Terms and Conditions

 

Our point of difference is that we provide financial advice to find the best insurance cover for you. We don’t just provide options and hope you get it right – we advise you. We are experienced Registered Financial Advisors who are subject to the Financial Advisers Act 2008 and other legislation. Accordingly, we will provide you our Disclosure Statement and Scope of Engagement upon our first contact with you. After confirming your Fact Find Summary, we will provide services and recommend the best insurance cover(s) for you in a Statement of Advice. Upon your acceptance of the best insurance cover, we will assist you in completing an Insurance Application and any other matter(s) required by the insurance company to bind your insurance cover.

By visiting and using our website or by using access to any Fact Find or any document you agree to the following terms and conditions, so please read them carefully.

 

1. DEFINITIONS AND INTERPRETATION

Definitions

1.1 In these Terms:

“Access” means the Website, Flows and Documents We enable You to use through Our Website and the Automio marketplace;

“Account” means the account which You register with Us in order to use the Services;

“Automio Software” means the software which both We use and You use through the link from our Website to Automio marketplace to complete Flows and Documents;

“Document” means the end product produced by completing an Interview;

“Fee” means any of the fees charged in connection with the Services, a Flow, Interview or a Document as the case may be;

“Flow” means a programme which has been authored by Us through the Automio website using the Automio Software in order to create an Interview (and includes a partially completed Flow as applicable);

“Free Interviews” means the Documents You create using a Flow that we have authored which are created as a precursor to Us providing You Services;

“GST” means the tax imposed by the Goods and Services Tax Act 1985;

“Intellectual Property” includes copyright and all rights anywhere in the world conferred under statute, common law or equity relating to inventions (including patents), registered and unregistered trademarks and designs, branding, layouts, circuit layouts, data and databases, confidential information, know-how, Flows, Documents, Website and all other rights resulting from intellectual activity and includes any enhancement, modification or derivative work of such Intellectual Property;

“Interview” means an interview created by authoring a Flow which when completed produces a Document;

“Loss” includes loss of profits, savings, revenue or data, and any other claim, damage, loss, liability and cost, including legal costs on a solicitor and own client basis;

“Marketplace” means the Automio marketplace, available URL: https://autom.io/browse ;

“Privacy Policy” means Our privacy policy, as amended from time to time;

“Services” means financial insurance advice services provided to You by Us subsequent to any Flows completed, which may include any information provided to You on the Website (ClickCover website or Automio marketplace) or in completing or part-completing any Flows or Documents;

“Terms” means these terms and conditions;

“Underlying System” means any network, system, software (including the Automio Software), data or material that underlies or is connected to the Website, the Services, or any Flow, Interview or any Document;

“User” means any person or organisation who visits and/or uses the Website or uses any of the Services, Flows, Interviews or Documents or other content or information from the Website;

“User ID” means a unique name and/or password allocated to a User to allow a User to access certain parts of the Website including Your Account;

“We, Us or Our” means ClickCover Limited;

“Website” means www.clickcover.co.nz and any associated social media pages (as applicable); and

“You” or “Your” means you or any person or organisation who is a User (as applicable).

Interpretation

“Including” and similar words do not imply any limit.

Words in the singular include the plural and vice versa.

All monetary amounts are in New Zealand dollars unless expressly indicated otherwise.

A reference to a statute includes references to regulations, orders or notices made under or in connection with the statute or regulations and all amendments, replacements or other changes to any of them.

 

2. APPLICATION OF TERMS

2.1 By accessing and using the Website, any of the Services, or any Flow, Interview or Document:

2.1.1 You agree to these Terms; and

2.1.2 Where Your access and/or use is on behalf of another person (e.g. a company), You confirm that You are authorised to, and do in fact, agree to these Terms on that person’s behalf and that, by agreeing to these Terms on that person’s behalf, that person is bound by these Terms.

2.2 If You do not agree to these Terms, You are not authorised to access and use the Website, the Services, any Flow, Interview or Document, and You must immediately stop doing so.

 

3. CHANGES AND ACCESS

3.1 We may change these Terms at any time by notifying you by email or by updating them on the Website. Unless stated otherwise, any change takes effect immediately. You are responsible for ensuring You are familiar with the latest Terms. By continuing to access and use the Website, You agree to be bound by the changed Terms.

