Terms and Conditions
LifeInsuranceComparison.com.au provides a life insurance comparison service, designed to help our customers (“you”) find, review, and apply for a life insurance policy.
This website is owned and operated by Advizer Pty Ltd t/a LifeInsuranceComparison.com.au, ABN 83 168 993 333, AR Number 486326 (collectively, “LifeInsuranceComparison.com.au”, “we”, “us” or ‘our”) under the domain name lifeinsurancecomparison.com.au (“the website”).
We’d like to keep the fine print as simple as possible, so to start with please keep the following in mind:
- The information contained in this website has been prepared without taking into account your objectives, financial situation or particular needs and is General Advice only.
LifeInsuranceComparison.com.au, or any related companies will not be held responsible for the merits of this advice to your circumstances.
- We will not provide your details to any third party, other than for the purposes of assisting you to purchase life insurance through our service
- By providing your details, you agree to be contacted by a Life Insurance Specialist
Bearing this in mind, there are terms and conditions regarding your access to and use of the website.
The information, materials and services provided on the website is conditional upon your acceptance and compliance with the terms, conditions, statements, notices, policies and disclaimers contained on this website (“Terms”).
Simply this means that your continued use of the website means you accept these Terms. Therefore, if you do not wish to be bound by these Terms you should not continue to access, browse and/or use the website.
Note: LifeInsuranceComparison.com.au reserves the right to amend these Terms at any time. In such an event, we will provide notice by publishing the varied Terms on the website. You accept that by doing this, we have provided you with sufficient notice of the variation. Should the changes be extensive, written communication will be provided consisting of the changes to our terms where possible via email.
Terms and Conditions
The website and related services are intended to assist you in selecting and purchasing products and services and in some cases, to provide a link between you and a life insurance specialist and /or other expert (“Expert”).
Whilst we use all reasonable endeavours to ensure that participating providers are qualified and licensed to provide their relevant services, we cannot and do not guarantee, warrant or represent that any participating provider who offers services through this website is licensed, qualified, or able to perform the relevant services.
We recommend that you take all necessary measures and precautions before you engage or rely on any information provided by the participating provider to act on your behalf and/or seek to rely on any information provided by the provider.
We cannot and do not guarantee that the participating provider will be able to provide the services requested. Consequently, you agree and acknowledge that we may not be able to provide the service requested by you notwithstanding the submission of all required information on your part.
Timeliness of response
We are committed to providing you with a timely response. Where our service involves a life insurance adviser or any other expert (“expert”) to contact you to assist you with your enquiry, we will work to ensure that you are contacted by that expert within 2 business days from the time an on-line request is submitted on the website (“response time”). Notwithstanding this, we cannot and do not guarantee the response time of any or all of our life insurance specialists.
If you are not contacted within the response time, please let us know: firstname.lastname@example.org
How We Get Paid
LifeInsuranceComparison.com.au may receive commissions paid by a third party such as an insurer. These will vary according to your circumstances, but will generally be an amount up to 120% of the initial annual premium as an initial commission and up to 15% of the ongoing annual premium as a trailing commission. (For example, if the annual premium is $1,000, LifeInsuranceComparison.com.au may receive $1,200 in the first year and then $150 each year thereafter. The fees in the initial and subsequent years will be shown in your statement of advice. Individual advisers of LifeInsuranceComparison.com.au are salaried employees and do not receive any commissions.
Intellectual Property Rights
The information on this site is protected by copyright. Permission is granted to use the information on this web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not: modify or copy the materials; use the materials for any commercial purpose, or for any public display (commercial or non-commercial); attempt to decompile or reverse engineer any software contained on this web site; remove any copyright or other proprietary notations from the materials; or transfer the materials to another person or “mirror” the materials on any other server.
This license shall automatically terminate if you violate any of these restrictions and may be terminated by LifeInsuranceComparison at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
Third party website links
The website may contain links and pointers to other websites operated by third parties. Such links and pointers are provided for your information and convenience only. We make no representations about the accuracy or suitability of the information or links which may be provided on the website. LifeInsuranceComparison.com.au does not control these third party websites and cannot be responsible for the content or accuracy of the information or other material contained on these websites.
Unless otherwise expressly stated on the website, the provision of a link to an external website does not constitute an endorsement or approval of that website, its operator and/or any products or services offered on or through that website.
It is strongly recommended that you seek independent expert advice if you have any concerns regarding what services, products or solutions may be suitable for you.
