Terms and Conditions

Welcome

Please browse this site and make use of its various features, but please be aware that your use of this site is subject to the following terms and conditions. If you do not agree to these terms and conditions, please do not use this site.

Ownership

this site belongs to the insurance fraud hotline. The insurance fraud hotline may, in its sole discretion and at any time, modify or discontinue this site or specific proportions thereof.

Agreement

the use of the site, constitutes your acceptance to the terms and conditions contained herein. We reserve the right to change or revise these terms and conditions from time to time by updating this posting, so please visit this area each time you visit this site to keep up to date with the current terms regarding your use of this site. Your use of this site reaffirms your continuing agreement to the then current terms and conditions.

Use of the site

the insurance fraud hotline owns the copyright for all of the material on this site or has a valid right from a third party to use material on this site. The insurance fraud hotline also owns or has a valid right to use all trademarks, service marks, and trade names used on this site. No part of this site may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, except that you may download one copy of the materials on any single computer for its contracted use, provided you keep intact all copyright, trademark and other proprietary notices on the materials. Any modification of the materials or use of the materials for any other purpose is a violation of the insurance fraud hotline’s copyright and other proprietary rights. The use of any such material on any other web site or computer network without the insurance fraud hotline’s written consent is strictly prohibited. Your use of the trademarks, service marks and trade names on this site in any manner other than as authorised in these terms and conditions, or as authorised in writing by the insurance fraud hotline, is strictly prohibited.

Software downloads

if you download software from this site, the software and all files, images and data relating to the software will be licensed to you by the insurance fraud hotline. You do not own the downloaded software, and the insurance fraud hotline does not transfer ownership of the software to you. The insurance fraud hotline retains full ownership of and title to the downloaded software and all intellectual property rights related to the software. You may not redistribute, sell, decompile, reverse engineer, disassemble, or otherwise reduce the software to a human-perceivable form. Software that is downloaded from this site is subject to the laws of new south wales, australia. If you download software from this site, you represent and warrant to the insurance fraud hotline that you are not acting in violation of those laws.

Submissions & information requests

all comments, suggestions, graphics, ideas (including product and advertising ideas), and other information or materials you submit to the insurance fraud hotline through this site will become and remain the exclusive property of the insurance fraud hotline, including any future rights associated with such submissions, even if these terms and conditions are later modified or terminated. This means that you disclaim any proprietary rights in such submissions, and you acknowledge the insurance fraud hotline's unrestricted right to use them (or materials or ideas similar to them) in any medium, now and in the future, without notice, compensation or other obligation to you or any other person. It also means the insurance fraud hotline has no obligation to keep your submissions confidential.

Site location

the insurance fraud hotline controls and operates this site from sydney, australia. Unless otherwise specified on or by this site, this site is intended to promote only those the insurance fraud hotline products and services that are sold by the insurance fraud hotline in australia, and the insurance fraud hotline makes no representation that materials in this site or the products described thereby are appropriate or available for use in other locations. All visitors to this site are responsible for compliance with all local laws applicable to them with respect to the content and operation of this site.

Referred hyperlinks

for your convenience and enjoyment, this site may provide links to other web sites on the world wide web that are not operated by the insurance fraud hotline. These links do not mean that the insurance fraud hotline endorses, approves or sponsors any information available at the linked site or any products that may be sold there, nor is the insurance fraud hotline liable for any damage that might result from your use of such information or products.

Web site content disclaimer

the materials in this site (including any graphics, software, recommendations or other materials) and any materials made available through this site are provided "as is" and without warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, the insurance fraud hotline disclaims all warranties, express or implied, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. The insurance fraud hotline does not warrant or make any representations regarding the use or the results of the use of the materials in this site in terms of their correctness, accuracy, reliability, or otherwise. The materials in this site could include technical inaccuracies or typographical errors. These materials could be inaccurate or become inaccurate as a result of developments occurring after their respective dates. The insurance fraud hotline undertakes no obligation to verify or maintain the currency of such information.

Certain links in this site may link you to other web sites on the world wide web. The linked sites may not be under the control of the insurance fraud hotline and the insurance fraud hotline is in any event not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such web sites. The insurance fraud hotline is not responsible for webcasting or any other form of transmission received from any linked web site. The insurance fraud hotline is providing these links to you only as a convenience, and the inclusion of any link does not imply a referral by the insurance fraud hotline to, or an endorsement by the insurance fraud hotline of, the linked site or any products or services which may be offered there.

Web site operation disclaimer

the insurance fraud hotline endeavours to maintain this site and its operation, but is not, and cannot be, responsible for the results of any defects that may exist in this site or its operation. As to the operation of this site, the insurance fraud hotline expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to all implied warranties of merchantability or fitness for a particular purpose, title and non-infringement. The insurance fraud hotline makes no warranty that;

(i) the operation of this site will meet the user's requirements;
(ii) access to this site will be uninterrupted, timely, secure, free of viruses, worms, trojan horses or other harmful components, or free of defects or errors;
(iii) the results that may be obtained from the use of this site will be accurate or reliable; or
(iv) defects will be corrected.

You (and not the insurance fraud hotline) assume the entire cost of all servicing, repair, or correction that may be necessary for your computer equipment and software as a result of any viruses, errors or any other problems whatsoever you may have as a result of visiting this site.

Limitation of liability

under no circumstances shall the insurance fraud hotline be liable for any damages or injury, including any direct, special, incidental, consequential, punitive or other damages, that may result from the use of, or the inability to use, this site or any materials in this site, whether in an action of contract, negligence or other tortuous action, arising out of or in connection with the use or performance of this site or information available in this site. The insurance fraud hotline shall not be liable even if the insurance fraud hotline or an the insurance fraud hotline authorised representative has been advised of the possibility of such damages. These include but are not limited to damages or injury caused by error, omission, interruption, defect, failure of performance, delay in operation or transmission, line failure or computer virus, worm, trojan horse or other harmful component.

Further limitation to paragraphs 9, 10, & 11 (above three paragraphs)

applicable law may not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations or exclusions may not apply to you. However, in no event shall the insurance fraud hotline’s total liability to you for damages, losses, and causes of action whether in contract, tort (including, but not limited to, negligence, or otherwise) exceed the amount paid by you, if any, for accessing this site.

Reporting & postings

the insurance fraud hotline may from time to time monitor or review discussions, chats, postings, and other transmissions on this site. However, the insurance fraud hotline is under no obligation to do so and assumes no responsibility or liability arising from the content of any such transmissions or for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, illegality or inaccuracy contained in any information transmitted to any such locations on this site. You may not post or transmit any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offence, give rise to civil liability, or otherwise violate any law. The insurance fraud hotline will fully cooperate with any law enforcement authorities or court order requesting or directing the insurance fraud hotline to disclose the identity of anyone posting any such information or materials. The insurance fraud hotline may also disclose such information if it has a good faith belief that such disclosure is reasonably necessary to protect the rights, property, or personal safety of the insurance fraud hotline, its customers or the public.

Help availability

this site may provide a help file or other instructions for the use of this site. However, you understand that the insurance fraud hotline is under no obligation to provide any direct or indirect support for the use of this site. Should a member request specialist information, they may email the insurance fraud hotline at info@fraudhotline.com.au

Law & jurisdiction

these terms and conditions and any disputes arising under or related to these terms and conditions (whether for breach of contract, tortuous conduct or otherwise) will be governed by the laws of new south wales, australia without reference to its conflicts of law principles. Any legal actions, suits or proceedings arising out of these terms and conditions (whether for breach of contract, tortuous conduct or otherwise) will be brought exclusively in the courts of new south wales, australia, and you hereby accept and submit to the personal jurisdiction of these courts with respect to any legal actions, claims or proceedings arising out of these terms and conditions.

Severability of terms

if any provision of these terms and conditions shall be found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and conditions and shall not affect the validity and enforceability of any remaining provisions. The paragraph titles in these terms and conditions are for convenience only and have no legal or contractual effect.

No waiver

no failure on the part of the insurance fraud hotline to enforce any part of these terms and conditions shall constitute a waiver of any of the insurance fraud hotline’s rights under these terms and conditions whether for past or future actions on the part of any person. Neither the receipt of any funds by the insurance fraud hotline nor the reliance of any person on the insurance fraud hotline’s actions shall be deemed to constitute a waiver of any part of these terms and conditions. Only a specific, written waiver signed by an authorized representative of the insurance fraud hotline shall have any legal effect whatsoever.