Terms of Use

Legal notices

Please read these terms carefully before using this site.

This website (the 'Site') is provided by Helia Group Limited (‘Helia’), subject to the following Terms of Use, which may be updated by us from time to time without notice. This Site provides you with certain services, including but not limited to, access to information about the products and services offered by Helia and may provide you with information regarding other products or offerings by Helia's related bodies corporate ('Affiliates') and other third party providers ('Providers'). Use of this Site and the services are subject to these Terms of Use, the Privacy Policy, notices, disclaimers and any other terms and conditions or other statements contained on this Site and all applicable laws. Certain areas within this Site may be subject to additional or different terms and conditions of use, which are posted in those areas. By using the Site, you agree to abide by all of the terms and conditions set forth in this notice. Unless stated otherwise, any new services and materials added to this Site also will be covered by these Terms of Use.

Please read these terms carefully. If you do not agree with any of these terms or conditions, do not access or otherwise use this website or any information contained on this website. Your access and use of this website constitutes your agreement to abide by each of the terms and conditions set forth below.

Limited licence

Subject to these Terms of Use, Helia grants you a non-exclusive, non-transferable, limited right to access, use and display this Site and the materials thereon. You agree not to interrupt or attempt to interrupt the operation of the Site in any way. Helia authorises you to view and download the information ('Materials') at this Site only for your individual use, unless otherwise expressly specified in these Terms. This authorisation is not a transfer of title in the Materials and copies of the Materials and, unless otherwise expressly specified in these terms, is subject to the following restrictions: 1) you must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained in the Materials; 2) you may not adapt nor modify the Materials in any way or reproduce or publicly display, perform, distribute, or create derivate works or otherwise use them for any public or commercial purpose (other than for your own benefit); and 3) you must not transfer the Materials to any other person. You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time.

In relation to the Tools and Resources section, Helia may, on request, authorise certain users of this Site to: 1) view and download the Materials contained in the Tools and Resources or use in connection with their business; 2) to adapt and modify the Materials; 3) reproduce and publicly display the Materials; and 4) create derivative works using the Materials; provided that the Materials are reproduced exactly and that such use is otherwise in accordance with these Terms. Helia reserves the right to revoke this consent to use Materials contained in the Tools and Resources section at any time in its sole discretion.

No offer

The information on this Site is not an offer by or on behalf of Helia or its related bodies corporate to sell, or solicit an offer to buy, any security or insurance product.

References to ratings

Any financial strength or credit ratings of Helia or its related bodies corporate, which may be provided on this Site, are determined by ratings agencies. They do not, and are not intended to, constitute the provision of financial product advice by Helia or its related bodies corporate in relation to any financial product including, without limitation, any securities of, or other financial products issued by, Helia or its related bodies corporate. The ratings are subject to change from time to time. You should seek your own professional advice before relying on any ratings referred to on this website.

No professional advice

The information available on the Site is intended to be a general information resource regarding the matters covered, but is not offered as legal, accounting, tax or other financial advice, and is not tailored to a customer's specific circumstances.

All information, opinions and advice available on this Site should be evaluated in consultation with a legal, accounting, tax, investment or other financial specialist.

Copyright/Trademarks

This Site, including all Materials, is copyrighted and protected by worldwide copyright, trade mark and intellectual property laws and treaty provisions. You agree to comply with all such laws worldwide in your use of this Site and to prevent any unauthorised copying of the Materials. Except as expressly provided herein or where necessary for viewing the documents or information on the Site on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws, Helia does not grant any express or implied right to you under any patents, trademarks, copyright or trade secret information.

Disclaimer

You expressly understand and agree that: (1) your use of this Site and the services and materials provided at the Site are at your sole risk, and (2) the materials may contain inaccuracies and typographical errors. Helia, its related bodies corporate and the Providers do not warrant the accuracy or completeness of the materials or the reliability of any advice, opinion, statement or other information displayed or distributed through the Site. You acknowledge that any reliance on the material or any opinion, advice, statement, memorandum, or information shall be at your sole risk.

Helia, its related bodies corporate and the Providers (as to their materials only) reserve the right, in their sole discretion, to correct any errors or omissions in any portion of the Site. We use reasonable efforts to provide you with accurate information. We reserve the right, however, to make corrections and/or changes should this information prove to be inaccurate. Helia, its related bodies corporate and the Providers (as to their materials only) may make any other changes to the Site, the materials and the products, programs, services or prices (if any) described in the Site at any time without notice.

