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Terms of Use

 

Website use and content

Version: 1 August 2013

CANSTAR Pty Limited ABN 21 053 646 165 Authorised Representative No. 443019 (‘CANSTAR’) may from time to time change the contents of this website (including these legal notices) without notice. Your use of the website means that you accept the terms and conditions set out on this page. If you do not accept these terms and conditions you should immediately cease using the website.

The information provided in this website is a guide only and may not be complete for your purposes. CANSTAR does not warrant the accuracy of any information on this website and recommend that you confirm it with third party product providers before acting on it. In most cases, rates indicated are available to new customers only or may include special rates available for a limited time. It is recommended that you confirm information with the third party product providers before acting on it.

The additional terms and conditions set out below apply to the identified website pages and services and form part of these terms and conditions.

Liability disclaimer

Although great care has been taken to ensure the reliability of any statements of opinion or general ratings information provided by CANSTAR, CANSTAR gives no warranty in relation to statements and information contained in the website and disclaims all liability to the fullest extent possible arising from any persons acting on the information and statements contained therein. CANSTAR assumes no responsibility or obligation to provide updates on any published statement or report. Where the law implies conditions or warranties that are not able to be excluded, CANSTAR’s liability shall be limited to the re-supply of the information provided on the website.

Copyright & Links

This website is owned by CANSTAR and subject to copyright. This website may also contain third party supplied material that is subject to copyright. CANSTAR takes no responsibility for the use of information provided on this website. Except as permitted by the Copyright Act 1968, you may not reproduce, transmit, disseminate, sell, or publish information on this website without prior written permission from CANSTAR, provided that you may use the information for your private or internal purposes. Reference to any products, services or other information, by trade name, trademark or otherwise does not constitute or imply endorsement, sponsorship or recommendation of them by CANSTAR, and does not constitute or imply endorsement, sponsorship or recommendation of CANSTAR by the respective trademark owner. Rates are for information purposes only and must be confirmed with the company quoted. This website may contain links to other websites. Such links do not constitute an endorsement or recommendation of any material on those linked websites or any third party products and services offered by, from or through those sites.

Recommended Browser

To ensure the best browsing experience, we suggest you download the latest version of Chrome, Microsoft Internet Explorer, Mozilla Firefox or Safari.

General Advice Warning

To the extent that any CANSTAR data, ratings or commentary constitutes general advice, this advice has been prepared by CANSTAR Research Pty Ltd ABN 29 114 422 909 AFSL 437917 and does not take into account your individual investment objectives, financial circumstances or needs. Information provided on and available from this site does not constitute financial, taxation or other professional advice and should not be relied upon as such. CANSTAR Research recommends that, before you make any financial decision, you seek professional advice from a suitably qualified adviser. Any reference by CANSTAR Research to the past performance of a financial institution or service provider is not necessarily indicative of future performance. A Product Disclosure Statement relating to the product should also be obtained and considered before making any decision about whether to acquire the product. Please refer to CANSTAR’s Financial Service Guide for more information.

Our policy in relation to legal threats and demands made against CANSTAR can be found on our legal threats policy page.

Terms and conditions applicable to Private Health Insurer Referral Service

Version: 22 October 2014

You agree with us that:

i. If you do not accept these terms and conditions you will immediately stop use of the health insurance referral service and will not take any further action on the online form;
ii. We are referring you to the private health insurance company referred to on the form (“Health Fund”) for further health insurance advice and services;
iii. By clicking the ‘Request a Callback’ button, and/or by proceeding to obtain a firm quote, you consent to us providing your personal information and other details in the online form to the Health Fund for the purpose of the Health Fund providing you with health insurance advice and services;
iv. If you telephone the number shown on the form, you will be telephoning and speaking to employees or agents of the Health Fund and not Canstar;
v. The Health Fund is not our employee, contractor or agent, and we will have no liability to you in relation your dealings with the Health Fund including any advice or recommendations it may make;
vi. The Health Fund is a health insurance company, selling its own health insurance products and services;
vii. You will make all arrangements in relation to services you require from the Health Fund and you will be responsible for all fees and charges (if any) payable in relation to any services you acquire from the Health Fund;
viii. We make no recommendation to you about the skills, expertise or suitability of the Health Fund for your purposes;
ix. We may contact you to seek your response to a survey in relation to your dealings with the Health Fund;
x. You have read and accept the terms of Canstar’s Privacy Policy and website Terms and Conditions. These terms limit your ability to make a claim against Canstar;
xi. “We” and “us” means CANSTAR Pty Limited A.C.N. 053 646 165

