Terms & Conditions

1. About this website

This website is operated under the Pet Business Insurance brand.

Pet Business Insurance is a registered business name of Pet Business Insurance Pty Ltd ABN 12 699 102 326.

Financial services offered under the Pet Business Insurance brand are provided by RIB Co Pty Ltd ABN 91 681 019 009, Authorised Representative No. 1311726 of SMS Insurance Pty Ltd trading as repX ABN 32 361 928 456, AFSL No. 425573.

2. Acceptance of these terms

By accessing or using this website, you agree to these Terms & Conditions. If you do not agree with them, you should discontinue using the website.

3. Information and services

This website provides information about insurance options that may be available to eligible Australian pet businesses. It also allows users to request quotes or contact us about insurance services.

Insurance availability is subject to eligibility, underwriting acceptance and the applicable insurer’s terms, conditions, limits, excesses and exclusions.

Information on this website does not constitute an offer to provide insurance or confirmation that insurance cover has been arranged.

4. General advice

Any advice provided on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs.

Before acting on general advice, you should consider whether it is appropriate for you, having regard to your objectives, financial situation and needs. Where the advice relates to a particular financial product, you should obtain and consider the relevant Product Disclosure Statement or other policy documents before making a decision.

Nothing on this website constitutes legal, taxation or accounting advice.

5. Quotes and insurance cover

Submitting a quote request does not guarantee that insurance will be offered or arranged.

Any indicative price or preliminary quotation is subject to the information you provide, insurer requirements, underwriting acceptance and confirmation in the relevant quotation and policy documents.

Insurance cover does not commence until it has been formally confirmed in accordance with the insurer’s requirements. If information on this website differs from the applicable quotation, policy schedule, policy wording or other insurance documents, those insurance documents will apply.

6. Your responsibilities

When using this website or requesting a quote, you must:

• Provide information that is accurate, complete and not misleading.
• Disclose all relevant business activities and other information requested.
• Not use the website for unlawful, fraudulent or improper purposes.
• Not interfere with the website’s operation or security.
• Comply with applicable laws.

Your disclosure obligations and the consequences of failing to provide accurate information will be explained in the applicable quotation and insurance documents.

7. Intellectual property

Unless otherwise stated, the text, design, graphics, logos, images and other content appearing on this website are owned by or licensed to their respective owners.

You may view and print website content for your personal or internal business use. You must not reproduce, modify, distribute, publish or commercially exploit website content without permission from the applicable rights holder.

8. Website availability and accuracy

We take reasonable steps to maintain the accuracy and availability of this website. However, information may change, and we do not guarantee that the website will always be available, secure, current or free from errors.

You should not rely solely on website information when making a decision about insurance. Refer to the applicable quotation and policy documents and contact us if you require clarification.

9. Limitation of liability

To the maximum extent permitted by law, the entities involved in operating this website exclude liability for loss arising solely from your use of, or inability to access, this website or your reliance on website content.

Nothing in these Terms & Conditions excludes, restricts or modifies any right, guarantee, remedy or liability that cannot lawfully be excluded, restricted or modified.

10. External links

This website may contain links to websites operated by third parties. These links are provided for convenience and do not necessarily indicate endorsement.

We do not control third-party websites and are not responsible for their availability, content, security or privacy practices. You should review the applicable terms and privacy policies before using them.

11. Privacy

Personal information collected through this website will be handled in accordance with our Privacy Policy and applicable privacy laws.

12. Changes to these terms

These Terms & Conditions may be updated from time to time. Any updated version will be published on this page with a revised effective date.

Changes will apply from the stated effective date and will not retrospectively alter the terms of an insurance policy already issued.

13. Governing law

These Terms & Conditions are governed by the laws of Victoria, Australia. You submit to the non-exclusive jurisdiction of the courts of Victoria and the courts entitled to hear appeals from them.

14. Contact us

Questions about these Terms & Conditions can be directed to:

Pet Business Insurance
Email: team@petbusinessinsurance.com.au
Phone: 1300 766 445