1. Introduction

Key Concept Wealth & Insurance Pty Ltd ABN 99 662 489 198 (referred to as “we,” “us,” or “our”) operates this website (Website) to provide users with Financial Planning Services and General Insurance Services as Corporate Authorised Representative (CAR No. 1300 402) of Lifespan Financial Planning Pty Ltd under Australian Financial Services Licence (AFSL No.229892); and Insurance Advisernet Australia Pty Ltd under Australian Financial Services Licence (AFSL No. 240549), respectively. Our adviser, Jean-Paul Seear, is also ASIC Authorised Representative No 129 0090.

By accessing or using this Website, you agree to these Terms and Conditions (Terms). If you do not agree to the Terms, you must immediately discontinue use of the Website.

These Terms are binding on all users of this Website, including prospective or current clients of our services.

2. Definitions

(a) AFCA means the Australian Financial Complaints Authority.

(b) AFSL means an Australian Financial Services Licence issued under the Corporations Act 2001 (Cth).

(c) ASIC means the Australian Securities and Investments Commission.

(d) Authorised Representative means a person or entity authorised under section 916A of the Corporations Act 2001 (Cth) to provide financial services on behalf of an AFSL holder.

(e) CAR means a ‘Corporate Authorised Representative’ as defined in Chapter 7 of the Corporations Act 2001 (Cth).

(f) Content means any materials on the Website including information, graphics, headers, icons, images, logos, names, sounds, music, video, audio, text, software, HTML and code.

(g) Financial Planning Services means personal and general advice relating to financial products as authorised by our AFSL holder, Lifespan Financial Planning Pty Ltd, and noted in our Financial Services Guide (available under the ‘About Us’ section on our Website), including Deposit and Payment Products; Government Debentures, Stocks or Bonds; Life Products; Managed Investment Schemes Securities; Retirement Savings Account Products; Superannuation (including Self-Managed Superannuation Fund – SMSF); Securities; Tax (financial) advice services.

(h) General Insurance Services means general insurance broking services as authorised by our AFSL holder, Advisernet Australia Pty Ltd and noted in our the Financial Services Guide (available under the ‘About Us’ section on our Website) including Home Building/Contents; Motor Vehicle and motor fleet; Personal Accident & Illness; Directors & Officers Liability; Burglary / Money; Travel; Business / Professional; Trades / Farm Package; Property Damage; Public Liability; Professional Indemnity and Cyber Liability.

(i) PDS means Product Disclosure Statement as defined in the Corporations Act 2001 (Cth).

(j) Website means https://www.keyconcept.com.au/.

3. Use of Website

3.1 Permitted Use

You may use this Website for your personal, non-commercial purposes to:

(a) browse information about our services;

(b) access general advice materials;

(c) request appointments or contact us; and

(d) access other features expressly made available on the Website.

3.2 Prohibited Conduct

You must not:

(a) engage in unlawful, fraudulent or harmful activities;

(b) transmit viruses, malware or other malicious code;

(c) interfere with Website functionality or security;

(d) misrepresent your affiliation with us;

(e) access, extract or scrape data without consent;

(f) reproduce or commercially exploit Website content; or

(g) use automated tools or scripts to collect information.

3.3 Website Access

While we endeavour to maintain Website availability, access may be interrupted for maintenance, updates or technical issues. We are not liable for any loss arising from Website unavailability.

4. Financial Services

(a) We are authorised as a Corporate Authorised Representative (CAR No. 1300 402):

(i) under AFSL No. 229892 to provide Financial Planning Services; and

(ii) under AFSL No. 240549 to provide General Insurance Services.

(b) All services are provided in compliance with:

(i) Corporations Act 2001 (Cth);

(ii) ASIC Regulatory Guides;

(iii) relevant AFSL conditions; and

(iv) applicable industry codes and standards.

4.2 General Advice Warning

Any financial product information or material on this Website is general in nature and has been prepared without taking into account your objectives, financial situation or needs. You should consider its appropriateness having regard to your circumstances and consider the relevant PDS before making any financial decisions.

