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Online Terms & Conditions

Just Car Insurance is a member of the Suncorp Group. Click here to read the Suncorp Group Privacy Policy.

Click here to read Just Car Insurance’s privacy statements.

In short referred to as Just Car Insurance's "Online Terms".

Read these Online Terms to understand how Just Car Insurance:

  • operates and regulates its online sites including its social media sites;
  • operates any online insurance quoting, purchase and policy management transactions; and
  • handles your personal information when you interact with us online (see terms 24 to 33).
1.  About Just Car Insurance's online sites

1.1  AAI Limited ABN 48 005 297 807 trading as Just Car Insurance ("Just Car", "we" or "us") operates Just Car online sites ("Online Site" or "Online Sites"), including our:
 
1.1.1  main website (www.justcarinsurance.com.au) ("Main Site");
 
1.1.2  mobile device site (m.justcarinsurance.com.au) ("Mobile Site") which for the purposes of these Online Terms forms part of the Main Site;
 
1.1.3  claim management application (“Just Claim Manager”);
 
1.1.4  a claim notification application (“iClaim App”); and
 
1.1.5  social media site(s) ("Social Media Site" or "Social Media Sites") as operated from time to time.
 
When providing financial services in Australia Just Car acts as the issuer of Just Car Insurance products and holds an Australian Financial Services Licence no. 230859.Please be aware that certain parts of our Main Site and/or Mobile Site may be displayed and operate within a Social Media Site (for example, as an application or ‘app’). By this we mean that a Social Media Site we operate may provide a secure insurance quoting, purchase and/or insurance administration facility. If you obtain a quote, purchase insurance cover or administer your insurance on our Main Site or our Mobile Site, your transaction will be conducted over a secure internet connection – see term 27.3 for details. Our Main Site and/or Mobile Site may additionally function as a Social Media Site, which means that the information and content you submit to a social media section of our Main Site and/or Mobile Site will be freely visible to other website users. Any social media sections of our Main Site and/or Mobile Site will be either clear to you from their design, or we will otherwise inform you of their public nature. Any information or content you supply to our Social Media Site(s) will be treated by Just Car in accordance with terms 9 and 27, and otherwise in accordance with these Online Terms (as relevant).
 
1.2  Just Car may operate an Online Site for its own benefit and/or for the benefit of one or more of its related bodies corporate, which collectively form the Suncorp Group of companies in Australia and New Zealand ("Suncorp Group").

1.3  Our Online Site may include product advertising, services, information, text, graphics, materials, social media forums, applications, functions and promotions, unless disclaimed otherwise or where not permitted by law or by an online host site's rules ("Site Content"). Your use of any of our Online Sites, including any Site Content, is governed by these Online Terms.1.4  In addition to these Online Terms, other terms of use or conditions may apply to your use of any of our Online Sites (or parts thereof) or to any products or services offered via our Online Sites. If such additional terms of use or conditions apply, we will bring them to your attention (as required by law) and you will be bound by them. For example, should you decide to participate in a promotion that is advertised or otherwise featured on one or more of our Online Sites, you will be additionally bound by the relevant terms and conditions for entry into that promotion. Should any term within these Online Terms conflict with a promotion's terms and conditions, the latter will prevail to the extent of the conflict.1.5 Just Car owns and operates the Main Site and the Mobile Site (which forms part of the Main Site) and the iClaim App. These Online Sites include all web pages under or forming part of the domain name justcarinsurance.com.au and m.justcarinsurance.com.au. Our Mobile Site is designed for use by portable electronic devices such as smart phones or tablet computers. Just Car disclaims that our Mobile Site may not operate (or may not operate fully) on some types of portable electronic devices. If you experience difficulty in accessing or using our Mobile Site, you should access our Main Site (www.justcarinsurance.com.au) using a modern web browser on a personal computer with a screen diameter or 10 inches or greater. The relevant versions of the iClaim App are designed for use on (i) Apple Incorporated’s compatible electronic devices including iPhone, iPad, and iPod Touch, (ii) electronic devices compatible with Android TM apps, such as available from the Google PlayTM Store or the SamsungTM app store.1.6  As part your use of our Online Sites or Site Content you may need to agree to the terms of use of a website or application that is owned and/or hosted by one or more third party providers. If any term within these Online Terms should conflict with any third party's terms of use, the later will prevail to the extent of the conflict insofar as your use or access to that third party site is concerned.
 
