Terms & Conditions of Service
Transparency builds trust – our terms and conditions clearly outline our mutual responsibilities and commitments.
Our comprehensive terms and conditions ensure compliance with Australian insurance regulations while clearly defining our service commitments and your rights as our valued customer.
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Terms and Conditions Overview
Welcome to SecureShield Insurance. These Terms and Conditions (T&Cs) govern your use of our website and services provided by SecureShield Insurance, accessible from secureshieldinsurance.com.au. By accessing this website or using our services, you agree to be bound by these T&Cs. If you disagree with any part of these terms, you must not use our website or services.
These T&Cs were last updated on November 22, 2023. Any future revisions will be clearly indicated by an updated date and may include summaries of significant changes, which will be communicated via our website or direct notice.
Your acceptance of these T&Cs constitutes a legally binding agreement between you and SecureShield Insurance. We encourage you to read them carefully before proceeding with any insurance application or service engagement.
Our services and these T&Cs are governed by and construed in accordance with the laws of Australia, with particular reference to the Australian Consumer Law and relevant prudential regulations.
For any questions or clarifications regarding these Terms and Conditions, please do not hesitate to contact our customer support team at info@secureshieldinsurance.com.au or call us at 1300-SHIELD.
Website Use and Digital Services
This section outlines the terms pertaining to your interaction with our digital platforms and services. SecureShield Insurance grants you a limited, non-transferable, non-exclusive license to access and make personal use of our website.
Acceptable Use Policy
- You agree not to use the website for any unlawful purpose or in any way that interrupts, damages, or impairs the site.
- You must not attempt to gain unauthorized access to any part of the website, server, or database connected to our services.
- Misuse of online tools, including automated data collection tools, is strictly prohibited.
Account Creation and Management
When creating an account with SecureShield Insurance, you agree to: provide accurate, current, and complete information; maintain the security of your password; and promptly update your account information. You are responsible for all activities that occur under your account.
Intellectual Property Rights
All content on this website, including text, graphics, logos, images, and software, is the property of SecureShield Insurance or its content suppliers and protected by Australian and international copyright laws. Unauthorized reproduction or distribution is prohibited.
Online Quote and Application Terms
Any quotes provided through our website are indicative and subject to final underwriting approval. The submission of an online application does not constitute a binding contract of insurance until confirmed in writing by SecureShield Insurance, usually after full review and premium payment.
Insurance Coverage and Policy Terms
This section details the critical aspects of our insurance policies, ensuring you have a complete understanding of your coverage.
General Policy Conditions
All policies issued by SecureShield Insurance are subject to the terms, conditions, exclusions, and limitations outlined in your specific Product Disclosure Statement (PDS) and Policy Schedule. It is crucial to review these documents carefully.
Premium Payment Terms
Premiums are due on or before the due date specified in your policy schedule. Failure to pay premiums on time may result in cancellation of your policy or refusal to pay a claim. Details on payment methods and late payment consequences are available in your PDS.
Claims Process Requirements
To make a claim, you must notify SecureShield Insurance as soon as reasonably possible after an incident occurs. You are required to provide all necessary documentation and cooperate fully with our claims assessment process. Misleading information or fraudulent claims will result in policy voidance and potential legal action.
Policy Cancellation and Refunds
You may cancel your policy at any time by notifying SecureShield Insurance in writing. Refunds, if any, will be calculated on a pro-rata basis, subject to any minimum premiums, fees, or charges as specified in your policy terms. We reserve the right to cancel policies as outlined in the PDS, typically for non-payment or fraudulent activity.
Coverage Exclusions and Limitations
It is vital to understand that all insurance policies have exclusions and limitations. Common exclusions include acts of war, nuclear risks, and pre-existing conditions not declared or accepted. Comprehensive details of what is not covered are explicitly stated in your Product Disclosure Statement.
Important: Product Disclosure Statement (PDS)
For detailed information on policy terms, conditions, exclusions, and cooling-off periods, always refer to the specific Product Disclosure Statement (PDS) relevant to your insurance product. The PDS documents are available for download on our website or by contacting our team.
Regulatory Compliance and Industry Standards
SecureShield Insurance is committed to upholding the highest standards of regulatory compliance and ethical conduct within the Australian financial services industry.
APRA and ASIC Compliance
We are regulated by the Australian Prudential Regulation Authority (APRA) and the Australian Securities and Investments Commission (ASIC). Our operations fully comply with the prudential standards and conduct obligations set forth by these key regulatory bodies, ensuring the financial stability and integrity of our services.
Consumer Protection and Dispute Resolution
SecureShield Insurance adheres strictly to the Australian Consumer Law, ensuring fair dealing and transparent practices. In the event of a dispute or complaint, we have an established internal dispute resolution process. If you are not satisfied with our resolution, you have the right to escalate your complaint to the Australian Financial Complaints Authority (AFCA), an independent external dispute resolution scheme.
Privacy and Data Handling Standards
Your privacy is paramount. We manage your personal information in accordance with the Australian Privacy Principles outlined in the Privacy Act 1988 (Cth). Our Privacy Policy details how we collect, use, store, and disclose your personal data.
Financial Services Licensing
SecureShield Insurance holds an Australian Financial Services (AFS) Licence, authorizing us to provide financial product advice and deal in financial products to retail and wholesale clients. Our AFS Licence number is prominently displayed in our company information documentation.
Still Have Questions?
If anything in these Terms and Conditions remains unclear, or if you require further clarification on any aspect of our services, our dedicated team is here to assist you.
Contact Our Team