Copyright
This site and its contents are subject to copyright. The site material copyright is owned by Life Insurance Advocates, or in the case of some material, a third party.
You may view this site and its contents using your web browser and electronically copy and print hard copies of parts of this site solely for personal, non-commercial use. Any other use, including the reproduction, modification, distribution, transmission, republication, display or performance, of the content of this site is strictly prohibited.
Trademarks
This site includes registered trademarks, and other trademarks that are otherwise protected by law. Except as expressly authorised, the use or misuse of any of these trademarks is strictly prohibited.
Included Trademarks and Registered Trademarks are Trademarks of their respective owners.
General Disclaimer
This website and the contents thereof are of a general nature only and neither represents nor is intended to be specific advice on any particular matter. This website and the contents thereof provides general information only and does not take into account your individual objectives, financial situation or needs. You should assess whether the information is appropriate for you and talk with your financial or other professional adviser before making an investment or financial decision. The contents of this web site are not to be relied upon as a substitute for financial or other professional advice. Rates quoted are indicative only. Fees and charges may apply.
Disclaimer
You agree that your access to, and use of, this site is subject to these terms and all applicable laws, and is at your own risk. This site and its contents are provided to you on "as is" basis, the site may contain errors, faults and inaccuracies and may not be complete and current.
Life Insurance Advocates makes no representations or warranties of any kind, express or implied as to the operation of this site or the information, content, materials or products included on this site, except as otherwise provided under applicable laws.
Neither Life Insurance Advocates, nor its affiliates, directors, officers, employees, agents, contractors, successors or assigns will be liable for any damages whatsoever arising out of, or in any way related to, the use of this site and any other site linked to this site. This limitation applies to direct, indirect, consequential, special, punitive or other damages you or others may suffer, as well as damages for loss of profits, business interruption or the loss of data or information.
Viruses
Life Insurance Advocates cannot guarantee that any file or program available for download and/or execution from or via this site is free from viruses or other conditions, which could damage or interfere with data, hardware or software with which it might be used. You assume all risk of use of all programs and files on this site, and you release Life Insurance Advocates Pty Ltd entirely of all responsibility for any consequences of its use.
Third Party Sites
This site may contain links to third party sites. Life Insurance Advocates is not responsible for the condition or content of those sites as they are not under Life Insurance Advocates' control. You access those sites and/or use the site's products and services solely at your own risk. The links are provided solely for your convenience and do not indicate, expressly or impliedly, an endorsement by Life Insurance Advocates of the sites or the products or services provided on the site.
Life Insurance Advocates does not permit any linkages to this site without prior permission.
Applicable Law
This site is controlled by Life Insurance Advocates. Your use of this site is governed by, construed and enforced in accordance with the laws of Victoria, Australia. Disputes arising from your use of this site are exclusively subject to the jurisdiction of the courts of Victoria, Australia.
This site may be accessed throughout Australia and overseas. Life Insurance Advocates makes no representations that the content of this site complies with the laws (including intellectual property laws) of any country outside Australia. If you access this site from outside Australia, you do so at your own risk and are responsible for complying with the laws in the place where you access the site.
Privacy
Security and Protection
This is the Privacy Policy of Life Insurance Advocates on the management of personal information. "We," "our" and "us" refers to (insert entity). "Personal Information" means information or an opinion, about an individual (a natural living person) whose identity is apparent or can reasonably be ascertained from the information or opinion.
We appreciate that as a customer you trust us with your personal information, and we are committed to safeguarding your privacy.
By using our website you:
- consent to personal information you provide for us to register you on our website, being used for that purpose;
- consent to the creation and maintenance of a database record about you;
- understand that we may use cookies on your browser; and
- agree that your continued use of our website means you agree with any changes to this privacy policy.
This policy
We are committed to safeguarding the privacy of our customers. We appreciate that as our customer, you trust us with your personal information.
In handling your personal information, we are bound by the National Privacy Principles in the Privacy Act and, where applicable, the policies and codes of industry groups to which we belong. This policy explains our general practices in handling personal information. If you need further information, have questions about our privacy practices or wish to gain access to your personal information, please contact us.
Collecting your personal information
We collect personal information for the purposes of providing insurance, financial and other services to you. If you do not provide us with your personal information we may not be able to provide you with the financial product or service you have requested.
The personal information collected may be used or disclosed by us for a secondary purpose related to the above purposes, but only if you would reasonably expect us to use or disclose the information for this secondary purpose. However for sensitive information, the secondary purpose must be directly related to the purposes above.
If we request personal information about you, and you do not provide it, we may not be able to provide the financial services requested. The details of exactly what types of personal information we collect can be found on the
Our use of cookies
Cookies are pieces of information that a website transfers to your computer's hard disk for record keeping purposes. Most web browsers are set to accept cookies. We use cookies to make your use of our website and services as convenient as possible. Cookies do not personally identify you, although they do identify your browser. Cookies are useful to estimate the number of customers and determine overall traffic patterns through our website. If you do not wish to receive any cookies you may set your browser to refuse cookies. This may mean you will not be able to take full advantage of our services.
Disclosing your personal information
We may disclose your personal information to, financial service providers, representatives of Guardianfp and other group companies within Suncorp, industry associations, auditors, lawyers, accountants other professional advisers or as required by law.
If you do not consent to the use and disclosure of your personal information as outlined, we will be unable to provide you with the financial service you have requested. Your continued use of this website indicates your consent to such use and disclosure of your personal information.
Access to your personal information
You can request access to your personal information by contacting us. If accessing your personal information will take an extended period of time, we will inform you of any likely delay.
The National Privacy Principles outline circumstances under which we may not agree to allow you access to some or all of your personal information. In such cases, we will give you a reason for our decision. We may charge for the cost of providing access to your personal information. We will inform you if such a charge applies before we proceed with your request.
Accuracy of your personal information
We will take reasonable steps to ensure that any personal information we hold about you is accurate, complete and up-to-date.
Security
We will take reasonable steps to protect any personal information we hold about you from misuse, loss or unauthorised access, modification or disclosure. We have information security policies in place for both computer records and for our paper files, which aim to minimise the risk of unauthorised access to your personal information.
Please contact us if you want further information about our security practices. Please notify us immediately if you become aware of any unauthorised use of this website by an Internet user or any other breach of security.