Terms and Conditions.
Effective date: 30 July 2026
1. About these Terms
These Website Terms and Conditions apply to your access to and use of the VUCA Risk website at www.vucarisk.com, including its pages, forms, downloadable resources and other online content.
The website is operated by:
VUCA Risk Pty Ltd
ABN 32 664 289 927
Authorised Representative No. 1300778
In these Terms, references to “VUCA Risk”, “VUCA”, “we”, “us” or “our” mean VUCA Risk Pty Ltd.
By accessing or using this website, you agree to these Terms. If you do not agree, you should not use the website.
2. What these Terms cover
These Terms govern your use of the public VUCA Risk website.
They do not replace or form part of:
A VUCA Risk Membership agreement
An insurance policy, policy schedule or endorsement
A Product Disclosure Statement
An insurance application, quotation or proposal
A broker or intermediary agreement
A response-provider engagement
A partnership or referral agreement
Any other separate written agreement with VUCA Risk, Chase Underwriting Solutions Pty Ltd or another service provider
Separate terms may apply when you purchase, access or activate a VUCA service or insurance product.
Where there is any inconsistency, the relevant signed agreement, insurance policy, policy schedule, endorsement or other formal service document will prevail over information published on this website.
3. About VUCA Risk
VUCA Risk provides organisations with governance, escalation readiness and access to specialist response capability for workplace psychosocial incidents and business crises.
Access may be provided through:
VUCA Risk Membership
Broker-placed insurance arrangements
Safety Assist
Biz Assist
Approved partner or service-provider arrangements
Organisational readiness, onboarding and response-planning services
Certain products and services involve insurance-backed response pathways. Their availability and operation are always subject to the relevant policy terms, conditions, limits, thresholds, exclusions and activation requirements.
4. No contract is created by visiting the website
Your use of this website does not, by itself:
Create a client, member, insured, adviser or service-provider relationship
Bind insurance coverage
Confirm eligibility for Membership or funded response
Constitute acceptance of an insurance risk
Guarantee that an incident or claim will be covered
Create an obligation for VUCA Risk or a third party to provide a particular service
Guarantee the availability of a response provider
Confirm that a response activation has been accepted
A binding arrangement will only arise when it is confirmed through the applicable written agreement, policy documentation, formal quotation, acceptance process or authorised activation pathway.
5. General information only
The information on this website is general in nature.
It does not take into account your organisation’s or your personal:
Objectives
Financial situation
Needs
Risk profile
Insurance arrangements
Legal obligations
Workplace structure
Incident circumstances
Before acting on information published on this website, you should consider whether it is appropriate for your circumstances and obtain professional advice where required.
Nothing on the website constitutes personal financial advice.
6. Insurance information
VUCA Risk Pty Ltd is an Authorised Representative, No. 1300778, of Chase Underwriting Solutions Pty Ltd, ABN 50 156 554 808, AFSL 454344.
VUCA Risk may arrange and distribute certain insurance products for and on behalf of Chase Underwriting Solutions Pty Ltd. Insurance policies are issued by Chase Underwriting Solutions Pty Ltd.
Any insurance-related information on this website is general advice only and does not take into account your objectives, financial situation or needs.
Before making a decision about an insurance product, you should:
Consider whether the product is appropriate for your circumstances
Read the relevant Product Disclosure Statement
Read any applicable Supplementary Product Disclosure Statement
Review the policy wording, schedule, endorsements, limits and exclusions
Review the applicable Target Market Determination
Obtain advice from your insurance broker or adviser where appropriate
Insurance benefits and funded response services are subject to the applicable policy terms, conditions, limits, waiting periods, thresholds and exclusions.
Nothing on this website guarantees that:
Insurance will be offered
A policy will respond
A claim will be accepted
A particular cost will be reimbursed
A response activation will meet the relevant policy threshold
Chase’s current public disclosure confirms its ABN, AFSL and general-advice position.
7. Membership information
Information about VUCA Risk Membership is provided as a general overview only.
Membership inclusions, eligibility, pricing, commencement dates, response pathways and service availability may vary according to:
Organisation size
Workforce profile
Risk exposure
Agreed scope
Location
Onboarding requirements
Selected services
Applicable insurance arrangements
The final Membership agreement
A Membership does not guarantee that every incident, cost, request or service will be covered or funded.
The relevant Membership agreement and supporting documents will determine what is included.
8. Not an emergency service
The public website, website contact forms and ordinary email addresses are not emergency services.
They should not be used to report an immediate threat, request urgent police assistance or activate an emergency response unless you have been expressly directed to use that channel.
If there is an immediate threat to life, health or safety, contact emergency services by calling 000.
Members, insured organisations and authorised users should follow the activation instructions provided in their:
Membership onboarding material
Insurance policy documents
Incident-response protocol
Emergency contact material
Organisational escalation procedure
Submitting a website form or sending an ordinary email does not confirm that an incident has been received, assessed or activated through an applicable response pathway.
9. No substitute for professional advice
Website information, tools, frameworks, articles, checklists and resources are not a substitute for advice from an appropriately qualified professional.
