Website Disclaimer

MKW Holdings Pty Ltd trading as MKW Insurance Brokers (ABN 53 617 495 495, AFSL 502391) (“MKW”, “we”, “us”, “our”) provides the information on this website in good faith and for general information purposes only. By accessing or using this website you accept this Disclaimer.

General information only

The information on this website is general in nature. It may not be complete, current, accurate or suitable for your particular circumstances, and it may change without notice. You should not rely on it as a substitute for professional advice tailored to your needs.

General advice warning

Any financial product information on this website is general advice only and does not take into account your objectives, financial situation, needs or personal circumstances. Before acting on any information, consider whether it is appropriate for you and review the relevant Product Disclosure Statement (PDS), Target Market Determination (TMD), our Financial Services Guide (FSG) and the applicable policy wording.

No personal, legal, tax or accounting advice

Nothing on this website constitutes personal financial product advice, legal advice, taxation advice or accounting advice. You should obtain your own professional advice before making any decision.

Insurance products

All insurance cover is subject to the terms, conditions, limits, exclusions, endorsements, excesses and eligibility criteria of the relevant policy, and to acceptance by the insurer. Descriptions of cover on this website are summaries only and do not vary or override any policy wording issued by an insurer.

Your duty to the insurer

When applying for, varying or renewing insurance, you have important duties to the insurer. For consumer insurance contracts, you have a duty to take reasonable care not to make a misrepresentation to the insurer. For other (non-consumer) insurance contracts, a duty of disclosure applies. If you do not comply, the insurer may reduce or refuse a claim, or cancel the policy. These duties arise under the Insurance Contracts Act 1984 (Cth).

Limitation of liability

To the maximum extent permitted by law, MKW excludes all liability for any loss or damage (including indirect or consequential loss) arising from your use of, or reliance on, information contained on this website, or from any error or omission in that information. Nothing in this Disclaimer excludes any liability that cannot lawfully be excluded, including under the Australian Consumer Law.

Third-party websites and content

This website may contain links to third-party websites and resources. Those links are provided for convenience only. MKW does not control, endorse or accept responsibility for the content, products, services or privacy practices of any third-party website.

Intellectual property

All content on this website is owned by or licensed to MKW unless otherwise stated. See Section 11 (Copyright & Intellectual Property).

Privacy

Your use of this website is subject to our Privacy Policy, which explains how we collect, use, disclose and protect personal information.