You must read these terms and conditions of use before using this site. Use of this site indicates your acceptance of these terms and conditions.

LIMITED LICENCE
Domina Group Pty Ltd grants to you a limited licence to display on your computer, print, down load and use the content, layout, and arrangement of this site (the "Content") for non-commercial, personal, or educational purposes only, provided that:

You do not modify, alter, e-mail, transfer, adapt, decompile, disassemble, frame, transmit distribute in any way or paste onto another web site the whole or any part of the Content; and
You include and display on each permitted copy a copy of this limited licence.
The Content includes but is not limited to all information, text, underlying HTML, materials, graphics, logos, button icons, audio clips, and advertisements.
Additionally, you agree by using the site:
To grant Domina Group Pty Ltd a non-exclusive world wide, perpetual, irrevocable, royalty free, sub-licensable right to us any material you post to this site, subject to Domina Group Pty Ltd's Privacy Policy
You warrant that any material you post to this site does not infringe on third party's intellectual property rights, is not obscene, is not defamatory or threatening in any way, and is not misleading or deceptive.

PRIVACY
Parts of this site may require the provision of personal information. Additionally, this site may collect information provided by you. Our Privacy Policy sets out the way in which we can use any information we collect and/or you provide and your rights under privacy laws.

DISCLAIMER
Where the laws of any country or state in which these Terms and Conditions are effective implies into these Terms and Conditions any term, condition or warranty, and those laws avoid or prohibit provisions in a contract excluding or modifying them, then the term, condition or warranty shall be deemed to be included in these Terms and Conditions PROVIDED THAT Domina Group Pty Ltd's liability for a breach of any such term, condition or warranty, including any economic or consequential loss which you may sustain shall be limited, at the option of Domina Group Pty Ltd to:
(a) The re-supply of the services;
(b) The payment of the cost of having the service re-supplied.
Except as set out above:
(a) The entire content of this site is provided "as is" without any express or implied warranty or condition of any kind
(b) Domina Group Pty Ltd offers no assurance of uninterrupted or error free access to or use of this site or that any Content or other material accessed through this site is free of errors or viruses, worms, trojan horses, or other harmful components.
(c) Domina Group Pty Ltd does not warrant anything about the accuracy, completeness or suitability for a particular purpose of the Content.
(d) Domina Group Pty Ltd may change any of the information found at this site at any time without notice.
(e) Domina Group Pty Ltd makes no commitment to update the information found at this site.
(f) Domina Group Pty Ltd, its employees or agents are not liable for any loss or damage including without limitation, losses or damages for loss of profits, business interruption, loss of information, indirect, special, punitive or consequential losses or damages arising our of the use or inability to use the material or information available on this site, even if Domina Group Pty Ltd has been advised of such damages.

Domina Group Pty Ltd or its suppliers own copyright in the Content and all rights are reserved. Except as provided in the limited licence and any use permitted by the Copyright Act 1968 (Cth), you must not copy, modify, e-mail, alter, adapt, reproduce, decompile, disassemble, frame, upload to a third party's computer equipment, paste onto another web site, transmit, distribute in any way or make available the whole or any part of the Content without the prior written permission of Domina Group Pty Ltd. Permission requests should be sent to info@domina.com.au
The Domina Group Pty Ltd trademark and device and any other trademark which Domina Group Pty Ltd owns and is referred to on this site (the "Trade Marks") are the trademarks of Domina Group Pty Ltd. All other trademarks and/or service marks are the property of their respective owners. The Trade Marks may not be used by any person other than in the course of exercising the limited licence granted in these Terms and Conditions. The Trade Marks may not be used in any manner that is likely to cause customers to be misled or deceived, or in any manner that may or does disparage, discredit or cause loss to Domina Group Pty Ltd.

LINKS
Domina Group Pty Ltd does not endorse or recommend the content of any third party sites which may be mentioned or described on this site or linked to or from this site, or any products or services of any third party organisations mentioned or described on this site or linked to or from this site.

USE OF MATERIAL
The information provided on the Domina Group Pty Ltd site is not intended to be advice. Individual user's particular circumstances will affect the applicability and relevance of information contained in this site. Any insurance or other information posted on this site is prepared for the general information of clients of Domina General Insurance Brokers Pty Ltd. Readers should seek professional advice before relying or acting upon the information conveyed in any publication on this site.

GENERAL
This document is governed by the law of New South Wales. If any provision of these Terms and Conditions are void, voidable, illegal or unenforceable in any state, province of country in which these Terms and Conditions are intended to be effective, or if these Terms and Conditions would, if a particular provision were not omitted, be so void, voidable, illegal or unenforceable, that provision shall be severed from these Terms and Conditions in so far as it applies in that state, province or country, and these Terms or Conditions shall be read and constructed and shall take effect for all purposes in that state, province or country as if that provision were not contained in these Terms or Conditions but without in any way affecting the effectiveness, validity, legality or enforceability of the remaining provisions of these Terms and Conditions.

Headings are for reference only and in no way define, limit, construe or describe the scope or extent of such section.

Our failure to act with respect to a breach of these Terms and Conditions by you or others does not waive our right to act on subsequent breaches.

For the purpose of any electronic communications using this web site, an email or other electronic communication is taken to be received when the electronic message enters the recipient's electronic mail box and is able to be opened in readable format by the recipient. Proof of an email or electronic message being received is established by production of an electronic or paper record of the date and time that the email or electronic message entered the recipient's electronic mail box and was able to be opened in readable form by the recipient.