Terms of Use

About this website

This is a website operated by Avant Mutual Group Limited (ABN 58 123 154 898) (Avant) under the domain name www.avant.org.au (Avant Website). The Avant Website is operated on behalf of Avant and its wholly owned subsidiaries.

Your use of the Avant Website is governed by these terms of use and Avant's Privacy Policy. In addition to these terms of use, there are also specific terms which form part of these terms of use and govern your use of and access to certain parts/sections of the Avant Website. Since you are also bound by these additional terms, you should review them whenever they are accessible by you on the Avant Website.

The medical, financial and legal information on the Avant Website is not comprehensive and is intended to provide a general outline only. You should not act on the basis of anything contained on the Avant Website without first obtaining specific professional advice.

Avant's service provider may keep logs of your visit to the Avant Website, which may include information about your server's address, domain name, the date and time of your visit, the pages accessed, any documents downloaded, previous site visited and the type of browser used. When paying for a product or service on the Avant Website, Avant requires your contact information, payment details and in certain circumstances your policy number or other customer identification numbers. We use a recognised payment service provider to process any payments you make using the Avant Website. This service provider is committed to protecting your personal information on our behalf.

Avant also collects personal information from you when you complete online applications for our products and services and transact with us online. If Avant collects personal information through the Avant Website it will inform you as soon as practicable about the nature of information collected, for what purpose it is collected and how this information will be used and, if it is to be disclosed, to whom. Avant may use cookies for the purpose of collecting information.

Information about the law relates only to the laws of Australia, unless specifically stated otherwise.

Enquiries and emails

To send an email to us, or to make an enquiry online, you will usually need to complete an email form available on the Avant Website. Many of our online forms ask for a limited amount of personal information for contact purposes, such as an email address or telephone number. You have the choice of whether or not to provide additional personal information. Information provided to Avant either directly or indirectly through these forms will be used by Avant for the purpose advised to you at the time the information is collected, and to meet Avant’s legal obligations.

Links to other websites

The Avant Website may contain links to sites maintained by other organisations. A link from the Avant Website does not imply Avant's endorsement or agreement with the views of those sites. Avant does not provide any warranty or take any responsibility for the accuracy, source or any other aspect of those sites.
Avant is not liable for any loss or damage, however caused (including through negligence), which may be directly or indirectly suffered by you or anyone else in connection with use of a linked site.

Copyright

Unless otherwise indicated, we own or licence all rights, title and interest (including intellectual property rights) in the content on the Avant Website. Copyright in the material on the Avant Website is owned or licensed by Avant and unless otherwise specified, all material including data, pages, documents, online graphics, images and web pages, audio and video are protected by copyright, and may not be modified, reproduced, publicly displayed, performed, distributed or used for any public or commercial purposes without our explicit written permission.

Indemnity

To the maximum extent permitted by law, you agree to indemnify us, and hold us harmless, against any liability suffered or incurred by us arising from or in connection with your use of the Avant Website or any breach of these terms or any applicable laws by you. This indemnity is a continuing obligation, independent from the other obligations under these terms, and continues after these terms end.  It is not necessary for us to suffer or incur any liability before enforcing a right of indemnity under these terms.

No warranty and disclaimer

We give no assurance or warranty that information on the Avant Website is current and take no responsibility for matters arising from changed circumstances or other information or material which may affect the accuracy or currency of information on the Avant Website. We make no representations about the content and suitability of this information for any purpose. Avant does not guarantee or warrant the Avant Website will be uninterrupted, without delay, error-free, omission-free, secure or free of viruses. Your use of the Avant Website is at your own risk. To the maximum extent permitted by law, Avant will not be liable for any loss or damage which may arise as a result of the use of the Avant Website, its content or reliance on the information on it. This includes, but is not limited to, the transmission of any computer virus.

Conduct

The Avant Website may be used only for lawful purposes and it is prohibited to post on the Avant Website any unlawful, harmful, threatening, abusive, harassing, defamatory, or obscene material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any applicable law. You are prohibited from accessing or using the Avant Website in any way that competes with our business or that tampers with or modifies it, knowingly transmits viruses or other disabling features, or damages or interferes with the Avant Website, including (without limitation) via trojan horses, viruses or piracy.

