Terms & Conditions

Disclosure

www.incomeprotectioninsuranceadelaide.com.au is a wholly owned entity of A & T Roe Family Trust.

Acceptance and changes to terms and conditions

You agree that your use of the www.incomeprotectioninsuranceadelaide.com.au website indicates your acceptance of these terms and conditions and the privacy and security statement.

These are the current terms and conditions. They replace any other terms and conditions for the www.incomeprotectioninsuranceadelaide.com.au website published on the www.incomeprotectioninsuranceadelaide.com.au website to date. www.incomeprotectioninsuranceadelaide.com.au may at any time vary the terms and conditions by publishing the varied terms and conditions on the www.incomeprotectioninsuranceadelaide.com.au website. You accept that by doing this, www.incomeprotectioninsuranceadelaide.com.au has provided you with sufficient notice of the variation. www.incomeprotectioninsuranceadelaide.com.au reserves any rights not expressly granted in these terms and conditions.

Access for persons from Australia only

www.incomeprotectioninsuranceadelaide.com.au is not authorised to carry on business in any jurisdiction other than Australia. Accordingly, the information contained in this website is directed to and available for Australian residents only.

General information only

The information on this website is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. It should not be construed as financial, taxation or legal advice.

Before acting on the basis of this information, you should consider its appropriateness to your own objectives, financial situation and needs. You should also obtain and read a copy of the relevant Product Disclosure Statement before making any decision to acquire a financial product.

Accuracy of information and limitation of liability

www.incomeprotectioninsuranceadelaide.com.au does not warrant the accuracy, completeness or currency of information made available through this website. www.incomeprotectioninsuranceadelaide.com.au will not be liable for or in connection with any loss or damage arising from any inaccuracies, errors or omissions in information made available through this website. However, www.incomeprotectioninsuranceadelaide.com.au will endeavour to ensure that information is updated as soon as practicable when it becomes aware that material changes have occurred.

www.incomeprotectioninsuranceadelaide.com.au makes no warranty that the use or operation of this website will be uninterrupted or error-free or that the website is suitable for any particular purpose or has any performance, functionality or security features except as www.incomeprotectioninsuranceadelaide.com.au is required to provide by law. To the extent permitted by law, www.incomeprotectioninsuranceadelaide.com.au’s liability is limited to resupplying the services accessible through this website.

Copyright

www.incomeprotectioninsuranceadelaide.com.au and related logos are trademarks registered in Australia. Copyright in the information provided on, and available from, this website is owned by www.incomeprotectioninsuranceadelaide.com.au. You may not alter or modify this information in any way. This information may be viewed online and may be reproduced in hard copy only for your personal reference. You may only use the trade marks and copyright material on this website with www.incomeprotectioninsuranceadelaide.com.au’s express permission and in accordance with www.incomeprotectioninsuranceadelaide.com.au’s directions from time to time. The use of, and creation of links to, this website (including use of www.incomeprotectioninsuranceadelaide.com.au trade marks and copyright material) are at the risk of the user and are subject to www.incomeprotectioninsuranceadelaide.com.au’s rights and the user’s general legal obligations. www.incomeprotectioninsuranceadelaide.com.au makes no warranty and accepts no liability in relation to use of the trademarks outside Australia. For further information about creating links to this website and about using www.incomeprotectioninsuranceadelaide.com.au trademarks and other material, contact www.incomeprotectioninsuranceadelaide.com.au at This email address is being protected from spambots. You need JavaScript enabled to view it..

Links to other websites

This website may have links to other websites, which are operated by third parties. www.incomeprotectioninsuranceadelaide.com.au does not endorse or approve the information, graphics and materials that may be contained on those websites.

Furthermore, www.incomeprotectioninsuranceadelaide.com.au does not make any warranties or representations regarding the accuracy, quality or timeliness of such third-party information.

Hence, www.incomeprotectioninsuranceadelaide.com.au advises that you do not act on the information contained within these websites without obtaining independent legal advice.

Jurisdiction

Users of this website covenant that all disputes will be governed by and construed in accordance with the laws of the state of South Australia, Australia, and all users and www.incomeprotectioninsuranceadelaide.com.au submit to the non-exclusive jurisdiction of the courts of that state.

Date of Publication: July 29, 2013