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Website legal information
Disclaimer
The Guild Group website has been prepared and is maintained in order to provide you with general information about the Guild Group and its businesses and products. The Guild Group website does not enable you to purchase or pay for insurance or financial products and services, but does allow the Guild Group to obtain generic information about website visitors. In addition, some parts of the Guild Group website allow you to provide personal information and consent to further marketing and information dissemination activities.
This website is prepared and maintained by and on behalf of the Guild Group of Companies, and is owned by Guild Insurance & Financial Services Holdings Limited (ABN 72 060 237 774) (which is a member of the Guild Group of Companies) under the domain name www.guildifs.com.au. View the Guild Group organisational structureship and ownership chart
The Guild Group website and the material and information therein is of a general nature only and is not intended to constitute advice to you. It does not take into account your insurance or financial service needs, objectives or financial circumstances. 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 either your Guild Group advisers or your financial, legal or other professional adviser.
The material and information on the Guild Group website should not be used or relied upon in lieu of specific product disclosure documents. Prior to acquiring a financial product, you should obtain a Product Disclosure Statement relating to the product and consider the Product Disclosure Statement before making any decision about whether to acquire the product.
The information on the Guild Group website is not a recommendation to purchase any insurance or financial products, investments or securities offered or provided by the Guild Group of Companies or by any third-party supplier referred to in or accessed via the Guild Group website.
The Guild Group believes that the information contained on the website is true and correct at the time of its review (being January 2007).
Neither the Guild Group nor any of its related corporations accepts any liability in respect of, nor guarantees the performance of or payment of any claim or benefit in respect of, insurance or financial products that are arranged by it as an agent for a third-party supplier or are underwritten by a third-party.
Similarly, neither the Guild Group nor any of its related corporations accepts any liability in or responsibility for material, information, advice, service or products provided by other websites or other website providers which are linked to the Guild Group website and accessed via the Guild Group website.
Terms and Conditions |
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The Guild Group website is prepared and maintained by and on behalf of the Guild Group of Companies, and is owned by Guild Insurance & Financial Services Holdings Limited (ABN 72 060 237 774) (which is a member of the Guild Group of Companies) under the domain name www.guildifs.com.au.
Your access to the Guild Group website and use of the information, graphics and materials thereon, is subject to these Terms and Conditions, notices, disclaimers and any other statements contained on the Guild Group website (collectively referred to as "Guild Group Terms and Conditions"). By using the Guild Group website you agree to comply with and be subject to the Guild Group Terms and Conditions.
Access to the Guild Group website
The information provided on the Guild Group website is appropriate only to those persons living within Australia. The products and services offered on the website are only offered to those persons living within Australia.
Products and services
Not all products and services referred to on the Guild Group website are provided by the same Guild Group company.
Unless otherwise stated or guaranteed within a Product Disclosure Statement, Customer Information Brochure or other product document, neither the Guild Group nor any company therein nor any related corporations 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.
Neither the Guild Group nor any company therein nor any of its related corporations accepts any liability in respect of, nor guarantees the performance of or payment of any claim or benefit in respect of, insurance or financial products that are arranged by it as an agent for a third-party supplier or are underwritten by a third-party.
Similarly, neither the Guild Group nor any of its related corporations accepts any liability in or responsibility for material, information, advice or products provided by other websites or other website providers which are linked to the Guild Group website and accessed via the Guild Group website.
Collection and use of information about visitors to the Guild Group website
The Guild Group website collects general information relating to the traffic on the Guild Group website. No personal information is collected unless you actively type your personal information into one of the online enquiry forms used for the purposes of providing you with further information about our products.
The collection, use and disclosure of your personal information will be in accordance with the Guild Group Privacy and Security Policy available on this website. Your access to and use of the Guild Group website evidences your consent to this Policy.
Warranties
The Guild Group has attempted and will attempt to ensure that material and information on the Guild Group website is true and correct. However, the Guild Group does not warrant the accuracy, adequacy or completeness of material and information on the Guild Group website. All material and information is subject to change without notice. The Guild Group does not guarantee that the Guild Group website nor any third-party website accessed via the Guild Group website is free from viruses or that access will be uninterrupted. All terms implied by law, except those that can not be lawfully excluded, are excluded.
Third-party offers
The Guild Group website may contain links to other websites or references to other offers or promotions by third persons who are not part of the Guild Group of companies. Unless otherwise stated to the contrary, the Guild Group does not sponsor, endorse or approve of the operators of these other websites or the material, information, advice, service or products, offers or promotions found thereon. Subject to any applicable law which cannot be excluded, the Guild Group makes no warranties or representations:
- regarding the quality, accuracy, merchantability or fitness for purpose of the materials, information, goods or services available from those websites or third persons; or
- that the information, advice, services or products, offers or promotions do not infringe the intellectual property rights of any person. The Guild Group does not authorise the reproduction of such materials, information, goods or services by linking to another website (either whole or in part).
