Terms of Use

1. Acceptance of Terms

By accessing and using the Travel Insure Hub website (“the Site”), you accept and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use this Site.

Travel Insure Hub (“we”, “us”, or “our”) reserves the right to modify these terms at any time. Continued use of the Site after changes are posted constitutes your acceptance of the revised terms.

2. Nature of the Service

Travel Insure Hub is a travel insurance comparison and information website designed to help Australian travellers understand and compare travel insurance options. We are not a licensed insurance broker, financial adviser, or authorised representative under the Corporations Act 2001 (Cth) or the Financial Services Reform Act 2001.

All information provided on this Site is:

• General in nature only: it does not take into account your personal objectives, financial situation, health status, or specific travel needs.
• Not financial product advice: nothing on this Site constitutes a recommendation that any particular insurance product is suitable for you.
• For informational purposes only: you should read the Product Disclosure Statement (PDS) before making any insurance purchasing decision.

3. Permitted Use

You may use this Site for your own personal, non-commercial purposes. You agree not to:

• Reproduce, distribute, or republish any content from this Site without our prior written consent.
• Use any data scraping, robots, spiders, or automated tools to extract data from the Site.
• Attempt to gain unauthorised access to any part of the Site or its related systems.
• Use the Site in any way that is unlawful, fraudulent, or harmful to others.
• Post or transmit any material that is defamatory, offensive, or otherwise objectionable.
• Impersonate any person or entity or misrepresent your affiliation with any person or entity.

4. Accuracy of Information

We make reasonable efforts to ensure that the information on this Site is accurate and up to date. However, insurance products, premiums, coverage terms, and exclusions change frequently. We cannot guarantee that all information on the Site reflects the most current product terms from each insurer.

Before purchasing any insurance policy, you must verify current policy terms, pricing, and eligibility requirements directly with the insurer or by reading the current PDS available on the insurer’s website.

5. Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, icons, images, and software, is the property of Travel Insure Hub or its content suppliers and is protected by Australian and international copyright laws.

You may view and print pages from the Site for your personal, non-commercial use only. No content may be reproduced, modified, transmitted, or used commercially without our express written permission.

6. Third-Party Links and Affiliate Relationships

This Site contains links to third-party websites, including insurance provider websites. These links are provided for your convenience and do not constitute an endorsement of those websites or their content.

Travel Insure Hub participates in affiliate marketing programs. When you click certain links and purchase a policy, we may receive a commission from the insurer at no extra cost to you. Please read our Affiliate Disclosure for full details.

We are not responsible for the content, privacy practices, or accuracy of any third-party websites. You access those sites at your own risk and subject to their own terms and conditions.

7. Disclaimer of Warranties

To the maximum extent permitted by law, this Site and its content are provided “as is” and “as available” without any warranties of any kind, either express or implied. We do not warrant that:

• The Site will be available at all times or free from errors or interruptions.
• The information on the Site is complete, accurate, or current.
• The Site or its servers are free from viruses or other harmful components.

8. Limitation of Liability

To the maximum extent permitted by the Australian Consumer Law and other applicable laws, we exclude all liability for any direct, indirect, incidental, special, or consequential loss or damage arising from your use of the Site or reliance on any information contained on it.

Nothing in these Terms of Use excludes, restricts, or modifies any right or remedy, or any guarantee, warranty, or other term or condition implied or imposed by law that cannot lawfully be excluded or limited, including consumer guarantees under the Australian Consumer Law.

9. Privacy

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. By using this Site, you consent to the collection, use, and disclosure of your personal information as described in our Privacy Policy.

10. Governing Law

These Terms of Use are governed by the laws of Australia. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Australia.

11. Termination

We reserve the right to terminate or suspend access to the Site at our sole discretion, without notice, for conduct that we believe violates these Terms of Use or is harmful to other users, us, third parties, or for any other reason.

12. Contact Us

If you have any questions about these Terms of Use, please contact us.