Terms & Conditions
'Our', 'Us' and 'We' refers to The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 trading as Real Insurance, of Level 12, 465 Victoria Ave, Chatswood, NSW, 2067, Australia, and its related bodies corporate, including Greenstone Financial Services Pty Ltd, ABN 53 128 692 884 of Ground Floor, 58 Norwest Blvd, Norwest, NSW, 2153, Australia. The words 'you' and 'your' refer to users of this public Website.
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. Real Insurance has taken reasonable care in producing this information. However, to the extent permitted by law, Real Insurance does 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 (including the use of online self-services), 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 our online self-services, you must "register" by accurately completing the required details on the registration page. Once registered, you must not provide your login details to any other person or allow any other person to use your login details. You may only use the online self-services to view or manage information relating to another person or their insurance policies with their express consent. Where you hold a policy jointly with another policy holder, each policyholder will be required to register for individual logins, however any transaction performed by one policyholder will be taken to be an authorised transaction by all policyholders. Any transactions performed and confirmed on our online self-services will be taken as information you submit to us. If your transaction confirmation is not received by us, you acknowledge that we are not liable to you in any way for loss or damage, caused directly or indirectly, in connection with your confirmation transmission.
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.
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.
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 Website that are the property of their respective owners.
This website 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 websites. 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.