Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of the website fosinsurancegroup.online and the professional business and consulting services provided by FOS Insurance Group Pty Ltd (ABN 88 703 627 721) ("we", "our", "us"). By accessing our website or engaging our services, you agree to be bound by these Terms.

2. Services

We provide professional business and consulting services, including insurance-related advisory and consulting support, to clients across Melbourne VIC and greater Victoria. The specific scope of services for each engagement will be set out in a separate written agreement or engagement letter between you and us.

3. No Financial Product Advice

Content on this website is provided for general information purposes only and does not constitute financial product advice. Nothing on this website takes into account your personal objectives, financial situation or needs. Before acting on any information, you should consider its appropriateness and, where relevant, seek professional advice.

4. Engagement and Payment

Fees for our services will be agreed in writing before commencement of any engagement. Unless otherwise agreed, invoices are payable within fourteen (14) days of issue. We reserve the right to suspend services where payment is overdue.

5. Australian Consumer Law

Nothing in these Terms excludes, restricts or modifies any rights that you may have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other applicable legislation, including guarantees relating to the supply of services that cannot be excluded.

6. Limitation of Liability

To the fullest extent permitted by law, our liability for any claim arising in connection with our services is limited to the fees paid by you for the relevant engagement. We are not liable for indirect or consequential loss, except where such limitation is not permitted by law.

7. Intellectual Property

All content on this website, including text, design and materials, remains the property of FOS Insurance Group Pty Ltd. You may not reproduce or distribute our content without prior written consent.

8. Privacy

Our collection, use and handling of personal information is described in our Privacy Policy.

9. Termination

Either party may terminate an engagement with written notice in accordance with the applicable engagement agreement. We may terminate access to this website at any time without notice.

10. Governing Law

These Terms are governed by the laws of Victoria, Australia. Disputes will be resolved in the courts of Victoria.

11. Contact

For any questions regarding these Terms, please contact us at ceo@fosinsurancegroup.online or visit our Contact page.