InsureMyRide Online Terms of Use & Privacy Statement

InsureMyRide is a member of the Suncorp Group. Click here to read the Suncorp Group Privacy Policy

Click here to read InsureMyRide’s privacy statement

In short referred to as InsureMyRide’s "Online Terms”. These Online Terms are dated 30 January 2012.  
Read these Online Terms to understand how InsureMyRide:

• operates and regulates its online sites including its social media sites;
• operates any online insurance quoting, purchase and policy management transactions; and
• handles your personal information when you interact with us online (see terms 24 to 33).

1. About InsureMyRide’s online sites

1.1    Australian Alliance Insurance Company Limited ABN 11 006 471 709 (AAI) AFS Licence No. 235011, Level 18, 36 Wickham Terrace, Brisbane Qld 4000, is the issuer of Motorcycle Insurance policies and InsureMyRide Pty Ltd ABN 75 121 676 293 (“InsureMyRide”, “we” or “us”) is an authorised representative and wholly owned subsidiary of AAI.

1.2    GIO General Limited ABN 22 002 861 583 (GIO) AFS Licence No. 229873, Level 18, 36 Wickham Terrace, Brisbane Qld 4000, is the issuer of Compulsory Third Party Personal Injury (CTP) Insurance policies in NSW and InsureMyRide acts as agent and authorised representative of GIO for this product.

1.3    InsureMyRide, AAI and GIO are members of the Suncorp Group of Companies.

1.4    InsureMyRide online sites (“Online Site” or “Online Sites”), include our:

1.4.1     main website (www.insuremyride.com.au) (“Main Site”);
1.4.2     mobile device site (m.insuremyride.com.au) (“Mobile Site”); and
1.4.3     social media site(s) (“Social Media Site” or “Social Media Sites”) as operated from time to time.
Please be aware that certain parts of our Main Site and/or Mobile Site may additionally function as a Social Media Site. By this we mean that the information and content you submit to a social media section of our Main Site and/or Mobile Site will be freely visible to other website users. Any social media sections of our Main Site and/or Mobile Site will be either clear to you from their design, or we will otherwise inform you of their public nature. Any information or content you supply to our Social Media Site(s) will be treated by InsureMyRide in accordance with terms 9 and 27, and otherwise in accordance with these Online Terms (as relevant).   

1.5    InsureMyRide may operate an Online Site for its own benefit and/or for the benefit of one or more of its related bodies corporate, which collectively form the Suncorp Group of companies in Australia and New Zealand (“Suncorp Group”).

1.6    Our Online Site may include product advertising, services, information, text, graphics, materials, social media forums, applications, functions and promotions, unless disclaimed otherwise or where not permitted by law or by an online host site’s rules (“Site Content”). Your use of any of our Online Sites, including any Site Content, is governed by these Online Terms, together with the Suncorp Group’s overarching Privacy Policy (Privacy Policy available at suncorp.com.au/corporate/legal/privacy-policy). See terms 24 to 33 below for how InsureMyRide handles any personal information it collects as a result of your interaction with our Online Sites.

1.7    In addition to these Online Terms, other terms of use or conditions may apply to your use of any of our Online Sites (or parts thereof) or to any products or services offered via our Online Sites. If such additional terms of use or conditions apply, we will bring them to your attention (as required by law) and you will be bound by them. For example, should you decide to participate in a promotion that is advertised or otherwise featured on one or more of our Online Sites, you will be additionally bound by the relevant terms and conditions for entry into that promotion. Should any term within these Online Terms conflict with a promotion’s terms and conditions, the latter will prevail to the extent of the conflict. Similarly, certain products available through the Online Site may have its own terms and conditions, such as InsureMyRide NSW CTP Green Slip Insurance.  Should any term within these Online Terms conflict with the specific product terms and conditions (including the jurisdiction term), the specific product terms and conditions will prevail to the extent of the conflict.

1.8    InsureMyRide owns and operates the Online Sites. These sites include all web pages under or forming part of the domain name InsureMyRide.com.au and m. InsureMyRide.com.au. Our Mobile Site is designed for use by portable electronic devices such as smart phones or tablet computers. InsureMyRide disclaims that our Mobile Site may not operate (or may not operate fully) on some types of portable electronic devices. If you experience difficulty in accessing or using our Mobile Site, you should access our Main Site (www.InsureMyRide.com.au) using a modern web browser on a personal computer with a screen diameter of 10 inches or greater.
 

2.    Links to other websites

2.1    An Online Site may contain applications or links to other websites (including other social media websites and some linked competition websites such as ‘Rider of the Month’ photo competition) which are owned or operated by third parties independent of InsureMyRide (“Third Party Sites”). InsureMyRide does not sponsor, endorse or approve of the operators of Third Party Sites, or material (including services, information, graphics, or data) which is located on such Third Party Sites (“Third Party Material”). If any term within these Online Terms should conflict with any third party’s terms of use, the latter will prevail to the extent of the conflict insofar as your use or access to that third party site is concerned.

