Disclaimer and Terms of Use

Welcome to the Healthcare Assist website. As a user of this website, you are bound by the following Terms of Use and you should carefully read and review all of these terms

Information provided on this website is general in nature and does not constitute financial advice.

Healthcare Assist will endeavour to update the website as needed. However, information can change without notice and Healthcare Assist does not guarantee the accuracy of information on the website, including information provided by third parties, at any particular time.

Every effort has been made to ensure that the information provided is accurate. Individuals must not rely on this information to make a financial or investment decision. Before making any decision, we recommend you consult our financial planners to take into account your particular investment objectives, financial situation and individual needs.

Healthcare Assist does not give any warranty as to the accuracy, reliability or completeness of information which is contained in this website. Except insofar as any liability under statute cannot be excluded, Healthcare Assist, its employees do not accept any liability for any error or omission on this web site or for any resulting loss or damage suffered by the recipient or any other person.

Licence
Healthcare Assist grants to you a licence to use its website, and by accessing the website you accept and agree to these Terms of Use. Pursuant to this licence you acquire a non-exclusive right to:

(a)		View the material in the website
(b)		Access material contained in the website
(c)		Use the website in any other way that is permitted by the licensee or these terms.

You may only download and use any material contained in this website:

(a)		for a temporary purpose (such as viewing offline); or
(b)		for the purpose of transacting business with Healthcare Assist; or
(c)		as a personal record of business which you have transacted with Healthcare Assist; and for no other purpose.

Your Obligations
You agree:

(a)		Not to use any material on the website for a commercial purpose, or copy, reproduce, transmit, distribute, link to, frame, adapt, alter, vary or modify any material on the website except as expressly authorised by these terms or with the written consent of Healthcare Assist but if you are an internet service provider, you may supply materials on this website to your subscriber.
(b)		Not to use the website for any illegal activity or in a way which defames, harasses, threatens, menaces, offends any person, or inhibits or restricts the use of the website by any other person.
(c)		Not to make any false statement request or claim to Healthcare Assist.
(d)		Not to use another person's name, user name or password to access the website or receive services offered by Healthcare Assist.
(e)		Not to knowingly transmit any virus or disruptive or disabling feature to Healthcare Assist.
(f)		Not to permit any other person to do any of the things which you agree not to do.
(g)		To destroy any copies, electronic and printed, or any material obtained from this website that you have in your possession or control or otherwise return or dispose of such material as directed by Healthcare Assist, if at any time Healthcare Assist terminates this licence.
(h)		That Healthcare Assist can use, reproduce, publish, modify, adapt or transmit any information which you post on the website or transmit to Healthcare Assist, without restriction and free of charge, subject to the Healthcare Assist Privacy Policy.
(i)		To indemnify and keep indemnified Healthcare Assist against all liabilities, damages, claims, losses, costs and expenses which Healthcare Assist may incur to you or any other person as a result of your breach of the provisions of these terms.

Disclaimer
Healthcare Assist does not warrant that the material on this website is accurate, complete or up to date. Healthcare Assist does not warrant that this website or any third party website will be uninterrupted or without error or defect or virus or other harmful component or that any error, defect or virus or other harmful component will be corrected. Healthcare Assist has no obligation to provide access to this website at any time or at all. Healthcare Assist may vary, amend, alter, or withdraw this website at any time. Healthcare Assist may at any time, and without notice, limit or terminate access of a user to this website. You agree that Healthcare Assist is not responsible or liable for:

(a)		any error or omission relating to the material contained in this website, or
(b)		you acting or relying on the material on this website, or
(c)		any delay or interruption to your access to this website, or
(d)		damage to computer hardware or software or loss of information stored on a computer arising out of your access to this website or any third party site by a link from this website.

Intellectual Property Rights
Copyright in the material on this website is owned or controlled by Healthcare Assist. “Healthcare Assist” and the Healthcare Assist mark or logo and any associated trademarks are the property of Healthcare Assist. All other marks or logos and any associated trademarks are the property of their respective owners.

Changes to these Terms
Healthcare Assist may at any time change, vary, amend, alter or withdraw these Terms of Use. It is your responsibility to review and consider the Terms of Use every time you use this website. Links to Third Party Sites Links to third party sites are provided for convenience only and do not imply any association with, endorsement, or approval of the third party site, or the contents of the third party site, or the people who operate the third party site. Any access to or use of a third party site is at your discretion and at your own risk.

Jurisdiction and Geographical Limits
These Terms of Use are governed by and construed according to the laws of Victoria, Australia. You submit to the non-exclusive jurisdiction of the Courts in Victoria in matters concerning this licence. Healthcare Assist Health Insurance is only available to Australian Residents.

