30 May 2014
Crisis communications and the CEO - By Jim Preen.
These days, CEOs have to be visible in an emergency. If the media feels they’re hiding, questions will be asked. Why’s she not taking responsibility? What’s he got to hide? Part of the problem for...

23 May 2014
Businesses ‘slow’ to address cyber risk exposures
by CRI | 22 May 2014 Businesses are still “slow” to understand the mounting need to address their exposures to cyber risk, research by Aon has found. The cost of cybercrime in Australia now...

16 May 2014
Crisis Leadership Lessons From the Great Antarctic Explorer – Sir Ernest Shackleton
Sir Ernest has been called "the greatest leader that ever came on God’s Earth, bar none" for saving the lives of 27 men stranded with him on an Antarctic ice floe for almost two years. The...

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You may print a copy of these Terms of Use for your records at any time by using the "print" function on your internet browser.

These Terms of Use ("Legal Terms") describe the terms and conditions applicable to your access and use of this web site, which is owned, operated and controlled by LMI Group.

LMIGroup, at any time, for any reason and without notice, make changes to (i) this Web Site, including its look, feel, format, and content, as well as (ii) the products and/or services as described in this Web Site. Any modifications will take effect when posted to the Web Site. Therefore, each time you access the Web Site, you need to review the Legal Terms upon which access and use of this Web Site is conditioned. By your continuing use of the Web Site after changes are posted, you will be deemed to have accepted such changes.

The website is directed to those individuals and entities located in Australia and New Zealand. It is not directed to any person or entity in any jurisdiction where (by reason of nationality, residence, citizenship or otherwise) the publication or availability of the Web Site and its content, including its products and services, are unavailable or otherwise contrary to local laws or regulations. If this applies to you, you are not authorized to access or use any of the information on this Web Site. LMIGroup makes no representation that the information, opinions, advice or other content on the Web Site (collectively, "Content") is appropriate or that the products referred to and services are available outside of Australia. Those who choose to access this Web Site from other locations do so at their own risk and are responsible for compliance with applicable local laws.

Not all of the products and services described on this Web Site may be available in all geographic areas of Australia or New Zealand. You may not be eligible for all of the insurance products and services described in this Web Site. The Web Site may provide a general description of certain types of insurance products, coverage and services available through many insurance policies. These descriptions are not a part of an insurance contract or policy and do not amend, revise or alter the terms of any policy issued through or services provided by the relevant insurer or underwriting agency.

Scope of Use and User e-mail
You are only authorized to view, use, copy for your records and download small portions of the Content (including without limitation text, graphics, software, audio and video files and photos) of this Web Site for your informational, non-commercial use, provided that you leave all the copyright notices, including copyright management information, or other proprietary notices intact. You may not store, modify, reproduce, transmit, reverse engineer or distribute a significant portion of the Content on this Web Site, or the design or layout of the Web Site or individual sections of it, in any form or media. The systematic retrieval of data from the Web Site is also prohibited.

E-mail submissions over the Internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before e-mailing any information. Also, please consult our privacy statement. You agree not to submit or transmit any e-mails or materials through the Web Site that (i) are defamatory, threatening, obscene or harassing, (ii) contain a virus, worm, Trojan horse or any other harmful component, (iii) incorporate copyrighted or other proprietary material of any third party without that party's permission or (iv) otherwise violate any applicable laws. Continuity Coach Pty Ltd shall not be subject to any obligations of confidentiality regarding any information or materials that you submit online except as specified in these Legal Terms, or as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.

The commercial use, reproduction, transmission or distribution of any information, software or other material available through the Web Site without the prior written consent of Continuity Coach Pty Ltd is strictly prohibited.

Copyrights and Trademarks
The Web Site is protected by copyright as a collective work and/or compilation, pursuant to Australian copyright laws, international conventions and other laws. Unless otherwise indicated, the Content, including, but not limited to, graphic images, buttons, layout, trademarks, service marks, logos, (other than those of insurers, underwriting agencies) text, and other materials contained in this Web Site are the exclusive property of Continuity Coach Pty Ltd or its third party licensors; except as otherwise set forth in the following paragraphs of this Section 3. Except as expressly provided under the "Scope of Use" Section above, you may not use, reproduce, modify, transmit, distribute, or publicly display or operate this Web Site without the prior written permission of Continuity Coach Pty Ltd. You may not use a part of this Web Site on any other web site, without Continuity Coach’s prior written consent.

