Massage Insurance Online - Terms & Conditions | Aon Insurance Brokers Australia

Terms and Conditions

About this website

Thank you for visiting this site. This website is owned and operated by Aon Risk Services Australia Limited (ABN 17 000 434 720 AFSL No. 241141) (Aon) or its related entities 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 the Promotion: “AAMT 15 months cover for the price of 12 Policy”

1.	The “15 months cover for the price of 12 Promotion” (Promotion) commences 12:00am AEST on 1st February 2011 and closes 11:59pm AEST on 1st February 2012 ("Promotion Period"). The Promoter is Aon Risk Services Australia Pty Ltd (ABN 17 000 434 720, AFSL No. 241141) of Level 33, 201 Kent Street, Sydney, NSW, 2000 (Promoter) as agent for and on behalf of Vero Insurance Limited (ABN 48 005 297 807 AFSL 230859) (Insurer).

2.	Participation in the Promotion is only open to current members of the Australian Association of Massage Therapists (AAMT) who satisfy the eligibility criteria set out in these Terms and Conditions.

3.	To be eligible to participate in the Promotion, an AAMT member must: during the Promotion Period, successfully purchase an AAMT Massage Therapist’s Combined Malpractice, Public and Products Liabilities policy (AAMT Policy), either via the Aon website or the Aon Contact Centre, and not have had any special conditions imposed by the Insurer on their policy; and be a new customer to the Promoter (that is, they must not have arranged for the issue of an AAMT Policy or an equivalent policy at any time previously through the Promoter)
4.	Subject to these Terms and Conditions, each Eligible Customer will be awarded a complimentary three month extension to their AAMT Policy (Extension). Aon reserves the right to revoke the Promotion, including the grant of any existing Extension, if the offer is suspended or withdrawn by the Insurer and to the extent permitted by law, the Customer releases the Promoter from any liability that may result from such suspension or withdrawal.

5.	The Extension is allocated to an AAMT membership number listed on the Insurance Policy Schedule. The Extension is not transferable or exchangeable and cannot be taken as cash. The Eligible Customer will be sent details of their Extension on their Policy Schedule within three (3) business days of payment of the new policy via email notification, or if no email address is provided, at the Eligible Customer's nominated address. The Promoter takes no responsibility for late, lost or misdirected mail.

6.	Subject to any applicable terms and conditions contained in the AAMT Policy, the Promoter reserves the right to cancel the Eligible Customer's Extension if the policy is cancelled either mid-term or during the cooling-off period. These Terms and Conditions are subject to change without prior notice and any changes will be made publically available on this webpage: aon.com.au/aamt-terms.

7.	General Advice Warning: This insurance is arranged by Aon Risk Services Australia Limited (ABN 17 000 434 720 AFSL No. 241141) as agent for and on behalf of the insurer, Vero Insurance Limited (ABN 48 005 297 807 AFSL 230859). The information contained on this website about Aon products is general in nature and should not be relied on as advice (personal or otherwise) because your personal needs, objectives and financial situation have not been considered. So before deciding whether a particular Aon Risk Services product is right for you, please consider the relevant Financial Services Guide or contact us to speak to an adviser.

About buying insurance online

Who can buy insurance online?
Only Australian residents are able to buy insurance online through us.

How can I apply?
You can apply for an online quote by completing and submitting the information requested on our quote pages (Quote Application). Provided that you satisfy the requirements contained in the relevant underwriting guidelines, we will then give you a quote (Quote).

If you decide you want to purchase an insurance policy online based on that Quote, and we offer you that option, you should provide us with the information requested and submit a request to purchase (Insurance Application). Your Insurance Application is complete when both of the following conditions are satisfied:

our server has received the electronic instruction offering to purchase insurance from us, and
your Insurance Application is recorded within our database and is accepted by the Insurer.

We will let you know when your Insurance Application has been accepted by showing your new policy number on the screen you have been using to apply for insurance. If you don’t receive a policy number from us then your Insurance Application has not been accepted.

