Website Disclaimer & Terms of Use

General Information Disclaimer

The information on this website is of a general nature only. It does not take into account your individual objectives, financial situation or specific insurance needs, and does not constitute personal financial advice or professional opinion. Before making any decision regarding insurance or risk management based on information on this site, please contact Fortis Risk Solutions to obtain a copy of our Financial Services Guide (FSG) and full details of our products and services, including applicable terms, conditions, remuneration structures and fees.

Nothing on this website constitutes an offer or binding commitment. Insurance coverage is effective only upon formal policy issuance by the relevant insurer. Fortis Risk Solutions does not guarantee that any insurer will accept your proposal or settle any claim.

All product information is subject to change without notice.

Non-Advisory Statement & Formation of Professional Relationship

Browsing this website does not create a broker-client relationship; such relationship shall be established only upon execution of a formal engagement agreement or Terms of Business.

Personalised insurance solutions, risk assessments and formal advice will be provided by Fortis Risk Solutions following the issuance of our Financial Services Guide (FSG) and your written acknowledgement.

When submitting proposal information, you acknowledge your Duty of Disclosure under the Insurance Contracts Act 1984. Failure to disclose all material facts may entitle an insurer to decline cover, avoid the policy or refuse a claim.

Online Enquiries & Submissions

Acknowledgement of enquiries or quote requests submitted through this website will normally be provided within one business day. Fortis Risk Solutions accepts no responsibility for:

• Unauthorised access, security breaches, transmission delays or technical failures
• Third-party communication network interruptions or events beyond our reasonable control
• Errors, omissions or delays occurring during data transmission.

Third-Party Websites & External Links

This website may contain links to insurer sites, industry bodies or partner platforms. Fortis Risk Solutions provides these links for convenience only; we do not endorse, guarantee or warrant the accuracy of their content, nor are we responsible for their products, services or performance. Access and use of third-party sites is subject to their own terms and privacy policies.

Website Terms of Use

By accessing or using this website, you agree to be bound by these Terms in full. If you do not agree, please discontinue use.

1. Intellectual Property & Ownership

All content on this website, including text, graphics, logos, images, audio-visual material, software code and data, is the intellectual property of FRS or its licensors and is protected by copyright laws.

• You may download or print one copy solely for personal, non-commercial use
• You must not reproduce, distribute, modify, scrape, republish or use any content for commercial purposes without the prior written consent of Fortis Risk Solutions
• All trademarks and service marks displayed remain the property of Fortis Risk Solutions or their respective owners; nothing in these Terms grants any licence or right to use such marks.

2. Acceptable Use & Prohibited Activities

You may use this website only for lawful purposes. You must not:

• Use this site for fraudulent, misleading or unauthorised financial activities
• Upload viruses, malicious code or unlawful/infringing material
• Attempt unauthorised access, scrape data in bulk or otherwise disrupt website operations
• Deploy automated tools to monitor or extract website content
• Impersonate any person or entity or provide false information
• Post or distribute advertising or promotional material without Fortis Risk Solutions’ prior approval.

You are responsible for maintaining the confidentiality of your account details and for all activities conducted under your credentials. FRS reserves the right to suspend or terminate access at any time without notice.

3. Service Availability

Fortis Risk Solutions will take reasonable steps to maintain website availability; however, we do not warrant that access will be uninterrupted, error-free or entirely free from malicious components. Scheduled maintenance, system upgrades or third-party failures may temporarily affect availability.

4. Privacy

Your use of this website is subject to the Fortis Risk Solutions Privacy Policy. Personal information is handled in accordance with the Privacy Act 1988, and shared with insurers, AFSL-authorised entities and compliant service partners only as necessary to arrange, administer or support your insurance cover.

5. Warranty Disclaimer

To the fullest extent permitted by law, this website and all content are provided “as is” and “as available”. Fortis Risk Solutions makes no representations or warranties, express or implied, regarding:

• The accuracy, completeness or timeliness of information presented
• Uninterrupted or secure access to the website
• Suitability of information for your specific risk profile
• The financial position or solvency of any insurer listed on this site.

6. Limitation of Liability

To the extent permitted by law, Fortis Risk Solutions shall not be liable for any loss including indirect, consequential, business interruption or financial loss arising from:

• Your use of, or inability to use, this website
• Reliance on general information provided on the site
• Unauthorised access to or alteration of data in transit
• Errors, omissions or inaccuracies in published content
• The aggregate liability for any single event shall not exceed the fees paid by you to Fortis Risk Solutions for the relevant service.

Nothing in these Terms excludes or restricts statutory rights under the Australian Consumer Law that cannot be excluded, including guarantees of acceptable quality, fitness for purpose and correspondence with description.

7. Indemnity

You agree to indemnify and hold harmless Fortis Risk Solutions, its directors, employees, contractors and service partners from and against all claims, losses, costs and liabilities arising from your breach of these Terms, unlawful conduct or improper use of this website.

8. Complaints & Dispute Resolution

Concerns regarding our services should first be raised through Fortis Risk Solutions’ internal complaints process at admin@fortisrisksolutions.com.au. If unresolved, you may refer the matter free of charge to the Australian Financial Complaints Authority (AFCA). These Terms are governed by and construed in accordance with the laws of Victoria, Australia.

9. Changes to Terms

Fortis Risk Solutions reserves the right to update these Terms at any time. Material changes will be notified via website notice. Your continued use of this site following publication constitutes acceptance of the updated Terms. These Terms represent the entire agreement between the parties concerning website use and supersede all prior oral or written understandings.