LogoKeep Insurance Co

Terms and Conditions

BACKGROUND

  • Welcome to Keep Insurance Co! These Terms explain how you can use our website and services.
  • By using our services, you agree to these Terms.
  • Our services are for Australian residents aged 18 or older.

SERVICES

We offer the following services:

  • Comparison Service: Compare life insurance products online, using a tool that provides pricing and feature summaries.
  • Dealing Service: Apply for approved insurance products through our website.
  • Adviser Services: Tools to help you manage your policies, including updates and assessments.
  • Referral Services: Referrals to third-party financial advisers for additional support.

Our services are limited to products we've approved. These may change without notice.

Comparison Service

  • The Comparison Service provides general information and does not consider your personal financial situation, goals, or needs.
  • The tool is based on your inputs and may not include all products or features available on the market.
  • Important Notes:
    • Results are not an opinion, offer, solicitation, recommendation, or endorsement from us regarding any product, feature, or level of coverage.
    • Product terms and pricing are subject to change and final approval by the product issuer. The issuer may revise terms or refuse to provide coverage during their underwriting process.
    • We rely on third-party data, which we don't verify. Always check the Product Disclosure Statement (PDS) and confirm details directly with the product issuer before making decisions.

Dealing Service

  • The Dealing Service allows you to apply for insurance products through our online platform, which facilitates the interaction between you and the product issuer.
  • While we provide the platform to connect you with the product issuer, the final terms, conditions, pricing, and decisions about issuing a product are made solely by the product issuer.
  • It is your responsibility to answer all questions from the product issuer fully and honestly to the best of your knowledge. Failing to do so may result in your cover being voided, including at the time of a claim.
  • Any issues, claims, or complaints regarding a product or the Product Issuer's decision-making (e.g., policy terms, pricing, cancellations, or claims processing) must be addressed directly with the Product Issuer.

Adviser Services

Our Adviser Services include tools to help you manage your policies, such as:

  • Tracking application status.
  • Viewing and updating policy details.
  • Assessing coverage needs and comparing products.
  • Requesting policy alterations or other updates.
  • Important Notes:
    • These tools are for general guidance only and don't replace professional financial advice.
    • Results are based on the information you provide. They don't cover all possible scenarios and may omit conditions relevant to your situation.
    • You are fully responsible for any instructions you provide through these services, and changes made based on your instructions may not be reversible.

Referral Services

  • We can refer you to third-party financial advisers for personalised advice.
  • These advisers operate independently, and we are not responsible for their services or advice.
  • Any fees, agreements, or disputes with third-party advisers are strictly between you and them.
  • We may receive referral fees for connecting you to a third party adviser.

Fees and Rebates

  • We earn commissions from insurers for products you purchase through our platform.
  • You may be eligible for rebates on these commissions. Details about fees, rebates, and promotions are available on our FAQ page.
  • Rebates are paid based on your eligibility and the terms outlined at the time of engagement.

Your Account

  • Some services require an account, which you create by providing a valid email and password.
  • You are responsible for:
    • Keeping your password secure.
    • Updating your contact and payment details when they change.
  • We will rely on the details in your account for communication and payments. If these are incorrect, it's your responsibility.

Privacy

  • We take your privacy seriously. Your personal information is handled according to our >Privacy Policy.
  • You can update your details anytime through your account.
  • For information on how we use and protect your data, or how to make a privacy complaint, refer to our Privacy Policy.

Important Disclosures

  • Any advice on our website or services is general advice only and doesn't consider your financial situation or goals.
  • Before making any decisions, always:
    • Review the Product Disclosure Statement (PDS) for any product.
    • Seek professional advice if you're unsure whether a product is suitable for you.

Intellectual Property

  • All tools, content, and software on our platform belong to Keep Insurance Co.
  • You may use these for personal, non-commercial purposes while using our services.
  • Don't copy, reverse-engineer, or misuse our content, logos, or materials.

Third-Party Interactions

  • We may provide links to third-party websites or connect you with financial advisers, but we are not responsible for their content, actions, or advice.
  • Any agreements, disputes, or issues with third parties are solely between you and them.

Liability

  • We gather information from third-party sources to provide content on our website. However, due to the nature of external data, there may be inaccuracies that are beyond our control. We provide all website materials "as is" and do not guarantee that they are completely error-free, always accurate, or continuously available without interruption.
  • To the maximum extent allowed by law, we disclaim all warranties, whether express or implied. We are not liable for any disruptions or inaccuracies on the website, nor are we responsible for any direct, indirect, incidental, consequential, or special damages that arise from your use of the website or our comparison tool.
  • Keep Insurance Co also disclaims any liability related to the information and recommendations provided on the website. Choosing an insurance product, the type of coverage, and the amount of coverage is your responsibility. We strongly advise you to read all provided information carefully before making any insurance decisions. If you have questions or need more details about a particular insurance product, you should review the relevant Product Disclosure Statement (PDS) or contact either us or the insurance provider directly.

Representations and Warranties

You represent and warrant that:

  • You have the legal capacity to agree to and fulfill these Terms.
  • Your use of our services complies with all applicable laws and regulations.
  • All information you provide to us is accurate, true, and not misleading. You agree to notify us immediately if this changes.
  • You acknowledge that your use of the services may be suspended at our discretion if you breach these Terms.

Indemnity

You agree to indemnify us and our officers, directors, and employees from and against any claims, losses, or damages arising from:

  • Your breach of these Terms.
  • Any financial product you acquire, change, or cancel using our services.
  • Disputes with a product issuer or third-party adviser.
  • Your failure to provide accurate or complete information.

Termination

  • You or we can terminate your use of our services at any time.
  • If your account is terminated, you'll have 30 days to access and download any important documents.

Updates to Terms

  • We may update these Terms occasionally. Check our website for updates.
  • By continuing to use our services after changes are posted, you agree to the new Terms.
  • If you don't agree with the updated Terms, you can stop using our services.

Non-Excludable Provisions

Nothing in these Terms excludes, restricts, or modifies any rights, guarantees, or remedies under Australian Consumer Law or similar legislation that cannot be lawfully excluded. Where permitted, our liability is limited to supplying the services again or reimbursing the cost of providing the services.

Governing Law

These Terms are governed by the laws of New South Wales, Australia. Any disputes will be handled by the courts of New South Wales.

Taxes

You are responsible for any taxes related to your use of our services or products.

Contact Us

For any questions about these Terms, please contact us at admin@keepinsuranceco.com.au