Disclaimer

1. General Information Only

All content on this website, including pages about business insurance, strata insurance, professional risks, tradies insurance and security industry cover, articles, FAQs and explanatory material, is general in nature and has been prepared without taking into account your personal objectives, financial situation or needs. Nothing on this site constitutes personal financial advice, legal advice, or a recommendation that any particular product or course of action is suitable for you.

Before acting on any information, you should consider whether it is appropriate for your own circumstances and, where relevant, contact Putney Insurance Group directly to discuss advice tailored to your situation.

2. Insurance Products and the PDS

Putney Insurance Group does not issue insurance policies. We arrange cover with third party insurers and underwriting agencies on behalf of our clients, acting as a Corporate Authorised Representative under the Australian Financial Services Licence held by Sirius Insurance Pty Ltd. The terms, conditions, exclusions, sub-limits and excesses that apply to any policy are set out in the relevant Product Disclosure Statement (PDS) and policy wording issued by the insurer who underwrites that cover, not by Putney Insurance Group or Sirius Insurance.

You should always obtain and read the current PDS, Target Market Determination (TMD) and policy wording before deciding whether to acquire, hold or continue to hold a policy. Cover and pricing may vary between insurers, between policy types and over time. Past quotations and example scenarios published on this website are not a guarantee of future cover or premium.

3. Accuracy of Information

We take reasonable care to ensure that the information on this website is accurate and up to date at the time of publication. However, we make no warranty or representation, express or implied, regarding the accuracy, completeness, currency, reliability or suitability of any information on this site for any particular purpose.

Insurance products, regulatory requirements and market conditions change frequently. To the maximum extent permitted by law, we exclude all liability for any error, omission or inaccuracy in the content of this website.

4. No Reliance Without Confirmation

You should not rely solely on the content of this website when making a decision about insurance. Before binding cover, lodging a claim or relying on any product feature, please confirm the position with us directly and refer to the actual policy documents issued by the insurer. Cover terms quoted in correspondence will always prevail over information published here.

5. External Links and Quote Tools

This website may contain links to third party websites, including insurer portals, regulator websites, industry resources and online quoting platforms (such as the BrokerLoop quote tool used for residential strata enquiries). We provide these links for convenience only. We do not control, endorse, approve, sponsor or accept responsibility for the content, security or availability of any third party website, and the inclusion of a link does not imply endorsement.

When you follow a link to an external site or use a third party quote tool, you do so at your own risk and subject to the terms and privacy practices of that site or tool. Any quote generated by a third party platform is preliminary and subject to underwriter review, acceptance and the terms of the relevant policy wording.

6. Forward Looking Statements

Any forward looking statements on this website, including projections about insurance market trends, premium movements or risk outlooks, reflect our views at the time of publication. They are not guarantees of future outcomes and should not be relied on as such. Actual results may differ materially from any expectations expressed.

7. Limitation of Liability

To the fullest extent permitted by law, neither Phoenix Risk Management Pty Ltd (trading as Putney Insurance Group), Sirius Insurance Pty Ltd as our licensee, nor any of their respective directors, officers, employees, representatives or related entities accept any liability for any loss, damage, cost or expense (including indirect or consequential loss) arising from your use of, or reliance on, the information published on this website.

Nothing in this disclaimer is intended to exclude or limit any rights you may have under the Australian Consumer Law or other legislation that cannot lawfully be excluded. Where our liability cannot be excluded, it is limited to the maximum extent permitted by law.

8. Financial Services Guide

Putney Insurance Group is required by law to provide retail clients with a Financial Services Guide (FSG) before providing financial services. The FSG, issued under the authorisation of our licensee Sirius Insurance Pty Ltd, sets out important information about the services we are authorised to provide, how Putney Insurance Group and Sirius Insurance are remunerated, our relationships with insurers, and your rights as a client. You should read the FSG before deciding whether to use our services.

A copy of the current Authorised Representative FSG for Putney Insurance Group is available here.

9. Complaints

If you have a concern about the information on this website or about any service Putney Insurance Group has provided, we want to know. Please follow the escalation steps below in order:

1. Step 1. Contact Putney Insurance Group directly. Phone us on 1300 227 123 or use our contact form. We will acknowledge your complaint and aim to resolve it through our internal complaints handling process.
2. Step 2. Escalate to our licensee, Sirius Insurance. If we are unable to resolve your complaint, you may refer it to Sirius Insurance Pty Ltd, who hold the AFSL under which we operate. Their complaints handling process is published at siriusinsurance.com.au/complaints-handling.
3. Step 3. Australian Financial Complaints Authority (AFCA). If your complaint is still unresolved, you may refer it to AFCA, the free and independent external dispute resolution scheme for financial services complaints.
   Phone: 1800 931 678  |  Website: www.afca.org.au

10. Changes to This Disclaimer

We may update this disclaimer from time to time. The current version will always be available on this page, with the effective date noted at the top. Your continued use of this website after any change indicates your acceptance of the updated disclaimer.