Terms & Conditions

Welcome to the East West Insurance Brokers website (the “Website”). The Website is owned and operated by East West Insurance Brokers Pty Ltd ABN 83 010 630 092 AFSL 230041 trading as East West Insurance Brokers (“East West”, “we”, “us”, “our”).  “You” means the Website user.

Your access to this Website is conditional upon your acceptance of and compliance with the terms and conditions contained in this document (“Terms of Use”). Your accessing of this Website constitutes your agreement to the Terms of Use.

East West reserves the right to amend the Terms of Use from time to time. Amendments will be effective immediately upon publication on this Website.  Your continued use of this Website following such publication will constitute your agreement to the Terms of Use as amended.

You can find out more about us from our Financial Services Guide and more about our products from the Product Disclosure Statements. The East West range of products can only be bought by Australian residents. Additionally, other terms or conditions may apply in relation to products or services offered via the Website, and you will also be bound by these as they apply to you.

If you have a question about any term or condition, service or product, please call one of our friendly and professional consultants on 1800 809 132.

You must not:

(a) use the Website for any activities or post or transmit via the Website, any information or materials which breach any laws or regulations, infringe a third party’s rights, or are contrary to any relevant standard or codes;

(b) use the Website to post of transmit any material which interferes with other users or defames, harasses, threatens, menaces, offends or restricts any person or which inhibits any user from using the Website or Internet;

(c) use the Website to send unsolicited email messages;

(d) in any way tamper with, hinder or modify the Website;

(e) knowingly transmit any viruses or other disabling features to the Website or via the Website;

(f) use the Website in any manner which is prohibited by the Terms of Use, use the Website for any unlawful purpose, or in any manner, which violates any right of East West (or associated entity), another user of the Website, or any other third party; and

(g) attempt any of the above acts or facilitate or assist another person to do any of the above acts.

Cover will not commence until we accept your application for cover from a Start Date to be agreed and give you a Cover or Policy Number. Do not confuse this with your Quote Number.  Our Business Hours are Monday to Friday 8.30 am to 5 pm (“Business Hours”).

Request a Quote. The Website enables you to request a quote by submitting basic information to us.  You should read your Duty of Disclosure (refer below) before doing so.  Your personal information will be treated carefully by us, please see our Privacy Policy [insert link].

Receive an Estimate Quote. We will use that information to give you an Estimate Quote by email or phone.  If we are unable to give you an estimate, we will tell you why and try to help by referring you elsewhere.  It is an Estimate Quote because it is subject to meeting underwriting criteria and may change due to various factors e.g. driving offences, claims, driver age, and the vehicle itself, etc.  An Estimate Quote is not binding and does not give you any cover.

Apply for Insurance. If you like our estimate, you can apply for a firm quote and insurance cover by:-

(i) Calling us on 1800 809 132 or

(ii) Responding to our electronic quote and we will call you.

The choice is yours.

We will promptly respond during Business Hours by asking you a few detailed questions enabling us to give a firm quote, subject to receipt of the premium within quoted credit terms, proof of your No Claim Discount rating, and any other condition we tell you about. We will honour the firm quote for 30 days provided your information has not changed.

Commencement of Cover. Cover commences when we accept your application by giving you a Cover or Policy Number.  Cover will not commence before the first day of the Period of Insurance whether or not money is paid before then.

Remember:- No Cover or Policy Number means no cover.

(a) What you must tell us
When answering our questions you must be honest and you have a duty under law to tell us anything known to you and which a reasonable person in the circumstances would include in the answer to the question. We will use the answers in deciding whether to insure you and anyone else to be insured under the policy, and on what terms.  Your Duty of Disclosure also extends throughout the policy period and to each time you renew the policy.

(b) Who needs to tell us?
It is important that you understand you are answering our questions in this way for yourself and anyone else whom you want to be covered by the policy.

(c) If you do not tell us
If you do not answer our questions in this way, we may reduce or refuse to pay a claim, or cancel the policy.

If you answer our questions fraudulently, we may refuse to pay a claim and treat this policy as never having been in force.

Failure to comply with your Duty of Disclosure, especially concerning your riding/driving history, including speeding fines, could severely affect the result of any claim made on the policy and could lead to the claim being declined.

If you do not understand your duty, please ask us to explain it.

