Terms of Use

1. Acceptance of Terms

By accessing and using the Insurance Me For Life website and services ("Service"), you accept and agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use our Service.

Insurance Me For Life is operated by Consilium Advice Australia Pty Ltd (ABN 90 088 128 170), an authorised representative (AR 1244847) of Consilium Advice Australia Pty Ltd (AFSL 246623).

2. Description of Service

Insurance Me For Life provides life insurance comparison and quote services. Our Service allows you to:

• Compare life insurance products from multiple insurers
• Receive personalized insurance quotes
• Access general advice about life insurance products
• Submit applications for insurance coverage
• Manage your insurance inquiries and applications

Important: Insurance Me For Life provides General Advice only. We do not take into account your personal objectives, financial situation, or needs when providing quotes or recommendations. You should consider whether any product is appropriate for your circumstances before making a decision.

3. Eligibility

You must be at least 18 years of age to use this Service. By using this Service, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

4. User Obligations

When using our Service, you agree to:

• Provide accurate, current, and complete information when requested
• Maintain the security of your account credentials (if applicable)
• Notify us immediately of any unauthorized access to your account
• Use the Service only for lawful purposes and in accordance with these Terms
• Not attempt to interfere with, compromise, or disrupt the Service or servers connected to the Service
• Not use automated systems (bots, scrapers) to access the Service without our written permission

5. Accuracy of Information

You acknowledge that the accuracy of quotes and recommendations provided through our Service depends on the accuracy and completeness of the information you provide. You agree to:

• Provide truthful and accurate information about your health, lifestyle, and circumstances
• Disclose all material facts that may affect insurance eligibility or pricing, including pre-existing medical conditions
• Update us if your circumstances change during the application process

Failure to provide accurate information may result in declined applications, policy cancellations, or insurance claims being denied.

6. Financial Services Guide

Before using our Service, you must read and acknowledge our Financial Services Guide (FSG). The FSG contains important information about:

• The financial services we provide
• How we are remunerated for our services
• Our complaints handling procedures
• Your privacy rights

7. Privacy Policy

Your use of our Service is also governed by our Privacy Policy, which explains how we collect, use, disclose, and protect your personal information. By using our Service, you consent to the collection and use of your information as described in our Privacy Policy.

8. Intellectual Property

All content on the Insurance Me For Life website, including text, graphics, logos, icons, images, software, and data compilations, is the property of Consilium Advice Australia Pty Ltd or its content suppliers and is protected by Australian and international copyright laws.

You may not reproduce, modify, distribute, display, or create derivative works from any content on this website without our prior written consent.

9. Third-Party Links and Services

Our Service may contain links to third-party websites or services that are not owned or controlled by Insurance Me For Life. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that Insurance Me For Life shall not be responsible or liable for any damage or loss caused by or in connection with your use of any third-party content, goods, or services.

10. Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis. Insurance Me For Life makes no warranties, express or implied, regarding:

• The accuracy, completeness, or reliability of quotes or information provided
• The availability or uninterrupted operation of the Service
• The suitability of any insurance product for your particular needs
• That the Service will be error-free or secure

You acknowledge that insurance quotes are indicative only and subject to underwriting approval by the relevant insurer. Final premiums may differ from quoted amounts.

11. Limitation of Liability

To the maximum extent permitted by law, Insurance Me For Life and its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Service, including but not limited to:

• Loss of profits, revenue, or data
• Insurance applications being declined
• Delays in processing applications
• Errors or inaccuracies in quotes or information
• Decisions made based on information provided through the Service

Nothing in these Terms excludes, restricts, or modifies any guarantee, warranty, term, or condition implied by the Australian Consumer Law that cannot be excluded, restricted, or modified.

12. Indemnification

You agree to indemnify and hold harmless Insurance Me For Life, its affiliates, and their respective directors, officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from:

• Your use of the Service
• Your breach of these Terms
• Your violation of any law or regulation
• Inaccurate or incomplete information you provide

13. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms.

Upon termination, your right to use the Service will immediately cease. Provisions of these Terms that by their nature should survive termination shall survive, including intellectual property provisions, warranty disclaimers, and limitations of liability.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last Updated" date.

Your continued use of the Service after any changes constitutes acceptance of the new Terms. We encourage you to review these Terms periodically.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of New South Wales, Australia. You irrevocably submit to the exclusive jurisdiction of the courts of New South Wales.

If you have a complaint about our services, please refer to the complaints handling procedures outlined in our Financial Services Guide. We are a member of the Australian Financial Complaints Authority (AFCA), and you may escalate unresolved complaints to AFCA.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

17. Contact Information

If you have any questions about these Terms of Use, please contact us: