Legal

The Zurich Financial Services Australia Group

Zurich Financial Services Australia Limited (ABN 11 008 423 372), Zurich Investment Management Limited (ABN 56 063 278 400), Zurich Australian Insurance Limited (ABN 13 000 296 640), Zurich Australia Limited (ABN 92 000 010 195) and Zurich Australian Superannuation Pty Limited (ABN 78 000 880 553) are members of the Zurich Financial Services Australia Group ("Zurich").

Accuracy of information

This Site has been prepared from information believed to be accurate and reliable at the time it was sourced.

No Zurich company, nor any director, employee or agent of Zurich, gives any guarantee, representation or warranty as to the reliability, accuracy or completeness of the information on this Site, nor accepts any responsibility or liability arising in any way (including by reason of negligence) for errors in, or omissions from, the information on this Site. This does not limit any rights a person may have under the law. Subject to the law, Zurich does not accept any responsibility, or owe any duty of care, to any person acting, or refraining from acting, as a result of information on this Site.

Zurich's privacy practices

Zurich has privacy guidelines in place to ensure the confidentiality of any personal details you choose to provide through this Site. For more details on Zurich's privacy policy, please click on the link at the bottom of this page.

Life insurance and investments

Applications for life insurance, managed investment and superannuation products can only be made on the Application Form contained in a current Product Disclosure Statement. To obtain a Product Disclosure Statement for a particular product please call 131 551.

No member of the Zurich Financial Services Australia group of companies guarantees the repayment of capital or the performance of any investment, life insurance or superannuation product offered by the Zurich Financial Services Australia group of companies except to the extent specified in any Product Disclosure Statement for a particular investment, life insurance or superannuation product.

Performance and forecasts

The past performance of the funds offered by Zurich is no indication of their future performance.

Neither Zurich Investment Management Limited, nor any other company in the Zurich Financial Services Australia Limited Group (including all of its wholly owned Australian subsidiaries), guarantee the repayment of capital or the performance of the Funds.

Any forecasts on this Site are subject to change without notice.

General nature of information

Any reference to currency is a reference to Australian Dollars unless otherwise specified.

The information on this Site is of a general nature only. Full details of products and services on this Site can be obtained by contacting Zurich or your financial adviser.

The information about financial products on this Site has not been provided with any particular investment objectives, financial situation or needs in mind. Before making an investment decision you should consider whether the investment is appropriate in light of your investment needs, objectives and financial circumstances. You may want to obtain the assistance of a financial adviser before making that decision.

Seeking financial advice

Zurich does not presently authorise advisers to provide you with personal advice on its behalf. The contact details of advisers available on this Site are provided for your consideration only and you are under no obligation to seek advice from that person, nor to acquire any Zurich or related entity products.

Advisers who provide you with personal advice must hold an appropriate authorisation provided to them by the holder of an Australian Financial Services Licence (AFSL). Advisers and/or the holder of an AFSL may be entitled to receive remuneration from Zurich when recommending a Zurich product.

Advisers referred to you may have an association with a Zurich related entity and may have previously sold Zurich products. Important information about your adviser is contained in their Financial Services Guide, which you should obtain and read carefully.

Important information about advisers is also contained at the Australian Securities and Investments Commission consumer web site.

Terms and conditions of this site

The content on this Site is made available by Zurich. The information linked from the URL http://www.zurich.com.au and housed on the same machine that houses that URL ("this Site") is subject to the following Terms and Conditions. Each and every time you access or browse this Site you are deemed to accept the Terms and Conditions of this Site.

All information on this Site relating to any products or services is intended only for the information of people within Australia. No advertising or other material comprised in this Site and no offer made from this Site is intended for any person outside Australia. Offers from this Site can only be accepted by a person who is within Australia at the time of his or her acceptance.

