Access to and use of the www.ktinsurance.com.au website and the products and services available through this site are subject to the following terms of use. By using this website you are agreeing to be bound by these terms of use.

‘our’, ‘us’, ‘we’ refers to to Lifestyle Insurance Group ABN 48 057 816 172 AFSL 246937 trading as KT Insuranceof Tower, 1 Level 5, 55 Plaza Parade, Maroochydore, QLD, 4558, Australia. The words ‘you’ and ‘your’ refer to users of this public website.

The information in this site is a summary only. Any material concerning legal rights and responsibilities should be consulted. The information shown on this website may change due to certain circumstances and as a result of this it may at times be inaccurate or incomplete. We will take reasonable care in producing this information. However, to the extent permitted by law, we do not warrant the accuracy, adequacy or completeness of the information and excludes liability for any decision taken on the basis of information shown in or omitted from this website.

The material on this site is published by us and is intended for use in Australia. The site is not intended for use outside Australia. We make no claim that the information contained on this site is appropriate or may be downloaded legally outside Australia. If you access this website from outside Australia, you do so at your own risk and you alone are to be held responsible for compliance with the laws in your respective jurisdiction.

This site is a business and commercial site. It is, therefore, not intended for persons under the age of 18. If you are under 18, you should speak to your parents, your guardian, or a responsible adult and obtain their permission to use this site.

The information, materials and services contained on this site are provided to you ‘as is’, and ‘as available’. To the maximum extent permitted by law, unless otherwise specified, we disclaim all representations and warranties of any kind, whether express, implied or statutory. In addition, we do not warrant, guarantee or make any representations regarding the security of accounts, or that this site is free from destructive materials, including but not limited to computer viruses, hackers, or other technical sabotage.

We also do not warrant, guarantee or make any representations that access to this site will be fully accessible at all times, uninterrupted, or error-free.

Use of this site is solely to assist you with your decision to purchase insurance from us and/or to obtain information regarding our products, privacy statements, and any other insurance related information. We will provide quotes and information about our products however you are in no way authorised to repackage or copy the information you obtain from this website. By using this website you are agreeing to these conditions.

In using this website you are also acknowledging that the use of any data accumulation tool, spider, robot or screen scraper or any other tool used to copy and or extract any other information or content on this website and its pages, is prohibited. This also refers to reproduction of information, content or data on this site.

To the maximum extent permitted by law, we disclaim liability for any damages, including, without limitation, direct or indirect, special, incidental, compensatory, exemplary or consequential damages, losses or expenses, including without limitation lost or misdirected orders, lost profits, lost goodwill, or lost or stolen programs or other data, however caused and under any theory of liability arising out of or in connection with (1) use of this site, or the inability to use this site by any party; or (2) any failure or performance, error, omission, interruption, defect, delay in operation or transmission; or (3) line or system failure or the introduction of a computer virus, or other technical sabotage, even if we or our employees or representatives are advised of the possibility or likelihood of such damages, losses or expenses.

All trade names, brand names, trade symbols, logos, slogans, trademarks or service marks are trademarks or proprietary interests of KT Insurance. There are other trade names, brand names, trade symbols, logos, slogans, trademarks, service marks or company names indicated on the website that are the property of their respective owners.

This website may containa number of links to other internet sites which are operated by third parties. The provision of the link does not mean that we endorse or accept any responsibility for the content, use or products and services made available through the associated websites. By utilising these links, you acknowledge and agree that we are not responsible for the actions, content, accuracy, privacy policies, opinions expressed, services provided, goods sold, or other links provided by these sites. You further acknowledge and agree that we are not responsible either directly or indirectly for any damage or loss caused by use of or reliance on linked sites. Should you have any questions regarding these sites, you should address them directly with the relevant site administrator.

This agreement is governed by the laws in force in the state of New South Wales, Australia. Any dispute arising in connection with these terms of use or in connection with your use of this web site which cannot be resolved by good faith negotiations between you and ourselves shall be referred to mediation or to arbitration. We reserve our right to seek legal action against anyone who we believe has acted in breach of our terms and conditions. This will be at our discretion and can commence before any mediation and or negation has been discussed.