Website Terms & Conditions

Acceptance of Terms

By accessing, browsing, or using the website located at polaris.com.au (the “Website”), you agree to be bound by these Terms & Conditions and all terms incorporated by reference. If you do not agree to these terms, please do not use the Website.

1. Use of the Website

You may use the Website only for lawful purposes and in accordance with these Terms. Polaris Risk Services Pty Ltd grants you a limited, non-exclusive, non-transferable licence to access the Website and its content for your personal, non-commercial use.

2. Intellectual Property Rights

The content on the Website, including text, graphics, logos, images, and the compilation thereof, as well as any software used on the Website, is the property of Polaris Risk Services Pty Ltd or its suppliers and is protected by copyright and intellectual property laws.

3. Financial Services Guide

Our Financial Services Guide (FSG) is provided to inform you of our services and to comply with our obligations as a financial services provider. The FSG outlines the nature of the services provided, fees charged, and procedures for complaints and disputes. It is available on the Website and should be read in conjunction with these Terms. You can access the FSG here.

4. Complaints & Handling

Polaris Risk Services Pty Ltd is committed to providing a high standard of customer service. If you have any complaints about our services, please contact our Complaints Officer at admin@polaris.com.au. We will endeavour to resolve any issues promptly and fairly, in accordance with our internal complaints procedure, which is available.

5. Insurance Brokers Code of Practice

Polaris Risk Services Pty Ltd adheres to the National Insurance Brokers Code of Practice, which sets standards of good practice and service levels for participants. Details of the Code can be accessed here.

6. SMS Communications

Our team sends SMS messages to individuals who submit a form on our website to request an insurance quote or appointment, as well as to past enquirers about scheduling a complimentary insurance review.

•       Consent: By submitting a form on our website, you agree to receive SMS messages from Polaris Risk Services Pty Ltd, including appointment reminders, updates, and relevant communications.

•       Frequency: The number of messages you receive will vary based on your interaction and service use.

•       Costs: Standard message and data rates from your carrier may apply.

•       Opt-Out: You can stop receiving messages at any time by replying “STOP” to any SMS.

•       Help: For assistance, contact us by phone at 1300 824 929 or email at admin@polaris.com.au.

•       Privacy: We handle personal information in accordance with our Privacy Policy.

•       Amendments: We may change this policy at any time. Updates are effective upon posting. Continued receipt of messages signifies acceptance of any changes.

7. Email Communications

•       Description: Our team sends transactional and marketing emails to individuals who request an insurance quote, existing policyholders, and past enquirers eligible for a complimentary insurance review. Typical content includes appointment links, policy documentation, promotional offers, newsletters, and service updates.

•       Consent: By providing your email address on our website, over the phone, or in person, you consent to receive the emails described above from Polaris Risk Services Pty Ltd.

•       Frequency: Email frequency varies based on your interactions with us. We aim to limit promotional emails to no more than 4 per month unless you explicitly request otherwise.

•       Opt-Out: Click the “Unsubscribe” link in any marketing email, or email us at admin@polaris.com.au with “Unsubscribe” in the subject line. Transaction-critical emails (e.g., policy documents or legal notices) may still be sent as required by law.

•       Support: Reply to any email or contact us at 1300 824 929 or admin@polaris.com.au.

•       Privacy: Your email address is handled in accordance with our Privacy Policy.

8. Website Tracking & Advertising Technologies

Polaris Risk Services Pty Ltd uses the following tracking and advertising technologies on our Website. By using this Website, you consent to the use of these technologies as described. You may manage your preferences via our cookie consent settings or your browser settings.

Google Ads & Google Analytics

We use Google Ads Conversion Tracking and Google Analytics to analyse user behaviour and measure advertising effectiveness. These services use cookies to track actions taken after clicking on ads and to analyse general traffic patterns. Data collected does not identify individual users. For more information, see Google Privacy Policy.

Meta Pixel (Facebook Pixel)

We use the Meta Pixel to measure the effectiveness of our advertising on Facebook and Instagram, and to show relevant ads to people who have visited our Website. The Meta Pixel collects data about your interactions with our Website, which may be shared with Meta Platforms Inc. This data does not directly identify you. For more information, see Meta Privacy Policy.

OpenAI / ChatGPT

OpenAI has introduced advertising within ChatGPT, including for certain regulated industries subject to approval. If this becomes available to us and we choose to participate, we may display advertising or sponsored content through OpenAI’s advertising platform, including within ChatGPT. Where you interact with our content via ChatGPT, OpenAI may collect data about that interaction in accordance with its own privacy practices. We do not control OpenAI’s data collection. For more information, see OpenAI’s Privacy Policy.

9. Cookies

Our Website uses cookies and similar technologies to improve your browsing experience and to support the tracking technologies described in Section 8. You can control cookie settings through our cookie consent tool or your browser settings at any time. Disabling certain cookies may affect the functionality of the Website. For full details, please refer to our Privacy Policy.

Where we participate in advertising via third-party AI platforms such as ChatGPT, those platforms may use their own tracking mechanisms which are governed by their respective privacy policies rather than our cookie settings.

10. Privacy

Your submission of personal information through the Website is governed by our Privacy Policy, which is incorporated into these Terms by reference.

11. General Advice Warning

Any information on this Website is general in nature only and does not take into account your personal objectives, financial situation, or needs. Before acting on any information on this Website, you should consider whether it is appropriate for your circumstances and obtain professional advice if necessary.

12. Disclaimers

The Website and all information, content, materials, and services included on or made available through the Website are provided by Polaris Risk Services Pty Ltd on an “as is” and “as available” basis. Polaris Risk Services Pty Ltd makes no representations or warranties of any kind, express or implied, as to the operation of the Website or the information, content, materials, or products included on the Website.

13. Limitation of Liability

To the maximum extent permitted by law, Polaris Risk Services Pty Ltd, its directors, officers, employees, affiliates, agents, contractors, suppliers, service providers, or licensors shall not be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind arising from your use of the Website, any products procured using the Website, or any other claim related to your use of the Website or any content.

14. Governing Law

These Terms and any separate agreements whereby we provide you services shall be governed by and construed in accordance with the laws of Queensland, Australia.

15. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes will be effective upon posting to the Website. The “Last updated” date at the top of this document will reflect the date of the most recent revision. Your continued use of the Website following any changes constitutes your acceptance of the updated Terms.

16. Contact Information

Questions about these Terms should be directed to:

•       Email: admin@polaris.com.au

•       Phone: 1300 824 929

•       Post: Level 2, 67 Lytton Road, East Brisbane QLD 4169

Polaris Risk Services Pty Ltd

AFSL 700131 | ABN 62 689 768 634

Last updated: 25 June 2026