https://www.fitzpatrick.com.au/resource/Fitzpatrick%20IBCOP%20Terms%20of%20Engagement.pdf
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<div id="viewer" class="pdfViewer" style="--scale-factor: 1.6666666666666665;" lang="EN-AU"><div class="page" data-page-number="1" role="region" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 841.92px);" aria-label="Page 1" data-loaded="true"><div class="canvasWrapper"><canvas role="presentation" style="width: 993px; height: 1404px;" width="993" height="1404"><span class="structTree"><span role="group"><span aria-owns="page52R_mcid0" lang="EN-AU"></span><span aria-owns="page52R_mcid1" lang="EN-AU"></span><span aria-owns="page52R_mcid2" lang="EN-AU"></span><span aria-owns="page52R_mcid3" lang="EN-AU"></span><span role="list"><span role="listitem"><span aria-owns="page52R_mcid6" lang="EN-AU"></span></span><span role="listitem"><span aria-owns="page52R_mcid10" lang="EN-AU"></span></span><span role="listitem"><span aria-owns="page52R_mcid14" lang="EN-AU"></span></span><span role="listitem"><span aria-owns="page52R_mcid18" lang="EN-AU"></span></span><span role="listitem"><span aria-owns="page52R_mcid22" lang="EN-AU"></span></span><span role="listitem"><span aria-owns="page52R_mcid26" lang="EN-AU"></span></span></span><span aria-owns="page52R_mcid29" lang="EN-AU"></span><span aria-owns="page52R_mcid30" lang="EN-AU"></span><span aria-owns="page52R_mcid31" lang="EN-AU"></span></span></span></canvas></div><div class="textLayer" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 841.92px);" data-main-rotation="0"><span class="markedContent"></span><span class="markedContent"></span><span class="markedContent"></span><span class="markedContent"></span><span class="markedContent"></span><span class="markedContent" id="page52R_mcid0"><span style="left: calc(var(--scale-factor)*54.00px); top: calc(var(--scale-factor)*126.00px); font-size: calc(var(--scale-factor)*15.96px); font-family: sans-serif; transform: scaleX(0.82996);" role="presentation" dir="ltr">Terms of Engagement</span></span><span class="markedContent" id="page52R_mcid1"><br role="presentation"><span style="left: calc(var(--scale-factor)*54.00px); top: calc(var(--scale-factor)*156.54px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.797551);" role="presentation" dir="ltr">In regard to the attached invoice(s) or quotation(s) we will act on your behalf as an insurance broker except in</span><br role="presentation"><span style="left: calc(var(--scale-factor)*54.01px); top: calc(var(--scale-factor)*176.70px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.786754);" role="presentation" dir="ltr">cases where we are acting on behalf of the insurer under a Binder arrangement. If we are acting under a Binder</span><br role="presentation"><span style="left: calc(var(--scale-factor)*54.01px); top: calc(var(--scale-factor)*196.73px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.80525);" role="presentation" dir="ltr">this will be clearly noted on the invoice(s) or quotation(s).</span></span><span class="markedContent" id="page52R_mcid2"><br role="presentation"><span style="left: calc(var(--scale-factor)*54.01px); top: calc(var(--scale-factor)*228.89px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.81027);" role="presentation" dir="ltr">Our Services</span></span><span class="markedContent" id="page52R_mcid3"><br role="presentation"><span style="left: calc(var(--scale-factor)*54.01px); top: calc(var(--scale-factor)*254.33px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.826929);" role="presentation" dir="ltr">As your insurance broker, we will provide the following services in relation to the coverage provided under</span><br role="presentation"><span style="left: calc(var(--scale-factor)*54.01px); top: calc(var(--scale-factor)*274.49px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.821939);" role="presentation" dir="ltr">the invoice / quotation:</span></span><span class="markedContent" id="page52R_mcid6"><br role="presentation"><span style="left: calc(var(--scale-factor)*54.01px); top: calc(var(--scale-factor)*301.25px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span><span style="left: calc(var(--scale-factor)*59.09px); top: calc(var(--scale-factor)*301.25px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*71.90px); top: calc(var(--scale-factor)*301.25px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.826147);" role="presentation" dir="ltr">Seek insurance quotes from the insurance providers that we have arrangements with. Please note this</span><br role="presentation"><span style="left: calc(var(--scale-factor)*71.90px); top: calc(var(--scale-factor)*321.41px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.805433);" role="presentation" dir="ltr">may not be applicable where we are acting under a Binder.