2.2    An Online Site may contain or link to information about special offers, deals or promotions by persons not related to or part of InsureMyRide (“Third Party Offers”). InsureMyRide does not sponsor, endorse or approve of any Third Party Offers or Third Party Material associated with these offers.

2.3    Subject to any applicable law which cannot be excluded, InsureMyRide makes no warranties or representations:

2.3.1    regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material, or products or services available through Third Party Sites; or
2.3.2    that Third Party Material does not infringe the intellectual property rights of any person.

2.4    InsureMyRide is not authorising the reproduction of Third Party Material by linking Site Content to Third Party Material.

2.5    When following a link on an Online Site, material at a Third Party Site may be displayed in your browser framed by Site Content. This material is also Third Party Material for the purpose of these Online Terms.

 

3.    Your privacy

3.1    Your privacy and security is important to InsureMyRide. Read terms 24 to 32 for information (the 'Privacy Statement' component) about how InsureMyRide handles the information you provide it when you use one of our Online Sites.

4.    InsureMyRide’s Online Site: product information and insurance purchase and renewal

4.1    Online Site content
The InsureMyRide Online Site contains both information of a general nature about InsureMyRide and InsureMyRide’s products and services, and also enables you to purchase and pay for some insurance products and services online.

The InsureMyRide Online Site may, where InsureMyRide provides the  functionality online, enable you to renew some insurance products and services online and to view, manage and change your InsureMyRide policies online using InsureMyRide’s ‘self service’ function available at the ’My Insurance’ part of the Online Site (the “My Insurance Site”) subject to these Online Terms, including the specific terms of use for that service set out in term 6.

4.2    Completing transactions on the Online Sites

4.2.1    When entering into a transaction via the Online Site, whether it be for the issuance of an insurance contract, a renewal payment, or a transaction relating to any other product or service, the transaction will not be completed until an “Electronic Instruction” (being any electronic instruction, information, message, request or communication issued or transmitted to InsureMyRide via the Online Site) containing the acceptance from you of InsureMyRide’s offer, or the confirmation of payment (being payment received from you), whichever is applicable, has been received and processed by InsureMyRide, and any specific steps or requirements as set out in this term 4, have been complied with.

4.2.2    You acknowledge that on occasion, the transmission of your acceptance or the confirmation of any payment, made through an Electronic Instruction, may be delayed or not received at all by InsureMyRide in accordance with this term 4 for reasons beyond either parties’ reasonable control including, but not limited to, mechanical, software, computer, telecommunications, or electronic failure, or the omission or failure of third party service providers or systems.

4.2.3    You further acknowledge that, to the extent permitted by law, neither InsureMyRide nor the issuer of the insurance products, are liable to you in any way for any loss or damage at all and however caused, arising directly or indirectly in connection with the transmission of an Electronic Instruction through the Main Site, or any failure to receive an Electronic Instruction for whatever reason.

4.3    Purchasing insurance policies

4.3.1    Where the Online Site enables you to purchase insurance products or services online:

(a)    You and InsureMyRide (“the parties”) may enter into an insurance policy using the Online Site by InsureMyRide making an electronic offer via the Online Site and you electronically communicating your acceptance of that offer via the Online Site to InsureMyRide;
(b)    InsureMyRide may act on and process all completed Electronic Instructions transmitted or issued through the Online Site without further consent from or reference to you; and
(c)    InsureMyRide 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.

4.3.2    Creating a binding insurance contract with InsureMyRide (as authorised representative of the issuer of the insurance product) via the Online Site is a two-step process:

(a)    the first step is to request a quote for the insurance product you are interested in and have selected (for example, by using the online “Get An Instant Quote” facility). Upon completion by you of provision all required details, the Online Site will provide you with a quote, subject to meeting underwriting guidelines, identified by a quote number. This quote and quote number will remain valid and accessible on the Online Site for up to 30 days; and
(b)    if you wish to purchase insurance in accordance with a quote provided to you by InsureMyRide via the Online Site, then, upon completion by you of all required details, step two enables you to accept that quote and create a binding insurance agreement with a corresponding InsureMyRide policy number subject to payment conditions in term 4.3.3 being met.

 

4.3.3    When entering into a contract via the Online Site, you will be taken to have communicated your acceptance to an offer of insurance from InsureMyRide only when:

(a)    the Electronic Instruction containing the acceptance of the offer from you is entered via the Online Site and is received and recorded in the main InsureMyRide database;
(b)    an InsureMyRide policy number is generated by the InsureMyRide database; and
(c)    InsureMyRide receives all required details of a current and valid payment card or current and valid financial institution account number (in either case a card/account which you are authorised to use and which is of a card/account type accepted by InsureMyRide), and to which InsureMyRide is able to successfully charge/debit the full premium amount, or the first premium instalment where InsureMyRide offers you the pay by instalments option. Creation of a binding insurance contract is conditional on InsureMyRide receiving such payment.

