These Online Terms and Conditions (terms of use) are prepared by Insurance Australia Limited ABN 11 000 016 722 AFSL No. 227681 trading as IAL (we, us, our) with respect to our website - www.ial.com.au(the website).

Your use of our website, including any website content, is governed by these terms of use.

As our website develops we will continue to strive to provide you with better online services. We encourage you to review these terms of use as they will be updated from time to time.

Insurance products and no advice

Our website contains information of a general nature about us and our insurance products. Full details of any insurance products sold by us are contained in the applicable policy document.

Our website does not, and does not purport to, provide you with financial product or investment advice of any kind. The information available on our website does not take account of your particular financial or insurance position or requirements. We suggest that you seek independent advice before acting upon any information found on our website or a Third Party Site.

Links to third party websites or applications

Our website may contain links to other websites or applications which are owned or operated by third parties independent of us (Third Party Sites) which includes material (including services, information, graphics, or data) which is located on such Third Party Sites (Third Party Material).

Subject to any applicable law which cannot be excluded, we make no warranties or representations:

• Regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material, or products or services available through Third Party Sites; or
• That Third Party Material does not infringe the intellectual property rights of any person.

We are not authorising the reproduction of Third Party Material by linking our website to the Third Party Material.

When following a link on our website, material at a Third Party Site may be displayed in your browser framed by site content. This material is also Third Party Material for the purpose of these terms of use.

Third Party Sites should contain their own privacy statements and those third parties are responsible for informing you about their security and personal data privacy practices.

Your privacy

Your privacy and security is important to us. Please read our Privacy Policy for information about how we handle your personal information.

Warranties

Whilst reasonable steps have been undertaken to ensure that information is free from error, to the extent permitted by law, which cannot be excluded, we do not warrant the accuracy, adequacy or completeness of any content on our website. All information is subject to change without notice. We do not guarantee that our website or any Third Party Site will be free from viruses, or that access to our website or Third Party Site will function as intended or be uninterrupted. All terms implied by law, except those that cannot be lawfully excluded, are excluded.

Limitation of liability

Subject to any responsibilities implied by law which cannot be excluded, we and our 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 referable to our website, any content on our website, Third Party Material, third party services, access (or lack of access) to our 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, howsoever caused.

Indemnity

You indemnify us (and any of its related bodies corporate) in respect of any liability incurred by us (or any of its related bodies corporate) for any loss, cost, damage or expense, howsoever caused, suffered by us (or any of its related bodies corporate) as a result of your breach of these terms of use or your use of our website.

Availability of our website

Access to our website is offered on an "as is" and "as available" basis only.

For security, technical, maintenance, legal or regulatory reasons, or due to any breach of these terms of use, we may withdraw our website (of part thereof) at any time and without notice to you.

Any cost associated with accessing our website is the user's responsibility and is dependent on the internet or telecommunications service provider used.

Restrictions on use of our website

The content contained on our website is provided solely for information only. By accessing, viewing or otherwise using our website, you agree to abide by these terms of use.

You agree that you will not, (either yourself or through any third party):

• Use any device, software, process or routine to interfere or attempt to interfere with the proper working of our website
• Use any robot, spider, screen scraper, data aggregation tool or other automatic device or process to process, monitor, copy or extract any web pages on any of our website, or any of the information, content or data contained within or accessible through any of our website, without our prior written permission
• Use any information on or accessed through any of our website for any commercial purpose (including but not limited to market research, the provision of pricing estimates or 'shadow shopping') or otherwise (either directly or indirectly) for profit or gain
• Take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to our website
• Reverse engineer, reverse assemble, decompile or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with our website; or
• Copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from our website.

Intellectual property rights

All intellectual property rights (including but not limited to copyright, trademarks, service marks, business names and domain names, goodwill, the confidentiality of confidential information (including know-how and trade secrets) and all other intellectual property rights, in each case whether registered or unregistered and including all applications and rights to apply for such intellectual property), in the material and content of our website is owned or licensed by us.

Except where necessary for and incidental to viewing or using the website via your web-enabled browser (whether on a personal computer or on a portable electronic device), or as permitted under the Copyright Act 1968 (Cth) or other applicable laws, no part of our website may be reproduced, stored (for any period of time) in an electronic or other retrieval system, adapted, uploaded to a third party location, framed, performed in public or transmitted in any form by any process whatsoever without the specific written consent of us.

Third party trademarks are trademarks of the respective third parties.

Acceptance of and changes to these terms of use

You acknowledge and accept that your use of our website indicates your acceptance of these terms of use.

These are the current terms of use. We may at any time vary these terms of use for security, legal or regulatory reasons, or to reflect updates or changes to the services or functionality of our website, by publishing the varied terms of use on our website. We do not have to indicate on our website that these terms of use have changed, neither are we under any obligation to specifically contact or notify you of any variation to these terms of use. By your use of our website after any variation, you are taken to have accepted the new terms of use.

Linking to our website

Unauthorised linking to any part of our website is expressly prohibited. Please contact us if you would like to link to any part of our website. Only written permission from us will constitute authorisation of a link.

Cookies

If you use our website to read or browse information, our computer system may record information such as the date and time of your visit, the pages accessed and any information downloaded. This information may be used for statistical, reporting, site/application administration and maintenance purposes only

Our website may use “cookies” as a fundamental part of their interaction with your internet browser. Cookies enable us to provide you with a superior, customer-oriented service. A "cookie" is a small text file placed on your computer by our web server. A cookie can later be retrieved by our website servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your browser. Cookies do not alter the operation of your computer or mobile device in any way.

Cookies may be used to collect and use information for a range of purposes, including; to maintain and improve the operation of internet sites; to track user preferences; and improve advertising relevance.

Termination

These terms of use and/or your access to our website may be terminated at any time by us. You may terminate your use of our website at any time. However, all restrictions, disclaimers and exclusions of and limitations on liability of us will survive any termination.

General

The law applicable to our website is the law of New South Wales, Australia. By using our website you irrevocably submit to the jurisdiction of the courts of the State of New South Wales, Australia.

Should any term or part of these terms of use be found to be void, unenforceable or invalid, then it is severed from this agreement, leaving the remainder in full force and effect, provided that the severance has not altered the basic nature of this agreement.

You may not rely on our words or conduct as a waiver of any right unless the waiver is in writing. “Waiver” includes an election between rights and remedies, and conduct which might otherwise give rise to an estoppel.

These terms of use are dated 7 October 2015.