We'd like to be really clear about something

This site does not provide legal, financial, medical or commercial advice and by using this website you acknowledge this.

  • This site only provides general information and doesn't take into account your individual circumstances.
  • Any information presented can give you a general idea of some of the options available to you but you'll still need to work out what’s appropriate for you.

That's why you should always get professional advice, and we'd love to help you with that.

Important information about:

Advice Disclaimer

Unusual Risks Insured and our parent brand Sapience Financial would like to welcome you to our website.  We've worked hard to make it as user-friendly and informative as possible. When viewing the pages of this website, you acknowledge you have read and accepted our disclaimer.

The information on this website is provided "as is" and for general information only. Sapience has provided this information for the benefit of users in good faith and with reasonable care. However, errors and omissions in this website and the information on it may occur from time to time and Sapience does not guarantee the website will always operate or be error-free. Accordingly, to the maximum extent permitted by law, Sapience does not accept any liability for the use of or inability to use this site, or for any loss or damage which may directly or indirectly result from any opinion, information, advice, representation or omission contained on this website.

Financial Advice

Drew Browne is an Authorised Representative and Sapience Corporation Pty Ltd. ABN 29 086 679 718 is a Corporate Authorised Representative of an Australian Financial Services Licensee AFSL Shartru Wealth Management Pty Ltd #422409 ABN 46 158 536 871. They will be acting on behalf of the AFSL if they recommend financial products to you later after considering your circumstances.

  • You can download their Financial Services Guide (Part 1&2) (FSG) here.
  • You can download their Privacy Policy (SWMPC) here.

We never provide financial advice without first considering a person's individual circumstances and all our financial advice is provided in a written form inside a Statement of Advice document (SoA).

Good Advice

And just while we're on the topic of whose responsible for what, and who provides the very helpful general information on this site, the Good Advice in our Blog is compiled by the complex mind of Drew Browne (unless otherwise stated or linked to its author).

Multimedia Content

And just so we can be super clear, the general information in all our multimedia content (like videos and audio files) is only general information made available for information and educational purposes only. This means we have not considered your personal circumstances. Before making any decision on the basis of this information you should consider if the information is appropriate for you based on your particular circumstance.

Recognition of Sex and Gender

The Sapience Group of clever brands recognise individuals may identify and be recognised within the community as a gender other than the sex they were assigned at birth or during infancy, or as a gender which is not exclusively male or female. Persons with diverse sexual orientation and or diverse characteristics are encouraged to identify as they so choose. Where sex and/or gender information is collected and recorded in a personal record, individuals are given the option to select M (male), F (female) or X (Indeterminate/Intersex/Unspecified).

Trauma-Informed Organisation (TIO)

Trauma-Informed OrganisationWe're a purpose-designed Trauma-Informed Organisation. (TIO)  This means we have reconsidered and evaluated all the components of our financial advice system through an understanding of the impact of violence and trauma in the lives of people and those we seek to serve.

Read more about Trauma-Informed Organisations

We recognise the need for Trauma-Informed Organisational leadership in Australian Financial Advice services. 

We understand;

  • trauma results in multiple vulnerabilities and affects many aspects of a survivor’s life over their lifespan
  • trauma often 'affects the way people approach potentially helpful relationships' cite with professions like ourselves
  • our work brings us into contact with adults who may have been impacted by any of a range of overwhelming adverse experiences, both medical and interpersonal in nature and caused by natural events and disasters

We design (and constantly redesign and improve) our systems of service by fully integrating knowledge about trauma in a manner that accommodates the vulnerabilities of trauma survivors

We strive to minimise the risk of re-traumatisation when interacting with us and our services because we understand past trauma can affect different people in different ways because everyone is unique. We seek to play our part in a broader environment of healing and support as people navigate the financial aspects of their life guided by us.

We’re guided by the principles of safety, choice, collaboration, trustworthiness and empowerment of our clients. Our team integrates Mental Health First Aid principles, Stigma and Discrimination avoidance, and promote safe procedures and healthy ways of working respectfully with our clients throughout our organisation.