2. Links to other third party websites or applications

2.1  An Online Site may contain links to other websites (including other social media websites) which are owned or operated by third parties independent of Just Car ("Third Party Sites"). Just Car does not sponsor, endorse or approve of the operators of Third Party Sites, or material (including services, information, graphics, or data) which is located on such Third Party Sites ("Third Party Material").

2.2  An Online Site may contain or link to information about special offers, deals or promotions by persons not related to or part of Just Car ("Third Party Offers"). Just Car does not sponsor, endorse or approve of any Third Party Offers or Third Party Material associated with these offers.

2.3  Subject to any applicable law which cannot be excluded, Just Car makes no warranties or representations:

2.3.1  regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material, or products or services available through Third Party Sites; or

2.3.2  that Third Party Material does not infringe the intellectual property rights of any person.

2.4  Just Car is not authorising the reproduction of Third Party Material by linking Site Content to Third Party Material.

2.5  When following a link on an Online Site, material at a Third Party Site may be displayed in your browser framed by Site Content. This material is also Third Party Material for the purpose of these Online Terms.

2.6 As part your use of our Online Sites or Site Content you may need to agree to the terms of a Third Party Site. If any term within these Online Terms should conflict with any third party’s terms of use, the latter will prevail to the extent of the conflict insofar as your use or access to that Third Party Site is concerned.
 
3. Your privacy

3.1 Your privacy and security is important to Just Car. Read terms 24 to 32 for information (the 'Privacy Statement' component) about how Just Car handles the information you provide it when you use one of our Online Sites.

4. Just Car's Main Site: product information and insurance purchase and renewal

4.1. Main Site content
The Just Car Main Site contains both information of a general nature about Just Car and Just Car's products and services, and also enables you to purchase and pay for some insurance products and services online.The Just Car Main Site also enables you to lodge certain insurance claims using Just Car Insurance Claim online, renew some insurance products and services online and enables you to view, manage and change your Just Car insurance policies online using Just Car's 'self service' function available at the self service part of the Main Site (the "Self Service Site") subject to these Online Terms, including the specific terms of use for that service set out in term 6.

4.2 Completing transactions on the Main Site

4.2.1   When entering into a transaction via the Main Site, whether it be the issuance of an insurance contract, a renewal payment, or a transaction relating to any other product or service, the transaction will not be completed until an "Electronic Instruction" (being any electronic instruction, information, message, request or communication issued or transmitted to Just Car via the Main Site) containing the acceptance from you to Just Car's offer, or the confirmation of payment from you, whichever is applicable, has been received and processed by Just Car, and any specific steps or requirements as set out in this term 4, have been complied with.
 
4.2.2   You acknowledge that the transmission of your acceptance or the confirmation of any payment, made through an Electronic Instruction, may not be received by Just Car in accordance with this term 4 for reasons beyond either parties' reasonable control including, but not limited to, mechanical, software, computer, telecommunications, or electronic failure, or the omission or failure of third party service providers or systems.

4.2.3   You further acknowledge that, to the extent permitted by law, Just Car is not liable to you in any way for any loss or damage at all and however caused, arising directly or indirectly in connection with the transmission of an Electronic Instruction through the Main Site, or any failure to receive an Electronic Instruction for whatever reason.

4.3 Purchasing insurance policies
 
4.3.1   Where the Main Site enables you to purchase insurance products or services online:

(a)  the parties may enter into an insurance policy using the Main Site by Just Car making an electronic offer via the Main Site and you electronically communicating your acceptance of that offer via the Main Site to Just Car;(b)  Just Car may act on and process all completed Electronic Instructions transmitted or issued through the Main Site without further consent from or reference to you; and(c)  Just Car may treat an Electronic Instruction as authentic and is under no obligation to investigate the authenticity or authority of persons issuing or transmitting such Electronic Instructions, or to verify the accuracy and completeness of such Electronic Instructions.

4.3.2  Creating a binding insurance contract with Just Car via the Main Site is a two-step process:

(a)  the first step is to create a quote for the insurance product you are interested in and have selected. Upon completion by you of all required details, the Main Site will provide you with a quote, identified by a quote number; and

(b)  if you wish to purchase insurance in accordance with a quote provided to you by Just Car via the Main Site, then, upon completion by you of all required details, step two enables you to accept that quote and create a binding insurance agreement with a corresponding Just Car policy number.
 
