Compliance

This Privacy Policy describes our current policies and practices in relation to the collection, handling, use and disclosure of personal information. It also deals with how you can complain about a breach of the privacy laws and how you can access the personal information we hold and how to have that information corrected.

To view our privacy policy – CLICK HERE

All information provided on this website is of a general nature only and has not considered your individual needs and objectives. You should refer to the Product Disclosure Statement or policy wording for more information about the policy.

The information is not intended to and do not cover all aspects of the law on the relevant subject matter. Professional advice should be sought before any action is taken based upon the matters described and discussed on this site.

To the extent permitted by law, we make no representations about the suitability of the content of this site for any purpose. All content is provided “as is” without any warranty of any kind. We hereby disclaim all warranties and conditions with regard to the content, including but not limited to all implied warranties and conditions of fitness for a particular purpose, title and non-infringement.

In no event we shall be liable for any special, indirect, exemplary or consequential damages or any damages whatsoever, including but not limited to loss of use, data or profits, without regard to the form of any action, including but not limited to contract, negligence or other legal actions, arising out of or in connection with the use, copying or display of the content.

Although we believe the content to be accurate, complete and current, there are no warranties as to the accuracy, completeness or currency of the content. It is your responsibility to verify any information before relying on it. The content of this site may include technical inaccuracies or typographical errors.

We reserve the right to modify the content of this site from time to time.

Duty of Disclosure

Before entering into an insurance contract, you must disclose to the insurer any information you know—or could reasonably be expected to know—that may influence their decision to insure you and on what terms.

This duty applies:

• Before you take out a new policy.
• Before you renew, extend, vary, or reinstate a policy.

However, you are not required to disclose information that:

• Reduces the insurer’s risk.
• Is common knowledge.
• The insurer already knows or should know.
• The insurer has waived your duty to disclose.

Consequences of Non-Disclosure

If you fail to disclose required information, the insurer may:

• Cancel your policy.
• Reduce the amount payable for a claim.
• Apply both of the above actions.

If your non-disclosure is fraudulent, the insurer may refuse to pay a claim and treat the policy as if it never existed.

Duty to Take Reasonable Care Not to Make a Misrepresentation

Under Australian insurance law, you have a duty to take reasonable care not to make a misrepresentation before entering into an insurance contract. A misrepresentation includes:

• Providing false or misleading information.
• Giving an answer that is only partially true.
• Omitting relevant details that could impact the policy.

This duty applies when you:

• Obtain a quote.
• Purchase a policy.
• Amend an existing policy.

It also applies to anyone answering questions on your behalf or anyone covered under the policy.

If you receive a renewal invitation, you must review the details and ensure all information remains accurate and complete.

Consequences of Misrepresentation

Failing to meet this duty may result in serious consequences, including:

• Your policy being voided (treated as if it never existed).
• Changes to your policy terms.
• Claims being declined or benefits being reduced.

Insurers may also investigate the accuracy of the information provided, particularly when a claim is made.