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Terms & Conditions

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Legal Disclaimer

Terms & Conditions of Use of our Website & Access to Information contained on our site

Welcome to our website.

If you continue to browse and use our website, you agree to comply with and be bound by the terms and conditions of use, which, together with our privacy policy, govern our relationship with you regarding this website.

“Our” refers to E-Quine Insurance Services Pty Ltd, the owner of the website. “You” refers to the user or viewer of our website.

Accuracy of information

Our website contains information, files, documents, pages and images gathered or prepared by E-Quine.

All material posted on E-Quine’s website is collected with care, provided in good faith and is derived from sources believed to be accurate and current as at the date of publication. As we rely on information sourced from third parties, it is important to remember that you use our website entirely at your own risk. Unless expressly stated otherwise, we do not offer or make any representation, guarantee or warranty that any material will be reliable, accurate, suitable or complete or that your access to our website will be uninterrupted, timely or secure.

We will not accept responsibility or be liable for any damage, loss or expense resulting from any errors in or omissions from the material on our website, nor any action or decision by you in reliance on the material posted thereon, nor any interruption, delay in operation or transmission, virus, communications failure, internet access difficulties, or malfunction in equipment or software.

General information – non advisory

The material posted on our website is for your general information and use only. It is not intended as advice and must not be relied upon as such. The material has not been prepared by taking into account your specific personal objectives, needs or circumstances, insurance requirements or financial situation. It is your responsibility to ensure that any services, products or information meet your specific requirements and are appropriate to you. You should make your own inquiries and if necessary seek independent professional advice tailored to your specific circumstances before making any decisions.

The content of our website is subject to change without notice.

Copyright & intellectual property

This website contains material which is owned by or licensed to us. Except for the temporary copy held in the computer’s cache and a single permanent copy for your personal reference, the material may not otherwise be used, copied, reproduced, published, distributed, sold or resold, stored in a retrieval system, altered or transmitted in any form or by any means in whole or part or otherwise disseminated to others without our prior written approval.

Unauthorised use

Unauthorised use of our website may give rise to a claim for damages and constitute a criminal offence.

Reference material, specimen forms & sample documents

Material posted on our website is general information only and cannot be relied upon as being automatically included in any contract of insurance that is finally concluded. Terms and conditions, including extensions, vary among insurers. It is important that you consult the policy document or contract of insurance to satisfy yourself that it contains all the terms, conditions and extensions that you require and that it is appropriate to you. All references in the website to "dollars" or "$" relate to Australian dollars unless specifically stated otherwise.

Links to third party or other websites

Our website contains hyperlinks to websites operated by other entities and providers. Links to these third party websites are provided in good faith, for your convenience to further access industry related and helpful information. We have no responsibility for or over the content of any linked websites and our references to these sites should not be construed as our endorsement or recommendation of those websites, its proprietor, their products or services. You link to third party websites entirely at your own risk. 


Your use of our website and any dispute or action arising out of such use is governed by the laws of the Commonwealth of Australia and the State of New South Wales.

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