Terms of Use for the Travel Insurance Partners Website
Agreement between User & Travel Insurance Partners
By accessing or using this site you indicate your consent and agreement to these Terms of Use (“Terms”) and the Privacy Policy. If you do not agree to the Terms or Privacy Policy in whole or in part you must not use this website.
This website (http://travelinsurancepartners.com.au/) is comprised of information, data, graphic, sounds and images (Content) and is owned and operated by Travel Insurance Partners (ABN 73 144 049 230, AFSL 360138) (“Travel Insurance Partners”). Travel Insurance Partners travel insurance is issued and underwritten by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507).
General Information
INFORMATION ABOUT FINANCIAL PRODUCTS
The Content on the Website is intended for use by Australian citizens and permanent residents seeking travel insurance for travel domestically and internationally from Australia.
It is not intended to be a complete description of all terms, exclusions and conditions applicable to Travel Insurance Partners’s products and services. The Content and the Website itself does not constitute an offer or an intention to enter into a legally binding contract with any user, except where a user obtains a quote, answers the questions relating to the insurance and purchases the policy online. This facility is only available using the quoting engine and the insurance cover commences on the date and at the time shown in the written confirmation supplied by Travel Insurance Partners to the user.
Except where specified, the Content does not form part of the terms and conditions of an insurance policy, the Product Disclosure Statement or any subsequent insurance contract which is entered into between Travel Insurance Partners and a user.
CURRENCY
The currency of transactions on this Site is in Australian Dollars (AUD) only.
POLICY DELIVERY
Method of delivery – After receiving payment you will be emailed a Certificate of Insurance and a copy of the Product Disclosure Statement. For a hard copy of your insurance certificate, please contact us on 1300 728 012. The policy will be valid for the period you have chosen as stated on the Certificate of Insurance.
Privacy
PERSONAL INFORMATION PROVIDED FOR QUOTES
By requesting a quote for travel insurance and/or providing information to Travel Insurance Partners about your personal details, health and medical conditions and those of your spouse or dependents, you are granting Travel Insurance Partners and its affiliated companies permission to use the information you supply in connection with the supply of an insurance product (subject to the Travel Insurance Partners Privacy Policy).
Travel Insurance Partners adheres to the Privacy Act 1988 (Cth). Travel Insurance Partners’ Privacy Policy is available for review.
RISKS OF SUPPLYING PERSONAL INFORMATION
If you supply Travel Insurance Partners with any personal information via the Website using an email or an online notification facility (for example our quote engine) Travel Insurance Partners Travel Insurance takes reasonable measures to ensure that the information is submitted and stored securely.
NO RESPONSIBILITY FOR BREACHES OF CONFIDENTIALITY/PRIVACY
Travel Insurance Partners takes reasonable steps to secure certain areas of its Website (including password protected webpages) but it cannot guarantee absolute confidentiality of personal information supplied by a user through the Website. Travel Insurance Partners takes no legal responsibility for unauthorised access to a user’s information which may be gained by third parties via the Website. If you are concerned about the security of your personal information, please contact Travel Insurance Partners to discuss alternative methods for providing the information.
Conditions of use/access
NO UNLAWFUL OR PROHIBITED USE
Users warrant to Travel Insurance Partners that they will not use the Website for any purpose that is unlawful or prohibited by law or these terms, conditions, and notices.
Users may not use the Website in any manner which could damage, disable, overburden, or impair it or interfere with any other user’s use and enjoyment of the Website. Users may not obtain access or attempt to obtain access to any Content through any means not intentionally made available or provided for through the Website (for example, reverse engineering, hacking, deliberately and maliciously vandalising the Website are prohibited).
LINKS TO OTHER SITES
The Website may contain links to other websites or webpages (Linked Sites). Travel Insurance Partners is providing access to Linked Sites for your convenience only, and the inclusion of any Linked Site on the Website does not imply endorsement by Travel Insurance Partners of the site or any association with its operators. The Linked Sites are not under the control of Travel Insurance Partners.
EMAILS SENT VIA THE WEBSITE
If a user sends an email via the Website, the email will be deemed to be received by Travel Insurance Partners when the email is received by Travel Insurance Partners in its electronic mailbox and able to be opened in readable form. Proof of sending an email will be established by production of an electronic or paper record showing the date and time that the email message entered the information system of Travel Insurance Partners. If a message is urgent, always call Travel Insurance Partners on the phone number listed on our website at http://travelinsurancepartners.com.au/ to check whether your email has been received.