4.3.4    If you elect to pay your premium by instalments, then you may be able to select the particular day of each month (or other instalment period) on which your payment card or financial institution account number will be automatically charged/debited for the relevant payment.

4.3.5    Where a transaction is entered into between InsureMyRide and you via the Online Site for the purchase of an insurance product, a policy number will be issued by InsureMyRide via the Online Site. However, a binding insurance agreement is not conditional on the issuance or receipt by you of a policy number.  The failure by you to receive a policy number does not invalidate or otherwise prejudice the existence of an insurance contract or transaction entered into using the Online Site.

4.3.6    The existence of a binding contract is not conditional on InsureMyRide issuing, or you receiving, a paper confirmation of the transaction.

4.3.7    You are responsible for ensuring that you receive a policy number.If you have paid your full premium, or your first premium instalment where the instalment option has been offered to you and you have agreed to pay by this method, and have not received your policy number from InsureMyRide, you should contact InsureMyRide to request the policy number for your records.

4.3.8    Where you complete a quote on the Online Site and select an alternate payment option (meaning not a payment card payment online or a financial institution account debit payment), a binding insurance agreement is not created. Instead, you will need to make payment via an alternate option (such as paying by B-Pay, at an Australia Post Office, or by making a payment card payment to InsureMyRide over the phone). When paying by an alternate payment option, a binding insurance agreement will only be created once InsureMyRide receives your full premium payment, or when InsureMyRide receives your first premium instalment, if we have offered this payment option to you and you have agreed to pay us your premium by instalments.

4.4    Renewal payments

4.4.1    The Online Site may offer an online facility for renewal payment of certain InsureMyRide policies with selected payment cards.
4.4.2    The policy renewal notice will indicate whether online renewal payment is available.
4.4.3    When the renewal payment facility is available, an online renewal payment can be made by following the “Quick Renewal” link on the Online Site.
4.4.4    When making a payment for a policy renewal via the Online Site, you will be taken to have renewed that policy only when:

(a)    the Electronic Instruction containing the policy number, premium amount due and payment card details, and an instruction from you to renew the policy, enters and is recorded in the relevant payment database;
(b)    InsureMyRide receives all required details of a current and valid payment card which you are authorised to use, which is of a payment card type accepted by InsureMyRide, and to which InsureMyRide is able to charge the premium; and
(c)    an InsureMyRide receipt number is generated by the payment system.

4.4.5    A binding renewal insurance contract is conditional on InsureMyRide being able to successfully charge against your nominated payment card and InsureMyRide receiving payment of all applicable renewal amounts due for the policy (or policies) being renewed (either in a single payment or where permitted in instalments, by receipt of the first instalment sum).
4.4.6    The existence of a valid payment is not conditional on InsureMyRide issuing, or you receiving, a paper confirmation of the transaction.

5.    InsureMyRide’s Online Site: payments

5.1    All payments for insurance products, renewals, amendments or other services purchased via the Online Site (including additional premium or other payments which arise from policy amendments made using the My Insurance Site, as described in term 6.3), must be paid in full by clear funds by the due date specified in the relevant confirmation. In respect of instalment payments, the relevant instalment must be paid in full by the specified due date.

5.2    Unless provided for otherwise, all payments referred to in term 5.1 above are to be made by permitted payment cards (or permitted financial institution account debits, as relevant) at the time of purchase, renewal or amendment (as the case may be) of the applicable InsureMyRide policy or service.
In the case of a payment card transaction, you must therefore provide to InsureMyRide details of your permitted current and valid payment card, including:

(a) payment card type;
(b) name on payment card;
(c) payment card number;
(d) card verification value (CVV); and
(e) expiry date.

In the case of a financial institution account debit, you must provide to InsureMyRide details of your permitted current and valid financial institution account, including:

(a) the name of your financial institution;
(b) the full name of the account holder; and
(c) the account number and its BSB number (bank/state/branch number).

6.    InsureMyRide’s Online Site: ‘My Insurance’ self service site

The ‘My Insurance’ (“self service site”), which forms part of our Online Site, enables you to view, manage and change certain details of your InsureMyRide policy online. In addition to the rest of these Online Terms, the specific terms in this term 6 apply to the self service site.

6.1    All Accessing the Self Service Site

 

6.1.1    Most parts of the self service site are only accessible to you if you have “logged in” by providing certain details as requested by InsureMyRide on the log-in, registration and/or authentication pages of the self service site, relating to you and/or one of your insurance policies currently held with InsureMyRide. (Collectively, this information is your “Login”). You will only be able to “log-in”, generate a Login, and use the Self Service Site if you hold at least one current InsureMyRide policy.
6.1.2    You must not provide details of your Login to any other person. You must not allow any other person to use your Login.
6.1.3    You must not use the Self Service Site to access or modify the details of another person without their clear authority. Criminal penalties may apply if you do so.

6.2    Loading your policy details into the self service site
You may, in relation to any of your current InsureMyRide policies and using the functionality of the self service site, include details of those policies in the self service site and associate such policies with your Login (each such policy then being a “Loaded Policy”).

