Terms & Conditions of Use

Welcome to the Horsell International (HORSELL) website ("Website"), owned and operated by insurance broker Horsell International Pty Ltd (ABN 65 003 922 487).

By using or visiting this Website, you expressly agree to be bound by and comply with these Terms & Conditions and all applicable laws and regulations. In addition to these Terms & Conditions, other terms of use or conditions may apply to your use of this Website, parts thereof, or to products and services offered via this Website. You will be bound by these additional terms, as applicable.

HORSELL reserves the right to change these Terms & Conditions at any time, effective immediately upon posting on this Website. Please check this page of the Website periodically. Your continued use of the Website following any changes to these Terms & Conditions will be deemed acceptance of those changes.

HORSELL reserves the right to take appropriate legal action against you, if you breach these Terms & Conditions. This agreement is construed according to and is governed by the laws on New South Wales, Australia.
 

Use of this website

HORSELL authorises you to print, copy, re-produce and download materials on the Site, subject to the material not being modified in any manner.

Where you download material (including software) from this website, the material, including any files, and/or images incorporated in or generated by the software, and data accompanying the software will be licensed to you by HORSELL. You are expressly prohibited from selling, distributing, compiling, modifying, reverse engineering or otherwise dealing with the downloaded material in such a manner.

Printing, copying, downloading, reproduction or distribution of material from the website for commercial use of any kind is expressly prohibited without HORSELL's prior written consent.
 

Accuracy of information on the website

This Website has been prepared from information believed to be accurate and reliable at the time it was sourced. HORSELL will use reasonable efforts to update the website on a regular basis; however HORSELL makes no representation and gives no warranty as to the accuracy, currency or completeness of any information at the website. You agree that your use of the information and/or services are entirely at your own risk.
 

Links to third party sites

Links from the HORSELL web site to pages on any other web site are provided for your convenience only and do not constitute a recommendation or endorsement by HORSELL of the content of those pages. Use of these links and web sites is at your own risk. HORSELL is not responsible for any information or material found on those linked pages, or any web sites of which they form a part. Each other website may have its own set of terms and conditions or policies for access.
 

Completing transactions over the HORSELL site

When entering into a transaction via the Website the transaction will not be completed until confirmation of your payment has been received and processed by HORSELL and these Terms & Conditions are complied with.

Purchasing an Insurance Policy

Where this Website enables you to purchase insurance products or services online:

1. Please read the Financial Services Guide and the Product Disclosure Statement before purchasing the insurance product or service;
2. HORSELL may act on and process all completed electronic instructions transmitted or issued through this Website without further consent from or reference to You;
3. HORSELL may treat an electronic instruction as authentic and is under no obligation to investigate the authenticity or authority of persons issuing or transmitting such electronic instructions, or to verify the accuracy and completeness of such electronic instructions.
4. In the event you wish to purchase the insurance as quoted to you via the Website, upon the completion by you of all required details, your acceptance of the quote will create a binding contract of insurance accompanied by a corresponding policy number.
5. HORSELL may issue paper confirmation of the insurance policy, however the existence of a binding contract is not conditional on HORSELL issuing, or you receiving, such confirmation of the transaction.
6. At all times you are responsible for ensuring you receive a policy number. In the event one is not received, you should contact HORSELL.

Disclaimers, Limitation of Liability and Indemnities

Every effort has been made to ensure that information on this Website is free from error. HORSELL does not warrant the accuracy, adequacy or completeness of material on this Website. All information is subject to change without notice. HORSELL does not guarantee that this Website or Linked Sites will be free from any virus, or that access to this Website or any Linked Sites will be uninterrupted.

You are responsible for ensuring you have alternative contingency arrangements in place to enable you to conduct insurance or other transactions by other means should this Website be unavailable at any time and for any reason. HORSELL may at any time withdraw the HORSELL Website and without notice to you.

Subject to any responsibilities implied by law and which cannot be excluded, HORSELL, and its directors, employees, agents and contractors, are not liable to you for any loss, damage, liability, claim and expense (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to material on this Website, to Linked Sites, Third Party material, third party services, or to access of the HORSELL Website by you, howsoever caused, whether in contract, tort, including negligence, statute or otherwise.

At all times you shall indemnify HORSELL in respect of any liability incurred by HORSELL for any loss or damage, however caused, suffered by HORSELL as a result of your breach of any of the HORSELL Website Terms & Conditions, or your use of the HORSELL Website.
 

General Advice

Any advice on this Website is general. Please read the relevant Product Disclosure Statement to decide whether it suits your needs.
 

Copyright

Copyright in the material on this Website is at all times owned or licensed by HORSELL.

Except where necessary for and incidental to viewing the material on this website, or as permitted under the Copyright Act 1968 (Cth), or other relevant laws, no material on this Website may be reproduced, stored in an electronic or other retrieval system, adapted, uploaded to a third party location, framed, performed in public or transmitted in any form whatsoever by any method whatsoever without the prior written consent of HORSELL.