We arrange policies for and on behalf of insurer/s and act under a binding authority given to us by the insurer/s to administer and issue policies, alterations, renewals and at times to also settle claims.  In all aspects of these policies, we act on behalf of the insurer and not for you.  We remind you of this when we quote and in the relevant Product Disclosure Statement (PDS).

You acknowledge and agree that information provided on the Website is of a general nature only and is not, and is not intended to be, advice. We have not given you any personal advice until we tell you that we have done so by considering your individual financial situation, objectives or needs.  In any event, you should consider the relevant PDS and any other information made available to you before you Request to Buy to ensure that it’s right for you.  It is your responsibility to assess and verify the accuracy, completeness and reliability of the information on this Website, and to seek professional advice where necessary.

The Website may provide links to other websites (“Linked Sites”). Any external links are provided as a courtesy and we are not responsible for the content or privacy practices associated with the Linked Sites.  We do not warrant, sponsor, endorse or approve the operators of Linked Sites or the material found at the Linked Sites.

Every effort is made to ensure that information on the Website is free from error; however we do not provide any warranties in respect of the material on the Website. All information contained on the Website is subject to change without notice. To the maximum extent permitted by law, East West disclaims all liability for any delays, errors or omissions contained in this information or any failure to update or correct this information.  Any information transmitted to or from this Website is transmitted at your own risk.  You are responsible for ensuring you have alternative contingency arrangements in place to enable you to conduct insurance by other means should the Website be unavailable.  We may at any time withdraw the Website or products for any reason and without notice, and the Website is offered on an “as is” and “as available” basis only. All restrictions imposed on you, disclaimers and limitations of liability set out in these Terms of Use will survive termination.

East West does not warrant the availability, functionality or performance of the Website, the electronic transmission, receipt authentication, lodgement or any other dealing whatsoever with electronic documents or mail or any other data, or the use of automatic language translation devices in connection with this Website.

You must take your own precautions to ensure that the process which you employ for accessing this Website does not expose you to the risk of viruses, malicious computer code or other forms of interference which may damage your own computer system.  East West does not accept responsibility for any interference or damage to your own computer system which arises in connection with your use of this Website or any linked website.

We cannot screen all content provided on the Website and the information provided on any open discussion site, blog, social media tool or forum available through this Website. We do not assume any responsibility for the content of any open discussion site, blog, social media tool or forum available through this Website.  We will not be responsible for any offensive language or otherwise objectionable content contained in this Website or on any open discussion site, blog, social media tool or forum available through this Website.

To the extent permitted by law, we exclude all implied conditions and warranties with respect to this Website, and its content, except any implied condition or warranty the exclusion of which would contravene any statute or cause any part of this clause to be void.

East West does not accept responsibility for any loss or damage, howsoever caused (including through negligence), which you may directly or indirectly suffer in connection with your use of this Website or any linked website, nor do we accept any responsibility for any such loss arising out of your use of, or reliance on, information contained on, or accessed through, this Website.

All intellectual property rights in this Website, including the design, text, graphics, logos, icons, images, the selection and arrangement thereof, sound recordings and all software relating to this Website, are owned by or are licensed to East West. These intellectual property rights are protected by Australian and international laws.

Other than for the purposes of printing one hard copy of the material on this Website for non-commercial use, research, criticism or review, and subject to the conditions prescribed under the Copyright Act 1968 (Cth) and similar legislation which applies in your location, you may not in any form or by any means copy, adapt, reproduce, store, modify, distribute, print, upload, display, perform, publish, post, frame within another website or create derivative works from any part of this Website or commercialise any information obtained from any part of this Website without East West’s prior written permission or, in the case of third party material, from the owner of the copyright in that material.

You agree to indemnify East West, its directors, employees, shareholders, agents and other persons involved in the creation of this Website for all damages, losses, penalties, fines, expenses and costs (including legal costs) which arise out of or relate to your use or misuse of this Website, any information that you provide to East West via this Website, any damage that you may cause to this Website or any breach of these Terms of Use. This indemnification includes, without limitation, liability relating to copyright infringement, defamation, invasion of privacy, trade mark infringement and breaches of the Australian Consumer Law.

These Terms of Use are governed by and construed in accordance with the laws of Queensland and you agree to submit to the jurisdiction of the courts of Queensland in relation to any dispute regarding these Terms of Use.

