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Terms and conditions
IMPORTANT: LifeInsuranceStore.com.au are not brokers. We do not offer life insurance advice. If you submit an enquiry from this website, you will be referred to a qualified third party insurance industry professional with whom you will then deal with directly. Please take care to ensure you have read any Product Disclosure Statements and/or any other relevant insurance product documentation before purchasing any policies.
NOTE: Although we can compare the above insurers, we are not directly affiliated with them. All trademarks remain the property of their respective owners.
Use of this web site is subject to the following Terms and Conditions. We reserve the right to amend or modify these Terms and Conditions at any time. If a provision is later determined to be unenforceable, the provision will be enforced to the extent which is allowed under relevant laws and statutes.
Use of Site
Your license to make use of this web site is conditional upon your acceptance of our Terms and Conditions. You are free to use this web site to read content contained therein, make inquiries, use any tools contained within it, or access member areas. The web site may not be used for any other purpose. You agree that you will not use any device or software to interfere with the operation of this site.
Copyright
All information is copyrighted by LifeInsuranceAustralia.com. Content contained on this site may not be reproduced in any way unless previously authorised by us. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivatives works from, transfer or sell any information, products or services obtained from the LifeInsuranceAustralia.com.au website.
User Agreement
In addition to the use of site and copyright terms above, by using this site, you accept responsibility to maintain the confidentiality of your account information and password. You agree that you are of legal age to use this service.
Third party links
In view of providing increased value to our customers, this site may contain links to other sites on the Internet that are owners and operated by parties with no connection to LifeInsuranceAustralia.com.au. Even if an external party may be affiliated with us, LifeInsuranceAustralia.com.au has no control over these sites, and no responsibility of liability for the external sites independent policies, privacy statements or content. We seek to protect the intengrity of our site, and welcome feedback relating not only to the content on LifeInsuranceAustralia.com.au, but also on the sites we link to.
Accuracy of Information
We have made efforts to ensure that all information contained on the site is accurate and up to date. However, no guarantees or warranties are made as to the accuracy or completeness of the information provided. We are not liable for any loss or damage arising from inaccuracies, errors, or exclusions contained on this web site. Before making any decision, information should be confirmed with the relevant insurance institution.
Use of Information
We do not take responsibility for any content submitted to us by you. You grant us a global, non-exclusive, royalty-free, and irrevocable right to use, reproduce, modify, and publish any information you submit (outside of personal information submitted for the use of our stated services). All information collected through this web site will be handled in accordance with the terms of our Privacy Policy. You agree that you have read the privacy policy, and accept its conditions.
If you decide to complete an on-line form, the information that you enter into the on-line form will be collected and saved by us. The information you supply to us is used to assess your requirements and to enable relevant service providers, brokers, credit providers or other 3rd parties to contact you in response to your enquiry.
We may disclose your information to various credit providers and third parties for the following purposes:
- selecting the appropriate third party
- to try to get you the best rates available
- addressing your enquiry
- to send you marketing material for goods or services we think might interest you (whether or not related to your application)
- for administration purposes
- to allow insurance companies and finance institutions to use in making marketing analyses
- for such other purposes as we shall in our discretion determine, including for our commercial advantage
It is a condition of your use of the website that you agree to allow your data to be disclosed to these third parties and for them to establish contact with you. If at any point in time you would like your saved data to be deleted from our system, please contact us and we will arrange to have your records deleted from our database.
As a user of our service, you may occasionally receive email or SMS updates from us about new products or services being offered by Artog, along with newsletters and any noteworthy changes to the website. You may always unsubscribe and opt out from receiving these messages.
Unless otherwise prohibited by law or our contractual obligations, we may disclose personal information if required to do so by law, court order, or as requested by a governmental or law enforcement authority, or in the good faith belief that disclosure is otherwise necessary or advisable. Such situations may include: to perform, maintain or enforce contracts with our users or suppliers; to protect the rights or properties of Artog, our business affiliates, our users, or others; or when we have reason to believe that disclosing the information is necessary to identify, contact, or bring legal action against someone who may be causing, or who may be threatening to cause, interference with or damage to our rights or properties, whether intentionally or otherwise; or when anyone else could be harmed by such activities.
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