Terms and Conditions

Prosura.com

Terms and Conditions of Use

Effective Date:

Welcome! By accessing or using our websites ( www.prosura.com or hiccup.com.au), you agree to comply with these Terms and Conditions of Use. Please read them carefully. If you do not agree, you must not use our website.

1. General Information

1.1 This website is operated by Prosura Pty Ltd, registered in Australia, ABN 59 638 142 720.

1.2 You can contact us via email or by phone using the details provided on this page: https://prosura.com/contact-us/

2. Acceptance of Terms

2.1 By accessing, browsing, or using this website, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions, our Privacy Policy, and any other notices posted on this site.

2.2 If you are using this website on behalf of a business or entity, you represent that you have the authority to bind that entity to these Terms and Conditions.

3. Use of Website

3.1 You agree to use this website only for lawful purposes and in accordance with these Terms and Conditions.

3.2 You must not:

(a) Engage in any activity that violates applicable Australian laws or regulations,
(b) Use the website in a way that disrupts, damages, or impairs the functionality or security of the website or any of its services, or
(c) Post or transmit any harmful, offensive, or unlawful content.

3.3 We reserve the right to suspend or terminate your access to the website if you breach these Terms and Conditions.

4. Intellectual Property

4.1 All content on this website, including text, images, graphics, logos, videos, software, and design, is owned by or licensed to Prosura. It is protected by Australian copyright, trademark, and other intellectual property laws.

4.2 You may view, download, or print content from the website for personal and non-commercial use only. Any other use, including reproduction, modification, or distribution, requires prior written permission from Prosura.

5. User-Generated Content

5.1 If you submit any content (e.g., reviews, comments, or uploads) to the website, you grant Prosura a non-exclusive, royalty-free, perpetual, and worldwide license to use, reproduce, and modify your content for any purpose.

5.2 You warrant that any content you submit does not infringe on the rights of others or violate any laws.

6. Third-Party Links and Services

6.1 This website may contain links to third-party websites or services. These are provided for your convenience, and we do not endorse or control their content or practices.

6.2 We are not responsible for any loss or damage resulting from your use of third-party websites or services.

7. Disclaimer and Limitation of Liability

7.1 Disclaimer:

Any information, discussion and/or resource contained on this website has been prepared with the utmost care and good faith at the time of publishing. We do our very best to ensure that materials are current, up to date and in keeping with our product offering at the time of publishing, but some historic material on this site may contain references to older offerings. Accordingly, we do not represent or warrant that all material on this site is relevant to our current product offering.

A secure payment gateway is used to process all transactions and card details; we don’t store these details. We do not give any warranty or make any representation regarding the strength or effectiveness of the secure payment gateway.

You acknowledge and agree that our and providers’ systems are not free of faults, and Site downtime may occur. Sites may become unavailable due to planned or unplanned maintenance or circumstances beyond our control, including without limitation acts of third party telecommunications service suppliers or acts of God.

We do not warrant that the Site will function correctly or at all, be operational and/or free of interruption, delays or faults.

7.2 Limitation of Liability:

To the fullest extent permitted by law, [Company Name] will not be liable for any loss or damage, including but not limited to direct, indirect, incidental, or consequential losses, arising from your use of the website or reliance on its content.

7.3 Nothing in these Terms excludes or limits your rights under Australian Consumer Law.

8. Privacy

8.1 Your use of this website is subject to our Privacy Policy https://prosura.com/privacy-policy/ , which outlines how we collect, use, and store your personal information.

9. Changes to Terms

9.1 We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on the website.

9.2 It is your responsibility to review the Terms regularly. Continued use of the website constitutes acceptance of any changes.

10. Governing Law and Jurisdiction

10.1 These Terms and Conditions are governed by and construed in accordance with the laws of the State of Queensland, Australia.

10.2 Any disputes arising from these Terms will be subject to the exclusive jurisdiction of the courts of Queensland, Australia.

11. Contact Us

If you have any questions about these Terms and Conditions, please contact us at: https://prosura.com/contact-us/

Company

Product

For rentals in Australia, or for Australian residents travelling in foreign countries:

Prosura Rental Vehicle Excess Travel Insurance Products are issued by Pacific International Insurance Pty Ltd ABN 83 169 311 193 (‘Pacific’). Prosura Pty Ltd ABN 59 638 142 720, Australian Financial Services Licence Number 530275, (‘Prosura’), has been authorised by Pacific to enter into policies and deal with them, as the agent of Pacific. Prosura does not act as your agent. Any advice provided by Prosura is general and does not take into account your objectives, financial situation or needs. Before making a decision please consider the Product Disclosure Statement and Financial Services Guide and the Target Market Determination. If you purchase a policy, we receive a commission which is a percentage of your premium - ask us for more details.

For rentals in New Zealand by all residents (except for Australian residents):

We do not provide financial advice and do not make any recommendations or representations about the superiority or suitability of this product. You should consider obtaining independent advice before making any financial decisions. We will receive a commission if you choose to purchase a policy via this website.

Prosura Rental Vehicle Excess Insurance is underwritten by Pacific International Insurance Pty Ltd NZBN9429041356500, FSP394846 ('Pacific'). You should consider the Policy Wording before making any decisions about this insurance policy. Terms, conditions, limits, and exclusions apply. For information regarding Pacific's financial strength and solvency, please visit www.pacificins.co.nz/financial-strength-solvency. Pacific is regulated by the Reserve Bank of New Zealand (RBNZ).