3.2 We may change, suspend, discontinue, or restrict access to the Website, the Services, any Flow, Interview or Document without notice or liability.

3.3 You have Access to the Website, Flows and Documents (subject to these terms and conditions) and consent to Us contacting You to provides Services in completing insurance cover for You.

3.4 These Terms were last updated on 1 August 2017.

 

4. SERVICES

4.1 By completing any of our ClickCover Flows, You will gain instant access to subsequent financial insurance advice. The contact details for our Registered Financial Advisors (RFAs) will be provided to you if you wish to complete insurance cover immediately, however our RFAs will contact you to complete insurance cover.

The Services

4.2 Our Services are accurately recorded in Our Disclosure Statement and Scope of Engagement, which We will provide to You on Our first contact upon either completing/part-completing a Flow, Document or using Our Website. Our Disclosure Statement and Scope of Engagement can also be provided to you at any time upon us receiving your written request. Our Disclosure Statement is provided to You out of caution to comply with statutory requirements as part of Our Flows, Documents and Website, so in the information you provide in the Flows you agree to be bound by the Disclosure Statement and clause 6.1.1. However, we confirm all information you have provided in the Flows, Documents and Website content is true and correct before providing Services and completing insurance cover.

Changes to the Services

4.7 Because the Services that We provide are always evolving, in particular but not limited to our ability to provide Rabo-advice in the future (which is not yet able to be provided to You pursuant to the Financial Advisers Act 2008) their form and nature may change from time to time and We may not be able to give You prior notice of any changes. In addition, We may stop (permanently or temporarily) providing features within the Website, Flows, Documents, Services or any of the Services themselves. You agree that ClickCover will not be liable to You or to any third party for any harm related to, arising out of, or caused by the modification, suspension or discontinuance of any of the Services or any part of any Service, for any reason.

4.8 We may also offer certain Website content, Flows or Documents which are still being tested, or for the for the purpose of testing and evaluation. You agree that We have the sole authority and discretion to determine the period of time for testing and evaluation. We will be the sole judge of the success of such testing and the decision, if any, to offer the any tested services as Services. We reserve the right to fully or partially discontinue, at any time and from time to time, temporarily or permanently, any of the services being tested with or without notice to You. You agree that ClickCover will not be liable to You or to any third party for any harm related to, arising out of, or caused by the modification, suspension or discontinuance of any of the services being tested, for any reason.

 

5. CHARGES AND FEES

5.1 There is no initial charges or fees payable by You for Us providing You Access, other than Your consent to be contacted for Services and to complete insurance cover. Once Services are to be provided by Us to You, Our Disclosure Statement and Scope of Engagement will be provided to You that states Our Fees and Charges.

5.2 You will not use Access for any other purpose than to obtain insurance cover and/or Services for yourself or your authorised or related third party entity. This clause applies whether or not you proceed with Services and completing insurance cover.

5.3 Your Documents and Flows (and any information on Our Website) is non-transferable and can only be used by one person or business entity (as applicable).

5.4 You may elect to either proceed with Services and complete insurance cover or not to proceed in accordance with clause 5.2 above. Any Website content, Flows or Documents provided to You are only valid for 30 days after their creation and being provided to You. After such time, if You have not accepted our Services and completed insurance cover, You will be deemed to have not elected to proceed with Services and insurance cover.

5.5 As part of the Access You are provided, you will automatically be registered with an Account. Accounts are personal to You, and must only be used by You. The Accounts are to assist You and Us in providing Services and completing insurance cover.

5.6 Where We detect that an Account has been used by multiple users, We will treat this as a serious breach of security and we reserve the right to suspend or terminate Your Account or take any other action we deem necessary or justified in order to enforce Our rights pursuant to these Terms and/or at law.

Payments

5.20 All payments are made upon completion of Services and binding insurance cover. Please refer to our Disclosure Statement and Scope of Engagement for further information.

