This website, www.cloverinsure.com.au, (“Website”) is operated by Clover Insurance Pty Ltd ABN 19 653 550 371, AFSL 538528 and its related bodies corporate (as defined under the Corporations Act 2001 (Cth) (“Clover”, “we”, “us”, and “our”). This Website includes information, tools and links related to our online services and accounts for our members (together, the “Services”).
Insurance products and general disclaimer
This Website contains information of a general nature about us and insurance products (“Products”). Full details of any Products are contained in the applicable policy documentation made available through your insurance broker.
We do not represent or give any warranty of reliability, accuracy, currency or completeness of any of the Products’ information supplied to us by insurance brokers, insurers or other third parties and we do not accept any responsibility for loss, claim or damage which you may suffer as a result of any errors or omissions in the Products’ information provided (unless any liability cannot be excluded by law).
Further, this Website does not, and does not purport to, provide you with financial product or investment advice of any kind. The information available on this Website does not take account of your individual objectives, financial position or needs. We suggest that you seek independent advice before acting upon any information found on our Website or any website made available by a third party. However, if information contained within the Website includes statements, estimates and projections with respect to anticipated future performance or events. Any such statements, estimates and projections are given as opinions only and reflect various assumptions by us which may or may not prove to be correct. No representations or warranties are made as to the validity of those assumptions or the accuracy of those statements, estimates or projections.
Use of this Website and Services
When using this Website and/or the Services, you agree that you will not (either through yourself or via a third party):
When using this Website, you must not use any device, software or routine to interfere or attempt to interfere with the proper working of this Website or any activity conducted at this Website.
You acknowledge that all copyright in the software, design, text, graphics, and material located on this Website (“Website Material”) is owned by or licensed to us. This Website also contains registered trade marks which are protected under law. You must not use any of the trade marks appearing on this Website or our name and logo (including any trade marks, names or logos of our related bodies corporate) without our prior written consent, or the prior written consent of the relevant third party.
How we use your data
You agree to grant us a worldwide, royalty-free, perpetual, irrevocable, non-exclusive licence (including the right to grant sub-licences) to use any content you provide or data and information generated through your use of this Website and the Services for the purposes of Clover’s continual development and improvement of the Website and the Services.
Third Party Sites and Material
This Website may contain links to external websites or applications which are owned or operated by third parties independent of us (“Third Party Sites”). Such Third Party Sites include material (including services, systems, information, graphics, or data) (“Third Party Material”), which we have not reviewed and for which we accept no responsibility.
Subject to any applicable law which cannot be excluded, Clover makes no warranties or representations:
Third Party Software
Unless otherwise indicated, software or downloads available via links from the Website are Third Party Material. These products may be subject to a licence agreement between you and the relevant product owner. To the extent permitted by law, we accept no liability in respect of such third party products and we provide no warranty and gives no endorsement in respect of such products or any party connected with them. We do, however, welcome your feedback or suggestions concerning these products.
While we have made every effort to ensure that content made available by us on the Website is free from error, we make no representation, guarantee or warranty in relation to the accuracy, adequacy or completeness of the content on this Website or our Services. Clover excludes all guarantees and warranties of any kind, express or implied (however this does not include any Non-excludable Guarantee for which we are liable: See the section below titled “Limitation of liability). We also do not represent, warrant or guarantee that your access to this Website or our Services, or to any Third Party Site or third party services will be free from viruses, uninterrupted, or error-free.
If you discover an error or have reason to believe that unauthorised access of the Website or use of the Services has occurred, please inform us via the ‘Contact Us’ page so we can take steps to correct errors or respond to the unauthorised use or access.
Limitation of liability
To the maximum extent permitted by law, Clover and its directors, employees, agents, contractors and related bodies corporate, are not liable to you, whether in contract, tort including negligence, statute or otherwise, for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or in connection to this Website, any content on this Website, any Third Party Material or services, access (or lack of access) to this Website by you, or damage caused by a virus or other technologically harmful material that may affect your computer equipment, computer programs, data and proprietary material, however caused.
You indemnify us (and any of our related bodies corporate) from any claim, action, demand, loss or damages made or incurred by any third party arising out of, or relating to your conduct or use of the Website or our Services, your breach of provisions of these Terms and Conditions, or your breach of any rights of third parties.
Availability of our website
We reserve the right at any time to modify or discontinue this Website and/or the Services (either temporarily or permanently), in whole or in part, for the purposes of technical maintenance, upgrades, or legal or regulatory reasons. Where practicable, we will endeavour to provide you with notice of discontinuance.
Any cost associated with accessing this Website is your responsibility.
Neither party may rely on the other party’s words or conduct as a waiver of any right unless the waiver is in writing and signed by the party granting the waiver. A “Waiver” includes an election between rights and remedies and conduct which might otherwise give rise to an estoppel.
Invalidity and enforceability
The law applicable to this Website is the law of New South Wales, Australia. By using this Website, you irrevocably submit to the jurisdiction of the courts of the state of New South Wales, Australia.
The information on this website is provided for Australian residents only, and where indicated, may be limited to specific states and territories of Australia.