Terms of use

References in these terms of use to "AIA Australia”, "us” or "we” will be taken to be references to AIA Australia Limited (ABN 79 004 837 861 AFSL 230043) and AIA Financial Services Limited (ABN 68 008 540 252 AFSL 231109) unless context dictates otherwise.
  
By participating and using this website, You acknowledge your consent and agreement to the following terms of use (Terms) without limitation or qualification. Please read these Terms carefully before using this website. Your use of this website is governed by these Terms and they may be revised at any time by updating this section of the website.  You agree to any amended Terms by continuing to access this website and you accept that by doing this, you have been provided with sufficient notice of the amendments. You should therefore periodically visit this page to review the then current Terms to which you are bound.

Conduct
You must not use this website for any purpose that is unlawful or prohibited by these Terms. You agree to abide by all applicable laws and regulations and codes of conduct.
  
In particular, you agree not to:
a) use this website to disparage, defame, abuse, harass, stalk, threaten or otherwise offend others;
b) publish, distribute, email, transmit or disseminate any material which is unlawful, obscene, defamatory, indecent, offensive or inappropriate;
c) engage in or promote any surveys, contests, pyramid schemes, chain letters, unsolicited emailing or spamming via the website;
d) impersonate any person or entity;
e) upload, post, email, transmit or otherwise make available using the website any material that you do not have a right to make available under any law or contractual obligation or which contains viruses, or other computer codes, files or programs designed to interrupt, limit or destroy the functionality of other computer software or hardware;
f) interfere with the operation of this website or any infrastructure used to make this website available;
g) do anything that would result in us needing to compensate another person at law or at the direction or recommendation of a regulator.
  
We retain the right at all times to monitor, retain or disclose or otherwise handle any information you provide or any information that is created as a result of your use of this website in accordance with our Privacy Policy (available here) or as necessary to satisfy any applicable law, regulation, legal process or governmental request.
 
Online applications
All applications for insurance or other products made via this website, with the assistance of this website or as a result of visiting this website must comply with the normal approval criteria of AIA Australia Limited, and are governed by the normal terms and conditions applying to each product or service requested.
 
Any insurance estimate service provided to you when you are applying for an insurance product is offered solely to assist you to purchase or decide to purchase insurance from AIA Australia Limited. You are not authorised to use high-volume, automated or systematic processes to obtain premium estimates. You agree not to compile, repackage or disseminate for commercial purposes any information provided by use of any insurance estimate service without our prior written consent. We reserve the right to terminate your access to these services in our sole discretion, including for submitting excessive requests for these services.
 
This website may contain or make available various tools, calculation devices, software programs or other features which assist you in calculating the optimal insurance premium or level of excess for you. This website may also contain helpful hints or other information.
  
Whilst AIA Australia has undertaken reasonable steps to ensure that any such features or information as described above are accurate and free from defect, to the extent permitted by law, which law cannot be excluded, AIA Australia does not warrant the accuracy, adequacy, correctness or completeness of these features. These features are provided on an "as is" basis. The monetary figures used by these features in any calculations are estimates only and do not take account of your particular circumstances.
 
You should consider the relevant Product Disclosure Statement before deciding to buy or continue to hold any financial product.
  
Disclaimer
To the fullest extent permitted by applicable law:
 
(1) The materials on this website are provided "as is" and without warranties of any kind either expressed or implied and, AIA Australia and its respective subsidiaries and affiliates disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose; 
(2) AIA Australia and its respective subsidiaries and affiliates do not warrant that the website or the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components; and 
(3) AIA Australia and its respective subsidiaries and affiliates do not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability or otherwise. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes. For complete details please refer to the actual policy or the relevant product or services agreement.
 
This website may be linked to other websites which are not maintained by us. We are not responsible for the content of those websites. The inclusion of any link to such websites does not imply approval of or endorsement by us of the websites or the content thereof. You acknowledge and agree that you access such websites at your own risk.
 
Limitation of liability and indemnity
While reasonable efforts are made to include accurate and up to date information on this website, errors or omissions sometimes occur. To the fullest extent permitted by applicable law, we make no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall we or any party involved in creating, producing or delivering the website be liable to you for any direct, incidental, consequential, indirect or punitive damages that result from the use of or the inability to use, the materials on this website, even if we or one of our authorized representatives has been advised of the possibility of such damages. To the fullest extent permitted by applicable law, in no event shall our total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website.
 
We also assume no responsibility, and shall not be liable for, any damages to or viruses that may infect, your computer equipment or other property as a result of your access to, use of or browsing in the website or your downloading of any materials, data, text, images, video or audio from this website.
 
Regardless of the platform, gateway, portal or mode of access you use to install, download or access the website, your telecommunications provider may, depending on the type of contract you have, charge you for accessing this website or for any usage of this website (such as data charges, sms charges). AIA Australia cannot be held responsible for these charges.
 
