- 1.3 This Website is intended for use by Australian residents only, aged 18 years and over.
3. Our service and how we are paid
- 3.1 We provide a service on this Website which enables you to submit enquiries on health insurance, life insurance, personal insurances all of which are provided by third parties.
- 3.2 Our service is free for you to use. We receive payment from the third party service providers when you use our service to purchase products from them.
4. Permitted use
- 4.2 You are not permitted to do anything that may affect the security of this Website or any information or material stored within it.
- 4.3 You agree not to:
(a) use any automated tool (such as a spider, robot or aggregation tool) to access, copy or extract such information;
(c) use any method or process (including data scraping, collection or accumulation tool, robot, spider or scripted responses) for the purpose of obtaining, processing, copying, replicating, distributing, reconfiguring, republishing, viewing, assessing, analysing, modifying or repackaging any Website content;
(d) use any method or process to consolidate or combine any Website content with any other content, data, information, images or material;
(e) reverse engineer, disassemble or otherwise attempt to construct or identify this Website’s source code, formulas or processes;
(h) post, distribute or send any ‘spamming material’ or any other form of bulk communication.
4.4 You are not permitted to use this Website in any unlawful or fraudulent manner.
- 4.5 You agree that if you provide any information on this Website, that information will be true, accurate and complete.
5. Registering an account
- 5.1 This Website allows you to create a personal account. This Website may allow you to sign in to your personal account by generating a standard username and password. Any such account or access details provided or created by you will be referred to collectively as “Login Details”.
- 5.2 In all cases, if you create a personal account, you agree that:
(a) your Login Details must be used by you only;
(b) you will keep your Login Details secure and confidential at all times and will not disclose these to any other person. For security purposes, we recommend that you change your password at least once every 6 months;
(c) you are responsible for all actions that take place as a result of access to this Website’s services via your Login Details; and
- 5.4 We may disable or close your account at any time as a result of any suspected or actual unauthorised use of your Login Details and we will notify you by using the contact details that you have previously provided.
6. No advice
- 6.1 We do not offer any general or personal advice. Nothing on this Website constitutes insurance, financial or other advice by us in relation to any product.
- 6.2 This Website is intended to be used for obtaining general information purpose, but we are not able to bind any third party provider or ensure that any third party provider sells any product to you. Accordingly, nothing on this Website amounts to an offer by us or any third party provider to: (a) sell any product to you; or (b) enter into any contract with you.
7. Exclusions of liability
- 7.1 This Website, content and services are supplied to you on a strictly “as is” basis and we make no warranties, express or implied, regarding their satisfactory quality, fitness for a particular purpose, reliability, timeliness, accuracy, completeness, security or that they are free from error.
- 7.2 We try to ensure that the information displayed on this Website is accurate, however your access to this Website and any action you carry out on the basis of information you obtain from this Website is carried out entirely at your own risk and we accept no liability for any losses that you may suffer as a result.
- 7.3 We do not give any warranty that the Website is free from viruses or anything else which may have a harmful effect on any technology.
- 7.4 We aim to provide uninterrupted access to this Website but we give no warranty as to the uninterrupted availability of this Website. We reserve the right to suspend, restrict or terminate your access to this Website at any time.
- 7.5 We will not be liable for any loss of use, profits or data or any indirect, special or consequential damages or losses, whether such losses or damages arise in contract, negligence or tort, or otherwise in relation to:
(a) your use of, reliance upon or inability to use this Website or content;
(b) the deletion with or without notice or cause of any of your data or information stored on this Website;
(c) any loss of your content or communications resulting from delays, non-deliveries, missed deliveries, service interruptions or a failure, suspension or withdrawal of all or part of this Website at any time;
(d) the removal from this Website of any content or communications sent or posted by you on or via this Website;
(e) any circumstance that is outside of our reasonable control; and
(f) any loss or damage that is not directly caused by us or which we could not reasonably expect at the time we entered into our agreement with you.
9. Contact us
- 9.1 We have a number of links on this Website. These may take you to other websites. The purpose of these links is to provide you with easy access to further information you may need in making your purchase decision. In no circumstances do we make representations about the accuracy of any information contained on any other websites. We exclude all liability for any loss, damage, cost or expense you incur in accessing or attempting to access a third party site.
- 9.2 If you have any questions concerning this Website or the services and products we provide, please contact us.
11. Governing law