A number of our online services include 'bulletin board-type' facilities enabling some subscribers to post messages or other materials that will be accessible only to other registered subscribers of their choice. As we may provide these services, Continuity Coach Pty Ltd takes special precautions to respect the intellectual property of others, and we ask that our subscribers do the same. If you believe that the Website displays copyrighted material that infringes on your legal rights, and you want us to remove or disable the infringing materials, please provide Continuity Coach’s copyright agent with the information listed below.

Our designated agent for notice of claims of copyright infringement on the Website is accessible via email to: vic@LMIGroup.com. The following information must be submitted so that we may properly address any notice of complaint:

  • Identification of the copyrighted work claimed to be infringed.
  • Identification of the material claimed to be infringing together with "information reasonably sufficient to permit the service provider to locate the material." Specifically, a complete URL or URLs in the case of multiple works, must be provided.
  • Your address, telephone number, and email address.
  • A statement that the complaining party believes, in good faith, that the copyrighted material identified is being used in a manner that is not authorized by "the copyright owner, its agent, or the law."
  • A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; plus a physical or electronic signature of the complaining party.
  • Any notification that fails to comply with the provisions above may not, in our sole discretion, be considered sufficient notice and may not be deemed to confer upon Continuity Coach Pty Ltd actual knowledge of facts or circumstances from which infringing material or acts are evident.

ContinuityCoach.com offers links to other web sites operated by other entities as a convenience to you in the belief that making hyperlinks available to publicly accessible web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. Continuity Coach Pty Ltd makes no representation regarding the content or accuracy of any web site that you may access through this Web Site. Continuity Coach Pty Ltd does not monitor and is not responsible for the content found on other web sites that are linked from this Web Site. Inclusion of these links on Continuity Coach’s Web Site does not imply endorsement, recommendation or sponsorship for any linked web site or the services, products or advice described on the site. Accordingly, Policy Coach International Pty Ltd, LMI Group Pty Ltd, Continuity Coach Pty Ltd, Loss Management International Pty Ltd, Risk Management International Pty Ltd, Policy Comparison International Pty Ltd or Claims Management International Pty Ltd assumes no responsibility or liability for the content of any linked sites. Before entering any linked site, you should review and understand that site’s privacy policy, which is available in the Terms & Conditions for Privacy Policy link(s).

You may not link to this Web Site without Continuity Coach’s written permission. If you are interested in linking to this Web Site, please contact vic@LMIGroup.com

No Warranties
The web site, 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 Continuity Coach Pty Ltd expressly disclaims. Continuity Coach Pty Ltd does not endorse and makes no warranty as to the accuracy, completeness, currency, or reliability of the content, and Policy Coach International Pty Ltd, LMI Group Pty Ltd, Continuity Coach Pty Ltd, Loss Management International Pty Ltd, Risk Management International Pty Ltd, Policy Comparison International Pty Ltd and or Claims Management International Pty Ltd 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. Policy Coach International Pty Ltd, LMI Group Pty Ltd, Continuity Coach Pty Ltd, Loss Management International Pty Ltd, nor Claims Management International Pty Ltd makes any 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 Continuity Coach Pty Ltd.

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.

Governing Law, Location and Miscellaneous
These Legal Terms shall be governed in all respects by the laws of the State 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 Web Site is operated by Continuity Coach Pty Ltd on behalf of the member companies of the LMI Group (identified below in Section 8), from its offices in Camberwell, Victoria, Australia.

Member companies of the LMI Group
LMI Group does business in its own name as well as through its subsidiary companies, as listed below.

