Governing Law, Location & Miscellaneous

These Legal Terms shall be governed in all respects by the laws of the State of Victoria, Australia, without reference to its choice of law rules. If an applicable law is in conflict with any part of the Legal Terms, the Legal Terms will be deemed modified to conform to the law. The other provisions will not be affected by any such modification.


The website is operated by LMI Group and its member companies, from its offices in Camberwell, Victoria, Australia.

No Warranties

The website, and any content, are provided to you on an 'as is', 'as available' basis without warranty of any kind whether express, statutory or implied, including but not limited to any implied warranties of merchantability, fitness for a particular purpose, quiet enjoyment, systems integration, accuracy, and non-infringement, all of which policy coach expressly disclaims. LMI Group and its member companies do not endorse and makes no warranty as to the accuracy, completeness, currency, or reliability of the content, and will not be liable or otherwise responsible for any failure or delay in updating the web site or any content. We have no duty to update the content of the web site. The LMI Group and its member companiesmake no representations or warranties that use of the content will be uninterrupted or error-free. You are responsible for any results or other consequences of accessing the web site and using the content, and for taking all necessary precautions to ensure that any content you may access, download or otherwise obtain is free of viruses or any other harmful components. This warranty disclaimer may be different in connection with specific products and services offered by LMI Group on this website.

If any part of this warranty is not permitted by law in your jurisdiction, only that portion shall be ignored but all other terms and conditions of these terms and conditions shall apply.