Terms and Conditions

The resolutionlife.com.au website ("this website") is owned by Resolution Life Australasia Limited, ABN 84 079 300 379 (Resolution Life), which is part of Resolution Life Group. 

Your access to this website is subject to these terms and conditions, the Resolution Life Privacy Statement, notices, disclaimers and any other terms and conditions or other statements contained on this website (referred to collectively as "Terms and Conditions"). By using this website you agree to be subject to the Terms and Conditions.

1. Access for persons from within Australia only

This website is only for the use of persons accessing the website from within Australia. The products and services described in this website are only available to persons accessing the website from within Australia.

2. No financial advice provided to you

Unless otherwise expressly stated to the contrary, this website is not designed for the purpose of providing personal financial product advice. It may contain general financial product advice.  Any general financial product advice on this website is provided by Resolution Life. The advice does not take into account your particular objectives, financial situation or needs. Therefore, before acting on the advice, you should consider the appropriateness of the advice having regard to those matters as well as the relevant product disclosure statement available from Resolution Life at resolutionlife.com.au or by calling 133 731.

You should assess whether the advice on this website is appropriate to your particular financial objectives, financial situation and financial needs. You should do this before making a financial decision on the basis of the information on this website. You can either make this assessment yourself or seek the assistance of an adviser.

Read our Financial Services Guide for information about our services, including the fees and other benefits that Resolution Life and their representatives may receive in relation to products and services provided to you. You can also ask us for more details.

3.Third party offers and links to other websites

Not all products and services referred to on this website may be provided by Resolution Life.

This website may contain references to other special offers or promotions by persons and companies not part of the Resolution Life and may contain links to other websites or pages that are not operated by Resolution Life. Such links are provided for convenience and information purposes only. Resolution Life has not verified, and is not responsible for, the content of any other websites or pages linked to or linking to this site. Resolution Life does not endorse, approve or recommend the operators of those websites or the content of those websites.

Subject to any applicable law which cannot be excluded, Resolution Life makes no warranties or representations regarding the quality, accuracy, merchantability or fitness for purpose of the goods or services available from these persons companies. Your obtaining of goods or services from these persons or companies is at your own risk. You indemnify Resolution Life against all liability, loss, damage, cost and expense incurred by Resolution Life arising from or relating to your obtaining goods or services from a third party referred to in this website.

If you provide a link to this website on another website (“Site”), you must ensure that this Site does not contain any material that is offensive or distasteful, contravenes any law, disparages or adversely affects the brand or reputation of Resolution Life and Resolution Life Group or the goods and services offered by the Resolution Life, or makes any representations about Resolution Life or its goods or services, including any representations of any endorsement, sponsorship, affiliation or approval of you or the Site by Resolution Life or passes off Resolution Life's documents or information as your own.

Following links to any other websites or pages or linking this website to another Site is entirely at your own risk and Resolution Life shall not be responsible or liable for any losses, damages or expenses arising in connection with such linking.

4.Investment performance

Unless otherwise stated to the contrary in relevant product documents, Resolution Life does not guarantee any particular rate or return, the performance of any investment or the repayment of capital from any investment. Investment is subject to investment and other risks. Possible risks could include delays in repayment and loss of income or capital invested.  Any information about past performance is not a reliable indictor of future performance.

5.Disclaimer and limitation of liability

While we will use reasonable care and skill in operating our website, we cannot promise that our website will always be available or completely free of faults or errors.

To the maximum extent permitted by law, Resolution Life will not be liable in any way for any loss or damage suffered by you through use or access to this website, reliance on or use of information provided on this website, or Resolution Life's failure to provide this website. Our liability for negligence, breach of contract or contravention of any law as a result of our failure to provide this website or any part of it, or for any problems with this website, which cannot be lawfully excluded, is limited, at our option and to the maximum extent permitted by law, to resupplying this website or any part of it to you, or to paying for the resupply of this website or any part of it to you.

6. General conditions

These Terms and Conditions are governed by the law in force in the State of New South Wales, and the parties irrevocably submit to the non-exclusive jurisdiction of the courts of New South Wales and courts of appeal from them for determining any dispute concerning the Terms and Conditions.

These Terms and Condition can be modified at any time by Resolution Life without notice and you agree to continue to be bound by these Terms and Conditions as modified. We will give you notice of these changes by publishing revised Terms and Conditions on this website - we will not separately notify you of these changes.

If the whole or any part of a provision of these Terms and Conditions are void, unenforceable or illegal in 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 that provision in any other jurisdiction is not affected. This clause has no effect if the severance alters the basic nature of the Terms and Conditions or is contrary to public policy.

7. Intellectual Property

All of the intellectual property rights in and to our website belong to us and our licensors. We may update and change the materials available on our website, including by removing materials, at any time in our discretion.

Except where necessary for viewing the documents or information on this website on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms and Conditions, no documents or information on this website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed, stored, published, displayed or transmitted in any form by any process and you may not create derivative works from any part of this website or commercialise any information obtained from any part of this website without the specific written consent of Resolution Life or, in the case of third party material, from the owner of the copyright in that material.

8. Account details

You may need to register or open an account with us in order to access certain parts of this website.  In this case, we will issue you with a user name and password, or other appropriate log-in details for your account. You are responsible for keeping your log-in details confidential so that they cannot be used without your permission. You will be responsible for any use of this website by anyone using your log-in details.

Any terms and conditions to access those parts of the website are additional to these terms and conditions.

9.Your content

To the extent that this website includes functionality that allows you to upload content to our website (“your content”):

• you remain the owner of your content;
• you grant us an irrevocable, worldwide, perpetual, non-exclusive licence to use, reproduce and communicate to the public your content for the purposes of operating this website and providing services to you;
• you must ensure that your content does not include anything that is illegal, offensive, obscene, defamatory, breaches the intellectual property, privacy or other rights of any other person, or otherwise breaches any acceptable use rules that we post on this website from time to time; and
• we may reject or take down your content at any time, including if we think in our discretion that it breaches these Terms and Conditions or otherwise is not appropriate for inclusion on this website.

10.Your obligations

You must comply with any instructions we give you about how to use this website and must not do anything that interferes with or adversely affects the normal operation of this website (including the ability of other users to access or use this website).

You are responsible for ensuring the security of the systems and devices that you use to access this website, including through use of appropriate virus-checking and other security software.

11. Right to suspend or terminate access

We may suspend, terminate or block your access to all or any part of this website at any time and without prior notice to you.

The provisions of these Terms and Conditions regarding intellectual property and liability survive termination of your access of this website.