Website Terms of Use

The words 'we' ‘our’ and 'us' within the terms of use refers to Covertec Pty Ltd (ABN 94 151 402 925).

Do not use this website unless you have read these terms, and accept that they will govern your right to use and access our website,, and all the documents, links and information contained on it. If you choose to use our website and download documents then we will regard that use as conclusive evidence of your agreement and acceptance that these terms govern yours and our rights and obligations to each other.

We reserve the right to change these terms and conditions of use at any time and those changes shall take effect in respect of all subsequent uses by you of the website. You should therefore check these terms every time before you use the website and only if you accept these terms should you proceed to access and use the documents on the website.

Changes in circumstances may occur at any time and may impact on the accuracy or completeness of the information contained on this site. We have taken reasonable care in producing this information. However, to the extent permitted by law, we do not warrant the accuracy, adequacy or completeness of the information and exclude liability for any decision taken on the basis of information shown in, or omitted from, this Website.

Copyright Notice

All material on this website is protected by copyright under the Copyright Act 1968 (Cth) and, through international treaties and agreements, under the laws of other countries.   Unless expressly stated to the contrary, we own copyright in all the material on this website.

Other than for the purposes of the Copyright Act 1968 (Cth), or as otherwise stated, no material on this website may be altered, reproduced, stored in a retrieval system or transmitted without the prior written consent of us.

You are only authorized to use this website and its contents for your personal, non-commercial use by viewing this website and printing off individual pages or sections for personal use.

Intended Use

The material on this site is published by us and is solely intended for use in Australia. If you access this website from outside Australia, you do so at your own risk and you are responsible for compliance with the laws in your respective jurisdiction.

Financial Services Product(s) – General advice warning

The information in this site is general only and does not consider your objectives, financial situation or needs.

To decide if any of the insurance products are right for you please read the relevant Product Disclosure Statements (PDS) and theses should be consulted in all cases affecting legal rights or responsibilities.


The information, materials and services contained on this site are provided to you 'as is', and 'as available'. To the maximum extent permitted by law, unless otherwise specified, we disclaim all representations and warranties of any kind, whether express, implied or statutory. In addition, we do not warrant, guarantee or make any representations regarding the security of accounts, or that this site is free from destructive materials, including but not limited to computer viruses, hackers, or other technical sabotage, nor do we warrant, guarantee or make any representations that access to this site will be fully accessible at all times, uninterrupted, or error-free.

Limitation of Liability

To the maximum extent permitted by law, we disclaim liability for any damages, including, without limitation, direct or indirect, special, incidental, compensatory, exemplary or consequential damages, losses or expenses, including without limitation lost or misdirected orders, lost profits, lost goodwill, or lost or stolen programs or other data, however caused and under any theory of liability arising out of or in connection with:

(1) use of this site, or the inability to use this site by any party, or

(2) any failure or performance, error, omission, interruption, defect, delay in operation or transmission, or

(3) line or system failure or the introduction of a computer virus, or other technical sabotage, even if we or our employees or representatives are advised of the possibility or likelihood of such damages, losses or expenses.

Trade Marks

All trade names, brand names, trade symbols, logos, slogans, trade

marks, service marks, brand names, company names, logos, slogans, trade marks or service marks indicated on the Website are the property of their respective owners.  You may not use these except by saving, or printing out, a copy of this website as permitted above.

Other registered trade marks may be featured on this website from time to time.   The use of any such trade mark on this website is not intended to indicate any association with or endorsement by the owner of that trade mark.

Third Party Websites

This Website contains a number of advertisements or links to other Internet sites, which are operated by third parties.  Any advertisements or links are provided for your convenience.   The presence of advertisements or links does not amount, expressly or impliedly, to any endorsement of the website(s) or the products or services provided there.

You acknowledge and agree that we are not responsible either directly or indirectly for any damage or loss caused by use of or reliance on linked sites.

Governing Law

This agreement is governed by the law in force in the State of South Australia.