Section 01
Acceptance of Terms
By accessing or using this website, you agree to these Terms and to any other notices posted on the site. If you do not agree, you should not use the site or rely on its content.
Acceptance of Terms
By accessing or using this website, you agree to these Terms and to any other notices posted on the site. If you do not agree, you should not use the site or rely on its content.
Section 02
Scope of Services
This website provides general information about insurance selection services for retirees. We may describe services, request details, or refer you to a suitable next step, but we do not guarantee that any particular product, insurer, or outcome will be available or appropriate.
Core Terms
Any fees, charges, or commercial terms that may apply will be disclosed separately where relevant. You are responsible for reviewing those terms before proceeding, and we may decline or suspend any request where necessary.
03
Fees and Charges
Operational ScopeAny fees, charges, or commercial terms that may apply will be disclosed separately where relevant. You are responsible for reviewing those terms before proceeding, and we may decline or suspend any request where necessary.
04
User Obligations
Payments & CancellationsYou must use the website lawfully and in a manner that does not interfere with its operation or the rights of others. We may change, limit, or withdraw any part of the website or its content at any time, to the extent permitted by law.
All content on this website, including text, layout, logos, and other materials, is owned by us or used with permission. You may view the content for personal use only and must not copy, reproduce, or distribute it without prior written consent, except as allowed by law.
05Clause
Intellectual Property
All content on this website, including text, layout, logos, and other materials, is owned by us or used with permission. You may view the content for personal use only and must not copy, reproduce, or distribute it without prior written consent, except as allowed by law.
06Clause
Disclaimer of Liability
The website and its content are provided on an 'as is' basis. To the fullest extent permitted by law, we disclaim warranties of accuracy, completeness, suitability, and uninterrupted availability, and we are not liable for losses arising from reliance on general information alone.
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Governing Law
Controlling summary provision
These Terms are governed by the laws applicable in Australia, without regard to conflict of law rules. Any dispute arising from the website or these Terms should first be raised with us in good faith before either party seeks other remedies available under applicable law.
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Changes to Terms
Supplemental notice and enforcement summary
We may update these Terms from time to time by posting a revised version on this website. Your continued use of the website after an update takes effect means you accept the revised Terms.