Terms of Use

Welcome to the ACE Insurance Limited ABN 23 001 642 020 AFSL No. 239687 ("ACE") website. By accessing or using this website, you agree to these Terms of Use.

The Terms of Use include our Privacy Policy and any other terms or conditions on this website.

Changes to Terms of Use

We may change the Terms of Use at our discretion and without notice.A copy of the current version of the Terms of Use is made available on this website.

By continuing to use this website, you accept the Terms of Use, as they apply from time to time.

Website

This website has been created to provide you with information about the products and services that ACE can offer.ACE does not represent that any product or service referred to in this website is either available to you or complies with legal requirements in any jurisdiction outside of Australia.

ACE makes every reasonable effort to provide accurate and up-to-date information about the products and services it can offer. However, the information is subject to change without notice and you should always check the current terms and conditions of specific products and services.

Electronic Communications

When you visit this Web Site or send e-mails to us, you are communicating with us electronically.  You consent to receive communications from us electronically.  We may communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Information Does Not Constitute Advice

The content and information provided by ACE on this website is not intended to constitute advice of any kind, whether financial advice or otherwise.The fact that a product or service is shown or available from this website does not necessarily mean that it is suitable for you or your needs. 

As a result, you need to consider the appropriateness of any information, having regard to your objectives, financial situation and needs, before acting on it.

Liability

ACE makes no warranties or representations about this website or any of its content.

To the maximum extent permitted by law, we exclude any liability which may arise as a result of the use of this website, its content or any of the information on it. We will never be liable to you or anyone else for any indirect, incidental, special or consequential loss arising out of the use of this website, including loss of business profits, revenue or contracts.

Links to Third-Party Sites

Our website may contain links to third-party websites, over which we have no control. We make no representations about the accuracy of information contained on those websites. The fact that this website may contain information about and links to third parties’ products or services does not mean that ACE is providing advice about these products or services, nor is ACE in any way endorsing or recommending them.

We are not liable for the content on those websites or any loss or damage you may incur through your use of the links.

Cookies & GIFS

This website may store cookies in your web browser in order to better serve you upon any subsequent visits to this website by you.

Cookies are a standard for storing small pieces of data in a web browser.

By using cookies, websites can track information about visitors' usage of the site, provide customised content, or even the use of password protection.

Most web browsers can be configured to notify the user when a cookie is received, allowing you to either accept or reject it.

In addition to cookies, we may also use other means of passively collecting non-personally identifiable data about your use of our web sites, such as through the use of “clear GIFs” (small pieces of data that may be embedded in images on our web sites that enable us to track your usage of our web sites) and analyzing “click stream” data (the virtual trail you leave behind while browsing the Internet and viewing our web sites).  We only use clear GIFs and click stream data to gather anonymous data about your visit to our web sites.  Blocking cookies will prevent clear GIFs from tracking your activity, and also prevent us from collecting certain other anonymous unique information, such as your IP address, but the clear GIF will still account for an anonymous visit.

In addition to the above we may employ to collect non-personally identifiable information about you or your visits to our web sites, we may also obtain anonymous information which you provide to us online - for example, when you use our tools and calculators.

We reserve the right to use and share anonymous data (including data aggregated from you and other users of our web sites, tools and calculators) for any purpose and with any third parties, unless prohibited by law.

Intellectual Property

Unless otherwise indicated, ACE owns the copyright in the content on this website. Some of the copyright in the content may be owned by a third party and is included on our website under a licence or agreement with them. 

You may make hard copies of the information on this website for your own personal use only, provided that any copy of the content and information that you make retains all the ACE copyright and other proprietary notices and disclaimers contained in the website.

Otherwise, you may not reproduce, distribute or transmit to any other person or incorporate in any way into any document or any other material the information and content of the website without our prior written approval.

Except where provided or directed on the website, you must not change or try to change any words, data, image or any other item on this website.

Availability of Website

Routine maintenance, demand on systems and other circumstances may mean that this website and the services provided on it may not always be available.

Privacy

Any collection or holding by ACE of your personal information, through the use of this website or otherwise, is subject to our Privacy Policy.

Jurisdiction

The Terms of Use are governed by and construed in accordance with the laws of Australia, which will apply to any legal disputes arising from the use of the website. 

If any provision in these Terms of Use is found to be unlawful, void or unenforceable for any other reason, then that provision shall be deemed severable from and shall not affect the validity and enforceability of the remaining provisions.