Youi Website Terms of Use

1.0 General

1.1 Our Website

Thank you for visiting our website.

The Youi website is owned and operated by Youi Pty Ltd ABN 79 123 074 733 ("Youi") and its related entities. Youi insurance products are issued by Youi Pty Ltd ABN 79 123 074 733 AFSL 316 511.

In these Terms of Use, "our website" refers to the domain name youi.com.au, social media platforms managed by Youi (including but not limited to Instagram, YouTube, Facebook and Twitter) and the Youi App; "we", "our", and "us" refers to Youi and its related entities; and "you" or "your" refers to the person accessing our website.

Your use of our website is governed by these Terms of Use and our Privacy Policy. Your access and use of our website constitutes your agreement to these Terms of Use. Other terms or conditions may also apply subject to your use of the website, for example competitions or App promotions may have their own terms. Where there is an inconsistency with these Terms of Use and any other terms or conditions, the latter will prevail.

1.2 Acknowledgement

Any failure or partial failure by us to exercise any right, power or remedy under these Terms of Use shall not operate as a waiver of our rights.

These are the current Terms of Use and replace any other Terms of Use previously published on our website to date. Without notice to you (where permitted by law), our Terms of Use may be varied at any time by publishing the updated terms of use on our website. Variations may be made for security, legal or regulatory reasons, or to reflect changes in technology or updates or changes to the services, information or functionality of our website. 

You can keep track of any changes via the ‘Prepared Date’ at the end of these Terms of Use. We encourage you to check back regularly for updates. By your use of our website after any published update, you are taken to have accepted the new Terms of Use.

1.3 Privacy

The privacy and security of our customers is extremely important to us. We are committed to protecting the privacy of the personal information we hold and to handling it in a secure and responsible manner in accordance with the Commonwealth Government’s Privacy Act and the Australian Privacy Principles. Our website will record and track the use you make of our website and certain data items will be collected and used by us in order to provide insurance quotations, service provider portals and other online services and as set out in our Privacy Policy.

Notwithstanding any other terms in these Terms of Use or our Privacy Policy, you agree and acknowledge that when you submit comments, or other personal content, for public display on any part of our website, that content may be displayed by us publicly and may be available for any person to view and/or comments on and/or download.

Please read our Privacy Policy located on our website, which explains how we collect store and use certain information provided to us.

1.4 Accuracy

Whilst we take reasonable commercial steps to ensure that all information contained in our website is accurate and free from error, we do not warrant the accuracy, adequacy, or completeness of information on our website, nor do we warrant our website will function as intended or be uninterrupted. All information is subject to change without notice. 

Some of the information on our website, for example blogs or informational articles, will, by the nature of the information, be time sensitive. If this information is important to you, you should seek external updates before relying on the information. 

We do not guarantee that our website, or websites of those linked to our website, will function as intended, be uninterrupted, or will be free from viruses. We also take no responsibility for information provided by third parties, for example posts to our social media sites.

1.5 Indemnity

Should you do anything in breach of these Terms of Use, you agree to indemnify us in respect of any liability incurred by us for any loss or damage that we may suffer or any costs that may be incurred arising from your breach.

1.6 Website Links

Within our website, there may be links to other websites or applications which are owned and operated by entities that are independent of Youi.

These links are provided for your convenience only. We do not approve, sponsor or endorse these websites, nor information, services, text, graphics, or data which is contained within their websites. We do not accept responsibility for any malicious activity, inaccuracy in information or representations made on those websites and we will not be liable for any loss that may be suffered as a result of using those websites.

1.7 Restrictions on Use

In using our website, you agree that you will not either directly or via any third party:

• use our website for any other purpose, other than as a legitimate customer, potential customer or Youi authorised service provider or for a non-commercial purpose unless authorised by us;
• take any action which may disrupt access to; cause damage; or interfere with; the proper operation of our website;
• take any action that places an unusually large load on the infrastructure of; or bandwidth connecting to; our website;
• take any action that includes the use of any data accumulation tool, scraping, robot or spider to compile, disseminate, extract, process, monitor, or copy any web pages from our website, whether for AI learning or other purposes, inclusive of any information, data, graphics or content contained within our website, without our prior written consent;
• take any action that involves decompiling, reverse engineering, reverse assembling, attempting to reveal source code or other processes or formulas, connected with our website software;
• copy, reproduce, alter, modify, or display in public any part or content from our website, without our prior written consent;
• link any part of our website without our authorisation and written permission.