You may reproduce any part of the content of the Site, however if you do so, you must acknowledge Zurich's copyright in that content, and retain all markings which indicate the origin of the content. You must not otherwise reproduce that content. Further, and notwithstanding anything else in these Terms and Conditions, you must not reproduce any content from this Site for a commercial purpose or for a profit making purpose.

Use of this Site is at your risk. To the extent permissible by law, Zurich excludes all warranties in relation to the information available from this Site and disclaims all liability arising out of or consequent on any:

a) access by you to the information available from this Site
b) infection by any computer virus which occurs as a result of accessing this Site or any of the content contained on this Site
c) use of any information or content available from this Site.

By sending any information to Zurich (including any data, questions, comments, suggestions or information for inclusion in this Site) you:

a) represent that the information is not confidential to or owned by any person
b) represent that the receipt of the information by Zurich will not expose Zurich to any civil or criminal liability
c) subject to our Privacy Policy on this Site, licence Zurich to disclose non-personal information at any time in the future in any form and for any purpose
d) represent that the information is not illegal, defamatory or otherwise likely to expose Zurich to any civil or criminal liability.

By sending any information to Zurich you agree to indemnify Zurich and all of its employees, officers and agents from any loss suffered by them as a result of any use of, or reliance on that information.

The minimum information you need to provide to enable us to complete your request is highlighted on the Contact Us page. Your contact details will be used to respond to your information requests about our company and products. You will be unable to submit a request for information without providing these minimum details.

Zurich has not reviewed any URL linked to or from any part of this Site which does not form part of this Site ("Third Party Pages"). This may not apply to sites operated by other members of the Zurich Insurance Group of companies.

Zurich is not responsible for any content found on a Third Party Page, or any site of which it forms a part. You must determine whether any page is part of this Site each time you follow a link to that page.

Feedback and complaint resolution

Zurich is committed to providing quality service to all our customers.

To ensure that we are fair and reasonable in all our dealings, we have a thorough and independent process for dealing with customer complaints. If you feel that we can improve our services and dealings with our customers then your feedback is welcomed. Only with such feedback can we continue meeting the needs and expectations of users and clients.

Initially, any complaint you might have should be directed as follows:

  • In relation to this Site, please contact our online co-ordinator at zurich.feedback@zurich.com.au
  • In relation to our products and services please contact the Zurich Quality Service Manager on (02) 9995 4004

As such comments are very important to us, we will endeavour to respond to your feedback within 24 hours of receipt. However, due to the complexity of some inquiries, our reply may take longer to determine. We will notify you if this is the case.

In relation to our products and services we acknowledge that in some instances, this procedure may not be enough to meet your needs. Accordingly, if you are not satisfied with our response and you would like to take your comments further, you may like to consider speaking to the Financial Ombudsman Service on 1300 78 08 08 or, in relation to superannuation products, the Superannuation Complaints Tribunal (SCT) on 1300 78 08 08. The Financial Ombudsman Service offers an independent dispute resolution service. The SCT is an independent body established by the Commonwealth Government to assist you if you are dissatisfied with a decision made by the Zurich trustee.

If you would like more information on Zurich's privacy practices, please click on the link at the bottom of this page.

Articles disclaimer

Zurich believes that the taxation and other information contained in articles displayed on this Site was correct at the time of first display. But to the extent permissible by law Zurich makes no express warranties and excludes all implied warranties, in relation to the information contained on this Site. All assumptions and examples are based on the continuance of present laws and Zurich's interpretation of them. Zurich does not undertake to notify recipients of changes in the law or its interpretation.

To the extent permissible by law, Zurich excludes all liability for any loss or damage whether direct, indirect or consequential, arising in any way out of the use of or in relation to the information contained in these documents or results obtained from the use of them.

Links to other sites

Zurich can only control what happens on this Site. Once you leave Zurich's site we can not control the information you access. The presence of a hyper-link from this Site does not imply any kind of endorsement by Zurich of the content of the linked site. Each individual site has its own set of policies about what information is appropriate for public access. Zurich is not responsible for any information or material located at other sites.