You agree to fully indemnify, defend and hold harmless AIA Australia, its employees, staff, agents and directors from and against any and all damages, losses, liabilities, costs and expenses (including full legal costs on a solicitor-client basis) suffered by AIA Australia arising from or in connection with:
 
(i) your access to or use of any aspect of this website; 
(ii) any other party’s access to or use of this website and/or online facilities using your account and/or password; or 
(iii) your breach of any of these Terms; 
(iv) any other party’s breach of any of these Terms where such party was able to access or use this website and/or online facilities using your account and/or password; 
(v) your infringement of the rights (including the intellectual property rights) of another person.
 
Restrictions on use of materials
This website is owned and operated by AIA Financial Services Limited and is used under licence for the purpose of making insurance offers to you. No materials from this website or any website owned, operated, licensed or controlled by us may be copied, reproduced, republished, modified, stored in a retrieval system, used for creating derivative works, uploaded, posted, transmitted (by any form or by any means), distributed or used in any other way for public or commercial purposes. You may download material displayed on this website for your personal use only. You may not distribute, modify, transmit, reuse, repost, or use the content of this website, for public or commercial purposes, including the text, images, audio, and video, without the written permission of AIA Financial Services Limited. You must not use this website for any purpose that is unlawful or otherwise prohibited by these Terms.
 
We neither warrant nor represent that your use of materials displayed on this website will not infringe rights of third parties.
 
Jurisdictional issues 
Unless otherwise expressly set out in these Terms, we make no representation that material on this website is appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.
 
Except as expressly set forth herein the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by us. No security, insurance product or other product or service is offered or will be issued or sold by us or, if issued or sold by us, will be effective in any jurisdiction in which such issue, offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.
 
Ownership of information
Any information, other than personal data or information, you transmit to us via this website, by electronic mail or otherwise, including data, questions, comments or suggestions will be treated as non-confidential and non-proprietary and will become the property of the recipient.
 
Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast and posting. We are free to use any ideas, concepts, know-how or techniques contained in any communication you send to us via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. You waive all applicable rights you may have in any information (other than personal data) you transmit to us via this website or otherwise, for the purposes of this section of the Terms.
 
Intellectual property
All trademarks, service marks, trade names, logos, icons and copyright are proprietary to AIA Australia and/or one or more of their respective subsidiaries and affiliates. Other than as expressly set out in these Terms and except as permitted by applicable law, nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any intellectual property including, but not limited to, any trademark or logo displayed on this website (without written permission). Your use of the trademarks and logos displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.
 
Software licences
To the extent that any software is made available or provided to you on this website by us, we and/or our relevant subsidiaries and affiliates grant you a non-exclusive, limited and personal licence to download and use the software for your own personal, non-commercial use only. No other rights to the software are granted. All rights including intellectual property rights in the software remain the property of the relevant licensors or owners of the software and, except as permitted by law, you may not reverse engineer, decompile, modify or tamper with the software.
 
Security reminder
We take our user's security and confidentiality very seriously. While there is inherent risk in doing business with anyone over a public medium like the Internet, we have implemented measures to reduce these risks. In order to safeguard and protect your privacy, all communication sent from your computer to our secure systems is encrypted to ensure the confidentiality of all data sent and received. For more information, please see our Policy available here.
 
General
The information on this website is provided for Australian residents only and any monetary amounts within this website are expressed in Australian currency. These Terms will be governed by the laws of Victoria and the parties agree to submit to the exclusive jurisdiction of the courts of Victoria.
 
These Terms may be varied from time to time. If any of these Terms are determined to be illegal, invalid or otherwise enforceable, then such conditions shall be severed and deleted from these Terms to the extent of such illegality, invalidity or unenforceability and the surviving conditions shall continue to apply.
 
The failure or delay of AIA Australia to exercise or enforce any rights does not constitute a waiver of such rights.
 
 
 
 
 

The Bendigo Life™ suite of products is distributed by AIA Financial Services Limited ABN 68 008 540 252, AFSL 231109, including through its authorised representatives, and is issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia).

Bendigo and Adelaide Bank Limited ABN 11 068 049 178, AFSL 237879 (Bendigo Bank) is a distributor of the Bendigo Life suite of products only; it does not sell, issue or guarantee these products.

Descriptions of product benefits and features are a summary only. Other terms and conditions also apply as described in the Product Disclosure Statement available on this site. This information is subject to change.  It has been prepared without taking into account the objectives, financial situation or needs of any individuals and you should consider the appropriateness of this information in these contexts before acting on it.  You should consider the Product Disclosure Statement in deciding whether to acquire or continue to hold a financial product.