Welcome to the Insurance Council of Australia (ICA, we, us, our)’s website (Site). By accessing the Site, you agree to the Terms of Use (Terms) below, which include our legal disclaimer, privacy policy and any other terms or conditions on the Site.
We may change the Terms at our discretion and upon reasonable notice. Please check the Terms regularly prior to using the Site to ensure you are aware of any changes. By continuing to use the Site you accept the Terms as they apply from time to time. A copy of our current Terms is displayed on the Site at all times. The legal disclaimer is in no way limited or altered by any other terms or conditions on the Site.
1. Your rights and obligations
- We grant you the right to view all information and materials on this Site (Content) and download and/or print any Content for your personal, non-commercial use, subject to the Terms set out below, however we may revoke this right at any time.
- We grant you the right to copy extracts from submissions, press releases, statistics or other Content on the Site for the purposes of quotation or further publication, but only if you attribute the extracts copied from the Site to us and/or the relevant author of such Content.
- You must not, except with our express written permission, distribute or commercially exploit the Content, or transmit it in any other website or electronic retrieval system.
- You must not use any automated means to scrape, monitor, copy, or extract any part of the Site, for any purpose.
2. Copyright and Trademarks
All intellectual property rights in the Site, including:
- the Content;
- the arrangement of the Content; and
- software and tools accessed via the Site,
belong to us or are licensed to us, other than any Forum Content (as defined in these Terms) which is posted to the Site.
We expressly reserve our rights, title and interest in all copyright and trade marks on this Site. We may take any action we consider necessary or appropriate in response to a breach of our intellectual property rights.
3. Sharing our videos
- We do not grant you any automatic rights in any Content in videos on the Site (Video Content) by our provision of sharing and embedding functions on Video Content.
- You may only share or embed Video Content on a third party site, where we give you express written permission.
- Upon receiving permission, you may only embed or share Video Content by using the sharing and embedding functions that we provide.
- We reserve all rights in the Video Content, including to require you to remove Video Content which you have shared or embedded, in our absolute discretion.
- You must comply with any request to remove Video Content as soon as possible after notification from us of such a request.
4. No professional or financial advice
- The information on this Site is intended to provide general information and guidance, but you should not rely on the Site as your exclusive or primary source of information.
- Nothing on this Site constitutes, or is meant to constitute, advice (including financial advice) of any kind. You should not use the information on this Site to replace advice by a professional. We strongly recommend that all individuals consult a professional before acting on any information provided on this Site.
- You must exercise independent skill and care in the choice of any insurance or products or services that may be referred to on this Site. The Content does not consider your individual needs and circumstances.
5. Accuracy of information
We are providing this Site and the Content on an “as is” basis. While we endeavour to keep the information on the Site as accurate, complete and up to date as possible, to the maximum extent permitted by law, we do not represent or make any warranty in respect of the accuracy, reliability, completeness, currency or continuous supply of any of the Content.
6. Availability of the Site
- While we try to ensure that the Site is available continuously, to the maximum extent permitted by law, we do not represent or warrant that access will be secure, error free, uninterrupted or timely or that the Site or related server are free of viruses, bugs or other harmful applications or interference. You acknowledge that it is your responsibility to take reasonable protective measures.
- We may suspend access to the Site without prior notice due to maintenance, system failure, repair or any other reason beyond our control.
7. Third party sites
- We may link this Site to third party websites which are not under our control, or maintained by us. We have not reviewed the content of such websites for accuracy or otherwise.
- We are providing these links to you only as a matter of convenience. These third party websites are governed by their own terms, and, to the maximum extent permitted by law, we are not responsible for their content.
- We do not endorse or recommend any products, materials or services displayed or offered on any websites which may be linked to this Site.
8. Third party events
- We may advertise or sponsor functions, events or other activities that may be conducted by third parties.
- We do not accept any responsibility in connection with your participation in activities conducted by any third party.
9. Privacy and confidentiality
- Any communication or material sent by you to the Site by electronic mail or otherwise, including any data, questions, submissions, comments or suggestions, are and will be treated as non-confidential, except to the extent that any such communication or material or any part of it comprises personal information as defined in the Privacy Act 1988 (Cth).
- We respect your privacy. Our Privacy Policy, which forms part of these Terms, applies to any personal information collected by us. Please see our privacy policy here.
10. Disclaimer of warranties
- Any Content relating to insurance providers, products or services is provided as general information only, and does not constitute financial advice. The Content does not take into account your individual situation or needs.
- To the maximum extent permitted by law, we do not represent or warrant the quality or reliability of any products or services that the Content refers to, or information that we provide about any such products or services, or any other materials displayed on this Site.
- Any reliance you place on any Content will be at your own risk and it is solely your responsibility to ensure that any goods or services that you purchase from any third parties meet your requirements.
- We reserve the right, at our sole discretion, to amend any portion of the Content and/or Site without notice.
11. Limitation of liability
- To the maximum extent permitted by law, we give no warranties, and you have no rights, apart from those, if any, expressly set out in these Terms and all implied conditions, warranties and rights are excluded.
- To the maximum extent permitted by law, we make no warranties or representations about this Site or any of the Content, including that the Content is suitable for your requirements. We exclude to the maximum extent permitted by law, any liability which may arise as a result of your use of the Site or the Content on this Site. Where liability cannot be excluded, any liability incurred by us is limited to the extent permitted by law, provided for by the Australian Consumer Law in Schedule 2 to the Competition and Consumer Act 2010 (Cth). We will not be liable for any economic loss whether direct, indirect, incidental, special or consequential loss arising out of any action taken by you in reliance of any information or service provided on this Site.
12. Termination
We may terminate your access to all or any part of this Site and any related services immediately if you commit a breach of any of these Terms or otherwise upon reasonable notice.
13. General
- In these Terms, any reference to "you" in these Terms includes a reference to anyone acting on your behalf or with your express or implied authority.
- These Terms are governed by the laws of New South Wales, Australia. You agree that any dispute or legal proceeding in relation to this Site shall be brought exclusively in the courts of New South Wales.
- If any provision or part of a provision of these Terms is held by a court of competent jurisdiction to be contrary to law, all other provisions shall remain in full force and effect.
- These Terms comprise the entire agreement between you and us.
These Terms were last updated on 29 January 2026.
