Website Terms and Conditions
Access to and use of the tego.com.au website and the products and services available through this site are subject to the following Terms and Conditions.
About us
In these Terms:
“Our”, “us” and “we” refer to Tego Insurance Pty Ltd (ABN 60 850 505 960), AFSL 482467, of Level 19, 56 Pitt Street, Sydney NSW 2000.
“You” and “your” refer to any person accessing or using this website.
General information only
The information contained on this website is provided for general information purposes only.
It does not take into account your objectives, financial situation or needs and does not constitute personal advice, medical advice, legal advice or a recommendation to acquire any insurance product.
Before acting on any information on this website, you should consider its appropriateness having regard to your circumstances and obtain independent professional advice where appropriate.
Insurance products
Any insurance products referred to on this website are subject to the terms, conditions, limitations and exclusions contained in the relevant policy wording.
Information on this website:
• is a summary only
• does not form part of any insurance contract
• does not amend or replace policy wording
• should be read in conjunction with the applicable policy documentation
Availability of cover is subject to underwriting assessment, eligibility criteria and insurer acceptance.
Where required by law, a Target Market Determination may apply to certain products. Not all products distributed by Tego are subject to design and distribution obligations.
Accuracy of information
We have taken reasonable care in preparing the content on this website. However, information may change without notice due to legislative updates, regulatory developments, insurer requirements or changes in circumstances.
To the maximum extent permitted by law, we do not warrant or guarantee the accuracy, adequacy, completeness or timeliness of the information and exclude liability for any loss arising from reliance on information contained in or omitted from this website.
Use of the website
This website is provided on an “as is” and “as available” basis.
To the maximum extent permitted by law, we disclaim all representations and warranties, whether express, implied or statutory, including warranties of merchantability, fitness for purpose or non-infringement.
We do not warrant that:
• the website will be continuously available
• access will be uninterrupted or error-free
• the website or servers are free from harmful components
Security and technology risks
While reasonable steps are taken to maintain website security, we do not guarantee that this website is free from viruses, malware, cyber intrusion or technical vulnerabilities.
You are responsible for implementing appropriate safeguards when accessing this website.
Artificial intelligence and automated content
Certain content on this website may be generated or assisted by automated or artificial intelligence systems.
Such content is provided for general informational purposes only and should not be relied upon as professional, medical, legal or insurance advice.
Limitation of liability
To the maximum extent permitted by law, we exclude all liability for any loss or damage (including direct, indirect, incidental, consequential or economic loss) arising out of or in connection with:
• use of or reliance on this website
• inability to access the website
• errors, omissions or inaccuracies in content
• system failures, delays or interruptions
• transmission of viruses or malicious code
Nothing in these Terms excludes or limits any rights or remedies that cannot be excluded under the Australian Consumer Law.
Intellectual property
All content on this website, including text, graphics, logos, trademarks, trade names and design elements, is owned by or licensed to Tego Insurance Pty Ltd unless otherwise stated.
You may view and print content for personal, non-commercial use only. No content may be reproduced, modified, distributed or published without prior written consent.
Third-party links
This website may contain links to third-party websites.
We do not control and are not responsible for the content, accuracy, security, privacy practices or services offered by third parties. The inclusion of a link does not constitute endorsement.
Accessing third-party websites is at your own risk.
Privacy
Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, store and disclose personal information, including the use of cookies and analytics tools.
Age restriction
This website is intended for business and commercial use and is not directed to individuals under 18 years of age.
Governing law
These Terms are governed by the laws of New South Wales, Australia.
Any dispute arising in connection with these Terms or your use of this website must first be referred to good-faith negotiation. If unresolved, the dispute shall be subject to mediation before either party commences court proceedings.