4.3.3  When entering into a contract via the Main Site, you will be taken to have communicated your acceptance to an offer of insurance from Just Car only when:

(a) the Electronic Instruction containing the acceptance from you enters and is recorded in the main Just Car database;

(b) a record is created and stored in the Just Car database;

(c) a Just Car policy number is generated by the Just Car database; and

(d) Just Car receives all required details of a current and valid payment card or current and valid financial institution account number (in either case a card/account which you are authorised to use and which is of a card/account type accepted by Just Car), and to which Just Car is able to charge/debit the premium.

4.3.4  Some Just Car insurance policies available through the Main Site may offer a deferred payment option. Where this option is available and selected by you, term 5.3 of these Online Terms will additionally apply.4.3.5  If you elect to pay your premium by instalments then you may be able to select the particular day of each month (or other instalment period) on which your payment card or financial institution account number will be automatically charged/debited for the relevant payment.4.3.6  A binding insurance contract is conditional on Just Car being able to successfully charge against your nominated payment card or debit your financial institution account number, and Just Car receiving payment of your applicable premium (either by a single payment or where permitted in instalments).4.3.7  Where a transaction is entered into between Just Car and you via the Main Site, a policy number will be issued by Just Car via the Main Site. However, a binding insurance agreement is not conditional on the issuance or receipt by you of a policy number but is conditional upon Just Car receiving your premium payment or your current and valid payment card (or financial institution account number) details and a valid policy commencement date election and if you elect to pay by instalments a valid direct debit day election. Therefore, the failure by you to receive a policy number via the Main Site does not invalidate or otherwise prejudice the existence of an insurance contract or transaction entered into using the Main Site.4.3.8  Just Car may or may not issue a paper confirmation of the insurance policy. The existence of a binding contract is not conditional on Just Car issuing, or you receiving, a paper confirmation of the transaction.4.3.9  You are responsible for ensuring that you receive a policy number and should contact Just Car if one is not received.4.3.10  Where you only complete a quote on the Main Site and select an alternate payment option (meaning not a payment card payment online or a financial institution account debit payment or a 'deferred payment option' referred to in term 5.3), a binding insurance agreement is not created. Instead, you will need to make payment via an alternate option (such as paying by B-Pay, at an Australia Post Office, or making a payment card payment to Just Car over the phone). When paying by an alternate payment option, a binding insurance agreement will only be created once Just Car receives your full premium payment, or when Just Car receives your first premium instalment if we have offered this payment option to you and you have agreed to pay us your premium by instalments.

4.4  Renewal payments

4.4.1  The Main Site may offer an online facility for renewal payment of certain Just Car insurance policies with selected payment cards.4.4.2  The policy renewal notice will indicate whether online renewal payment is available.

4.4.3  When the renewal payment facility is available, an online renewal payment can be made by following the payment instructions on the Main Site.4.4.4  When making a payment for a policy renewal via the Main Site, you will be taken to have renewed that policy only when:
 
(a)  the Electronic Instruction containing the policy number, premium amount due and payment card details, and an instruction from you to renew the policy, enters and is recorded in the relevant payment database;

(b)  Just Car receives all required details of a current and valid payment card which you are authorised to use, which is of a payment card type accepted by Just Car, and to which Just Car is able to charge the premium;

(c)  a record is created and stored in the payment database;

(d)  a Just Car receipt number is generated by the payment system; and

(e)  the main Just Car database is updated with information from the payment database.

4.4.5  A binding insurance contract is conditional on Just Car being able to successfully charge against your nominated payment card and Just Car receiving payment of all applicable renewal amounts due for the policy (or policies) being renewed (either in a single payment or where permitted in instalments).4.4.6  Just Car, at its discretion, may or may not issue a paper confirmation of the renewal payment. The existence of a valid payment is not conditional on Just Car issuing, or you receiving, a paper confirmation of the transaction.
 
5.  Just Car's Main Site: payments

5.1  All payments for any insurance products, renewals, amendments or other services purchased via the Main Site (including additional premium or other payments which arise from policy amendments made using the Self Service Site, as described in term 6.3), must be paid in full by clear funds by the due date specified in the relevant confirmation.

