Terms of use

Effective 1 December 2022

Please read these Terms of Use. These Terms of Use, together with any conditions, notices and disclaimers contained elsewhere on our website or in our mobile application (the “Huddle Insurance App“) (known collectively as the “Terms“) govern your access and use of our website and the Huddle Insurance App. By accessing and using this website or the Huddle Insurance App you acknowledge and accept that you are bound by these Terms.In these Terms any references to “us”, “we”, “our” or “Huddle Insurance” means Huddle Insurance Insurance, a business name of Huddle Insurance ABN 23 166 949 444 AFSL 451712, and any of its subsidiaries or business partners. Any reference to the “Huddle Insurance Service” or “Service” means the financial services we are authorised to provide to you, being:

• the provision of general advice and arranging for you to enter into, issue, vary and dispose of general insurance contracts; and
• other services such as the use of our website and the Huddle Insurance App.

The Huddle Insurance website

The information contained on this website may not be accurate or up to date in all respects. We do not warrant the accuracy or completeness of any information contained on this website. None of Huddle Insurance or any of its related companies, or their directors, accepts any liability for any reliance by any person on information contained in the Service, or guarantees the performance of any particular financial product referred to in the Service.


From time to time we may need to update these Terms or modify or enhance the Service and your continued use of the Service means that you accept the updated Terms.


The information on this website is provided for Australian residents only, and where indicated, may be limited to specific states and territories of Australia. The law of New South Wales governs these Terms. In the Service any currency references are references to Australian dollars unless otherwise specified.


This website may contain links to third party websites. Huddle Insurance and its related entities do not make any representations as to the content of any third party websites, and expressly disclaim that they operate any website other than this website.

Ownership of this website

All intellectual property on this website – including the Huddle Insurance trademarks and copyright in the information, text, graphics, services and other data – is owned by us and no part of this website may be reproduced, stored, modified, adapted, uploaded to another location or produced for display in any form without our prior written approval.

Information we provide

Huddle Insurance does not provide personal financial product advice. Any information provided to you by us is general information only, which when prepared, does not take into account your individual circumstances, objectives, financial situation or needs.


When considering any financial product available from the Huddle Insurance Service, you should carefully read the relevant Product Disclosure Statement (“PDS”) to ensure the product is right for you. A copy of each PDS is available on this website.


The Insurer for general insurance products (unless otherwise specified) is The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473).

Your use of this website

You must not use our website in any of the following ways:

• Use of any type of data accumulation tool, robot, or spider to compile, disseminate, extract, process, reproduce, or repackage in any form or monitor any of the web pages, content, data or information contained within or accessible through this website.
• To accumulate or combine the content, data or information contained or accessible through this website with content, data or information from any third party, without Huddle Insurance’s prior written permission.
• Use of high-volume, automated or systematic processes to obtain data or other information from this website.
• Compiling, repackaging or disseminating any information or data from this website.
• Accumulating data or information from this website whether or not using any automatic or manual process.
• Use of any type of device, process, routine or software either systematically or non-systematically to interfere or attempt to interfere with the functioning of this website or any transaction or process conducted on or through this website.
• To use or reproduce any information or data from this web site other than as specifically permitted by these Terms.
• To incorporate into or store any information or data from this website in any other website, electronic retrieval system, database, publication or other work in any form, other than as specifically permitted by these Terms.
• Combining or processing any data or information from this website with other data or information other than as specifically permitted by these Terms.
• Creating a link to this website from another website without Huddle Insurance’s prior written permission.
• Using this website other than as specifically permitted by these Terms.
• Any use of this website for an unlawful purpose or activity.
• Either yourself or through a third party changing, modifying, reproducing, or creating any works derived from this website, or displaying in public, any part or content of this website without Huddle Insurance’s prior written permission or unless you have a non-excludable legal right to do so.

If you breach these Terms, you agree to indemnify us for any loss that we may suffer or any costs that may be incurred from your breach.

Any failure by us to exercise any right, power or remedy under these Terms shall not operate as a waiver of our rights.

Privacy

We are committed to protecting your privacy. Our Privacy Policy explains how we collect, use and disclose the personal information you provide to us. You can also find information regarding how we handle your personal information in your Product Disclosure Statement.

You consent to the use, transfer and disclosure of personal information by us in accordance with our Privacy Policy, available on this website.

Registration and account security

Huddle Insurance users provide their real names and information, and we need your help to keep it that way. Here are some commitments you make to us relating to registering and maintaining the security of your account:

• You will not provide any false personal information on Huddle Insurance, or create an account for anyone other than yourself without permission.
• You will not create more than one personal account.
• If we disable your account, you will not create another one without our permission.
• You will not use Huddle Insurance if you are under 17.
• You will keep your contact information accurate and up-to-date.
• You will not share your password, let anyone else access your account, or do anything else that might jeopardise the security of your account.
• You will not transfer your account to anyone without first getting our written permission.

Verification

We will need to verify your identity before you can use certain parts of the Service. Verification must be completed online and to the satisfaction of Huddle Insurance. Huddle Insurance may amend the verification requirements or require a user to complete additional verification at any time.

Commitment to community

In order to fix financial services, both we (at Huddle Insurance) and you (our customers) have to work hard to build new levels of trust and collaboration. Together, we’ll do this through our commitment to community.

We require all Huddle Insurance staff, partners and customers to commit to treating everyone in the Huddle Insurance community — regardless of their race, religion, national origin, ethnicity, disability, sex, gender identity, sexual orientation, or age - with respect, and without judgement or bias.

Payments and insurance cover commencement

If you make a payment using the Service, you agree to payment terms relating to the specific product unless it is stated that other terms apply. Any insurance cover purchased by you commences from the time and date stated on the Certificate of Insurance issued.

Termination

If you violate the letter or spirit of these terms, or otherwise create risk or possible legal exposure for us, we can stop providing all or part of the Huddle Insurance Service to you. We will notify you by email or at the next time you attempt to access your account. You may also delete your account or disable your application at any time.

Limitation of Liability

Neither Huddle Insurance, its sub-contractors, associates nor related companies or their directors shall be liable in any way for any loss or damage suffered by you through your use of the Service, including but not limited to loss or damage arising in connection with:

• your use of the Service;
• any defects, viruses and any other malfunctions caused to any equipment and other software in connection with access or use of the Service;
• the information provided on or via the Service;
• the interception, modification or misuse of information transmitted to us or transmitted to you;
• the functioning or non-availability of the Service;
• the misuse of the Service;
• claims by third parties in connection with the use of the Service;
• any loss or unauthorised access to any data or information that you provide to us when using the Service; and
• any loss arising from unauthorised transactions arising from the use of your Account Credentials or Account Information.

Our liability for negligence, breach of contract or contravention of any Australian law as a result of our failure to provide the Service or any part of it, or for any problems associated with your use of the Service (including any loss of data or information you provide to us when using the Service), which cannot be lawfully excluded by Australian law, is limited, at our option and to the maximum extent permitted by Australian law, to resupplying the Service or any part of it to you, or to paying for the resupply of the Service or any part of it to you or paying you a maximum of AUD$1,000.

Other

If the whole or any part of a provision of these Terms is void, unenforceable or illegal in a jurisdiction it is severed for that jurisdiction. The remainder of the Terms have full force and effect and the validity or enforceability of that provision in any other jurisdiction is not affected.