Our future: Sapience and our specialist advice brands and services will continue to demonstrate leadership and a commitment to compassionate and effective practices for financial services and insurance conversations as we continue to grow and develop our ability to better meet the needs of clients with histories of trauma.

You can read more about Trauma-Informed Risk Protection Advice philosophy here.

Email Communications

All our email communications together with any attachments are intended only for the person or entity to which it is addressed and may contain confidential and/or privileged material. You should only read, disclose, re-transmit, copy, distribute, act in reliance on or commercialise the information if you are authorised to do so. If you are not the intended recipient of any of our e-mail communication, please notify us immediately by replying directly to the sender and then destroy any electronic or paper copy of this message. Sapience Corporation is an Authorised Representative of the AFSL and CL identified above.

Site Security

The security lock at the top left side of the website URL indicates all communication between your browser and our site (including emails) is encrypted and safe using online banking grade security.


The Sapience Group of clever brands where possible use eSignatures (electronic signatures) to save our clients time and preserve their privacy.  Our eSignature platform is managed by DocuSign. Electronic Signatures have been recognised by law in Australia since 1999, with the passage of the Electronic Transactions Act. Additionally, the Insurance Contracts Amendment Act 2013 (Cth) specifically allows for the use of electronic communication.

Read more about eSignatures

Under Australian law, a written signature (often called an ink-on-paper or wet signature), is not necessarily required for a valid contract.  Documents and contracts are generally valid if legally competent parties reach an agreement, whether they agree verbally, electronically or in a physical paper document. The Electronic Transactions Act in the Commonwealth, States, and Territories of Australia specifically confirm that provided certain requirements are met, and a relevant exception does not apply, contracts cannot be denied enforceability merely because they are concluded electronically.

Professional Memberships

Unusual Risks Insured and our parent brand Sapience Financial holds relevant professional memberships.

Sapience is a Professional Member of the AFA               Sapience is an Member of the AFCA

Commercial Ethics & Competitors

Financial Advisers in Australia are familiar with the obligations of the FASEA Code of Ethics – requiring Advisers amongst other things, to develop and maintain high-levels of relevant skills and act with integrity and put the needs of the client before our own.

FASEA Code of Ethics Standard 12 introduces a new enforceable concept on financial advisers.

  • 'Individually and in cooperation with peers, you must uphold and promote the ethical standards of the profession, and hold each other accountable for the protection of the public interest'.

If you are a Financial Adviser outside our network of clients, friends and supporters, please do not go through our systems pretending to be a prospective client or representing yourself as a future potential client, just to gain our intellectual property.  We, like you are obligated to comply fully with the FASEA Code of Ethics and report unethical behaviour.


The right to privacy is the core of a civilized society. We believe protecting the privacy of 'health information is an integral part' of providing quality financial advice.

No one shall be subjected to arbitrary interference with their privacy, family, home or correspondence, nor attacks upon their honour and reputation. Universal Declaration of Human Rights

Read more about Our Privacy Policy

We understand that people want the information they give to organisations to be treated with respect and confidentiality. Protecting your information is an important part of maintaining trust between us and our customers and by handling information in a secure manner we build strong business relationships. For our European clients, friends and supporters, it is our intent to be compliant with the EU GDPR

“Personal information” is information we hold which is identifiable as being about you. Personal information collected by us will only be used in accordance with this Privacy Policy and the Australian Privacy Principles.

1. What personal information we collect

There are many aspects of the site which can be viewed without providing personal information, however, you may be required to submit personally identifiable information from time to time.

  • This may include:
  • First name;
  • Email address
  • State of residence ( this helps us with time zone expectations)

We may contact you by a variety of measures to voluntarily respond to questionnaires, surveys or market research to seek your opinion and feedback or in the normal course of your business with us as a client. Providing this information is optional to you. We may receive personal information from third parties. If we do, it will be protected as
set out in this Privacy Policy.

2. Non-personally identifiable information

For each visitor to the site, we collect the following non-personally identifiable information, including but not limited to pages viewed while browsing the site, browser and operating systems, page access times and referring website address. This collected information is used solely internally for the purpose of gauging visitor traffic, trends and delivering personalized content to you while you are at the site.