5.2  Except as specifically set out in terms 5.3 or 5.4 below, and unless provided for otherwise, all payments referred to in term 5.1 above are to be made by permitted payment cards (or permitted financial institution account debits, as relevant) at the time of purchase, renewal or amendment (as the case may be) of the applicable Just Car policy or service.
In the case of a payment card transaction, you must therefore provide to Just Car details of your permitted current and valid payment card, including:

(a)  payment card type;

(b)  name on payment card;

(c)  payment card number;

(d)  card verification value (CVV); and

(e)  expiry date.

In the case of a financial institution account debit, you must provide to Just Car details of your permitted current and valid financial institution account, including:

(a)  the name of your financial institution;

(b)  the full name of the account holder; and

(c)  the account number and its BSB number (bank/state/branch number).

5.3  When you purchase or renew some Just Car insurance policies that are available through the Main Site, you may be offered a deferred payment option. Where this option is available and selected by you, Just Car will, in accordance with these Online Terms, and the relevant Product Disclosure Statement and terms and conditions of the applicable Just Car product or service, issue you with a seven (7) day temporary insurance cover contract. Just Car will also within this initial seven (7) day period email you a confirmation of the arranged cover which includes an account for the full insurance policy which has been selected by you and a schedule of insurance which will apply upon payment of the account. Full payment must be made in relation to such insurance policy in accordance with the account payment notice sent to you, and Product Disclosure Statement and the terms and conditions of the applicable Just Car product or service, which will always apply. Once Just Car receives full payment (in accordance with these Online Terms) for the applicable insurance policy then Just Car will post you a receipt and Product Disclosure Statement for that policy. Failure to pay in accordance with these requirements will automatically result in the interim seven (7) day temporary cover ending at the specified time, and the full insurance policy not commencing. Just Car may, but is not obliged to, provide you with further notice in such circumstances.5.4  If you amend your Just Car insurance policy via the Self Service Site such that an additional premium or sum is due, then you may be offered a deferred payment option. Where this option is available and selected by you, Just Car will, in accordance with these Online Terms and the relevant Product Disclosure Statement and terms and conditions of the applicable Just Car product or service, send you an account within seven (7) days for any additional premium or sum due in relation to the policy amendment(s) selected by you. Please contact us if you do not receive this account. Full payment must be made in relation to such policy amendments in accordance with the account notice sent to you, the Product Disclosure Statement and the terms and conditions of the applicable Just Car product or service. The amendment to your policy will take effect on the date the amendment is processed via the Self Service Site. However, if you fail to pay the additional premium or charge within the designated period, as stated on your account or otherwise advised, the applicable addition or amendment to your policy for which payment is not received will be cancelled, in accordance with the Product Disclosure Statement and the terms and conditions of the applicable Just Car product or service.

6.  Just Car’s Main Site (Self Service and Just Claim Manager) and our iClaim App

The Self Service Site (which forms part of our Main Site) enables you to view, manage and change certain details of your Just Car insurance policy online. 
In addition to the rest of these Online Terms, the specific terms in this term 6 apply to the Self Service Site. The remaining terms in this term 6 apply to Just Claim Manager and our iClaim App (as relevant).

6.1 All Accessing the Self Service Site

6.1.1  Some parts of the Self Service Site are only accessible to you if you have "logged in" by providing certain details as requested by Just Car on the log-in, registration and/or authentication pages of the Self Service Site, relating to you and/or one of your insurance policies currently held with Just Car. (Collectively, this information is your "Login"). You will only be able to "log-in", generate a Login, and use the Self Service Site if you hold at least one current Just Car insurance policy.

6.1.2  You must not provide details of your Login to any other person. You must not allow any other person to use your Login.6.1.3  You must not use the Self Service Site to access or modify the details of
another person without their clear authority. Criminal penalties may apply if you do so.

6.2. Loading your policy details into the Self Service Site

You may, in relation to any of your current Just Car insurance policies and using the functionality of the Self Service Site, include details of those policies in the Self Service Site and associate such policies with your Login (each such policy then being a "Loaded Policy").

