Terms & Conditions

As at 1 April 2014

This website (“Website”), www.choosi.com.au, is owned and operated by Choosi Pty Ltd. When accessing and using this Website you agree to be bound by these terms and conditions.

Terminology

‘Our’, ‘us’ and ‘we’ refers to Choosi Pty Ltd, ABN 15 147 630 886, of Level 2, 58 Norwest Blvd, Bella Vista NSW 2153. The words ‘you’ and ‘your’ refer to users of this Website.

Privacy

We are committed to adhering to the Privacy Act (1988) and will ensure that the highest levels of privacy are maintained on this site. All information that we process on this site or through our call centre will be managed and used in accordance with our Privacy Statement.

Your Obligations

You will use this website in accordance with the terms and conditions set out here. You will only use this website for personal use for obtaining information directly related to your insurance needs, obtaining insurance quotes and conducting insurance related transactions or queries.

You will not use this site for commercial purposes, to perform any activity which affects the integrity or security of this site, for unlawful or fraudulent activity or to gather or monitor information/data contained within this website using any spider, robot, screen scraper, data aggregation tool or other device.

When requesting information or obtaining a quote you will ensure that all information that you provide to us is complete and correct so that we can provide you with an accurate quote or the relevant information. If you fail to do so any insurance that you purchase through this site may be void.

Financial Products

When purchasing a financial product, such as Pet Insurance, Life Insurance, Funeral Insurance, Final Expenses Insurance or Income Protection Insurance, through this website you are responsible for reading the Product Disclosure Statement (PDS) to ensure you understand what you are covered for. Should you not understand the Product Disclosure Statement or if you have any further questions you should call our call centre.

You are able to get a quote on behalf of another person, however you should obtain their permission before doing so and ensure that the information that you provide about them is correct. If you are purchasing insurance on behalf of another person they need to be present with you at the time of the transaction.

The products we compare, and that can be arranged directly through us, are distributed by Hollard Financial Services Pty Ltd (ABN 53 128 692 884), the owner of Choosi. The products that can be arranged directly through us are limited to the following brands: Australian Seniors Insurance Agency; Guardian Insurance; Prime Pet Insurance; Real Insurance; RSPCA Pet Insurance and Woolworths Insurance.

Where requested by you we can provide access to a range of other insurance brands by referring you to a third party adviser. If you purchase a product as the result of a referral we will receive a referral fee.

Health Insurance

When purchasing a Health Insurance product you are responsible for ensuring that you understand the coverage limits by referring to the Product Fact Sheets. These documents are created by the Health Insurer and Choosi takes no responsibility for the accuracy of these documents.

When using the comparison feature on the Website you may not be provided with all features of the product for review. Decisions that you make on which features are most important to you may directly affect the information that is displayed.

If you purchase a Health Insurance policy through the Choosi website you are purchasing a policy directly from the Health Insurer. The terms and conditions of the sale will be in accordance with your chosen Health Insurance policy. All details you have provided in your application will be passed onto the Health Insurer following your purchase.

Choosi obtains a commission for arranging the insurance on behalf of the insurer. This commission is built into the final price that is disclosed to you and you will not be charged any additional costs for using Choosi.

Our Obligations

We will provide you with an online and telephone service which will allow you to obtain insurance quotes, compare policies and then purchase an insurance policy. We will not add any fees to the policies that you will purchase through this website. While we do receive commissions from the insurer the price you pay will be no greater than the standard rates available from the insurer.

Choosi does not have access to all products available in the market and there may be aspects to some products that we don’t compare. Choosi can provide access, subject to underwriting, to all brands listed on our website but for some brands, where requested by you, we will refer you to a third party insurance adviser to arrange cover.

We will populate all customer ratings in accordance with the criteria outlined on this website. All customer ratings and comments are authentic. All customer ratings are compiled on the basis of customer-initiated responses and may not be a representative sample.

For more details on the financial services we provide and the remuneration we obtain, please read our Financial Services Guide (“FSG”). The FSG does not apply to Health Insurance policies arranged by Choosi.

We will take all reasonable steps to ensure the accuracy of the content that we publish on this site as well as the quotes provided on this site. However, we cannot ensure the accuracy of any content written by third parties, for example for Customer Reviews.

Website Content and Quotes

This website contains information of a general nature about Choosi and the insurance products offered in the marketplace. The Website does not take into account your objectives, financial situations or needs or provide you with personal financial advice or investment advice. Because of this you should, before acting on any information on this Website, consider its appropriateness to your personal circumstances, by reading the relevant PDS which is available on this Website.

