Terms of Use
(Merit Life Pty Ltd – meritlife.com.au)
1. Acceptance of Terms
By accessing or using meritlife.com.au (“Website”), you agree to be bound by these Terms of Use. If you do not agree, you should not use this Website.
2. Purpose of the Website
This Website provides general information about the services offered by Merit Life Pty Ltd, including life insurance advisory services.
The content is intended for informational purposes only and does not constitute personal financial advice.
3. General Advice Disclaimer
The information available on this Website is general in nature and does not take into account your individual objectives, financial situation, or needs.
You should obtain independent financial advice before making decisions based on this information.
4. Permitted Use
You may use this Website for lawful purposes only. You agree not to:
- Use the Website in any way that is unlawful or fraudulent
- Attempt to gain unauthorised access to any part of the
- Website or its systems
- Interfere with the Website’s functionality or security
- Use automated systems (e.g. bots, scraping tools) without permission
5. No Guarantee of Outcomes
Merit Life Pty Ltd does not guarantee:
- Approval of insurance applications
- The terms, pricing, or availability of insurance products
- Any specific financial or personal outcome
All outcomes are subject to insurer assessment and underwriting criteria.
6. Accuracy of Information
We aim to ensure that the content on this Website is accurate and up to date. However, we do not warrant that:
- The information is complete or current
- The Website will be free from errors or interruptions
Content may be updated or changed without notice.
7. Third-Party Links
This Website may include links to external websites. These links are provided for convenience only.
Merit Life Pty Ltd does not control and is not responsible for the content, accuracy, or privacy practices of third-party websites.
8. Intellectual Property
All content on this Website, including text, graphics, branding, and layout, is owned by or licensed to Merit Life Pty Ltd and is protected by intellectual property laws.
You may not reproduce, distribute, or modify any content without prior written consent.
9. Limitation of Liability
To the extent permitted by law, Merit Life Pty Ltd is not liable for any loss or damage arising from:
- Use of, or reliance on, information on this Website
- Inability to access the Website
- Any errors or omissions in the content
10. Privacy
Your use of this Website is also governed by our Privacy Policy.
11. Website Availability
We do not guarantee that the Website will be available at all times or free from technical issues. We may suspend, withdraw, or modify the Website at any time without notice.
12. Changes to These Terms
We may update these Terms of Use from time to time. Continued use of the Website constitutes acceptance of any updated Terms.
13. Governing Law
These Terms of Use are governed by the laws of New South Wales, Australia.
14. Contact
For enquiries regarding these Terms of Use:
Website: https://meritlife.com.au
Email: [Insert Email]