6.3. Amending your policy using the Self Service Site

During the term of your policy, and using the Self Service Site, you may have the option of adding, removing or amending certain accessories, modifications and other aspects of your policy. Any such amendment to your policy may result in an additional premium or sum being payable in respect of the amendment. You will be advised if this is the case. Any additional premium must be paid for in accordance with term 5 before the modification to your policy takes effect.

6.4. Your policy only

For the avoidance of doubt, the Self Service Site only permits you (or where you are a joint policyholder, you and the other named policyholders) to view, manage and change certain details of your Just Car insurance policies. Access to a policy which is not held solely in your name or jointly in your name and the name of others is not permitted.
However, the Self Service Site does not allow:

(a)  the removal by one policy holder of other policy holders from a policy (where a joint policy is held); or

(b)  the cancellation of a policy.

You should contact Just Car by email or phone if you wish to remove a policyholder or cancel your policy. We will then respond to your specific request.

6.5 Just Claim Manager
Just Claim Manager (which forms part of our Main Site) enables you to view and manage certain claim related information for certain Just Car Insurance policy types. Please note Just Claim Manager is only available for Comprehensive Car Insurance. It is not available for Third Party Property Damage Insurance and Third Party Property Damage with Fire and Theft policy types. If you would like information about claims you have made under those products, please call Just Car Insurance on 13 13 26 at anytime. The terms in this term 6.5 are relevant only to those Just Car Insurance policies for which the relevant Just Claim Manager functionality is available. In addition to the remainder of these Online Terms, the specific terms in this term 6.5 apply to Just Claim Manager.

6.5.1 Accessing Just Claim Manager

6.5.1.1 Just Claim Manager is only accessible to you if you have “logged in” by providing certain details as requested by Just Car Insurance on the log-in, registration and/or authentication pages of Just Car Insurance, relating to you (this information is your “Login”). You will only be able to “log-in”, generate a Login, and use Just Claim Manager if you hold at least one current Just Car Insurance policy for which Just Claim Manager is available.

6.5.1.2 The username component of your Login will be a valid email address you select. You should select an email that only you have access to, since we may communicate with you using that address.

6.5.1.3 If you hold a policy for which Just Claim Manager is available, and that policy is held in a company, trust or similar single entity name (rather than a person’s first and surname), you will need to call Just Car Insurance on 13 46 46 to register for Just Claim Manager. We can do this for you in a few minutes, since our online registration page doesn’t currently cater for certain policy name types.
6.5.1.4 You must not provide details of your Login to any other person. You must not allow any other person to use your Login. Your Just Claim Manager Login is entirely separate to any Login you use to access Just Claim Manager.
6.5.1.5 You must not use Just Claim Manager to access or modify the details of another person’s insurance claim without their clear authority. Criminal penalties may apply if you do so.
 
6.5.2 Viewing your claims in Just Claim Manager
 

When you register for Just Claim Manager you will be asked to nominate a current Just Car Insurance insurance policy for which Just Claim Manager is available. Once you have registered, you will be able to view accessible claim records under that policy. If you hold multiple policies for which Just Claim Manager is available, you will be able to use your single Login to view accessible claims from each of those policies, so long as we have permitted your policies to be linked under the same Just Car Insurance client number.

6.5.3 Permitted transactions using Just Claim Manager
During an active claim displayed within Just Claim Manager, you may have the option of changing a vehicle damage assessment booking time, paying your claim excess or completing another permitted transaction. In the case of a claim excess payment Clause 5 applies. Just Claim Manager can take up to 5 business days to update your claim excess payment status.

6.5.4 Termination of Just Claim Manager Access

Term 19 of these Online Terms applies in full.
 
6.6 Just Car Insurance iClaim Application
 
Just Car Insurance offers an application (“iClaim”) which allows Just Car Insurance vehicle insurance policyholders to collect accident-related information and notify Just Car Insurance of their intention to make a claim on their policy. The iClaim App is available at no cost from Apple on the App Store, however a user requires an iPhone, iPad or iPod Touch, a valid iTunes account and a working internet connection. The iClaim App is also available for AndroidTM compatible electronic devices from app stores such as the Google PlayTM Store or the SamsungTM app store by way of a valid store account and working internet connection. Additional Terms of Use apply to the use of the iClaim App and they are accessible when the relevant App is downloaded. If you download the iClaim App your use of it is subject to these Online Terms, insofar as they are relevant, and the additional Terms of Use. In the case of any inconsistency between the additional Terms of Use and these Online Terms, the additional Terms of Use will prevail to the extent of the inconsistency. Just Car Insurance recommends that iClaim App users set up and operate the optional PIN code, which can be accessed within the App. Please be aware that personal information such as your name, address and vehicle, which you save into the Claim Assist App or transmit to Just Car Insurance as part of your accident notification will NOT automatically update on our record of your Just Car Insurance policy. If you would like to update your policy’s details, please contact Just Car Insurance directly by calling 13 13 26 or sending an email to contactus@justcarinsurance.com.au

