Terms and Conditions

By using this Website, you agree to be bound by these Terms and Conditions.

Access to and use of this site ('Website') and the products and services available through this site are subject to the following terms of use. By using this Website, you agree to be bound by these Terms and Conditions.

The terms 'Our', 'Us’ and 'We' refers to miCover Pty Ltd (miCover) (ABN 23 166 949 444, and a fully owned subsidiary of Eclipse Insurance Pty Ltd ABN: 90 629 644 846 AFSL 516081) of Level 2, 3 Barrack St, Sydney NSW 2000, and its Related Companies. 'You' and 'Your' refer to the intended users of this 'Website', Products and Services.

We can be reached via email at hello@getmicover.com (8am-5pm EST, Monday to Friday.)

Intended use

The information in this site is a summary only. Source material should be consulted in all cases affecting legal rights or responsibilities. Changes in circumstances may occur at any time and may impact on the accuracy or completeness of the information. We have taken reasonable care in producing this information. However, to the extent permitted by law, we do not warrant the accuracy, adequacy or completeness of the information and excludes liability for any decision taken on the basis of information shown in or omitted from this Website.

The material on this site is published by us and is intended for use in Australia. The site is not intended for use outside Australia. We make no claim that the information contained on this site is appropriate or may be downloaded legally outside Australia. If you access this Website from outside Australia, you do so at your own risk and you are responsible for compliance with the laws in your respective jurisdiction.

This site is a business and commercial site. It is, therefore, not intended for persons under the age of 18. If you are under 18, you should speak to your parents, your guardian, or a responsible adult and obtain their permission to use this site.

The information, materials and services contained on this site are provided to you 'as is', and 'as available'. To the maximum extent permitted by law, unless otherwise specified, we disclaim all representations and warranties of any kind, whether express, implied, or statutory. In addition, we do not warrant, guarantee, or make any representations regarding the security of accounts, or that this site is free from destructive materials, including but not limited to computer viruses, hackers, or other technical sabotage. We also do not warrant, guarantee, or make any representations that access to this site will be fully accessible at all times, uninterrupted, or error-free.

Use of this site is limited to obtaining insurance quotes, obtaining other information relating to the price of insurance cover and conducting insurance related transactions or queries, in respect of insurance cover for you or a member of your immediate family, with their prior consent. You agree not to otherwise use this Website to obtain insurance quotes, or to obtain other information relating to the price of insurance cover from us or conduct insurance-related transactions or queries. You also agree to indemnify us in respect of any liability incurred by us for any loss, cost damage or expense, howsoever caused, suffered by us as a result of your breach of this obligation.

In using this Website, you agree that you will not, either directly, or indirectly through another party, use any robot, spider, screen scraper, data aggregation tool or other device or process to process, monitor, copy or extract any web pages on this Website, or any of the information, content or data contained within or accessible through the/this Website, without our prior written permission. Further you agree not to use any process to aggregate or combine information, content or data contained within or accessible through this Website with information, content, or data accessible via or sourced from any third party. In addition, you agree not to use any information on or accessed through the Website for any commercial purpose or otherwise (either directly or indirectly) for profit or gain. You also agree not to reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with this Website, or copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from the/this Website without our prior written permission.

Password Usage

In some areas on the Website, you will be given the opportunity to register with us. It is your responsibility to maintain the confidentiality of your details and your password and to restrict access to your computer to prevent unauthorised access to your account.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Website Terms.

You must inform us promptly if you have reason to believe that your password is being used in an unauthorised manner.

Liability

To the maximum extent permitted by law, we disclaim liability for any damages, including, without limitation, direct or indirect, special, incidental, compensatory, exemplary or consequential damages, losses or expenses, including without limitation lost or misdirected orders, lost profits, lost goodwill, or lost or stolen programs or other data, however caused and under any theory of liability arising out of or in connection with (1) use of this site, or the inability to use this site by any party; or (2) any failure or performance, error, omission, interruption, defect, delay in operation or transmission; or (3) line or system failure or the introduction of a computer virus, or other technical sabotage, even if we or our employees or representatives are advised of the possibility or likelihood of such damages, losses or expenses.

Intellectual property

All trade names, brand names, trade symbols, logos, slogans, trademarks, or services marks are trademarks or proprietary interests of us. There are other trade names, brand names, trade symbols, logos, slogans, trademarks, service marks, brand names, company names, logos, slogans, trademarks, or service marks indicated on the Web site that are the property of their respective owners.

Third parties

This web site may contain a number of links to other Internet sites which are operated by third parties. The provision of the link does not mean that we endorse or accept any responsibility for the content, use, or products and services made available through the associated web sites. By utilising these links, you acknowledge and agree that we are not responsible for the actions, content, accuracy, privacy policies, opinions expressed, services provided, goods sold, or other links provided by these sites. You further acknowledge and agree that we are not responsible either directly or indirectly for any damage or loss caused by use of or reliance on linked sites. Should you have any questions regarding these sites, you should address them directly with the relevant site administrator.

Jurisdiction

This agreement is governed by the law in force in the state of New South Wales, Australia. Any dispute arising in connection with these Terms of Use or in connection with your use of the Website which cannot be resolved by good faith negotiations between you and miCover shall be referred to mediation or to arbitration. However, we reserve, at our absolute discretion, our right to instigate legal proceeding prior to negotiation, arbitration or mediation against any individual, organisation, or entity, who in our opinion has acted in breach of these Terms and Conditions.

Data Protection

Any personal information you supply to miCover via this Website will be treated in accordance with the Privacy Act 1988 (Cth) (“Privacy Act”)

For more details see our privacy policy.

Contacting Us

Questions, comments, and requests are welcomed, and you should get in touch by contacting us at hello@getmicover.com

Complaints

We know that sometimes things go wrong and, in the unlikely event this happens, we want to put it right. As a valued client of miCover, we want you to tell us if our advice or service does not meet your expectations. We take all client dissatisfaction seriously and seek to use the lessons learned to improve the way we do things. Please visit our complaints page for details.