Before using other websites, we strongly recommend you examine the terms and conditions governing the use of those websites as they may differ from LifeInsuranceComparison.com.au. Similarly, before disclosing your personal information on any other website, we advise you to examine the privacy policies of those websites.
You agree that by accessing any third party linked website you do so at entirely at your own risk. LifeInsuranceComparison.com.au will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with, use or reliance on any goods or services available on or through any third party website.
Hyperlinks to LifeInsuranceComparison.com.au are only permitted where prior written consent has been obtained.
Right to modification and change
We reserve the right to amend, modify, delete and make changes and corrections to any part of the website at any time without notice.
LifeInsuranceComparison.com.au does not guarantee continued availability of any particular product or service advertised or referred to on the website.
Information does not represent professional advice
The information and material provided on or through the website is provided as general information only and should not be regarded as a substitute for professional legal or financial advice. Prior to entering into a transaction or taking any particular course of action in connection with the information you receive from the website, you should make your own inquiries and seek independent advice tailored to your specific circumstances and objectives.
No Guarantees as to the Service
The website may contain downloadable materials and links to external websites. LifeInsuranceComparison.com.au is not responsible for, and has no control over, the content of downloadable materials or external websites. You understand that we cannot and do not guarantee, warrant or represent that a file or software of any kind, or from any source, available for downloading through the website, will be free of infection or viruses, worms, Trojan horses or other code or defects that manifest contaminating or destructive properties.
Disclaimer and Limitation of Liability
The reports and statistical data provided by this website service (collectively “the information”) are derived from third party data collection companies and from information provided to us by financial institutions. LifeInsuranceComparison.com.au does not warrant the accuracy of the information and does not accept liability for reliance on such information. In addition, we do not accept liability for the acts or omissions of others including but not limited to, those who provide the data and statistical information used to compile the information.
Certain rights and remedies may be available under the Trade Practices Act 1974 or similar legislation of other States or Territories and may not be permitted to be excluded, restricted or modified. Apart from those that cannot be excluded, LifeInsuranceComparison.com.au and its related entities exclude all conditions and warranties that may be implied by law. To the extent permitted by law, our liability for breach of any implied warranty or condition that cannot be excluded is restricted, at our option to: the re-supply of services or payment of the cost of re-supply of services; or the replacement or repair of goods or payment of the cost of replacement or repair.
When using the World Wide Web, the Internet or third party networks or facilities, you are using networks, facilities and services that are beyond our control.
You assume all risk and liability of your use of the World Wide Web, the Internet or any such third party networks, including any access to the website via such media.
The use of the website is governed by, construed and enforced in accordance with the laws of NSW, Australia and you irrevocably submit to the non-exclusive jurisdiction of the courts of NSW, Australia and their respective courts of appeal in that regard.
The website may be accessed throughout Australia and overseas. LifeInsuranceComparison.com.au makes no representations that the content of the website complies with the laws (including intellectual property laws) of any country outside Australia. If you access this website from outside Australia, you do so at your own risk and are responsible for complying with the laws in the place where you access the website.
If any part of these Terms is held invalid, illegal or unenforceable, that part shall be severed and the remainder will continue to be valid and enforceable.
Reservation of rights
Any rights not expressly granted to you herein are reserved by LifeInsuranceComparison.com.au.
LifeInsuranceComparison.com.au collects Personal Information where the information is completely necessary for us to assist you with your quote or purchase through our service. In this context, “collect” means gather, acquire or obtain by any means, information in circumstances where the individual is identifiable or identified.
The website and related services are intended to assist you in selecting and purchasing products and services and in some cases, to provide a link between you and a life insurance specialist and /or other expert (“Expert”). The information and material provided on or through the website is provided as general information only and should not be regarded as a substitute for professional legal or financial advice. Prior to entering into a transaction or taking any particular course of action in connection with the information you receive from the website, you should make your own inquiries and seek independent advice tailored to your specific circumstances and objectives.
LifeInsuranceComparison.com.au also collects and uses Personal Information for secondary purposes including:
- Provision of products and services;
- Business planning and service development.
LifeInsuranceComparison.com.au will notify individuals (including, but not limited to, our customers) of the matters listed below at the time of collecting any Personal Information
We may collect the following types of information:
Information you provide – When you apply for a product or service with LifeInsuranceComparison.com.au, we ask you for personal and sensitive information. We may combine the information you submit under your account with information from other LifeInsuranceComparison.com.au services or third parties in order to provide you with a better experience and to improve the quality of our services.
Log information – When you access LifeInsuranceComparison.com.au services via a browser, application or other client our servers may automatically record certain information. These server logs may include information such as your web request, your interaction with a service, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser.