6.7 Just Car Insurance Claim online
Just Car Insurance Claim online (which forms part of our Main Site) (the “Claim online”) enables  holders of  Just Car Comprehensive Car Insurance policies to lodge a claim online   If you would like information about making a claim, please call Just Car Insurance on 13 13 26 at any time. Please note that unlike Just Car Insurance Just Claim Manager, access to Claim online is for Just Car Comprehensive Car Insurance policyholders only; there is no delegation of consent function. In addition to the remainder of these Online terms, the specific terms in this term 6.7 to 6.10 apply to Claim online.
 
6.7.1 Accessing Claim online 

6.7.1.1 Claim online is only accessible to you once you have provided certain details as requested by Just Car Insurance via the Claim online application.

6.7.1.2 You will be required to supply a valid email address to lodge your claim using Claim online. This email address will also be used to register you for Just Claim Manager, if you have not already registered for that application. You should select an email that only you have access to, since we may communicate with you using that address.

6.8 Lodging a claim
When you lodge a claim via Claim online, we will confirm what next steps will occur and the time they will occur in. Following the lodgement of your claim, we will tell you whether your claim has been accepted, and whether you will need to pay your policy excess. Should you require immediate assistance visit our website for further details www.justcarinsurance.com.au

6.9 No automatic update of personal information
Please be aware that personal information such as your name, address and vehicle’s details, which you enter into Claim online will NOT automatically update on our record of your Just Car Insurance policy. If you would like to update your policy’s details send us an email to contactus@justcarinsurance.com.au

6.10 Termination of Claim online access
Term 19.3 of these Online Terms applies in full.

 
7. Valuation tools, calculators, games and other features

7.1  Our Online Sites may contain or make available various tools, calculation devices, software programs, games or other features which assist you in calculating the optimal insurance policy, premium, or level of excess for you. Our Online Sites may also contain other useful information.
 
7.2  Whilst Just Car has undertaken reasonable steps to ensure that any such features or information as described in term 7.1 above are accurate and free from defect, Just Car does not warrant the accuracy, adequacy, correctness or completeness of these features, which are provided on an "as is" basis. The use by you of any of these features or any information provided is entirely at your own risk. The monetary figures used by these features in any calculations are estimates only and do not take account of your particular circumstances.

8. Just Car's standard terms and acceptance criteria apply

All applications for insurance or other products made via the Main Site are subject to and must comply with Just Car's 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 insurance products Just Car offers are contained in our Product Disclosure Statements. These documents can be accessed on the Main Site by following the headings, "Customer Centre – Policy Documents".

9. Social media content you submit to our Social Media Sites

9.1  When a user of any of our Social Media Sites ("Social Media Site User") submits any personal information or materials via a Social Media Site including text, comments, recordings, images or otherwise ("Social Media Site User Content"), the Social Media Site User, unless Just Car advises otherwise , licenses and grants Just Car, its affiliates and sub-licensees a non-exclusive, royalty-free, perpetual, worldwide, irrevocable, and sub-licensable right to use, reproduce, modify, adapt, publish and display such Social Media Site User Content for any purpose in any media (including but not limited to, company brochures and other marketing and/or advertising material), without compensation, restriction on use, attribution or liability. Just Car qualifies this term 9.1 by stating that any recruitment application or related correspondence, which is not provided by way of an open public forum or other public process will be treated by Just Car in accordance with clause 27.4

