Terms and Conditions

IncomeShield.com.au provides an income protection insurance comparison service, designed to help our customers (“you”) find, review, and apply for a income protection insurance policy.

This website is owned and operated by Advizer Pty Ltd t/a IncomeShield.com.au, ABN 83 168 993 333, AR Number 459414 (collectively, “IncomeShield.com.au”, “we”, “us” or ‘our”) under the domain name IncomeShield.com.au (“the website”).

We’d like to keep the fine print as simple as possible, so to start with please keep the following in mind:

• The information contained in this website has been prepared without taking into account your objectives, financial situation or particular needs and is General Advice only.

  IncomeShield.com.au, or any related companies will not be held responsible for the merits of this advice to your circumstances.

• We will not provide your details to any third party, other than for the purposes of assisting you to purchase income protection insurance through our service

• By providing your details, you agree to be contacted by an Income Protection Insurance Adviser

Bearing this in mind, there are terms and conditions regarding your access to and use of the website.

The information, materials and services provided on the website is conditional upon your acceptance and compliance with the terms, conditions, statements, notices, policies and disclaimers contained on this website (“Terms”).

Simply this means that your continued use of the website means you accept these Terms. Therefore, if you do not wish to be bound by these Terms you should not continue to access, browse and/or use the website.

Your privacy is very important to us. By using the website, you agree to our Privacy Policy which can be found below

Note: IncomeShield.com.au reserves the right to amend these Terms at any time. In such an event, we will provide notice by publishing the varied Terms on the website. You accept that by doing this, we have provided you with sufficient notice of the variation. Should the changes be extensive, written communication will be provided consisting of the changes to our terms where possible via email.

Terms and Conditions

The website and related services are intended to assist you in selecting and purchasing products and services and in some cases, to provide a link between you and an Income Protection insurance adviser and /or qualified and/or licensed financial adviser and /or other expert adviser (“Expert”).

For further information regarding how we collect and use your personal information, please refer to our Privacy Policy located below

Whilst we use all reasonable endeavours to ensure that participating providers are qualified and licensed to provide their relevant services, we cannot and do not guarantee, warrant or represent that any participating provider who offers services through this website is licensed, qualified, or able to perform the relevant services.

We recommend that you take all necessary measures and precautions before you engage or rely on any information provided by the participating provider to act on your behalf and/or seek to rely on any information provided by the provider.

We cannot and do not guarantee that the participating provider will be able to provide the services requested. Consequently, you agree and acknowledge that we may not be able to provide the service requested by you notwithstanding the submission of all required information on your part.

Timeliness of response

We are committed to providing you with a timely response. Where our service involves a income protection insurance advisor or any other expert (“expert”) to contact you to assist you with your enquiry, we will work to ensure that you are contacted by that expert within 2 business days from the time an on-line request is submitted on the website (“response time”). Notwithstanding this, we cannot and do not guarantee the response time of any or all of our advisors.

If you are not contacted within the response time, please let us know: info@IncomeShield.com.au

How We Get Paid

IncomeShield.com.au may receive commissions paid by a third party such as an insurer. These will vary according to your circumstances, but will generally be an amount up to 120% of the initial annual premium as an initial commission and up to 15% of the ongoing annual premium as a trailing commission. (For example, if the annual premium is $1,000, IncomeShield.com.au may receive $1,200 in the first year and then $150 each year thereafter. The fees in the initial and subsequent years will be shown in your statement of advice. Individual advisers of IncomeShield.com.au are salaried employees and do not receive any commissions.

Intellectual Property Rights

The information on this site is protected by copyright.  Permission is granted to use the information on this web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not: modify or copy the materials; use the materials for any commercial purpose, or for any public display (commercial or non-commercial); attempt to decompile or reverse engineer any software contained on this web site; remove any copyright or other proprietary notations from the materials; or transfer the materials to another person or “mirror” the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by IncomeShield.com.au at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

Third party website links

The website may contain links and pointers to other websites operated by third parties. Such links and pointers are provided for your information and convenience only. We make no representations about the accuracy or suitability of the information or links which may be provided on the website. IncomeShield.com.au does not control these third party websites and cannot be responsible for the content or accuracy of the information or other material contained on these websites.

Unless otherwise expressly stated on the website, the provision of a link to an external website does not constitute an endorsement or approval of that website, its operator and/or any products or services offered on or through that website.

It is strongly recommended that you seek independent expert advice if you have any concerns regarding what services, products or solutions may be suitable for you.

Before using other websites, we strongly recommend you examine the terms and conditions governing the use of those websites as they may differ from IncomeShield.com.au. Similarly, before disclosing your personal information on any other website, we advise you to examine the privacy policies of those websites.

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

Hyperlinks to IncomeShield.com.au are only permitted where prior written consent has been obtained.

Right to modification and change

We reserve the right to amend, modify, delete and make changes and corrections to any part of the website at any time without notice.

IncomeShield.com.au does not guarantee continued availability of any particular product or service advertised or referred to on the website.

Information does not represent professional advice

The information and material provided on or through the website is provided as general information only and should not be regarded as a substitute for professional legal or financial advice. Prior to entering into a transaction or taking any particular course of action in connection with the information you receive from the website, you should make your own inquiries and seek independent advice tailored to your specific circumstances and objectives.

No Guarantees as to the Service

The website may contain downloadable materials and links to external websites. IncomeShield.com.au is not responsible for, and has no control over, the content of downloadable materials or external websites. You understand that we cannot and do not guarantee, warrant or represent that a file or software of any kind, or from any source, available for downloading through the website, will be free of infection or viruses, worms, Trojan horses or other code or defects that manifest contaminating or destructive properties.

Disclaimer and Limitation of Liability

The reports and statistical data provided by this website service (collectively “the information”) are derived from third party data collection companies and from information provided to us by financial institutions. IncomeShield.com.au does not warrant the accuracy of the information and does not accept liability for reliance on such information. In addition, we do not accept liability for the acts or omissions of others including but not limited to, those who provide the data and statistical information used to compile the information.

Certain rights and remedies may be available under the Trade Practices Act 1974 or similar legislation of other States or Territories and may not be permitted to be excluded, restricted or modified. Apart from those that cannot be excluded, IncomeShield.com.au and its related entities exclude all conditions and warranties that may be implied by law. To the extent permitted by law, our liability for breach of any implied warranty or condition that cannot be excluded is restricted, at our option to: the re-supply of services or payment of the cost of re-supply of services; or the replacement or repair of goods or payment of the cost of replacement or repair.

Security

When using the World Wide Web, the Internet or third party networks or facilities, you are using networks, facilities and services that are beyond our control.

You assume all risk and liability of your use of the World Wide Web, the Internet or any such third party networks, including any access to the website via such media.

Jurisdiction

The use of the website is governed by, construed and enforced in accordance with the laws of NSW, Australia and you irrevocably submit to the non-exclusive jurisdiction of the courts of NSW, Australia and their respective courts of appeal in that regard.

The website may be accessed throughout Australia and overseas. IncomeShield.com.au makes no representations that the content of the website complies with the laws (including intellectual property 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.

Severability

If any part of these Terms is held invalid, illegal or unenforceable, that part shall be severed and the remainder will continue to be valid and enforceable.

Reservation of rights

Any rights not expressly granted to you herein are reserved by IncomeShield.com.au.