Terms of Use

By accessing or using the flipinsurance.com.au website (“Site”), you agree to accept and comply with these terms of use (“Terms of Use”). Flip Insurance Pty Ltd (“Flip” or “we”) reserves the right, at Flip's sole discretion, to amend these Terms of Use and this Site at any time without notice. Any subsequent access to, or use by you of, this Site will constitute an acceptance of these modifications.

This Site is operated by Flip and all information contained on this Site is owned or licensed by Flip.

The Flip Privacy Policy, which describes how we handle your personal information, forms part of these Terms of Use.

1. Use of this Site

Personal use only

Apart from any fair dealing for the purpose of private study, research, criticism or review, reporting news, parody or satire as permitted under the CopyrightAct 1968 (Cth), you may only use the information on this Site for your own personal reference and reproduce such information for your personal use.

Software

If you download any software from the Site, the software (including any files and/or images incorporated in or generated by the software) and data accompanying the software (collectively, the "Software"), Flip grants a licence to you to use the Software. You must not sell, distribute, decompile, reverse engineer or otherwise deal with the Software in a like manner.

Prohibited use

Other than as set out above and unless we provide our prior written consent, you must not distribute or transmit information on this Site to any other person or incorporate such information, in any way, into another document or other material.

2. Consent to electronic delivery of documents

Where Flip is required, by law or otherwise, to provide you with a document, you consent to the provision of that document electronically through the links on this Site. We suggest that you print a copy of the document, or file it electronically, for future reference.Where Flip is required, by law or otherwise, to provide you with a document, you consent to the provision of that document electronically through the links on this Site. We suggest that you print a copy of the document, or file it electronically, for future reference.

3. Communication facilities, including social media channels

This section 3 governs your use and access to our social media channels and platforms (including Facebook, Instagram and twitter) and other communications facilities available on or through the Site (the “Communication Facilities”).

What we expect from you when using the Communication Facilities

When accessing and using the Communication Facilities, you must not:

post, communicate or transmit any unlawful, criminal, threatening, abusive, defamatory, libellous, contemptuous, obscene, vulgar, pornographic, profane, indecent or inappropriate material including any material that would materially and adversely affect the reputation of Flip. Flip may decide at its sole discretion whether any material is "inappropriate";
post, communicate or transmit material which violates or infringes the rights of any other person or party or infringes any law; interfere with the computer systems which support the Communication Facilities, overload a service, engage in a denial-of-service attack, attempt to disable a host or inhibit or restrict any other user from using the Communication Facilities;
post, communicate or transmit any file which contains viruses, worms, “trojan horses” or any other harmful, contaminating or destructive features;
access or attempt to access information resources you are not authorised to use;
impersonate or falsely represent your association with any person or organisation or otherwise provide false or misleading information;
attempt to modify, adapt, translate, sell, reverse engineer, decompile or disassemble any portion of the Site, including the use of automated tools;
post, communicate or transmit or use any material of any kind for commercial purposes, or which contains any promotional material or advertising;
delete, circumvent or alter any author attribution, legal notices, rights management information or technological protection measures; or
post, download, communicate or transmit any file or material posted by another user if you know, or reasonably ought to know, that the file or material cannot legally be downloaded or communicated in that manner.

Our right to moderate the Communication Facilities

We welcome all your views, both positive and negative, but it will sometimes be necessary to moderate (review, approve or remove) content without your prior agreement on Flip's Communication Facilities. The decision to moderate content will be at Flip's absolute discretion but may be based on the factors including, but not limited to acting contrary to “What we expect from you when using the Communication Facilities” (set out above).

We may also block users from the Communication Facilities at our sole discretion, unless we are not otherwise allowed to (for example, if a social media channel does not allow us to do so).

4. Links

One of the services that the Site provides is access to other sites on the internet via hyperlinks located on the Site ("Linked Sites"). While Flip has used reasonable endeavours to review the Linked Sites, Flip is not responsible for the accuracy, legality, and decency of material or copyright compliance of Linked Sites.

Links to the Linked Sites are provided for convenience only and do not represent any endorsement by Flip or any Flip Group Company of the products of services offered by the website owner.

5. Disclaimer

This disclaimer is subject to any rights or remedies that you may have under law that cannot be excluded, restricted or modified by contract. This includes law contained in Schedule 2 of the Competition and Consumer Act 2010 (Cth) (Australian Consumer Law), the Australian Securities and Investments Commission Act 2001 (Cth) (ASIC Act), and the Corporations Act 2001 (Cth) (Corporations Act).

All information contained on this Site is given in good faith and has been derived from sources believed to be accurate and reliable at the time it was sourced. Flip will use reasonable efforts to update the Site regularly.

The materials in this Site are provided "as is" and without warranties either express or implied to the fullest extent permissible under law including the Australian Consumer Law, ASIC Act and Corporations Act.

The information on the Site is only intended for use in Australia and for persons above the age of 18. The information is general in nature and should not be considered as a comprehensive statement on any matter.

Any advice contained on the Site is general advice only. The advice has been prepared without taking into account your objectives, financial situation or needs. Accordingly, before acting on this advice, you should consider whether the advice is appropriate, having regarding to your objectives, financial situation and needs.
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You should obtain the Combined Product Disclosure Statement, Policy, and Financial Services Guide relating to Flip Insurance, and consider it before making any decision about whether to acquire the product.

To the extent permitted by law, neither Flip nor any of its directors, employees and contractors and agents guarantees the security of this Site to the extent that such a guarantee includes:

giving any warranty of reliability or accuracy of this Site and its content;
accepting any responsibility arising in any other way including by reason of negligence for, errors in, or omissions from, the information on this Site; or
accepting any liability for any loss or damage, however caused, as a result of any person relying on any information on the website or being unable to access this Site.

6. Indemnity

You agree to indemnify Flip and keep Flip indemnified against all actions, claims, costs, demands, damages or liability arising in any manner from a breach by you of these Terms of Use.

7. Governing law and jurisdiction

These Terms of Use are governed by the laws of New South Wales, Australia. The parties submit to the jurisdiction of the courts of New South Wales, Australia.