Welcome to Insuresec Pty Ltd, trading as Loansec Australia. By accessing or using our website and services, you agree to the following Terms and Conditions. Please read these terms carefully. If you do not agree with these terms, please refrain from using our website or services.
1. Acceptance of Terms
By accessing or using the Insuresec Pty Ltd website, you confirm your acceptance of these Terms and Conditions as well as our Privacy Policy. Insuresec Pty Ltd reserves the right to update these terms at any time without prior notice. Continued use of the website after changes are made constitutes acceptance of the new terms.
2. Services Provided
Insuresec Pty Ltd, operating as Loansec Australia, provides premium credit insurance funding solutions, including but not limited to:
Insurance Premium Financing
Start-up Insurance Funding
Equipment Insurance Funding
Commercial Property Insurance Funding
Business Interruption Insurance Funding
Liability Insurance Funding
Professional Indemnity Insurance Funding
Health and Benefits Insurance Funding
Retirement Insurance Funding
Key Person Insurance Funding
Our services are designed to help businesses manage insurance costs effectively while enhancing cash flow. Full details on specific services, terms, and eligibility requirements are available on our website and will be provided during consultations.
3. Eligibility
Eligibility for funding solutions requires the submission of supporting documents, such as financial statements, identification, and other relevant business records. Insuresec Pty Ltd reserves the right to approve or decline applications based on our detailed assessment process.
4. Application Process
The application process includes an initial inquiry, documentation review, eligibility assessment, and the signing of a formal agreement. By applying, you agree to provide accurate, complete, and truthful information. Providing misleading or false information may result in rejection of your application or termination of services.
5. Fees and Charges
Our services may include applicable fees, such as interest rates on financed amounts, processing fees, or late payment charges. All fees specific to your funding agreement will be clearly outlined for your review. You are responsible for reviewing and understanding these fees prior to accepting the terms of funding.
6. Payment Terms
Payments for insurance funding will be made according to the terms outlined in your agreement. Timely payment is essential; late payments may result in additional fees or penalties. Various payment options will be detailed in your agreement.
7. Confidentiality and Data Protection
We are committed to safeguarding your personal and business information. Our Privacy Policy outlines how we collect, use, and protect your data. By using our services, you consent to the data practices described in our Privacy Policy.
8. Guarantee of Services
Insuresec Pty Ltd guarantees the quality and security of the credit insurance solutions we provide. Our services are backed by an irrevocable guarantee to ensure that each loan and insurance product meets the highest industry standards. In the unlikely event that you are unsatisfied with the services provided, you are entitled to a formal review process and resolution according to the terms in your agreement.
9. Limitation of Liability
Insuresec Pty Ltd is not liable for any indirect, incidental, or consequential damages arising from the use of our website or services. Our liability is limited to the maximum extent permitted by law. We do not guarantee the accuracy, completeness, or reliability of any information on our website.
10. Termination of Services
Insuresec Pty Ltd reserves the right to terminate or suspend access to our website and services, with or without prior notice, at our discretion. In the event of termination, you must cease all use of our services and website.
11. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of Australia. Any disputes arising from these terms will be subject to the exclusive jurisdiction of the courts in Australia.
12. Dispute Resolution
In the event of a dispute, we encourage you to contact us for an amicable resolution. If a satisfactory resolution cannot be reached, disputes will be resolved through binding arbitration in accordance with Australian law.
13. Contact Information
For any inquiries or concerns regarding these Terms and Conditions or our services, please contact us at:
Email: info@insuresecau.com
Address: Level 2, 67 Sturt Street, Adelaide, SA 5000, Australia
14. Severability
If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
15. Entire Agreement
These Terms and Conditions, along with our Privacy Policy and any referenced documents, constitute the entire agreement between you and Insuresec Pty Ltd regarding your use of our website and services.
By using our website and services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions. Thank you for choosing Insuresec Pty Ltd, trading as Loansec Australia.
