be able to assist you with this.

6. Collection and use of information

6.1 BMT Insurance Brokers Pty Ltd will collect, use, disclose and handle your personal information in accordance with its Privacy Policy.

7. Termination rights

7.1 We may terminate your access to the website or refuse to provide you with access to the website without notice, at our discretion.

7.2 On termination of your access to the website, we may permanently delete any content that we have received from you.

8. Statement of the law

8.1 Statements made on the BMT Insurance Brokers Pty Ltd website are not intended to be statements of law.

9. Jurisdiction

9.1 The laws governing these Terms of Use will be the laws of the relevant State or Territory.

10. Time

10.1 BMT Insurance Brokers Pty Ltd will use its best endeavours to perform the Work in accordance with agreed times, but any such agreed times are estimates only and BMT Insurance Brokers Pty Ltd will not be liable for any claim for late or non- performance.

10.2 The Client must pay BMT Insurance Brokers Pty Ltd for any reasonable costs incurred by BMT Insurance Brokers Pty Ltd arising from or in connection with any delay in the provision of the Services that is beyond the reasonable control of BMT Insurance Brokers Pty Ltd.