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Strelow Insurance and Financial Services
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Legal

 terms of use

The Strelow Insurance & Financial Services website is owned and operated by Strelow Financial Consulting Pty Ltd T/A Strelow Insurance & Financial Services. Strelow Financial Consulting Pty Ltd T/A Strelow Insurance & Financial Services is an Authorised representative of Ausure Pty Ltd T/As Ausure Insurance Brokers (Australian Financial Service License Number 253292). Your use of this site is expressly conditioned on your acceptance of these Terms of Conditions for Use and the Privacy Policy available on this website. If you do not agree with any part of the Terms and Conditions of Use or the Privacy Policy, you must not use this site. Strelow Insurance & Financial Services reserves the right to modify the Terms and Conditions of Use and/or the Privacy Policy at any time. Continued use of this site by you will constitute your acceptance of any revisions to the Terms and Conditions of Use or Privacy Policy. Please check this page regularly.

The information in this site is intended as general advice only. Source material should be consulted in all cases affecting legal rights or responsibilities. Changes in circumstances may occur at any time and may impact on the accuracy or completeness of the information provided. Strelow Insurance & Financial Services has taken reasonable care in producing this information, however, to the extent permitted by law, Strelow Financial Consulting Pty Ltd T/A Strelow Insurance & Financial Services does not guarantee the accuracy, adequacy or completeness of the information and excludes liability for any decision taken on the basis of information shown in or omitted from this Website.

If Strelow Insurance & Financial Services supply Insurance News, the news is gathered from a number of sources and every care is taken to ensure the accuracy of the articles, the articles are written for general information only and do not take into account anyone's financial needs.

In the process of using this website you may be referred to other websites via a link. Strelow Insurance & Financial Services cannot make any guarantee regarding the use of any subsequent websites nor make any guarantee regarding personal information you may provide to these sites. The provision of a link does not mean that we endorse or accept any responsibility for the content, use, or products and services made available through the associated web sites. By utilising these links, you acknowledge and agree that we are not responsible for the actions, content, accuracy, privacy policies, opinions expressed, services provided, goods sold, or other links provided by these sites. You further acknowledge and agree that we are not responsible either directly or indirectly for any damage or loss caused by use of or reliance on linked sites. Should you have any questions regarding these sites, you should address them directly with the relevant site administrator.

In using this Website you agree that you will not, either directly, or indirectly through another party, use any robot, spider, screen scraper, data aggregation tool or other device or process to process, monitor, copy or extract any web pages on this Website, or any of the information, content or data contained within or accessible through the this Website, without our prior written permission. Further you agree not to use any process to aggregate or combine information, content or data contained within or accessible through this Website with information, content or data accessible via or sourced from any third party. In addition you agree not to use any information on or accessed through the Website for any commercial purpose or otherwise (either directly or indirectly) for profit or gain. You also agree not to reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with this Website, or copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from the this Website without our prior written permission.

To the maximum extent permitted by law, we disclaim liability for any damages, including, without limitation, direct or indirect, special, incidental, compensatory, exemplary or consequential damages, losses or expenses, including without limitation lost or misdirected orders, lost profits, lost goodwill, or lost or stolen programs or other data, however caused and under any theory of liability arising out of or in connection with (1) use of this site, or the inability to use this site by any party; or (2) any failure or performance, error, omission, interruption, defect, delay in operation or transmission; or (3) line or system failure or the introduction of a computer virus, or other technical sabotage, even if we or our employees or representatives are advised of the possibility or likelihood of such damages, losses or expenses.

All trade names, brand names, trade symbols, logos, slogans, trademarks or services marks are trademarks or proprietary interests of the Strelow Financial Consulting Pty Ltd T/A Strelow Insurance & Financial Services. There are other trade names, brand names, trade symbols, logos, slogans, trademarks, service marks, brand names, company names, logos, slogans, trademarks or service marks indicated on the Web site that are the property of their respective owners.

This agreement is governed by the law in force in the state of Queensland, Australia. Any dispute arising in connection with these Terms of Use or in connection with your use of this web site which cannot be resolved by good faith negotiations between us, you and Strelow Financial Consulting Pty Ltd T/A Strelow Insurance & Financial Services shall be referred to mediation or to arbitration. However, we reserve, at our absolute discretion, our right to instigate legal proceeding prior to negotiation, arbitration or mediation against any individual, organisation or entity, who in our opinion has acted in breach of these Terms and Conditions.

 

Privacy Policy

At Strelow Financial Consulting Pty Ltd, we are committed to protecting your privacy in accordance with the Privacy Act 1998 (Cth). This Privacy Policy describes our current policies and practices in relation to the handling and use of personal information.

What information do we collect and how do we use it?

When we arrange insurance on your behalf, we ask you for the information we need to advise you about your insurance needs and management of your risks. We provide any information that the insurers or intermediaries who we ask to quote for your insurances and premium funding require to enable them to decide whether to insure you and on what terms. Insurers may in turn pass on this information to their reinsurers. Some of these companies are located outside Australia.

When you make a claim under your policy, we assist you by collecting information about your claim. Sometimes we also need to collect information about you from others. We provide this information to your insurer (or anyone your insurer has appointed to assist it to consider your claim, e.g. loss adjusters, medical brokers etc) to enable it to consider your claim. Again this information may be passed on to reinsurers.

Anonymous data

We use technology to collect anonymous information about the use of our website, for example when you browse our website our service provider logs your server address, the date and time of your visit, the pages and links accessed and the type of browser used. It does not identify you personally and we only use this information for statistical purposes and to improve the content and functionality of our website, to better understand our clients and markets and to improve our services.

Cookies

In order to collect this anonymous data we may use "cookies". Cookies are small pieces of information which are sent to your browser and stored on your computer's hard drive. Sometimes they identify users where the website requires information to be retained from one page to the next. This is purely to increase the functionality of the site. Cookies by themselves cannot be used to discover the identity of the user. Cookies do not damage your computer and you can set your browser to notify you when you receive a cookie so that you can decide if you want to accept it. We also use your information to send you requested product information and promotional material and to enable us to manage your ongoing requirements, e.g. renewals, and our relationship with you, e.g. invoicing, client surveys etc.

We may occasionally notify you about new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post on insurance matters. If you would rather not receive this information or do not wish to receive it electronically, email or write to us. We may use your information internally to help us improve our services and help resolve any problems.

What if you don't provide some information to us?

We can only fully advise you if we have all relevant information. The insurance laws also require you to provide your insurers with all the information they need in order to be able to decide whether to insure you and on what terms.

How do we hold and protect your information?

We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements. We hold the information we collect from you in electronic files which and stored in secured backup off site. We ensure that your information is safe by encrypting the information.

Will we disclose the information we collect to anyone?

We do not sell, trade, or rent your personal information to others.

We may need to provide your information to contractors who supply services to us, e.g. to handle mailings on our behalf or to other companies in the event of a corporate sale, merger, reorganisation, dissolution or similar event. However, we will do our best to ensure that they protect your information in the same way that we do.

We may provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.

How can you check, update or change the information we are holding?

Upon receipt of your written request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate.

If you wish to access or correct your personal information please write to darryl@strelow.com.au or P.O. Box 8131 Allenstown Qld 4700 Attention: Privacy Officer.

We do not charge for receiving a request for access to personal information or for complying with a correction request.

Your consent

By asking us to assist with your insurance and financial planning needs, you consent to the collection and use of the information you have provided to us for the purposes described above.

Tell us what you think

We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact Darryl Strelow, P.O Box 8131, Allenstown Qld 4700 or email on darryl@strelow.com.au.