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Privacy is important especially when you consider the number of ways we communicate and interact these days. We are committed to our privacy obligations and will conduct our business to ensure the protection of your personal information, including sensitive information..

It is important to understand that our companies provide a wide range of financial services and products and our companies may use and disclose your personal information in different ways.

Online Terms & Conditions

Terri Scheer is a member of the Suncorp Group. Click here to read the Suncorp Group Privacy Policy.

The Suncorp Group is comprised of Suncorp Group Limited (ABN 66 145 290 124) (“Suncorp Group”) and its subsidiaries and related companies in Australia and New Zealand. In these terms, a reference to “we”, “us” and “our” is a reference to the following company of the Suncorp Group (as applicable in context):

These Online Terms any relevant Privacy Statement, together with the Suncorp Group Privacy Policy are collectively known as our “Online Terms”.

Read these Online Terms to understand how we:

  1.  About our online sites
  2.  Links to other third party websites or applications
  3.  Product information and insurance purchase and renewal
  4.  Main Site: payments
    All payments are to be made by permitted payment cards at the time of purchase in relation to the applicable policy or service. In the case of a payment card transaction, you must therefore provide to us details of your permitted current and valid payment card, including:

    1. (a) payment card type;
    2. (b) name on payment card;
    3. (c) payment card number;
    4. (d) card verification value (CVV); and
    5. (e) expiry date.
  5.  Online Sites: access and use of Online Sites
    Some of our Online Sites may only be accessible to you if you have “logged-in” by providing certain details as requested by us on the log-in, registration and/or authentication pages of our Online Sites (this information is your “Login”).You may be required to supply a valid email address to register. The username component of your Login will be the email address you have provided us.You must not provide details of your Login to any other person. You must not allow any other person to use your Login. Whereby your login is used with your consent, or you failed to take reasonable precautions to protect these details you are responsible for all activities undertaken using your Login. If you are no longer eligible or no longer entitled to use your Login allocated to you, your access shall be immediately revoked. You must immediately notify us should this occur. We may revoke your access without notice in instances where we reasonably suspect your account has been comprised or associated with fraudulent activity. To access our Online Sites you may be required to verify your identity by entering a one-time password sent via SMS to the mobile phone number associated with your Login (Mobile Phone Number). A one-time password is a randomly generated password that is used to authenticate a transaction or your “log-in” attempt, and is only valid for a single use.There are time limits and limits on attempts made to enter the one-time password into the password field. If there are any errors in the one-time password field, you may not be able to access our Online Sites.We don’t charge you a fee for sending a one-time password to your Mobile Phone Number. However, your mobile phone service provider may impose fees and charges, including fees and charges for sending and receiving SMS messages. The payment of any such fees and charges is the responsibility of the mobile phone account holder.To use the one-time password verification, you must keep the Mobile Phone Number associated with your Login current. If the Mobile Phone Number associated with your Login is incorrect, you may not be able to use the one-time password verification and be unable to access our Online Sites. If the Mobile Phone Number is also used by other people, they may receive, or be able to access your one-time password.
  6.  Valuation tools, calculators, games and other features
  7.  Our standard terms and acceptance criteria apply
    All enquiries or applications for insurance (including variations of cover) or other products made via any of our Online Sites are subject to and must comply with our normal acceptance criteria and are governed by the normal terms and conditions applying to each product or service requested. The terms and conditions of the products which we issue or provide (as relevant) are contained here. You have a duty to us under the Insurance Contracts Act to take reasonable care not to make a misrepresentation before you enter a contract of insurance with us. To make sure that you meet this duty to us, it is important that you answer all questions truthfully and accurately. If you give us information that is not true and accurate, we may be able to reduce or refuse a claim or cancel your policy, or both. If your failure is fraudulent, we may be able to refuse to pay a claim and treat the contract as if it never existed.
  8.  Warranties
    Whilst reasonable steps have been undertaken to ensure that information is free from error, subject to any applicable law which cannot be excluded (including warranties under the Australian Consumer Law and Australian Securities and Investments Commission Act 2001 (Cth)), Terri Scheer does not warrant the accuracy, adequacy or completeness of Site Content or any Online Site User Content or any Social Media Site User Content, on any of its Online Sites.
  9.  Limitation of liability
    Subject to any rights you may have under any applicable law (including the Australian Consumer Law and Australian Securities and Investments Commission Act 2001 (Cth)), we do not accept any legal responsibility for any loss or damage, including loss of business or profits or any other indirect loss arising out of or referable to any Site Content, Third Party Material, third party services, or to access (or lack of access) to our Online Site (or website operated by any member of the Suncorp Group) by you, howsoever caused, whether in contract, tort including negligence, statute or otherwise.
  10. Indemnity
    You indemnify us (and any of our related bodies corporate) against any loss, cost, damage, expense and liability suffered or incurred by us (or any of our related bodies corporate) as a result of your breach of these Online Terms, except to the extent caused or contributed to by our negligence
  11. No advice / Risk Management Products
  12.  Availability of an Online Site
  13.  Restrictions on use of an Online Site
    The Site Content contained on any Online Site is provided solely for bona fide personal or commercial customers only. By accessing, viewing or otherwise using any of our Online Sites, you agree to abide by the terms and conditions of use contained in this term and term 13. You agree that you will not, (either yourself or through any third party):

