About This Website

This website is owned and operated by Avoca Group Pty Ltd (ABN 32 114 246 721 / Australian
Financial Licence No: 289811) trading as Avoca Insurance Brokers (Avoca Insurance Brokers).

By using this website you acknowledge and agree to these terms and any additional terms, notices
and disclaimers that appear on this website, Avoca Insurance Brokers Privacy Policy and Financial
Services Guide (Terms of Use).

Avoca Insurance Brokers may change 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.

General Advice

The information provided here is general advice only and has been prepared without taking into
account of your objectives, financial situation, or needs. Before acting on the advice, you should
consider the appropriateness of the advice, having regard to your personal circumstances and any
relevant Product Disclosure Statement before deciding to acquire, vary or dispose of any insurance
product.

Collection And Use Of Information

You may register with us via this website to receive newsletters and other information. By doing so,
your name and email address will be collected and stored on our database. If provided, Avoca
Insurance Brokers will collect, use, disclose and handle your personal information in accordance
with its Privacy Policy.

Third Party Content and Links

This website also contains information from third parties. Avoca Insurance Brokers 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 any third-party information contained on this
website.

It is the responsibility of users to make their own decisions about the accuracy, currency, reliability
and correctness of the information at those sites.

This website also contains links to third-party sites. Avoca Insurance Brokers makes no warranties or
representations:

• Regarding the condition or the content of those sites; or
• Regarding the quality, accuracy, merchantability, or fitness for purpose of any information,
  products or services on those sites.

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.

Copyright

Avoca Insurance Brokers reserves all copyright in the content and design of this website. The
information on this site is owned by Avoca Insurance Brokers unless otherwise stated.

You must not otherwise reproduce, adapt, store, transmit, print, display, publish or create plagiaristic
works from any part of the content or design of this website except with Avoca Insurance Brokers
prior written consent or as permitted by applicable copyright legislation.

Cookies

We use technology to collect anonymous information about the use of our website e.g. when you
browse our website our service provider logs your server address, the date and time of your visit,
the pages and links accessed and the type of browser used. It does not identify you personally and
we only use this information for statistical purposes and to improve the content and functionality of
our website, to better understand our clients and markets and to improve our services.

In order to collect this anonymous data, we may use “cookies”. Cookies are small pieces of
information that are sent to your browser and stored on your computer’s hard drive. Sometimes
they identify users where the website requires information to be retained from one page to the next.
This is purely to increase the functionality of the site. Cookies by themselves cannot be used to
discover the identity of the user. Cookies do not damage your computer and you can set your
browser to notify you when you receive a cookie so that you can decide if you want to accept it.
Once you leave the site, the cookie is destroyed and no personal or other information about you is
stored. If you do not wish to receive cookies, you can instruct your web browser to refuse them.

Governing Law

This website has been prepared in accordance with Australian law. This notice and the information
on this site are governed by and are to be construed according to the laws applicable in the State of
Western Australia and the Commonwealth of Australia. The information may not satisfy the laws of
any other country; it is not directed at people in any other country and should not be relied on by
people in any country other than Australia. The information on this site is current at the date of
publication but may be subject to change.