INTEGRITY OF THE WEBSITE
Travel Insurance Partners takes reasonable steps to maintain the integrity of the Content on the Website, but cannot guarantee or assure users as to the currency, reliability or accuracy of Content. It is possible that the Website and the Content could include errors, inaccuracies, or outdated information. Due to the nature of the ‘world wide web’, unauthorised use, additions, deletions, and alterations could be made to the Website and the Content by third parties (due to events beyond the control of Travel Insurance Partners).
If you discover an error or have reason to believe that unauthorised access or ’hacking’ of the Website has occurred, please inform us so Travel Insurance Partners can take steps to correct errors or respond to the unauthorised content.
CHANGES TO THE WEBSITE/CONTINUED ACCESSIBILITY
Travel Insurance Partners may make changes to the Website and the Content from time to time and makes no assurances or guarantees as to the accessibility of the Website at any time (including webpages and Content on the Website). Travel Insurance Partners has no obligation to provide access to the Website, the Content or particular webpages. It may “take down” or “remove” any Content, webpages or the entire Website at its absolute discretion. Travel Insurance Partners makes no guarantee or assurance about the continued accessibility of the Website or that access will be free of interruption.
SUITABILITY FOR PURPOSE
Travel Insurance Partners make no representations about the suitability, reliability, availability, timeliness, and accuracy of the Website and the Content contained on the Website for any purpose.
PROTECTING YOUR COMPUTER SYSTEMS
Users must take their own precautions to ensure that their hardware and software is free of viruses and that Content downloaded from this Website is free from viruses and other unwanted applications (such as ‘worms’ or ‘trojan horses’) that may interfere with or damage the operation of their computer systems.
COPYRIGHT, TRADEMARKS & OTHER INTELLECTUAL PROPERTY
The Content and the Website are protected by copyright and may be viewed and used for personal or educational purposes only. Except as provided by the Copyright Act 1968 (Cth), any other applicable laws or where such use is limited to personal or educational use no part of this Website or the Content may be copied, reproduced, adapted or transmitted for any other purpose in any form by any process without the written permission of Travel Insurance Partners Travel Insurance (including but not limited to business or commercial uses, market research, comparative, ‘shadow shopping’ or pricing studies).
All trademarks, domain names, service marks, trade names, logos and icons are owned by or licensed to Travel Insurance Partners and/or its related companies. Nothing contained in this Website shall be construed as granting, by implication, estoppel, or otherwise any licence or right to use any trademark, domain names, service marks, trade names, logos and icons displayed on this Website without written permission of Travel Insurance Partners or such third party which may own the trademarks, domain names, service marks, trade names, logos and icons displayed on this Website.
LIABILITY AND DISCLAIMERS
The Website and all such Content is provided “as is” without warranty or condition of any kind.
To the maximum extent permitted by law, Travel Insurance Partners disclaims:
- All warranties and conditions with regard to Website and the Content, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title and non-infringement, accessibility, reliability, currency and accuracy.
- Any and all responsibility for loss, damage, liability, cost or expenses incurred by a user arising out of or in any way connected with the use or performance of the Website or as a result of any error, omission or misrepresentation made on or in relation to this Website (including the Content). If a user is dissatisfied with the Website, the Content or any of the Content is unreliable, no longer current or inaccurate, the sole and exclusive remedy is for the user to discontinue using the Website.
- Any and all responsibility for loss, damage, liability, cost or expenses incurred by a user if any interference with, or damage to, their computer systems occurs when using the Website or arising from use of the Website.
- Any and all responsibility for the contents of any Linked Site, including any link contained in a Linked Site, or any changes or updates to a Linked Site. Travel Insurance Partners is not responsible for webcasting or any other form of transmission received from any Linked Site.
COMMUNICATION WITH USERS
Travel Insurance Partners reserves the right to communicate with you regarding this Website and your use of this site or any product or service purchased by you on this Website.
MODIFICATIONS OF THESE TERMS OF USE
Travel Insurance Partners reserves the right to change the terms of use under which the Website is offered at any time in its absolute discretion and is not obliged to send a revised copy of the terms of each user, nor is Travel Insurance Partners obliged to notify the users of such change. Users understand that it is their own responsibility to review the terms of use for the Website and apprise themselves of any changes made to such terms from time to time.
SEVERABILITY
These Terms of Use constitute the entire agreement between Travel Insurance Partners and you with respect to your use of the Website. If for any reason a court of competent jurisdiction finds any provision of these Terms or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of these Terms, and the remainder of these Terms shall continue in full force and effect. Any cause of action you may have with respect to your use of the Site must be commenced within the period provided by any applicable statute of limitations.
APPLICABLE LAW
Any disputes relating to this website or the Content must be determined by the courts having jurisdiction in New South Wales, Australia in accordance with laws in force in New South Wales. Users irrevocably and unconditionally submit to this jurisdiction.
If you have any questions about the Terms of Use please contact us.