References to “you”, “your” and “yours” are references to the person(s) accessing the website.

References to “we”, “us”, “our” and “National Seniors Australia” are references National Seniors Australia Pty Ltd.

By using this site you acknowledge that you have read and understood these Terms and agree to be bound by them.

The information and other material on this Site (including these Terms) may be varied or modified at any time without notice. Your continued access to or use of this Site following such changes constitutes acceptance of them (including any amended Terms).

Further detail on the services we offer you and how we are paid are set out in the Financial Services Guide (FSG). You should download and read a copy of the FSG. By continuing to receive a quote or to purchase insurance you agree to receive the FSG by accessing it from this website.

If you are dissatisfied with our service in any way contact us and we will attempt to resolve the matter with Allianz and nib in accordance with our Internal Dispute Resolution procedures.

If you are not satisfied with the decision or a decision is not reached within 30 days, you may lodge a complaint with an external dispute resolution scheme which is independent and free to you (subject to its relevant terms and rules) as follows:

The Australian Financial Complaints Authority

Online: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678
Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001. 

The information on this website is general information only and has been provided to help you decide if any of the insurance products are right for you, but it does not provide any advice based on any consideration of your investment objectives, financial situation or needs. Before acting on this information you should consider the appropriateness of the information for your particular objectives, financial situation and needs.

You should obtain a Product Disclosure Statement (“PDS”) in relation to any product you are interested in and consider that document before making any decision on whether to acquire or to continue to hold any product. The relevant Target Market Determination is available by calling 1300 50 50 99.

Unless expressly stated otherwise this information does not constitute an offer or inducement to enter a legally binding contract and does not form part of the terms and conditions for products and services arranged by us.

The products and services available from this site are available to Australian residents only.

While we have taken reasonable care in producing the information on this website, National Seniors Australia, its directors, officers or employees does not give any representation or warranty of any kind in relation to the accuracy, reliability or completeness of the information now or in the future. National Seniors Australia accepts no responsibility for any errors or omissions from the information on this website or for any action taken in reliance on it.

Subject to any terms implied by law that cannot be excluded, National Seniors Australia and its directors, officers, employees and contractors exclude all liability to you for any loss, damage, cost or expense whatsoever arising from your use of or inability to access this website, or from reliance on information contained in or accessed from this website.

Liability of any member of National Seniors Australia for any breach of a condition or warranty that cannot be excluded is limited, at our option to the supply of the product or service again, or the payment of the cost of having the products or services supplied again.

Where we provide a link to another site it is for convenience only. Except where specifically indicated, we do not endorse or approve the content of such sites. We provide no warranty regarding the content of any third party site and will not be responsible for any loss, damage, cost or expense relating to your use of or access to a third party site via this website.

Copyright in the information and materials on this site, the design, text, graphics, images, software and layout is owned or licensed by us. All rights are reserved.

You may imprint, copy, download or temporarily store extracts from our site for your personal use or when you use our products and services. You may not use this site to sell a product or to increase traffic to your website for commercial reasons.

Except as permitted by the Copyright Act 1968 or other applicable laws, you must not reproduce, adapt, upload, download, link to, frame, modify, distribute, sell, publish or transmit in any form or by any process any of the material on this website, except with our prior written consent.

This website also contains a number of trademarks, logos and symbols which are either owned by us or used with the permission of their owners. You may not use these trademarks, logos or symbols or the names of any of our related companies without our prior written consent.