The desk
Terms of use
Conditions for using the educational guides and worksheets on Freelancer Insurance Desk.
Effective 8 October 2026.
Educational use
This site provides general information and original learning exercises. It does not provide insurance, legal, tax or personalised financial advice. Reading a guide does not create a professional adviser relationship.
Policy-specific decisions
Use the actual policy documents and an appropriately qualified professional for decisions about your own circumstances. Wording, facts and relevant law can change the answer. No example guarantees coverage, an accepted claim or a particular price.
Use of materials
You may read, link to and print the guides for personal or internal business reference. Do not misrepresent the site as an insurer, claim an endorsement or remove disclosures in a way that makes the content misleading. Third-party materials remain subject to their owners’ terms.
Sources and availability
External resources may change, move or become unavailable. They are linked for reference and are not controlled by this site. The publication may be corrected, updated or temporarily unavailable.
No waiver of mandatory rights
Nothing here is intended to exclude rights or liabilities that cannot lawfully be excluded. The educational disclaimers describe the site’s purpose; they do not guarantee regulatory compliance or override applicable law.
Contact status
See the contact page for the publication’s current contact arrangements.