 

6.3    Amending your policy using the self service site
During the term of your policy, and using the self service site, you may have the option of adding, removing or amending certain accessories, modifications and other aspects of your policy. Any such amendment to your policy may result in an additional premium or sum being payable in respect of the amendment. You will be advised if this is the case. Any additional premium must be paid for in accordance with term 5 before the modification to your policy takes effect.
 

6.4    Your policy only
For the avoidance of doubt, the self service site only permits you (or where you are a joint policyholder, you and the other named policyholders) to view, manage and change certain details of your InsureMyRide policies. Access to a policy which is not held solely in your name or jointly in your name and the name of others is not permitted.
 

However, the self service site does not allow:

(a)    the removal by one policyholder of other policyholders from a policy (where a joint policy is held); or
(b)    the cancellation of a policy.

You should contact InsureMyRide by email or phone if you wish to request removal of a policyholder or cancellation of your policy.

7.    Valuation tools, calculators, games and other features

7.1    Our Online Site may contain or make available various tools, calculation devices, software programs, games or other features which assist you in calculating the optimal insurance policy, premium, or level of excess for you. Our Online Site may also contain other useful information.

7.2    Whilst InsureMyRide has undertaken reasonable steps to ensure that any such features or information as described in term 7.1 above are accurate and free from defect, InsureMyRide does not warrant the accuracy, adequacy, correctness or completeness of these features, which are provided on an “as is” basis, or their suitability for your particular purpose. The use by you of any of these features or any information provided is entirely at your own risk. The monetary figures used by these features in any calculations are estimates only and do not take account of your particular circumstances.

8.    InsureMyRide’s standard terms and acceptance criteria apply

All applications for insurance or other products made via the Online Site are subject to and must comply with InsureMyRide’s normal acceptance criteria (which is inclusive of the particular product issuer’s normal acceptance criteria) and are governed by the normal terms and conditions applying to each product or service requested. The terms and conditions of the insurance products InsureMyRide offers are contained in our Product Disclosure Statements. These documents also explain important information about InsureMyRide and the product issuers.
 

9.    Social media content you submit to our Social Media Sites

9.1    When a user of any of our Social Media Sites (“Social Media Site User”) submits any personal information or materials via a Social Media Site including text, comments, recordings, images or otherwise (“Social Media Site User Content”), the Social Media Site User, unless InsureMyRide advises otherwise , licenses and grants InsureMyRide, its affiliates and sub-licensees a non-exclusive, royalty-free, perpetual, worldwide, irrevocable, and sub-licensable right to use, reproduce, modify, adapt, publish and display such Social Media Site User Content for any purpose in any media (including but not limited to, company brochures and other marketing and/or advertising material), without compensation, restriction on use, attribution or liability. InsureMyRide qualifies this term 9.1 by stating that any recruitment application or related correspondence, which is not provided by way of an open public forum or other public process will be treated by InsureMyRide in accordance with the Privacy Statement component of these Online Terms, which begins at term 24.  

9.2    Users agree that they are fully responsible for the Social Media Site User Content they submit. InsureMyRide shall not be liable in any way for such Social Media Site User Content to the full extent permitted by law and shall not be deemed or considered to in any way authorise, endorse, approve or support any material submitted by any Social Media Site User. InsureMyRide may screen and/or remove and/or request that the third party operator of any social media site or website remove any Social Media Site User Content without notice for any reason whatsoever. Social Media Site Users warrant and agree that: (a) they will not submit any Social Media Site User Content that is unlawful, fraudulent, or which may breach any intellectual property rights, privacy, publicity or other right, or is unreasonably commercial (for example, a ‘guerrilla marketing’ attempt), defamatory, obscene, profane, derogatory, pornographic, sexually inappropriate, violent, abusive, harassing, threatening, objectionable with respect to race, religion, origin or gender, not suitable for children aged under 15, misleading or deceptive, or otherwise unsuitable for publication; (b) they will obtain prior consent to the submission of their Social Media Site User Content from all persons who appear in (for example, in photographs) or have any rights in relation to any property that appears in or forms part of their Social Media Site User Content; (c) their Social Media Site User Content will be their own original work and, to the extent that any rights in that work (including copyright) are not owned by the Social Media Site User, they will obtain full prior consent from any person who has jointly created or has any rights in the Social Media Site User Content, to the uses and terms herein; (d) their Social Media Site User Content shall not contain viruses or cause injury or harm to any person or entity or device; and (e) they will comply with all applicable laws and regulations, including without limitation, those governing copyright, content, defamation, privacy, publicity and the access or use of others' computer, mobile communications device or any other communication systems.

9.3    Without limiting any other terms herein, the Social Media Site User agrees to indemnify InsureMyRide (and any of its related bodies corporate) for any loss or expense InsureMyRide and/or any of its related bodies corporate may suffer in relation to any breach of the above terms.