9.2  Users agree that they are fully responsible for the Social Media Site User Content they submit. Just Car shall not be liable in any way for such Social Media Site User Content to the full extent permitted by law and shall not be deemed or considered to in any way authorise, endorse, approve or support any material submitted by any Social Media Site User. Just Car may screen and/or remove and/or request that the third party operator of any social media site or website remove any Social Media Site User Content without notice for any reason whatsoever. Social Media Site Users warrant and agree that: (a) they will not submit any Social Media Site User Content that is unlawful, fraudulent, or which may breach any intellectual property rights, privacy, publicity or other right, or is unreasonably commercial (for example, a 'guerrilla marketing' attempt), defamatory, obscene, profane, derogatory, pornographic, sexually inappropriate, violent, abusive, harassing, threatening, objectionable with respect to race, religion, origin or gender, not suitable for children aged under 15, misleading or deceptive, or otherwise unsuitable for publication; (b) they will obtain prior consent to the submission of their Social Media Site User Content from all persons who appear in (for example, in photographs) or have any rights in relation to any property that appears in or forms part of their Social Media Site User Content; (c) their Social Media Site User Content will be their own original work and, to the extent that any rights in that work (including copyright) are not owned by the Social Media Site User, they will obtain full prior consent from any person who has jointly created or has any rights in the Social Media Site User Content, to the uses and terms herein; (d) their Social Media Site User Content shall not contain viruses or cause injury or harm to any person or entity or device; and (e) they will comply with all applicable laws and regulations, including without limitation, those governing copyright, content, defamation, privacy, publicity and the access or use of others' computer, mobile communications device or any other communication systems.

9.3   Without limiting any other terms herein, the Social Media Site User agrees to indemnify Just Car (and any of its related bodies corporate) for any loss or expense Just Car and/or any of its related bodies corporate may suffer in relation to any breach of the above terms.

9.4   Social Media Site Users consent to any use of their Social Media Site User Content in accordance with term 9 which may otherwise infringe their moral rights pursuant to the Copyright Act 1968, including Just Car or its affiliates and sub-licensees using and reproducing that Social Media Site User Content without attributing it to the Social Media Site User, or making modifications or adaptations to the Social Media Site User Content for the purpose of reproducing, publishing or displaying that modified or adapted content in another media. Social Media Site Users warrant and agree that they will, prior to its submission, obtain an equivalent consent from each other person who has created the Social Media Site User Content. The Social Media Site User agrees to indemnify Just Car (and any of its related bodies corporate) against all costs and claims by third parties arising from a breach of this warranty.
 
10. Warranties

Whilst reasonable steps have been undertaken to ensure that information is free from error, to the extent permitted by law, which law cannot be excluded, Just Car 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. All information is subject to change without notice. Just Car does not guarantee that any Online Site or any Third Party Site will be free from viruses, or that access to any Online Site or Third Party Site will function as intended or be uninterrupted. All terms implied by law, except those that cannot be lawfully excluded, are excluded.
 
11.  Limitation of Liability

Subject to any responsibilities implied by law and which cannot be excluded, Just Car, and its directors, employees, agents, contractors and related bodies corporate, are not liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to any Site Content, Online Site User Content, Social Media Site User Content, Third Party Material, third party services, or to access (or lack of access) to an 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.
 
12Indemnity

You indemnify Just Car (and any of its related bodies corporate) in respect of any liability incurred by Just Car (or any of its related bodies corporate) for any loss, cost, damage or expense, howsoever caused, suffered by Just Car (or any of its related bodies corporate) as a result of your breach of these Online Terms or your use of any of our Online Sites.
 
13.  No advice
 
No Online Site purports to provide you with financial product or investment advice of any kind. The information available via an Online Site does not take account of your particular financial or insurance position or requirements. Just Car suggests that you seek independent advice before acting upon any Site Content or any information found on a Third Party Site.
 
14. Availability of an Online Site

14.1  Since electronic services are subject to interruption or breakdown, access to an Online Site is offered on an "as is" and "as available" basis only.

14.2  Just Car may impose limits or restrictions on the use you may make of an Online Site. Further, for security, technical, maintenance, legal or regulatory reasons, or due to any breach of these Online Terms, Just Car may withdraw an Online Site (of part thereof) at any time and without notice to you.

14.3  Any cost associated with accessing an Online Site is the user's responsibility and is dependent on the internet or telecommunications service provider used.

15. 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 Just Car's Online Sites, you agree to abide by the terms and conditions of use contained in this term and term 16.

