Terms and Conditions

Terms of Use for Guide to the Good Life Website

This website is operated by Apia. The Terms of Use (including the Privacy Statement) govern your access to and use of the information, text, graphics and materials on the website ("Content") and the computer storage, processing and use of your personal information.
Apia reserves the right to vary the Terms of Use (including the Privacy Statement) at any time by publishing the varied provisions on this website. You accept and agree that by doing this Apia has provided you with sufficient notice of the variation.

1. Accuracy of Information
The Content has been compiled from a number of sources and is accurate at the time of its inclusion on the website. Information on which the Content is based and the Content itself are subject to change without notice.

2. General Insurance Products and Advice
Where, this website refers to or discloses any information about Apia branded products, such as insurance, the information on the website is general advice only and does not take into account your individual objectives, financial situation or needs. Before acting on this advice you should assess whether it is appropriate for you. You should also consider the relevant Product Disclosure Statement (PDS) before making any decision about a product detailed on this website.

Australian Alliance Insurance Company Limited ABN 11 006 471 709 (AAI) AFS Licence No. 235011, level 4, 440 Collins Street, Melbourne 3000, is the issuer for policies effected by Australian Pensioners Insurance Agency Pty Limited ABN 14 099 650 996 (Apia). Australian Pensioners Insurance Agency Pty Limited is an authorised representative and wholly owned subsidiary of AAI, and acts as AAI's agent under an authority given to it by AAI to enter into contracts of insurance on behalf of AAI as insurer and deal with and settle claims on behalf of AAI.

3. Intellectual Property
The Content is either owned or licensed by Apia andis the intellectual property of either Apia or a relevant licensor. All Content is protected by copyright, trademark and common law. Nothing on this website grants, or shall be construed as granting, any license, sub-license or right to use any of theContent appearing on it.

Except where necessary for viewing the Content on your browser or as a permitted use under the Copyright Act 1968 (Cth) or other applicable law, no material on this website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form or by any process, for any commercial purpose without the specific written consent of Apia or the relevant licensor. You must not use the Content for any illegal or unlawful purpose.

4. Links to Other Sites
This website will contain links to other sites independently maintained by others, such as affiliated partners or sponsors of the Guide to the Good Life program. . As Apia does not control these other sites, we cannot be responsible for the content or accuracy of the information or other material on any linked sites. The provision of a link to another website does not mean that AAI or Apia makes a recommendation or gives any endorsement or approval of any products or services displayed on those other sites.

5. Limitation of Liability
Subject to any responsibilities or liabilities implied by law and which cannot be excluded by law, neither AAI or Apia or any companies related to AAI or Apia nor any director, officer, employee, consultant or agent thereof accepts any responsibility or liability for any losses, damages and demands arising in any way (including by reason of negligence) connected with the use of the website, the websites unavailability or interruption or for errors in and omissions from the Content and does not accept any responsibility nor owe any duty of care to any person acting or refraining from acting as a result of information on the site. This exclusion shall apply in respect of, without limitation, any interruption of services, lost profits, loss of contracts or business opportunity, loss of data or any consequential, incidental, special or punitive damages arising from use of the website or the promotional items, whether arising in contract, tort, under statute or otherwise.

As Apia does not host the web site, Apia is not responsible for any problem or technical malfunction of any communications network or any late, lost, incorrectly submitted, delayed, ineligible, incomplete, corrupted or misdirected entries to competitions or web forms and does not make any warranty or guarantee that the web site will be fully operating or error free.

6. Jurisdiction
This website is for access and use by Australian residents only. Some of the Content may be limited in its application to specific States and/or Territories of Australia. The website and these Terms of Use will be governed exclusively by the law of the State of New South Wales, Australia.

7. Hosting and other functionality of this website
Apia or an agent of APIA has entered into arrangements with third parties to assist Apia in operating this website, including providing the Content and manageing the functionality. The domain name guidetothegoodlife.com.au is owned by WTFN Entertainment Pty Limited ABN 84 096 259 808. The website is hosted by an external hosting business, trading as Studiocoast. To assist with functionality of the website, any information entered into the website is collected, used and disclosed by MassMedia Studios Pty Limited ABN 40 092 342 375 (MassMedia), to those parties, including Apia in accordance with these terms of use and Privacy Statement. As this web site is externally hosted by Studiocoast and uses certain tools developed by MassMedia to create the functionality of this web site, you will also be subject to any terms and conditions imposed by those businesses.

Privacy Statement for Website

Apia is a member of the Suncorp Group. Click here to read the Suncorp Group Privacy Policy.

1. Your personal information
Apia believe that any personal information we have about you should be carefully protected to ensure that your privacy is maintained. Personal information is information such as where you live, your lifestyle, and marital status.

2.. Why do we collect your personal information?
Apia will collect or facilitate the collection of personal information via this website for the purposes of:

• enabling you to use the full functionality of this website;
• entering you into competitions and other promotions via the website and administering and running those competitions and promotions;
• developing a database to understand market trends and customer needs on an aggregated basis;
• sending you E-zines and other information via the website or otherwise.

We may use your personal information (other than sensitive information) to enable us to send you information about other financial products and services from time to time.

We will use your personal information for any other purpose connected with the above where you may reasonably expect us to use or disclose your personal information.

3. What happens if you choose not to provide us with this information?
If you do not provide us with the personal information required we may be unable to issue insurance cover, assess or manage any claim made.

4. Who will we disclose your personal information to and collect it from?
We may disclose your personal information to and collect it from the following kinds of people or organisations including AAI, when appropriate, and only in connection with the above purposes:

• other members of the Suncorp group,
• IT companies, such as hosting companies and those providing other IT solutions for this website;
• mailing houses;
• legal and other professional advisers;
• other service providers, such as advertisement and media agencies.

5. How can you access the information we hold about you?
You can request access to the personal information we hold about you by contacting us.

6. How we will handle your request for information
We will endeavour to respond to your request as quickly as possible. Depending on the nature of your request and the accessibility of the information, we will respond within five business days. In some circumstances we may charge for the costs associated with providing you with your personal information. We will inform you if a charge applies before we locate the information for you.

7. Sometimes we may not give you access to your personal information
In some circumstances we may not be able to provide you with your personal information. In such cases we will give you the reasons for our decisions.

8. How to contact us?

• Phone us on 13 50 50.
• Write to us at your nearest Apia branch as per the address on this website
• Visit us at your local Apia branch.

9. Third parties and their collection, use and disclosure of your personal information
As detailed under the terms of use there are some third parties with whom Apia or an agent of Apia have entered into arrangements with to provide the functionality and host this website. In respect of your personal information:
this website will link to the website of other third parties, including affiliated partners and sponsors of the website. Those parties will not receive your personal information from Apia or this website. You should understand that once you have navigated to the third party website, you will be subject to any collection, use and disclosure terms and conditions of that third party. The hosting business that Apia uses to host this site may simply as a result of hosting, route or store for a short period time, your personal information or parts of your personal information. Massmedia, the company which provides a web tool to provide functionality to this site will collect, use and disclose your personal information in accordance with the purposes and to the parties, detailed in this statement.