Choicey Pty Ltd (ABN 22 674 550 077)
Terms & Conditions.
BACKGROUND
These terms and conditions apply to all services, websites, platforms, and applications provided by Choicey Pty Ltd (ABN 22 674 550 077) (“we”, “our”, “us”).
This policy regulates your access and use of Our Services, so please read it carefully before proceeding. Your access and use of the Website are contingent on your agreement and compliance with these Terms.
If you do not agree to these Terms, you should immediately stop using or accessing the Website. Your continued use of the Website will signify acceptance of these Terms.
COLLECTION NOTICE.
Choicey Pty Ltd collects both personal and sensitive information in accordance with the Australian Privacy Legislation, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APP). This collection is essential for delivering our Services and fulfilling other operational purposes.
Personal Information: We collect information that identifies you or can be used to identify you, such as your name, contact details, and other identifiers, directly from you or through third parties with your consent.
Sensitive Information: We may also collect sensitive information, which includes details about your health, racial or ethnic origin, political opinions, religious beliefs, or other sensitive data, only when necessary for providing specific services or as required by law.
By interacting with our services and providing this information, you consent to Choicey Pty Ltd using, storing, and disclosing your personal and sensitive information in line with our Privacy Policy.
Promotions & Competitions
Where we offer campaigns, promotions, or contests, they may be subject to additional terms and conditions provided by us or our partners. You may be required to agree to the campaign, promotion, or contest’s specific terms and conditions.
LINKED WEBSITES
Our Website may include links to third-party websites. Those links are given for your convenience, and unless clearly stated differently, we do not support or accept responsibility for any of the content found on those connected websites.
The Website is intended to connect our users with offers and organisations that they may be interested in. Before purchasing any healthcare services, you should analyse your specific demands, healthcare requirements, financial situation, and the terms of any healthcare provider in question. We do not give financial or healthcare advice, and the Content is intended purely for basic information and to help you compare service providers.
Intellectual property
Except as otherwise clearly stated, We own or licence all rights, title, and interest (including copyright and trademarks) in this Website and all material made available on it (“Content”).
Your use of the Website and the Content does not grant you any rights, title, or interest in connection to this Website or the Content.
Any copying or redistribution of this Website or its Content is strictly prohibited, and the Content must not be copied to another server or location for publication or dissemination.
Accuracy and Completeness of Information
The content on our website is not exhaustive and is only designed to provide a summary of the subject matter addressed. While we make every reasonable effort to ensure the truth and completeness of the information on our website, we make no assurance, to the extent permissible by law, including the Australian Consumer Law. You should keep track of any changes to the material included on this website.
We are not liable to you or anyone else for any interference or damage to your computer systems caused by the use of this website or a connected website. You must take your own steps to ensure that whatever you download from our website is free of viruses or other malware (such as worms or Trojan horses) that could interfere with or damage the operation of your computer systems.
We reserve the right to change or add to the website (including the Terms) or the information, products, or services mentioned therein at any time and without notice. However, we do not promise to keep the webpage updated. We are not liable to you or anyone else if the information on the website contains errors or is out of current.
Advice
Choicey Pty Ltd does not provide financial, investment, personal, or other types of advice. Our role is to supply factual and general information concerning the products and services we offer. It is important to assess the suitability of the information we provide in light of your personal objectives, financial circumstances, and needs before taking action based on that information. Please note that the disclaimers in our Terms and Conditions are not related to specific recommendations or advice that may be given to customers; they pertain solely to the general information provided by Choicey Pty Ltd.
Warranties, Disclaimers, and Liability
To the fullest extent permitted by law, including the Australian Consumer Law, we make no warranties or representations about this website or the Content, including but not limited to warranties or representations that they will be complete, accurate, or up-to-date, that access will be uninterrupted, error-free, or virus-free, or that this website is secure.
We reserve the right to restrict, suspend, or terminate your access to this website, any Content, or any feature of this website at any time without notice, and we will not be liable for any loss, cost, damage, or liability resulting from such action.
To the maximum extent permitted by law, including the Australian Consumer Law, in no event shall we be liable for any direct and indirect loss, damage or expense – regardless of the manner in which it occurs – which may be suffered due to your use of our website and/or the information or materials contained on it, or as a result of the inaccessibility of this website and/or the fact that certain information or materials contained on it are incorrect, incomplete, or not.
CHANGES IN THESE TERMS
We may amend these Terms from time to time by posting a notice specifying the changes on this website.
Governing Law and Jurisdiction
Your use of the website and these Terms is governed by Victorian law, and you agree to the non- exclusive jurisdiction of the courts in Victoria.
Complaints
Our trained and experienced health insurance advisors strive to provide the highest quality of service and advice possible; however, we recognise that you may occasionally be less than completely satisfied with our service, recommendations, or advice. If this is the case, please let us know.
Complaints may be submitted through the following channels: (1300 264 938), where one may communicate with a manager; [email protected], addressed to the attention of management; or write to us at 21 Colemans road, Carrum Downs, VIC 3201.
We will make every effort to resolve your issue without delay and will provide a response within 24 hours. We aim to resolve all complaints within 7 business days.
If you have a concern about the recommended private health insurance fund, or the response received from Choicey in relation to your complaint, please feel free to lodge a complaint with the fund directly or with the Private Health Insurance Ombudsman office at www.ombudsman.gov.au.
How we get paid
Choicey has established a collaborative partnership with The ItsMy Group (IMG) for the provision of health insurance advice. IMG maintains affiliations with various health funds included in our selection panel.
When a Choicey insurance consultant provides assistance by:
Recommending a more appropriate health insurance product from one of our affiliated health funds,
And you subsequently enrol with that recommended fund – (to review the affiliated funds),
IMG receives a commission from the health fund upon your enrolment, which is then forwarded to us. This compensation may be a one-time fee or distributed over a period of years, depending on the specific arrangement with the fund.
It is important to note that our health insurance advisors are not privy to the details of the compensation we receive from the health funds they recommend. This information is strictly confidential and not disclosed to them.
Our service essentially acts as an additional marketing avenue for health funds. Crucially, opting to join a health fund through our service does not incur any additional costs on your premium.
Both Choicey and IMG adhere to the Private Health Insurance Intermediaries Association’s code of conduct, ensuring our commitment to ethical and professional standards in our operations.