By using the Safety Nest website, you agree to comply with the following Terms and Conditions. Please read them carefully.
These Terms of Use, which include our Privacy Policy (Terms), apply to the Safety Nest website located at https://safetynest.com.au, all associated websites, and sub-domains (Website).
Our Privacy Policy operates in conjunction with the privacy policy of our Licensee, Australian Mortgage & Financial Advisers (AMAFA) AFS Licence No. 389206 (ABN 26 088 464 939), which can be found via the following link: AMAFA Privacy Policy.
The Website is owned and operated by Safety Nest Pty Ltd (ABN 92 661 419 076) (collectively, Safety Nest, our, us, or we).
By using the Website or otherwise engaging us and providing your information to us, you consent, and (where relevant) represent that where you provide personal information that relates to another person (such as a spouse or partner), that person has consented, to the collection, use, storage, disclosure, and other handling of that information as described in our Privacy Policy.
If you have any questions about these Terms, please contact us at info@safetynest.com.au.
User or You: Means a person, entity, or organisation who accesses and uses our Website.
Related Bodies Corporate: Has the same meaning as in the Corporations Act 2001 (Cth).
Personnel: Means the directors, officers, employees, agents, and contractors of a person.
Privacy Policy: Means our privacy policy, which can be accessed via this link: Safety Nest Privacy Policy.
Insurance Provider: Means one or more of the insurance providers that we work with, which may change from time to time. As at the date of publication of these Terms, our Insurance Providers are TAL, AIA, Clearview, MetLife, Zurich, neos, and MLC.
These Terms are intended to be for the benefit of Safety Nest, its Related Bodies Corporate, and their respective Personnel.
The Website offers to facilitate a User consultation online with the hopes that the User can be recommended an appropriate insurance policy or policies or other action plan with an Insurance Provider based on the information that the User provides.
By accessing and using the Website, you agree to comply with these Terms. Please read them carefully.
Your use of and access to the Website and its content (including text, images, media, sound, video, social media posts, or downloadable documentation and newsletters) is governed by these Terms and is conditional upon your acceptance of, and compliance with, these Terms.
Your use of and access to the Website constitutes your agreement to be bound by these Terms. From time to time, Safety Nest may change these Terms without notice. Any subsequent use of or access to the Website by you will mean that you have accepted the changes to these Terms. We recommend that you check the Website regularly to ensure you are aware of our current Terms.
The Website and its contents are intended for use by Australian citizens and permanent residents only. By accessing the Website, you confirm that you are a permanent resident and citizen of Australia. The products and services described on the Website, albeit general, are not intended for use by non-Australian Citizens or (i.e., residents or citizens of other countries without dual citizenship and who do not reside in Australia).
Unless otherwise expressly approved by us, any person under the age of 18 is not permitted to access or use the Website (unauthorised persons). An adult with appropriate representative capacity and authority may access the Website on behalf of an unauthorised person, subject to their acceptance of these Terms.
Safety Nest is a Corporate Authorised Representative (001311268) of Australian Mortgage & Financial Advisers (AMAFA) AFS Licence No. 389206 (ABN 26 088 464 939).
A Financial Services Guide provided by AMAFA as licensee appointing Safety Nest as authorised representative can be found via the following link: Safety Nest FSG. You should read this.
The Website provides information and general advice only. The Website does not contain, and Safety Nest does not provide, any personal recommendations, personal financial advice, suggestions, or other advice about the suitability of any product or service or any Insurance Provider.
Safety Nest strongly recommends that users consult a financial adviser prior to making any insurance or financial decision. The contents of the Website do not take into account the investment or other objectives, financial situation, or particular needs of any person and should not be used as the basis for making any financial or other decisions.
The information contained on the Website is selective and may not be complete or accurate for your particular purposes and should not be construed as a recommendation to invest in any particular product or service.
Safety Nest’s role is to facilitate a formal meeting for Users to obtain a tailored recommendation in relation to insurance services offered by the Insurance Providers. The products and services of the Insurance Providers that are recommended and marketed are not representative of all the providers and goods and services available in the market. Safety Nest does not sell or provide any insurance and is not a party to any agreement that a User enters into with an Insurance Provider. Safety Nest does not review or moderate Insurance Providers.
The User agrees that the Website and its content do not constitute professional, financial, or specific insurance advice or recommendation and is not intended to, nor should it be used to, replace professional or financial advice.
Safety Nest tries to ensure that the information contained on the Website (which may include information supplied by third parties) is accurate and up-to-date. The information provided on the Website is given in good faith and is believed to be accurate at the time of compilation. Please contact Safety Nest at info@safetynest.com.au if you identify an error on the Website.
