Terms and Conditions for Use of this Site
By obtaining a quote and buying insurance on this website, you agree to receive our Combined Product Disclosure Statement/Financial Services Guide by accessing the link on this website. Furthermore, by purchasing an insurance policy through this website, you agree that we may provide or make available, and you will receive or access, your insurance documents electronically. The following terms and conditions apply to your receipt, access and use of electronic insurance documents:
Documents You Will Receive Electronically
As permitted by law, you will receive or access all of your insurance documents electronically. There may be some insurance documents that we cannot deliver electronically due to legal and technological constraints or that we choose not to provide or make available electronically. These documents will be delivered to you via Australia Post to the last known postal address appearing on our records for you.
Hardware and Software Requirements
You will need access to the Internet and a valid email account. You will also need Adobe Acrobat Reader version 4.0 or greater to view, save and print your electronic insurance documents. Should we make changes to the hardware or software requirements such that you may no longer be capable of accessing or retaining your electronic insurance documents, we will inform you of the revised hardware and software requirements. You will then need to review the new requirements and ensure that you are able continue receiving, viewing and saving your electronic insurance documents.
It is your responsibility to inform us of any changes to your email address. It is also your responsibility to keep your email account active and capable of receiving new emails. To do this, ensure that your email account has sufficient space for new emails and that your email server and spam blocking software do not block our emails. We are not responsible for problems arising from emails sent to an inactive or out-of-date email account, unless we are solely negligent for using an incorrect email address.
Accessing Your Electronic Documents
Your bills will be sent to you electronically. Except as otherwise required by law, we will also notify or present to you electronically (such as an email notice with a link to this website), when new insurance documents are available for you to review, print or save to your computer. It is your responsibility to log onto this website to view your documents.
Copyright / Trademark
Except where otherwise indicated, all materials contained in this website are the intellectual property of us, its affiliated companies and/or third party licensors, and are protected by copyright, trade mark, or other intellectual property rights.
Permission is hereby granted to use, copy and distribute these materials as presented in this website and without alteration for non-commercial purposes only; provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.
Except as expressly provided herein, you shall not use any portion of this website, or any other intellectual property contained on this website, on any other website, in the source code of any other website, or in any other printed or electronic materials. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this website’s content or frame this website within any other website without our prior written permission. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from us, is prohibited.
This site may contain links to other Internet websites (“Third-party Sites”) that are not maintained by us. These links are provided solely for your convenience. We make no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party Sites. We recommend that you take the time to read the privacy policies and user agreements of these sites.
Some of our websites are restricted and require a user identification code (“User ID”) and a password for access. Unauthorised use of or access of such sites is strictly prohibited. In accessing our sites requiring a User ID and password, you agree that:
We are entitled to act on instructions received under your User ID and password. We are not liable for any unauthorised access to your personal information that is not the direct result of gross negligence or intentional misconduct on our part. You will keep your password confidential and you will notify us immediately if you believe someone else has obtained your User ID and password or any unauthorised access to the online service site has occurred or may occur. We may block access to the online service site without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorised access to your personal information has occurred or may occur, or for other reasons.
Geographic Location Identification
When you visit our website, you may see messages tailored to your specific state or city. We are able to identify your general geographic location using a system that recognizes and pinpoints the location of publicly routed IP addresses – the unique numbers computers use to communicate with other devices on computer networks. Though we can identify your geographic location, we do not receive your personal information. We identify your location only to provide a more tailored experience for you.
Any advice provided by us on this website is general advice only and does not take into account your individual objectives, financial situation, or needs. You should assess whether the product is appropriate for you in light of your objectives, financial situation, and needs and consider talking to an advisor before making a decision.
Disclaimer of Warranty
To the extent permitted under applicable law, the content and materials in this site are provided “as is” and without representations or warranties of any kind, either express or implied. We do not warrant the accuracy, completeness or adequacy of the content on this website. All content on this website is subject to change without notice. We do not warrant or represent that the functions or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers or any email sent from us are free of viruses or other harmful components. All terms implied by law, except those terms that cannot be excluded lawfully, are excluded.
Limitation of Liability
We shall not be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort or otherwise, which arises out of (a) the use of, or inability to use, this site or content found in this site, or (b) unless resulting from our gross negligence or intentional actions, the unauthorised access to or alteration of your transmissions or data, even if we have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion of liability for certain damages, so the foregoing exclusions or limitations may not apply to you.
Jurisdiction / Enforceability
Use of this site shall be governed by and construed in accordance with the laws of the State of New South Wales, Australia. You irrevocably submit to the exclusive jurisdiction of the courts of New South Wales, Australia, and appeal therefrom.