Terms of Use

MultiCover’s Terms and Conditions of Use

As from 22 August 2012

Website Ownership

MultiCover Pty Ltd (ABN 24 145 895 987) operating under the domain name of multicover.com.au. All material on this Web site is copyright © 2014 MultiCover Pty Ltd unless otherwise indicated. All other trademarks appearing on the MultiCover website are the property of their respective owners.

Except to the extent permitted by relevant copyright legislation, you must not use, reproduce, modify, adapt, transmit, store, print, publish or distribute the material on the website, or create any other material using material on the website, without obtaining our prior written consent.

Changes to the Terms and Conditions of use

MultiCover reserves the right at any time to change or modify the terms or conditions applicable to the use of this site. MultiCover does not guarantee continued availability of any particular product or service advertised or referred to on the website.

Access to the website and its use

Accessing to this website and its content is conditional upon your acceptance and compliance with the terms, statements, conditions, policies and disclaimers contained on this website. Your continued use of the website means you acknowledge and accept these terms, statements, conditions, policies and disclaimers. If you do not wish to be bound by these terms, statements, conditions, policies and disclaimers you must discontinue accessing, browsing and using the website.

This Website is intended for use for commercial purposes and is therefore intended for people aged 18 and over. If you are under the age of 18 you should seek the permission of your parent or your guardian or a responsible adult before using this site.

Website Content, Information and Services

This website contains information of a general nature about MultiCover and the financial service products offered in the marketplace.  MultiCover is a referral service and not a financial service provider. It is important to note that the Website does not take into your objectives, financial situations or needs or provide you with personal financial advice or investment advice.  Before acting on any information on this Website, you should consider the appropriateness of the information, by seeking advice from a qualified and licensed adviser.

Any quotes you receive will be based on the information you provide. We have no control over the price of the product or service offered to you by the provider.

We partner with independent financial service providers or specialists who provide the products and services. When you make a request on the MultiCover we will refer you to them for those products and services. This may be through either direct contact or by connecting you directly with their online ‘do it yourself’ websites.

When you select the “Submit” button your details will be referred to a third party provider and you will be contacted by that provider either by email or telephone to complete the quotes and cover. By selecting “Submit” you are agreeing to this referral process and any subsequent contact.

You can request a quote on behalf of another person with their permission and must ensure that the information that you provide about them is correct. If you the choose to purchase a financial product or service on behalf of another person they need to be present with you at the time of the transaction.

Where we may provide information about taxes and other government levies or initiatives it is provided in a general nature only and you are encouraged to seek professional advice to determine if it applies to you. MultiCover will update the available information as it becomes aware of changes, but does not take responsibility for notifying you of any change.

When purchasing a financial product or service through this website you are responsible for reading the Product Disclosure Statement (PDS) to ensure you understand what you are covered for. Each provider will have a Product Disclosure Statement for the product you are interested in. MultiCover takes no responsibility for the accuracy of these documents.

When purchasing a Health Financial Service product you are responsible for ensuring that you understand the coverage limits by referring to the Product Fact Sheets provided by the Health Insurer or their representative. MultiCover takes no responsibility for the accuracy of these documents.

The MultiCover website is an information service only and not a financial advisory service. We do not provide any financial advice. If you think you may need financial service or product advice you must approach a licensed adviser. The website and the service it provides are designed to provide a referral link between you and a licensed financial service provider or specialist. Nothing in this site should be taken by you to be the giving advice of any kind.

Any calculations are for general information purposes only, and do not constitute financial product advice, a financial product recommendation, a policy or application approval, or confirmation that a financial service policy or other financial product will be made available. By either submitting an online request for contact, you are providing your implicit authority to pass your personal information (see Privacy Statement) to a financial service provider or specialist within our network.

The network of licensed financial service providers or specialists that you access through this site are not employed by MultiCover. We do not endorse, recommend or approve any service provider or specialist or their financial services advice.

MultiCover may receive a fee or commission for providing your personal information to participating financial service providers or specialists. This is absorbed by the provider of the service and you will not be charged any additional costs for using MultiCover.  Your information will not be provided to the participating financial service provider or specialist without your prior consent. For further information regarding how we collect and use your personal information, please refer to our Privacy Statement.

