Important Notice

This material has been created by the EML Group with the assistance of The Shannon Company Pty Ltd. The EML Group (referred to as 'EML') is made up of a group of companies owned and operated by a partnership between Employers Mutual Limited and ASWIG Management Pty Limited. This material is for general information and training purposes only. It has not been prepared taking anyone’s particular circumstances into account and is not legal or medical advice.

Liability exclusion: EML expressly states that neither it nor The Shannon Company is liable for any loss or damage arising from use of this material, however arising including by way of the negligence of EML or The Shannon Company.

The material is provided for use by customers and clients of EML only, for their training and information. No part of this material may be reproduced, extracted, published or distributed otherwise than by those customers and clients for the purpose described without written permission of EML. Intellectual property rights in the material vest in EML (and in some instances, in The Shannon Company).