Terms of use

About this website

This is a website operated by Peninsula Mutual Limited (Peninsula Mutual Limited ACN 630 256 478) (“Peninsula”) under the domain name “www.peninsulamutual.com.au” (“Peninsula Mutual website”). The Peninsula Mutual website is operated on behalf of Peninsula Mutual and its related bodies corporate (together called “Peninsula Mutual Group”).

Your use of the information, graphics and materials on the Peninsula Mutual website (“Material on this website”) is governed by these terms of use and the privacy and security statement. In addition to the terms contained in this document, there are also specific terms which form part of the terms of use and govern your use of, and access to, certain sections of the Peninsula Mutual website. Since you are also bound by these additional terms, you should review them wherever they are accessible by you on the Peninsula Mutual website.

Your dealings with Peninsula Mutual and the use of this website are also governed by Peninsula Mutual Privacy Policy.

Links to other websites

The Peninsula Mutual website may contain links to other websites operated by third parties (“Third Party websites”). Peninsula Mutual does not endorse, or approve of the operators of Third Party websites, or the information, graphics and material on those Third Party websites (“Third Party Material”).

Subject to any applicable law which cannot be excluded, Peninsula Mutual makes no warranties or representations in relation to:

the quality, accuracy, merchantability or fitness for purpose of Third Party Material or products or services available through Third Party websites; or
Third Party Material infringing the intellectual property rights of any person. Peninsula Mutual is not authorising the reproduction of Third Party Material by linking Material on this website to Third Party Material.

When you follow a link on the Peninsula Mutual website, material at a Third Party website may be displayed in your browser framed by Material on this website. This material is also Third Party Material for the purpose of these terms of use.

All offers to sell and statements relating to goods and services available on Third Party websites are the responsibility of and given by the Third Party website operator. In so far as such offers and statements are made on the Peninsula Mutual website, such offers and statements are made by the Peninsula Mutual Group on behalf of the operator. The Peninsula Mutual Group expressly disclaims acting in any other respect on behalf of Third Party website operators.

Peninsula Mutual may receive payments from operators of Third Party websites in relation to goods or services supplied by the operator as a result of you linking to the Third Party website from the Peninsula Mutual website.

Peninsula Mutual product information and supply

Material on this website may contain general information about Peninsula Mutual Group products and services. Unless expressly stated otherwise, this information:

does not constitute an offer or inducement to enter into a legally binding contract; and
does not form part of the terms and conditions for Peninsula Mutual Group products and services.

For further information about a particular product or service please complete the e-form on the product or service page. Material on this website does not apply to products obtained through Peninsula Mutual Direct.

All applications for credit are subject to the Peninsula Mutual Group’s normal credit approval criteria.

Unless expressly agreed otherwise:

products and services discussed in the section of the Peninsula Mutual website which refers to the Australian operations of any Peninsula Mutual member (the “What We Offer section”) will be provided only to Australian residents. These products and services are generally not available to non-Australian residents because they may not comply with non-Australian laws.

Warrenties

While we have made every effort to ensure that information is free from error, Peninsula Mutual does not warrant the accuracy, adequacy or completeness of Material on this website. All information is subject to change without notice. Peninsula Mutual recommends that you seek independent advice before acting upon Material on this website or Third Party Material. Peninsula Mutual does not guarantee that the Peninsula Mutual website or Third Party websites will be free from viruses, or that access to the Peninsula Mutual website or Third Party websites will be uninterrupted.

Limitation of liability

Subject to any responsibilities implied by law and which cannot be excluded, no member of Peninsula Mutual is liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever arising out of or referable to Material on the Peninsula Mutual website or to Third Party Material, whether in contract, tort including negligence, statute or otherwise.

Liability of any member of Peninsula Mutual for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at Peninsula’s option to:

the supply of the goods or services again;
the repair of the goods; or
the payment of the cost of having the goods or services supplied again or repaired.

Termination

These terms of use (and the agreement constituted by your use of the information, graphics and materials on the Peninsula Mutual website) and your access to the Peninsula Mutual website may be terminated at any time by Peninsula Mutual without notice. All restrictions, licences granted by you and all disclaimers and limitations of liability by Peninsula Mutual will survive termination, however, you will no longer be authorised to access the Peninsula Mutual website.

Copyright and trademark

Except where necessary for viewing the Material on this website on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these terms of use, no material on this website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of Peninsula.

“Peninsula”, and all associated trademarks, are trademarks of Peninsula Mutual Limited.

Linking to Peninsula Mutual website

Please contact Peninsula Mutual at [email protected] if you would like to place a link to any part of the Peninsula Mutual website.

Acceptance and changes to terms of use

You acknowledge and accept that your use of the Peninsula Mutual website indicates your acceptance of these terms of use and the privacy and security statement.

These are the current terms of use. They replace any other terms of use for the Peninsula Mutual website published on the Peninsula Mutual website to date. Peninsula Mutual may at any time vary the terms of use by publishing the varied terms of use on the Peninsula Mutual website. You accept that by doing this, Peninsula Mutual has provided you with sufficient notice of the variation.

Peninsula Mutual reserves any rights not expressly granted in these terms of use.

Jurisdiction

Unless expressly agreed otherwise:

the Peninsula Mutual website is provided for use only by Australian residents. The law applicable to use of the Peninsula Mutual website and to disputes arising out of the Peninsula Mutual website is the law of the State of New South Wales, Australia. In the event that any Peninsula Mutual website terms are deemed to be unenforceable under the law of the State of New South Wales, Australia, this will not affect the remainder of these website terms.