 

6. YOUR OBLIGATIONS

6.1 You agree that You will:

6.1.1 Provide true, current and complete information in Your dealings with Us (including when being provided Access and setting up an Account), and must promptly update that information as required so that the information remains true, current and complete;

6.1.2 Keep Your User ID secure;

6.1.3 Not permit any other person to use Your User ID (including not disclosing or providing Your User ID to any other person);

6.1.4 Immediately notify Us if You become aware of any disclosure or unauthorised use of Your User ID, by sending an email to [email protected];

6.1.5 Not act in a way, or use or introduce anything (including any virus, worm, Trojan horse, timebomb, keystroke logger, spyware or other similar feature) that in any way compromises, or may compromise, the Website, Automio website or marketplace, or any Underlying System, or otherwise attempt to damage or interfere with the Website or any Underlying System; and

6.1.6 Unless with Our agreement, access the Website via standard web browsers only and not by any other method. Other methods include scraping, deep-linking, harvesting, data mining, use of a robot or spider, automation, or any similar data gathering, extraction or monitoring method. You acknowledge that currently the Automio Software Flow authoring tool requires Google Chrome to operate, and You agree that You shall only use the Flow authoring tool in conjunction with Google Chrome.

6.2 You agree not to:

6.2.1 Use the Website, Services, Flows or Documents for unauthorised or unlawful purposes (unauthorised use of the Website, Services, Flows or Documents may be a criminal offence and/or give rise to a claim for damages);

6.2.2 Re-sell any information, Flows or Documents You have gained access to on this Website or otherwise in connection with the Website or Our business, other than in accordance with these Terms;

6.2.3 Re-sell or attempt to benefit in a commercial fashion from any of the content available on the Website other than in accordance with these Terms;

6.2.4 Submit, post, transmit, or make available anything on the Website that is illegal, inappropriate, profane, obscene, defamatory, knowingly false and/or infringes copyright;

6.2.5 Conduct surveys, contests, pyramid schemes or chain letters on the Website, other than in accordance with these Terms; or

6.2.6 Collect information about Users without their consent.

6.3 You are not permitted to copy, reproduce, transmit electronically or otherwise use the Flows or Documents in whole or in part in order to re-sell them in any manner, whether in original form or amended in any way, other than in accordance with these Terms.

6.4 You must obtain Our written permission to establish a link to Our Website. If You wish to do so, email Your request to [email protected]

 

7. INTELLECTUAL PROPERTY

7.1 The Website and the Automio website and marketplace contains Intellectual Property owned by Us.

7.2 All title to, and all Intellectual Property rights in the Website, any Services, any Flows, any Documents and all Underlying Systems is and remains Our property or the property of other Users or of our licensors (as applicable). You agree not to dispute that ownership.

7.3 You may not modify, publish, transmit, participate in the transfer or sale of, create derivative works from, distribute, display, reproduce or perform, or in any way exploit in any format whatsoever any of the content of the Website, any Flow or any Document, in whole or in part, without Our prior written consent, otherwise than in accordance with these Terms.

7.4 You are not allowed to upload, post, publish, reproduce, transmit or distribute in any way any component of the Website itself or any Flow or any Document or create derivative works with respect thereto, otherwise than in accordance with these Terms.

7.5 We are not required to pay You for any of Your Intellectual Property other than where a Fee is due pursuant to these Terms.

7.6 We retain any rights to any content You submit, post or display on or through the Website and the Intellectual Property in any Flow or any Document that you create.

7.7 You grant us a worldwide, non-exclusive, royalty-free license (with the right to sub-license) to use, copy, reproduce, adapt, adopt, modify, publish, transmit, display and disclose (in any way) all and any ideas, content, media, concepts, know-how, techniques, ideas, methodologies, proposals, suggestions, comments and other communications and information provided by You to Us in connection with Your use of the Website and the Services, in accordance with Our Privacy Policy and these Terms and without any additional payment to You.

7.8 Where You terminate Your Account, for any reason, or if we terminate your Account for breach of these Terms
any Intellectual Property stored in Your Account shall become Our sole and unencumbered property and We shall have all rights to that Intellectual Property as if We had created it Ourselves.

7.9 You represent and warrant that You have all the rights, power and authority necessary to submit, post, transmit, or make available, and/or grant the rights granted herein, or otherwise through the Website, to any content that You submit, post, transmit, or make available on the Website.

7.10 We reserve the right to immediately cancel Your Access to the Website if You are caught violating this intellectual property policy.

