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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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