A. TERMS APPLICABLE TO ALL USERS
For users who are registered with the Website, your use of the Website shall be subject to certain designated terms (see Section B below) in addition to those terms applicable to all users.
2. Changes to Terms
The Website is directed to those individuals and entities located in Australia. It is not directed to any person or entity in any jurisdiction where (by reason of nationality, residence, citizenship or otherwise) the publication or availability of the Website and its content, including its products and services, are unavailable or otherwise contrary to local laws or regulations. If this applies to you, you are not authorised to access or use any of the information on this Website. Complete Online Insurance makes no representation that the information, opinions, advice or other content on the Website (collectively, "Content") is appropriate or that its products and services are available outside Australia. Those who choose to access this Website from other locations do so at their own risk and are responsible for compliance with applicable local laws.
4. Scope of Use and User E-Mail
You are only authorised to view, use, copy for your records and download small portions of the Content (including without limitation text, graphics, software, audio and video files and photos) of this Website for your informational, non-commercial use, provided that you leave all the copyright notices, including copyright management information, or other proprietary notices intact.
You may not store, modify, reproduce, transmit, reverse engineer or distribute a significant portion of the Content on this Website, or the design or layout of the Website or individual sections of it, in any form or media. The systematic retrieval of data from the Website is also prohibited.
The commercial use, reproduction, transmission or distribution of any information, software or other material available through the Website without the prior written consent of Complete Online Insurance is strictly prohibited.
5. Copyrights and Trademarks
The materials at this Site, as well as the organisation and layout of this Site, are copyrighted and are protected by Australian and international copyright laws and treaty provisions. You may access, download and print materials on this Website solely for your personal and non-commercial use; however, any print out of this Site, or portions of the Site, must include Complete Online Insurance’s copyright notice. No right, title or interest in any of the materials contained on this Site is transferred to you as a result of accessing, downloading or printing such materials. You may not copy, modify, distribute, transmit, display, reproduce, publish, license any part of this Site; create derivative works from, link to or frame in another website, use on any other website, transfer or sell any information obtained from this Site without the prior written permission of Complete Online Insurance.
Except as expressly provided under the "Scope of Use" Section above, you may not use, reproduce, modify, transmit, distribute, or publicly display or operate this Website without the prior written permission of Complete Online Insurance. You may not use a part of this Website on any other Website, without Complete Online Insurance’s prior written consent.
Complete Online Insurance respects the intellectual property rights of others and expects our Users to do the same. The policy of Complete Online Insurance is to terminate the accounts of repeat copyright offenders and other users who infringe upon the intellectual property rights of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please contact us at firstname.lastname@example.org.
You may not link to this Website without Complete Online Insurance’s written permission. If you are interested in linking to this Website, please contact email@example.com.
7. No Unlawful or Prohibited Use
As a condition of your use of the Website, you warrant to Complete Online Insurance that you will not use the Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Website in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.
Gathering email addresses from Complete Online Insurance through harvesting or automated means is prohibited. Posting or transmitting unauthorised or unsolicited advertising, promotional materials, or any other forms of solicitation to other Users is prohibited. Inquiries regarding a commercial relationship with Complete Online Insurance should be directed to: firstname.lastname@example.org .
9. No Warranties
The Website, and any content, are provided to you on an “as is”, “as available” basis without warranty of any kind whether express, statutory or implied, including but not limited to any implied warranties of merchantability, fitness for a particular purpose, quiet enjoyment, systems integration, accuracy, and non-infringement, all of which Complete Online Insurance expressly disclaims. Complete Online Insurance does not endorse and makes no warranty as to the accuracy, completeness, currency, or reliability of the content, and Complete Online Insurance will not be liable or otherwise responsible for any failure or delay in updating the Website or any content. We have no duty to update the content of the Website. Complete Online Insurance makes no representations or warranties that use of the content will be uninterrupted or error-free. You are responsible for any results or other consequences of accessing the Website and using the content, and for taking all necessary precautions to ensure that any content you may access, download or otherwise obtain is free of viruses or any other harmful components. This warranty disclaimer may be different in connection with specific products and services offered by Complete Online Insurance.
10. Governing Law, Location and Miscellaneous
11. Separate Agreements
12. Australian Resident
You represent that you are a resident of Australia.