Terms and conditions applicable to Choosewell Health Insurance Referral Service

Version: 30 September 2014

You agree with us that:

i. You acknowledge that we are referring you to Choosewell Pty Ltd A.B.N. 146739415 (‘Choosewell Pty Ltd) for further health insurance advice and services;
ii. By clicking the “Call Me” button you consent to us providing your personal information and other details in the online form to Choosewell Pty Ltd for the purpose of providing health insurance advice and services;
iii. Choosewell Pty Ltd is not our employee, contractor or agent, and we will have no liability to you in relation your dealings with Choosewell Pty Ltd including any advice or recommendations it may make;
iv. Choosewell Pty Ltd is an agent for health insurance product providers and is not itself a health insurance provider;
v. You will make all arrangements in relation to services you require from Choosewell Pty Ltd and you will be responsible for all fees and charges (if any) payable in relation to any services you acquire with the assistance of Choosewell Pty Ltd;
vi. You acknowledge that we and Choosewell Pty Ltd do not provide information about or quotes from every health fund or about every health insurance product in the Australian market. If Choosewell Pty Ltd is not able to assist you in relation to your chosen product, they will attempt to provide information about a similar product from the same provider, or another provider;
vii. Choosewell Pty Ltd  has agreed with us to provide you with the best deal available to them in relation to your chosen product;
viii. We make no recommendation to you about the skills, expertise or suitability of Choosewell Pty Ltd for your purposes;
ix. We may contact you to seek your response to a survey in relation to your dealings with Choosewell Pty Ltd ;
x. You have read and accept the terms of Canstar’s Privacy Policy and website Terms and Conditions;
xi. “We” and “us” means CANSTAR Pty Limited A.C.N. 053 646 165

Canstar Customer Terms and Conditions Applicable to xLife Pty Ltd (trading as Life Insurance Direct Australia)

Version: 18 December 2014

You agree with us that:
i. By clicking the “Contact Me” button, you have requested us to refer you to xLife Pty Ltd (trading as Life Insurance Direct Australia) A.B.N. 98 121 266 957 (‘Life Insurance Direct Australia ’) a corporate authorised representative of Millennium3 Financial Services Pty Ltd. ABN 61 094 529 987 AFSL No.244252;
ii. By clicking the “Contact Me” button you consent to us providing your personal information and other details in the online form to Life Insurance Direct Australia for the purpose of providing life insurance advice and services subject to Life Insurance Direct Australia’s Financial Services Guide, Privacy and Security of Information Policies;
iii. Life Insurance Direct Australia is not our employee, contractor or agent, and we will have no liability to you in relation your dealings with Life Insurance Direct Australia including any advice or recommendations it may make;
iv. Life Insurance Direct Australia is an authorised representative of Millennium3 Financial Services Pty Ltd and is not itself a life insurance provider;
v. You will make all arrangements in relation to services you require from xLife and you will be responsible for all fees and charges (if any) payable in relation to any services you acquire with the assistance of Life Insurance Direct Australia;
vi. We have advised you that Life Insurance Direct Australia’s telephone call centre is open between the following hours on each business day: Mon – Thurs 8.00am – 6.30pm AEDT, Fri 8.00am to 5.30pm AEDT, and that their call back service will be provided only during those hours. They will use reasonable endeavours to call you back within those hours;
vii. You acknowledge that we and Life Insurance Direct Australia do not provide information about or quotes from every life insurance provider or about every life insurance product in the Australian market.
viii. Life Insurance Direct Australia has agreed with us to provide you with life insurance advice in relation to your chosen product;
ix. We make no recommendation to you about the skills, expertise or suitability of Life Insurance Direct Australia for your purposes;
x. We may contact you to confirm the details you have provided in the form, and to seek your response to a survey in relation to your dealings with Life Insurance Direct Australia;
xi. You have read and accept the terms of Canstar’s Privacy Policy and website Terms and Conditions;
xii. “We” and “us” means CANSTAR Pty Limited A.C.N. 053 646 165


Canstar customer terms and conditions applicable to Lifebroker Referral Service

Version: 24 April 2013

You agree with us that:

