Terms of Use

Website use and content

CANSTAR Pty Limited ABN 21 053 646 165 AFSL 312804 (‘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.

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. Any company and product names mentioned are trademarks or registered trademarks of their respective companies. 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.

General Advice Warning

To the extent that any CANSTAR data, ratings or commentary constitutes general advice, this advice has been prepared by CANSTAR Pty Ltd ABN 21 053 646 165 AFSL 312804 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 recommends that, before you make any financial decision, you seek professional advice from a suitably qualified adviser. Any reference by CANSTAR 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.

Additional Terms and Conditions for Referral to Financial Adviser
Version: 22 July 2009

You agree with us that:
i. You have asked us to send your personal information in the Referral Form to one or more financial advisers (Adviser/s);
ii. Advisers are not our employees, contractors or agents, and we will have no liability to you in relation your dealings with Advisers including any advice or recommendations they may make;
iii. You will make all arrangements in relation to services you require from an Adviser and you will be responsible for all fees and charges (if any) payable to the Adviser or in relation to their services;
iv. We make no recommendation to you about the skills, expertise or suitability of Advisers for your purposes;
v. We may contact you to seek your response to a survey in relation to your dealings with Advisers;
vi. You have read and accept the terms of our Privacy Policy and Financial Services Guide;
vii. “We” and “us” means CANSTAR Pty Limited A.C.N. 053 646 165, AFSL 312804.

Additional Terms and Conditions – How much does life insurance cost?

The Life Insurance calculator provides an estimate only of the cost of life insurance and should not be relied upon to make a purchasing decision. It does not take into account your personal needs, circumstances or objectives. You should obtain advice from a licensed financial adviser before making any financial decisions. Our Terms of Use apply to your use of the Life Insurance Calculator. For further information see our Financial Services Guide.

This calculator has been provided as an illustrative tool only, and for the purpose of general information. The information has been prepared without taking into account your particular insurance objectives, financial situation and needs. The information displayed does not constitute a recommendation of any particular financial product. Insurance policies vary greatly in costs, benefits and features, and these may change over the life of the policy. Additional costs and charges may apply. You should make your own inquiries about the suitability of a particular financial product for you. Before making a decision to purchase a policy you should seek financial advice specific to your personal circumstances from a licensed financial adviser, and read the Product Disclosure Statement (PDS). For further information see our Financial Services Guide.

Additional Terms and Conditions – Compare Private Health Insurance

The “Compare Private Health Insurance” quote and comparison service is a free service provided by Canstar Cannex. CANSTAR receives no payment for provision of this service.

By using the “Compare Private Health Insurance” quote and comparison service on the CANSTAR website, you acknowledge and agree to the following additional conditions of use:

• The information shown on the CANSTAR website about health insurance products (“Health Insurance Information”) is obtained from publicly available sources and health insurance providers. CANSTAR relies on health insurance providers to advise it of changes to the Health Insurance Information from time to time. Whilst we try to keep information up to date, there may be inaccuracies in the Health Insurance Information.

• The Health Insurance Information is a summary only of the relevant policies and may not be complete. You should obtain a copy of the whole policy and read it before making a purchase decision.

• You are advised to read all relevant fund information and seek further advice from the health insurance fund in relation to your particular requirements and circumstances before making a decision to purchase a health insurance policy.

• You are solely responsible for your choice of policy.

• Whether you are able to obtain health insurance depends on the policies and requirements of each particular fund. CANSTAR does not promise that you will be able to obtain your preferred health insurance product.

• Canstar Cannex does not guarantee the continued availability of a particular health insurance product shown on the website.

• Premium amounts shown are subject to change from time to time and CANSTAR does not guarantee the accuracy of the premium information. Consumers should confirm the applicable premium with the health insurer before making a purchase decision.

• Information about the health insurance funds shown on the CANSTAR website does not represent an endorsement, sponsorship, recommendation or approval of any particular health fund by Canstar Cannex.

• Canstar Cannex is not a registered health benefits provider. Products shown on the website are available to Australian residents only.