Terms and Conditions of Use and Disclaimer



This website is provided by Hayes Risk Management Pty Ltd and its use is strictly subject to the following terms and conditions.
  • The purpose of this website is to provide the user with information about Hayes Risk  Management Pty Ltd and its services. 
  • Hayes Risk Management Pty Ltd makes no warranties or representations, either express or implied, regarding the accuracy, adequacy, completeness or suitability of any information or other content in this website, nor in any other websites linked to this website. 
  • Hayes Risk Management Pty Ltd is not responsible for any errors, omissions, misprinting, computer viruses or ambiguities contained herein or for the results obtained from use of any information from the website or any linked website. 
  •  Nothing in this website or in any linked website is to be regarded as indicating advice, approval, disapproval or recommendation for any specific product, service or practice. 
  • Users should verify information through their own qualified professional advisers. 
  • Hayes Risk Management Pty Ltd, including its directors, officers and agents, expressly disclaims all and any responsibility to users of this website or of any other website linked to this website. 
  • Hayes Risk Management Pty Ltd holds the copyright on this website.  You are not permitted to alter, copy or reproduce any part of this website without the prior written permission of Hayes Risk Management Pty Ltd. 
  • Hayes Risk Management Pty Ltd reserves the right to change any of the contents of this website at any time without notice.