9.4    Social Media Site Users consent to any use of their Social Media Site User Content in accordance with term 9 which may otherwise infringe their moral rights pursuant to the Copyright Act 1968, including InsureMyRide or its affiliates and sub-licensees using and reproducing that Social Media Site User Content without attributing it to the Social Media Site User, or making modifications or adaptations to the Social Media Site User Content for the purpose of reproducing, publishing or displaying that modified or adapted content in another media. Social Media Site Users warrant and agree that they will, prior to its submission, obtain an equivalent consent from each other person who has created the Social Media Site User Content. The Social Media Site User agrees to indemnify InsureMyRide (and any of its related bodies corporate) against all costs and claims by third parties arising from a breach of this warranty.

10.    Warranties

Whilst reasonable steps have been undertaken to ensure that information is free from error, to the extent permitted by law, which law cannot be excluded, InsureMyRide does not warrant the accuracy, adequacy or completeness of Site Content or any Online Site User Content or any Social Media Site User Content, on any of its Online Sites. All information is subject to change without notice. InsureMyRide does not guarantee that any Online Site or any Third Party Site will be free from viruses, or that access to any Online Site or Third Party Site will function as intended or be uninterrupted. All terms implied by law, except those that cannot be lawfully excluded, are excluded.

11.    Limitation of liability

Subject to any responsibilities implied by law and which cannot be excluded, InsureMyRide, and its directors, employees, agents, contractors and related bodies corporate, are not liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to any Site Content, Online Site User Content, Social Media Site User Content, Third Party Material, third party services, or to access (or lack of access) to an Online Site (or website operated by any member of the Suncorp Group) by you, howsoever caused, whether in contract, tort including negligence, statute or otherwise.

 

12.    Indemnity

You indemnify InsureMyRide (and any of its related bodies corporate) in respect of any liability incurred by InsureMyRide (or any of its related bodies corporate) for any loss, cost, damage or expense, howsoever caused, suffered by InsureMyRide (or any of its related bodies corporate) as a result of your breach of these Online Terms or your use of any of our Online Sites and their contents.

13.    No advice

No Online Site purports to provide you with financial product or investment advice of any kind. The information available via an Online Site does not take account of your particular financial or insurance position or requirements. InsureMyRide suggests that you seek independent advice before acting upon any Site Content or any information found on a Third Party Site.

14.    Availability of an Online Site

14.1    Since electronic services are subject to interruption or breakdown, access to an Online Site is offered on an “as is” and “as available” basis only.
 

14.2    InsureMyRide may impose limits or restrictions on the use you may make of an Online Site. Further, for security, technical, maintenance, legal or regulatory reasons, or due to any breach of these Online Terms, InsureMyRide may withdraw an Online Site (of part thereof) at any time and without notice to you.

 

14.3    Any cost associated with accessing an Online Site is the user’s responsibility and is dependent on the internet or telecommunications service provider used.
 

15.    Restrictions on use of an Online Site

The Site Content contained on any Online Site is provided solely for bona fide personal or commercial customers only. By accessing, viewing or otherwise using any of InsureMyRide’s Online Sites, you agree to abide by the terms and conditions of use contained in this term and in term 16.
 

You agree that you will not, (either yourself or through any third party):

(a)    use any robot, spider, screen scraper, data aggregation tool or other automatic device or process ("Automated Process") to process, monitor, copy or extract any web pages on any of our Online Sites, or any of the information, content or data contained within or accessible through any of our Online Sites, without InsureMyRide's prior written permission;
(b)    use any Automated Process to aggregate or combine information, content or data contained within or accessible through any of our Online Sites with information, content or data accessible via or sourced from any third party;
(c)    use any information on or accessed through any of our Online Sites for any commercial purpose(including but not limited to market research, the provision of pricing estimates or 'shadow shopping') or otherwise (either directly or indirectly) for profit or gain;
(d)    use any device, software, process or routine to interfere or attempt to interfere with the proper working of any of our Online Sites or any transaction or process being conducted on or through it;
(e)    take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to any of our Online Sites;
(f)    reverse engineer, reverse assemble, decompile or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with any of our Online Sites; or
(g)    copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from any of our Online Sites without InsureMyRide's prior written permission.

16.    No use of any Online Site for unrelated persons

You must only use our Online Sites (as permitted by their design) to:

(a)    obtain insurance quotes;
(b)    obtain other information relating to the price of insurance cover from InsureMyRide;
(c)    conduct insurance related transactions (including using any self-service function to manage your insurance policy) or queries;

in respect of insurance cover for you, or a member of your immediate family (with their prior consent), or a person for whom you hold an appropriate legal and current power of attorney or for a commercial enterprise for which you seek bona fide insurance cover.
Except as specifically permitted in term 16, you agree not to otherwise use any of our Online Sites to obtain insurance quotes, or to obtain other information relating to the price of insurance cover from InsureMyRide or conduct insurance-related transactions or queries for any other purpose.
You also agree to indemnify InsureMyRide in respect of any liability incurred by InsureMyRide for any loss, cost, damage or expense, howsoever caused, suffered by InsureMyRide as a result of your breach of this term 16.