LMI Group Pty Ltd
LMI Group House
428 Burke Road
Camberwell 3124 Australia

Loss Management International Pty Ltd
LMI Group House
428 Burke Road
Camberwell 3124 Australia

Claims Management International Pty Ltd
LMI Group House
428 Burke Road
Camberwell 3124 Australia

Risk Management International Pty Ltd
LMI Group House
428 Burke Road
Camberwell 3124 Australia

Policy Comparison International Pty Ltd
LMI Group House
428 Burke Road
Camberwell 3124 Australia

Risk Coach International Pty Ltd
LMI Group House
428 Burke Road
Camberwell 3124 Australia
Licensed in: All states including DC, excluding ME, NH

Continuity Coach Pty Ltd
LMI Group House
428 Burke Road
Camberwell 3124 Australia

LMI Group Limited
Unit Q, 86 Bush Road, Albany, Auckland, New Zealand
PO Box 310596, Albany, Auckland 0752, New Zealand

LMI Group
Ariobimo Sentral 4th Floor
Ji H.R. Rasuna Said Blok x-2 No.5
Jakarta, Indonesia

Continuity Coach Pty Ltd may terminate the right of any user to access the Web Site at any time, with or without cause, in Policy Coach’s absolute discretion and without notice. Any statement in the Legal Terms or elsewhere on the Web Site of specific grounds for termination of a user’s right to access the Web Site shall in no manner limit Continuity Coach’s absolute right to terminate any user’s access to the Web Site.

Separate Agreements
You may have other agreements with Continuity Coach Pty Ltd. Those agreements are separate and in addition to these Legal Terms. These Legal Terms do not modify, revise or amend the terms of any other agreements you may have with Continuity Coach Pty Ltd, or with any other company within the LMI Group.

Australian Resident
You represent that you are an Australian resident.

No Professional Advice
The information available on the Web Site is intended to be a general information resource regarding the matters covered, and is not tailored to your specific circumstance. It is not offered as legal, accounting or other professional advice. This Web Site is not intended for use by minors. YOU SHOULD EVALUATE ALL INFORMATION, OPINIONS AND ADVICE AVAILABLE ON THIS WEB SITE IN CONSULTATION WITH YOUR INSURANCE SPECIALIST, OR WITH YOUR LEGAL, TAX, FINANCIAL OR OTHER ADVISOR, AS APPROPRIATE.

Except as regarding any action seeking equitable relief, including without limitation for the purpose of protecting any Continuity Coach Pty Ltd confidential information and/or intellectual property rights, any controversy or claim arising out of or relating to these Legal Terms or this Web Site shall be settled by binding arbitration in accordance with the commercial arbitration rules, in effect at the time the proceedings begin, of the Institute of Australian Arbitrators and Mediators. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be held in Melbourne Australia.

All information relating to or disclosed by any party in connection with the arbitration of any disputes hereunder shall be treated by the parties, their representatives, and the arbitrator as proprietary business information. Such information shall not be disclosed by any party or their respective representatives without the prior written authorization of the party furnishing such information. Such information shall not be disclosed by the arbitrator without the prior written authorisation of all parties. Each party shall bear the burden of its own counsel fees incurred in connection with any arbitration proceedings.

Judgment upon the award returned by the arbitrator may be entered in any court having jurisdiction over the parties or their assets or application of enforcement, as the case may be. Any award by the arbitrator shall be the sole and exclusive remedy of the parties. The parties hereby waive all rights to judicial review of the arbitrator's decision and any award contained therein.

Limitation of Liability
Your use of the content is at your own risk. Continuity Coach Pty Ltd specifically disclaims any liability, whether based in contract, tort, negligence, strict liability or otherwise, for any direct, indirect, incidental, punitive, consequential, or special damages arising out of or in any way connected with access to, use of or reliance on the content (even if policy coach has been advised of the possibility of such damages) or that arise in connection with mistakes or omissions in, or delays in transmission of, information to or from the user, any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission or delivery, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of records, programs or files, interruptions in telecommunications connections to the web site or viruses, whether caused in whole or in part by negligence, acts of god, telecommunications failure, theft or destruction of, or unauthorized access to the web site or the content. This limitation of liability may be different in connection with specific products and services offered by Continuity Coach Pty Ltd. Some jurisdictions do not allow the limitation of liability, so this limitation may not apply to you.

Copyright © 2013 Continuity Coach Pty Ltd. All Rights Reserved. Terms & Conditions. Privacy Policy