Hiccup Insurance Pty Ltd Terms and Conditions (“Agreement”)

This Agreement was last modified on June 29, 2014.

Please read these Terms and Conditions (“Agreement”, “Terms and Conditions”) carefully before using http://www.hiccup.com.au (“the Site”) operated by Hiccup Insurance Pty Ltd (“us”, “we”, or “our”). This Agreement sets forth the legally binding terms and conditions for your use of the Site at http://www.hiccup.com.au.

By accessing or using the Site in any manner, including, but not limited to, visiting or browsing the Site or contributing content or other materials to the Site, you agree to be bound by these Terms and Conditions. Capitalised terms are defined in this Agreement.

Correspondence
By using this site you acknowledge that our principal means of communication is via email and therefore it is important that you to ensure that we have your current email address. All notices sent will be deemed to be delivered at the time of sending it. It is every customer’s responsibility to inform Hiccup Insurance Pty Ltd if there is any change to this address.

Intellectual Property
The Site and its original content, features and functionality are owned by Hiccup Insurance Pty Ltd and are protected by international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

Termination
We may terminate your access to the Site, without cause or notice, which may result in the forfeiture and destruction of all information associated with you. All provisions of this Agreement that by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Changes to Premiums
We reserve the right to change the premium charged for a policy at any time without notice. This does not affect customers who have already purchased a policy.

Refunds
If you decide that you do not want a policy, you may cancel it within 14 days after you are issued your Certificate of Insurance and PDS. You will be given a full refund of the premium you paid, provided you have not started your journey and you do not want to make a claim or to exercise any other right under the policy. After this period you can still cancel your policy but we will not refund any part of your premium if you do. No part refunds will be made including instances where an existing policy is modified to be a shorter duration resulting in a smaller total gross premium value.

Payments
Payment is by credit or debit card and is required at the time you purchase the policy. Hiccup Insurance Pty Ltd may, at its sole discretion, cease to provide service or payment to certain users or to users paying with certain credit cards. Hiccup Insurance Pty Ltd reserves the right without explanation to refuse purchase from any customer.

Disclaimer and Limitation of Liability
Hiccup Insurance Pty Ltd will not have any liability for any loss or damage without limitation that are alleged to have resulted from the Hiccup Insurance Pty Ltd website or its content, including but not limited to, delays or interruptions in service or communication, a customer’s or any other person’s misuse of the site and its content, and any errors or omissions in content.

Links To Other Sites
Our Site may contain links to third-party sites that are not owned or controlled by Hiccup Insurance Pty Ltd.

Hiccup Insurance Pty Ltd has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party sites or services. We strongly advise you to read the terms and conditions and privacy policy of any third-party site that you visit.

Governing Law
This Agreement (and any further rules, polices, or guidelines incorporated by reference) shall be governed and construed in accordance with the laws of Australia, without giving effect to any principles of conflicts of law.

Changes To This Agreement
We reserve the right, at our sole discretion, to modify or replace these Terms and Conditions by posting the updated terms on the Site. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms and Conditions.

Please review this Agreement periodically for changes. If you do not agree to any of this Agreement or any changes to this Agreement, do not use, access or continue to access the Site or discontinue any use of the Site immediately.

Contact Us
If you have any questions about this Agreement, please contact us.

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