Terms & Conditions

These Terms & Conditions ("Terms") govern your use of this website (the "Site") and our referral service. By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. About us

This website is operated by Quote Compare Online. We are not an insurer. We do not provide advice on life insurance and act only as a lead referral partner for Compare Club, who holds an Australian Financial Services Licence, number 486326. We will receive a fee from them for this referral.

2. Our service

Our service is free for you to use and you are under no obligation to accept any of the quotes you receive. On completion of our form, we will introduce you to Compare Club. We use the contact details you have given us on the form to make this introduction. An adviser will contact you by telephone. During that call, the expert adviser will discuss your options in more detail to see if they can help.

3. No financial advice

Nothing on this Site is financial product advice. Any information on the Site is general information only and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) issued by the insurer.

4. Eligibility

You must be at least 18 years old and a resident of Australia to use this Site and request a quote.

5. Quotes, rates and examples

Any premiums, rates, savings or examples shown on the Site are illustrative only and are not an offer of insurance. Actual premiums depend on factors including your age, health, smoker status, occupation, the amount of cover and the insurer's underwriting decision. Only the insurer can accept an application and issue a policy.

6. Your obligations

• You agree to provide accurate, current and complete information when you use our form.
• You agree to use the Site only for lawful purposes and not to interfere with its operation or security.
• You must not submit another person's details without their consent.

7. Consent to be contacted

By submitting the form, you consent to being contacted by Compare Club and its advisers by telephone, SMS and email about life insurance, including where your number is listed on the Do Not Call Register. You may withdraw this consent at any time.

8. Third parties

We are not responsible for the products, services, advice or conduct of Compare Club, any insurer or any other third party to whom you are introduced, or for the content of any third-party website linked from this Site.

9. Intellectual property

All content on the Site, including text, graphics, logos and layout, is owned by or licensed to us and is protected by Australian and international copyright laws. You may not reproduce or republish it without our written permission.

10. Disclaimers and liability

The Site is provided on an "as is" basis. To the maximum extent permitted by law, we exclude all warranties and are not liable for any loss or damage arising from your use of the Site or from any introduction made through it. Nothing in these Terms excludes, restricts or modifies any guarantee, right or remedy you have under the Australian Consumer Law that cannot lawfully be excluded.

11. Privacy

Our Privacy Policy explains how we handle your personal information and forms part of these Terms.

12. Changes to these Terms

We may update these Terms from time to time. The updated Terms will be posted on this page with a revised "last updated" date, and apply from the date they are posted.

13. Governing law

These Terms are governed by the laws of New South Wales, Australia, and you submit to the non-exclusive jurisdiction of the courts of that state.

14. Facebook disclaimer

This site is not a part of the Facebook website or Facebook Inc. Additionally, this site is NOT endorsed by Facebook in any way. FACEBOOK is a trademark of FACEBOOK, Inc.

15. Contact us

Questions about these Terms? Contact Quote Compare Online at support@quotecompareonline.com.