To the maximum extent permitted by law, Safety Nest does not warrant the accuracy, adequacy, or completeness of the information contained on the Website, and You should not rely upon the information on the Website as being accurate, complete, or up-to-date.
Although reasonable care is taken to provide a safe and reliable Website, as the Website is accessible via the internet, we do not guarantee that the Website will be free from viruses, uninterrupted, timely, secure, or operate as intended, and to the maximum extent permitted by law, Safety Nest accepts no responsibility in each regard, including without limitation, for any harmful computer code that might be introduced to your system by using the Website.
We may suspend or withdraw or restrict the availability of all or any part of our Website for business, operational, or any other reason at any time. Safety Nest may terminate your access to the Website at any time, without notice and without providing a reason. You must not, in any way, access the Website after termination of your access. The indemnities and limitations of liability contained in these Terms shall survive the termination of your access to the Website.
Emails from us may contain information provided by third parties. As such, Safety Nest does not warrant the accuracy, adequacy, or completeness of the information in an email sent from Safety Nest, and you should not rely upon the content as being accurate, complete, or up-to-date. You agree that your use of the information contained in an email from Safety Nest is at your own risk.
To the maximum extent permitted by law, Safety Nest does not guarantee that emails will be free from viruses and accepts no responsibility for any harmful computer code that might be introduced to your system by accessing an email sent from Safety Nest or interacting with an email sent from Safety Nest (for example, clicking hyperlinks and opening and/or downloading attached files).
These Terms incorporate our Privacy Policy, and you are taken to have read and accepted our policy. By using the Website, you consent to the processing of your personal information as described in our Privacy Policy, and warrant that all information and data provided by you is accurate.
By using the Website, or communicating with us by email, you acknowledge and agree that Internet transmissions, including emails, are never completely private or secure. This means that even if a particular transmission is encrypted, you understand that any message or information you send to the Website may be read or intercepted by others.
We do not attempt to exclude any conditions, warranties, rights, or remedies which you may have pursuant to legislation to the extent that those conditions, warranties, rights, and remedies cannot be excluded by agreement (non-excludable rights).
Subject to any non-excludable rights:
The Website and its content are provided on an “as is” basis; and
All express or implied conditions or warranties of any kind (including but not limited to any warranties of merchantability, fitness for a particular purpose, freedom from contamination by computer viruses, non-infringement of proprietary rights, and the accuracy, adequacy, currency, suitability, completeness, legality, reliability, or usefulness of any content or other part of the Website) are excluded.
The Website may contain links to third-party websites for your convenience. Safety Nest does not endorse or take responsibility for the content, accuracy, or reliability of these websites. You access these third-party websites at your own risk.
You indemnify Safety Nest and keep us indemnified against all claims, liabilities, expenses (including legal fees on a solicitor-client basis) or losses that may be made against or sustained by us arising from your breach of these Terms or otherwise howsoever from or in connection with your use of the Website, including (without limitation) that arise as a result of:
Any unauthorised access of or breach of security to the Website for whatever reason;
Any error, faults, omissions, inaccuracies, or misrepresentation in relation to the Website, its content, and any communication from us to you, including (without limitation) via email; and
The transmission of any computer virus.
You agree that, to the maximum extent permitted by law, in no circumstances whatsoever will we be liable for any indirect, incidental, special, or consequential loss or damage or loss of profits however caused.
Subject to any non-excludable rights imposed by law and to the fullest extent permitted by law:
Your use of the Website is entirely at your own risk;
You hereby release us, our employees, and agents from any claims you would otherwise have against us now or in the future arising directly or indirectly from the Website or your use of, or reliance on, the Website; and
In no circumstances will we be liable for any damages whatsoever (including, without limitation, direct, indirect, punitive, special, consequential damages, lost profits, lost data, or business interruption) arising out of the use, inability to use, or the results of use of the Website, whether based on contract, tort, statute, common law, equity, or any other legal theory and whether or not advised of the possibility of such damages.
Without limitation, this exclusion of liability applies to any loss or damage caused by any deficiency in the Website’s performance and any error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction, or unauthorised access to, alteration of, or use of any material associated with the Website or your attempted use of the Website.
Safety Nest, its employees, or agents make no guarantees or warranties about the Website information’s accuracy, reliability, or completeness. To the fullest extent permitted by law, Safety Nest disclaims all liability for any direct, indirect, or consequential losses or damages arising out of your use of, or reliance on, the Website.
If you are entitled to make any claim against us as a result of non-excludable rights or on any other basis notwithstanding the provisions of these Terms, our liability to you for the aggregate of such claims (regardless of the basis on which you are entitled to claim from us) is limited to a total sum of $50.