 

1.8 Tools and our Website Features

We may make available on our website tools or information features, for example valuation tools, calculators, comparison tools, premium tools, infographics, interactive elements or general insurance information tools (‘Tools’). While we take reasonable commercial steps to ensure Tools operate correctly and are up-to-date and relevant, we do not warrant the accuracy, relevance, completeness, or usefulness of these Tools for your use or for any persons use. The use of Tools on our website is entirely at your own risk. Any Tools we make available produce general information only and do not take into account all of your individual circumstances.

1.9 Intellectual Property

Copyright on the services, information, text and graphics on our website is owned or licensed by Youi or has been reproduced by Youi with the necessary recognition to the owner.

No part of our website, inclusive of information, services, text and graphics, and other data may be reproduced, stored, modified, adapted, uploaded to another location, and produced for display in public in any form without our prior specific written consent.

"Youi", our logos and various of our regularly used phases, are trademarks of Youi Pty Ltd.

1.10 Jurisdiction

The law applicable to our website and to disputes arising out of our website is the law of the state of Queensland, Australia. By using our website you irrevocably submit to the jurisdiction of the courts of the state of Queensland, Australia and any courts which have jurisdiction to hear appeals from such courts. 

1.11 Social Media Sites

You acknowledge and accept that certain parts of our website function as a social media site, for example social media platforms managed by Youi, and that information and content you submit to these areas may be freely visible to other website users.

You acknowledge that we may, but are not obliged to, screen the content that is submitted to our website. By using our website, you:

• grant us the right, by way of a non-revokable, perpetual and worldwide license, to use, reproduce, modify or publish across any media any content, or parts of content, you submit, without compensation or restriction of use;
• acknowledge that you are fully responsible for the content you submit and that we will not be liable in any way for the content and will not be deemed to have authorised or endorsed the content; and
• warrant you will not submit any content that is unlawful, fraudulent or that may breach intellectual property rights or privacy law, will not defame any person, is not obscene, derogatory or racist.

2.0 Terms of Use specific to consumers

2.1 Product Information

We only provide factual and sometimes general information on our website about our product and services. If you are considering purchasing a product or service, you should ensure that you read and understand the relevant Product Disclosure Statement ("PDS") and Target Market Determination (available on our website). Our website also enables you to purchase and pay for insurance products and services and administer your insurance policy online. The factual information provided on our website does not form part of any policy or Product Disclosure Statement issued by Youi unless specified.

2.2 No Advice

Our website does not provide you with any personal financial product or investment advice of any kind. All information provided on our website is general advice only and does not take into account your personal circumstances, objectives, financial situation or needs. You should always seek independent advice before acting upon any of the information contained on our website or any external links within our site.

2.3 Electronic Transactions

Our website may enable you to make certain transactions online, whether this relates to you purchasing a policy, administering your policy, or any other transaction. These transactions will not be complete until we have received and processed your confirmation.

Your confirmation means any communication issued or transmitted by you to us via our website or other electronic means, containing your acceptance in relation to our offer, or your confirmation of payment, whichever is applicable.

Your confirmation of any payment may not be received by us for reasons inclusive of mechanical, software, computer, telecommunications, or electronic failure, or the omission or failure of other providers or systems, which are outside of the control of either party. You acknowledge that we are not liable to you in any way for loss or damage at all and however caused, directly arising out of; or indirectly in connection with the transmission of; your confirmation to us.

2.4 Purchasing a Policy

You can create a valid and binding insurance policy with us and there is a three-step process:

1. We create a provisional quote based on the information you provide for the insurance product you are interested in and have selected. If you exit our website, your provisional quote information can be saved at this time. Your quote and the information you provide will be stored for a period of up to thirty (30) days. We will email you a link back to our website, which allows you to return to your quote and complete all required information; or alternatively, if you consent, we will contact you by telephone to assist in further completion of your quotation and where you have agreed to purchase a policy, we will create a policy for you.
2. Upon completion by you of all the relevant information you will be asked to confirm the information you have provided. Once you have confirmed the information you have provided, a summary of your quote is displayed. Your quote will remain valid and accessible on the secure web page for a period of up to thirty (30) days from the date the quote process was started.
3. If you wish to purchase the insurance product in accordance with the provisional quote provided to you by us via our website, you will be required to answer further questions. Upon successful completion and acceptance by us of those questions, you may then accept that quote by pressing the “Buy now” button on our website. To create a valid and binding insurance policy with us, you are required to select a payment method and provide your nominated account details for direct debit premium deduction. You will then be provided with a Youi policy number, Policy Schedule and PDS.