</span></span><span class="markedContent" id="page52R_mcid10"><br role="presentation"><span style="left: calc(var(--scale-factor)*54.02px); top: calc(var(--scale-factor)*342.05px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span><span style="left: calc(var(--scale-factor)*59.10px); top: calc(var(--scale-factor)*342.05px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*71.91px); top: calc(var(--scale-factor)*342.05px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.803776);" role="presentation" dir="ltr">Negotiate policy coverage and renewal annually or as otherwise agreed between us.</span></span><span class="markedContent" id="page52R_mcid14"><br role="presentation"><span style="left: calc(var(--scale-factor)*54.03px); top: calc(var(--scale-factor)*362.81px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span><span style="left: calc(var(--scale-factor)*59.11px); top: calc(var(--scale-factor)*362.81px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*71.92px); top: calc(var(--scale-factor)*362.81px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.839834);" role="presentation" dir="ltr">Arrange coverage where you have authorised us to do so (except in circumstances where unless you</span><br role="presentation"><span style="left: calc(var(--scale-factor)*71.92px); top: calc(var(--scale-factor)*382.97px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.808966);" role="presentation" dir="ltr">instruct otherwise, we may choose to arrange coverage on your behalf if we consider that is in your best</span><br role="presentation"><span style="left: calc(var(--scale-factor)*71.91px); top: calc(var(--scale-factor)*403.13px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.809297);" role="presentation" dir="ltr">interests).</span></span><span class="markedContent" id="page52R_mcid18"><br role="presentation"><span style="left: calc(var(--scale-factor)*54.02px); top: calc(var(--scale-factor)*423.88px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span><span style="left: calc(var(--scale-factor)*59.10px); top: calc(var(--scale-factor)*423.88px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*71.91px); top: calc(var(--scale-factor)*423.88px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.808623);" role="presentation" dir="ltr">Where we consider that Premium Funding may be an attractive option for you we will obtain and provide</span><br role="presentation"><span style="left: calc(var(--scale-factor)*71.91px); top: calc(var(--scale-factor)*443.92px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.812548);" role="presentation" dir="ltr">this option to you at the time we provide you with invoices/quotations. You can also request us to obtain</span><br role="presentation"><span style="left: calc(var(--scale-factor)*71.90px); top: calc(var(--scale-factor)*464.08px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.808825);" role="presentation" dir="ltr">and provide a Premium Funding quotation in those cases where we have not provided this to you.</span></span><span class="markedContent" id="page52R_mcid22"><br role="presentation"><span style="left: calc(var(--scale-factor)*54.02px); top: calc(var(--scale-factor)*484.83px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span><span style="left: calc(var(--scale-factor)*59.10px); top: calc(var(--scale-factor)*484.83px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*71.91px); top: calc(var(--scale-factor)*484.83px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.808786);" role="presentation" dir="ltr">Assist you to prepare and manage claims under policies we have arranged for you and advocate on your</span><br role="presentation"><span style="left: calc(var(--scale-factor)*71.92px); top: calc(var(--scale-factor)*504.99px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.800107);" role="presentation" dir="ltr">behalf during the claims process.</span></span><span class="markedContent" id="page52R_mcid26"><br role="presentation"><span style="left: calc(var(--scale-factor)*54.03px); top: calc(var(--scale-factor)*525.75px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span><span style="left: calc(var(--scale-factor)*59.11px); top: calc(var(--scale-factor)*525.75px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*71.92px); top: calc(var(--scale-factor)*525.75px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.804663);" role="presentation" dir="ltr">Facilitate policy changes and/or cancellations as per your instructions</span></span><span class="markedContent" id="page52R_mcid29"><br role="presentation"><span style="left: calc(var(--scale-factor)*54.03px); top: calc(var(--scale-factor)*551.79px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.839485);" role="presentation" dir="ltr">Please note that we have formal arrangements with most of the insurers and underwriters that deal with</span><br role="presentation"><span style="left: calc(var(--scale-factor)*54.03px); top: calc(var(--scale-factor)*571.95px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.81172);" role="presentation" dir="ltr">insurance brokers. This assists us to find competitive price and coverage options for you. Some insurers and</span><br role="presentation"><span style="left: calc(var(--scale-factor)*54.03px); top: calc(var(--scale-factor)*592.11px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.809233);" role="presentation" dir="ltr">underwriters only deal direct with clients and therefore we are unable to access quotes or arrange insurance</span><br role="presentation"><span style="left: calc(var(--scale-factor)*54.03px); top: calc(var(--scale-factor)*612.27px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.814463);" role="presentation" dir="ltr">with these providers. We can provide you with a list of the insurance providers we deal with upon request.