1. You acknowledge that the life insurance advice service is provided through Lifebroker Pty Ltd (FSG) A.B.N. 115 153 243 AFSL 400209 (“Lifebroker”)
2. By clicking the “Go” button you consent to us providing your personal information and other details in the online form to Lifebroker for the purpose of providing life insurance information and subject to their Privacy and Security of Information Policies;
3. Lifebroker is not our employee, contractor or agent, and we will have no liability to you in relation your dealings with Lifebroker including any advice or recommendations it may make;
4. You will make all arrangements in relation to services you require from Lifebroker and you will be responsible for all fees and charges (if any) payable to Lifebroker or in relation to their services;
5. We make no recommendation to you about the skills, expertise or suitability of Lifebroker for your purposes;
6. The comparison information shown may not include all providers and may not compare all features relevant to you;
7. We may contact you to seek your response to a survey in relation to your dealings with Lifebroker;
8. You have read and accept the terms of our Privacy Policy and Canstar Financial Services Guide;


Canstar Customer terms and conditions applicable to HiFX Referral Service

Version: 10 October 2013

You agree with us that:

  1. You acknowledge that the foreign exchange service is provided through HiFX Pty Ltd ARBN 106 779 953  AFSL No. AFSL 240914 (“HiFX”) whose Financial Services Guide is at http://www.hifx.com.au/~/media/files/fsg.ashx and PDS is at http://www.hifx.com.au/~/media/files/pds.ashx
  2. By clicking the “Transfer at HiFX.com.au” button you consent to us providing your personal information and other details in the online form to HiFX for the purpose of providing a foreign exchange  consultation and subject to their Privacy and Security of Information Policies;
  3. HiFX is not our employee, contractor or agent, and we will have no liability to you in relation your dealings with HiFX including any advice or recommendations it may make;
  4. You will make all arrangements in relation to services you require from HiFX and you will be responsible for all fees and charges (if any) payable to HiFX or in relation to their services;
  5. We make no recommendation to you about the skills, expertise or suitability of HiFX for your purposes;
  6. We may contact you to seek your response to a survey in relation to your dealings with HiFX;
  7. You have read and accept the terms of our Privacy Policy and Financial Services Guide;
  8. “We” and “us” means CANSTAR Pty Limited A.C.N. 053 646 165, Authorised Representative No. 443019, a corporate authorised representative of CANSTAR Research Pty Limited AFSL 437917.


Canstar Customer terms and conditions applicable to Southern Cross Travel Insurance Quoting Service

Version: 15 November 2013

You agree with us that:

  1. You acknowledge that the travel insurance service is provided through Southern Cross Benefits Ltd, trading as Southern Cross Travel Insurance, ABN 99 133 401 939, AFS Licence No 331058;
  2. By clicking the “Get Quote” button you consent to us providing your personal information and other details in the online form to SCTI for the purpose of providing travel insurance information and subject to their Privacy and Security of Information Policies;
  3. SCTI is not our employee, contractor or agent and we will have no liability to you in relation to your dealings with SCTI including any advice or recommendations it may make;
  4. You will make all arrangements in relation to services you require from SCTI or in relation to their services;
  5. We make no recommendation to you about the skills, expertise or suitability of SCTI for your purposes;
  6. We may contact you to seek your response to a survey in relation to your dealings with SCTI;
  7. You have read and accept the terms of our Privacy Policy and Financial Services Guide;
  8. “We” and “us” means CANSTAR Pty Limited A.C.N 053 646 165, Authorised Representative No 443019, a corporate authorised representative of CANSTAR Research Pty Limited AFSL 437917.


Canstar Customer terms and conditions applicable to 1Cover Travel Insurance Quoting Service

Version: 16 October 2014

You agree with us that:

1. You acknowledge that the travel insurance service is provided through 1Cover Pty Ltd, ABN 91 105 954 265, AFS Licence No 245631. The insurance is underwritten by Allianz Global Assistance Australia Pty Ltd ABN 52 097 227 177, AFS Licence No. 245631.
2. By clicking the “Get a Quote” button you consent to us providing your personal information and other details in the online form to 1Cover for the purpose of providing travel insurance information and subject to their Privacy and Security of Information Policies;
3. 1Cover is not our employee, contractor or agent and we will have no liability to you in relation to your dealings with 1Cover including any advice or recommendations it may make;
4. You will make all arrangements in relation to services you require from 1Cover or in relation to their services;
5. We make no recommendation to you about the skills, expertise or suitability of 1Cover for your purposes;
6. We may contact you to seek your response to a survey in relation to your dealings with 1Cover;
7. You have read and accept the terms of our Privacy Policy and Financial Services Guide;
8. “We” and “us” means CANSTAR Pty Limited A.C.N 053 646 165, Authorised Representative No 443019, a corporate authorised representative of CANSTAR Research Pty Limited AFSL 437917.