13. No Professional Advice
The information available on the Website is intended to be a general information resource regarding the matters covered, and is not tailored to your specific circumstance. You should not construe this as legal, accounting or other professional advice. This Website is not intended for use by minors. YOU SHOULD EVALUATE ALL INFORMATION, OPINIONS AND ADVICE AVAILABLE ON THIS WEBSITE IN CONSULTATION WITH YOUR INSURANCE SPECIALIST, OR WITH YOUR LEGAL, TAX, FINANCIAL OR OTHER ADVISOR, AS APPROPRIATE.
All information relating to or disclosed by any party in connection with the arbitration of any disputes hereunder shall be treated by the parties, their representatives, and the arbitrator as proprietary business information. Such information shall not be disclosed by any party or their respective representatives without the prior written authorisation of the party furnishing such information. Such information shall not be disclosed by the arbitrator without the prior written authorisation of all parties. Each party shall bear the burden of its own counsel fees incurred in connection with any arbitration proceedings.
Judgment upon the award returned by the arbitrator may be entered in any court having jurisdiction over the parties or their assets or application of enforcement, as the case may be. Any award by the arbitrator shall be the sole and exclusive remedy of the parties. The parties hereby waive all rights to judicial review of the arbitrator's decision and any award contained therein.
15. Limitation of Liability
Your use of the content is at your own risk. Complete Online Insurance specifically disclaims any liability, whether based in contract, tort, negligence, strict liability or otherwise, for any direct, indirect, incidental, punitive, consequential, or special damages arising out of or in any way connected with access to, use of or reliance on the content (even if Complete Online Insurance has been advised of the possibility of such damages) or that arise in connection with mistakes or omissions in, or delays in transmission of, information to or from the user, any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission or delivery, computer virus, communication line failure, theft or destruction or unauthorised access to, alteration of, or use of records, programs or files, interruptions in telecommunications connections to the Website or viruses, whether caused in whole or in party by negligence, acts of god, telecommunications failure, theft or destruction of, or unauthorised access to the website or the content. This limitation of liability may be different in connection with specific products and services offered by Complete Online Insurance. Some jurisdictions do not allow the limitation of liability, so this limitation may not apply to you.
B. ADDITIONAL TERMS APPLICABLE ONLY TO REGISTERED USERS
17. Accounts and Security
Complete Online Insurance does not warrant that the functions contained in the service provided by the Website will be uninterrupted or error-free, that defects will be corrected or that this service or the server that makes it available will be free of viruses or other harmful components.
You may not:
(a) select or use an Email of another person with the intent to impersonate that person;
(b) use a name subject to the rights of any other person without authorisation;
(c) use an Email that the Website, in its sole discretion, deems inappropriate or offensive.
You shall notify Complete Online Insurance of any known or suspected unauthorised use(s) of your Account, or any known or suspected breach of security, including loss, theft, or unauthorised disclosure of your password. You shall be responsible for maintaining the confidentiality of your password.
Any fraudulent, abusive, or otherwise illegal activity may be grounds for termination of your Account, at Complete Online Insurance’s sole discretion, and you may be reported to appropriate law-enforcement agencies.
18. Buying Online
The Website enables you to purchase the insurance products Complete Online Insurance offers online. To create a valid insurance policy with us, there is a simple two-step process:
Step 1: The Website will create a quote for the insurance product you have selected based upon the information you have entered and provided to us. You can exit our website and save your quote information at any time. Your quote will be securely stored within our database for a period of at least thirty (30) days.
An email will be sent to you with a link to access the quote via the Website. For security purposes you will be requested to login and enter your email address and password. We suggest that you retain your password in a secure environment and do not share it with anyone else.
Step 2: If you wish to purchase the insurance product in accordance with the quote provided by us, simply check all the information is correct, agree to the assumptions and declaration to proposal and select ‘buy now’ on the Website. You will be requested to enter your payment details and after the payment has been authorised, the Website will provide the Policy Schedule, Certificate of Currency and Policy Wording.
The insurance policy has been entered into by you by the process of
Complete Online Insurance is under no obligation to determine the authenticity or investigate whether authority has been provided for persons using the Website. We may act on and process all completed confirmations without further consent or reference to you.