Quote - Terms & Conditions

Insurance Quotation Terms & Conditions

Terms & Conditions

Please read the following Terms & Conditions thoroughly before continuing.

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THE WEB SITE. By using this Web site, you signify your assent to these terms of use. If you do not agree to these terms of use, please do not use the site. We reserve the right, at our discretion, to change, modify, add, or remove portions of these terms at any time. Please check these terms periodically for changes. Your continued use of the Web site following the posting of changes to these terms will mean you accept those changes. If you are dissatisfied with any ACI Broking Services Pty Limited material, or with any of ACI Broking Services Pty Limited terms and conditions, your sole and exclusive remedy is to discontinue using the ACI Broking Services Pty Limited Web site.

RESTRICTIONS ON USE OF MATERIALS. Unless otherwise noted, all materials, including, but not limited to, news articles, images, illustrations, designs, icons, photographs, video clips and audio clips that are part of the Web site (collectively, the "Content") are protected by copyright and owned, controlled or licensed by ACI Broking Services Pty Limited or the party credited as the provider of the Content. You will abide by all additional copyright notices, information or restrictions contained in any Content accessed through the Web site.

No Content from the Web site may be copied, reproduced, framed, hyperlinked, republished, downloaded, uploaded, posted, transmitted, or distributed in any way; provided, however, you may download, where specifically permitted, one copy of the Content on any single computer for your personal, non-commercial use only, provided you keep intact all copyright and other proprietary notices. Copying or storing of any Content for other than personal use is expressly prohibited without prior permission from info@acibroking.com.au, or the copyright holder identified in the copyright notice contained in the Content.

If you wish to build a hyperlink to the Web site, you may do so provided you agree to cease such link upon request from ACI Broking Services Pty Limited. No other use is permitted without prior written permission of ACI Broking Services Pty Limited.

Use of any robot, spider, other automatic device, or manual process to monitor or copy our Web pages or the Content is strictly forbidden.

Modification of the Content or use of the Content for any other purpose is a violation of ACI Broking Services Pty Limited copyright and other proprietary rights. For purposes of these terms, the use of any Content on any other web site or networked computer environment is prohibited. ACI Broking Services Pty Limited, and other names of ACI Broking Services Pty Limited products referenced herein are trademarks or registered trademarks of Wells Publishing, Inc. Other trademarks/logos are the property of their respective owners.

USAGE BY CHILDREN UNDER 13. The Web site is directed to adults and is not directed to children under the age of 13. ACI Broking Services Pty Limited cannot prohibit minors from visiting the Web site. ACI Broking Services Pty Limited must rely on parents, guardians and those responsible for supervising children under 13 to decide which materials are appropriate for such children to view and/or purchase. ACI Broking Services Pty Limited does not permit registration by and will not knowingly collect personally identifiable information from anyone under 13.

MEMBER ACCOUNT. If you register as a user of this Web site, you will be assigned a username and password that is unique to you. You are responsible for maintaining the confidentiality of the username and password, and responsible for all activities that occur under your username and password. You agree to notify ACI Broking Services Pty Limited of any unauthorized use of your username and password or other breach of security at www.info@acibroking.com.au

FEES AND PAYMENTS. ACI Broking Services Pty Limited reserves the right at any time to charge fees for access to portions of the Web site or the Web site as a whole. However, in no event will you be charged for access to the Web site unless we obtain your prior agreement to pay such charges. You will pay all fees and charges incurred through your account at the rates in effect for the billing period in which such fees and charges are incurred. You will pay all applicable taxes relating to use of the Web site through your account.

CONTENT & SERVICES OFFERED. ACI Broking Services Pty Limited has the right at any time to change or discontinue any aspect of the web site, including, but not limited to, the community areas, content, hours of availability and equipment needed for access to use. Such changes, modifications, additions or deletions will be effective immediately upon posting and any subsequent use by you after such posting will conclusively be deemed to be acceptance by you of such changes, modifications or deletions.

FORUMS & POSTS. "Forum" means letters, e-mails or other types of communications to the editors, Webmaster(s) or employees of ACI Broking Services Pty Limited, and messages posted in connection with online discussions on the Web site. ACI Broking Services Pty Limited welcomes comments from members of the public relative to the industry. However, as we are a specialized publication, please limit your postings to matters concerning the insurance industry or to significant events affecting it. Personal (ad hominem) attacks, social diatribes and political statements (unless they pertain to insurance) are an improper use of the forum.

You will not upload to, distribute through, or otherwise publish through a Forum on the Web site any content which is libelous, defamatory, obscene, pornographic, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable that would constitute or encourage a criminal offense, violate the rights of any party, or that would otherwise give rise to liability or violate any law.

The Forums will be used only in a noncommercial manner. You will not, without our express approval, distribute or otherwise publish any material containing any solicitation of funds, promotion, advertising, or solicitation for goods or services. You specifically acknowledge that soliciting other guests of the Web site to join or become members of any commercial online or offline service or other organization is expressly prohibited.

Subject to the terms of the ACI Broking Services Pty Limited privacy policy, in general, we will not monitor or edit the contents of Forum materials unless required in the course of normal maintenance of the Web site and its systems or unless required to do so by law or in the good-faith belief that such action is necessary to: (1) comply with the law or comply with legal process served on ACI Broking Services Pty Limited ; (2) protect and defend the legitimate business interests, rights or property of ACI Broking Services Pty Limited, its users, advertisers, customers, sponsors, advertisers or affiliates; or (3) act in an emergency to protect the personal safety of our guests or the public. Users will remain solely responsible for the content of their communications. ACI Broking Services Pty Limited has the right but not the obligation to monitor and edit or remove any Forum communications and content.

