Welcome to Marsh Advantage Insurance Pty Ltd, ABN 31 081 358 303, AFSL 238 369 ("Marsh Advantage") website (the “Site”). Marsh Advantage is part of the Marsh & McLennan Group of Companies ("MMC Group"). This Site is made available to provide visitors with information and material about Marsh Advantage and the MMC Group's (where referred to) products and services.
B. Use of this websiteThe Marsh Advantage server shall, in the absence of manifest error, be conclusive evidence of whether any material or has been provided to Marsh Advantage and the time at which this occurred as recorded by a server clock. You acknowledge that all insurance ‘quotes’ made by Marsh Advantage on the Site shall be indications only or invitations to treat. The contract of insurance shall only be made when Marsh Advantage (as agent for the insurer), has accepted your offer to accept the terms of particular quote, which is made by your providing full payment of the amount required.
The parties acknowledge that it is intended that an offer capable of acceptance and an acceptance constituting a binding contract may be validly made by providing valid information and a valid payment on the Server. For this purpose, you agree that all insurance ‘quotes’ made by Marsh shall be indications only or invitations to treat and your selection of a particular option within the Site shall constitute an offer to accept the terms of a particular quote. The contract of policy of insurance shall only be made bound when Marsh (as agent for the Iinsurers, certain underwriters at Lloyd’s) has accepted your offer to accept the terms of particular quote which is made by your providing full payment of the amount required.
Marsh Advantage and the MMC Group are not responsible in any manner for direct, indirect, special or consequential damages, however caused, arising out of your use of this website, web pages, links and/or any web browser, including any damages you may suffer if you transmit confidential or sensitive information to us via our Site or linked websites or if we communicate such information to you at your request over the Internet. Links to other websites from this Site are for convenience only. No endorsement of any third party products, services or information is expressed or implied by any information, material or content referred to or included on, or linked from or to this website.
D. Accuracy of informationThe information and materials on this website, including text, graphics, links or other terms are accurate at the time of publication on this site. Marsh Advantage and the MMC Group do not warrant the future accuracy, adequacy or completeness of this information and materials
E. Intellectual propertyCertain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Site may constitute trade names, registered or unregistered trademarks or service marks ("intellectual property") of Marsh Advantage, the MMC Group or third parties. Intellectual property belonging to Marsh Advantage or the MMC Group are used under licence. However, the display of trademarks or intellectual property on pages on this Site does not imply that a licence has been granted to any third party to use that intellectual property.
All information in this Site is protected under the copyright laws of Australia, the United States of America, other countries or international treaty. Users of this Site shall be entitled to copy any information for their own personal use but may not republish or reproduce any such information in any manner, including electronic reproduction by "uploading" or "downloading", without the prior written consent of Marsh Advantage or the web page content owner. You may not copy, redistribute, reproduce or republish, in any form, any information found in the pages of this website.
Any unauthorised downloading, re-transmission, or other copying or modification of any intellectual property or other contents of this Site may breach statutory or common law rights and will be subject to legal action for infringement.
F. Disclaimer of liabilityMarsh Advantage and the MMC Group make no warranties or representations about this Site or its content. To the maximum extent permitted by law, any liability which may arise as a result of the use of this website, its content or the information on it is excluded. Where liability cannot be excluded, any liability incurred by Marsh Advantage or the MMC Group in relation to the use of this Site or the content is limited as provided under the Competition & Consumer Act 2010 (Cth). Marsh Advantage and the MMC Group will not be liable for any indirect, incidental, special or consequential loss arising out of the use of this website, including loss of business profits.
While all care is taken to keep the Site free of viruses, Marsh Advantage and the MMC Group make no warranty and disclaim any liability for any loss or damage arising whatsoever concerning the presence of viruses that may exist or later populate the website, any web pages, links or web browsers.
Marsh Advantage may at any time terminate these terms and conditions and deny you access to the Site and use of the online services with or without cause and without prior notice.
Marsh Advantage may at any time change the format and content of the Site (or of any service offered or insurance products arranged available to be arranged via the Site) at any time.
Marsh Advantage may suspend the operation of the Site (or suspend the provision of any services or insurance products arranged via the Site) for support or maintenance work in order to update the content, or for any other reason.
(b) Reverse engineer, decompile, modify, or create derivative works from any software or materials accessible by or on the Site;
(c) Frame or utilise framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Marsh Advantage without express written consent;
(d) Make any commercial or non-fair use of the copyrights, trademarks, logos, symbols, or any other mark, device, or commercial identifier of Marsh Advantage or any of our third party licensors without the express written consent of Marsh Advantage;
(e) Use or access the Site in a manner that could damage, disable, overburden, or impair any Marsh Advantage server or the networks connected to any Marsh Advantage server;
(f) Interfere with any third party's use and enjoyment of the Site;
(g) Attempt to gain unauthorised access to the Site, accounts, computer systems, or networks connected to any Marsh Advantage server through hacking, password mining, or any other means;
(h) Sublicense any license granted in or to materials on the Site (whether or not any of such acts are for commercial gain or advantage); or
(i) Access the Site in order to build a competitive product or service, or copy any features, functions or graphics of the Site.
H. Your Responsibilities.You shall: (i) have sole responsibility for the accuracy, quality, integrity, legality, reliability, and appropriateness of all content and data submitted to or published via the Site by you; (ii) comply with all applicable laws (including but not limited to export laws) in using the Site; and (iii) use the Site solely in accordance with any online user guides or instructions made available on or through the Site. You shall not disclose or share any ID(s) and password(s) used to access this Site. You are responsible for all activity that occurs under your ID(s) and password(s). You agree to notify Marsh Advantage in writing promptly upon becoming aware of any unauthorised access or use of the Site by any party.
(b) You agree that if you use the Site to give instructions to Marsh Advantage or to request a service or document, Marsh Advantage shall not be deemed to have accepted such instructions or to have processed such requests until Marsh Advantage communicates acceptance to you or your organisation.
J. JurisdictionIf you access the Site from outside Australia, you are responsible for compliance with foreign and local laws. Marsh Advantage makes no representation that the materials and information contained herein is appropriate or available for use in other locations/jurisdictions. Marsh Advantage controls and maintains the Site from Australia. The materials and content on the site are directed at and restricted to individuals resident in or entities having a place of business in Australian only.
A copy of your details has been sent to your email address.
One of our musicians insurance consultants will contact you within the preferred contact time you have selected to answer any queries you may have.
In the meantime, you can contact us on 1300 760 171.
You may be eligible for a reduction in the stamp duty charged on your insurance premium. More information regarding the stamp duty exemption for small businesses can be found by visiting the NSW Government website: www.revenue.nsw.gov.au/taxes/insurance or speak to your broker.