17.    Third party providers

Parts of our Online Sites, or the provision of payment processing or other services offered via our Online Sites, may be outsourced to third party providers. These Online Terms apply to any outsourced services, unless you are otherwise notified of any alternate terms of use.

18.    Copyright and trademarks

18.1    Copyright in the Material on an Online Site is owned or licensed by InsureMyRide.
 

18.2    Except where necessary for and incidental to viewing or using the Site Content on an Online Site via your web-enabled browser (whether on a personal computer or on a portable electronic device), or as permitted under the Copyright Act 1968 or other applicable laws, no Site Content on an Online Site may be reproduced, stored (for any period of time) in an electronic or other retrieval system, adapted, uploaded to a third party location, framed, performed in public or transmitted in any form by any process whatsoever without the specific written consent of InsureMyRide.
 

18.3    InsureMyRide and each of its related bodies corporate separately reserve their copyright and all other legal rights with respect to their trademarks, whether registered or otherwise. “InsureMyRide” and the “InsureMyRide” registration plate-style logo are both registered trademarks of Australian Alliance Insurance Company Limited ABN 11 006 471 709.
 

18.4    Third party trademarks are trademarks of the respective third parties.

19.    Termination

19.1    Termination of these Online Terms
These Online Terms and your access to our Online Site(s) may be terminated at any time by either party without notice to the other. However, all restrictions, licences granted by you, and all disclaimers and exclusions of and limitations on liability of InsureMyRide, will survive any termination.
Upon termination, you must not directly or indirectly access or use the relevant Online Site(s) or any Site Content on the relevant Online Site(s).

19.2    Termination of access to the self service site
Notwithstanding term 19.1, InsureMyRide reserves the right to terminate your access to the self service site at any time upon notice to you. You may terminate your access to the self service site at any time upon notice to InsureMyRide, which notice must be given to InsureMyRide either by email or telephone (the email and telephone number will be noted on the Online Site or self service site, as appropriate, and may change from time and time). However, such termination will not be effective until notice of that termination is received, processed and acknowledged by InsureMyRide.

19.3    Prohibition on access post termination
Upon termination of these Online Terms and your right to access to our Online Site(s), you must not directly or indirectly access or use any part of our Online Site(s) or any Site Content.

20.    Acceptance of and changes to these Online Terms

20.1    You acknowledge and accept that your use of an Online Site indicates your acceptance of these Online Terms.

20.2    These are the current Online Terms (refer to term 34 for their date). They replace any other terms of use and privacy statement for an Online Site published on any of our Online Sites. InsureMyRide may at any time vary these Online Terms for security, legal or regulatory reasons, or to reflect updates or changes to the services or functionality of an Online Site, by publishing the varied Online Terms on an Online Site. InsureMyRide does not have to indicate on an Online Site that these Online Terms have changed, neither is InsureMyRide under any obligation to specifically contact or notify you of any variation to these Online Terms. You accept that InsureMyRide has provided you with sufficient notice of the variation by making available the current version of the Online Terms on the Online Site you use. By your use of an Online Site after any variation, you are taken to have accepted the new Online Terms.

21.    InsureMyRide’s complaints resolution process

21.1    If you are dissatisfied with your dealings with InsureMyRide in relation to your use of an Online Site please, let us know by emailing us at enquiries@insuremyride.com.au  

21.2    We will review your email and will contact you with a reply or to ask you for further information, if it’s required. If you make a complaint and it is about a InsureMyRide policy or insurance claim, you may have additional rights of appeal, such as under InsureMyRide’s formal dispute resolution process. We will tell you if that is the case. See our Online Site for more information about how InsureMyRide resolves complaints.

22.    General

22.1    An Online Site may be viewed and interacted with by anyone in the world, however age limits may apply to certain Site Content (including the sale or issue of any insurance product), promotions or offers.

22.2    InsureMyRide only offers its insurance products for sale within Australia, subject to the underwriting criteria.

22.3    The law applicable to an Online Site (including InsureMyRide’s operation of any Social Media Site), and to any complaints arising from an Online Site is the law of the State of Queensland, Australia. By using any of our Online Sites you irrevocably submit to the non-exclusive jurisdiction of the courts of the State of Queensland, Australia, and appeal therefrom.

22.4    Should any term or part of these Online Terms be found to be void, unenforceable or invalid, then the element of the term that is void, unenforceable or invalid or the entire term (if the term as a whole is void, unenforceable or invalid) is severed from this agreement, leaving the remainder in full force and effect, provided that the severance has not altered the basic nature of this agreement.

22.5    You may not rely on the words or conduct of InsureMyRide as a waiver of any right unless the waiver is in writing. In this term “conduct” includes delay in the exercise of any right. “Right” means any right of InsureMyRide arising under or in connection with these Online Terms or otherwise, and includes the right to rely on this term. “Waiver” includes an election between rights and remedies, and conduct which might otherwise give rise to an estoppel.

