Introduction

This Life Insurance Comparison Website lifeinsurancecomparison.com.au is owned and operated by Advizer Pty Limited (Authorised Rep Number 459414) (LIC) which is a subsidiary and authorised representative of Compare Club Australia (CCA). The Website compares life insurance product options (Website).

The information contained in this Website has been prepared without taking into account your objectives, financial situation or particular needs and should not be taken as financial advice. All comparisons are prepared by LIC. LIC and/or any related companies will not be held responsible for the merits of this information to your circumstances.

Before acting on the information and guidance provided by LIC, you should evaluate your own individual needs, objectives and situation and which products are suitable. You must read the applicable product disclosure statement (PDS) before purchasing any product.

Acceptance of Terms

These terms govern your use of the Website. The other terms and conditions contained in the Privacy Policy and on the Website also form part of LIC’s agreement with you (Terms). Please read them carefully before proceeding. If you do not agree to these Terms, you must not use or access the Website.

If you do not wish to not to receive direct marketing communications from LIC and CCA, please do not use this Website.

Your use of and access to the Website is conditional upon your acceptance and compliance with these Terms. Your use of and access to the Website constitutes your agreement to be bound by these Terms. From time to time, LIC may change these Terms, without notice. Any subsequent use of or access to the Website by you will mean that you have accepted the changes to these Terms.

These Terms are intended to be for the benefit of each of LIC, its related bodies corporate and their respective personnel.

The pricing on this site is provided by third parties and is displayed in Australian dollars (AUD). The amounts are subject to change with price revisions and do not include any further amount that may be applied.

The Website provides an information service to obtain quotes and compare certain products and services on the basis of particular criteria you may select including brand and price. The products and services quoted and compared are not representative of all the products and services available in the market. At times, not all brands may be available.

Do Not Call Register: Consent

For the purposes of the Do Not Call Register Act 2006 (if it applies) by submitting your telephone number to the Website, you give your consent to be contacted by telephone on that number by either the Website, any of its related bodies corporate and any of its associated affiliates. Your consent will be deemed to be inferred consent and will continue until such time as you withdraw that consent.

Consent to electronic marketing

For the purposes of the Spam Act 2003 (as applicable) by submitting your email address to the Website, you give your consent to be contacted by email on that email address by LIC, any of its related bodies corporate and any of its associated affiliates. Your consent will be deemed to be express consent and will continue until such time as you withdraw that consent.

Commissions

LIC receives a commission payment from participating product providers for the services provided by LIC on this Website, only when an insurance contract is accepted by the third party insurer. LIC may also receive payment from other providers if your details have been referred to them in accordance with these Terms.

Commission payable by us

We source referrals from a broad range of sources. For example, we may pay fees to call centre companies, real estate agents, accountants, or lawyers for referring you to us. These referral fees are generally small amounts and accord with usual business practices. These are not fees payable by you. You may, on request, obtain a reasonable estimate of those commissions and how the commission is worked out.

Limitations

In no event shall LIC, CCA or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on the Website, even if LIC or an authorised representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

Jurisdiction

These Terms are governed by the laws in force in New South Wales, Australia and you irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of New South Wales, Australia and any courts which may hear appeals from those courts.

General Disclaimer Information

This site contains information, data, documents, pages and images prepared by LIC (Information) for and on behalf of the Website. Whilst the Information contained in this Website has been presented with all due care, the Website does not and LIC does not warrant or represent that the Information is free from errors or omission.

Accuracy of information

Whilst the Information is considered to be true and correct at the date of publication, changes will occur and changes in circumstances after the time of publication may impact on the accuracy of the Information, and therefore the Information should not be relied upon. The Information may change without notice and the Website is not and LIC is not in any way liable for the accuracy of any Information printed and stored or in any way interpreted and used by a user.

Links To Third-Party Sites

The Information contained in this Website includes information derived from various third parties and does not necessarily directly reflect any policies, procedures, standard or guidelines of the Website.

The Website and LIC take no responsibility for the accuracy, currency, reliability and correctness of any information included in the Information provided by third parties nor for the accuracy, currency, reliability and correctness of links or references to information sources (including internet sites) outside of this Website.

Links to other internet sites are not under the control of the Website and are provided for information only. Care has been taken in providing these links as suitable reference resources. However, due to the changing nature of the internet content, it is the responsibility of the users to make their own investigations, decisions, enquiries about the information retrieved from other internet sites.

The Website welcomes links from most websites to this Website. If you create a link, please follow these guidelines:

• The correct name for this Website is Life Insurance Comparison and the correct website address (URL) is lifeinsurancecomparison.com.au.
• Links to this Website should generally be to the home page at lifeinsurancecomparison.com.au. Linking to other sections of the website may result in broken links, as page URLs occasionally change.
• You may not reproduce, reframe or reformat the pages, images, files, information and materials from this site on any other site without the permission of CCA.
• All links to the Website should be set to open in a new browser window and not within any other frame. You must not use the link to provide, or in any way imply, endorsement by the Website, of your organisation, services or products.
• You must not copy or re-use content from this Website or attempt to pass it off as your own.
• You must not unlawfully use any of the material or content found on this Website.

We would appreciate you contacting us to let us know if you are linking to our Website.