 

8. WEBSITE CONTENT

8.1 We reserve the right to amend or remove any information, content or other Intellectual Property You upload to the Website, including as regards Your Account, any Flow, Interview or Document.

 

9. PRIVACY POLICY

9.1 The Privacy Policy applies to the use of the Website and its terms form part of and should be read in conjunction with these Terms. A copy of the Privacy Policy can be accessed on the Website. By using the Website You acknowledge and agree to be bound by the terms of the Privacy Policy.

 

10. LIABILITY AND INDEMNITY

10.1 Transactions and all other Interactions between Us, You and other Users are conducted entirely at Your own risk. You agree that We take no responsibility or liability for any misconduct of any of Users including, without limitation, Users that have registered to use Our Services under false pretenses or who attempt to defraud You.

10.2 We give no undertakings, representations, or warranties in relation to the Website, any Flow, Interview, Document, or any other information or content that You or another User submits or uploads onto the Website including:

10.2.1 About ownership of any Intellectual Property;

10.2.2 About the qualification or expertise of any Flow, Interview or Document creator;

10.2.3 As to their content, accuracy, reliability, quality or fitness for purpose;

10.2.4 That they will meet Your requirements or expectations;

10.2.5 That they are available for use in all countries or that the content satisfies the laws of all countries;

10.2.6 That they will be free of defect, error, omission, virus or anything which may change, erase, add to or damage Your software, data or equipment;

10.2.7 That messages sent through the internet including in connection with the Services will be free from interception, corruption, error, delay or loss;

10.2.8 That access to them will be available or be uninterrupted;

10.2.9 That, while we aim to ensure that Your data is secure, You will not experience any data loss or corruption (including as relates to any Flows, Interviews or Documents that you have completed/part-completed);

10.2.10 That use of them will achieve any particular result;

10.2.11 That any defects in them will be corrected; or

10.2.12 About Your ability to complete Services and insurance cover, including paying any Fees.

10.3 The Website, Services, Flows, Interviews and Documents are provided on “as is” and “as available” basis.

10.4 We may perform any review of any content submitted by You and other Users for fitness for purpose or otherwise, including as regards Flows, Interviews, Documents or any other information submitted by You and other Users.

10.5 We may operate a User rating system which You may use to help You make a decision on the quality or appropriateness of a Flow for Your or another person’s use, however, We make no representations as to the validity or accuracy of any ratings made using this or any other system.

10.6 To the maximum extent permitted by law:

10.6.1 You access and use the Website, the Services, any Flow and any Document at Your own risk; and

10.6.2 We and Our related parties have no liability or responsibility to You or any other person for any Loss in connection with:
(a) these Terms;
(b) Your use of the Website, the Services, or any Flow, Interview or any Document;
(c) Your access and use of (or inability to access or use) the Website, any of the Services, or any Flow, Interview or Document;
(d) any error in, or omission from, any information made available through the Website (including in any Flow, Interview or Document);
(e) any exposure to viruses or other forms of interference which may damage Your computer system or expose You to fraud when You access or use the Website. To avoid doubt, You are responsible for ensuring the process by which You access and use the Website protects You from this; and
(f) Your use of any website linked from the Website. Any link on the Website to other websites does not imply any endorsement, approval or recommendation of, or responsibility for, those sites or their contents, operations, products or operators.

10.7 You will exercise and rely solely on Your own skill and judgment in Your use and interpretation of any information or content on the Website and Access (including Your use of any Flow, Interview or Document). It is Your responsibility to ensure that Your use of any information and Access (including Your use of any Flow, Interview or Document) complies with all applicable legal requirements.

10.8 These exclusions apply regardless of whether Our liability or responsibility arises in contract, tort (including negligence), equity, breach of statutory duty, or otherwise.

10.9 Except to the extent permitted by law, nothing in these Terms has the effect of contracting out of the New Zealand Consumer Guarantees Act 1993 or any other consumer protection law that cannot be excluded. To the extent Our liability cannot be excluded but can be limited, Our liability is limited to $100.

10.10 To the maximum extent permitted by law, Our total liability to You under or in connection with these Terms, or in connection with the Website, or Your access and use of (or inability to access or use) the Website, and Access or any Flow, Interview or Document, shall not exceed $100.

