Financial services in Australia are provided by our subsidiaries, Avatar Brokers Pty Limited (Avatar Brokers) and Avatara Brokers Pty Limited (Avatara Brokers).
Our FSG will help you decide whether to use the financial services Avatar and Avatara Brokers provide.
Please contact us if you would like to be sent a hard copy version.
Avatar Brokers: Australian Financial Services Licence – No. 453267.
Avatara Brokers: Australian Financial Services Licence – No. 542969.
Before you instruct us to arrange your insurance, please read these Important Notices which:
If you have any questions, or you need to make a declaration, please contact your broker.
You can download an electronic version of our current Important Notices by clicking below.
Please contact us if you would like to be sent a hard copy version.
Our Complaints Handling Process is detailed here.
Clients not satisfied with our services should contact our Complaints Officer by phone or mail:
phone: +61 2 8377 9150
mail: Complaints Officer
Avatar Brokers Pty Limited
GPO Box 564
SYDNEY NSW 2000
We are members of the Australian Financial Complaints Authority (AFCA), a free consumer service. If you are unhappy with our response to your complaint you have the right to refer the complaint to AFCA. AFCA can be contacted as follows:
We are committed to protecting your privacy and confidentiality in accordance with the Privacy Act 1988 (Cth) (Privacy Act). Please refer to our Privacy Policy Statement and General Data Protection Regulation (GDPR) Notice, which describe our current policies and practices regarding the handling and use of personal information.
PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS WEBSITE.
Welcome to our website. If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy and website disclaimer, govern www.avatarbrokers.com’s relationship with you in relation to your use of this website. By using this website, you signify your acceptance of these terms and conditions of use. For the purposes of these terms and conditions, “Us”, “Our” and “We” refers to www.avatarbrokers.com and “You” and “Your” refers to you, the client, visitor, website user or person using our website.
AMENDMENT OF TERMS
We reserve the right to change, modify, add or remove portions of these terms at any time. Please check these terms regularly prior to using our website to ensure you are aware of any changes. We will endeavour to highlight any significant or substantive changes to you where possible. If you choose to use our website then we will regard that use as conclusive evidence of your agreement and acceptance that these terms govern your and www.avatarbrokers.com’s rights and obligations to each other.
LIMITATION OF LIABILITY
It is an essential pre-condition to you using our website that you agree and accept that www.avatarbrokers.com is not legally responsible for any loss or damage you might suffer related to your use of the website, whether from errors or from omissions in our documents or information, any goods or services we may offer or from any other use of the website. This includes your use or reliance on any third party content, links, comments or advertisements. Your use of, or reliance on, any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific, personal requirements. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
LINKS TO OTHER WEBSITES
www.avatarbrokers.com may from time to time provide on its website, links to other websites, advertisements and information on those websites for your convenience. This does not necessarily imply sponsorship, endorsement, or approval or arrangement between www.avatarbrokers.com and the owners of those websites. www.avatarbrokers.com takes no responsibility for any of the content found on the linked websites. www.avatarbrokers.com’s website may contain information or advertisements provided by third parties for which www.avatarbrokers.com accepts no responsibility whatsoever for any information or advice provided to you directly by third parties. We are making a ‘recommendation’ only and are not providing any advice nor do we take any responsibility for any advice received in this regard.
DISCLAIMER
To the fullest extent permitted by law, www.avatarbrokers.com absolutely disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for any particular purpose. www.avatarbrokers.com gives no warranty that the documents, goods or services will be free of errors, or that defects will be corrected, or that our website or its server is free of viruses or any other harmful components. Whilst we, at all times endeavour to have the most accurate, reliable and up-to-date information on our website, we do not warrant or make any representations regarding the use or the result of the use of any document, product, service, link or information in its website or as to their correctness, suitability, accuracy, reliability, or otherwise. It is your sole responsibility and not the responsibility of www.avatarbrokers.com to bear any and all costs of servicing, repairs, or correction. The applicable law in your state or territory may not permit these exclusions, particularly the exclusions of some implied warranties. Some of the above may not apply to you but you must ensure you are aware of any risk you may be taking by using this website or any products or services that may be offered through it. It is your responsibility to do so.