To the extent permitted by law, this Site, the services, information and materials on the Site as well as any software made available on the Site, are provided 'as is' without any representation or warranty, express or implied, of any kind, including, but not limited to, warranties of merchantability, noninfringement, or fitness for any particular purpose. If any statute implies terms into these Terms of Use which cannot be lawfully excluded, then those terms will apply and, to the extent permitted by law, the liability of Helia for the breach of any such term will be limited, at the option of Helia, to any one or more of the following:

• In the case of goods, the repair or replacement of the goods or payment for cost of repair or replacement; or
• In the case of services, resupply of the services or payment of the cost of the resupply

Limitation of Liability

You understand and agree that, to the extent permitted by law, Helia, its related bodies corporate and the Providers will not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages, costs or loss of products, use, data or other intangible losses, even if we have been advised of the possibilities of those damages, resulting from: (i) your use of or inability to use the Site, the services, or materials, or (ii) obtaining substitute products and/or services, or (iii) the use of any data, information, products or services obtained from transactions entered into through the website, or (iv) any statement or conduct of any third party, or (v) any other matter related to the Site, the services or materials.

Third party sites

As a convenience to you, Helia and its related bodies corporate may provide, on this Site, links to websites operated by other entities. If you use these sites, you will leave this Site. If you decide to visit any linked site, you do so at your own risk, subject to that site's terms and conditions of use and privacy policy that may be different from those of this Site. It is your responsibility to take all protective measures to guard against viruses or other destructive elements you may encounter on these sites. Helia and its related bodies corporate make no warranty or representation regarding, and do not endorse, any linked websites or the information appearing thereon or any of the products or services described thereon. Links do not imply that Helia, its related bodies corporate or this Site sponsors, endorses, is affiliated or associated with, or is accessible through the links, or that any linked site is authorised to use any trademark, trade name, logo or copyright symbol of Helia or any of its related bodies corporate.

External links to the site

Unless otherwise expressly specified in these terms, all links to the Site must be approved in writing by Helia, except that Helia consents to links in which: (i) the link is a text-only link containing only the name Helia Group Limited, (ii) the link 'points' only to www.helia.com.au and not to deeper pages, (iii) the link, when activated by a user, displays that page full-screen in a fully operable and navigable browser window and not within a 'frame' on the linked website, (iv) the appearance, position, and other aspects of the link neither create the false appearance that an entity or its activities or products are endorsed by, affiliated or associated with or sponsored by Helia nor be such as to damage or dilute the goodwill associated with the name and service marks/trademarks of Helia or its related bodies corporate, nor passes off Helia or its related bodies corporate's documents or information as those of another party, and (v) the content does not contain any material that is offensive or distasteful or contravenes any law. Helia reserves the right to revoke this consent to link at any time in its sole discretion.

In relation to the Tools and Resources section, Helia may, on request, authorise certain users of the Site to link to pages other than www.helia.com.au which may be contained in that section. Helia reserves the right to revoke this consent to link at any time in its sole discretion.

Viruses

There is always the possibility of unknowingly acquiring computer viruses on the Internet and we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. Helia and its related bodies corporate are not responsible or liable for any damage caused by viruses or related hazards, whether or not that virus or hazard resulted from a visit to this Site. You, and not Helia or its related bodies corporate, assume the entire cost of all necessary servicing, repair, or correction related to computer viruses.

Information provided by you

These Terms of Use incorporate, and should be read together with, the Helia Privacy Policy which is on this Site. The Privacy Policy describes how Helia may collect, use and disclose personal information. The Privacy Policy also describes how this website may collect, store and use cookies.

If you provide Helia with any information about any individual other than yourself, then you agree to first obtain that individual's written consent, or to otherwise ensure that Helia may lawfully collect that information without taking any prior steps. You must also ensure that each such individual is aware of these Terms and the terms of Helia's Privacy Policy.

To use certain Services on this Site, you may have to register. You agree to provide true, accurate and current information about yourself as prompted by the registration and application forms on this Site. If any information you provide is untrue, inaccurate, incomplete or not current, or if Helia or any related bodies corporate have reasonable grounds to suspect that such information is untrue, inaccurate, incomplete or not current, Helia, in its sole discretion, has the right to suspend or terminate your access to the Site. Further, you agree that Helia will not be liable to you or any third party if Helia terminates your access to the Site, and the Services or Materials thereon, for any reason.