You should note and appreciate that your obtaining materials, information, goods and services from those third-parties and their websites is entirely at your own risk. You indemnify the Guild Group and each member of the Guild Group of Companies against all loss, damage, liability, claims and expense (whether direct or indirect, consequential, financial or non-financial) arising from or relating to your obtaining information, goods or services from a third-party referred to or accessed via the Guild Group website.
Investment performance
Unless otherwise stated to the contrary, neither the Guild Group of Companies nor any related company guarantees any particular return, rate of return, the performance of any investment or the repayment of capital from any investment. You should note and appreciate that investment is subject to investment and other risks. These risks could include delays in repayment and loss or diminution of income or capital invested.
Disclaimer & limitation of liability
To the maximum extent permissible by law, the Guild Group, its directors, employees, agents and contractors, and companies therein are and will not be liable in any way for any loss, damage, liability, claims and expense (including legal costs and defence or settlement costs whatsoever, whether direct or indirect, consequential, financial or non-financial) suffered by you or arising out of or referable to the Guild Group website, third-party websites, access to the Guild Group website by you, or failure by the Guild Group to provide this website, howsoever caused whether in contract, tort (including negligence), statute or otherwise. The liability of the Guild Group and any company therein for negligence, breach of contract or contravention of any law arising from any act or omission is limited, at the option of the Guild Group and to the maximum extent permissible by law, to resupplying the Guild Group website or any part of it to you or to paying for the resupply of the Guild Group website or any part of it to you.
Indemnity
You will indemnify the Guild Group and any company therein in respect of any liability suffered by the Guild Group or any company therein for any loss, damage, liability, claim and expense (including legal costs and defence or settlement costs whatsoever, whether direct or indirect, consequential, financial or non-financial) howsoever caused, suffered by the Guild Group or any company therein as a result of your breach of the Guild Group Terms and Conditions or your use or access to the Guild Group website (including use or access to third-party websites therefrom).
Applicable law
These Terms and Conditions and this agreement is governed by the law in force in the State of Victoria, and the parties irrevocably submit to the non-exclusive jurisdiction of the courts of Victoria and courts of appeal from them for determining any dispute arising from the Guild Group website.
The Terms and Conditions can be modified at any time by the Guild Group and you agree to continue to be bound by these Terms and Conditions as modified. Notice of these changes will be published on the Guild Group website and will not be separately notified to you. By using the Guild Group website you agree to be subject to the Guild Group Terms and Conditions, as modified.
If the whole or any part of the Terms and Conditions is void, unenforceable, or illegal within a jurisdiction, it is severed for that jurisdiction. The remainder of the Terms and Conditions have full force and effect and the validity or enforceability of the severed provision in any other jurisdiction is not affected. This clause has no effect if the severance alters the basis nature of the Terms and Conditions or is contrary to public policy.
Website availability
You note and acknowledge that electronic services are subject to interruption or breakdown, and that accordingly the Guild Group website is offered on an "as is" and "as available" basis only. The Guild Group may impose limits or restriction on the use you may make of the Guild Group website and materials and information thereon. The Guild Group may withdraw, restrict, alter or modify the Guild Group website at any time without notice to you.
Copyright
Copyright in the materials used on the Guild Group website is owned by or licensed to the Group Group. In particular, 'Guild' is a Trademark of The Pharmacy Guild of Australia, the use of which has been authorised to the Guild Group as its wholly-owned subsidiary. Trademarks of third parties used in, viewed at or accessed via the Guild Group website are owned or controlled by those third-parties.
Except where necessary for or incidental to viewing the information or as permitted under the Copyright Act 1968 (Clth) or other applicable laws or the Guild Group Terms and Conditions, no material or information on the Guild Group website may be reproduced, adapted, uploaded to a third-party location, stored in an electronic or other retrieval system, linked to, framed, performed in public, distributed or transmitted in any form by any process whatsoever without the knowledge and express written consent of the Guild Group.
Linking to Guild Group website
Use of the materials and information on the Guild Group website without the knowledge and consent of the Guild Group is totally prohibited, as is linking (in whole or in part) the Guild Group website to any other website. Please contact the Guild Group if you would like to link to any part of the Guild Group website.
Privacy and Security Policy |
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This Guild Group Privacy and Security Policy applies to the Guild Group website which is prepared and maintained by and on behalf of the Guild Group of Companies, and is owned by Guild Insurance & Financial Services Holdings Limited (ABN 72 060 237 774) (which is a member of the Guild Group of Companies) under the domain name www.guildifs.com.au.