4.3 Insurance Services Disclosure

(a) We act as an intermediary between you and insurers;

(b) We receive commissions from insurers for arranging insurance policies;

(c) Commission rates, fees and amounts will be disclosed in our Financial Services Guide and insurance and policy documentation;

(d) We do not guarantee insurance products will meet your specific requirements; and

(e) You must review all policy documents and PDSs before purchasing insurance.

4.4 Professional Responsibility

While we exercise reasonable care and skill, we:

(a) do not guarantee specific financial or insurance outcomes;

(b) are not liable for market movements or insurance claim outcomes;

(c) limit our liability to the extent permitted by law and the AFSL; and

(d) maintain professional indemnity insurance as required by law.

5. Privacy and Data Collection

5.1 Privacy Policy

Our Privacy Policy forms part of these Terms and explains how we collect, use and protect your personal information in accordance with the Privacy Act 1988 (Cth) and Australian Privacy Principles.

5.2 Consent

By using this Website, you consent to:

(a) collection of personal information as described in our Privacy Policy and the Privacy Collection Notices contained in our Financial Service Guides (available under the ‘About Us’ section on our Website);

(b) use of cookies and tracking technologies;

(c) receiving communications from us; and

(d) your information being stored and processed in or outside Australia.

6.Intellectual Property

6.1 Ownership

All intellectual property rights in the Website and Content belong to us or our licensors and are protected under Australian law.

6.2 Limited Licence

(a) We grant you a limited, non-exclusive licence to:

(i) access and view the Website for personal use; and

(ii) print pages for personal reference.

(b) You must not:

(i) modify or distribute Website content;

(ii) remove copyright or trademark notices;

(iii) use Content for commercial purposes; or

(iv) create derivative works.

7. Liability and Indemnity

7.1 Limitation of Liability

To the maximum extent permitted by law:

(a) we exclude all implied conditions and warranties;

(b) we are not liable for any loss arising from:

(i) use of, or inability to use, the Website;

(ii) reliance on Website content;

(iii) computer viruses or system failures;

(iv) unauthorised access to your information; or

(v) any indirect, special or consequential loss.

7.2 Consumer Guarantees

Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy under the Australian Consumer Law.

7.3 Indemnity

You agree to indemnify us against all losses, damages, costs and expenses arising from:

(a) your breach of these Terms;

(b) your misuse of the Website; or

(c) your violation of any law or third-party rights.

8. Complaints and Dispute Resolution

8.1 Internal Complaints Process

(a) Complaints should be directed to:

Complaints Officer
info@keyconcept.com.au
0497 194 909
Level 31, 100 Miller St, North Sydney NSW 2060

(b) We will acknowledge complaints within 1 business day and aim to resolve them within 30 days.

8.2 External Dispute Resolution

(a) As we are a Corporate Authorised Representative of AFCA Members, Lifespan Financial Planning Pty Ltd and Insurance Advisernet Australia Pty Ltd, you may also lodge a complaint directly with these entities in accordance with the process described in the Financial Services Guide (available under the ‘About Us’ section on our Website or upon request).

(b) If you are still dissatisfied with the response, you may lodge a complaint with AFCA:

Website: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678
Mail: GPO Box 3, Melbourne VIC 3001

9. General Provisions

9.1 Amendments

(a) We may amend these Terms at any time by posting the amended version on the Website.

(b) Your continued use of the Website after amendments constitutes acceptance of the changes.

(c) Material changes will be notified to you by email or Website notice.

9.2 Severability

Any provision of these Terms that is illegal, void or unenforceable will be severed without affecting the remaining provisions.

9.3 Governing Law

These Terms are governed by the laws of New South Wales. You submit to the non-exclusive jurisdiction of courts in New South Wales.

9.4 Contact Information

Key Concept Wealth & Insurance Pty Ltd

CAR No. 1300 402

ABN 99 662 489 198

Jean-Paul Seear (ASIC Authorised Representative No 129 0090)

Address: Level 31, 100 Miller St, North Sydney NSW 2060

Phone: 0497 194 909

Email: jp@keyconcept.com.au

Website: https://www.keyconcept.com.au/