The Terms of Use (including the Privacy Statement) govern your access to and use of the information, text, graphics and materials on the website ("Content") and the computer storage, processing and use of your personal information.

If you do not agree to these conditions, you must not access this website. Your continued use of this website constitutes an affirmative acknowledgment and agreement that you accept and agree to be bound by these conditions and any modifications. LAT Insurance may change these Conditions without notice to you. You should periodically visit this page to check for the latest version of these conditions to which you are bound.

1. Disclaimer

LAT Insurance believes that all the information contained on this website is correct at the time of posting the information. However, no warranty is made as to the accuracy or reliability of the information contained herein. Unless expressly given in writing, LAT Insurance makes no representations, warranties or endorsements in relation to any products, services or information advertised or provided in or through this website.

2. Advice

LAT Insurance does not offer any financial advice or products directly through this website. All information on this website is of a general nature only and you should not rely on anything in this website as a substitute for professional or financial advice that is specific to your needs and circumstances.

3. Copyright & Links

This website is owned by LAT Insurance and subject to copyright. This website may also contain third party supplied material that is subject to copyright. LAT Insurance takes no responsibility for the use of information provided on this website. Except as permitted by the Copyright Act 1968, you may not reproduce, transmit, disseminate, sell, or publish information on this website without prior written permission from LAT Insurance, provided that you may use the information for your private or internal purposes. Any company and product names mentioned are trademarks or registered trademarks of their respective companies. This website may contain links to other websites. Such links do not constitute an endorsement or recommendation of any material on those linked websites or any third party products and services offered by, from or through those sites.

4. Privacy

You agree that you have read LAT Insurance Website Privacy Policy and agree that those terms form part of the Terms of Use.

5. Applicable Law

The law which applies to the use of LAT Insurance website at any disputes which arise is the law of the state of South Australia (SA), Australia.

6. Termination

LAT Insurance may terminate your access to our website at any time without notice to you. If you violate any Terms of Use your right to use and access our website automatically terminates.

LAT Insurance may also change the terms and conditions contained on this site at any time. Your continued access to and/or use of our website constitutes an agreement by you that you accept and agree to abide and be bound by the Terms of Use and any amendments. You should visit this page periodically to review the Terms of Use. Should you object to any of the Terms of Use or any amendments your only recourse is to immediately discontinue your use of our website.

In the event of termination you must immediately cease accessing and using our website and Content and (at LAT Insurance option) return any hard copies of the content to LAT Insurance or destroy any hard copies and any other electronic copies of the Content within your control or possession.

7. Your Indemnity to LAT Insurance

You will indemnify LAT Insurance for any liability incurred by LAT Insurance for any loss, liabilities, costs, damages or other expenses howsoever incurred by LAT Insurance in connection with, or arising directly or indirectly as a result of, your breach of these Terms of Use or your use of or access to our website.

8. Availability of the Website

LAT Insurance cannot guarantee that our website or any other website with a link to its website will be free from viruses or that uninterrupted access will be available.

Access is offered only on an “as is” basis and LAT Insurance may make any online access unavailable without any notice.