This Guild Group Privacy and Security Policy may also apply to material and information provided by the Guild Group on or via websites hosted by third-parties.
The Guild Group understands and appreciates that you, as a visitor to the Guild Group website, are concerned about your privacy and about the confidentiality and security of information the Guild Group may gain about you online. This Guild Group Privacy and Security Policy explains how information about you will be treated as you access the Guild Group website.
As the Guild Group website and underlying technology develops and evolves, the Guild Group will seek to provide you with better services and a more effective website. We encourage you to continue to review this Guild Group Privacy and Security Policy as it may change from time to time.
In addition to the provisions of this Guild Group Privacy and Security Policy, there may also be specific and additional privacy provisions which apply to parts of the Guild Group website. You should also review those specific and additional provisions. In the event of inconsistency between the provisions of this Guild Group Privacy and Security Policy and those other specific and additional privacy provisions, the specific and additional privacy provisions will apply.
Information collected
The information about you that is collected will depend on how you use and access the Guild Group website.
If you visit the Guild Group website to read, browse or down-load material or information, our system will record the date and time of your visit to the Guild Group website, the pages you have viewed, and any information you downloaded. This information is used for statistical, reporting and website administration and maintenance purposes only.
If you provide us with your personal information through an enquiry form on this website, this information will be received, retained, used and disclosed by the Guild Group for the primary purpose of providing you with further information about your enquiry and other products and services. You may at any time request that no further marketing material be sent to you. You may also access the personal information that the Guild Group holds about you.
The Guild Group website contain links to the websites of third-party providers of material, information, advices, goods and services. If you have accessed such third-party websites through the Guild Group website, and if those third-parties collect information about or obtain information from you, the Guild Group may also collect or have access to that information as part of our arrangements with those third-parties. If collected this information will be used for the purpose of providing you with information about our products. Third-party websites should contain their own privacy and security Policy and those third-parties are responsible for informing you about their own privacy practices and addressing your privacy concerns.
Cookies
As the Guild Group website is currently an information-only website, no cookies are utilised thereon. However, as the Guild Group website and its facilities are reviewed and modified, such cookies may well be introduced to some parts of the Guild Group website at a future stage. In that event, disclosure will be made in an amended Guild Group Privacy and Security Policy.
The Guild Group website contains links to the websites of third-party providers of material, information, advices, goods and services. If you have accessed such third-party websites through the Guild Group website, and if those third-parties use cookies, those third-parties and third-party websites are responsible for making appropriate disclosures on cookies to you as part of their own privacy and security policy, and those third-parties are responsible for informing you about their own privacy practices and addressing your privacy concerns. If you have accessed such third-party websites through the Guild Group website, and if those third-parties use cookies to collect information about or obtain information from you, the Guild Group may also collect or have access to that information as part of our arrangements with those third-parties.
The Guild Group may preserve and retain the content of any Email that you send us, if the Guild Group has your consent or believes that it has a legal requirement to do so. Any personal information contained in your Email, including your name and Email address, will be used or disclosed in accordance with this Guild Group Privacy and Security Policy. In addition, your Email message content may be monitored by our or your own Internet Service Provider, IT consultants,or employees of the Guild Group for customer service monitoring, internet traffic monitoring, trouble shooting and maintenance purposes, or where Email abuse is suspected or being investigated.
You should note that the Internet Service Provider for the Guild Group website is not the Internet Service Provider for the Guild Group Email facility.
Security of information
The Guild Group attempts to preserve the security of personal information you provide to us either as a result of your access to the Guild Group website or by direct non-website or non-Email dealings with the Guild Group.
It is noted and acknowledged that no data transmission over the Internet can be guaranteed as being totally secure. Despite the best efforts of the Guild Group, therefore, the Guild Group cannot ensure or warrant the security of any information you transmit to the Guild Group and you acknowledge that you do so at your own risk. Upon receipt of your transmission, however, the Guild Group takes reasonable steps to preserve the security of information about you in our own systems.
Changes to the Guild Group Privacy and Security Policy
You acknowledge and accept that your access to and use of the Guild Group website evidences your acceptance of the Guild Group website Terms and Conditions and the Guild Group Privacy and Security Policy.
This is the current Guild Group Privacy and Security Policy. It replaces any other Privacy and Security Policy for the Guild Group website to date. The Guild Group may at any time vary the Guild Group Privacy and Security Policy by publishing the varied Policy on the Guild Group website. You accept that by doing this the Guild Group has provided you with sufficient notice of the variation.