3. How we collect your personal information

We collect personal information from you in a variety of ways, including when you interact with us electronically or in person; when you access our website; and when we provide our services to you.

4. Use of your personal information

We may use your personal information to provide the Sapience Group of brands service to you and to provide you with information from us and our partners. We may use your personal information to better understand customer needs, improve our website and improve our service. We may use your personal information to respond to queries about our service and documents requests. We also use your personal information for marketing purposes, to improve our service and to notify you of opportunities that we think you might be interested in.

Our optional anonymous online pre-assessment, processes information users provide to a series of questions for the purposes of a preliminary online calculation completed by our proprietary AI System not seen or used by a human.

5. Disclosure of personal information

In limited circumstances, we may disclose personal information overseas where permitted by current privacy legislation. This includes the use of Cloud computing and web tracking information we collect using Google Analytics may also be stored overseas.

6. Security

We use SSL Website encryption on all our sites and take reasonable steps to protect your personal information. However, we are not liable for any unauthorised access to this information. The transmission and exchange of information are carried out at your own risk. We take steps to safeguard against unauthorised disclosures of information, however, we cannot assure you that personal information will not be disclosed in a manner that is inconsistent with this Privacy Policy.

7. Cookies

As is very common for companies, we use cookies on our website. Cookies are very small files which a website uses to identify you when you come back to the site and to store details about your use of the site. Cookies are not malicious programs that access or damage your computer. We use cookies to improve the experience of people using our website. You have the option to accept or decline cookies. You can usually modify your browser settings to decline cookies if you prefer. This may, however, prevent you from taking full advantage of the Site.

8. Third party sites

Our site has links to other websites not owned or controlled by us. We are not responsible for these sites or the consequences of you going on to those sites. The Sapience Group does not make money from third party advertising so we do not collect or share personal information for that purpose.

9. Accessing your personal information

You have a right to access your personal information in accordance with the provisions of the Privacy Act 1988 (Cth). If you would like to do so, please contact us and let us know. You may be required to put your request in writing for security reasons. We reserve the right to charge a fee for searching for, and providing access to, your information on a per request basis. We reserve the right to refuse to provide you with information that we hold about you, in certain circumstances set out in the Privacy Act.  If you believe that any information we hold on you is inaccurate, out of date, incomplete, irrelevant or misleading, please contact us. We will respond to any request shortly after receiving it and will endeavour to promptly correct any information found to be incorrect.

10. Complaints

If you have any complaints about our privacy practices, please feel free to send in details of your complaints. We take complaints very seriously and will respond shortly after receiving written notice of your complaint.

11. Changes

Please be aware that we may amend this Privacy Policy in the future with changes, additions, and deletions, at our discretion. Your continued use of the Site following any amendments indicates that you accept the amendments. You should check this page from time to time to ensure that you are aware of any changes.

This privacy policy was last updated on the 23th of May 2018.
Contact Details
Sapience Group
PO Box 4079 MARAYONG 2148 NSW AU

Please contact us if you have any questions.

This website, its assets and IP are used under license from the respective owners and not the property of the domain holder.

About Us

Unusual Risks Insured provides support to those people who big insurance companies leave behind. We believe in giving every person the power to use life insurance products to protect & provide for their loved ones, their businesses, and their legacy — free from barriers of stigma and discrimination.

We know, as an LGBTQIA+ person (or someone who goes without labels entirely), you probably have specific financial advice, life insurance, and privacy needs.

  • We're committed to serving the LGBTQIA+ Community and its Allies.
  • For us, it's about change leadership and #AdviceEquality.

Why not make us part of your story, so if the unexpected happens to you or whoever is family to you, you'll have a backup plan in place to help you financially recover and life can still get better for somebody you love.

#LoveTakesAction  #AdviceEquality  #PrideInAdvice

contact drew browne advisor Unusual Risks Insured and Sapience Financial

Drew Browne, Senior Advisor

Contact Us

Working Online & serving Australia Wide
from George St Sydney, NSW, Australia.
[ Gadigal Land ] & [ Darug Country ]

Say Hello! unusualrisks.com.au

Phone: 1300 137 403
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