You may be contacted either by email, sms, telephone (if you consent) or all three (3) at any stage during the online quote process to finalise your quote. Our sales advisors will assist in answering any questions you may have in relation to the quote. They will provide factual information about the product for which you have requested a quotation, and in certain instances they may also provide general advice.

The insurance policy has been entered into by the process of:

1. our offer of insurance being made via our website electronically; and
2. your confirmation to us of your acceptance of that offer via our website or by telephone.

We are under no obligation to determine the authenticity or investigate whether authority has been provided for persons who have transmitted or issued electronic confirmations through our website. We may act on and process all completed confirmations transmitted or issued through our website without further consent from, or reference to you.

When entering into an insurance policy with us via our website, your acceptance of our offer of insurance will have been taken to have been communicated when:

1. your confirmation containing your acceptance is received and processed by us; and
2. we receive all required details of a current and valid credit card or nominated bank account number which you are authorised to use, and which is of a suitable type for us to charge premium to, or collect premium from, whichever is applicable; and
3. Youi policy number is generated and issued to you.

By entering these details and using our website, you further agree that we are authorised to use the bank account or credit card details provided, for the purpose of collecting either an annual or periodic payments depending on the payment method you have selected, and to continue to use these to effect renewal of your insurance policy, unless you instruct us not to do so.

2.5 Issuing a Policy

Your insurance policy is only valid, when we are able to:

1. successfully charge against your nominated credit card or direct debit from your nominated bank account; and
2. we receive payment of your applicable premium (either by a single payment or where permitted in instalments).

A Youi policy number, Policy Schedule and PDS will be issued to you via email. You must provide us with and maintain a valid email address and phone number that you have regular access to and that we can reach you on. Any failure by you to receive a Youi policy number, Policy Schedule and PDS via our website does not invalidate the existence of an insurance policy or transaction entered into using our website. Please contact us immediately if you do not receive a Youi policy number, Policy Schedule and PDS following your transaction.

Our offer and your acceptance of that offer, together with your payment constitutes the contract of insurance and your insurance policy with us.

2.6 Making a Renewal Payment

We will provide notification regarding the renewal of your insurance policy at least fourteen (14) days prior to the expiry date of your contract period. Where offered, Youi policies renew automatically. If this is the case with your policy, we’ll continue to debit the premium on the renewed policy from the payment information you’ve provided. If you'd prefer for your policy to not renew automatically, you can opt out at anytime by calling us. Should you wish to change your payment method, credit card or nominated bank account details, you can do so by visiting our website and using our online policy manager.

Your renewed insurance policy will only be valid upon us being able to:

1. successfully charge against your nominated credit or debit card or from your nominated bank account; and
2. receive payment of all applicable renewal premiums due for the policy being renewed (either in a single payment or where permitted, by instalments).

Our offer of renewal and your acceptance of that offer, together with your renewal payment constitutes your contract of insurance and your insurance policy with us.

2.7 Online Client Portal

You are able to perform certain transactions and make certain policy amendments via Youi’s Client Portal.

The Client Portal is accessible when you log in by providing your Youi policy number and password. You must not provide details of your Login to any other person or allow any other person to use your Login. You must not use the Client Portal to access or modify the details of any other person’s insurance policy without their clear authority to do so. Any information provided to us via the Client Portal will be taken as information provided by you and we may act on and process all completed confirmations transmitted or issued through the Client Portal without further consent from, or reference to you.

2.8 Standard terms and acceptance criteria

All applications for insurance products made by our website are subject to and must comply with Youi’s normal acceptance criteria unless otherwise specified and are governed by the normal terms and conditions applying to each product or service requested. The terms and conditions of our insurance products are set out in either the relevant PDS, policy wordings or both, which you should refer to before making a decision to purchase, hold or cancel an insurance policy.

 

3.0 Terms of use specific to Youi service providers

As a Youi authorised service provider, you may be provided with access to the service provider portal. If you are provided with access to the service provider portal you acknowledge and agree that:

• you are solely responsible for all activities that occur on your service provider portal account;
• your password to access the service provider portal is confidential;
• you will keep your personal details and other information in your service provider portal up to date;
• nothing within these terms of use replace or vary the service level agreement that you have agreed with us;
• you will comply with Youi’s Privacy Policy and the Australian Privacy Principles when handling any personal information we provide to you.

 

4.0 Contact Us

If you have any questions relating to the Terms of Use or any other aspect of our website, please contact us via email info@youi.com, telephone 13 YOUI (9684), or from the contact us section on our website.

 

© Youi Pty Ltd

Youi Website Terms of Use

Prepared 29 May 2024