Disclaimer and Limitation of Liability

Certain statutory warranties or guarantees under consumer protection laws will be implied or included in these Terms for the benefit of consumers which cannot be excluded. Nothing in these Terms excludes, modifies or restricts the application of such laws but Guild Insurance Limited and its related bodies corporate do not give any guarantee or warranties or make any representation of any kind, express or implied, with respect to use of this website outside of these non-excludable warranties and guarantees.

Except for claims available under consumer protection laws and any other responsibilities which cannot legally be excluded, restricted or modified:

• Guild Insurance Limited and its related bodies corporate are not liable to you or anyone else (including for negligence or tort) for any loss, cost, expense or damage (including specific, indirect, consequential or economic loss) however caused and which is suffered directly or indirectly in connection with the use of this website;
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• Guild Insurance Limited and its related bodies corporate are not liable for disruptions to this website; and
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• Guild Insurance Limited and its related bodies corporate are not liable to you or anyone else if interference with or damage to your computer systems occurs in connection with use of this website or an external site. You must take your own precautions to ensure that whatever you select for use from this website is free of viruses or anything else that may interfere with or damage the operation of your computer systems.

To the extent permitted by law, the liability of Guild Insurance Limited and its related bodies corporate for breach of any term, condition, warranty or guarantee implied or included in these Terms by any consumer protection law that cannot legally be excluded, modified or restricted, is limited, at the option of Guild Insurance and its related bodies corporate to reperforming the obligation or paying for the reperformance of the obligation in respect of which the breach occurred.

Applicable Law

These Terms are governed by the law in force in the State of Victoria in the Commonwealth of Australia, and the parties irrevocably submit to the non-exclusive jurisdiction of the courts of Victoria and any courts which may hear appeals from those courts for the purpose of determining any dispute arising in connection with this website.

You should review the Terms each time you intend to use the website, as these Terms may be modified at any time by Guild Insurance Limited. Your continued use of the website will mean you accept these Terms as modified.

If the whole or any part of the Terms and Conditions is void, unenforceable, or illegal within a jurisdiction, it is severed for that jurisdiction. The remainder of the Terms and Conditions have full force and effect and the validity or enforceability of the severed provision in any other jurisdiction is not affected. This clause has no effect if the severance alters the basis nature of these Terms or is contrary to public policy.

Website Availability

Guild Insurance Limited may withdraw, restrict, alter or modify the website at any time without notice to you.

Intellectual Property

The material contained on this web site is protected by copyright. Except where necessary for or incidental to viewing the information, or as permitted under the Copyright Act 1968 (Clth) or other applicable laws, no material or information on this website may be reproduced, adapted, communicated, transmitted, uploaded to a thirdparty location, stored in an electronic or other retrieval system, linked to, framed, published, performed in public, distributed or transmitted in any form by any process whatsoever, without the knowledge and express written consent of Guild Insurance Limited.

Trade marks (whether registered or unregistered) and logos of Guild Insurance Limited or its related bodies corporate must not be used, copied or modified in any way without obtaining the prior written consent of Guild Insurance Limited. Trade marks of third parties used in, viewed at or accessed via the Acerta website are owned or controlled by those third parties.

The website, products, technology and processes contained in this website may be the subject of other intellectual property rights owned by Guild Insurance Limited or its related bodies corporate or by third parties. No licence is granted in respect of those intellectual property rights other than as set out in these Terms.

Your use of this website must not in any way infringe the intellectual property rights of any person.

Linking to the Acerta Website

You may not link (in whole or in part) the Acerta website to any other website without Guild Insurance Limited's prior written consent. Please contact Guild Insurance Limited if you would like to link to any part of the Acerta website.

Underwritten by Guild Insurance Ltd AFS Licence No. 233791