The instantlifeinsurancequotes.com.au website is owned and operated by BHA Financial Solutions Pty Ltd T/A miPlan Online (miPlan). It is not affiliated with any insurance product providers. Rather it was built to enable consumers to compare instant life insurance quotes and easily apply for life insurance online.

miPlan is is an Authorised Representative of Advice Exchange, ABN 55 107 629 194 AFSL 278937. A copy of our Financial Services Guide can be downloaded here

Acceptance and Changes to Terms & Conditions

You agree that your use of this web site indicates your acceptance of these Terms & Conditions and the Privacy and Security Statement.

These are the current Terms & Conditions. They replace any other Terms & Conditions for the this web site published on this web site to date. miPlan may at any time vary the Terms & Conditions by publishing the varied Terms & Conditions on this web site. You accept that by doing this, we have provided you with sufficient notice of the variation. We reserve any rights not expressly granted in these Terms & Conditions.

Date of Publication: 20/05/2013.

Access for persons from Australia only

miPlan is not authorised to carry on business in any other jurisdiction. Accordingly, the information contained in this Internet site is directed to and available for Australian residents only.

General Information only

The information on this site is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives and should NOT to be construed as financial, taxation or legal advice.

Before acting on the basis of this information, you should consider its appropriateness for your own objectives, financial situation and needs. You should also obtain and read a copy of the relevant Product Disclosure Statement before making any decision to acquire a financial product

Accuracy of Information and Limitation of Liability

miPlan does not warrant the accuracy, completeness or currency of information that is made available through this site. We will not be liable for or in connection with any loss or damage arising from any inaccuracies, errors or omissions in information made available through this site. However, miPlan will endeavour to ensure that information is updated as soon as practicable when it becomes aware that material changes have occurred.

miPlan makes no warranty that the use or operation of this site will be uninterrupted or error free or that the site is suitable for any particular purpose or has any performance, functionality or security features except as we are required to provide by law. To the extent permitted by law miPlan’s liability is limited to resupplying the services accessible through this site.

Life Insurance Products

This website provides comparison quotes for Life Insurance products offered by other providers. None of the products we compare can be purchased through this website. In all cases, a link will be provided to the insurer’s website or to a website through which the life insurance product can be purchased.

Where requested by you, miPlan’s authorised representatives can provide advice regarding, and access to, a range of other personal insurance products.

Copyright

miPlan and related logos are trademarks registered in Australia. Except where otherwise specified, copyright in the information provided on, and available from, this site is owned by miPlan. You may not alter or modify this information in any way. This information may be viewed on-line and may be reproduced in hard copy only for your personal reference. You may only use the trademarks and copyright material at this site with miPlan’s express permission and in accordance with miPlan’s directions from time to time. The use of, and creation of links to, this site (including use of miPlan trademarks and copyright material) are at the risk of the user and are subject to miPlan’s rights and the user’s general legal obligations. miPlan makes no warranty and accepts no liability in relation to use of the trademarks outside Australia. For further information about creating links to this site and about using BHA trademarks and other material, contact miPlan on 1300MIPLAN

3rd Party Information

This website contains information sourced from other websites as well as links to other web sites, which are operated by third parties. BHA does not endorse, or approve the information, graphics and materials, which may be contained on those web sites.

Furthermore, miPlan does not make any warranties or representations regarding the accuracy, quality or timeliness of such third party information.

Hence, we advise that you do not act on the information contained within these sites without obtaining independent legal advice.

Jurisdiction

Users of this Internet site covenant that all disputes will be governed by and construed in accordance with the laws of the State of Victoria, Australia and all users and BHA submit to the non-exclusive jurisdiction of the courts of that State.