Depending on the circumstances, you may need advice or assistance from:
Emergency services
Police
A lawyer
An insurance broker
A medical practitioner
A psychologist or mental-health professional
A security or protective-services professional
A workplace health and safety adviser
An investigator
A cyber-security specialist
A crisis communications adviser
VUCA Risk does not provide medical diagnosis, psychological treatment or legal advice merely by publishing information on this website.
10. Response services and third-party providers
VUCA Risk may coordinate or facilitate access to independent specialist providers.
These may include:
Crisis-response specialists
Safety and security providers
Legal advisers
Medical or psychological professionals
Investigators
Cyber-security specialists
Accommodation and transport providers
Communications advisers
Business-continuity specialists
Other professional or logistical providers
The availability of a particular provider or service may depend on:
The circumstances of the incident
Location
Provider availability
Applicable laws
Professional scope
Membership terms
Insurance coverage
Policy limits and exclusions
Approval or activation requirements
Some third-party providers operate independently and may require you to agree to their own terms, privacy policies, professional arrangements or engagement conditions.
References to providers, partners or professional networks on the website do not guarantee that a particular provider will be appointed or available.
11. Response times and availability
Any reference to a response time, availability period or 24/7 capability describes the intended operating model of the applicable service.
It is not an unconditional guarantee that:
A particular provider will respond within a specific number of minutes
On-site assistance will always be immediately available
Every service will be available in every location
Technology or telecommunications systems will operate without interruption
A response will achieve a particular result
Any formal service-level commitment will be contained in the applicable agreement, policy or response protocol.
12. Case studies and scenarios
Case studies, examples and scenarios published on this website are provided to explain how workplace incidents and response pathways may operate.
Unless expressly stated otherwise, a case study may be:
De-identified
Anonymised
Adapted to protect privacy
Based on a combination of incidents
Modelled for educational purposes
Hypothetical or illustrative
Names, identifying details, locations and circumstances may be changed.
Outcomes described in a case study do not guarantee that the same outcome will occur in another incident.
Every incident is different and will be assessed according to its own circumstances and the applicable service or policy terms.
13. Accuracy of website information
We take reasonable steps to ensure information published on the website is accurate and current.
However, workplace regulation, insurance arrangements, service networks, pricing, legislation and professional guidance can change.
To the extent permitted by law, we do not warrant that website information is:
Complete
Free from error
Current at all times
Suitable for every user
Applicable in every Australian state, territory or overseas jurisdiction
Available without interruption
You should verify important information before relying on it.
A publication date or “last updated” date does not guarantee that every statement has been independently reviewed as at that date.
14. Legislation and regulatory information
The website may contain general information about:
Psychosocial hazards
Workplace health and safety duties
Domestic and family violence
Workplace violence
Employment obligations
Insurance
Corporate governance
Regulatory developments
This information is educational and does not constitute legal or regulatory advice.
Requirements may differ between Australian states and territories and may depend on the organisation, industry, workforce and incident.
You should obtain jurisdiction-specific professional advice before relying on the information for compliance purposes.
15. Pricing and quotations
Any pricing displayed on the website is indicative unless expressly stated otherwise in a formal written quotation or agreement.
Pricing may change according to:
Organisation size
Workforce numbers
Risk profile
Service scope
Insurance requirements
Underwriting assessment
Location
Partner involvement
Applicable taxes
Agreed implementation requirements
Website pricing does not constitute a binding offer.
VUCA Risk may amend or withdraw indicative pricing before a formal agreement is entered into.
16. Permitted use of the website
You may access and use this website for lawful personal, professional or internal organisational purposes.
You may download or print publicly available resources for your own use or your organisation’s internal use, provided that you:
Do not remove copyright, attribution or disclaimer notices
Do not misrepresent the content as your own
Do not modify the content in a misleading way
Do not sell, license or commercially distribute it
Do not publish it as part of another product or service
Do not use it to suggest an endorsement or partnership that does not exist
Permission to access a resource does not transfer ownership of any intellectual property.
17. Prohibited conduct
You must not:
Use the website unlawfully or fraudulently
Attempt to gain unauthorised access to the website, systems or data
Introduce malware, viruses or harmful code
Scrape, harvest or systematically extract website content or data without permission
Reverse engineer or interfere with website technology
Impersonate another person or organisation
Submit false, misleading, defamatory or unlawful information
Use the website to threaten, harass or harm another person
Reproduce or commercially exploit VUCA intellectual property without permission
Circumvent security, access or authentication controls
Use automated tools in a way that places an unreasonable burden on the website
We may restrict or block access where we reasonably believe these Terms have been breached.
18. Intellectual property
Unless otherwise stated, the website and its content are owned by or licensed to VUCA Risk.
This includes:
Business names and trade marks
Logos and brand assets
Website design and layout
Written content
Response frameworks
Diagrams and models
Articles and insights
Case studies
Checklists
Guides and downloadable resources
Videos and audio
Graphics and images
Software, workflows and digital functionality
Training and educational material
Content is protected by Australian and international intellectual-property laws.
You must not copy, reproduce, adapt, publish, communicate, distribute, license or commercially exploit website content without prior written permission, except where expressly permitted by these Terms or by law.
