Terms & Conditions of Use

Terms and Conditions Of Use

Find Insurance provides this website (Website) to help compare the life insurance products available through Find Insurance’s comparison service (Comparison). By using the Website you acknowledge and agree to these terms of use (Terms of Use).

1. Use of the Website

The information and Find Insurance comparison service is made for your personal use to assist you in obtaining information on, and providing comparisons with, the products offered on the Website.

You must not use the Website or Comparison in any manner that is inconsistent with the purpose for which they were provided or in any way which breaches any laws or is not permitted by these Terms of Use. This includes using any method or process to copy, replicate, republish, modify or repackage the content, or anything to place an unreasonable load on the Website or its infrastructure.

Website further terms and conditions  

The information provided on this website is intended to provide general information only and the information has been prepared without taking into account any particular person’s objectives, financial situation or needs. Before acting on such information, you should consider the appropriateness of the information having regard to your personal objectives, financial situation or needs. In particular, you should obtain professional advice before acting on the information contained on this website and review the relevant Product Disclosure Statement (PDS). 

Relevant PDSs can be obtained by contacting us. No representation or warranty is made as to the accuracy, completeness or reliability of any estimates, opinions, conclusions or other information contained on this website. This website may contain certain forward-looking statements. Forward-looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors, many of which are beyond our control. You should not place reliance on forward-looking statements. To the maximum extent permitted by law, we and ClearView Financial Advice Pty Ltd disclaims all liability and responsibility for any direct or indirect loss or damage which may be suffered as a result of relying on anything on this website including any forward looking statements. Past performance is not an indication of future performance. 

Website Content 

The materials displayed on this site including without limitation all information, text, materials, graphics, software, advertisements, names, logos and trademarks (if any) on this site (Content) are protected by copyright, trademark and other intellectual property laws unless expressly indicated otherwise. You must not modify, copy, reproduce, republish, frame, upload to a third party, post, transmit or distribute this content in any way except as expressly authorised in writing by us or ClearView Financial Advice Pty Ltd. You may view this site using your web browser and save an electronic copy, or print out a copy, of parts of this website solely for your own information, research or study, but only if you keep all content intact and in the same form as presented on this site (including without limitation all copyright, trademark and other proprietary notices and all advertisements). You must not use this site or the information on this site in any manner or for any purpose which is unlawful or in any manner which violates any of our right or the rights of ClearView Financial Advice Pty Ltd. 

Advertising and Links to Other Websites 

This site contains links to third party sites. These linked websites are not under our control or the control of ClearView Financial Advice Pty Ltd (ClearView) and neither we nor ClearView is not responsible for the content of any linked website or any hyperlink contained in a linked website. ClearView provides these hyperlinks to you as convenience only and the inclusion of any link does not imply any endorsement of the linked website by us or ClearView. A link made to any such website is entirely at your own risk. 

The information on this website is provided for Australian residents only, and where indicated, may be limited to specific states and territories of Australia. The law applicable to Victoria will apply to this website unless other states or territories are expressly provided. 

2. General Advice

The information contained in this Website is of a general nature and does not take into consideration your personal situation and needs.  Please read the relevant Product Disclosure Statement from the insurer to consider whether the product is appropriate for your situation before making a purchase.

3. Eligibility for cover

The Find Insurance Comparison is based on the information you have provided when requesting a Comparison. Acceptance for the products outlined on this Website is dependent on your eligibility for cover after your application is reviewed and approved by the insurer.  Any revised terms to the standard product are determined during the underwriting process and are not included in the Comparison pricing and information provided.

4. Security Statement & Security Features

We are committed to implementing a number of security controls to ensure the integrity and security of data. These include the implementation of:

a. 256 bit SSL encryption. This level of encryption will be used on all data that is sent between your computer and any of the secure pages on this website;

b. A time-out period after a period of browser inactivity to reduce the risk of anyone else accessing your account details if you leave your computer; and

c. Regular security reviews of the Find Insurance systems architecture.

5. Use of Your Information

You acknowledge and agree that Find Insurance may use your personal information in accordance with the Privacy Policy.

7.  Disclosure of Commission and Pricing

The pricing on this site is provided by an independent research house and is displayed in Australian dollars (AUD). The amounts are subject to change with price revisions and do not include any revised terms that may be applied, such as a loading.

In order to provide a free comparison service, Find Insurance receives a commission payment from participating insurance providers for the services provided by Find Insurance on this Website, only when a policy is approved and goes into force.  Please see the Find Insurance Financial Services Guide for more information.

8. Jurisdiction

The law applicable to the use of this Website and to these Terms of Use is the law of Victoria, Australia, you submit to the exclusive jurisdiction of the courts of Victoria in relation to any matters arising under these Terms of Use or in relation to this Website.

9. Limitation of Liability

a. The Find Insurance Comparison collates information from third-party sources and therefore inaccuracies may occur on the Website information that Find Insurance cannot control.

b. To the fullest extent permissible by law the materials on this Website are provided “as is” and without warranty of any kind (either express or implied). Find Insurance does not warrant that the website or its contents will be error and/or omission free or provided uninterrupted. Nor will Find Insurance be liable for errors and/or omissions or interruptions to the Website.

c. To the fullest extent permissible by law, Find Insurance specifically disclaims any and all liability that may arise for direct, indirect, incidental, consequential, loss of profit or special damages that may arise from the access to and/or use of this Website and the Comparison.

d. To the fullest extent permissible by law, Find Insurance specifically disclaims any and all liability in relation to or arising out of the Website information and Website recommendations. You are responsible for your choice of insurance product and type and amount of cover and should carefully read the information supplied before making a purchase., If you have questions about your product selection, ensure that you read the relevant Product Disclosure Statement for the insurance product you are interested in obtaining. Further information can also be obtained from Find Insurance or the relevant participating insurance provider.

10. Change of these terms

Find Insurance may update these Terms of Use at any time and at Find Insurance's sole discretion.

11. Comparison Methodology

Although Find Insurance frequently reviews the information provided by the Website, we do not warrant or guaranteed the timeliness, accuracy or completeness of the Website site information.

Below is a guide on the methodology used to source and update the Comparison information provided.

Comparison InformationSourceFrequency of updates

The prices are provided monthly premium price is sourced from an independent research house.

Updated monthly