23.    Linking to any of our Online Sites

Unauthorised linking to any part of an Online Site (including any part of a Social Media Site or website operated by a related body corporate that is part of the Suncorp Group) is expressly prohibited. Please contact us if you would like to link to any part of our Online Site(s). Only written permission from us will constitute authorisation of a link.

24.    Our Online Terms Privacy Statement starts here

24.1    By using an Online Site you accept that any personal information InsureMyRide collects about you will be handled according to terms 24 to 32 of these Online Terms. These Online Terms should be read together with the Suncorp Group’s overarching Privacy Policy (Privacy Policy available at suncorp.com.au/corporate/legal/privacy-policy). We additionally refer you to InsureMyRide’s privacy statement which contains easy to read information about our information collection and handling practices generally.

24.2    These Online Terms explain InsureMyRide’s policy for handling personal information which you may provide to us as you access and/or use an Online Site. InsureMyRide encourages you to review these Online Terms periodically as they may be updated from time to time.


24.3    In addition to the provisions of these Online Terms there may also be additional privacy provisions that apply to your use of an Online Site or as a result of your membership (or your application for membership) of a third party social media website that hosts a InsureMyRide Social Media Site. Should you decide to register for or participate in a promotion or other activity, or purchase a product or service from us, you will be bound by the relevant terms of that promotion, activity, product or service.

25.    Your Security and Privacy

25.1    InsureMyRide understands that you, as a visitor or user of an Online Site, are concerned about the security and privacy of information we may gain about you online. InsureMyRide is committed to respecting your privacy and, at all times, complies with its obligations under Australian privacy law.

25.2    InsureMyRide values the personal information you provide us and will take reasonable precautions to prevent unauthorised access to that information.

25.3    Notwithstanding any other term in these Online Terms, you agree and freely acknowledge that when you submit comments, recordings, images or other personal content, for public display on an Online Site, that content may be available for anyone in the world to read and/or view and/or comment on and potentially download. See terms 9 and 27 for further information about the public display of your content.

26.    Sending electronic messages to InsureMyRide

26.1    Unless otherwise stated, when you send InsureMyRide an electronic message (whether email or otherwise), the content of your message and any email or machine address is retained by us for only as long as it takes to respond to your inquiry or provide you with what you’ve requested, unless you provide us with your permission to retain that information for longer or where we believe there is a legal reason to retain the information for a longer period.

26.2    Unless otherwise stated, when you post a public comment or upload other public data to an Online Site, that information may be displayed by InsureMyRide publically in accordance with terms 9, 25 and 27. Your information may also be retained by InsureMyRide where we believe there is a legal reason to retain it for a longer period.

27.    Information collected and how we use it

27.1    General Information

27.1.1    The information we will collect about you will depend on how you use an Online Site.
27.1.2    If you use an Online Site to read, browse or download information, our computer system may record information such as the date and time of your visit, the pages accessed and any information downloaded. This information may be used for statistical, reporting, site/application administration and maintenance purposes only.
27.1.3    An Online Site may offer interactive facilities including tools, games and other online features. If you use any interactive facilities, we may, but generally do not, capture any personal information which you may enter when using these tools.
 

27.2    Personal information submitted to an Online Site

27.2.1    When a user of an Online Site (“Online Site User”), including any Social Media Site User referred to in term 9 above, submits any personal information via an Online Site, whether in the form of text, comments, recordings, images or otherwise (“Online Site User Content”) (for the avoidance of doubt, Online Site User Content includes Social Media Site User Content, as far as is relevant in the circumstances), the Online Site User consents to that personal information being collected by InsureMyRide and used and disclosed for any purpose permitted by these Online Terms, and otherwise as permitted by relevant privacy laws in Australia.

27.2.2    We may collect an Online Site User’s personal information and use it for the purposes of identifying you, establishing your requirements and providing products or services, setting up and managing our products and services, assessing and managing a claim and understanding your needs and improving our products and services through research, product development and training.

27.2.3    InsureMyRide is part of the Suncorp Group and we may disclose an Online Site User’s personal information to all related companies within this Group. The other Suncorp Group companies use and disclose an Online Site User’s personal information for the purposes described above in relation to any products and services they may provide to them. Other companies in the Suncorp Group may also use an Online Site User’s personal information for the purposes of providing products and services to other customers, including investigating their claims (but we will not disclose an Online Site User’s personal information to any other customer without their consent).

27.2.4    We may disclose an Online Site User's personal information to and/or collect their personal information from other companies within the Group; any joint ventures where authorised or required; information technology providers, such as hardware/software vendors and programmers; customer or market research organisations; intermediaries such as their agent, adviser, broker, a representative acting on their behalf, other Australian Financial Services Licensees, or our own authorised representatives and agents; policy holders, where they are an insured person, but not the policy holder; government, law enforcement or statutory bodies; Financial Ombudsman Service; other insurers, financial institutions, insurance and claims reference agencies, credit agencies, loss assessors, financiers, and investigative service providers; in the case of a relationship with a corporate partner such as a bank or credit union, the corporate partner and any new incoming insurer; legal, accounting, finance and other professional advisers hospitals, medical and health professionals; administration or business management services; printers, mail service and delivery providers and imaging and document management services.