19. Use of downloadable resources
Downloadable materials are provided for general educational and internal organisational use.
They should not be treated as:
Legal advice
A complete workplace policy
A replacement for professional risk assessment
A complete compliance system
An insurance policy or coverage confirmation
A guaranteed response procedure
You are responsible for determining whether a resource is appropriate for your organisation and whether it requires modification, professional review or approval before use.
20. Information submitted through the website
You are responsible for ensuring that information you submit is accurate and that you are authorised to provide it.
General website forms should not be used to submit detailed sensitive incident information unless requested by VUCA Risk.
When making an initial enquiry, provide only the information reasonably necessary for us to contact you and understand the general nature of your request.
Do not submit information about another person unless you have an appropriate basis or authority to do so.
Sending information through a website form or email does not, by itself:
Create a professional retainer
Confirm insurance coverage
Activate an incident response
Guarantee confidentiality beyond applicable legal and privacy obligations
Require VUCA Risk to act before an engagement or activation has been accepted
Personal information will be handled in accordance with our Privacy Policy.
21. Confidential and sensitive information
Where VUCA Risk has accepted an engagement, activation or contractual obligation, confidentiality will be managed in accordance with:
Applicable law
The Privacy Policy
The relevant agreement
Insurance requirements
Professional obligations
Safety considerations
There may be circumstances in which information must be disclosed without consent, including where disclosure is required or authorised by law or reasonably necessary to address a serious threat to life, health or safety.
22. Third-party websites
The website may contain links to third-party websites, documents, platforms or services.
These links are provided for convenience or additional information.
Unless expressly stated, VUCA Risk does not control and is not responsible for:
Third-party content
Website availability
Security practices
Privacy practices
Representations
Products
Services
Terms and conditions
You access third-party websites at your own discretion and should review their applicable terms and privacy policies.
23. Website availability and security
We may change, suspend, restrict or discontinue any part of the website without notice.
We do not guarantee that the website will always be:
Available
Secure
Free from technical error
Free from viruses or harmful components
Compatible with every device or browser
You are responsible for maintaining appropriate security, backups and virus protection when accessing online content.
24. Privacy and cookies
Our collection, use, storage and disclosure of personal information is governed by our Privacy Policy.
The website may use cookies, analytics tools and similar technologies to operate the website, understand usage and improve content.
By using the website, you acknowledge that these technologies may operate in accordance with the Privacy Policy and your browser settings.
25. Australian Consumer Law
Nothing in these Terms excludes, restricts or modifies any right, guarantee, condition, warranty or remedy that cannot lawfully be excluded, restricted or modified, including rights under the Australian Consumer Law.
Where goods or services are supplied to a person who is entitled to consumer guarantees, those guarantees continue to apply.
Any exclusion or limitation in these Terms operates only to the maximum extent permitted by law.
Consumer guarantees apply automatically where the Australian Consumer Law applies and cannot be removed by a business’s terms.
26. Limitation of liability
To the maximum extent permitted by law, VUCA Risk is not liable for loss arising solely from:
Reliance on general website information without obtaining appropriate advice
Use of an outdated or superseded resource
Temporary website unavailability
Third-party websites or services
Unauthorised use of website content
Information submitted through an inappropriate or non-designated channel
A failure to follow emergency or activation instructions
Events outside our reasonable control
To the maximum extent permitted by law, VUCA Risk will not be liable for indirect, incidental, special or consequential loss arising from use of the public website.
This section does not exclude liability that cannot lawfully be excluded and does not alter any liability assumed under a separate written agreement, insurance policy or applicable law.
27. Your responsibility for misuse
You are responsible for loss or damage reasonably caused by your:
Unlawful use of the website
Material breach of these Terms
Infringement of another person’s intellectual-property rights
Submission of information you were not authorised to provide
Attempt to compromise website security
This section does not require you to compensate VUCA Risk for loss caused by VUCA Risk’s own negligence, breach of law or misconduct.
28. Changes to these Terms
We may update these Terms when our website, services, legal obligations or business arrangements change.
The current version will be published on this page with its effective date.
Changes will apply from the date they are published and will not retrospectively alter a separate agreement or insurance policy.
Your continued use of the website after updated Terms are published constitutes acceptance of the updated Terms.
29. Severability
If any provision of these Terms is found to be invalid or unenforceable, that provision will be read down or removed to the minimum extent necessary.
The remaining provisions will continue to apply.
30. No waiver
If VUCA Risk does not immediately enforce a right under these Terms, that does not mean the right has been waived.
A waiver is only effective if confirmed in writing.
31. Governing law
These Terms are governed by the laws of Queensland, Australia.
You submit to the non-exclusive jurisdiction of the courts of Queensland and any courts entitled to hear appeals from them.
32. Contact us
Questions about these Website Terms and Conditions can be directed to:
VUCA Risk Pty Ltd
ABN 32 664 289 927
Authorised Representative No. 1300778
Level 5, 145 Eagle Street
Brisbane QLD 4000
Telephone: 07 4516 3300
Email: admin@vucarisk.com