YOUR PRIVACY
At www.avatarbrokers.com, we are committed to protecting your privacy. We use the information we collect about you to maximize the services that we provide to you. www.avatarbrokers.com respects the privacy and confidentiality of the information provided by you and adheres to the Australian Privacy Principles. Please read our separate Privacy Policy carefully. You may change your details at any time by advising us in writing via email. All information we receive from our customers, is protected by our secure servers. www.avatarbrokers.com’s secure server software encrypts all customer information before it is sent to us. Furthermore, all of the customer data www.avatarbrokers.com collects is secured against unauthorized use or access. Credit card information is not stored by us on our servers.
THIRD PARTIES
www.avatarbrokers.com does not and will not sell or deal in personal or customer information. We may however use in a general sense without any reference to your name, your information to create marketing statistics, identify user demands and to assist it in meeting customer needs generally. In addition, we may use the information that you provide to improve its website and its services but not for any other use.
DISCLOSE YOUR INFORMATION
www.avatarbrokers.com may be required, in certain circumstances, to disclose information in good faith and where www.avatarbrokers.com is required to do so in the following circumstances: by law or by any court; to enforce the terms of any of our customer agreements; or to protect the rights, property or safety of our customers or third parties.
EXCLUSION OF COMPETITORS
If you are in the business of creating similar documents, goods or services for the purpose of providing them for a fee to users, whether they be business users or domestic users, then you are a competitor of www.avatarbrokers.com. www.avatarbrokers.com expressly excludes and does not permit you to use or access our website, to download any documents or information from its website or obtain any such documents or information through a third party. If you breach this term then www.avatarbrokers.com will hold you fully responsible for any loss that we may sustain and further hold you accountable for all profits that you might make from such unpermitted and improper use. www.avatarbrokers.com reserves the right to exclude and deny any person access to our website, services or information in our sole discretion.
COPYRIGHT, TRADEMARK AND RESTRICTIONS OF USE
This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance, trademarks and graphics. You are not permitted to reproduce the documents, information or materials on the website for the purposes of sale or the use by any third party. In particular you are not permitted to republish, upload, transmit electronically or otherwise or distribute any of the materials, documents or products that may be available for download from time to time on this website. www.avatarbrokers.com expressly reserves all copyright and trademark in all documents, information and materials on our website and we reserve the right to take action against you if you breach any of these terms. Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following: you may print or download to a local hard disk extracts for your personal and non-commercial use only; and you may copy the content to individual third parties for their personal use, but only if you acknowledge the website as the source of the material. You may not, except with our express written permission, distribute or commercially exploit the content. Nor may you transmit it or store it in any other website or other form of electronic retrieval system.
WHOLE AGREEMENT
These terms and conditions represent the whole agreement between you and www.avatarbrokers.com concerning your use and access to www.avatarbrokers.com’s website and your use and access to the documents and information on it. No other term is to be included in this agreement except where it is required to be included by any legislation of the Commonwealth or any State or Territory. All implied terms except those implied by statute and which cannot be expressly excluded are hereby expressly excluded.
EXCLUSION OF UNENFORCEABLE TERMS
Where any clause or term above would by any applicable statute be illegal, void, or unenforceable in any State or Territory then such a clause shall not apply in that State or Territory and shall be deemed never to have been included in these terms and conditions in that State or Territory. Such a clause if legal and enforceable in any other State or Territory shall continue to be fully enforceable and part of this agreement in those other States and Territories. The deemed exclusion of any term pursuant to this paragraph shall not affect or modify the full enforceability and construction of the other clauses of these terms and conditions.
RETAIL CLIENTS IMPORTANT: This site is not personal advice and contains information which is indicative only. The information on this website is subject to change on a regular basis and may not be up-to-date. In addition, some products and services may not be appropriate for your individual situation and needs. We recommend you contact us or another licensed insurance broker to ensure your circumstances are taken into consideration.
JURISDICTION
This agreement and this website are subject to the laws of Victoria and Australia. If there is a dispute between you and www.avatarbrokers.com that results in litigation then you must submit to the jurisdiction of the courts of Victoria.
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