Terms & Conditions
Welcome to the Lewis Smith Insurance website (“Website”). By accessing or using this Website, you agree to be bound by these Terms & Conditions. If you do not agree with these terms, please discontinue use of this Website.
Website Purpose
This Website is provided by Lewis Smith Insurance (“we”, “our”, “us”) to provide general information about our business, services and the commercial insurance solutions we offer.
The information published on this Website is intended for Australian users and businesses only.
General Information Only
The content on this Website is provided for general informational purposes only and should not be relied upon as personal, financial, legal or insurance advice.
Insurance recommendations should always be based on your individual circumstances, business activities and insurance requirements. Before making any decisions regarding insurance products or risk management, you should seek personalised advice from one of our advisers.
No Offer or Guarantee
Information contained on this Website does not constitute an offer to provide insurance or a guarantee that insurance will be available.
Any quotations, premiums, cover limits or policy terms are subject to assessment by insurers and their individual underwriting requirements.
Accuracy of Information
We make every reasonable effort to ensure the information on this Website is accurate and up to date.
However, we do not warrant or guarantee that:
- all information is complete, accurate or current;
- the Website will always be available;
- the Website will be free from errors or omissions; or
- all content remains suitable for your particular circumstances.
Information may be updated, amended or removed without notice.
Professional Advice
Every business has unique risks.
Any examples, guides, articles or resources provided on this Website are intended as general educational information only and should not replace professional insurance advice tailored to your circumstances.
Your Responsibilities
By using this Website you agree that you will:
- use the Website lawfully;
- provide accurate information when making enquiries;
- not attempt to interfere with the Website’s operation or security;
- not upload malicious software, viruses or harmful code;
- not attempt to gain unauthorised access to any part of the Website or associated systems; and
- not use the Website in any manner that may damage our reputation or disrupt other users.
Intellectual Property
Unless otherwise stated, all content on this Website is owned by or licensed to Lewis Smith Insurance.
This includes but is not limited to:
- text
- graphics
- logos
- branding
- icons
- images
- downloads
- page layouts
- website design
- written content
You may view, download or print material for your own personal or internal business use only.
You must not reproduce, modify, distribute, publish or commercially exploit any content without our prior written permission.
Third-Party Websites
This Website may contain links to third-party websites for your convenience.
These links do not constitute an endorsement of those websites, their products or services.
Lewis Smith Insurance is not responsible for the content, security, availability or privacy practices of external websites.
Insurance Products
Insurance products are issued by third-party insurers.
Coverage, exclusions, conditions, premiums and acceptance are determined by the insurer and the relevant Product Disclosure Statement (PDS), policy wording and underwriting guidelines.
Lewis Smith Insurance acts as an insurance adviser and intermediary in arranging insurance and providing advice.
Limitation of Liability
To the maximum extent permitted by Australian law, Lewis Smith Insurance excludes all liability for any loss, damage, cost or expense arising directly or indirectly from:
- reliance on information published on this Website;
- errors or omissions;
- interruption of Website availability;
- delays in accessing the Website;
- viruses or malicious software;
- unauthorised access to systems; or
- use of linked third-party websites.
Nothing within these Terms excludes any rights that cannot legally be excluded under Australian Consumer Law.
Privacy
Your use of this Website is also governed by our Privacy Policy.
Our Privacy Policy explains how we collect, use, store and protect your personal information when you interact with our Website or engage our services.
Website Availability
While we aim to keep this Website available at all times, we cannot guarantee uninterrupted access.
Maintenance, upgrades, technical issues or circumstances beyond our control may temporarily affect availability.
We reserve the right to suspend, modify or discontinue any part of the Website without notice.
Security
We take reasonable steps to maintain the security of this Website.
However, users acknowledge that information transmitted via the internet cannot be guaranteed to be completely secure, and use of this Website is at your own risk.
Changes to These Terms
We may update these Terms & Conditions from time to time.
Changes become effective immediately upon publication on this Website.
Your continued use of the Website constitutes acceptance of the updated Terms.
Governing Law
These Terms & Conditions are governed by the laws of Australia.
Any disputes arising from the use of this Website shall be subject to the jurisdiction of the courts of the relevant Australian State or Territory.
Contact Us
If you have any questions Terms & Conditions, please contact us.
Lewis Smith Insurance Phone: 0422 244 606
Email: llewis@lewissmithinsurance.com.au
Website: https://lewissmithinsurance.com.au