Terms of Use

Important disclaimer – Sami Insurance Trading Pty Ltd (Sami Insurance)ABN 52 646 774 129
All content on the Sami Insurance website summarises selected issues of interest to current or potential insurance buyers.
This website provides information rather than financial product or other advice. The content of this site, including any information contained on it, has been prepared without taking into account your objectives, financial situation or needs. You should consider the appropriateness of the information, taking these matters into account, before you act on any information. In particular, you should review the product disclosure statement for any product that the information relates to it before acquiring the product.
Professional advice should always be sought before any action is taken based on the content of this site.
The information provided on this site is general in nature only.
Information is current as at the date articles are written as specified within them but is subject to change. Sami Insurance makes no representation as to the accuracy or completeness of the information.
Any statements relating to the past may not occur in future.
Any case studies are shown for illustrative purposes only.
To the maximum extent permitted by law, we will not be liable for any loss or damage incurred by any person as a result of use or access to this website or the content on it, including any error in any information, opinion or recommendation contained in this website (whether due to our negligence or otherwise). To the extent that terms implied by law apply to goods or services provided by us, our liability for any breach of those terms is limited at our option to either re-supplying the goods or services, repairing the goods or paying the costs of re-supply of the services or the costs of re-supply or repair of the goods.
All information is subject to copyright and may not be reproduced without the prior written consent of Sami Insurance.
  1. General
    1. This website is operated by Sami Insurance Trading Pty Ltd (Sami Insurance) ABN 52 646 774 129, as is Corporate Authorised Representative (CAR 001299619) of F.D. Beck and Sons Pty Ltd ABN 68 004 455 038 (AFSL 233784). Sami Insurance is a Corporate Authorised Distributor and has entered into an arrangement with Keystone Underwriting Pty Ltd (Keystone Underwriting) ABN 78 601 944 763 as Corporate Authorised Representative (CAR 000468712) of Keystone Underwriting Australia Pty Ltd ABN 59 634 715 674 (AFSL 518224) and F.D. Beck & Sons Pty Ltd ABN 68 004 455 038 (AFSL 233784). Sami Insurance acts as agent of Keystone Underwriting. This website is made available to provide visitors with information and material about the products and services of Keystone Underwriting. By using this website, you acknowledge and agree to these terms and any additional terms, notices and disclaimers which appear on this website and the Sami Insurance Privacy Policy and Financial Services Guide (Terms of Use).
    2. These Terms of Use only govern your use of this website and must be read in conjunction with any other agreement you may have with Sami Insurance.
    3. Sami Insurance may alter 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.
  2. Availability of the website
    1. We will use reasonable endeavours to ensure the security and availability of the website. However, we cannot guarantee that the provision of the website will be uninterrupted, timely, secure or error free.
    2. You are responsible for any decision that you make in connection with your use of the website and use the website at your own risk.
  3. Login and Information Provided by You
    1. You will be required to provide us with certain information to use some parts of the website. You are responsible for all authorised use or activity that occurs using your details.
    2. You must promptly notify us if there is any (or any suspected) unauthorised use of your account.
    3. All information that you provide to us in connection with your use of the website must be complete, true and correct.
    4. You warrant to us that any content that you provide to us via the website:
      1. if it includes personal information of a third party, will not be provided to us without the consent of that third party; and
      2. is not misleading or deceptive.
  4. Disclaimers and Limitation
    1. Third Party Content
      Information contained on this website may be obtained from a variety of third party sources. Sami Insurance 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 the information contained on this website.
    2. Third Party Links
      This website may contain links to third party sites. Sami Insurance makes no warranties or representations:
      1. regarding the condition or the content of those sites; or
      2. regarding the quality, accuracy, merchantability or fitness for purpose of any information, products or services on those sites.
    3. 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.
    4. Limitation
      The Competition and Consumer Act 2010 (Cth) may confer rights, guarantees and remedies on you in relation to the provision of goods and services by Sami Insurance, which cannot be excluded, restricted or modified. Sami Insurance does not exclude, restrict or modify those rights.
    5. To the fullest extent permitted by law, Sami Insurance's liability for breach of any guarantee, which cannot be excluded, is limited at the option of Sami Insurance to, in the case of products or services supplied or offered by Sami Insurance which are not of a kind ordinarily acquired for personal, domestic or household use or consumption:
      1. the supply of the products or services again; or
      2. the payment of the cost of having the products or services supplied again.
    6. Except for the rights, guarantees and remedies which cannot be excluded, restricted or modified:
      1. Sami Insurance excludes all liability (including liability arising as a result of its negligence) for any indirect or consequential expenses, losses, damages or costs, loss of profit, lost revenue, business interruption and loss of data incurred or suffered by or awarded against you under or in any way connected with these Terms of Use; and
      2. Sami Insurance limits its liability in relation to any direct loss to A$100.
  5. Copyright
    1. Sami Insurance reserves all copyright in the content and design of this website.
    2. You may make a temporary copy of part this website on your local computer for the sole purpose of viewing it. You may also print copies for your own use.
    3. Except to the extent permitted by law, you may not:
      1. adapt, reproduce, store, distribute, transmit, print, display, perform, publish or create derivative works from any part of this website or information obtained from the website;
      2. commercialise any information obtained from the website without our written permission; or
      3. disassemble, decompile or reverse engineer the website.
  6. Cookies
    1. This website uses "cookie" technology to assist in identifying registered users and delivering contents specific to your interest. Cookies are pieces of information stored on an individual's computer and are used for customising site information to improve user experience and for tracking user navigation.
    2. If you do not wish information to be gathered on a cookie you should disable the acceptance of cookies by your web browser. Your Internet Service Provider may be able to assist you with this.
  7. Collection and Use of Information
    1. Sami Insurance will collect, use, disclose and handle your personal information in accordance with its Privacy Policy.
  8. Termination Rights
    1. We may terminate your access to the website or refuse to provide you with access to the website without notice, at our discretion.
    2. On termination of your access to the website, we may permanently delete any content that we have received from you.
  9. Statement of the Law
    1. Statements made on the Sami Insurance website are not intended to be statements of law.
  10. Jurisdiction
    1. The laws governing these Terms of Use will be the laws of Victoria, Australia.

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