10.11 You agree to release, indemnify and keep indemnified, Us from and against all actions, claims, costs (including legal costs and expenses), Losses, proceedings, damages, liabilities, or demands suffered or incurred by Us to any person arising out of or in connection with Your failure to comply with these Terms, Your use of the Website or Access, or arising out of any content or item You submit, post, transmit, or make available through the Website.

10.12 You are responsible for ensuring that Your access to and use of the Website and the Services is not illegal or prohibited, and for Your own compliance with applicable laws in New Zealand and all other relevant jurisdictions;

10.13 The limitation of liability contained in these Terms applies to the fullest extent permitted by applicable laws.

 

11. FINANCIAL ADVISOR-CLIENT RELATIONSHIP

11.1 We are Registered Financial Advisors who are subject to the Financial Advisers Act 2008 and other legislation. Please refer to our Disclosure Statement and Scope of Engagement. After confirming your Flows and Documents, we will provide Services and recommend the best insurance cover(s) for you in a Statement of Advice. Upon your acceptance of the best insurance cover, we will assist you in completing an insurance application and any other matter(s) required by the insurance company to bind your insurance cover.

 

12. WHILE WE WILL CONFIRM THAT YOU HAVE PROVIDED US WITH TRUE, FULL AND ACCURATE INFORMATION IN THE ACCESS AND FLOWS AND DOCUMENTS YOU COMPLETE, WE ARE RELIANT ON YOU TO PROVIDE SUCH TRUE, FULL AND ACCURATE INFORMATION IN ORDER TO PROVIDE THE BEST SERVICES AND INSURANCE COVER TO YOU. THE INFORMATION PROVIDED TO YOU ON THE WEBSITE, FLOWS AND DOCUMENTS DOES NOT TOGETHER OR BY ANY ONE OF THEM CONSTITUTE FULL AND COMPLETE FINANCIAL ADVICE BY US. YOU MUST COMMUNICATE WITH US SUBSEQUENT TO COMPLETING THE FLOWS AND DOCUMENTS IN ORDER TO RECEIVE FINANCIAL ADVICE. YOU INDEMNIFY US FOR ANY LOSS WE, YOU OR ANY OTHER USER MAY SUFFER AS A RESULT OF YOUR FAILURE TO COMPLY WITH THIS PARAGRAPH OR RELEVANT LAWS.

 

13. AVAILABILITY OF OUR WEBSITE

13.1 We aim to make the Website available to You to use 24 hours a day, 7 days a week, but We make no guarantee about the availability of the website.

13.2 Your access to the Website (and therefore the Services, Flows, Interviews and Documents) might be restricted occasionally to allow Us to carry out repairs and maintenance.

13.3 We reserve the right to suspend and withdraw access to some or all of the pages on the Website without notice any time and We accept no responsibility for these pages not being available, or for any interruption to any User’s access to the Website or any Services, Flows, Interviews or Documents.

 

14. GENERAL

14.1 Without prejudice to any other right or remedy available to Us, if We consider that You have breached these Terms or We otherwise consider it appropriate, We may immediately, and without notice, suspend or terminate Your access to the Website (or any part of it, including but not limited to access to the Services, Flows, Interviews, Documents and Your Account).

14.2 If Your Account is suspended or terminated for any reason You must immediately cease using the Website, Access, Flows, Interviews, Documents and Your Account, and must not attempt to gain further access to the Website or Use of the Access, any Flow, Interview, Document  or Your Account.

14.3 If We need to contact You, We may do so by email, phone, letter or by posting a notice on a personalised dashboard on the Website and/or Automio marketplace. You agree that this satisfies all legal requirements in relation to written communications.

14.4 These Terms, and any dispute relating to these Terms or the Website, are governed by and must be interpreted in accordance with the laws of New Zealand. Each party submits to the non-exclusive jurisdiction of the Courts of New Zealand in relation to any dispute connected with these Terms or the Website.

14.5 For Us to waive a right under these Terms, the waiver must be in writing.

14.6 If any part or provision of these Terms is or becomes illegal, unenforceable, or invalid, that part or provision is deemed to be modified to the extent required to remedy the illegality, unenforceability or invalidity. If a modification is not possible, the part or provision must be treated for all purposes as severed from these Terms. The remainder of these Terms will be binding on You.

