We Are Not Financial Advisers
We are financial services management consultants. That means we provide management consulting services only to the industry and offer no financial advice. If you are looking for financial advice we recommend you seek an appropriately Registered or Authorised Financial Adviser or a suitable member of a Qualifying Financial Entity.
Sometimes we write about different features or components of insurance and present them in a way which makes it easier to compare. It is not a recommendation or opinion about which product to purchase. Interpretation of insurance contracts is difficult and we recommend that you seek the advice of a properly registered or authorised financial adviser experienced in providing insurance advice. The information is intended as a guide to comparison only. Due to the risk of errors and omissions and necessary assumptions made in considering how products might operate in the future financial advisers and their clients should always refer to the actual policy documents issued by the insurer to satisfy themselves on any particular point and, where necessary, seek legal advice.
We Are Not Legal Advisers or Accountants
While we often highlight legal or financial issues for our clients we always request that you seek your own independent legal advice. Our domain is to consider the business implications, usually in the areas of marketing, strategy, and product design.
You Are Responsible for the Actions You Take
Both the content of this site and any reporting or data that we supply in the course of management consulting is not warranted to be complete or without error. You are responsible for the actions that you take and cannot claim that we are liable or partly for decisions that you make in which you have, either in whole or part, used our information.
Our Content is Copyright
Unless otherwise stated all content on the site is the property of Chatswood Consulting Limited or Quality Product Research Limited and we own the copyright to them. If you need to know which and it is not clear from the article context please contact us.
Advisers wishing to use content are most welcome to send an email, explain what they want to use, and we will do our best to accommodate you - much of the news content we are, in fact, happy to share, provided you explain the use and seek our written permission first.
Your Copyright Content
If we have used your material and you feel that we have breached your copyright please contact us immediately and we shall do our best to remove the item, properly credit you, or send traffic to you. As creators of intellectual property we understand that you wish to protect yours.
You are welcome to link to us and to quote sections from our article provided that no single quote exceeds 100 words (longer than that and you should write and ask). Please credit us with the quote noting the author, date, and including a link. Dating posts helps because things change over time and what we say on one date can be incorrect at a later date. If you use our content wholesale we reserve the right to ask you to take it down, and seek other remedies beyond that if necessary.
If We Quote You
If we have quoted you on the site and you are in any way unhappy with how we have referenced to you please let us know. It is our intention to have a good relationship with everyone in the industry, and especially we have sympathy for those that write about the industry - we know your challenges, even if we may disagree on a viewpoint on a particular issue.
In general, unless otherwise stated, images on this site are original content developed specifically by us. Usually photographs, charts, or diagrams that we have developed. As with written content, if you would like to use our images please contact us.
Unless otherwise noted images are in the nature of illustrations, rather than literal portrayals. They may have been created by merging images using image editors and may not be pictures of a real scene or item.