Terms of Use

Thank you for visiting our website (https://truecover.com.au), which is owned and operated by TrueCover.

‘Our’, ‘us’, ‘we’ and ‘TrueCover’ refers to TrueCover Pty Ltd (ABN 59 653 908 635) and its related bodies corporate.  The words ‘you’ and ‘your’ refer to users of this public website.  By accessing and using our website, you agree to our Terms of Use and Privacy Policy.  If you do not agree to these Terms of Use, you must not use or access this website.  Any failure by us to exercise any right under our Terms of Use shall not operate as a waiver of our rights.

We reserve the right to modify our Terms of Use at any time, without notice (where permitted by law).  We will indicate on our website that these Terms of Use have changed.  However, we will not specifically contact or notify you of any variation to these Terms of Use.  By using our website after any change, you acknowledge that you accept the new Terms of Use.

We are committed to safeguarding the privacy of the personal information we hold and to handling it in a secure and responsible manner, in accordance with the Privacy Act 1988 and the Australian Privacy Principles.  Our website will track how you use our website and certain data items will be collected and used by us to support the provision of our services.  Please read our Privacy Policy which explains how we collect store and use certain information provided to us.

In using our website, you agree that you will not, either directly or through another party,:

Any advice provided by us on this website is general advice only and does not consider your individual objectives, financial situation, or needs.  You should assess whether the product is appropriate for you in light of your particular objectives, financial situation, and needs and consider talking to an independent advisor before making a decision.

As permitted by law, you will receive or access all your insurance documents electronically.  By obtaining a quote for insurance or by purchasing an insurance policy, you agree to receive and access your documents electronically.  There may be some insurance documents that we cannot deliver electronically due to legal or other constraints.  These documents will be delivered to you via post to the postal address appearing on our records.

It is your responsibility to inform us of any changes to your email address.  It is also your responsibility to keep your email account active and capable of receiving new emails.  Ensure that your email account has sufficient space for new emails and that your email server and spam blocking software do not block our emails.  We are not responsible for problems arising from emails sent to an inactive or out-of-date email account, unless we are solely negligent for using an incorrect email address.

We provide you access to an online portal when you purchase a policy.  Within the portal, you may update your policy details, lodge a claim and view your policy documents.  You must not provide your login credentials to another person or allow another person to use your login credentials.  You must not use the online portal to access or modify the details of another person’s insurance policy without their express consent.  Notify us immediately if you believe unauthorised access has occurred or may occur.  We are not liable for any unauthorised access to your personal information that is not the direct result of negligence or intentional misconduct on our part.

Any information provided to us via the online portal will be taken as information provided by you.  Without further input from you, all confirmed online portal transactions will be processed.

For your convenience, our website may contain links to other websites operated by third parties, not by us.  We make no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such third-party sites.  You acknowledge and agree that we are not responsible for any loss arising from you using, accessing or attempting to access these websites.  We recommend that you take the time to read the privacy policies and terms of use of these sites.

Whilst we have undertaken all reasonable steps to ensure that the content and materials contained in our website are accurate and free from error, we do not warrant their accuracy, completeness or adequacy.  All content is subject to change without notice.  We do not warrant that our website, or websites of those linked to our website, will function as intended, be uninterrupted, or will be free from viruses or other harmful components.  All terms implied by law, except those terms that cannot be excluded lawfully, are excluded.

We shall not be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort or otherwise, which arises out of (a) the use of, or inability to use, this site or content found in this site, or (b) unless resulting from our gross negligence or intentional actions, the unauthorised access to or alteration of your transmissions or data, even if we have been advised of the possibility of such damages.  

Should you breach of these Terms of Use or any other legal obligation or law, you agree to indemnify us for any loss or damage that we may suffer or any costs that may be incurred arising from your breach.

The disclaimers, limitation of liability and indemnity provisions in these Terms of Use will survive termination.

Except where otherwise indicated, all materials contained in this website are the intellectual property of us, our affiliated companies and / or third-party licensors, and are protected by copyright, trademark or other intellectual property rights.  No part of our website may be used, copied or distributed for commercial or public use, without our prior written consent.

The material on this site is published by us and is intended for use in Australia.  The site is not intended for use outside Australia.  We make no claim that the information contained on this site is appropriate outside Australia.  If you access this website from outside Australia, you do so at your own risk and you are responsible for compliance with the laws in your respective jurisdiction.

This agreement is governed by the laws of New South Wales, Australia.  Should any provision of these Terms of Use be held invalid, unlawful or for any reason unenforceable, then it shall be severable from the remaining provisions.  Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

Any dispute arising in connection with these Terms of Use or in connection with your use of this website which cannot be resolved by good faith negotiations shall be referred to mediation or to arbitration.  However, we reserve, at our absolute discretion, our right to instigate legal proceeding prior to negotiation, arbitration or mediation against any individual, organisation or entity, who in our opinion has breached these Terms of Use.

If you have any technical issues when using this website or any suggestions on how we can improve our service, please contact us at [email protected]

© TrueCover Pty Ltd