All quotes provided to you are done so on the basis of the information that you provide. We do not control the price or conditions of the price offered to you.

Where we 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. Choosi will take steps to update the available information as it becomes aware of changes, but does not take responsibility for informing you of any change in circumstances.

Intellectual Property

The information contained within this website (including images, articles, data, video and other information) is protected by copyright, and is provided to you for your personal use (to print, copy, download, share).

You may only reproduce the information for commercial purposes with the express written permission from us, and when doing so you must acknowledge Us and include a link from your website to our Website.

If you add any content to this Website this information, including comments, ratings, reviews or images, you will verify that it is personally attributable to yourself and that you have the rights to distribute this information. You agree that this information does not infringe any copyright, intellectual property rights or the rights of any other third party. You also agree that we will retain ownership of this material. In doing so, you grant us a perpetual, irrevocable, worldwide, royalty free, transferable and unlimited licence to use, modify, publish and distribute this information as we see fit. We are not responsible for any loss, liable or damage that you may experience in submitting this information.

Limitation of Liability

To the maximum extent permitted by law, we disclaim liability for any damages, including, without limitation, direct or indirect, special, incidental, compensatory, exemplary or consequential damages, losses or expenses, including without limitation lost or misdirected orders, lost profits, lost goodwill, or lost or stolen programs or other data, however caused and under any theory of liability arising out of or in connection with (1) use of this Website, or the inability to use this site by any party; or (2) any failure or performance, error, omission, interruption, defect, delay in operation or transmission; or (3) line or system failure or the introduction of a computer virus, or other technical sabotage, even if we or our employees or representatives are advised of the possibility or likelihood of such damages, losses or expense.

Indemnity

You indemnify us and our respective officers, employees and agents against all actions, claims and demands (including the cost of defending or settling any action, claim or demand) which may be instituted against us arising out of a failure by you to comply with these terms of use.

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 preserve the security of such information.

Linked websites

This Website may contain a number of links to other Internet sites which are operated by third parties. You acknowledge and agree that we are not responsible either directly or indirectly for any damage or loss caused by use of or reliance on linked sites.

Miscellaneous

There are various trade names, brand names, trade symbols, logos, slogans, trademarks, brand names, company names, or service marks indicated on this Website that are the property of their respective owners.

This website is intended for the use of Australian residents only and not intended for use outside Australia. Accessing information from this Website is done so at your own risk and you will be responsible for compliance with the laws within your jurisdiction.

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, your guardian or a responsible adult before you use this site.

We retain the right to amend these Terms and Conditions at any time and it will be your responsibility to check these Terms and Conditions for any updates.

The law applicable to these Terms of Use is governed by the law in force in the state of New South Wales, Australia. Should a dispute arise in connection with these Terms of Use or with your use of this Website which cannot be resolved by good faith negotiations between us, you and Choosi Pty Ltd shall be referred to mediation or to arbitration. At all times we reserve the right to instigate legal proceeding prior to negotiation, arbitration or mediation against any individual, organisation or entity, who in our opinion has acted in breach of these Terms and Conditions.

Choosi Pty Ltd (ABN 15 147 630 886) offers insurance products from a range of Australian brands. Choosi does not provide information, or offer cover, for all products available in the market and there may be aspects to some products that we do not compare. Choosi is not an insurer and cover is issued by various underwriters. Your use of this website is undertaken in accordance with the full Terms and Conditions.

Choosi is owned by Hollard Financial Services Pty Ltd (ABN 53 128 692 884), the distributor of each pet insurance, life insurance, income protection insurance, funeral insurance and final expenses insurance policy Choosi is able to arrange directly for the following brands: Australian Seniors Insurance Agency, Guardian Insurance, Prime Pet Insurance, Real Insurance, RSPCA Pet Insurance and Woolworths Insurance. Choosi is also a related company of The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473 AFSL 241436), the issuer of each pet insurance product Choosi is able to arrange directly. Information on this website does not take into account your personal objectives, financial situation or needs. You should consider the relevant Product Disclosure Statement (PDS) for more information and to ensure the product suits your needs. The PDS for each of the pet insurance, life insurance, income protection insurance, funeral insurance and final expenses insurance products sold through Choosi and our advisor partner are available through this website. Health Insurance products are not required to have a PDS, but this website has a Fact Sheet for each Health Insurance product Choosi is able to arrange.

Choosi

Ground Floor, 58 Norwest Blvd, Bella Vista NSW 2153

Phone: 1300 884 384