Terms of Use

Welcome to the Mercurian Group website.

This website is operated by Mercurian Group Pty Ltd (Mercurian Group, we, us or our). By accessing or using this website, you agree to these Terms of Use. If you do not agree with these Terms of Use, you should not use this website.

1. About this website

This website provides general information about Mercurian Group, its activities and the businesses and brands that form part of the Mercurian Group.

Mercurian Group is a corporate group comprising a number of separate businesses including Mercurien Pty Ltd, Your Fleet Team Pty Ltd, Sapphire Underwriting Pty Ltd, Sapphire Broking Pty Ltd and Better Driver Pty Ltd.

Certain businesses within the Group may provide products or services under their own brands, licences, authorisations, agreements and terms and conditions.

Information provided on this website about a particular Group business is general in nature. If you engage with a Group business, separate terms, policies and disclosures applicable to that business may apply.

2. General information only

The information on this website is provided for general information purposes only.

While we take reasonable care in preparing and maintaining the information on this website, we do not represent that all information will at all times be complete, accurate, current or suitable for your particular circumstances.

Information may change without notice.

You should make your own enquiries and obtain appropriate professional advice before making decisions based on information contained on this website.

3. No financial, insurance or professional advice

Unless expressly stated otherwise, information contained on this website does not constitute financial product advice, insurance advice, legal advice, tax advice, investment advice or any other form of professional advice.

The Mercurian Group corporate website is not intended to provide recommendations in relation to any particular financial product, insurance product or service.

Where a business within Mercurian Group provides regulated products or services, information about those products or services should be considered in conjunction with the disclosures, terms, conditions and other documentation provided by the relevant business.

4. Separate Group businesses

References on this website to Mercurian Group may include information about businesses owned, controlled or associated with Mercurian Group.

Each Group company is a separate legal entity unless expressly stated otherwise.

The inclusion of a business or brand on this website does not mean that Mercurian Group itself provides every product or service offered by that business.

Any agreement for products or services is with the entity identified in the relevant agreement, documentation or disclosure provided in connection with that product or service.

5. Intellectual property

Unless otherwise indicated, all intellectual property rights in this website and its content are owned by or licensed to Mercurian Group or the relevant Mercurian Group business.

This includes, without limitation:

• business and brand names;
• trade marks;
• logos and graphic elements;
• website design and layout;
• text and written content;
• photographs and images;
• illustrations and graphics;
• videos and other media; and
• other materials appearing on the website.

You may view and use this website for your own lawful, personal or internal business purposes. You must not reproduce, modify, distribute, publish, communicate, commercially exploit or otherwise use any material from this website without our prior written consent, except where permitted by law.

Nothing in these Terms of Use grants you any ownership or other rights in the intellectual property of Mercurian Group or any Group business.

6. Trade marks and brands

Names, logos, trade marks and branding associated with Mercurian Group and its businesses are the property of their respective owners.

You must not use any Mercurian Group name, business name, logo, trade mark or branding in a way that suggests an association, sponsorship, endorsement or relationship with Mercurian Group or a Group business without prior written permission.

7. Acceptable use

You must use this website lawfully and responsibly.

You must not:

• use the website for any unlawful, fraudulent or improper purpose;
• attempt to gain unauthorised access to the website, its systems, servers or networks;
• interfere with or disrupt the operation or security of the website;
• introduce viruses, malicious code or other harmful technology;
• use automated systems, bots or scraping technologies to access or extract substantial amounts of website content without our permission;
• attempt to circumvent security or access controls;
• impersonate Mercurian Group, a Group business or another person;
• use the website in a manner that infringes another person's intellectual property, privacy or other legal rights; or
• use content from the website in a misleading or deceptive manner.

We may restrict or block access to the website where we reasonably believe it is being misused.

8. Third-party and Group websites

This website may contain links to websites operated by Mercurian Group businesses and by third parties. Links are provided for convenience and information only.

A linked website may be subject to separate terms of use, privacy policies and other conditions.

Unless expressly stated otherwise, a link to a third-party website does not mean that Mercurian Group endorses, approves or accepts responsibility for that website, its operator, its products or services, or its content.

We are not responsible for the availability, accuracy, security or content of third-party websites.

9. Website availability and security

We aim to maintain a reliable and secure website but cannot guarantee that the website will always be available, uninterrupted, error-free or free from viruses or other harmful components.

We may suspend, withdraw, restrict or modify all or part of the website at any time, including for maintenance, security, operational or business reasons.

You are responsible for taking appropriate precautions when accessing websites and downloading or using online content.

10. Limitation of liability

To the maximum extent permitted by law, Mercurian Group and its related entities, directors, officers, employees and representatives are not liable for any loss, damage, cost or expense arising from or connected with:

• your access to or use of this website;
• your inability to access or use the website;
• reliance on information contained on the website;
• errors, omissions or inaccuracies in website content;
• interruption, suspension or discontinuation of the website;
• viruses, malicious code or other harmful components transmitted through the website; or
• third-party websites, services or content linked from this website.

Where liability cannot lawfully be excluded, our liability will be limited only to the extent permitted by applicable law.

Nothing in these Terms of Use excludes, restricts or modifies any right, guarantee, remedy or liability that cannot lawfully be excluded, restricted or modified, including any applicable rights under the Australian Consumer Law.

11. No guarantee of outcomes

Any statements on this website concerning the experience, capabilities, objectives, strategies or activities of Mercurian Group or its businesses should not be interpreted as a guarantee of any particular commercial, financial or other outcome.

Any forward-looking information is based on information and expectations available at the time it is published and may be affected by circumstances, risks and events outside our control.

12. Privacy

Our collection, use and handling of personal information through this website is governed by the Mercurian Group Privacy Policy.

By using this website or providing personal information to us, you acknowledge that you have had the opportunity to review our Privacy Policy.

Where you interact directly with another Mercurian Group business, that business may have a separate privacy policy governing its handling of your personal information.

13. Communications through the website

If you contact us through this website, you are responsible for ensuring that the information you provide is accurate and that you have the right to provide that information.

Submitting an enquiry through the website does not create a contractual, advisory, fiduciary or other professional relationship between you and Mercurian Group.

We do not guarantee that communications submitted through the website will be received, read or responded to within any particular period.

14. Changes to the website

We may change, update, remove or add website content at any time without notice.

We are under no obligation to keep information on the website continuously updated, although we may update information where we consider it appropriate.

15. Changes to these Terms of Use

We may amend these Terms of Use from time to time.

Any updated Terms of Use will take effect when published on this website. The date shown at the beginning of these Terms will indicate when they were most recently updated.

Your continued use of the website after updated Terms are published constitutes your acceptance of the updated Terms to the extent permitted by law.

16. Severability

If any provision of these Terms of Use is found to be invalid, unlawful or unenforceable, that provision will be severed or limited to the extent necessary without affecting the remaining provisions.

17. Governing law

These Terms of Use are governed by the laws of New South Wales, Australia.

You submit to the non-exclusive jurisdiction of the courts of New South Wales and courts entitled to hear appeals from those courts.

18. Contact us

If you have questions about these Terms of Use or the Mercurian Group website, please contact: