The information contained within this site is current as at 4 October 2012. The information is only intended to be of a general nature and should not be relied upon by any part without obtaining full details of the products and services sort by contacting Pender Insurance Holdings Pty Ltd on (02) 8203 4540 or by email email@example.com All product and service details, terms, conditions and other information are subject to change at any time without notice. Terms, conditions and fees apply to the various products and services and are available on request.
Terms and conditions of Pender Insurance Holdings Pty Ltd Web Site
Please read these terms and conditions of use carefully before using or obtaining any materials, information, products or services through this site. Pender Insurance Holdings Pty Ltd (“we” or “us”) offers access to and use of our site to you subject to your acceptance of these terms and conditions (“Terms”). By accessing, using or obtaining any content, data, materials, information, products or services through our site, you agree to observe these Terms. If you do not accept all of these Terms, then please leave our site now.
We, along with our product and information providers (“Providers”), own and have copyrights on all of our site and all of its contents. You will not copy, reproduce, republish, upload, post, transmit, distribute, sell, transfer or modify any of the content, date, information or material found on our site, but you may download, display and print one copy of the material presented on our site on a single computer for your personal, non-commercial use. Trademarks, logos and service marks displayed on our site (“Marks”) are ours, and our providers, registered and common law Marks. Your use of and access to our site does not grant you any licence or right to use any of the Marks. You will not use any automatic device, or manual process to monitor materials available through our site.
USE OF SITE
You may only use our site if you have capacity to enter into binding contracts (our site is not available for use by minors). You are responsible for maintaining the secrecy of your passwords, logins and account information. You will be financially accountable for all uses of our site by you and anyone using your account information. You may not use our site to make any false, fraudulent or speculative reservations in anticipation of demand to post or transmit any unlawful, threatening, libellous, defamatory, obscene, indecent, 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 or for any other purpose that is unlawful or prohibited by these Terms. We may, at any time and without advance notice or liability, terminate or restrict your access to all or any component of our site. We will use our reasonable commercial efforts to keep our site available on a 24 hour / 7 days a week basis, subject to necessary scheduled downtime for maintenance, unscheduled maintenance and system outages. Your access to our site may not be uninterrupted or available at all times. We cannot promise that our site will be error-free, that defects or errors will be corrected or that our site or the servers that make it available are free from viruses or other harmful components. You will not use any device, software or routine that interferes or attempt to interfere with the normal operation of our site or take any action that imposes an unreasonable load on our site equipment.
Your use of our site is subject to our Privacy Statement. You acknowledge that you have read the privacy statement and it is reasonable and acceptable to you. Your acceptance of these Terms is also your consent to the information practices in our privacy statement.
Our site may contain links to other sites that we do not operate or control. We are not responsible for these other sites. We provide these links for your reference and convenience. We do not endorse the content of these other sites. These links are not an indication of our association with the owners or operators of these other sites. You are free to access these other sites, but you do so at your own risk. You agree not to create a link from any Web site, including any site controlled by you, to our site.
We make no, and our providers make, no warranty of any kind regarding our site and/or content, data, materials, information, products or services provided on our site, all of which are provided on an “as is” basis. We expressly disclaim any representation or warranty that our site will be error-free, secure or uninterrupted. We further disclaim any warranty as to the accuracy, completeness and timeliness of any content or information found on our site. We expressly disclaim and our providers expressly disclaim all warranties and conditions, including implied warranties and conditions of merchantability, title, non-infringement, and where permissible those arising by statute or otherwise in law or from a course of dealing or usage of trade.
LIMIT OF LIABILITY
We will not be, and our providers will not be, responsible or liable for any damages to or viruses that may infect your computer equipment or other property as the result of your access to, use of or browsing in our site or your downloading of any content information, materials, data, text, images, video or audio from our site or any injury, loss, claim, damage or any special exemplary, punitive, indirect, incidental or consequential damages of any kind whether bases in contract, tort, strike liability or otherwise, that arises out of or is in any way connected with any use of our site, content, data, materials or information found therein, any failure of delay or the performance or non-performance by us or our provider, even if we have been or a provider has been advised of the possibility of damages to such parties or any other party. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorised access to, alteration of, or use of record, whether for breach of contract, tortuous behaviour, negligence, or under any other cause of action.
You will defend and indemnify us and any provider and each of our officers, directors, employees, contractors and agents from and against any claim, cause of action or demand, including without limitation reasonable legal and accounting fees, brought by you or on your behalf or by third party as a result of your breach of these Terms or the documents made part of these Terms by reference, your violation of any law or the rights of a third party or your use of our site.
Any text, photo, graphic, audio and/or video material shall not be published broadcast, rewritten for broadcast or publication or redistribution directly or indirectly in any medium. Pender Insurance Holdings Pty Ltd materials nor any portion thereof may be stored in a computer except for personal and non-commercial use. Pender Insurance Holdings Pty Ltd will not be held liable in any way to the user or to any third party or to any other person who may receive information in the distribution or to any other person whatsoever, for any delays, inaccuracies, errors or omissions there from or in the transmission or delivery of all or any part thereof or for any damages arising from any of the foregoing or occasioned thereby.
The heading in these Terms are for your convenience and reference. These heading do not limit the affect of these Terms. Your acceptance of these Terms and use of our site do not create a joint venture, partnership, employment or agency relationship with us. You may not assign, delegate or transfer your rights or obligations under these Terms. We may modify these Terms, at any time, by posting conspicuous notice of any modification. Your continued use of our site will be subject to the Terms in effect at the time of any modification and will be your acceptance of the modified Terms. These Terms, together with those items made a part of these Terms by reference, make up the entire agreement between us relating to your use of our site, and replaces any prior understanding or agreements regarding your use of our site.