Variation and Termination

These terms and conditions may be updated from time to time. By continuing to use, access or browse the Avant Website, you accept these terms and conditions as modified from time to time. These terms are effective until terminated by us, which we may do at any time without notice to you. In the event of termination, all restrictions imposed on you by these terms and limitations of liability set out in these terms will survive.

Severance

If a provision of these terms is held to be void, invalid, illegal or unenforceable, that provision must be read down as narrowly as necessary to allow it to be valid or enforceable. If it is not possible to read down a provision (in whole or in part), that provision (or that part of that provision) is severed from these terms without affecting the validity or enforceability of the remainder of that provision or the other provisions in these terms.

Jurisdiction

The use of the Avant Website and these terms are governed by the laws of New South Wales. The Avant Website may be accessed throughout Australia and overseas.  We make no representation that the Avant Website complies with the laws (including intellectual property laws) of any country outside Australia.  If you access the Avant Website from outside Australia, you are responsible for complying with the laws of the jurisdiction where you access the Avant Website.


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NSW State Office AddressLevel 6, Darling Park 3, 201 Sussex Street, Sydney NSW 2000
Telephone 02 9260 9000 | Facsimile 02 9261 2921

Mailing addressPO Box 746 Queen Victoria Building NSW 1230

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In the spirit of reconciliation, Avant acknowledges the Traditional Custodians of Country throughout Australia, and their connections to land, sea and community. As a national organisation, we pay our respects to Elders past and present, of the lands on which we gather and work, and extend that respect to all Aboriginal and Torres Strait Islander peoples.

IMPORTANT: Professional indemnity insurance and the Practice Medical Indemnity Policy available from Avant Mutual Group Limited ABN 58 123 154 898 (Avant Mutual) are issued by Avant Insurance Limited, ABN 82 003 707 471, AFSL 238 765 (Avant). Avant Cyber Insurance cover is available to eligible Avant Practice Medical Indemnity Policy holders up to the cessation of their policy and is provided under a Group Policy between Liberty Mutual Insurance Company ABN 61 086 083 605 (Liberty) and Avant. Private health insurance products are issued by The Doctors’ Health Fund Pty Limited, ABN 68 001 417 527, a member of the Avant Mutual Group. Avant arranges Avant Business Insurance as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234 708 (Allianz) and may receive a commission on each policy arranged. Avant Travel Cover is available under a Group Policy between QBE Insurance (Australia) Limited, ABN 78 003 191 035, AFSL 239 545 (QBE) and Avant Mutual. Avant Travel Cover is underwritten by QBE and Avant may receive a benefit for arranging cover. Avant Finance is a registered business name of Avant Doctors’ Finance Pty Ltd (ACN 637 769 361) and licensed to Avant Doctors’ Finance Brokers Pty Ltd (ABN 75 640 406 784). Avant Doctors’ Finance Brokers Pty Ltd is a wholly owned subsidiary of Avant Doctors’ Finance Pty Ltd. Loan products may be provided by Avant Doctors’ Finance Pty Ltd or arranged by Avant Doctors’ Finance Brokers Pty Ltd. Credit services or assistance to which the National Credit Code applies are provided by Avant Doctors’ Finance Brokers Pty Ltd as authorised Credit Representative (Credit Representative Number 523242) for LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192. Legal services are provided by Avant Law Pty Ltd ABN 63 136 429 153 (Avant Law). Liability limited by a scheme approved under Professional Standards Legislation. Legal practitioners employed by Avant Law are members of the scheme.


The information provided on this website is general advice only and has been prepared without taking into account your objectives, financial situation and needs. You should consider these, having regard to the appropriateness of the advice before deciding to purchase or continue to hold these products. For full details including the terms, conditions, and exclusions that apply, please read and consider the relevant Product Disclosure Statement or policy wording and Target Market Determination (TMD) which are available on this website or by contacting us on 1800 128 268. Information on this site does not constitute legal or professional advice, and is current as at the date of initial publication.