Terms and Conditions
The www.qiducia.com.au website (this ’website’) is owned by Qamvis Insurance Group Pty Ltd (ABN: 32 097 620 758) of L1 269a High Street, Ashbuton VIC (‘Qiducia Underwriting’). These terms (‘Terms’) govern your use of this website. Your use of this web site will mean you accept these Terms.
Products and Services
The information provided on this website is appropriate only for persons living within Australia. Qiducia Underwriting and its related bodies corporate will only provide products and services to persons living within Australia.
This website, and the materials and information found on this website, only contain general information about Qiducia Underwriting, its related bodies corporate and their businesses, services and products. This website and the material and information found on this website have not been prepared with reference to your objectives, financial circumstances or your insurance or other needs. Accordingly, you should not act on the basis of any material or information contained on the website without first considering your objectives, financial situation and needs, and obtaining appropriate advice from your financial, legal and/or other professional advisers.
This website only provides a brief overview of the products and services of Qiducia Underwriting and its related bodies corporate. You should obtain a Product Disclosure Statement relating to the products and services in which you are interested and consider the Product Disclosure Statement before making any decision about whether to acquire the product or service.
All applications for products or services made via this website are subject to and must comply with the normal approval criteria of Qiducia Underwriting and its related bodies corporate. Qiducia Underwriting and its related bodies corporate are not obliged to approve any application submitted by you and may decline any such application. If Qiducia Underwriting or its related bodies corporate declines any application submitted by you, Qiducia Underwriting and its related bodies corporate will not be obliged to provide to you the products or services to which the application relates.
Qiducia Underwriting’s products and services and those of its related bodies corporate are governed by the terms and conditions applying to each product or service and not these Terms. A copy of the terms and conditions for any particular product or service will be provided to you on request. You will need to consider the terms and conditions and make sure that you are happy with them, before you decide to apply for a product or service.
Unless otherwise stated in a Product Disclosure Statement, Customer Information Brochure or other product document, neither Qiducia Underwriting nor any of its related bodies corporate guarantees any particular product feature, rate of return, performance of any investment or the repayment of capital from any investment. You should note and appreciate that investments are subject to investment and other risks. These risks could involve delays in repayment and loss or diminution of income or capital invested.
Third-party offers and websites
This website may:
contain links to, or frame, websites of third parties who are not part of the Qamvis Insurance Group Pty Ltd of companies; or
refer to offers or promotions by third persons who are not part of the Qamvis Insurance Group Pty Ltd of companies.
Except to the extent specifically stated to the contrary by this website, neither Qiducia Underwriting nor its related bodies corporate sponsor, endorse, recommend or approve of the third party operators of their websites or the material, information, advice, service or products, offers or promotions of third party operators.
Except to the extent specifically stated to the contrary by this website and subject to any applicable law which cannot legally be excluded, restricted or modified, neither Qiducia Underwriting nor its related bodies corporate make any warranties or representations:
- Regarding the quality, accuracy, merchantability or fitness for purpose of the materials, information, advice, goods or services available from those websites or the operators of those websites; or
- That the information, material, services or products, offers or promotions available from those websites or the operators of those websites do not infringe the rights (including intellectual property rights) of any person.
Neither Qiducia Underwriting nor its related bodies corporate authorise the reproduction of materials, information, advice, goods or services of third party operators. Subject to any contrary statement in this website, to the extent permitted by law, Qiducia Underwriting and its related bodies corporate will not be liable in relation to the material, information, advice, service, products, offers or promotions contained on third party operated websites or references to offers or promotions by third persons who are not part of the Qamvis Insurance Group Pty Ltd of companies
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