Terms of Use

TERMS OF USE FOR THE AIA AUSTRALIA WEBSITE AND YOUR AGREEMENT WITH AIA

By using this website or accessing the online facilities, smart phone/tablet applications, tools, information, materials and content (together “this website”) or in any way submitting your personal or sensitive information through this website, you enter into an agreement with AIA Australia Limited (ABN 79 004 837 861, AFSL 230043) and its affiliates, and subsidiaries (collectively “AIA”) and acknowledge and agree to be unconditionally bound by the following terms of use as amended from time to time (“Terms”), without limitation or qualification.

Please read these Terms carefully before using this website. You agree that these Terms may be revised at any time by posting amended Terms on this website, and you will be deemed to have accepted any amended Terms by continuing to access this website and that you have been provided with sufficient notice of the amendment. You will be bound by any such revisions and should therefore periodically visit this website to review the revised Terms.

The current version of these Terms will apply each time you access and use this website. You also agree that AIA may terminate this agreement at any time, to the extent permitted by law. If you do not agree to all of the Terms, please do not continue to use this website.

If any of these Terms are found to be invalid or unenforceable at law, that invalidity or unenforceability will not affect the remainder of the Terms, which will continue in full force and effect and to which you will be bound.

Regardless of the platform, gateway, portal or mode of access you use to install, download or access this website, your mobile phone or internet provider may, depending on the type of contract you have, charge you for accessing this website, or for any usage of this website (such as data charges, sms charges). AIA cannot be held responsible for these charges.

All information provided on this website is intended for use by residents of Australia only. Persons residing outside of Australia use this website at their own risk, and should take into consideration the requirements of their country of residence when accessing this website.

Disclaimer

To the fullest extent permissible by law:

1. the information and materials on this website are provided "as is" and without warranties of any kind whether expressed, implied, statutory or otherwise and AIA disclaims all warranties, whether expressed, implied, statutory or otherwise including, but not limited to, warranties of merchantability, satisfactory quality, suitability and fitness for a particular purpose, title and non-infringement of third party rights;
2. AIA does not warrant that the website or the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components; and
3. AIA does not warrant or make any representations regarding the use or the results of the use of the information and/or materials on this website in terms of their correctness, accuracy, reliability, adequacy, completeness or otherwise. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products, benefits and services described or referred to on this website, but are provided solely for general informational purposes. For complete details please refer to the actual policy, applicable terms and conditions, policy documents, benefit guides or product disclosure documents for the products, benefits and services, or the relevant product or services agreement. Nothing on this website shall constitute or be construed as legal liability, undertaking or admission by AIA in any way. AIA cannot guarantee correctness, accuracy, reliability, adequacy, completeness or otherwise of the information and/or materials presented on this website and such information and/or materials is subject to change without notice and may not be up to date.

All information and materials contained on this website is general information only, and does not take into account factors like the objectives, financial situations or needs of any individual or business and is not intended to be financial, legal, tax, business, accounting, medical, nutritional, health, fitness or other advice. Before acting on the information on this website, you should consider its appropriateness having regard to such factors. No particular impact on you or your business resulting from the use of the information on this website is guaranteed, to the maximum extent permitted by law. It is not intended to promote or influence you to acquire any product or service.

This website may contain links or references to other websites maintained by AIA, which may be subject to additional terms of use. By accessing such websites, you agree to be bound by such additional terms of use. This website may also contain links to other websites which are not maintained by AIA or may refer to a third party. AIA is not responsible for the availability, content, currency, reliability, correctness or accuracy of any content related to third parties (including without limitation information contained in other websites) or for the suitability (or otherwise) of such content for the needs of any person, and does not make any warranty, expressed or implied, with respect to any content related to third parties (including the use of those websites). The inclusion of any link or reference on this website to such websites or any third parties does not imply approval of or endorsement by AIA of the websites or the content thereof or of the third parties, nor does it imply that the third party has approved or endorse the content of this website. You acknowledge and agree that you access such websites and third party content at your own risk.

Exclusion and limitation of liability

While AIA aims to use reasonable efforts to include accurate and up to date information on this website, errors or omissions may sometimes occur. To the maximum extent permitted by law, AIA makes no warranties or representations as to the currency, reliability, correctness, accuracy, adequacy or completeness of the content of this website and under no circumstances, including but not limited to, negligence, shall AIA or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, special or punitive damages, losses, liabilities, costs, expenses and/or consequences of whatsoever nature that result from or in connection with any access, the use of, or the inability to use, the materials and/or information on this website or reliance on the materials and/or information on this website... (and so on).

