Website Terms of Use

1. Using our website

1.1  Please read these terms carefully. All access to and use of this website is subject to our terms of use. By accessing and using our website, you agree to be bound by these terms.

1.2  This website is intended for use by Australian residents aged 18 years or older.

2. Third party products and services

2.1  We advertise third party products and services on our website. You can make enquiries about, or obtain quotes, via our website from participating brands for health insurance, life and income protection insurance, travel insurance, car insurance, novated leases for motor vehicles, energy plans, broadband plans, home loans, mortgages, credit cards or gift cards. These products and services are not provided by us.

2.2  It is your responsibility to determine whether a particular product or service is right or appropriate for you. Please read the relevant Product Disclosure Statement, policy document, Financial Services Guide and Target Market Determination (if applicable). You should consider this documentation and whether a product or service is appropriate for you carefully before deciding whether to purchase a product or service.

2.3  To the extent permitted by law, we are not liable to you for any loss or damage you suffer or incur in connection with third party products or services offered through our website, for acts or omissions of any third party in connection with those products or services or for the accuracy of the details of such products or services.

2.4  Products or services offered through our website, including their features and
terms and conditions, may change from time to time, in which case the relevant product provider may notify you as required by law.

2.5  We do not compare all products or services in the market.

2.6  Not all products or services advertised on our website will be available to all customers.

2.7  Prices for products and services listed on our website are quoted in Australian dollars.

2.8  Relevant details of products appearing on this website (including features and terms and conditions) have been supplied by the relevant product issuer who is responsible for the accuracy of such details.

2.9  Our subsidiary, Simple Financial Choices Pty Ltd (ABN 58 629 890 900, AFS Licence 537462) is party to a credit representative arrangement with Canopy Private Pty Ltd (ABN 99 168 628 073, Australian Credit Licence 558709). We receive remuneration if we refer a person to them and they choose to refinance or take out a new loan.

2.10  We have referral arrangements with CIMET Sales Pty Ltd (ABN 72 620 395 726, Australian Credit Licence 546701), Compare Club Australia Pty Ltd (ABN 29 634 600 007, AFS Representative Number 1279036 and Credit Representative Number 519886 of Alternative Media Pty Ltd (ABN 17 149 089 716, AFS Licence and Australian Credit Licence 486326)), TAL Direct Limited (ABN 39 084 666 017, AFS Licence 243260), Pepper Asset Finance Pty Ltd (ABN 56 165 183 317, Australian Credit Licence 458899), Metro CF Pty Ltd (ABN 85 650 102 891, Australian Credit Licence 531508), Metro Finance Pty Ltd (ABN 44 600 674 093), Angle Auto Finance Pty Ltd (ABN 16 161 130 696, Australian Credit Licence 530731) and Allied Retail Finance Pty Ltd (ABN 31 609 859 985, Australian Credit Licence 483211). We receive remuneration if we refer a person to them and they choose to purchase products or services.

2.11  We distribute certain health insurance products that are issued by Australian insurers, including Australian Unity Health Limited (ABN 13 078 722 568) and Bupa HI Pty Ltd (ABN 81 000 057 590), for which we receive commission. We only distribute products where we have arrangements with the insurer. We do not make available all health insurance policies in the market, and certain products may be unavailable from time to time. Not all policies will be available to all customers. Quotes provided for health insurance policies are based on the information you provide. If your current health insurance policy includes an age-based discount, and you switch, you may lose the discount. Read the policy document for information about inclusions, exclusions, waiting periods, annual limits, excesses and out-of-pocket costs. For more information, you can contact the underlying insurer.

3. How we are paid

We may receive payments from third party providers when you purchase
products or services from them.

4. No advice

4.1  We do not provide financial, investment or other advice.

4.2  The information on our website is factual only and does not amount to financial product advice. It also does not take into account your individual objectives, financial situation or needs.

4.3  Even though we may collect information about your financial circumstances, we do not provide any opinion or recommendation (actual or implied) in relation to the suitability or appropriateness of any products or services advertised on our website for you.

4.4  You should consult with, or consider consulting with, a financial adviser to obtain the benefit of financial advice before deciding to acquire or dispose of a product or service.

5. General

5.1  In these terms of use, “we”, “our” and “us” means Flare HR Pty Ltd (ABN 46 607 120 892) of Level 2, 309 Kent Street, Sydney, NSW 2000 (“Flare”) and its related bodies corporate. This website is owned and operated by Flare.

5.2  If you have any questions concerning our website or the products and services we provide, please contact us. 5.3 All content on our website is owned by us or licensed to us. You must not use, copy or distribute it without our prior written consent.

5.4  You are only permitted to use this website for personal use.

5.5  If you provide us with any information, you must ensure that it is true, accurate and complete.

5.6  Our Privacy Policy describes how we handle personal information.

5.7  We reserve the right to change our terms of use from time to time. The revised terms of use will become effective when we post them on our website. By continuing to use our website, you will be taken to have accepted the revised terms of use.

5.8  Any part of these terms will be severed to the extent that it is void or unenforceable. The validity or enforceability of the remainder of the terms will not be affected.

5.9  These terms are governed by the laws in force in the state of New South Wales, Australia and the parties submit to the non-exclusive jurisdiction of the courts of that state.