User communications – When you send email or other communications, such as via Twitter, Facebook, LinkedIn etc. to LifeInsuranceComparison.com.au we may retain those communications in order to process your inquiries, respond to your requests and improve our services. We may use your email address to communicate with you about our services.
In addition to the above, we may use the information we collect to:
- Provide, maintain, protect, improve our services (including advertising services) and develop new services
- Protect the rights or property of LifeInsuranceComparison.com.au or our users.
If we use this information in a manner different than the purpose for which it was collected, then we will ask for your consent prior to such use.
LifeInsuranceComparison.com.au processes personal information on servers in Australia and in other countries. In some cases, we process personal information outside Australia.
If LifeInsuranceComparison.com.au relies on the Direct Marketing exception to Direct Market to individuals it will ensure that Individuals are clearly notified of their right to Opt Out from further Direct Marketing; and If the individual Opts Out of all Direct Marketing the Opt Out will be respected by LifeInsuranceComparison.com.au and implemented free of charge.
LifeInsuranceComparison.com.au will not use Sensitive Information for Direct Marketing without having received your expressed consent through either providing you a service that you have requested, AND/OR your acknowledgement of our desire to use sensitive information for direct marketing. LifeInsuranceComparison.com.au may use Personal Information to avoid an imminent threat to a person’s life or to public safety. It may also use Personal Information for reasons related to law enforcement or internal investigations into unlawful activities.
LifeInsuranceComparison.com.au will not use Personal Information without taking reasonable steps to ensure that the information is accurate, complete and up to date.
LifeInsuranceComparison.com.au may disclose your Personal Information. We will disclose your personal information to an official third party partner who will use your personal information for the purpose of providing you with a policy when purchasing through our service. Unrelated third parties will never be provided your personal information by LifeInsuranceComparison.com.au without explicit consent provided by the individual prior to disclosing your personal information. LifeInsuranceComparison.com.au will take reasonable steps to ensure that its contracts with third parties include requirements for third parties to comply with the Use and Disclosure requirements of the Privacy Act and will not be held accountable for the distribution of your personal details after reasonable steps have been taken. In the rare event that LifeInsuranceComparison.com.au is required to disclose Personal Information to law enforcement agencies, government agencies or external advisers LifeInsuranceComparison.com.au will only do so in accordance with the Privacy Act or any other relevant Australian legislation.
If a Disclosure is not for a Primary Purpose; is not for a related Secondary Purpose; or upfront consent has not been obtained, LifeInsuranceComparison.com.au will not Disclose Personal Information with the exceptional circumstances that cannot be controlled by LifeInsuranceComparison.com.au stated above.
LifeInsuranceComparison.com.au does not generally share its customer lists on a commercial basis with third parties but if it did, it would only do so if we had the appropriate consent of the individual involved.
4. Information Quality and Sharing
LifeInsuranceComparison.com.au will review, on a regular and ongoing basis, its collection and storage practices to ascertain how improvements to accuracy can be achieved. LifeInsuranceComparison.com.au will take steps to destroy or de-identify Personal Information after as short a time as possible and after a maximum of seven years, unless the law requires otherwise.
LifeInsuranceComparison.com.au only shares personal information with other companies or individuals outside of LifeInsuranceComparison.com.au in the following limited circumstances:
We have your consent. We require opt-in consent for the sharing of any sensitive personal information.
When you complete an application for the product or service of a company through LifeInsuranceComparison.com.au, we assume your implied consent to share the specific elements of your personal information required to fulfill your application with the company providing the product or service you are applying for.
We have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce applicable Terms of Service, including investigation of potential violations thereof, (c) detect, prevent, or otherwise address fraud, security or technical issues, or (d) protect against harm to the rights, property or safety of LifeInsuranceComparison.com.au, its users or the public as required or permitted by law.
5. Information Security
LifeInsuranceComparison.com.au requires employees and contractors to perform their duties in a manner that is consistent with LifeInsuranceComparison.com.au’s legal responsibilities in relation to privacy.
The website and related services are intended to assist you in selecting and purchasing products and services and in some cases, to provide a link between you and a Life Insurer specialist and /or qualified and/or licensed specialist and /or other expert adviser (“Expert”).
We take appropriate security measures to protect against unauthorized access to or unauthorised alteration, disclosure or destruction of data. These include appropriate encryption and physical security measures to guard against unauthorised access to systems where personal data is stored.
We restrict access to personal information to LifeInsuranceComparison.com.au employees, contractors and agents who need to know that information in order to process it on our behalf. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution, if they fail to meet these obligations.