</span></span><span class="markedContent" id="page52R_mcid30"><br role="presentation"><span style="left: calc(var(--scale-factor)*54.03px); top: calc(var(--scale-factor)*638.43px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.852891);" role="presentation" dir="ltr">Based on our professional judgement and knowledge of the market, we may seek quotes from multiple</span><br role="presentation"><span style="left: calc(var(--scale-factor)*54.02px); top: calc(var(--scale-factor)*658.59px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.837968);" role="presentation" dir="ltr">insurance providers before making a recommendation.</span><span style="left: calc(var(--scale-factor)*309.02px); top: calc(var(--scale-factor)*658.59px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*317.66px); top: calc(var(--scale-factor)*658.59px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.852114);" role="presentation" dir="ltr">In other cases we may assess that your current</span><br role="presentation"><span style="left: calc(var(--scale-factor)*54.02px); top: calc(var(--scale-factor)*678.63px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.804914);" role="presentation" dir="ltr">insurance provider’s offering is more than competitive and there is no need to seek alternative terms.</span></span><span class="markedContent" id="page52R_mcid31"><br role="presentation"><span style="left: calc(var(--scale-factor)*54.02px); top: calc(var(--scale-factor)*704.79px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.844248);" role="presentation" dir="ltr">Where requested we can help you identify and assess your risks and recommend insurance options that</span><br role="presentation"><span style="left: calc(var(--scale-factor)*54.02px); top: calc(var(--scale-factor)*724.95px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.861845);" role="presentation" dir="ltr">specifically address such risks and also provide advice on risk mitigation and management strategies.</span><br role="presentation"><span style="left: calc(var(--scale-factor)*54.02px); top: calc(var(--scale-factor)*745.11px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.799923);" role="presentation" dir="ltr">Additional fees may apply for these services.</span></span><div class="endOfContent"></div></div><div class="annotationLayer" hidden=""></div><div class="annotationEditorLayer" tabindex="0" style="pointer-events: none; width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 841.92px);" data-main-rotation="0" hidden=""></div></div><div class="page" data-page-number="2" role="region" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 841.92px);" aria-label="Page 2" data-loaded="true"><div class="canvasWrapper"><canvas role="presentation" style="width: 993px; height: 1404px;" width="993" height="1404"><span class="structTree"><span role="group"><span aria-owns="page1R_mcid0" lang="EN-AU"></span><span aria-owns="page1R_mcid1" lang="EN-AU"></span><span aria-owns="page1R_mcid2" lang="EN-AU"></span><span aria-owns="page1R_mcid3" lang="EN-AU"></span><span aria-owns="page1R_mcid4" lang="EN-AU"></span><span aria-owns="page1R_mcid5" lang="EN-AU"></span><span aria-owns="page1R_mcid6" lang="EN-AU"></span><span aria-owns="page1R_mcid7" lang="EN-AU"></span><span aria-owns="page1R_mcid8" lang="EN-AU"></span><span aria-owns="page1R_mcid9" lang="EN-AU"></span><span aria-owns="page1R_mcid10" lang="EN-AU"></span><span aria-owns="page1R_mcid11" lang="EN-AU"></span><span aria-owns="page1R_mcid12" lang="EN-AU"></span><span aria-owns="page1R_mcid13" lang="EN-AU"></span></span></span></canvas></div><div class="textLayer" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 841.92px);" data-main-rotation="0"><span class="markedContent"></span><span class="markedContent"></span><span class="markedContent"></span><span class="markedContent"></span><span class="markedContent"></span><span class="markedContent" id="page1R_mcid0"></span><span class="markedContent" id="page1R_mcid1"><span style="left: calc(var(--scale-factor)*54.00px); top: calc(var(--scale-factor)*126.41px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.830161);" role="presentation" dir="ltr">Policy Cancellation</span></span><span class="markedContent" id="page1R_mcid2"><br role="presentation"><span style="left: calc(var(--scale-factor)*54.00px); top: calc(var(--scale-factor)*151.85px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.808105);" role="presentation" dir="ltr">If a cover is cancelled before the expiry of the period of insurance, we reserve the right to refund to you only</span><br role="presentation"><span style="left: calc(var(--scale-factor)*54.00px); top: calc(var(--scale-factor)*172.01px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.819068);" role="presentation" dir="ltr">the net return premium we receive from the insurer and not refund any part of the brokerage and/or broker</span><br role="presentation"><span style="left: calc(var(--scale-factor)*54.00px); top: calc(var(--scale-factor)*192.04px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.803578);" role="presentation" dir="ltr">fee we receive for arranging the cover. A broker fee may be charged to process the cancellation.</span></span><span class="markedContent" id="page1R_mcid3"><br role="presentation"><span style="left: calc(var(--scale-factor)*54.00px); top: calc(var(--scale-factor)*224.20px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.857743);" role="presentation" dir="ltr">Our Advice To You</span></span><span class="markedContent" id="page1R_mcid4"><br role="presentation"><span style="left: calc(var(--scale-factor)*54.00px); top: calc(var(--scale-factor)*249.64px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.849188);" role="presentation" dir="ltr">When making a recommendation, we will not take into consideration your personal objectives, financial</span><br role="presentation"><span style="left: calc(var(--scale-factor)*54.00px); top: calc(var(--scale-factor)*269.80px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.833191);" role="presentation" dir="ltr">situation or needs. Before taking any action, you should consider whether the advice we have provided is</span><br role="presentation"><span style="left: calc(var(--scale-factor)*54.00px); top: calc(var(--scale-factor)*289.96px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.813257);" role="presentation" dir="ltr">appropriate to you having regard to your individual circumstances. Retail Clients should obtain and read the</span><br role="presentation"><span style="left: calc(var(--scale-factor)*54.00px); top: calc(var(--scale-factor)*310.12px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.804981);" role="presentation" dir="ltr">relevant product disclosure statements before making a decision.</span></span><span class="markedContent" id="page1R_mcid5"><br role="presentation"><span style="left: calc(var(--scale-factor)*54.00px); top: calc(var(--scale-factor)*336.28px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.863672);" role="presentation" dir="ltr">Under the Corporations Act, Retail Clients are broadly defined as: Individuals, manufacturing business</span><br role="presentation"><span style="left: calc(var(--scale-factor)*54.00px); top: calc(var(--scale-factor)*356.32px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.799152);" role="presentation" dir="ltr">employing less than 100 people or any other business employing less than 20 people and that are purchasing</span><br role="presentation"><span style="left: calc(var(--scale-factor)*53.99px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.804106);" role="presentation" dir="ltr">insurance</span><span style="left: calc(var(--scale-factor)*97.40px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*109.30px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.79302);" role="presentation" dir="ltr">coverage</span><span style="left: calc(var(--scale-factor)*149.96px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*161.74px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.861687);" role="presentation" dir="ltr">for</span><span style="left: calc(var(--scale-factor)*174.83px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*186.58px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.844069);" role="presentation" dir="ltr">motor</span><span style="left: calc(var(--scale-factor)*214.56px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*226.30px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.792703);" role="presentation" dir="ltr">vehicles,</span><span style="left: calc(var(--scale-factor)*264.82px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*276.70px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.819485);" role="presentation" dir="ltr">home</span><span style="left: calc(var(--scale-factor)*302.36px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*314.26px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.806602);" role="presentation" dir="ltr">building,</span><span style="left: calc(var(--scale-factor)*352.77px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*364.65px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.814912);" role="presentation" dir="ltr">contents,</span><span style="left: