1. EML Group
This site and any communications, marketing material, or information you have received have come from the EML Group which consists of a partnership between Employers Mutual Limited ABN 67 000 006 486 AFSL 530875 and ASWIG Management PTY LTD ABN 52 002 617 012 and its subsidiaries and related body corporates which include: EML Solutions PTY LTD (ABN 77 613 902 346 AFSL 530877), EML Management PTY LTD (ABN 45 667 001 710), EML NSW Limited (ABN 52 003 201 885), Employers Mutual SA PTY LTD (ABN 48 145 330 543), EML VIC PTY LTD (ABN 93 606 104 910), Employers Mutual Management PTY LTD (ABN 11 001 735 191) referred to collectively as “EML”.
Any reference to "EML" on this website, EML's online profiles, or in any communications, marketing materials, or information you receive refers to the EML Group and its subsidiaries and related companies, both collectively and individually.
"EML's online profiles" include, but are not limited to, its presence on LinkedIn, YouTube, Vimeo, and other online virtual platforms.
2. General Information
The information appearing in this site, EML’s online profile or any communications, marketing material, or information you have received from EML is for general information only and does not constitute an offer or an intention to enter into a legally binding contract.
This information is not intended as marketing material and is provided in accordance with the EML Group’s obligation to provide you with relevant information about your policy and available resources for preventing workplace injuries and improving recovery outcomes.
3. Liability
Except for responsibilities implied by law which cannot be excluded, EML is not responsible for any loss, damage, cost or expense incurred by you as a result of any error, omission or misrepresentation in relation to this site.
EML is not responsible for any other sites you may access via links provided to on this site, EML’s online profile or any communications, marketing material, or information you have received from EML. Unless otherwise stated, those links do not represent any endorsement, approval, recommendation or preference by the EML of the owners or operators of those other web sites, or of any information, products or services referred to on those other web sites. Any links provided to other sites are for convenience only. EML makes no representation that linked websites are current or maintained and will not be liable for any loss, damage, cost, or expense incurred by you in accessing or attempting to access such linked websites.
EML is not liable to you or anyone else if interference with or damage to your computer systems occurs in connection with your use of this web site. You must take your own precautions to ensure that whatever you select for your use from this web site is free of viruses or anything else (such as worms or trojan horses) that may interfere with or damage the operations of your computer systems.
4. Advice
The information contained on this site, EML’s online profile or any communications, marketing material, or information you have received from EML has been prepared for general information only. It has not been prepared for any person's individual circumstances and is not intended to be legal, medical or workplace health and safety advice. EML takes no responsibility for the accuracy, currency, reliability and correctness of any information included in the material provided. You are solely responsible for evaluating the information and should independently verify all representations, statements, and information with your own professional advisors before making any decisions. EML disclaims, to the extent permitted by law, all warranties, representations or endorsements, express or implied, with regard to the material including but not limited to, all implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
5. Communications
We may reach out to you in various forms including email to notify you of new or updated information or materials available via our website, or EML’s online platforms.
You have received communications from us if you are a policy holder as part of one of the schemes, we are an agent for. These communications are in relation to our contractual requirements to provide you with relevant information as part of our contractual requirements.
If you are a claimant, you have received communications from us in relation to your claim or you have consented to and elected to receive these communications from us.
If you are a policy holder/client, you will also have access to the benefits offered by Employers Mutual’s Mutual Benefits Program and will receive communications in relation to the benefits afforded to you. The EML Group does not derive any financial or other material benefit from your participation in this program or any other programs, benefit, discounts offered, these are extended to the EML Group customers as a value-added service through our partnership and collaboration with certain organisations.
These communications are not intended as marketing material and is sent to you in accordance with EML’s obligation to provide you with relevant information about your policy and available resources for preventing workplace injuries and improving recovery outcomes.
6. Application of Laws
These terms and conditions are governed by the laws in force in New South Wales, Australia and you submit to the non-exclusive jurisdiction of the courts of New South Wales, Australia and any courts which may hear appeals from those courts in respect of any proceedings in connection with these terms and conditions or this web site.