Terms of use

Use of this site

By using the Australian and New Zealand Institute of Insurance and Finance Inc's (we, us, our) Know Risk website, you agree to comply with these terms of use of our website.  We may change these terms of use at our discretion and without notice.  By accessing or using our website, you agree to the terms of use as they apply from time to time.

General information and not advice

Know Risk is a community education program designed by us to improve the community's understanding of insurance and how it relates to managing the risks we all face in life.  Our website contains a network of website tools (including videos, documentaries and mobile applications), information and links to other websites and publications to provide you with helpful information about risk and insurance. 

These tools, information and links are to be used at your own discretion.  Your use of this website, or the receipt of any information from us or this website, is not intended to create nor does it create any relationship between you and us, including an insurance and risk manager relationship.  The content on our website, including links to other websites and publications, is intended only to provide general information.  It is not intended to be comprehensive nor to constitute personal advice, insurance or risk management advice, financial advice, legal advice or other advice.  You should seek individual or other professional advice on any specific issues concerning you. 

Disclaimer of liability

This website and its content is provided 'as is'.   Your use of this website, and your reliance on its content, is entirely at your own risk.   We try to ensure that all information contained on this website is correct at the time of inclusion and that this website is free from viruses and other operational problems, however we do not give any guarantees in this regard.  We do not warrant the  accuracy, adequacy, completeness or reliability of the content on this website nor its appropriateness to your circumstances.  We make no warranties or representations about this website or its content.

To the maximum extent permitted by law, we exclude our liability to you (including because of our negligence) for any loss (including lost profit, lost opportunity, lost revenue, lost data, losses resulting from security failure or computer viruses, and any indirect loss or consequential loss) which may arise as a result of the use of this website and reliance on its content.

Third party links

This website (or social media websites on which we maintain a presence) contains links to third party websites over which we have no control.   Those links are provided solely for your convenience and we are not responsible for their use, effect or content.   We do not endorse any third party websites to which this website contains links nor the information, opinions, goods  or services provided, advertised or otherwise mentioned on those websites.

Intellectual property

Unless otherwise indicated, we own the copyright and other intellectual property rights in the content of this website.  Any infringement of those rights will be subject to legal action for infringement.  While you may browse or print content for non-commercial, personal or internal business use, you must obtain our prior written consent if you would like to use, copy or reproduce any part of this website for any other purpose. 

All trade marks on this website belong to their respective owners. 

Applicable law

These terms of use, and your use of our website, are governed by the laws of Victoria, Australia.  By using this website, you irrevocably and unconditionally submit to the jurisdiction of the courts of that State.


You can read our Privacy Policy here.

Copyright © 2013 Australian and New Zealand Institute of Insurance and Finance Inc.  All rights reserved.

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