Terms and Conditions

1. Company Information

Risk Researcher Pty Ltd (ABN 78 687 647 294) is a general‑advice life insurance business. We operate under Australian GA Solutions Pty Ltd (AFSL 547939) and provide general advice about personal insurance. We do not give personalised recommendations tailored to your specific circumstances.

2. General Advice Disclaimer

We provide information to help you make informed decisions, but cannot offer specific advice or recommendations suited to your personal objectives, financial situation, or needs. All content on our website or provided through our services is of a general nature only.

3. Insurance Partner Terms & Conditions

Each insurer we engage has their own legal terms and conditions, including eligibility criteria, exclusions, and limitations. It is essential that you carefully review each insurer’s Product Disclosure Statement (PDS) to confirm whether a product meets your individual needs.

4. Use of Website

The information on this website is for general informational purposes only. We do not guarantee its accuracy, completeness, or reliability and bear no responsibility for errors, omissions, or consequences arising from your reliance upon it.

5. Limitation of Liability

To the maximum extent permitted by law, Risk Researcher accepts no liability whether direct, indirect, incidental, punitive, or consequential for any loss or damage resulting from your use of our services, or reliance on any information we provide.

6. Changes to Terms & Conditions

We reserve the right to amend these Terms & Conditions at any time. Updated versions will be posted on our website. If you subscribe to our newsletter, you will be notified of changes. It is your responsibility to review the Terms regularly.

7. Governing Law

These Terms are governed by the laws of Victoria, Australia. By using our services, you agree to submit to the exclusive jurisdiction of the courts of Victoria.

8. Contact Information

If you have questions or would like further information, please contact us:

• Email: info@riskresearcher.com.au

• Phone: 03 8199 3000

• Postal Address: Suite 1, Level 3, 250 Camberwell Road, Camberwell, Victoria 3124

By using our services, you acknowledge that you’ve read, understood, and agree to these Terms & Conditions.