AIA also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.

Restrictions

This website is owned and operated by AIA. Except as otherwise expressly permitted by AIA, no materials from this website or any website owned, operated, licensed or controlled by AIA may be copied, reproduced, republished, modified, stored in a retrieval system, used for creating derivative works, uploaded, posted, transmitted (by any form or by any means), distributed or used in any other way for public or commercial purposes. You may download material displayed on this website solely for your own use, provided that you also retain all copyright and other proprietary notices contained on the materials and this website. You may not distribute, modify, transmit, reuse, repost, or use the content of this website, for public or commercial purposes, including the text, images, audio, and video, without AIA’s express written permission.

You shall not use this website for any purpose that is unlawful or prohibited by the Terms. Additionally, you shall not: (i) use the website in any manner that could damage, disable, overburden or impair this website... (and so on).

Indemnity

You hereby agree to fully indemnify, defend and hold harmless AIA, its employees, officers, staff, agents, advisers and directors from and against any and all damages, losses, liabilities, costs and expenses (including full legal costs on a solicitor-client basis) suffered by AIA arising from or in connection with: (i) your access to or use of any aspect of this website; (ii) any other party’s access to or use of this website and/or online facilities using your account and/or password; or (iii) your breach of any of these Terms...

Evidence of transactions

AIA’s own records of the transactions maintained through computer systems or otherwise shall be accepted as conclusive and binding for all purposes. Your use of your account and/or password to access or use this website and/or online facilities including access to your policy records and our online services will be recognised as your electronic signature and will be legally binding. You accept that electronic records will be admissible as original documents in any court of law and agree that you will not challenge or dispute the accuracy or authenticity of such records.

No waiver

No failure or delay by AIA in exercising or enforcing any right or option under these Terms shall operate as a waiver of it or limit, prejudice or impair AIA’s right to take any action or to exercise any right against any person or render AIA responsible for any loss or damage arising therefrom or in connection thereto.

Severability

The invalidity, unlawfulness or unenforceability of any provision in these Terms in any respect under applicable law shall not affect the validity, legality or enforceability of the remaining provisions hereof.

Jurisdictional issues

Unless otherwise expressly set forth herein, AIA makes no representation that information and materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.

These Terms are governed by the laws of the State of Victoria, Australia and the parties agree to submit to the non-exclusive jurisdiction of the courts of the State of Victoria, Australia. AIA reserves any rights not expressly granted in these Terms.

Ownership of information

Any information (including without limitation any data, questions, comments, or suggestions) that you transmit to AIA, including (without limitation) via this website, by electronic mail or otherwise, will be treated as non-confidential and non-proprietary to you and will become the property of AIA. Such information may be used for purposes, including but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. AIA is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to AIA via this website or by any other means for any purpose whatsoever, including but not limited to, developing and marketing products using such information.

Intellectual property

AIA reserves all rights, including intellectual property rights, trademarks, service marks, trade names, company names, logos, slogans, copyrights, domain names, patents, design rights, utility models, database rights, know-how, trade secrets and all other intellectual or industrial property rights including, where such rights are obtained or enhanced by registration, any registration of such rights (including the right to apply for such registrations) and applications therefore (including the right to claim priority), text, collations, images, logos, source code and data relating to this website, and any contents of this website are the property of, or licensed to AIA.

Software Licenses

AIA grants you a non-exclusive, limited and personal license to download and use any content on this website (including the software or applications) for your own personal, non-commercial use only. No other rights to the software or applications are granted. All rights including intellectual property rights in the software remain the property of AIA or the relevant licensors or owners of the software and, except as permitted by law, you may not reverse engineer, decompile, modify or tamper with the software or applications.

Security reminder

While there is inherent risk in doing business with anyone over a public medium like the Internet, we have implemented measures to reduce these risks. In order to safeguard and protect your privacy, the secure site utilizes advanced security techniques, which require Google Chrome version 39, Apple Safari version 8, Microsoft Internet Explorer version 8.0 or Mozilla Firefox 28 or above.