If any of the Terms of Use are found to be unenforceable under Queensland law, this will not affect the remainder of the Terms of Use.

All rights not expressly granted in the Terms of Use are reserved.

Terms and Conditions of Entry – East West Insurance Brokers Pty Ltd Blanket Promotions 2016-2017 (Blanket)

 General

1. 1. Information on how to enter, dates and prizes as set out in the Schedule form part of the Terms and Conditions of Entry (Terms and Conditions) for each competition conducted under the Blanket (each a Competition). Entry into this Competition deems acceptance of these Terms and Conditions.
   2. To the extent of any inconsistency between these Terms and Conditions and any other reference to this Competition, these Terms and Conditions prevail.

Who can enter

1. 1.  Subject to any age restriction specified in item 1 of the Schedule, entry is open to all residents of Australia who fulfil the requirements set out below.

How to enter

1. 1. Entrants may enter this Competition by following the entry requirements set out in Item 2 of the Schedule. Conditions specific to the method of entry are set out in Item 2 of the Schedule.
   2. Entries must include all requested contact details, including a valid email or postal address (as requested), to be eligible to win. Entrants may only enter in their own name. Inaudible, incomprehensible, illegible, and incomplete entries will be deemed invalid.

Number of Entries permitted

1. 1.  Entrants may enter this Competition as often as is specified in Item 3 of the Schedule.

Open, Close, Draw and Publish dates

1. 1.  The Competitions conducted under this Blanket commence on 09/09/2016 at 12:01 AM AEST/ AEDT and closes on 08/06/2017 at 11:59 PM AEST/ AEDT. (Blanket Promotional Period). Entries for each Promotion must be received by the Promoter prior to the Competition close date and time. The final draw will occur no later than 09/06/2017 at 11:00 AM AEST/ AEDT.
   2. Each individual Competition conducted under the Blanket will open, close and be drawn on the date specified in Item 1 of the Schedule. All draws will be conducted at the premises of Permitz Group Pty Ltd at 4 Ilya Avenue, Erina 2250 NSW or the Promoter’s Premises. The Promoter will ensure that all entries have an equal chance of winning a prize.
   3. The Promoter will ensure that all entries have an equal chance of winning the major prize.
   4. The winner/s will be notified by email or mail (as determined by the address provided by the entrant) and telephone within two business days of the draw.
   5. Prizes will be sent within 28 days of the draw.
   6. The Promoter may conduct such further draws three months after the original draw in order to distribute any prizes unclaimed by this date, subject to State and Territory legislation. Winners of any further draws will be notified by email and telephone within two business days of the draw.

Prize on offer

1. 1.  Total prize value is up to $100,000 over the Blanket Promotional Period as at 4/02/2016 Records will be kept of all prizes and winners of each Competition conducted under the permits issued under the Blanket. Individual prizes under the blanket will not exceed $1,000 in value and no more than $3000 will be given away at each draw.
   2. The prizes on offer for each individual Competition are specified in Item 5 of the Schedule and conditions specific to the prize/s are specified in Item 4 of the Schedule.