14.7 These Terms set out everything agreed by the parties relating to Your use of the Website, Your Account, Access, or any Flow, Interview or Document and supersede and cancel anything discussed, exchanged or agreed prior to You agreeing to these Terms. The parties have not relied on any representation, warranty or agreement that is not expressly set out in the Terms, and no such representation, warranty or agreement has any effect from the date You agreed to these Terms.

14.8 Your use of the Website, Access, or any Flow, interview or Document and Your Account are personal to You and are non-transferable. You many not assign, novate, subcontract or transfer any right or obligation under these Terms without Our prior written consent. You remain liable for Your obligations under these Terms despite any approved assignment, subcontracting or transfer. We may assign, novate, subcontract or transfer any right or obligation under these Terms without Your consent.

 

15. SOCIAL MEDIA FEATURES AND WIDGETS

Our Website includes Social Media Features (such as the Facebook Like button) and Widgets, such as the Share this button or interactive mini-programs that run on our Website. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Website. Your interactions with these Features are governed by the privacy policy of the company providing it.

 

16. USE OF SOCIAL MEDIA AND COMMUNICATION SERVICES

16.1 The ClickCover Website may contain links to its social media pages, bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"). You agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

  •     Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.

  •     Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.

  •     Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.

  •     Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.

  •     Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.

  •     Conduct or forward surveys, contests, pyramid schemes or chain letters.

  •     Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.

  •     Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.

  •     Restrict or inhibit any other user from using and enjoying the Communication Services.

  •     Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.

  •     Harvest or otherwise collect information about others, including e-mail addresses, without their consent.

  •     Violate any applicable laws or regulations.

16.2 ClickCover has no obligation to monitor the Communication Services. However, ClickCover reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. ClickCover reserves the right to terminate Your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

16.3 ClickCover reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in ClickCover’s sole discretion.

16.4 Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. ClickCover does not control or endorse the content, messages or information found in any Communication Service and, therefore, ClickCover specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized ClickCover spokespersons, and their views do not necessarily reflect those of ClickCover.

16.5 Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

 

17. LINKS TO THIRD PARTY SITES

The ClickCover Website may contain links to other Web Sites ("Linked Sites"). The Linked Sites are not under the control of ClickCover and we are not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. We are not responsible for webcasting or any other form of transmission received from any Linked Site. We are providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by ClickCover of the website or any association with its operators.

 

18. DISPUTES

If a dispute arises through our Access, Website, Flows, Documents or subsequent Services to you, then we will seek to resolve the matter with you in good faith in the first instance. Please refer to our Disclosure Statement and Scope of Engagement for further information. ClickCover and its Registered Financial Advisors are members of the Insurance and Financial Savings Ombudsman dispute resolution scheme.

 

19. FEEDBACK AND INFORMATION

If  You have any feedback or a complaint, please tell Us. Please contact Us at [email protected]
Any feedback You provide shall be deemed to be non-confidential. We shall be free to use such information on an unrestricted basis.

Privacy Policy

 

1. INTRODUCTION

1.1 At ClickCover we take your privacy seriously. This Privacy Policy sets out how We will collect, use, disclose and protect Your personal information.

1.2 This Privacy Policy does not seek to limit or exclude any of Your rights under any applicable privacy laws. Under the Privacy Act 1993 you have full access to all personal information held by us.

1.3 Unless defined in this Privacy Policy or the context otherwise requires, capitalised terms used in this Privacy Policy have the meaning given to them in the terms and conditions available on the Website from time to time (the “Terms”).

1.4 The rules of interpretation set out in the Terms also apply to this Privacy Policy.

2. CHANGES TO THIS PRIVACY POLICY

2.1 We may change this Privacy Policy by uploading a revised Privacy Policy onto the Website. The change will apply from the date that We upload the revised Privacy Policy.

