Website Terms of Use

Acceptance of These Terms

These Terms of Use govern your access to and use of the MKW website. By accessing or using the website, you agree to be bound by these Terms of Use, our Website Disclaimer, Privacy Policy and Cookie Policy. If you do not agree with these terms, please discontinue use of the website.

Who We Are

The website is operated by MKW Holdings Pty Ltd trading as MKW Insurance Brokers (ABN 53 617 495 495), holder of Australian Financial Services Licence No. 502391.

Changes to These Terms

We may update these Terms of Use from time to time. The current version applies each time you use the website. Continued use of the website after updates are published constitutes acceptance of the revised terms.

Website Content & Availability

• Information is provided for general information purposes only and may change without notice.
• We do not guarantee uninterrupted, secure or error-free website access.
• The website may contain technical inaccuracies or temporary outages.
• We may suspend, restrict, withdraw or modify any part of the website without notice.

Financial Services Information

Information relating to financial products or services is provided as general advice only and does not consider your objectives, financial situation or needs. Please review the relevant Product Disclosure Statement (PDS), Target Market Determination (TMD), Financial Services Guide (FSG) and policy wording before making any decision.

Insurance Product Information

Any description of insurance cover is a summary only. Cover remains subject to the policy wording, limits, exclusions, endorsements, conditions and insurer underwriting acceptance.

Acceptable Use & User Conduct

You must not:

• Use the website for unlawful, fraudulent or misleading purposes.
• Interfere with website operations, systems, servers or networks.
• Introduce viruses, malware or other harmful material.
• Attempt unauthorised access to systems, databases or infrastructure.
• Scrape, harvest or data-mine website information.
• Republish or redistribute website content except where permitted.

Intellectual Property

All website content, branding, graphics, layouts, images, logos, publications and documentation remain the property of MKW Insurance Brokers or its licensors and are protected under applicable intellectual property laws.

Links to and From the Website

The website may contain links to third-party websites. MKW Insurance Brokers does not endorse or accept responsibility for third-party content and associated websites.

Cyber Security

Users are responsible for maintaining their own cyber security measures, including secure passwords, up-to-date software and antivirus protection. We encourage all visitors to remain vigilant against cyber fraud and phishing attempts.

Disclaimer & Limitation of Liability

The website is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, MKW Insurance Brokers excludes liability for losses arising from use of the website, subject always to rights that cannot be excluded under Australian law.

Privacy & Cookies

Your use of this website is also governed by our Privacy Policy and Cookie Policy.

Complaints

Information regarding complaints handling and dispute resolution is available within our Complaints & Dispute Resolution section.

Governing Law

These Terms of Use are governed by the laws of New South Wales, Australia, and any disputes will be subject to the non-exclusive jurisdiction of the New South Wales courts.

Severability

If any provision of these Terms of Use is found to be invalid, the remaining provisions will continue in full force and effect.