Terms & Conditions

  • This website provides information rather than financial product or other advice. The content of this site, including any information contained on it, has been prepared without taking into account your objectives, financial situation or needs. You should consider the appropriateness of the information, taking these matters into account, before you act on any information. In particular, you should review the product disclosure statement for any product that the information relates to it before acquiring the product.
  • Professional advice should always be sought before any action is taken based on the content of this site.
  • The information provided on this site is general in nature only.


1.1 This website is operated by Guanyin Investments Pty Ltd ACN 631 750 171, authorised representative of SureInsure Pty Ltd T/As Sure Insure Advisors AFSL 525177 ABN 11642332698 (Lotus Investments). By using this website you acknowledge and agree to these terms and any additional terms, notices and disclaimers which appear on this website and the Lotus Insurance Privacy Policy and Financial Services Guide (Terms of Use).

1.2 Lotus Insurance may alter these Terms of Use from time to time without notice. Your continued use of the website following those changes indicates your acceptance of those changes.


2.1 You agree that you will not:

2.1.1 use this website for your commercial purposes (including sending unsolicited commercial messages to brokers);

2.1.2 send any material that could be considered harmful, obscene, indecent, lewd, or otherwise objectionable;

2.1.3 falsely misrepresent your identity or affiliation in any way;

2.1.4 modify, distribute, transmit, communicate, or publish any content on this website; or

2.1.5 use any data mining, robots, or similar data gathering and extraction methods from the website.

2.2 Any unauthorised use of the website may result in suspension or refusal of access to or use of the website.


3.1 Lotus Insurance will collect, use, disclose and handle your personal information in accordance with its Privacy Policy.


General advice

4.1 This website contains general advice only. It has been prepared without taking into account your particular objectives, financial situation or needs. Before acting on the advice, you should consider the appropriateness of the advice, having regard to your objectives, financial situation and needs.


4.2 The Competition and Consumer Act 2010 (Cth) may confer rights, guarantees and remedies on you in relation to the provision of goods and services by Lotus Insurance, which cannot be excluded, restricted or modified. Lotus Insurance does not exclude, restrict or modify those rights.

4.3 To the fullest extent permitted by law, Lotus Insurance’s liability for breach of any guarantee, which cannot be excluded, is limited at the option of Lotus Insurance to, in the case of products or services supplied or offered by Lotus Insurance which are not of a kind ordinarily acquired for personal, domestic or household use or consumption:

4.3.1 the supply of the products or services again; or

4.3.2 the payment of the cost of having the products or services supplied again.

4.4 Except for the rights, guarantees and remedies which cannot be excluded, restricted or modified:

4.4.1 Lotus Insurance excludes all liability (including liability arising as a result of its negligence) for any indirect or consequential expenses, losses, damages or costs, loss of profit, lost revenue, business interruption and loss of data incurred or suffered by or awarded against you under or in any way connected with these Terms of Use; and

4.4.2 Lotus Insurance limits its liability in relation to any direct loss to $100.

4.5 Third party content

Information contained on this website may be obtained from a variety of third party sources. To Lotus Insurance’s knowledge, the information provided is accurate. However, Lotus Insurance has not verified all third party information. Lotus Insurance makes no representations and, to the extent permitted by law, excludes all warranties in relation to the information contained on this website.

4.6 Third party links

This website may contain links to third party sites. Lotus Insurance makes no warranties or representations:

4.6.1 regarding the condition or the content of those sites; or

4.6.2 regarding the quality, accuracy, merchantability or fitness for purpose of any information, products or services on those sites.

4.7 The links are provided solely for your convenience and do not indicate, expressly or impliedly, any endorsement or approval of the sites or the products or services provided on them.


5.1 Lotus Insurance reserves all copyright in the content and design of this website.

5.2 You may make a temporary copy of part or all of this website for the sole purpose of viewing it, and print a copy for personal use.

5.3 You must not otherwise reproduce, adapt, store, transmit, print, display, publish or create derivative works from any part of the content or design of this website except with Lotus Insurance’s prior written consent or as permitted by applicable copyright legislation.


6.1 This website uses “cookie” technology to assist in identifying registered users and delivering contents specific to your interest. Cookies are pieces of information stored on an individual’s computer and are used for customising site information to improve user experience and for tracking user navigation.

6.2 If you do not wish information to be gathered on a cookie you should disable the acceptance of cookies by your web browser. Your Internet Service Provider may be able to assist you with this.


Statements made on the Lotus Insurance website are not intended to be statements of law.


The laws governing these Terms of Use will be the laws of Queensland, Australia.


9.1 For the purposes of the Electronic Transactions (Queensland) Act 2001 (Qld) Lotus Insurance and the user consent to:-

9.1.1 any information required or permitted to be given in writing under a state law being given by an electronic communication;

9.1.2 any signature required to be given under a state law being given electronically using the procedures outlined on the Website;

9.1.3 any document required or permitted by a state law to be produced being produced electronically.

9.2 Transactions (Queensland) Act 2001 (Qld), both Lotus Insurance and the user irrevocably give that consent.

9.3 Without limiting clause 9.1.1. any notice required or permitted to be given under these Terms and Conditions may be given in any way allowed by law, including by way of email.

9.4 A notice sent by email transmission is effective upon receipt of confirmation of successful transmission to the recipient unless it is transmitted after the close of normal business hours, or on a Saturday, Sunday, public holiday or 27, 28 or 29 December, in which case it is effective on the opening of business on the next business day at the intended place of receipt.


The website contains links to third party websites. These links are provided solely as a convenience to the user and are not provided as an endorsement by Lotus Insurance of the contents on the third party’s website. Lotus Insurance is not responsible for the content of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such websites. If you decide to access linked third-party Web sites, you do so at your own risk.