Please note that we will assume that an electronic instruction is authentic. We have no obligation to authenticate the person issuing or transmitting the electronic instructions or to verify the accuracy or completeness of the electronic instructions. We may act on the electronic instructions sent or received through our website without any reference to you.

Any application for insurance made using this site is subject to disclosure obligations, an approval process and relevant policy terms and conditions.

How can I pay?
Any insurance policy purchased via this website must be paid for by direct debit or one of the credit cards we accept. If you elect to pay by credit, you will need to provide us with the following details:

Type of credit card
Card number
Name of credit card holder
Expiry date, or
Details of your current Bank, Credit Union or Building Society account, including Account name, BSB and Account number

For your protection, your confidential credit information is encrypted using a secure server. The amount or amounts due must be paid in full by clear funds by the due date. Details of your payment plan will be provided with your policy documents.

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, or any transaction being conducted on it; do anything which will or might place an unreasonable load on the website infrastructure; 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 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.
2.	Disclaimers: *Accuracy* Whilst we will use our best endeavours to ensure that the information on the website is up-to-date, we don't warrant the accuracy, adequacy of, or completeness of, any information contained on this website. Please feel free to write to us at the address below if you spot an error. *Availability and access* We will take reasonable steps to provide a safe and reliable service but there are some risks with using the internet. We do not guarantee that the website will be free from viruses and accept no responsibility for any harmful computer code that might be introduced to your system by using this website. We do not guarantee that access to this website will be uninterrupted and accept no responsibility for any interruption. Your access to this website or any product may be terminated at any time, without notice. You may not be authorised to access the website after termination but the limitation of liability and indemnity provisions in these terms will survive the termination. Any licenses or other rights you granted to us will also survive termination *Website Links* Our website may be linked to other websites. They are provided for your convenience only. Links to an external site should not be construed as an endorsement. We make no representation about the accuracy of any information contained on any other websites. We are not responsible for any loss, damage, cost or expense you incur in accessing or attempting to access such a site. You must obtain our prior written permission to link to this website.
3.	Intellectual Property: We own certain registered trademarks which may appear on this website. Unauthorised use is prohibited. We also own the copyright in the information and material on this website or we have the right to use it under a license or agreement. You may print out or download a copy for your personal, non-commercial use. Except as provided by the Copyright Act 1968 or any other applicable law, all other use, copying or reproduction of all or part of this website is prohibited.

4.	Liability & Indemnity: Except for obligations implied by law that cannot be excluded, you agree that neither we, nor our directors, employees, agents, contractors and related entities will be liable for any loss arising out of or referable to material on this website, or use of or access to this website. To the extent permitted by law, this includes any loss arising as a result of any unauthorised access or breach of security to this site, for whatever reason; arising as a result of any delay in effecting any transaction attempted to be processed through this site, for whatever reason; arising as a result of any failure to effect any transaction attempted to be processed through this site, for whatever reason; arising as a result of any error, omission or misrepresentation in relation to this site or arising from the transmission of any computer virus. You agree that in no circumstances will we or our directors, employees, agents, contractors and related entities, be liable for any indirect, incidental, special or consequential loss, damage, liabilities, claims and expenses (including legal costs and defences and settlement costs). You agree to indemnify us, our directors, employees, agents, contractors and related entities for any loss suffered, or any costs that may be incurred arising from your breach of these terms or any other legal obligation, or your access to this website.

5.	Jurisdiction: The information on this website is provided for Australian residents only. The law applicable in New South Wales will apply to the use of this website. The parties submit to the courts of New South Wales.

6.	Aon Privacy Policy: Your privacy is very important to us. We may ask you to provide personal information when you are using this site for the purpose of providing services to you. The way in which we collect, use and disclose personal information is more fully set out in our Privacy Policy available on our website at www.aon.com.au/privacy.

