About our WebsiteThank you for visiting this website. This website is owned and operated by iSelect General Pty Ltd ABN 90 131 798 126, AFSL 334115 (‘iSelect’ 'us' 'our' or 'we'). 'You' means the users of this public website.
We welcome you to our site and we want to make it as user friendly as possible. By using the website you acknowledge and agree to these terms and conditions (Conditions of Use). We provide this website to assist you to select your insurance provider. Information provided on the website may constitute general advice, in which case we do not take into account your financial situation, objectives or needs. Before acting on our advice, you should consider whether it is appropriate, in light of these factors.
Website ContentOur website contains a range of information about our participating insurers and their insurance products. We endeavour to ensure that the information on the website is accurate. In the event you believe we have made a mistake please contact us at email@example.com The presence of an insurer on our website does not constitute an endorsement by us of the insurer, the content of the insurer’s website, or the activities promoted by the insurer.
To the extent permitted by law we do not warrant as to the accuracy, adequacy of, or completeness of, any information contained on this website and exclude liability for purchase decisions made on the basis of information included or excluded from this website.
We do not guarantee that our website will not contain any viruses and we accept no responsibility for foreign computer code that is introduced into your computer system through use of this website. We cannot guarantee that this site is free from computer viruses, hackers or other form of technical sabotage. We cannot guarantee that access to our website will be uninterrupted.
We are free to change the content of the website and any product may be withdrawn at any time, without notice.
Any limitation of liability and indemnity provisions in these terms will survive termination. Any licenses or other rights you grant to us will survive termination.
Limitation of LiabilityOur participating insurance companies provide much of the information available on the website (Website Information) and therefore there may be inaccuracies in the Website Information over which we have no control. Before making a decision to purchase an insurance policy you should consult the relevant Product Disclosure Statement (“PDS”). We do not warrant or guarantee the:
- timeliness, accuracy or completeness of the Website Information; or
- quality of the results obtained from the use of the website.
To the maximum extent permitted by law, we have no liability in relation to or arising out of the Website Information and website recommendations. You are responsible for the final choice of your insurance policy and you should take time to read through the PDS before proceeding. If you are in any doubt regarding an insurance policy or its terms you should seek further advice from iSelect or the relevant insurer before choosing your insurance policy. We do not accept any responsibility for your decision to choose an insurer or an insurance policy.
Our liability for a breach of these Conditions of Use, statutory cause of action, common law or tort (including negligence) in any way is limited as follows:
1. we will not be liable for any indirect or consequential loss or damage, notwithstanding anything else in these Conditions of Use; and
2. in respect of all other claims or liability to you for all other proven loss and damage, is limited, for an aggregate of all claims, to the amount of the commission payable to iSelect for the first year’s premium for any product you have purchased from us, or $1,000.00, whichever is a lesser amount.
iSelect may pass on your personal information to the relevant insurer if you purchase an insurance policy via iSelect, however, iSelect does not guarantee when or if you will actually become an insured person under the insurance policy that you have chosen. We do not accept any liability arising out of circumstances where there is delay in you becoming an insured person under the policy you have chosen.
To the maximum extent permitted by law, we disclaim all liability and you agree to indemnify us, our directors, employees, agents, and contractors for any loss suffered, or any costs that may be incurred arising from your breach of these terms or your use of this website.
Disclosure of Commission/Fees
iSelect receives payment of commissions as well as a marketing service fee from participating insurance companies in order to provide the services provided by us on the website. Please refer to the iSelect General Pty Ltd Financial Services Guide (FSG) for full details. You are not required to pay iSelect for the use of the website.
All policy premiums are quoted in Australian dollars. The premium amounts quoted on the website are subject to change and may also vary depending on the payment method chosen. Whilst we endeavor to keep all policy details and premiums on the website current, iSelect does not guarantee the accuracy of pricing information on the website.
Statements of the LawStatements made on the website are not intended to be statements of the law. Statements regarding the Australian insurance regime are summaries which may not be comprehensive or complete.
Other InformationOur website contains statements regarding the terms of insurance policies, including details of the benefits available and items not covered by such policies. Some of these statements are generalised in an attempt to give you a summary of the insurance policies available through iSelect. However, not all insurance policies are the same and you should confirm the exact terms of any insurance policy that you intend to purchase prior to purchasing that insurance policy. The product information supplied on the website is available only to Australian residents.
iSelect may at any time and at iSelect's absolute discretion vary these Conditions of Use.
Privacy Statement(i) The iSelect Service
We offer a decision support service (“the Service”) to assist you to select your insurance provider. We value you as a client and respect your right to the privacy in respect of the information you provide to us. By using the website you acknowledge and agree that iSelect may use your personal information (Personal Information) in accordance with the iSelect Privacy Statement, contained in these Conditions of Use.
(ii) iSelect's use of your Information
It is important that you are comfortable that the iSelect website is secure and that any information that you provide to iSelect will be treated confidentially. All of your Personal Information collected by iSelect to provide the Service, such as personal details, questionnaire results, e-mail details and any correspondence will be collected, used and held in accordance with the requirements of the Privacy Act 1988 (Cth) (Privacy Act). Cookie technology on the website allows us to identify your movements around the website. This information provides us with constructive feedback about the website so that we can identify the most effective areas and improve the less popular ones. Cookies cannot determine the identity of individual users. It is a feature of your Internet browser which you can disable at any time.
(iii) Keeping your Information Secure and Accurate
iSelect will take reasonable steps to:
- ensure that your Personal Information collected, retained and disclosed by iSelect is accurate, complete and up-to-date; and
- protect your Personal Information from misuse and loss from unauthorized access, modification or disclosure.
(iv) Security and Access
We cannot guarantee that information sent and received over the Internet is completely secure. Information sent to iSelect over the internet is at the users own risk.
(v) Your Acknowledgement About the use of your Personal Information
In consideration for us expending time and effort in providing the Service to you, you agree and acknowledge that iSelect:
- may use your Personal Information for the purpose of providing the service and to inform the relevant insurance companies of information required to enable you to join that insurer (the Purpose);
- may disclose your Personal Information where necessary for the Purpose and where permitted under the Privacy Act;
- have additional obligations to gather, retain or disclose your Personal Information under law;
- may transfer your Personal Information to a party across state or national borders where this is necessary for the Purpose; and.
- may use your Personal Information to conduct promotions and giveaways (If you do not want to receive or be involved in these activities you can withdraw your consent by contacting us at firstname.lastname@example.org or by calling 13 19 20)
AmendmentiSelect may at any time and at iSelect's absolute discretion vary these Conditions of Use .
Arranging to Purchase an Insurance Product OnlineYou are welcome to use our website to conduct a needs analysis. We have a number of products from our participating insurers. If you elect to buy online then there are some important conditions that will apply.
Firstly, you will answer a set of questions that will help to generate an online quote.
If you elect to purchase an insurance policy online, based on that quote, and the insurer who sells that product is prepared to offer you that option, then you will be transferred into the insurer’s online system that will allow you to purchase the product you have selected. You should note that the insurer may ask you additional questions at that stage. We will record within our database all of your relevant details and we will also record an identification number. Your dealings with us will cease once you have been transferred into the insurer’s computer systems. You should note however that the insurer will provide us with the policy number you are issued with, as part of our verification process for the commissions/fees we will be paid. If the insurer proceeds to make you an offer to purchase an insurance product, you will then be entering into a contract of insurance with the relevant insurer.
We do not have visibility of your purchase of an insurance policy or the means by which you will pay for that policy.