Fontaine Risk Advisory Pty Ltd ABN 94 700 917 040 is a Corporate Authorised Representative (AR No. 1322742) of NeedCover Group Pty Ltd (ABN 28 005 729 831, AFSL 239911), which is responsible for any financial services provided through, or referred to on, this website.
Any information on this website is of a general nature only. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider its appropriateness having regard to your own objectives, financial situation and needs, and obtain and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) before deciding whether to acquire, vary or dispose of a financial product.
Our Financial Services Guide contains important information about the financial services we provide, how we and our representatives are remunerated, our internal and external dispute resolution arrangements and how to access them, and the arrangements in place to compensate clients for losses. A copy is available from our website footer and on request, and should be read before you decide to use any of our services.
We are not independent, impartial or unbiased for the purposes of section 923A of the Corporations Act 2001 (Cth). This is because we or NeedCover Group Pty Ltd may receive remuneration, commission, gifts or other benefits when we provide personal advice on insurance and other financial products; may be subject to direct or indirect restrictions relating to the products on which that advice is given; and may have associations or relationships with the issuers of those products. Further information is set out in our Financial Services Guide.
NeedCover Group Pty Ltd is a Steadfast Group Limited (Steadfast) Network Broker. Through that membership it has access to member services including product comparison and placement support, claims support, technical, legal and contractual liability advice, and group purchasing arrangements. Steadfast has arrangements with some insurers and premium funders under which those partners may pay Steadfast a fee, and Steadfast is a shareholder of some of them. A copy of Steadfast's FSG is available at steadfast.com.au.
To the maximum extent permitted by law, NeedCover Group Pty Ltd and their respective directors, officers, employees, authorised representatives and related bodies corporate exclude all liability for any loss, cost, expense or damage (whether direct, indirect, consequential or otherwise) suffered by any person arising out of, or in connection with, the use of, or reliance on, the content of this website, except to the extent any such loss, cost, expense or damage is directly caused by negligence, fraud or wilful misconduct. Nothing in this disclaimer is intended to exclude, restrict or modify any rights you may have under the Australian Consumer Law or the Corporations Act 2001 (Cth) that cannot be excluded, restricted or modified by agreement.
No statement on this website constitutes an offer to issue, or arrange the issue of, a contract of insurance. All references to cover, terms, limits and pricing are indicative only and are subject to underwriting acceptance and the terms, conditions, exclusions and limits of the relevant policy. Use of this website is governed by our Website Terms and Conditions and our Privacy Policy.