The participating providers are not employed by us. We do not sponsor, endorse, recommend or approve any provider, who offers services through the website. All premium quotes provided on the website are subject to variation by the service provider and should therefore be considered indicative quotes which are subject to change and confirmation by the service provider at the time of purchase.
When using the World Wide Web, the Internet or third party networks or facilities, you are using networks, facilities and services that are beyond our control.
6. Access and Correction
When you use LifeInsuranceComparison.com.au services, we make good faith efforts to provide you with access to your personal information and either to correct this data if it is inaccurate or to delete such data at your request if it is not otherwise required to be retained by law or for legitimate business purposes. We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup tapes), or for which access is not otherwise required. In any case where we provide information access and correction, we perform this service free of charge, except if doing so would require a disproportionate effort. Because of the way we maintain certain services, after you delete your information, residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems.
Individuals wishing to lodge a request to access and/or correct their Personal Information related to their existing Life Insurance policy should do so by contacting their respective Life Insurer and not LifeInsuranceComparison.com.au, Individuals wishing to remove, modify or otherwise interact with their personal information that LifeInsuranceComparison.com.au is responsible for, you should write to the LifeInsuranceComparison.com.au Privacy Officer Lance Goodman, Suite 606a/3 Waverley Street, Bondi Junction, 2022 and request for such changes to be made and/or requests to be executed. LifeInsuranceComparison.com.au will endeavour to manage any privacy related complaint efficiently and in a timely manner.
Contact with LifeInsuranceComparison.com.au via phone or web inquiry will be the first point of contact for inquiries about privacy issues or breaches.
Any formal privacy related complaints should be directed in writing to the LifeInsuranceComparison.com.au Privacy Officer Lance Goodman, Suite 606a/3 Waverley Street, Bondi Junction, 2022 for investigation. LifeInsuranceComparison.com.au will endeavour to manage any privacy related complaint efficiently and in a timely manner.
We are committed to providing you with a timely response. Where our service involves a Life Insurance Specialist or any other expert (“expert”) to contact you to assist you with your enquiry, we will work to ensure that you are contacted by that expert within 2 business days from the time an on-line request is submitted on the website (“response time”). Notwithstanding this, we cannot and do not guarantee the response time of any or all of our life insurance specialists.
If you are not contacted within the response time, please let us know: info@LifeInsuranceComparison.com.au
9. Transferring personal information overseas
LifeInsuranceComparison.com.au generally does not send information overseas.
If Personal Information must be sent by LifeInsuranceComparison.com.au overseas for sound business reasons, LifeInsuranceComparison.com.au will require the overseas organisation receiving the information to provide a binding undertaking that it will handle that information in accordance with the National Privacy Principles, preferably as part of the services contract.
Collection Information means the information collected from individuals prior to, or as soon as practical after, the collection of their Personal Information.
Direct Marketing means the marketing of goods or services through means of communication including written, verbal or electronic means. The goods or services which are marketed may be those of LifeInsuranceComparison.com.au or a Related Body Corporate or those of an independent third party organisation.
Disclosure generally means the release of information outside LifeInsuranceComparison.com.au, including under a contract to carry out an “outsourced function”.
Health Information means Information or an opinion about:
The health or a disability (at any time) of an individual; or
- An individual’s expressed wishes about the future provision of health services to him or her; or
- A health service provided or to be provided to an individual; that is also personal information; or
- Other personal information collected to provide or in providing a health service; or
- Other personal information about an individual collected in connection with the donation; or intended donation by the individual of his or her body parts or body substances. Opt Out means an individual’s expressed request not to receive further Direct Marketing.
- LifeInsuranceComparison.com.au Personal Information means information or an opinion (including information or an opinion forming part of a database), whether true or not and whether recorded in a material form or not, about an individual whose identity is apparent, or can reasonably be ascertained from the information or opinion.
Primary Purpose is the dominant or fundamental reason for information being collected in a particular transaction.
Reasonable Expectation means a reasonable individual’s expectation that their personal information might be Used or Disclosed for the particular purpose.
Sensitive Information means:
- Information or an opinion about an Individual’s:
- Racial or ethnic origin; or
- Membership of a political association; or
- Religious beliefs or affiliations; or
- Philosophical beliefs; or
- Membership of a professional or trade association; or
- Membership of a trade union; or
- Sexual preferences or practices; or
- Criminal record; that is also personal information; or
- Health Information about an individual; or
- Use means the handling of Personal Information within LifeInsuranceComparison.com.au.