Skip to content

Terms of Use


By accessing the CRU sites and any page thereof, you agree to be bound by these terms of use and to comply with any applicable laws and regulations. If you do not agree to these Terms of Use, do not proceed to further pages of this CRU site.

CRU reserves the right to vary or amend these Terms of Use at any time and CRU is under no obligation to inform you about such variations or amendments. The most recent version of the Terms of Use will govern the services on the CRU Site. By continuing to access or use this CRU Site after any changes become effective, you agree to be bound by the revised Terms of Use.

The headings used for each of the paragraphs of these Terms of Use do not affect its interpretation. The reference to a “person” is a reference to an individual, a body corporate and an unincorporated association of persons. “You” means a user of the CRU Site. “We” means CRU.

For the purpose of these Terms of Use, “Content” means any text, written work, software, database, format, graphic, image, photo, video clip, podcast, listing or any other information or material which appears on or forms part of a CRU Site.

Services and solutions

CRU makes no guarantee, representation or warranty that services and solutions described on the CRU Sites are appropriate or available to You. Furthermore, some services or solutions may only be available to certain categories of persons. Therefore, please read carefully the relevant description on the respective CRU Site or request further information about the relevant service or solution.

Content available on the CRU Site has no regard to the specific objectives, financial situation or particular needs of any specific recipient. CRU does not guarantee, represent or warrant that any services or solutions discussed the CRU Site are suitable for any individual or corporate recipient. No representation or warranty, either express or implied, is provided in relation to the accuracy, completeness or reliability of Content, nor is Content a complete statement of the services or solutions, markets or developments referred to therein. Content should not be regarded by recipients as a substitute for the exercise of their judgment. Any opinions are subject to change without notice and may differ or be contrary to opinions expressed by others as a result of using different assumptions and criteria. CRU is not under any obligation to update or keep current the information about services and solutions contained on the CRU Site.

No offer

Content contained on the CRU Site is just for information purposes. The information is subject to, and must be read in conjunction with, all other publicly available information published by CRU. No Content available on the CRU Site constitutes a solicitation, an offer, or a recommendation to buy any services or solutions, to effect any transactions or to conclude any legal act of any kind whatsoever. You or your company may not rely on Content on the CRU Site for making any decision relating to services or solutions of CRU.

No warranties

If you ask us to seek insurance terms and we recommend an overseas insurer, we may be required to disclose the information to the insurer located outside Australia. For example, if we recommend a policy provided by Lloyd’s of London, your information may be given to the Lloyd’s broker and underwriters at Lloyd’s of London to make a decision about whether to insure you.

We will tell you at time of advising on your insurance if they are overseas and in which country the insurer is located. If the insurer is not regulated by laws which protects your information in a way that is similar to the Privacy Act, we will seek your consent before disclosing your information to that insurer.

Australian and overseas insurers acquire reinsurance from reinsurance companies that are located throughout the world so in some cases your information may be disclosed to them for assessment of risks and in order to provide reinsurance to your insurer. We do not make this disclosure, this made by the insurer (if necessary) for the placement for their reinsurance program.

No liability

Neither CRU, the Service Provider, any third party providing Content, nor any of their respective affiliates, directors, employees, advisors or agents will be liable for any indirect, special, incidental, consequential, punitive or exemplary loss, liability or costs, whether arising from negligence, breach of contract or otherwise and regardless whether the damage was foreseeable or not. Neither CRU, the Service Provider, any third party providing Content, nor any of their respective affiliates, directors, employees, advisors or agents will be liable for any loss of profits, business or data. Neither CRU, the Service Provider, any third party providing Content, nor any of their respective affiliates, directors, employees, advisors or agents will be liable for any damage or loss (especially loss of data, alteration of data, or downtime) that may be caused to any equipment or software due to any viruses, defects or malfunctions in connection with the access or use of the CRU Site or downloads from the CRU Site.

Intellectual Property Rights

Intellectual Property Rights in the pages of the CRU Sites and the Content available through them belong to CRU and/or to the Service Provider or other third parties. You do not acquire, by virtue of your use of the CRU Site, any rights, title or interest in any of the Intellectual Property Rights in the Content or the CRU Site. For the purpose of these Terms of Use, “Intellectual Property Rights” means (i) copyright, patents, database rights and rights in trademarks, designs, know-how and registered or non-registered confidential information; (ii) applications for registration and the right to apply for registration for any of these rights; and (iii) all other intellectual property rights and equivalent or similar forms of protection existing anywhere in the world.

Individual pages and/or sections of the CRU Site and its Content may be printed or saved for personal or internal use only. Such print-outs or savings, however, must retain all applicable copyright or other proprietary notices. You must not modify, copy, transmit, distribute, display, reproduce, publish, perform, license, frame, create derivative works from, transfer or use in any other way for commercial or public purposes in whole or in part any Content obtained from the CRU Site without the prior written permission of the owner of the relevant Intellectual Property Rights (whether that be CRU, the Service Provider or another third party). It is prohibited to systematically retrieve Content from the CRU Site to create or compile, directly or indirectly, a collection, compilation, database or directory (whether through robots, spiders, automatic devices or manual processes) without written permission from CRU.

The copyright in some Content available on the CRU Site belongs to third parties (“Third Party Content”). You must check copyright notices on or in respect of individual Third Party Content.

Website Privacy

Our Privacy Policy Statement is available on the CRU Site. You understand that your use of the CRU Site will result in our processing of personal data that you provide. The Privacy Policy Statement sets out the basis on which we will use personal data. By using the CRU Site, you are deemed to agree with the terms of the Privacy Policy Statement. In performing your obligations under these Terms of Use, You commit to comply with applicable data protection laws.