Your use of this web site and those of member companies and their products are  expressly conditioned upon your accepting and agreeing to these terms of use. By clicking yes to the box marked “I agree to abide by the above terms and conditions” you confirm your agreement to be bound by all the terms and conditions listed here.

IF THESE TERMS OF USE ARE NOT COMPLETELY ACCEPTABLE TO YOU, YOU MUST IMMEDIATELY TERMINATE YOUR USE OF THIS WEB SITE.

You may print a copy of these Terms of Use for your records at any time by using the "print" function on your internet browser.

These Terms of Use ("Legal Terms") describe the terms and conditions applicable to your access and use of this web site, which is owned, operated and controlled by LMI Group.

LMIGroup, at any time, for any reason and without notice, make changes to (i) this Web Site,  including its look, feel, format, and content, as well as (ii) the products and/or services as described in this Web Site. Any modifications will take effect when posted to the Web Site. Therefore, each time you access the Web Site, you need to review the Legal Terms upon which access and use of this Web Site is conditioned. By your continuing use of the Web Site after changes are posted, you will be deemed to have accepted such changes.

The website is directed to those individuals and entities located in Australia and New Zealand. It is not directed to any person or entity in any jurisdiction where (by reason of nationality, residence, citizenship or otherwise) the publication or availability of the Web Site and its content, including its products and services, are unavailable or otherwise contrary to local laws or regulations. If this applies to you, you are not authorized to access or use any of the information on this Web Site. LMIGroup makes no representation that the information, opinions, advice or other content on the Web Site (collectively, "Content") is appropriate or that the products referred to and services are available outside of Australia. Those who choose to access this Web Site from other locations do so at their own risk and are responsible for compliance with applicable local laws.

Not all of the products and services described on this Web Site may be available in all geographic areas of Australia or New Zealand. You may not be eligible for all of the insurance products and services described in this Web Site.