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Terms

Terms and Conditions

This website is a general information service owned and operated by Insurance Watch Pty Ltd (ABN 33 007 207 650).img-website-terms

General Advice Warning: The information on this website is of a general nature only. It does not take into account your personal objectives, needs or financial situation. Therefore you should consider your particular needs and requirements before acting on any information on this website.

For life insurance products Insurance Watch is an authorised representative (no. 301423) of Synchron (ABN 33 007 207 650), Australian Financial Licence No. 243313. Insurance Watch is authorised to arrange the purchase of and provide general and personal advice regarding life insurance products. Please refer to our Life Insurance Financial Services Guide for information regarding what services we provide, how we are paid by the insurance companies for the services we provide and your rights of complaint. You will be provided with a Product Disclosure Statement before you purchase any life insurance product. The Synchron/Insurance Watch Privacy Policy applies to information collected for life insurance purposes.

Your access to this Website is subject to the terms and conditions set out in this notice, Financial Services Guides, Privacy Policies, notices, disclaimers and any other terms and conditions or other statements contained on this Website (referred to collectively as “the Terms and Conditions”). By using this Website you agree to be subject to the Terms and Conditions.

This Website is for the use of consumers in Australia only. Use by financial intermediaries is expressly prohibited. References to currency are in Australian dollars.

The information on this Website has been prepared solely for the purpose of general information. It has been prepared without taking into account your particular insurance objectives, financial situation and needs. Insurance policies vary greatly in benefits and features. You should conduct your own analysis and investigation and should not act on information on this Website without considering its appropriateness to your personal objectives, financial situation and needs. You should seek financial advice specific to your situation from an AFSL Authorised Representative or other accounting, legal or tax professional as appropriate. Before making a decision to purchase a policy you should obtain and read the Product Disclosure Statement (PDS).

The information provided on this Website is given in good faith and has been obtained from published information and other sources believed to be reliable at the time of preparation. Premiums are provided for illustration only, and are not an offer of insurance. Premiums are based on information provided from the insurance companies which change regularly and are subject to underwriting. Whilst due care and diligence has been taken in providing this information, Insurance Watch does not make any representation or warranty as to the accuracy or completeness of this information and no responsibility whatsoever can be accepted for any omissions or errors. Insurance Watch expressly disclaims all liability for any loss or damage of whatsoever kind (whether foreseeable or not) which may arise from any person acting on any statements contained in this information notwithstanding any negligence, default or lack of care.

When you submit a request for quotes or advice you will be allocated a Username and Password so as to access your account and control access to your personal information. These are unique identifiers and it is a condition of their use that you keep them confidential and secure at all times and do not disclose them to another person. You understand that Insurance Watch will use the email address you supply to email a copy of your sign in details, free insurance guides, newsletters and offers from time to time (from which you can unsubscribe from at any time). Your date of birth may be used to confirm your identity for security purposes for example when you are making telephone enquiries or making changes to your account details such as unsubscribing from newsletters.

While the Insurance Watch Website operates in a secure environment and Insurance Watch regularly updates its virus protection software, it cannot ensure against malicious virus attacks against this Website. It is your responsibility to ensure that all downloads made from our site and emails received in your system are scanned for viruses.

While we take all reasonable care to protect your personal information, including firewalls and data encryption, we cannot guarantee that data sent and received over the Internet is 100% secure. Sending and receiving information over the Insurance Watch Website is therefore at the user’s own risk.

This Website may have links to other external websites. Insurance Watch is not responsible for the content of those websites and the inclusion of a link does not imply approval or endorsement of these websites. These websites are not subject to our privacy standards, policies and procedures.

Copyright in this Website is owned by Insurance Watch Pty Ltd. You are entitled to use the information in this Website for your personal reference only. Except as permitted by the Copyright Act 1968 (Cth) or other applicable laws, you must not reproduce, adapt, upload, download, link to, frame, perform in public, transmit or distribute any content from this Website or any part of it (in whatever form or by whatever process) unless you have obtained Insurance Watch’s prior written approval. Use of this information by financial intermediaries or insurance companies is specifically prohibited. Insurance Watch will not be responsible for any loss or damage arising from any of the above acts which are not authorised by Insurance Watch, nor will it be responsible for any content of other sites which are accessed via this Website.

These Terms and Conditions can be modified at any time by Insurance Watch and you agree to continue to be bound by these Terms and Conditions as modified. The revised Terms and Conditions will be published on this Website and not otherwise notified to you separately.

Our contact details are available at: www.insurancewatch.com.au