calc(var(--scale-factor)*406.65px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*418.29px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.815441);" role="presentation" dir="ltr">personal</span><span style="left: calc(var(--scale-factor)*457.18px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*468.93px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.810202);" role="presentation" dir="ltr">and</span><span style="left: calc(var(--scale-factor)*485.77px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*497.61px); top: calc(var(--scale-factor)*376.48px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.808136);" role="presentation" dir="ltr">domestic,</span><br role="presentation"><span style="left: calc(var(--scale-factor)*53.98px); top: calc(var(--scale-factor)*396.64px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.802571);" role="presentation" dir="ltr">sickness/accident/travel, consumer credit and other classes as prescribed by regulations.</span></span><span class="markedContent" id="page1R_mcid6"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.98px); top: calc(var(--scale-factor)*428.80px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.825446);" role="presentation" dir="ltr">Period of Engagement</span></span><span class="markedContent" id="page1R_mcid7"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.98px); top: calc(var(--scale-factor)*454.23px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.809146);" role="presentation" dir="ltr">Unless we agree otherwise, our appointment in regard to this insurance is for the period of insurance set out</span><br role="presentation"><span style="left: calc(var(--scale-factor)*53.99px); top: calc(var(--scale-factor)*474.39px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.801958);" role="presentation" dir="ltr">in the invoices / quotations attached. This appointment may be cancelled by you at any time.</span></span><span class="markedContent" id="page1R_mcid8"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.98px); top: calc(var(--scale-factor)*506.55px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.822934);" role="presentation" dir="ltr">Insurance Brokers Code of Practice</span></span><span class="markedContent" id="page1R_mcid9"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.98px); top: calc(var(--scale-factor)*531.87px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.828118);" role="presentation" dir="ltr">We are bound by the Insurance Brokers Code of Practice. You can ask us for a copy of the Code or you can</span><br role="presentation"><span style="left: calc(var(--scale-factor)*53.98px); top: calc(var(--scale-factor)*552.03px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.811672);" role="presentation" dir="ltr">access it from National Insurance Brokers website - www.niba.com.au.</span></span><span class="markedContent" id="page1R_mcid10"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.98px); top: calc(var(--scale-factor)*584.19px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.841625);" role="presentation" dir="ltr">Our Remuneration</span></span><span class="markedContent" id="page1R_mcid11"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.98px); top: calc(var(--scale-factor)*609.62px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.812345);" role="presentation" dir="ltr">In return for the services we provide, we will receive a commission usually between 5% and 27% per cent of</span><br role="presentation"><span style="left: calc(var(--scale-factor)*53.98px); top: calc(var(--scale-factor)*629.78px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.808431);" role="presentation" dir="ltr">the premium paid (excluding relevant taxes, charges and levies) which is paid to us by the insurer and a fee,</span><br role="presentation"><span style="left: calc(var(--scale-factor)*53.98px); top: calc(var(--scale-factor)*649.94px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.794845);" role="presentation" dir="ltr">payable by you.</span></span><span class="markedContent" id="page1R_mcid12"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.98px); top: calc(var(--scale-factor)*682.10px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.828103);" role="presentation" dir="ltr">Notification of Changes</span></span><span class="markedContent" id="page1R_mcid13"><br role="presentation"><span style="left: calc(var(--scale-factor)*53.98px); top: calc(var(--scale-factor)*707.54px); font-size: calc(var(--scale-factor)*11.04px); font-family: sans-serif; transform: scaleX(0.804291);" role="presentation" dir="ltr">We will notify you of any changes to these terms of engagement or services provided.</span></span><div class="endOfContent"></div></div><div class="annotationLayer" hidden=""></div><div class="annotationEditorLayer" tabindex="0" style="pointer-events: none; width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 841.92px);" data-main-rotation="0" hidden=""></div></div></div>
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