3. WHO DO WE COLLECT YOUR PERSONAL INFORMATION FROM

3.1 We collect personal information about You from:

3.1.1 You, when You provide that personal information to Us, including via the Website and any related service including Automio marketplace, through any registration or subscription process, through any contact with Us (e.g. telephone call or email), or when You engage our Services and complete insurance cover; and

3.1.2 Third parties where You have authorised this or the information is publicly available.

3.2 If possible, We will collect personal information from You directly.

4. HOW WE USE YOUR PERSONAL INFORMATION

4.1 We may use Your personal information:

4.1.1 To verify Your identity;

4.1.2 To provide Services and products to You;

4.1.3 To market Our Services to You, including contacting You electronically (e.g. by text or email for this purpose);

4.1.4 To improve the Access and Services that We provide to You;

4.1.5 To undertake credit checks of You (if necessary);

4.1.6 To bill You and to collect money that You owe Us, including authorising and processing credit card transactions;

4.1.7 To respond to communications from You;

4.1.8 To conduct research and statistical analysis (on an anonymis basis);

4.1.9 To protect and/or enforce Our legal rights and interests, including defending any claim; and

4.1.10 For any other purpose authorised by You or at law.

 

5. DISCLOSING YOUR PERSONAL INFORMATION

5.1 Generally We will not disclose Your personal information unless You have authorised Us to do so.

5.2 We may disclose Your personal information (and by agreeing to these terms You authorise Us to so disclose Your personal information) to:

5.2.1 Another company within Our group;

5.2.2 Insurance companies and underwriters;

5.2.3 Any business that supports Our services and products, including any person that hosts or maintains any Underlying System or data centre that We use to provide the Website or other Services;

5.2.4 A credit reference agency for the purpose of credit checking You;

5.2.5 Other third parties (for anonymised statistical information);

5.2.6 A person who can require Us to supply Your personal information (e.g. a regulatory authority);

5.2.7 Any other person authorised by any law (e.g. a law enforcement agency);

5.2.8 Any other person authorised by You.

 

6. PROTECTING YOUR PERSONAL INFORMATION

6.1 We will take reasonable steps to keep Your personal information safe from loss, unauthorised activity, or other misuse. While no internet data storage is 100% guaranteed to be secure, our website and Automio marketplace have secured cloud-based hosting to protect your data.

 

7. ACCESSING AND CORRECTING YOUR PERSONAL INFORMATION

7.1 Subject to certain limited grounds for refusal set out in applicable laws, You have the right to access Your readily retrievable personal information that We hold and to request a correction to Your personal information. Before You exercise this right, We will need evidence to confirm that You are the individual to whom the personal information relates.

7.2 In respect of a request for correction, if We think the correction is reasonable and We are reasonably able to change the personal information, We will make the correction. If We do not make the correction, We will take reasonable steps to note on the personal information that You requested the correction.

7.3 If You want to exercise either of the above rights, email Us at [email protected] Your email should provide evidence of who You are and set out the details of Your request (e.g. the personal information, or the correction, that You are requesting).

7.4 We may charge You Our reasonable costs of providing to You copies of Your personal information or correcting that information.

7.5 If you have any concerns about the privacy of your personal information, please email [email protected]

 

8. INTERNET USE

8.1 While We take reasonable steps to maintain secure internet connections, if You provide Us with personal information over the internet, the provision of that information is at Your own risk.

8.2 If You post Your personal information on the Website and/or in any chat room, You acknowledge and agree that the information You post is publicly available.

8.3 If You follow a link on Our Website to another website, including the Automio marketplace, the owner of that website will have its own privacy policy relating to Your personal information. We suggest You review that website’s privacy policy before You provide personal information.

8.4 We may also collect technical information whenever You log on to Your Account, or visit the public version of, Our Website. This may include information about the way users arrive at, browse through and interact with Our Website. We may collect this type of technical information through the use of cookies and other means. Cookies are alphanumeric identifiers that We transfer to Your computer’s hard drive to enable Our systems to recognise Your browser. If You want to disable cookies, You may do so by changing the settings on Your browser. However, if You do so, You may not be able to use all of the functions on the Website. We use the technical information We collect to have a better understanding of the way people use Our Website, to improve the way it works and to personalise it to be more relevant and useful to Your particular needs. We may also use this information to assist in making any advertising We display on the Website more personalised and applicable to Your interests.

 

9. MAILING LISTS

9.1 Individuals join Our mailing lists and are added to Our email database using the forms provided on this Website. We do not sell, rent, loan, trade, or lease the addresses on Our lists to anyone.

9.2 We strive to only send email to those who want to receive it. If You would not like to receive future emails from Us, please advise us in writing.