7.	Contact Us: If you have any technical issues when using this website or any suggestions on how we can improve our service to you, please contact the Web Administrator at au.interactive@aon.com

8.	System Requirements: To get the best from this website we recommend using Internet Explorer 7 or 8. Download Internet Explorer.

About the Insurer

Vero Insurance Limited is a member of the Suncorp Group. The Privacy Act 1988 (Cth) requires us to inform you that:

Purpose of collection
Personal information is information about an identifiable individual and includes facts or an opinion about you which identifies you or by which your identity can be reasonably determined. The collection of your personal information is essential to enable us to conduct our business of offering and providing you with our range of financial products and services.

We collect personal information for the purposes of:

identifying you when you do business with us;
establishing your requirements and providing the appropriate product or service;
setting up, administering and managing our products and services;
assessing and investigating, and if accepted managing a claim made by you under one or more of our products;
improving our financial products and services, including training and developing our staff and representatives.

We may be required by Anti-Money Laundering/Counter Terrorism Financing legislation to collect your personal information.

Consequences if personal information is not provided
If we request personal information about you and you do not provide it, we may not be able to provide you with the financial product or service that you request, provide insurance cover, manage or pay any claim under an insurance policy, manage your product or provide any benefits, or provide you with the full range of services we offer.

Disclosure
We use and disclose your personal information for the purposes we collected it.

We may also use and disclose your personal information for a secondary purpose related to the purpose for which we collected it, where you would reasonably expect us to use or disclose your personal information for that secondary purpose. In the case of sensitive information, any secondary purpose, use or disclosure will be directly related to the purpose of collection.

When necessary and in connection with purposes listed above, we may disclose your personal information to and/or collect your personal information from:

other companies within the same Group;
where required or authorised under our relationship with our joint venture companies;
information technology providers, including hardware and software vendors and consultants such as programmers;
customer research organisations;
intermediaries including a representative acting on your behalf, other Australian Financial Services Licensee or our authorised representatives and our agents;
where you are an insured person and not the policy holder, we will disclose to the policy holder;
government, law enforcement or statutory bodies;
the Financial Ombudsman Service;
other insurers, financial institutions, insurance and claims reference agencies, credit agencies, loss assessors, financial or investigative service providers;
legal and other professional advisers;
hospitals, medical and health professionals;
research and development service providers;
printers and mail service and delivery providers for the mailing of statements, insurance policy documents and marketing material; and
imaging and document management services.

Disclosure overseas
There are also instances where we may have to send your personal information overseas or collect personal information from overseas. These instances include:

sending your personal information to companies in the same Group;
when you have asked us to do so;
when we are authorised or required by law to do so;
when we have outsourced a business activity or function to an overseas service provider with whom we have a contractual arrangement; or
certain electronic transactions
when it is necessary in order to facilitate a transaction on your behalf.

We will only send your personal information overseas or collect personal information about you from overseas for the purposes in this statement and in compliance with the privacy regime.

Access
You can request access to the personal information we hold about you by contacting us.

In some circumstances, we are able to deny your request for access to personal information. If we deny your request for access, we will tell you why.

If accessing your personal information will take an extended period of time, we will inform you of the likely delay. For more detailed requests for access to personal information, for example, access to information held in archives, a fee may be charged to cover the associated cost of retrieval and supplying this information.

Marketing
We would like to use and disclose your personal information to keep you up to date with the range of products and services available from us and other companies within the same Group. Generally, our companies in the Group will use and disclose your personal information for the Group’s marketing purposes.

If you do not want us to use and disclose your personal information for the purpose of marketing products and services to you, please advise.

Contact
Please contact us to:

change your mind at any time about receiving marketing material;
request access to the personal information we hold about you; or
obtain more information about our privacy practices by asking for a copy of our Privacy Policy;

You can contact us by sending a letter to

The Privacy Officer
GPO Box 3999
Sydney NSW 2001
Our Privacy Policy can also be found on our website at
http://www.suncorp.com.au/suncorp/legal/privacy_policy.aspx