1. Definitions and General Terms of Use

The terms:

• “Website” refer to this website and its sub-domains, as published by Europ Assistance Australia Pty Ltd (ABN: 71 140 219 594, ACN: 140 219 594), with registered office at 35 Clarence Street, Sydney, Australia (hereinafter referred to as “Redion”), including all information and material contained on the Website;

• “User” refers to any person who accesses, visits, or uses the Website;

• “General Terms of Use” refer to the terms and conditions set out below, as well as any notices and disclaimers available elsewhere on this Website.

By using this Website, the User acknowledges their acceptance of and compliance with these conditions of use without limitation or qualification. These General Terms of Use define the conditions governing access to and use of the Website.

Any insurance product that the User may purchase online or through Redion’s contact centre is subject to its own terms and conditions, as set out in the relevant Product Disclosure Statement (including any Supplementary Product Disclosure Statement), Policy Wording, and any other document specified by Redion as forming part of the insurance policy.

This Website may include links to third-party websites. Likewise, third-party websites may include links to this Website. Redion shall not be liable for the information or material contained on any linked website. The existence of such links does not imply approval or recommendation of the products or services available on those third-party websites.

Redion does not guarantee the accuracy, quality, or reliability of any information available on third-party websites. The content of this Website may be modified without prior notice. Some products and services may not be available in all geographical areas and may be subject to approval by Redion or its related entities.

The User must ensure that the laws of their country allow them to access the Website. If not, they must refrain from accessing or using it.

2. Website Content and Material

Offers are only valid where they are legal and authorised under applicable law. Service offers are restricted to the countries or jurisdictions explicitly mentioned on the Website.

The information provided on the Website is not intended to constitute advice or recommendations. Redion makes reasonable efforts to ensure the information is accurate and up to date, but it remains subject to change.

However, Redion does not guarantee that the information on the Website is accurate, complete, relevant, or up-to-date. To the fullest extent permitted by law, all materials are provided “as is”, without warranties of any kind, whether express or implied.

3. Intellectual Property, Trademarks and Copyright

All content on the Website (including text, graphics, logos, icons, images, software, audio, video, and other materials) is owned by or licensed to Redion and is protected by intellectual property laws.

Unless expressly permitted or with prior written consent from Redion, Users must not:

• Reproduce, modify, adapt, distribute, publish, display, or transmit any content;
• Create derivative works;
• Use content for commercial purposes;
• Remove copyright, trademark, or proprietary notices;
• Use automated tools (scraping, bots, etc.) to extract content.

All trademarks displayed are the property of their respective owners. No licence or right is granted without prior written consent.

4. Limitation of Liability

Redion undertakes to act with due care regarding the information provided but does not guarantee its accuracy or completeness.

Information is provided for general knowledge purposes only. In particular, health-related information must never replace professional medical advice.

Redion shall not be held liable for:

• Any interpretation or use of the information by Users;
• Any consequences resulting from such use;
• Any damages arising from access to or use of the Website (except in cases of fraud or serious misconduct).

To the extent permitted by law, Redion excludes all liability for damages, including but not limited to:

• Direct or indirect damages,
• Loss of profits, goodwill, data, or programs,
• Issues arising from:
  1. Use or inability to use the Website;
  2. Errors, interruptions, or delays;
  3. System failure or viruses.

5. Indemnity

The User agrees to indemnify Redion against any loss, liability, or expense arising from a breach of these Terms of Use or misuse of the Website.

6. Force Majeure

Redion shall not be liable for any failure or delay caused by events beyond its reasonable control, including but not limited to strikes, system failures, fire, accidents, or war.

7. Governing Law

These Terms of Use are governed by the laws of New South Wales, Australia.

Any dispute shall be submitted to the competent courts of New South Wales, without prejudice to Redion’s right to bring proceedings before another competent jurisdiction.

8. Severability and Amendments

If any provision is deemed unenforceable, it shall be replaced with a valid provision reflecting the original intent, while the remaining provisions remain unaffected.

Redion may amend these Terms of Use at any time, with immediate effect and without prior notice.

9. Privacy

The User confirms having read Redion’s Privacy Policy and agrees that it forms part of these Terms of Use.

If the User provides personal data when purchasing insurance via the Website, such data will be handled in accordance with the Privacy Policy.

10. Other

All rights not expressly granted are reserved.