The website may contain downloadable materials and links to external websites. MultiCover is not responsible for, and has no control over, the content of downloadable materials or external websites.

Marketing to you

By making a request through this website you agree to be contacted by MultiCover Pty Ltd in accordance with MultiCover Privacy Statement, by either email or telephone for purpose of marketing to you. You will be given an opportunity to opt-out of receiving further material when you receive any such marketing. You can also unsubscribe from receiving promotional material from us at any time, by emailing us at the.teamATmulticover.com.au. However we have no control over the independent advisers and providers who you are subsequently in contact with as they will have their own statement on marketing to you. You should discuss this matter with them at the time of contact.

Limitation of Liability

This MultiCover site and its services are provided on an “as is” basis without warranties of any kind, either express or implied, including (but not limited to) warranties of merchantability or fitness for a particular purpose, other than those warranties which are implied by and incapable of exclusion, restriction or modification under the laws applicable to transactions conducted on the MultiCover site.

As a user of this site you expressly agree that use of the MultiCover site is at the user’s sole risk. Neither MultiCover, its affiliates nor any of their respective employees, adviser network, specialists, providers, third-party content providers or licensors warrant that MultiCover will be uninterrupted or error-free. Nor do they make any warranty as to the results that may be obtained from use of the MultiCover site, or as to the reliability, accuracy or content of any information or service provided through the MultiCover site.

This disclaimer of liability applies to any injury or damages from any cause including, without limitation, failure of performance, omission, interruption, error, deletion, defect, delay in operation or transmission, communication line failure, computer virus, theft or destruction or unauthorised access to, alteration of, or use of record, whether for breach of contract, negligence, tortious behaviour, or under any other cause of action. The user specifically acknowledges that MultiCover is not liable for the defamatory, offensive or illegal conduct of other users or their parties and that the risk of injury from the foregoing rests entirely with the user. In no event will MultiCover, or its providers, specialists, adviser network or affiliates be liable for any damages, including (without limitation) direct, indirect, consequential, special, incidental or punitive damages arising out of the use (or of inability to use) the MultiCover site, and the user hereby acknowledges that the provisions of this section shall apply to all content on the MultiCover site.

Whilst MultiCover will endeavour to ensure that participating financial service providers or specialists are qualified and licensed to provide their relevant services, we cannot and do not guarantee, warrant or represent that any participating financial service providers or specialists who offer services through this website are licensed, qualified, or able to perform the relevant services. We therefore strongly recommend that you take all necessary measures and precautions before you engage the participating financial service providers or specialists to act on your behalf and/or seek to rely on any information provided by the participating financial services organisation and/or financial service providers or specialists.

You agree that by accessing any third party linked website you do so at entirely at your own risk. MultiCover 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.

Internet Security of information

Unfortunately, no data transmission over the internet can be guaranteed as totally secure. Whilst we strive to protect such information, we do not warrant and cannot ensure the security of any information which you transmit to us. Accordingly, any information which you transmit to us is transmitted at your own risk. Nevertheless, once we receive your transmission, we will take reasonable steps to maintain the security of such information

Intellectual Property Rights

The website, products, software and processes contained in this website may be the subject of intellectual property rights owned by MultiCover or by third parties. No licence is granted in respect of those intellectual property rights. Your use of the website must not in any way infringe the intellectual property rights of any person. The information contained within this website (including images, articles, data, video and other information) is protected by copyright.

Timeliness of contact

MultiCover will use all reasonable endeavours to ensure that you are connected by an adviser within two business days from the time an on-line or phone based request is submitted. However, we cannot guarantee the response time of our adviser network. If you are not contacted by an adviser within two business days, please let us know by email the.teamATmulticover.com.au.

Jurisdiction and Severability

The use of the website is governed by the laws of Victoria, Australia and you irrevocably submit to the non-exclusive jurisdiction of the courts of Victoria, Australia and their respective courts of appeal in that regard. If any part of these Terms and Conditions is held invalid, illegal or unenforceable, that part shall be severed and the remainder will continue to be valid and enforceable.

MultiCover makes no representations that the content of the website complies with the 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.

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