Except for the information you submit during the registration process or during the use of any other service offered through this Site (the 'Permitted Information'), Helia Group Limited. and its related bodies corporate do not want you to, and you should not, send any confidential or proprietary information to Helia Group Limited or its related bodies corporate via the Site. You agree that any information or materials that you or individuals acting on your behalf provide to Helia Group Limited or its related bodies corporate other than the Permitted Information will not be considered confidential or proprietary. By providing any such information or materials Helia Group Limited or its related bodies corporate, you grant to Helia Group Limited and its related bodies corporate an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, transmit, distribute and sub-license to others such information and materials, and you further agree that Helia Group Limited and its related bodies corporate are free to use, and allow others to use, any ideas, concepts or know-how that you or individuals acting on your behalf provide to Helia Group Limited or its related bodies corporate. You further recognise that Helia Group Limited and its related bodies corporate do not want you to, and you warrant that you shall not, provide any information or materials to Helia Group Limited or its related bodies corporate that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.

Commercial electronic messages

If you express interest in products or services through your use of this website, you consent to Helia sending commercial electronic messages (including messages about Helia products and services and the products and services of third parties) to electronic addresses which you have provided to Helia or for which you or your employer (or your employer's related bodies corporate) are the relevant electronic account holder.

Notices

Notices from Helia and its related bodies corporate to you regarding your use of the Site, the Services and Materials will be made by e-mail or regular mail, in the sole discretion of Helia or the applicable Affiliate, unless otherwise required by law or contract.

General terms

Helia reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Terms of Use in whole or in part, at any time without notice; you should periodically revisit this Site to review the current terms and conditions by which you are bound. Changes in these Terms of Use will be effective when posted. Your continued use of the Site, the Services and Materials after any changes to these Terms and Conditions of Use are posted will be considered acceptance of the changes.

Helia may terminate, change, suspend or discontinue any aspect of the Site, including the availability of any features of the Site, at any time without notice. Helia may also impose limits on certain features and services or restrict your access to all or parts of the Site without notice or liability. Helia may terminate the authorisation, rights and license given above.

The Terms of Use constitute the entire agreement between Helia, and/or its applicable related bodies corporate and you in connection with your use of this Site, the Services and the Materials. If for any reason a court of competent jurisdiction finds any provision of these Terms of Use or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of these Terms of Use, and the remainder of the Terms of Use shall continue in full force and effect. In the event of termination, the disclaimers and limitations of liabilities set forth in the Terms of Use will survive.

The Terms of Use will be deemed to include all other notices, policies, disclaimers and other terms contained in this Site and in other contracts that you may have executed with Helia and its related bodies corporate.

International users and choice of law

This Site is controlled, operated and administered by Helia from its offices within Australia. Helia makes no representation that materials at this Site are appropriate or available for use at other locations outside Australia and access to them from territories where their contents are illegal is prohibited. If you access this Site from a location outside Australia, you are responsible for compliance with all local laws.

Governing law

These Terms of Use shall be governed by the laws of New South Wales, Australia.

Requirement of written agreement

The purchase or sale of insurance and/or securities between Helia and its customers are governed by written policies or contracts. The terms of these policies or contracts are binding on the parties. No other representation, whether made in person, online, electronically (including, but not limited to, representations on this Site), in writing, or by graphic or verbal communication may alter the terms of those policies or contracts.

Legal notice

The material on this website is for informational purposes only and it covers a variety of topics on insurance and other financial products and services. Although some of the information involves tax, legal, accounting or similar issues, neither Helia, its related bodies corporate offering the products or services nor their agents or affiliates, are in the business of offering such advice. In addition, advice on such matters must fit your particular circumstances. Consequently, we strongly encourage you to consult with your own professional advisors to examine the legal, tax, accounting or investment aspects of any information presented on this website and how they may affect your particular situation.

This Site is not intended for distribution to, or use by, any person or entity in any country or jurisdiction where such distribution or use would be contrary to local law or regulation. By offering this Site and information, or any products or services via this Site, no distribution or solicitation is made by Helia or its related bodies corporate to any person to use this Site, or such information, products or services in jurisdictions where the provision of this Site and such information, products and services is prohibited by law.

The information contained on this website is inherently limited in scope and may change without notice. The information also does not contain all of the applicable terms, conditions, limitations or exclusions of the products or services described.

Copyright notice

Except as otherwise noted on this website, all copyright in the contents of this website belong to Helia, its related bodies corporate and licensors. All rights are reserved. To the extent permitted by law, no part of the materials on this website, including website text, graphics and html code may be reproduced or transmitted in any form by any means without the express written consent of Helia.