All content on the Website, including but not limited to text, logos, graphics, and images, is the intellectual property of Safety Nest (or is otherwise licensed to Safety Nest), unless otherwise indicated.
Unless specifically authorised by us, or otherwise allowed by applicable laws, you may not copy, modify, publish, transmit, transfer, distribute, or sell, reproduce, create derivative works from, distribute, perform, display, or in any way exploit the Website and any content on the Website or any other communication from us, in whole or in part. Title and ownership of our Intellectual Property shall not be transferred by virtue of your use of the Website.
The Website and the content thereon are made available only to genuine bona fide Users who are genuinely enquiring about the relevant goods and services. By accessing and using the Website, you warrant that you are such a User.
You must not use the Website and any content provided by us by any means for commercial purposes (including for competitive advantage or to the competitive disadvantage of Safety Nest, its Related Bodies Corporate, or AMAFA):
In any manner that is inconsistent with the purpose for which the Website is provided;
In any manner which is in breach of any laws; or
In any other way which is not expressly permitted by these Terms or Safety Nest.
Without limiting the above, you will not and will not permit a third party to:
Use the Website for any unlawful purpose or any purpose prohibited by these Terms;
Gain or attempt to gain unauthorised access to any part of the Website;
Use or access the Website and its content in a way that infringes the intellectual property rights or other rights of any person;
Copy or disclose to any person, any content other than as expressly permitted by these Terms;
Use any method or process (including data scraping, collection or accumulation tool, robot, spider, or scripted responses) for the purpose of obtaining, processing, copying, replicating, distributing, reconfiguring, republishing, viewing, assessing, analysing, modifying, or repackaging the content;
Reverse engineer, disassemble, or otherwise attempt to construct or identify the Website’s source code, formulas, or processes;
Use, access, or retain any content in any manner or form whatsoever, unless expressly permitted by these Terms;
Use systematic, repetitive, or any other methods which are designed to obtain a large number of quotes, comparisons, rankings, or other pricing and related information from the Website;
Use, obtain, or attempt to obtain from the Website, information in order to identify or discover pricing, underwriting, rating, and related business methodology or systems;
Do anything which will or may damage, disrupt access to, or interfere with the proper operation of the Website;
Do anything which will or may place an unreasonable load on the infrastructure of the Website;
Post, distribute, or send any ‘spamming material’ or any other form of bulk communication;
Impersonate any person or entity;
Use the Website to harass, defame, abuse, threaten, or otherwise offend others; and
Transmit any material which contains viruses or other computer codes designed to interrupt, limit, or destroy the efficient operation of the Website, its software, or hardware.
You agree that you will not seek to reverse engineer, decompile, or otherwise reproduce the Website or any of our content.
We reserve the right to modify or update these Terms at any time. Changes will be effective immediately upon being posted on the Website.
Your continued use of the Website following any such changes constitutes your agreement and acceptance of the new terms. It is your responsibility to review the Terms periodically.
No waiver by us, in exercising any right, power, or provision in these Terms shall operate as a waiver of any other right or of that same right at a future time, nor shall any delay in exercise of any power or right be interpreted as a waiver.
If a dispute arises out of or in connection with these Terms or any contract between you and us, then you agree to attempt to settle the dispute by engaging in good faith with us in a process of mediation before commencing arbitration or litigation.
These Terms and any transactions governed by them will be governed by and construed in accordance with the law of Victoria. You submit to the exclusive jurisdiction of courts in Victoria.
If any of these Terms are at any time held by a court of relevant jurisdiction to be void, invalid, or unenforceable, then it shall be treated as changed or reduced, only to the extent minimally necessary to bring it within the laws of said jurisdiction and to prevent it from being void, and it shall be binding in that changed or reduced form. Subject to that, each provision or part thereof shall be interpreted as severable and shall not in any way affect any other of these terms.
If you have any questions in relation to the above, please do not hesitate to contact us via any of the following means:
Email us: hello@safetynest.com.au
Call us: 1300 055 922
Visit our office: 61 Station St, Malvern VIC 3144 (during business hours for in-person assistance)
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Safety Nest Pty Ltd (ABN: 62 679 381 545) is a Corporate Authorised Representative (001311268) of Australian Mortgage & Financial Advisers AFS Licence No. 389206 ABN 26 088 464 939 amafa.com.au
AMAFA respects your privacy and is committed to protecting and maintaining the security of the personal and financial information you provide us. For detailed information on how we handle your personal information, please see AMAFA Privacy Policy.
The information provided on this website is intended to provide general information only and the information has been prepared without taking into account any particular person’s objectives, financial situation or needs. Before acting on such information, you should consider the appropriateness of the information having regard to your personal objectives, financial situation or needs. In particular, you should obtain personal advice before acting on the information contained on this website.