Further Terms and Conditions

1. 1.  Any entrant found to have used a third party (including online Competition entry site) to enter on their behalf will have all entries invalidated and any claim they have to any prize will be invalidated. If such an entrant is awarded a prize and then found to have breached this clause, the entrant must immediately return any prize awarded upon demand. The Promoter has sole discretion to determine if this clause has been breached by any entrant. The Promoter reserves the right to request whatever documentation it deems necessary to confirm if the entrant has breached this clause. An entrant must provide any requested documentation to the Promoter upon request.
   2. Any entrant found to be entering incorrect contact details, including incorrect email contact details, will have all entries invalidated and any claim to any prize will be invalidated. If such an entrant is awarded a prize and then found to have breached this clause, the entrant must immediately return any prize awarded upon demand. The Promoter has sole discretion to determine if this clause has been breached by any entrant. The Promoter reserves the right to request whatever documentation it deems necessary to confirm if the entrant has breached this clause. An entrant must provide any requested documentation to the Promoter upon request.
   3. If the prize is unavailable, for whatever reason, the Promoter reserves the right to substitute the prize for a prize of equal or greater value, subject to State and Territory legislation. Cash will not necessarily be awarded as a substitute. It is a condition of accepting the prize that the winner must comply with all the conditions of use of the prize and prize supplier’s requirements. Each prize must be taken as stated and no compensation will be payable if a winner is unable to use the prize as stated.
   4. The Promoter highly recommends a current residential street address be provided when requested for ease of correspondence and potential prize delivery. The Promoter makes all reasonable efforts to deliver prizes to the addresses provided by Competition entrants. The Promoter cannot guarantee that any prizes returned to the Promoter due to non-delivery at the provided address will be re-sent to the prize winner.
   5. The Promoter reserves the right to request winners to sign a winner’s deed of release or any other relevant forms or agreements that the Promoter deems necessary, to provide proof of identity, proof of age, proof of residency at the nominated prize delivery address and/or proof of entry validity (including phone bill) in order to claim a prize. Proof of identification, residency, age and entry considered suitable for verification is at the discretion of the Promoter. In the event that a winner cannot provide suitable proof, the winner will forfeit the prize in whole and no substitute will be offered.
   6. The Promoter reserves the right to conduct a redraw in the event that an entrant, claiming to be a winner, is unable to satisfy these Terms and Conditions or has breached these Terms and Conditions.
   7. The Promoter’s decision in relation to any aspect of the Competition is subject to State and Territory legislation but also final and binding on each person who enters. No correspondence will be entered into. No responsibility is accepted for late, lost or misdirected entries. Prizes are subject to availability, not transferable or exchangeable and, with the exception of cash prizes, cannot be taken as cash. Prizes will be sent to the winner’s nominated address as stated in their original entry. The Promoter and their associated agencies, and companies associated with this Competition will take no responsibility for prizes damaged or lost in transit.

Privacy Collection Statement

1. 1.  Entries may be disclosed to Permitz Group Pty Ltd for the sole purpose of conducting the Competition draw. The name of winners may be used for promotional purposes by the Promoter, unless a winner otherwise notifies the Promoter at the time of accepting their prize. Entrants consent to the Promoter using their personal information provided in connection with this Competition for the purposes of facilitating the conduct of the Competition and awarding any prizes and any applicable statutory authorities and to conduct direct marketing activities. Without limiting the foregoing, entrants’ personal information provided in connection with this Competition will be handled in accordance with the Promoter’s Privacy Statement, a copy of which is available at http://www.eastwestinsurance.com.au/privacy-statement/ .

Copyright, Statutory guarantees, Waiver and liability

1. 1. In participating in the prizes, the winners agree to participate and co-operate as required in all editorial activities relating to the Competition, including but not limited to being interviewed and photographed. The winners (and their companions) agree to granting the Promoter a perpetual and non-exclusive licence to use such footage and photographs in all media worldwide, including online social networking sites, and the winners (and their companions) will not be entitled to any fee for such use.
   2. Prize-winners are advised that tax implications may arise from their prize winnings and they should seek independent financial advice prior to acceptance of that prize.
   3. The Promoter (subject to State and Territory legislation) reserves the right to amend, cancel or suspend this Competition if an event beyond the control of the Promoter corrupts or affect the administration security, fairness, integrity or proper conduct of this Competition. The Promoter will disqualify any individual who has tampered with the entry process or any other aspect of this Competition. In particular, entries via the Internet, computer generation and use “scripting” is not permitted and will not be accepted.
   4. Any cost associated with accessing the promotional website is the entrant’s responsibility and is dependent on the Internet service provider used.
   5. Nothing in these Terms and Conditions limit, exclude or modify or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act 2010 (Cth), as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the State and Territories of Australia (Non-Excludable Guarantees).
   6. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or Entrant; or (f) use of a prize The Promoter (including its’ officers, employees and agents) excludes all liability for any loss (including, without limitation, indirect, special or consequential loss or loss of profits or opportunity), expense, damage, personal injury or death which is suffered or sustained (whether or not arising from any person’s negligence) in connection with this Competition including taking or using a prize, except for any liability which cannot be excluded by law (in which case that liability is limited to the minimum allowable by law), including the Non-Excludable guarantees. Any change in value of the prize occurring between the publishing date and date the prize is claimed is not the responsibility of the Promoter.
   7. The Promoter is East West Insurance Brokers Pty Ltd (ABN 83 010 630 092) of 19 Rosedale Street Coopers, Plains QLD 4108 (‘Promoter’).

Authorised under

• NSW Permit LTPM/16/00977.  

Schedule