Terms & Conditions

Knose Financial Services Pty Ltd (ABN 38 620 795 735, AFSL No. 536651) (‘Knose’) is an underwriting agency.

Any advice provided on this website, is general advice only and has been prepared without taking into account individual objectives, financial situation or needs and you should consider the appropriateness of this advice and the Product Disclosure Statement (PDS) available via this website or by calling 1300 356 642, before deciding to acquire, or to continue to hold, the product.
Terms, conditions, limits and exclusions apply. Please refer to the PDS and Certificate of Insurance.

Use of www.knose.com.au and www.knoseeveryday.com (“Websites”) and the products and services available through these sites, are subject to the following Terms and Conditions. Your use of these Websites constitutes your agreement to be bound by these Terms and Conditions. From time to time, we may change these Terms and Conditions, without notice. Any subsequent use of these Websites by you, will mean that you have accepted the changes to these Terms and Conditions.
If you do not agree to these Terms and Conditions, you must not use these Websites.

(‘Our’), (‘Us’) and (‘We’) refers to Knose Financials Services Pty Ltd ABN 38 620 795 735 and Knose Care Pty Ltd ABN 96 619 770 973 Level 4, 99 Bathurst Street Sydney NSW 2000. The words (‘you’) and (‘your’) refer to users of these public Websites.

The information in these sites is a summary only. Source material should be consulted in all cases affecting legal rights or responsibilities. Changes in circumstances may occur at any time and may impact on the accuracy or completeness of the information. We have taken reasonable care in producing this information. However, to the extent permitted by law, we do not warrant the accuracy, adequacy or completeness of the information and excludes liability for any decision taken on the basis of information shown in or omitted from these Websites.

The material on these sites is published by us and is intended for use in Australia. The site is not intended for use outside Australia. We make no claim that the information contained on these sites is appropriate or may be downloaded legally outside Australia. If you access these Websites from outside of Australia, you do so at your own risk and you are responsible for compliance with the laws in your respective jurisdiction. 

These Websites and their content are made available only to the following persons for bona-fide purposes:

• genuine customers and potential customers interested in purchasing a product from us for themselves or their immediate family (with their consent);
• affiliates and potential affiliates interested in joining our affiliate program;
• our employees in the course of their employment duties; and
• any other person who has our prior written consent to do so.

By using these Websites, you warrant that you are such a website user and that you are over the age of 18. If you are under 18 you should speak to your parents, your guardian, or a responsible adult and obtain their permission to use these sites. You must not use these Websites or their content:

• for commercial purposes (including, without limitation, for a person’s competitive advantage or to our competitive disadvantage);
• in any other manner that is inconsistent with the purposes for which these Websites are provided;
• in any manner which is in breach of any laws; or
• in any other way that is not expressly permitted by these Terms and Conditions or us.

The information, materials and services contained on these sites are provided to you ‘as is’ and ‘as available’. To the maximum extent permitted by law, unless otherwise specified, we disclaim all representations and warranties of any kind, whether express or implied. In addition, we do not warrant, guarantee or make any representations regarding the security of accounts, or that these sites are free from destructive materials, including but not limited to computer viruses, hackers, or other technical sabotage.

We also do not warrant, guarantee, or make any representations that access to these sites will be available at all times, uninterrupted, or error-free. Use of these sites is limited to obtaining insurance quotes, obtaining other information relating to the price of insurance cover and conducting insurance related transactions or queries, in respect of insurance cover for you or a member of your immediate family, with their prior consent. You agree not to otherwise use these Websites to obtain insurance quotes, or to obtain other information relating to the price of insurance cover from us or conduct insurance-related transactions or queries. You also agree to indemnify us in respect of any liability incurred by us for any loss, cost, damage or expense, howsoever caused, suffered by us as a result of your breach of this obligation.

In using these Websites you agree that you will not, either directly, or indirectly through another party, use any robot, spider, screen scraper, data aggregation tool or other device or means to process, monitor, copy or extract any web pages on these Websites, or any of the information, content or data contained within or accessible through these Websites, without our prior written permission.

You agree not to use any process to aggregate or combine information, content or data contained within or accessible through these Websites with information, content or data accessible via or sourced from any third party. In addition you agree not to use any information on or accessed through these Websites for any commercial purpose or otherwise (either directly or indirectly) for profit or gain. You also agree not to reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with these Websites, or copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from these Websites without our prior written permission.

To the maximum extent permitted by law, we disclaim liability for any damages, including, without limitation, direct or indirect, special, incidental, compensatory, exemplary or consequential damages, losses or expenses, including, without limitation, lost or misdirected orders, lost profits, lost goodwill, or lost or stolen programs or other data, however caused and under any theory of liability arising out of or in connection with (1) use of these sites, or the inability to use these sites by any party; or (2) any failure or performance, error, omission, interruption, defect, delay in operation or transmission; or (3) line or system failure or the introduction of a computer virus, or other technical sabotage, even if we or our employees or representatives are advised of the possibility or likelihood of such damages, losses or expenses.

All trade names, brand names, trade symbols, logos, slogans, trademarks or services and marks are trademarks or proprietary interests of Knose IP Pty Ltd. There are other trade names, brand names, trade symbols, logos, slogans, trademarks, service marks, brand names, company names, logos, slogans, trademarks or service marks indicated on the Website that are the property of their respective owners.

Except where necessary for viewing the documents or information on the Websites on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms and Conditions, no documents or information on
these website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed, stored, published, displayed or transmitted in any form by any process and you may not create derivative works from any part of this website or commercialise any information obtained from any part of this website without our specific written consent or, in the case of third party material, from the owner of the copyright in that material.

The Websites may contain a number of links to other Internet sites which are operated by third parties. The provision of the link does not mean that we endorse or accept any responsibility for the content, use, or products and services made available through the associated websites. By utilising these links, you acknowledge and agree that we are not responsible for the actions, content, accuracy, privacy policies, opinions expressed, services provided, goods sold, or other links provided by these sites. You further acknowledge and agree that we are not responsible either directly or indirectly for any damage or loss caused by use of or reliance on linked sites. Should you have any questions regarding these sites, you should address them directly with the relevant site administrator.

These Terms & Conditions are governed by the law in force in the state of New South Wales, Australia. Any dispute arising in connection with these Terms & Conditions or in connection with your use of these Websites which cannot be resolved by good faith negotiations between us shall be referred to mediation or to arbitration. However, we reserve, at our absolute discretion, our right to instigate legal proceeding prior to negotiation, arbitration or mediation against any individual, organisation or entity, who in our opinion has acted in breach of these Terms and Conditions.

If you have any technical issues when using these Websites or any suggestions on how we can improve our service, please contact us at info@knose.com.au or on 1300 356 642.