Protect Underwriting Pty Ltd ABN 21 095 612 276 (“Protect Underwriting”, “we”, “us” or “our”) owns and operates this website, associated sub-domains (collectively known as “our domains”), mobile compatible websites, mobile app (the “Protect Underwriting App”), social media sites and pages, and all electronic communications (including emails and automated notifications) sent from, or via, our domains and noted throughout these Terms and Conditions as “Protect Underwriting online services”. The Protect Underwriting online services are owned and operated for the benefit of Protect Underwriting or its intermediaries and partners that we may engage to distribute our products. Protect Underwriting online services and the text, data, information, images, graphics, advertisements, get up, software, or any other materials (the “content”) are the property of Protect Underwriting and any third-party licensor.
These Terms and Conditions govern your use of Protect Underwriting online services and their content. Further to these Terms and Conditions, additional terms may apply to specific sub-domains and applications. Where this occurs, we will make every effort to make you aware of them and you will be bound by those additional terms.
The Terms and Conditions, in addition to any other disclaimers and notices that may be contained on this and any other associated websites and social pages are known as the “Terms and Conditions”. Your use and access to the Protect Underwriting online services is conditional upon your acceptance of these Terms and Conditions and your ongoing compliance to them.
The following Terms and Conditions will assist you in understanding how Protect Underwriting:
Through your continuing use of the Protect Underwriting online services, you acknowledge you have read and agree to be bound by these Terms and Conditions.
The Terms and Conditions listed are the current terms and may be replaced, updated or varied at any time as a result of commercial, regulatory, legal, security reasons, or as a result of changes in the features and functions of the Protect Underwriting online services. We will use commercially reasonable endeavours to advise or contact you where there is a change to these Terms and Conditions. Your use of Protect Underwriting’s online services are taken to be your acceptance of any new Terms and Conditions.
Should you refuse to accept these Terms and Conditions, you must immediately cease accessing Protect Underwriting online services, remove any stored content and destroy any hardcopies of the content comprising Protect Underwriting online services you may have stored.
Protect Underwriting online services may be provided for the purposes of:
Your use of Protect Underwriting online services must not breach any of the Terms and Conditions, or be used for any purpose that violates any rights of Protect Underwriting or is unlawful. Through your use of Protect Underwriting online services, you agree that you will not:
Remember, you should never use the App while driving or in control of your vehicle. Depending on the version of the App you have downloaded, the Terms and Conditions and Privacy Policies (“Platform Terms”) of Apple or Google will apply when you use the App. If there is any conflict between these Terms and the Platform Terms, these Terms will apply over and above the Platform Terms.
You must be at least 17 years of age to download the App.
We grant you a non-exclusive, non-transferable, revocable licence to use the App for your personal and non-commercial use. You must only use the App on an Apple or Android device (“Device”) as permitted by the applicable Platform Terms and These Terms.
Your agreement with your mobile network provider will also apply. You accept responsibility for any data usage or other third-party charges while using the App. If you are not the bill payer for the Device being used to access the App, we assume that you have received permission to use the App from the bill payer.
You need to make sure that anyone else using the App on your Device is aware of these Terms. All other rights are reserved by us and our licensors.
Protect Underwriting reserves the right to monitor, refuse to post, delete, retain, or disclose any information recorded on or entered into Protect Underwriting online systems for the compliance to applicable laws, regulations, legal processes and proceedings or at the request of any regulatory and/or statutory authority.
In using the Sites or the App you agree to be bound by our privacy policy, which forms part of these terms of use. Any personal information (including sensitive information) you provide through using the Service will be dealt with in accordance with our privacy policy.
As with many other internet sites, Protect Underwriting online services use cookies to improve your experience when using these services. Cookies are small data files that are transferred to and stored by your computer the first time you access our websites and used to improve the performance when returning to Protect Underwriting online services. Cookies tell us when you visit our websites, which pages you visit and the information they / you download. They also remember your details and preferences so you can easily continue your browsing session when you return to one of our websites.
Cookies may also be used by Protect Underwriting to assist in understanding how customers, like yourself, use these services. This information is then used to improve and enhance our online offerings. The use of cookies does not impact the performance of your device or alter the functionality of Protect Underwriting online services.
If you do not wish to activate cookies, you can opt-out of receiving them by amending the settings of your Internet browser, however you may find that some parts of our websites will have limited functionality and personalisation if you do so.
Where you submit any materials, such as text or images, through any social media account or site operated by Protect Underwriting, you grant Protect Underwriting, its related bodies corporate, intermediaries and agents, a non-exclusive, irrevocable, royalty-free license to use, reproduce, modify, publish, adapt, and/or display those materials for any purpose.
