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Website Terms of Use

Welcome to the ARAG Australia website at, which is provided by ARAG Services Australia Pty Ltd ACN 627 823 198 (“ARAG Australia", “we”, or “us” or “our”).

These website terms and conditions of use (together with the documents referred to in it) (“Terms”) apply to your use of the website, so it is important that you read and understand them. Use of our website includes accessing, browsing, or registering to use our website.

Your use of this website or registration of an account with us constitutes acceptance of these Terms and if you do not agree to these Terms, then you must not use this website.

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Your use of this website is also governed by our privacy policy, available at (“Privacy Policy”) and any other relevant agreement specific to the products and/or services we provide you.

ARAG Australia reserves the right to change these Terms from time to time, and any updated or amended Terms will apply to your use of our website from the date on which the modified Terms are published on this website. It is your responsibility to read and understand these Terms, and to review any updated Terms when they become available.

These Terms are governed by the laws in force in New South Wales, Australia. You irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of New South Wales, Australia and any courts which may hear appeals from those courts.

Your Account and Registration

You do not need to open an account with us to use our website.

However, to access our document centre, you must open an online account by completing your registration details in the manner described on the website or as otherwise notified to you by us from time to time (“Account”)

You are responsible for all usage of your Account including any use of your Account by others or any unauthorised use. You must immediately advise us if you become aware of unauthorised use and although we will not be liable for any loss you suffer because of unauthorised use of your account, you will be liable for any loss we suffer. Your user name and password for your Account must be kept confidential, and you must ensure that your registration details are true and accurate at all times.

You agree that ARAG Australia may suspend, terminate and/or close your Account at any time, for any reason in our sole and absolute discretion, and without any liability to you. Upon terminating and/or closing your Account, or during any period of suspension, you will not be permitted to use any features or functionality of the website which is reserved for registered users.

Licence and Restrictions on your use of this Website

You represent and warrant to us that you will use this website only in accordance with these Terms.

ARAG Australia grants you a limited, non-exclusive, non-transferable, revocable, royalty-free licence to use the website in accordance with these Terms.

You agree to use the website solely for your own personal, non-commercial use, unless otherwise approved by ARAG Australia in writing, and regardless of whether you register for an Account, you agree not to:

interrupt or attempt to interrupt the operation of the website in any way, or use the website in a manner that adversely affects the availability of its resources to other users;
use the website for any illegal purpose or in any manner that is inconsistent with these Terms;
access data or any part of the website that is not intended for you or which you are not authorised to access, or attempt to obtain goods or services to which you are not entitled;
modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from or offer for sale any information contained on, or derived from the website;
transfer or sell any information, functionality or products or services offered on the website, or represent that you are entitled to do so;
pretend that you are, or represent, someone else;
probe, scan or test a system or network to breach security or authentication measures;
track or monitor any content, user, or website functionality without our written authorisation;
impose an unreasonable load on our systems or Networks; or
supply any content that: (a) would cause you or ARAG Australia to breach any law, regulation, rule, code or legal obligations; (b) is or could reasonably be considered to be obscene, inappropriate, defamatory, disparaging, indecent, seditious, offensive, pornographic, threatening, abusive, liable to incite racial hatred, discriminatory, blasphemous, in breach of confidence or in breach of privacy; or (c) could infringe any person’s rights, including their intellectual property rights.

If we believe that you have not complied with these Terms at any time, we may immediately cancel or terminate your access to this website, or restrict your use of the website, and you agree that we may do so without prior notice to you and without liability to you or anyone else.

Your Content

Nothing in these Terms affects the ownership of any words, images, information or other materials that you post or submit to the website, or otherwise provide to us (“Content”). By providing Content to us, you:

represent that any information comprising the Content is true and correct;
acknowledge that ARAG Australia will rely on that information in entering into any agreement or transaction with you;
promise that you own or have the right to use any Content that you submit on or via the website, and that use of your Content on or via the website will not infringe anyone else’s rights; and
you give us a world-wide, non-exclusive perpetual, irrevocable, royalty-free licence to use, publish, reproduce, modify and communicate your Content for the purpose of operating the website and the ARAG Australia business, including by providing our products or services to you.

Your Content will only be made publicly available if you post it in a public place on the website.

We may edit, modify, delete, remove or take down any Content which we believe (in our sole discretion) is in breach of these Terms, without notice to you and without us incurring any liability.

Our Content

Everything on this website (excluding your Content) is either owned by us or is licensed to us. This includes the design, compilation and look and feel of this website, all copyright, trademarks, designs and other intellectual property displayed on or incorporated into the website. We also own or are licensed to use the trade marks, logos and business names and domain names used in connection with the website and ARAG Australia business (unless otherwise stated), (together, ARAG Australia IP).

We give you a non-exclusive, revocable, world-wide, royalty-free licence to access, use, and download the ARAG Australia IP to the limited extent required to access and use our website, including communicating with us and using or purchasing our products or services, in accordance with these Terms, provided such printing, copying, downloading, reproduction, distribution or use is not for a commercial use.

You must not copy, reproduce, adapt, transmit or distribute any of our content or use the ARAG Australia IP in any way not expressly stated in these Terms (or otherwise allowed by law).

Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete or up-to-date.

No Advice

The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. Our website and the content does not take into account your particular financial, legal or insurance position or requirements.

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 policy document (available on our website).

The resources provided on this website are not a substitute for the advice of your broker, financial or legal adviser. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our website.

Our Liability to You

We do not promise that the content on this website (or your access to it) will be uninterrupted or error‑free, that any defects will be corrected, or that the website or content are free of viruses or any other harmful components. We make no promises regarding correctness, completeness, reliability or otherwise regarding your access to the website or content or your use of it. We are not liable to you for any loss claimed or incurred by you or others as a result of any lack of availability of Access to this website.

You acknowledge and agree that, subject to the non-excludable provisions of the Australian Consumer Law (Schedule 2 of the Consumer and Competition Act 2010 (Cth)) (“Australian Consumer Law”), any other non-excludable term implied by law, this website and the content are provided on an "as is" basis without warranties of any kind, either express or implied, and ARAG Australia excludes all warranties, representations, and liability of any kind (including in negligence) in connection with the website, or the content of this website.

You also agree that ARAG Australia and its related entities will not be liable to you in respect of any claim by you (whether contractual, tortuous, statutory or otherwise) for any economic loss, loss of profit, business, goodwill, revenue, customers, capital, reputation, data, anticipated savings or benefits or any other damages such as indirect, incidental, special, punitive, consequential or similar damages arising from your use of this website or the provision of our Products and Services under these Terms and whether as a result of any breach, default, or negligence by ARAG Australia.

To the extent permitted by law, we exclude all liability to you or anyone else for loss or damage of any kind (however caused or arising) relating in any way to the website or its use or the services provided including, but not limited to, loss or damage you might suffer as a result of:

errors, mistakes or inaccuracies on the website;
you acting, or failing to act, on any information contained on or referred to on our website and/or any linked Website;
personal injury or property damage of any kind resulting from your access to or use of the website;
any unauthorised access to or use of the website;
any interruption or cessation of transmission to or from the website; and/or
any bugs, viruses, trojan horses or other harmful code or communications which may be transmitted to or through the website by any third party.

If the Australian Consumer Law applies and to the extent any liability of ARAG Australia cannot be excluded, ARAG Australia limits that liability, to the maximum extent permitted by law, (at our election) to:

the supplying of the services again; or
the payment of the cost of having the services supplied again.

The maximum liability of ARAG Australia to you for any matter which cannot otherwise be excluded or limited in accordance with these Terms, is limited to the total fees paid to us by you in the 12 months preceding the claim except where no fees and charges are paid by you to us, in which case ARAG Australia’s liability is limited to $10.

Your Liability to Us

You are liable and solely responsible for:

any Content you submit via the website;
your breach of anyone else’s intellectual property rights;
your breach of these Terms or any applicable law; and
any claim, action, demand or proceedings instituted against ARAG Australia as a result of your use of our website.

You agree to indemnify ARAG Australia (including our directors, officers, employees, contractors, assigns, and related bodies corporate) (“ARAG Australia Parties”) from and against any and all claims (including in negligence), liabilities, costs, expenses (including legal fees) and loss suffered or incurred by the ARAG Australia Parties and arising in any way from any of the matters set out in the first bullet point above.

We reserve the right, at our own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with our defence of such claims.

Use of the Site Outside of Australia

ARAG Australia does not represent that the contents of the website are appropriate or available for use in countries outside Australia. If you choose to access the website from outside Australia, you are responsible for compliance with foreign and local laws.

Third Party Links

You are not allowed, without our prior written consent, to frame, deep link, mirror or retransmit any part of the website or its content, or quote or use whole or parts of the website or its content in a third-party website. If you are interested in linking to our website, please contact us via email at .

This website may contain links to other websites which are owned by third parties, such as our partners, service providers, and supporters. These links are provided solely for your convenience and are not an indication that ARAG Australia endorses the products or services that are provided by that website.

ARAG Australia recommends you review the terms & conditions and privacy policy of any third-party websites you visit and when accessing third party sites and using those products and services you agree and undertake to do so at your own risk.

Contact Us

Please feel free to contact us if you have any questions about these Terms.

ARAG Services Australia Pty Ltd
PO Box Q94
Queen Victoria Building, NSW, 1230

Copyright Notice

Copyright © ARAG Services Australia Pty Ltd. All rights reserved. Any rights not expressly granted herein are reserved. If you have any questions or comments about the site, please contact us at .

ARAG Services Australia Pty Ltd (ABN 14 627 823 198) (ARAG) has been granted delegated authority by the Insurer to enter into, vary or cancel Policies and handle Claims on their behalf. In providing these services, ARAG acts on behalf of the Insurer and not as Your agent. ARAG is authorised to provide financial services in accordance with its Australian Financial Services Licence (AFS Licence number 513547). Any advice provided by ARAG in relation to this product is general in nature and does not take into account Your individual circumstances.
The Insurer is detailed in your policy documents.

All enquiries should be addressed to ARAG.

Any advice contained on this website is general advice only and has been prepared without considering your individual objectives, financial situation or needs. Before purchasing or renewing a product we recommend that you consider if it is suitable for your circumstances and read the policy terms and conditions.