Terms of Use

Last updated: February 2023


Welcome to the upcover Pty Ltd ABN 17 628 197 437 (upcover) website. upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).

upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”) and Mercurien Insurance Pty Ltd ABN 68 150 845 177,  AFSL No 480284 (“Mercurien”). upcover is authorised on behalf of Armada, ProRisk, and Mercurien (its “insurance partners”) to distribute insurance products. Upcover acts as an agent of its insurance partners. Both Armada and ProRisk are related parties with one another and share a common shareholder. This website is made available to provide visitors with information and material about the products and services of upcover’s insurance partners and insurers.

A. You agree to our terms of use

By accessing or using this website, web pages or links to other related websites, you agree to the terms of use of our website. The terms of use include our legal disclaimer and our privacy statement and any other terms or conditions on this website. We may change the terms of use at our discretion and without notice. By continuing to use our website you accept the terms of use as they  apply from time to time. A copy of our current terms of use is displayed on our website at all times. This disclaimer is in no way limited or altered by any other terms or conditions on this website.

B. Use of this website

Neither upcover or its insurance partners or insurers, are responsible in any manner for direct, indirect, special or consequential damages, however caused, arising out of your use of this website, web pages, links and/or any web browser, including any damages you may suffer if you transmit confidential or sensitive information to us via our website or linked websites or if we communicate such information to you at your request over the Internet. Links to other websites from this website are for convenience only. No endorsement of any third party products, services or information is expressed or implied by any information, material or content referred to or included on, or linked from or to this  website.

C. Website material not broker or risk manager advice

Your use of this website or the receipt of any information from us on this website is not intended to create nor does it create a broker/risk manager relationship between you and upcover. The content, including links to other sites and publications, on this website is not intended to constitute comprehensive insurance or risk management advice. You should seek individual advice or other professional advice before acting or relying on the content on this website.

D. Accuracy of information

The information and materials on this website, including text, graphics, links or other terms are accurate at the time of publication on this site. upcover or its insurance partners, insurers, do not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. Except as may be required under statute, no warranty of any kind implied or express, including but not limited to the warranties of non-infringement of third party rights, title in, merchantability of or fitness for a particular purpose is given.

The information and material on this website is for informational purposes only and is not intended to provide insurance, risk management, legal, or other advice and should not be relied upon in that regard.

E. Intellectual property

Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this website may constitute trade names, registered or unregistered trade marks or service marks ("intellectual property") of upcover or its insurance partners or insurers,  or third parties. Intellectual property belonging to upcover, its insurance partners or insurers, are used under licence. However, the display of trade marks or intellectual property on pages on this website does not imply that a licence has been granted to any third party to use that intellectual property.

All information in this website is protected under the copyright laws of Australia, the United States of America, other countries or international treaty. Users of this website shall be entitled to copy any information for their own personal use but may not republish or reproduce any such information in any manner, including electronic reproduction by "uploading" or "downloading", without the prior written consent of upcover, its insurance partners or insurers, or the web page content owner. You may not copy, redistribute, reproduce or republish, in any form, any information found in the pages of this website.

Any unauthorised downloading, re-transmission, or other copying or modification of any intellectual property or other contents of this website may breach statutory or common law rights and will be subject to legal action for infringement.

F. Disclaimer of liability

upcover, its insurance partners or insurers make no warranties or representations about this website or its content. To the maximum extent permitted by law, any liability which may arise as a result of the use of this website, its content or the information on it is excluded. Where liability cannot be excluded, any liability incurred by upcover, its insurance partners or insurers, in relation to the use of this website or the content is limited as provided under the Competition and Consumer Act 2010 (Cth). upcover, its insurance partners or insurers, will not be liable for any indirect, incidental, special or consequential loss arising out of the use of this website, including loss of business profits.

While all care is taken to keep the website free of viruses, upcover, its insurance partners or insurers, make no warranty and disclaim any liability for any loss or damage arising whatsoever concerning the presence of viruses that may exist or later populate the website, any web pages, links or web browsers.

Thanks for visiting our website. Have a question? Let us know – support@upcover.com