Protect Underwriting reserves the right to select, amend, alter, edit, delete, or remove any materials to be published on the Protect Underwriting websites at any time with or without any attribution to you. Where you submit any materials, you warrant that the materials are your own work and any intellectual property rights that subsist in the works are your own and are able to be published.
All trademarks, names and logos, whether in the Protect Underwriting online services or otherwise, are the property of Protect Underwriting or its third-party licensor. The content contained within Protect Underwriting online services are subject to Australian copyright laws as well as any international treaties which may apply.
The content within Protect Underwriting online services are provided for personal reference only and may be cached on your computer. If a hard copy or extract is made, this must include any proprietary or copyright notices and is only permitted for your personal use.
The commercial or public use of Protect Underwriting online services is not permitted without our express permission. Any content, inclusive of logos, trademarks, names or any other intellectual property, belonging to Protect Underwriting may not be used for commercial or trade purposes without the express permission in writing from Protect Underwriting, or permitted under the Copyright Act 1968 (Cth) or other applicable laws.
Any information provided on Protect Underwriting online services, including Protect Underwriting products, is of a general nature only and does not take into account any personal situation, objectives, or needs that you as the consumer of these financial products may have. At no time do Protect Underwriting online services purport or make representations that may be construed to provide you with any financial product advice.
Whilst Protect Underwriting takes every reasonable care to ensure the accuracy of Protect Underwriting online services and the information contained therein, it takes no responsibility for any loss, expense, or liability which may be incurred in your use of Protect Underwriting online services or reliance on the information contained within.
Protect Underwriting understands that Protect Underwriting online services may be accessed across by anyone, anywhere in the world, however Protect Underwriting products are only offered for sale within Australia.
You can purchase a range of products through the Protect Underwriting online services by selecting a product and entering in the relevant details necessary to enable us to provide you an accurate quotation. These questions will assist us in understanding if you are eligible for the product you have selected.
You are required to provide information accurately, honestly and completely. Misrepresenting information needed for the generation of a quote may be a breach of the policy Terms and Conditions and may result in your policy being cancelled or your claim being denied.
You indemnify Protect Underwriting against any loss or damage or incur any costs, however they may be caused, in connection with any breach in these Terms and Conditions or any other legal obligation by your conduct and/or use of Protect Underwriting online services.
Protect Underwriting, its directors, employees, suppliers, agents, related bodies corporate, or contracted third parties are not liable for any loss or damage whatsoever resulting from the use or inability of use of Protect Underwriting online services, unauthorised access of this or any third-party links or content, any unauthorised access of your details through the Protect Underwriting online services or otherwise, or any statements made on Protect Underwriting online services by Protect Underwriting or a user of Protect Underwriting online services.
Protect Underwriting reserves the right to terminate, without notice, your access to Protect Underwriting online services at any time. Any breaches of the Terms and Conditions will result in automatic termination of access.
Protect Underwriting cannot provide any guarantees as to the availability of Protect Underwriting online services. Any transactions undertaken on Protect Underwriting online services are conducted on a secure internet connection, however no guarantees or warranties are provided that they are free from viruses or available at all times.
Any disputes arising from your acceptance of these Terms and Conditions and the Terms and Conditions for any Protect Underwriting product are dealt with in accordance with the laws in force in New South Wales, Australia and you submit to the non-exclusive jurisdiction of the courts of New South Wales.
Pricing: Unless noted specifically on Protect Underwriting online services, all prices are in Australian dollars and are only valid and effective in Australia. Prices noted on Protect Underwriting online services are subject to change without notice.
Age Limits: Any user under the age of 18 will require the consent of a parent or guardian before entering any details for themselves or their family. If you attempt to undertake a transaction on Protect Underwriting online services, you warrant that you are 18 years or older or have parental consent.
Consumer Law: Any rights and remedies available to you in terms of the Australian Competition and Consumer Act 2010 (Cth) cannot be excluded, restricted, or modified. Otherwise, Protect Underwriting excludes all conditions and/or warranties that may be implied by law.
Taxes: Unless stated in writing at the time of purchase, all fees and charges for Protect Underwriting products are inclusive of Goods and Services Tax (GST) imposed under Australian law.
Severability: Should any provision within these terms and conditions be deemed to be unenforceable or invalid by a court of law, the invalid terms shall be severed and shall not affect the remaining Terms and Conditions, which will remain in full force and effect.
Waiver: You may not rely on any words or conduct or any delay or failure of Protect Underwriting to enforce or exercise their right in these Terms and Conditions as representing a waiver of Protect Underwriting’s right to enforce that right unless that waiver is in writing.