Business Partners and Disclosure of Commission
Healthcare Assist Pty Ltd Health Insurance is underwritten by GMHBA Limited ABN 98 004 417 092 a registered not-for-profit Health Benefits Organisation. The information provided in this website is general only and does not take into consideration your objectives, financial situation or needs. Healthcare Assist is an Authorised Agent of GMHBA. You should discuss these factors with an Authorised Agent of Healthcare Assist Pty Ltd before deciding whether to acquire any product mentioned here.

Healthcare Assist Pty Ltd receives a commission for each premium paid by GMHBA Limited.


Life Insurance, Total Permanent Disability Insurance, Income Protection Insurance and Trauma Insurance advice and quotations are provided to Healthcare Assist Pty Ltd customers by Australian Financial Planning Group Pty Ltd (AFPG) ABN 66 050 139 850 AFSL 247430. The information provided in this website is general only and does not take into consideration your objectives, financial situation or needs. You should discuss these factors with an Authorised Representative of Australian Financial Planning Group Pty Ltd before deciding whether to acquire any product mentioned here.

Healthcare Assist Pty Ltd acts as referrer for these products only and does not make any recommendation or give any opinion about these products. Healthcare Assist Pty Ltd receives a commission of each premium paid for referring you to Australian Financial Planning Group Pty Ltd.


Domestic Insurance, Commercial Insurance and Travel Insurance advice and quotations are provided to Healthcare Assist Pty Ltd customers by Southern Cross Brokers Pty Ltd ABN 52 998 072 285 AFSL 238270. The information provided in this website is general only and does not take into consideration your objectives, financial situation or needs. You should discuss these factors with an Authorised Representative of Southern Cross Brokers Pty Ltd before deciding whether to acquire any product mentioned here.

Healthcare Assist Pty Ltd acts as referrer for these products only and does not make any recommendation or give any opinion about these products. Healthcare Assist Pty Ltd receives a commission of each premium paid for referring you to Southern Cross Brokers Pty Ltd.


Home Loan, Personal Loan and Car Loan advice and finance are provided to Healthcare Assist Pty Ltd customers by The Mortgage Gallery (Australia) Pty Ltd ABN 98 105 269 841 FBL 798. The information provided in this website is general only and does not take into consideration your objectives, financial situation or needs. You should discuss these factors with an Authorised Representative of The Mortgage Gallery (Australia) Pty Ltd before deciding whether to acquire any product mentioned here.

Healthcare Assist Pty Ltd acts as referrer for these products only and does not make any recommendation or give any opinion about these products. Healthcare Assist Pty Ltd receives a commission of each premium paid for referring you to The Mortgage Gallery (Australia) Pty Ltd.


Patient Finance advice and quotations are provided to Healthcare Assist Pty Ltd customers by Medical & Cosmetic Credit Pty Ltd ABN 33 107 967 260. The information provided in this website is general only and does not take into consideration your objectives, financial situation or needs. You should discuss these factors with an Authorised Representative of Medical & Cosmetic Credit Pty Ltd before deciding whether to acquire any product mentioned here.

Healthcare Assist Pty Ltd acts as referrer for these products only and does not make any recommendation or give any opinion about these products. Healthcare Assist Pty Ltd receives a commission of each premium paid for referring you to Medical & Cosmetic Credit Pty Ltd.


Statements of the Law
Statements made on this website are not intended to be statements of the law. Statements regarding the Australian health insurance regime are summaries which may not be comprehensive or complete.

General
These Terms of Use must be read in conjunction with the Healthcare Assist Privacy Policy. If you are a member of Healthcare Assist you are also bound by the Terms and Conditions of Membership. If there is any discrepancy or difference between material on this website and material contained in any written publication, form, or agreement of Healthcare Assist then the written version prevails. If any of these Terms of Use are held by a court to be invalid, then the invalid Terms of Use shall be excised and the remaining Terms of Use shall continue in full force and effect. A failure by us to pursue any legal right against a user does not constitute a waiver by us of that right.

Healthcare Assist	means	Healthcare Assist Pty Ltd (ABN 97 128 563 833) and all or any of its related bodies corporate within the meaning of the Corporations Act 2000 (Commonwealth) and includes its officers employees and agents.
link	means	any mechanism for providing a link or transfer from one location on the Internet (or a web page) to another location on the Internet (or a different web page or a different location on the same web page), and includes any mechanism for linking to, or providing access to, files via the Internet.
material	refers to	any word, statement, photograph, graphic or any other thing appearing on or located on the website.
member	means	a member of or contributor to a fund conducted by Healthcare Assist.
Terms of use, Terms	means	these Terms of Use or any of them or any modification, substitution, variation or amendment to these Terms of Use.
Third Party Site	means	any website owned or controlled by any person other than Healthcare Assist.
we, us, our (or any variation thereof)	means	or is a reference to Healthcare Assist.
the or this website	means	healthcareassist.com.au or any variation of this domain name or any web page or material which can be accessed through healthcareassist.com.au which is owned or controlled by Healthcare Assist.
user, you or your (or any variation thereof)	means	or is a reference to a user of this website.