Terms and Conditions for Use of this Site

This website is owned and operated by Progressive Direct Insurance Company ABN 28 140 389 528 AFSL 342 902 (Progressive), and its related entities (Progressive Group). Your use of this site is expressly conditioned on your acceptance of these Terms of Conditions for Use and the Privacy Policy. If you do not agree with any part of the Terms and Conditions of Use or the Privacy Policy, you must not use this site. In addition to the Terms and Conditions of Use and the Privacy Policy, other terms of use or conditions may apply to your use of the Progressive website or to specific features or products available through the Progressive website. You will also be bound by these terms, as applicable. Progressive reserves the right to modify the Terms and Conditions of Use and/or the Privacy Policy at any time. Continued use of this site by you will constitute your acceptance of any revisions to the Terms and Conditions of Use or Privacy Policy. Please check this page regularly.

Electronic Documents

By obtaining a quote and buying insurance on the Progressive website, you agree to receive our Product Disclosure Statement by accessing the link on that website. Furthermore, by purchasing a Progressive policy, you agree that we may provide or make available, and you will receive or access, your insurance documents electronically. The following terms and conditions apply to your receipt, access and use of electronic insurance documents:

Documents You Will Receive Electronically

As permitted by law, you will receive or access all of your insurance documents electronically. There may be some insurance documents that we cannot deliver electronically due to legal and technological constraints or that we choose not to provide or make available electronically. These documents will be delivered to you via Australia Post to the last known postal address appearing on our records for you.

Hardware and Software Requirements

You will need access to the Internet and a valid email account. You will also need Adobe Acrobat Reader version 4.0 or greater to view, save and print your electronic insurance documents. Should we make changes to the hardware or software requirements such that you may no longer be capable of accessing or retaining your electronic insurance documents, we will inform you of the revised hardware and software requirements. You will then need to review the new requirements and ensure that you are able continue receiving, viewing and saving your electronic insurance documents.

Your Responsibilities

It is your responsibility to inform us of any changes to your email address. It is also your responsibility to keep your email account active and capable of receiving new emails. To do this, ensure that your email account has sufficient space for new emails and that your email server and spam blocking software do not block our emails. We are not responsible for problems arising from emails sent to an inactive or out-of-date email account, unless we are solely negligent for using an incorrect email address.

Accessing Your Electronic Documents

Your bills will be sent to you electronically. Except as otherwise required by law, we will also notify or present to you electronically (such as an email notice with a link to our website), when new insurance documents are available for you to review, print or save to your computer. It is your responsibility to log onto our website to view your documents.

Copyright / Trademark

Except where otherwise indicated, all materials contained in this website are the copyrighted property of Progressive Casualty Insurance Company, its affiliated companies and/or third party licensors. The Progressive logo, all other service marks, and the names of various products and services described within are service marks of Progressive Casualty Insurance Company or its affiliates.

Permission is hereby granted to use, copy and distribute these materials as presented in this website and without alteration for non-commercial purposes only; provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.

Except as expressly provided herein, you shall not use any portion of this website, or any other intellectual property of Progressive (including, but not limited to Progressive service marks including Progressive), on any other website, in the source code of any other website, or in any other printed or electronic materials. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this website's content or frame this website within any other website without our prior written permission. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from Progressive, is prohibited.

Third-Party Sites

This site may contain links to other Internet websites ("Third-party Sites") that are not maintained by Progressive. These links are provided solely for your convenience. Progressive makes no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party Sites. We recommend that you take the time to read the privacy policies and user agreements of these sites.

Privacy Policy

Please review our Privacy Policy, which also governs your visit to this website.

Password Registration

Some Progressive websites are restricted and require a user identification code ("User ID") and a password for access. Unauthorised use of or access of such sites is strictly prohibited. In accessing Progressive sites requiring a User ID and password, you agree that:

Progressive is entitled to act on instructions received under your User ID and password. Progressive is not liable for any unauthorised access to your personal information that is not the direct result of gross negligence or intentional misconduct on the part of Progressive. You will keep your password confidential and you will notify Progressive immediately if you believe someone else has obtained your User ID and password or any unauthorised access to the online service site has occurred or may occur. Progressive may block access to the online service site without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorised access to your personal information has occurred or may occur, or for other reasons.

Geographic Location Identification

When you visit our website, you may see messages tailored to your specific state or city. We are able to identify your general geographic location using a system that recognizes and pinpoints the location of publicly routed IP addresses - the unique numbers computers use to communicate with other devices on computer networks. Though we can identify your geographic location, we do not receive your personal information. We identify your location only to provide a more tailored experience for you.

Advice

Any advice provided by us on this website is general advice only and does not take into account your individual objectives, financial situation, or needs. You should assess whether the product is appropriate for you in light of your objectives, financial situation, and needs and consider talking to an advisor before making a decision.

Disclaimer of Warranty

To the extent permitted under applicable law, the content and materials in this site are provided "as is" and without representations or warranties of any kind, either express or implied. Progressive does not warrant the accuracy, completeness or adequacy of the content on this website. All content on this website is subject to change without notice. Progressive does not warrant or represent that the functions or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers or any email sent from Progressive are free of viruses or other harmful components. All terms implied by law, except those terms that cannot be excluded lawfully, are excluded.

Limitation of Liability

Progressive shall not be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort or otherwise, which arises out of (a) the use of, or inability to use, this site or content found in this site, or (b) unless resulting from the gross negligence or intentional actions of Progressive, the unauthorised access to or alteration of your transmissions or data, even if Progressive has been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion of liability for certain damages, so the foregoing exclusions or limitations may not apply to you.

Jurisdiction / Enforceability

Use of this site shall be governed by and construed in accordance with the laws of the State of Victoria, Australia. You irrevocably submit to the exclusive jurisdiction of the courts of Victoria, Australia, and appeal therefrom.

Should any provision of these Terms of Use be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

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Progressive Direct Insurance Company
ABN: 28 140 389 528 AFSL: 342 902

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