SUBMISSIONS. Submissions of articles and/or photographs/images for posting on the Website ("submissions") are encouraged at any time and must be submitted in electronic format via email to info@acibroking.com.au, please inform us if any part of your submission has been previously published, and if so, where and when it has appeared. The right to refuse to post or to accept for publication any submission on the Website is our sole discretion.

By providing your submissions to us, you grant us a perpetual, non-exclusive, irrevocable and royalty-free right and license to reproduce, copy, distribute, modify, edit, create derivative works from and publish your submissions (in original or edited form) on the Website only. You retain your copyright interest as owner and/or author of your submissions and you retain all other proprietary rights in and to such submissions. In our discretion we may add copyright notices to submissions, where appropriate, if your submissions don't already bear an appropriate copyright notice. When you provide submissions to us, you represent and warrant that: (i) you are the sole author of the submission and/or you own the copyright and/or you have sufficient authority from the author or authors to grant Us the rights and licenses set above; and (ii) the submission is a work original to the author (unless identified by you as containing original works of third parties) and that such submission, including all third party works of authorship, does not infringe any copyright, trademark, trade name (or knowingly infringe any patent or any other proprietary right) of any third party.

Unless we execute a written agreement with you stating otherwise, neither you nor any of your licensors will be paid for our use of any article, text, photograph, image or other submission that you provide to us. Any article, text, photograph, image or other published submission will remain in the archives on the Website in perpetuity or until such time as the Website removes the material.

We may transfer this license and its obligations hereunder at any time and without prior consent to any corporate successor in interest, acquirer or other entity that purchases or otherwise obtains substantially all of our business assets or stock, or to any parent corporation or entity, any subsidiary corporation or entity, or any of our divisions that are operated as a separate business.

You will indemnify and hold harmless Australian Consolidated Insurance Limited group of companies and all officers, directors, shareholders, employees, authorized representatives and agents form and against all claims and expenses, including attorneys' fees, arising out of any messages, information or materials uploaded, posted, distributed, or transmitted to or though this site by you.

ACI Broking Services Pty Limited has no responsibility for the content of any messages, information or materials uploaded, posted, distributed, or transmitted by you of this site. However, ACI Broking Services Pty Limited retains the right, but not the obligation in its sole discretion, to monitor, review, delete or refuse to post any third-party content that Australian Consolidated Insurance deems to be objectionable.

PRIVACY. Registration data and certain other information about you are subject to ACI Broking Services Pty Limited privacy policy which is incorporated in full herein by reference.

INDEMNIFICATION. You agree to indemnify, defend and hold ACI Broking Services Pty Limited harmless from any liability, loss, claim and expense, including reasonable attorneys fees, related to your violation or alleged violation of this Agreement or use of the Web site, including without limitation any claims alleging facts that if true would constitute a breach by you of these terms and conditions

NON-TRANSFERABILITY. Your right to use this Web site is not transferable. Any password or right given to you to obtain information is not transferable.

JURISDICTION. Unless otherwise specified, the Content on the Web site is presented solely for the purpose of providing information and quotations for insurance in Australia, its territories, possessions, and protectorates. The Web site is controlled and operated by ACI Broking Services Pty Limited from its offices within Australia. ACI Broking Services Pty Limited  makes no representation that Content on the Web site is appropriate or available for use in other locations. Those who choose to access the Web site from other locations do so on their own initiative and are responsible for establishing the useability or correctness of any information or Content under any or all jurisdictions and the compliance of that information or Content with local laws, if and to the extent local laws are applicable. All users, including those users who access the Web site from a country other than Australia, agree that the laws of the State of Western Australia will govern any dispute, including those arising from ACI Broking Services Pty Limited use of personal information or otherwise relating to privacy.

TERMINATION. The privileges granted to you by these terms, including the maintenance of a member account, will terminate immediately without notice from ACI Broking Services Pty Limited  if, in ACI Broking Services Pty Limited sole discretion, you fail to comply with any provision of these terms. Upon termination, you must destroy all Content obtained from the Web site and all copies thereof, whether made under these terms or otherwise. ACI Broking Services Pty Limited may take such further action as ACI Broking Services Pty Limited determines to be appropriate under the circumstances to eliminate or preclude repeat violations, and ACI Broking Services Pty Limited will not be liable for any damages of any nature suffered by any customer, user, or any third party resulting in whole or in part from ACI Broking Services Pty Limited exercise of its rights under these terms and conditions.

DISCLAIMER. THE CONTENT IN THE WEB SITE IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, ACI Broking Services Pty Limited DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. ACI Broking Services Pty Limited DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEB SITE OR THE SERVER(S) THAT MAKES THE WEB SITE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ACI Broking Services Pty Limited DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE CONTENT ON THE WEB SITE IN TERMS OF ITS CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT ACI Broking Services Pty Limited ) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

LIMITATION OF LIABILITY. UNDER ACI Broking Services Pty Limited  NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL BE LIABLE FOR ANY SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE CONTENT ON THE WEB SITE, EVEN IF ACI Broking Services Pty Limited OR AN ACI Broking Services Pty Limited AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT SHALL ACI Broking Services Pty Limited TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE WEB SITE.

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