Disclaimers, fine print and red tape

Legal stuff from Larry the Lawyer Legal stuff from Larry the Lawyer

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 and Sapience Corporation Pty Ltd. ABN 29 086 679 718 are Authorised Representatives of an Australian Financial Services Licensee AFSL Shartru Wealth, license number #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.

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.

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 a registered Tax (Financial) Adviser     Sapience is an Member of the AFCA

Commercial Ethics & Compeditors

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

Please contact us here, 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.