Introduction
Welcome to the Adroit Insurance & Risk website. By accessing and using this website at https://adroit.com.au, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please do not use our website.
These Terms & Conditions apply to your use of this website only and do not govern any insurance products or services you may arrange through Adroit Insurance & Risk. Product and service terms are governed by the relevant policy documents and agreements.
About Adroit Insurance & Risk
Adroit Insurance & Risk Pty Ltd (ABN 75 078 972 700) is an Australian insurance broker operating across multiple locations throughout Victoria and Queensland.
For general insurance services, Adroit Insurance & Risk acts as a Corporate Authorised Representative (CAR No. 1309996) of Insurance Advisernet Australia Pty Ltd (AFSL 240549).
For life insurance and income protection services, Adroit operates as a Corporate Authorised Representative of Personal Financial Services Ltd (AFSL 234459).
Use of This Website
You may use this website for lawful purposes consistent with its intended nature as an information resource about insurance and risk management services.
You must not:
- Use the website in any way that violates applicable Australian laws or regulations
- Reproduce, distribute, or commercially exploit any website content without our written consent
- Attempt to gain unauthorised access to any part of the website or its systems
- Introduce viruses, malware, or other harmful code
- Scrape, harvest, or systematically collect data from the website
- Use the website to transmit unsolicited or misleading communications
General Advice Warning
Information published on this website is prepared as general information only. It does not take into account your individual objectives, financial situation, or specific needs.
Before acting on any information on this website, or purchasing any insurance product, you should carefully consider whether it is appropriate for your personal circumstances. We recommend you read the relevant Product Disclosure Statement (PDS) and seek professional advice tailored to your situation.
For full details, see our General Advice Warning.
No Recommendation or Endorsement
Nothing on this website constitutes a recommendation, endorsement, or solicitation to purchase any particular insurance product. Product examples, case studies, and general information are provided for illustrative purposes only.
Insurance products and their suitability vary significantly depending on individual circumstances. Always speak with an Adroit adviser before making insurance decisions.
Intellectual Property
All content on this website — including text, images, graphics, logos, icons, and software — is the property of Adroit Insurance & Risk Pty Ltd or its licensors and is protected by Australian copyright law.
You may print or download content for personal, non-commercial use only. Any other reproduction, modification, distribution, or use of website content requires our prior written consent.
The Adroit Insurance & Risk name, logo, and related marks are trademarks of Adroit Insurance & Risk Pty Ltd. Third-party trademarks referenced on this website remain the property of their respective owners.
Third-Party Links
This website may contain links to external websites operated by third parties. These links are provided for convenience and informational purposes only.
We do not control, endorse, or take responsibility for the content, privacy practices, or accuracy of third-party websites. Your use of any linked website is entirely at your own risk and subject to the terms and conditions of that website.
Disclaimers & Limitation of Liability
We make reasonable efforts to ensure the information on this website is accurate and current. However, we do not warrant or represent that:
- The information is free from errors, inaccuracies, or omissions
- The website will be available at all times without interruption
- The website is free from viruses or other harmful components
To the maximum extent permitted by law, Adroit Insurance & Risk Pty Ltd excludes all liability for any loss or damage (including direct, indirect, or consequential loss) arising from your use of, or reliance on, information contained on this website.
Nothing in these Terms & Conditions excludes, restricts, or modifies any rights or remedies you may have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) that cannot lawfully be excluded.
Privacy
We are committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
For full details on how we collect, use, store, and disclose personal information, please read our Privacy Policy and Privacy Collection Notice.
Indemnity
You agree to indemnify and hold harmless Adroit Insurance & Risk Pty Ltd, its officers, employees, and agents from and against any claims, liabilities, costs, and expenses (including reasonable legal costs) arising from your use of this website or breach of these Terms & Conditions.
Changes to These Terms
We may update these Terms & Conditions from time to time to reflect changes in our services, technology, or applicable law. Updates take effect immediately upon publication on this website.
Your continued use of the website following any update constitutes your acceptance of the revised terms. We recommend checking this page periodically for any changes. This page was last updated in March 2026.
Governing Law & Jurisdiction
These Terms & Conditions are governed by the laws of Victoria, Australia. By using this website, you submit to the exclusive jurisdiction of the courts of Victoria for the resolution of any disputes arising from these terms or your use of the website.
Contact Us
If you have any questions about these Terms & Conditions, please contact us:
Adroit Insurance & Risk
Phone: 1300 My Adroit (1300 692 376)
Website: Contact Us
We’re here to help you navigate insurance and risk with confidence.