27.2.5    In the case of personal information which is provided to InsureMyRide for public display by a Social Media Site User (this includes any ‘tweet’ you send to InsureMyRide on Twitter, which we may “re-tweet” to other Twitter users), InsureMyRide may display that information to other Online Site Users or otherwise display the Online Site User Content for any purpose in any media (including, but not limited to, commercial brochures and/or other advertising material). See also term 9 for what other uses and/or disclosures InsureMyRide may make of a Social Media Site User’s personal information and what limits it imposes.

27.2.6    InsureMyRide may collect personal information belonging to an Online Site User, such as their name, email address or social media site alias, in order to provide them with the interaction or outcome they have requested. This may require InsureMyRide to disclose an Online Site User’s personal information to one or more third parties, including but not limited to agents or external service providers.

27.2.7    If you are using an Online Site such that you are submitting your personal information, you should also first read and understand any separate privacy policy or policies that may apply to your use of any social media website that hosts our Online Site or is connected to any special function or promotion that you are entering. InsureMyRide is not responsible to you for the information handling practices of any such third party, including any host website or service provider.   

27.3    Security of personal information submitted to our Main Site or Mobile Site
All personal information you provide to our Main Site or our Mobile Site over the internet while inquiring about or obtaining an insurance quotation is passed through a secure, encrypted connection. The secure connection is over a protocol called secure sockets layer (SSL). InsureMyRide uses a strong form of SSL encryption (128-bit), which provides a very high level of protection against unauthorised access in order to prevent unauthorised persons from reading the information you send to InsureMyRide while it is in transit over the internet. Once your personal information has been received at our Main Site or our Mobile Site, we take all reasonable precautions to securely pass that information to the InsureMyRide mainframe computer or the GIO mainframe computer in the case of CTP insurance. Neither InsureMyRide’s mainframe computer nor GIO’s mainframe computer is directly accessible through the internet. No details you provide to us are stored on a web server.

28.    Entering a promotion via an Online Site: collection and use of information

28.1    If you decide to enter a promotion that is made available or otherwise advertised on an Online Site you will need to agree to that promotion's separate terms and conditions, which will be drawn to your attention as part of the entry process.

28.2    If a promotion's terms and conditions include opting into the promoter's marketing communications, you can change your mind and unsubscribe (subject to any specific restrictions for the relevant promotion) by contacting the promoter on the contact details provided in their promotional terms.

29.    Your privacy rights and complaint resolution

29.1    If InsureMyRide has collected your personal information through your use of a an Online Site, then you have a right to access, update or correct that personal information, with some limitations as permitted by Australian law. You also have the right to make a complaint about your privacy. You should direct any information access/correction request or privacy concern relating to your use of an Online Site by emailing us at enquiries@insuremyride.com.au or by writing to us at:

InsureMyRide
PO Box 110 Artarmon NSW 1570
 

29.2    We will review your correspondence and contact you with a reply or to ask you for further information, if it’s required. If you make a complaint about your privacy you may have additional rights of appeal, such as under InsureMyRide’s formal dispute resolution process. We will tell you if that is the case. See our Main Site for more information about how InsureMyRide resolves privacy complaints.

30.    Third Party Sites (including third party social media sites)

Our Online Sites may contain links to Third Party Sites (see term 2.1). Third Party Sites should contain their own privacy statements and those third parties are responsible for informing you about their security and privacy practices.

31.    Cookies

31.1    The Main Site uses “cookies” as a fundamental part of its interaction with your internet browser. Our other Online Sites may also use cookies as part of their interaction with your internet browser. Cookies enable InsureMyRide to provide you with a superior, customer-oriented service. A "cookie" is a small text file placed on your computer by our web server. A cookie can later be retrieved by InsureMyRide's website servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your browser. Cookies do not alter the operation of your computer or mobile device in any way.

31.2    Cookies are primarily used by InsureMyRide on its Main Site to to record non-personalised information such as your postcode, gender, date, time or duration of your visit, or the pages accessed, for Online Site administration, statistical and maintenance purposes. Any such information will be aggregated and not attributed to individual users. Most of the Main Site operates by use of cookies. Therefore, if you wish to make full use of the Main Site, or any of our other Online Sites, it is recommended that you accept cookies

31.3    Third Party Sites such as social media sites which host our Social Media Sites may also use cookies. You should refer to their respective terms or use and privacy policies for details.

32.    The personal information of other people

32.1    You agree to obtain the prior consent of any other person whose personal information (whether in the form of words, images, recordings or otherwise) you submit to InsureMyRide via an Online Site, including any Social Media Site. We will collect this information from you in good faith and take reasonable precautions to ensure it is handled in accordance with relevant Australian privacy laws. If you are not sure whether the other person would agree with you providing their personal information to InsureMyRide, please exercise caution and DO NOT provide it to us.

33.    These Online Terms are dated 30 January 2012.