1. REGISTRATION

When you generate a quote with any of our platforms, we will create an account for you. Each quote has a reference number, and any reference number may be used along with your email address to access your account. You are responsible for keeping this information secure and you agree and warrant to use the website in accordance with these Terms and Conditions and the Privacy Policy.

We may deal with your personal information in accordance with our Privacy Policy as amended from time to time. We may use your personal information for promotional and marketing purposes until you request to opt out of receiving such information and we use your personal details for transactional emails as outlined in the Privacy Policy.

We may disclose that information to third parties that help us deliver our services (including information technology suppliers, communication suppliers, and our business partners) or as required by law.

2. COLLECTION NOTICE

By providing your personal information to us, you consent to the collection, use, storage and disclosure of that information as described in the Privacy Policy and these Terms and Conditions.

Our Privacy Policy explains: (i) how we store and use, and how you may request access to your information or request to correct your personal information; and (ii) how we maintain the security of your information. If you would like any further information about our privacy policies or practices, please contact us at [email protected]

3. ACCURACY, COMPLETENESS, AND TIMELINESS OF INFORMATION

The information on our website is not comprehensive and is intended to provide a summary of the subject matter covered. While we use all reasonable attempts to ensure the accuracy and completeness of the information on our website, to the extent permitted by applicable law, we make no warranty regarding the information on this website. You should monitor any changes to the information contained on this website by checking it periodically.

We are not liable to you or anyone else if interference with or damage to your computer systems occurs in connection with the use of this website or a linked website. You must take your own precautions to ensure that whatever you select for your use from our website is free of viruses or anything else (such as worms or Trojan horses) that may interfere with or damage the operations of your computer systems.

We may, from time to time and without notice, change or add to the website (including the Terms and Conditions) or the information, products or services described in it. However, we do not undertake to keep the website updated. We are not liable to you or anyone else if errors occur in the information on the website or if that information is not up-to-date.

4. PURCHASES

4.1. Payment & Cancellation Terms
Upon clicking the payment button or purchasing a plan from our partners you are agreeing to the terms and conditions of payment and the terms of use as outlined in this document. Your credit card or bank card will be deducted by the amount shown on the payment page in the currency nominated. Any applicable credit card fees will be displayed. It is solely your responsibility to ensure that the item you book, purchase, or reserve is suitable for your intended purpose, that the information is accurate, and that you have understood the terms of the plan including the cancellation terms. You also warrant that you are authorised to use the payment instrument that you used is correct. You release us from any claim arising from the sale of goods.

4.2. Cancellation
Cancellations, if eligible, are permitted for a period of time after the transaction. Please check your plan terms as the cancellation rights differ based on the product that you have purchased.

5. LINKED SITES

Our website may contain links to websites operated by third parties. Those links are provided for convenience and may not remain current or be maintained. Unless expressly stated otherwise, we do not endorse and are not responsible for the content on those linked websites and have no control over or rights in those linked websites. You are responsible for reading the terms and conditions and privacy policy of any third party website.

6. INTELLECTUAL PROPERTY RIGHTS

Any intellectual property created while using the site vests solely with the person who created it – but you grant us an unlimited, royalty free license to use and display anything which you (with our consent) create or post on the site. You may not use any of our intellectual property (including our name, logo or content) without our prior written approval. You must notify us immediately if you become aware of any advertisement on our website which infringes the intellectual property rights of any third party.

Any reproduction or redistribution of this website or the content is prohibited and may result in civil and criminal penalties. In addition, you must not copy the content to any other server, location, or support for publication, reproduction, or distribution is expressly prohibited.

All other use, copying or reproduction of this website, the content or any part of it is prohibited, except to the extent permitted by law.

7. NO COMMERCIAL USE

This website is for your personal, non-commercial use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, commercially exploit, create derivative works from, transfer, or sell any content, software, products or services contained within this website. You may not use this website, or any of its content, to further any commercial purpose, including any advertising or advertising revenue generation activity on your own website.

8. UNACCEPTABLE ACTIVITY

You must not do any act that we would deem to be inappropriate, is unlawful, or is prohibited by any laws applicable to our website, including but not limited to:

• any act that would constitute a breach of either the privacy (including uploading private or personal information without an individual’s consent) or any other of the legal rights of individuals;
• using this website to defame or libel us, our employees or other individuals;
  uploading files that contain viruses that may cause damage to our property or the property of other individuals;
• posting or transmitting to this website any non-authorised material including, but not limited to, material that is, in our opinion, likely to cause annoyance, or which is defamatory, racist, obscene, threatening, pornographic or otherwise or which is detrimental to or in violation of our systems or a third party’s systems or network security.
• If we allow you to post any information to our website, we have the right to take down this information at our sole discretion and without notice.

9. WARRANTIES AND DISCLAIMERS

To the maximum extent permitted by law, we make no warranties or representations about this website or the content, including but not limited to warranties or representations that they will be complete, accurate or up-to-date, that access will be uninterrupted or error-free or free from viruses, or that this website will be secure.

We reserve the right to restrict, suspend, or terminate without notice your access to this website, any content, or any feature of this website at any time without notice and we will not be responsible for any loss, cost, damage, or liability that may arise as a result.

10. LIABILITY

To the maximum extent permitted by law, in no event shall we be liable for any direct and indirect loss, damage or expense – irrespective of the manner in which it occurs – which may be suffered due to your use of our website and/or the information or materials contained on it, or as a result of the inaccessibility of this website and/or the fact that certain information or materials contained on it are incorrect, incomplete or not up-to-date.

11. JURISDICTION AND GOVERNING LAW

Your use of the website and these Terms and Conditions are governed by the laws of New South Wales and you submit to the non-exclusive jurisdiction of the courts exercising jurisdiction in New South Wales.

Cover Genius operates business under corporate bodies as described in the footer of this website.

For any queries that you may have about our services, please reach out to [email protected].