TERMS OF USE

We us and our means Insurance Australia Limited and its related bodies corporate as defined in the Corporations Act 2001 (Cth).
This website means all webpages located on the www.iagresearch.com.au domain name.
Your access and use of this website constitutes your agreement to the following terms of use.
1. Permitted activities:
You may use this website for:
(a)   temporary browsing for non-commercial, personal interest or exercising a right under the Copyright Act 1968 (Cth);

(b)   performing services for us.

2. Prohibitions
Each of the following are prohibited:
(a)   using high- volume, automated or systematic processes to obtain data or other information from this website,

(b)     compiling, repackaging or disseminating any information or data from this website,

(c)    accumulating data or information from this website whether or not using any automatic or manual process,

(d)     copy or reproduce any information or data from this website other than for an activity permitted by these Terms of Use,

(e)    incorporate into or store any information or data from this website in any other website, electronic retrieval system, database, publication or other work in any form, other than for an activity permitted by these Terms of Use,

(f)     combining or processing any data or information from this website with other data or information other than for an activity permitted by these Terms of Use,

(g)     creating a link to this website from another website without our written permission. If you wish to create a link please contact us,

(h)    using this website other than for an activity permitted by these Terms of Use,

(i)     any use of this website for an unlawful purpose or activity. 
 
3.   Linked websites  
(a)     This website may contain links to third party websites.
(b)   We do not make any representation as to the content of the third party websites and our provision of a link is not an endorsement by us of the third party website.
(c)     Your use of a third party website may be subject to terms and conditions applicable to that website.

4.   Other important terms
(a)    We may terminate your access to this website at any time without notice.
(b)   The laws of New South Wales are intended to apply.
(c)   The information or data on this website belongs to Insurance Australia Limited, members of the Insurance Australia Group and their licensors. The information or data on this website or any linked website may not be accurate or up to date. We do not warrant the information or data for any purpose or represent that it is suitable for any purpose and you should exercise your own skill and judgment and make your own independent inquiries before using the information or data from this website or any linked website.
(d)    To the maximum extent permitted by law we exclude all liability (including for negligence) to any person arising directly or indirectly from accessing, using or being unable to access or use the information or data provided by this website.
(e)    Consumer protection legislation implies terms into contracts for the supply of certain goods and services (Implied Terms) but permits a supplier to limit its liability in respect of those terms in certain circumstances. Insurance Australia's liability for breach of any Implied Terms applying to this website access and use is limited to the extent permitted by law at our option to (1) the supplying of the services again; or (2) the payment if the cost of having the services supplied again.