Terms of Use

This website is owned and operated by Coverforce Insurance Brokers Pty Limited (ABN 11 118 883 542) as defined by the Corporations Act 2001 (‘us’, ‘our’ or ‘we’). By accessing or using this site you will be bound by the terms and conditions set out below (‘the Terms & Conditions’). We may change these Terms & Conditions at any time without notice. Any amendment will be effective immediately. Your use of this website after any amendment constitutes an Agreement by you to comply with and be bound by the amended Terms & Conditions. Accordingly, you should read these Terms of Use from time to time for changes.

About Using this website

1. Restrictions

You agree that when using the website, you will not:

• do anything which will or might damage, disrupt access to, or interfere with the proper operation of this website;
• post, distribute or send any ‘spamming material’ or any other form of bulk communication;
• impersonate any person or entity;
• publish, or disseminate any material which is unlawful, defamatory, indecent, offensive or inappropriate ;
• modify, distribute, transmit, communicate, or disseminate any content on this website; or
• use any date mining, robots, or similar data gathering and extraction methods from the website;
• transmit any material which contains viruses, or other computer codes designed to interrupt, limit or destroy the efficient operation of the website, or its software or hardware; and
• do anything which breaches or infringes our property rights in any way, including copyright.

Privacy/Data Protection Policy

Coverforce will collect, use, disclose and handle your personal information in accordance with its privacy policy, you can download our privacy policy here.

Any unauthorised use of this site may result in suspension or refusal of access to or use of this site.

Disclaimers

• This website contains general advice only. It has been prepared without taking account of any individual objectives, financial situation, specific circumstances or needs. Before acting on any advice you should keep this in mind and considered the appropriateness of the advice, having regard to your own individual circumstances.
• Coverforce has not made and does not make any express or implied warranty with the respect to the contents of this site and these terms of use.
• Coverforce excludes all liability (including any liability arising as a result of negligence) for any indirect or consequential expense, losses, damages or costs, loss of profit, lost revenue, business interruption and loss of data incurred or suffered by or awarded against you under or in any way connected with the contents of this site and these terms of use.
• The content on this site may contain inaccuracies or incomplete or out of date information that Coverforce is not currently aware of. Coverforce does not warrant that all information contained on this site is accurate, complete or current. Coverforce maintains that it is your personal responsibility to verify any information that is contained on this site. Coverforce will not be liable for any errors or omissions which may be contained in this site.
• Coverforce does not guarantee that the website will be free from viruses and accepts no responsibility for any harmful computer code that may be introduced to your personal system through use of this site. Coverforce does not guarantee that access to this site will be uninterrupted and accept no responsibility for any interruption. You acknowledge and accept that your access to this website or any product may be terminated at any time without notice.
• Any links to an external site that may be included in this site should not be construed as an endorsement. Coverforce is not responsible and cannot be held liable for any external sites which may be mentioned on this site. Coverforce makes no representation about the accuracy of any information that is contained on any other websites and reiterates that any loss, damage, cost or expense that you in incur in accessing another site will be your responsibility alone. Coverforce discloses that there are risks in using any information, software or products that are found on the internet.

2. Intellectual Property

• Coverforce reserves all copyright in the content and design of this website.
• Coverforce allows you to make a temporary copy of part or all of this website for the sole purpose of viewing it and printing a copy for personal use. Coverforce allows you to do this with no guarantee that any information that you print out is accurate (as per the above disclaimer).
• Coverforce does not grant you permission to otherwise reproduce, adapt, store, transmit, print, display, publish or create any other works from any part of the content or design of this site except with Coverforce’s prior written consent or as permitted by applicable copyright legislation.

3. Jurisdiction

• The laws that govern these terms of use will be the laws of New South Wales, Australia. The information on this site is provided for Australian residents only.
• All parties to this website submit to the non-exclusive jurisdiction of New South Wales.

Dispute Resolution

Internal Dispute Resolution

Coverforce Insurance Brokers Pty Ltd subscribe to the Insurance Brokers Code of Practice and are a member of the Australian Financial Complaints Authority (AFCA). We are committed to the fair, transparent and timely resolution of disputes. If you are unhappy with any of our services please lodge your complaint in writing or contact our Complaints Manager.

We will acknowledge your complaint in writing within 24 hours of receiving it and genuinely attempt to resolve your complaint fairly and efficiently. If your complaint is not satisfactorily resolved within 5 days, your complaint will be escalated to our Compliance Manager. You can contact the complaince Manager on 1300 503 503 or put your complaint in writing and email it to compliance@coverforce.com.au. Alternatively you can send it to the Complaints Manager at the address noted on this website. Coverforce will try and resolve your complaint quickly and fairly.

Specific contact details are as follows:

The Complaints Manager
Coverforce Pty Ltd
Level 26, Tower One, International Towers Sydney,
Barangaroo NSW 2000
1300 503 503

We will keep you informed about how we handle your complaint and provide you with the reasons for our decisions. Should we require further information in order to determine or resolve your complaint, we will then inform you of this and agree with you an appropriate time frame, keeping you informed of the progress.

External Dispute Resolution

If your complaint cannot be resolved to your satisfaction within 30 business days, you have the right to refer the matter to the Australian Financial Complaints Authority (AFCA) for further consideration and/or review. AFCA is an Australian Securities and Investments Commission (ASIC) approved external dispute resolution service accessible to clients free of charge.

AFCA Contact Details are as follows:

Post:
Australian Financial Complaints Authority Limited
GPO Box 3
Melbourne VIC 3001

Phone: 1800 931 678 (Toll Free)

Email: info@afca.org.au

Insurance Code of Practice

Please click to download:

• NIBA Code of Practice
• General Insurance Code of Practice