    1. (a) use any robot, spider, screen scraper, data aggregation tool or other automatic device or process (“Automated Process“) to process, monitor, copy or extract any web pages on any of our Online Sites, or any of the information, content or data contained within or accessible through any of our Online Sites, without our prior written permission;
    2. (b) use any Automated Process to aggregate or combine information, content or data contained within or accessible through any of our Online Sites with information, content or data accessible via or sourced from any third party;
    3. (c) use any information on or accessed through any of our Online Sites for any commercial purpose (including but not limited to market research, the provision of pricing estimates or ‘shadow shopping’) or otherwise (either directly or indirectly) for profit or gain;
    4. (d) use any device, software, process or routine to interfere or attempt to interfere with the proper working of any of our Online Sites or any transaction or process being conducted on or through it;
    5. (e) take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to any of our Online Sites;
    6. (f) reverse engineer, reverse assemble, decompile or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with any of our Online Sites; or
    7. (g) copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from any of our Online Sites without our prior written permission.
  14.  No use of any Online Site for unrelated persons
    You must only use our Online Sites (as permitted by their design) to:

  15.  Third party providers
    Parts of our Online Sites, or the provision of payment processing or other services offered via our Online Sites, may be outsourced to third party providers. These Online Terms apply to any outsourced services, unless you are otherwise notified of any alternate terms of use.
  16.  Copyright and trademarks
  17.  Termination
  18.  Acceptance of and changes to these Online Terms
  19.  Our complaints resolution process
  20.  General
  21.  Linking to any of our Online Sites
    Unauthorised linking to any part of an Online Site (including any website operated by a related body corporate that is part of the Suncorp Group) is expressly prohibited. Please contact us if you would like to link to any part of our Online Site(s). Only written permission from us will constitute authorisation of a link.
  22.  Our Online Privacy Statement starts here
  23.  Your online privacy
  24.  Posting public content
    Unless otherwise stated, when you post a public comment or upload other public data to an Online Site, that information may be displayed by us publicly in accordance with terms 22 and 24. Your information may also be retained by us where there is a legal reason to retain it for a longer period.
  25.  Information collected and how we use it
  26.  Third Party Sites (including third party social media sites)
    Our Online Sites may contain links to Third Party Sites (see term 2.1). Third Party Sites should contain their own privacy statements and those third parties are responsible for informing you about their security and privacy practices.
  27.  Your privacy rights and complaint resolution
  28.  Cookies

These online terms are dated 25 October 2023