Terms and Conditions

Last Updated: 01 October 2025

Agreement to Terms

By accessing and using reliancerisk.com (“the Website”), you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree to these terms, please do not use the Website.

Use of Website

Acceptable Use

You agree to use this Website only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use of the Website. Prohibited activities include:

Violating any applicable laws or regulations
Transmitting harmful or malicious code
Attempting to gain unauthorized access to our systems
Interfering with the Website’s proper functioning
Collecting user information without consent
Using the Website for fraudulent purposes

Intellectual Property

Our Content

All content on this Website, including text, graphics, logos, images, and software, is owned by Reliance Risk or our licensors and is protected by Australian and international copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Website for personal or business purposes. You may not:

Reproduce, modify, or distribute our content without permission
Use our content for commercial purposes without authorization
Remove copyright or proprietary notices
Reverse engineer or decompile any Website components

Third-Party Links and Services

Our Website may contain links to third-party websites or services. We are not responsible for:

The content or privacy practices of third-party sites
Any damages or losses caused by third-party services
The availability or accuracy of external resources

Disclaimers

General Information

The content on this Website is provided for general information purposes only. While we strive to keep information accurate and up-to-date, we make no representations or warranties about:

The accuracy, reliability, or completeness of information
The suitability of information for your specific purposes
Uninterrupted or error-free access to the Website

Professional Advice

Information on this Website does not constitute professional advice. You should seek appropriate professional advice before acting on any information provided.

Website Availability

We do not guarantee that the Website will be available at all times or free from viruses or other harmful components.

Limitation of Liability

To the maximum extent permitted by Australian law:

We exclude all liability for any loss or damage arising from your use of the Website
Our total liability to you for any claim is limited to the amount you paid us (if any) in the 12 months preceding the claim
We are not liable for indirect, consequential, or punitive damages

Nothing in these terms excludes or limits liability that cannot be excluded under the Australian Consumer Law, including guarantees for goods and services.

Australian Consumer Law

If you are a consumer under the Australian Consumer Law, certain consumer guarantees apply to our goods and services that cannot be excluded. These terms do not exclude, restrict, or modify any rights you may have under the Australian Consumer Law or other applicable consumer protection laws.

Indemnification

You agree to indemnify and hold harmless Reliance Risk, its directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:

Your use of the Website
Your violation of these Terms and Conditions
Your violation of any rights of another party

Termination

We reserve the right to terminate or suspend your access to the Website at any time, without notice, for any reason, including breach of these Terms and Conditions.

Governing Law

These Terms and Conditions are governed by the laws of Australia. Any disputes will be subject to the exclusive jurisdiction of the courts of Australia.

Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after changes constitutes acceptance of the modified terms.

Severability

If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Reliance Risk regarding use of the Website.

Contact Information

For questions about these Terms and Conditions, please contact us:

Phone: +61 2 8377 1818