You agree that you will not, (either yourself or through any third party):
 
(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 Just Car's prior written permission;

(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;

(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;

(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;

(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;

(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

(g)  copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from any of our Online Sites without Just Car's prior written permission.

16.  No use of any Online Site for unrelated persons

You must only use our Online Sites (as permitted by their design) to:
  1. obtain insurance quotes;
  2. obtain other information relating to the price of insurance cover from Just Car;
  3. conduct insurance related transactions (including using any self-service function to manage your insurance policy) or queries;
in respect of insurance cover for you or a member of your immediate family (with their prior consent) or for a commercial enterprise for which you seek bona fide insurance cover.

You agree not to otherwise use any of our Online Sites to obtain insurance quotes, or to obtain other information relating to the price of insurance cover from Just Car or conduct insurance-related transactions or queries.

You also agree to indemnify Just Car in respect of any liability incurred by Just Car for any loss, cost, damage or expense, howsoever caused, suffered by Just Car as a result of your breach of this term 16.
 
17.  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.

18. Copyright and Trademarks

18.1  Copyright in the Material on an Online Site is owned or licensed by Just Car.

18.2  Except where necessary for and incidental to viewing or using the Site Content on an Online Site via your web-enabled browser (whether on a personal computer or on a portable electronic device), or as permitted under the Copyright Act 1968 or other applicable laws, no Site Content on an Online Site may be reproduced, stored (for any period of time) in an electronic or other retrieval system, adapted, uploaded to a third party location, framed, performed in public or transmitted in any form by any process whatsoever without the specific written consent of Just Car.

18.3  Just Car and each of its related bodies corporate separately reserve their copyright and all other legal rights with respect to their trademarks, whether registered or otherwise. "Just Car Insurance" and the "Just Car Insurance" registration plate-style logo are both registered trademarks of Just Car.

18.4  Third party trademarks are trademarks of the respective third parties.

19. Termination

19.1 Termination of these Online Terms

Unless otherwise stated in this term 19, these Online Terms and/or your access to our Online Site(s) may be terminated at any time by Just Car. You may terminate your use of our Online Sites at anytime. However, all restrictions, licences granted by you, and all disclaimers and exclusions of and limitations on liability of Just Car, will survive any termination. Upon termination, you must not directly or indirectly access or use the relevant Online Site(s) or any Site Content on the relevant Online Site(s).

19.2 Termination of access to the Self Service Site

Just Car reserves the right to terminate your access to the Self Service Site at any time upon notice to you. You may terminate your access to the Self Service Site at any time upon notice to Just Car, which notice must be given to Just Car either by email or telephone (the email and telephone number will be noted on the Main Site or Self Service Site (as appropriate) and may change from time and time). However, such termination will not be effective until notice of that termination is received, processed and acknowledged by Just Car.

19.3 Termination of access to Just Claim Manager

We reserve the right to terminate your access to Just Claim Manager and Claim online at any time upon notice to you. You must terminate your access and/or use of Just Claim Manager and/or Claim online if you are no longer a policyholder under the relevant Just Car insurance policy. You agree to fully indemnify us for any cost, loss or damage, however caused, arising from your continued use of Just Claim Manager and/or Claim online if you are no longer a policyholder. You may terminate your access to Just Claim Manager and/or Claim online at any time upon notice to us. That notice must be given to us by email to contactus@justcarinsurance.com.au and you must provide sufficient identifying information along with your request. However, such termination will not be effective until notice of that termination is received, processed and acknowledged by us. The limitation of liability expressed in term 19.1 also applies to the termination of Just Claim Manager and/or Claim online.

19.4 Prohibition on access post termination

Upon termination of these Online Terms and your right to access to our Online Site(s), you must not directly or indirectly access or use any part of our Online Site(s) or any Site Content.

20. Acceptance of and changes to these Online Terms

20.1  You acknowledge and accept that your use of an Online Site indicates your acceptance of these Online Terms (including Just Claims Manager and Just Car Insurance Claim online terms of use set out in term 6).

20.2  These are the current Online Terms (refer to term 34 for their date). They replace any other terms of use and privacy statement for an Online Site published on any of our Online Sites. Just Car may at any time vary these Online Terms for security, legal or regulatory reasons, or to reflect updates or changes to the services or functionality of an Online Site, by publishing the varied Online Terms on an Online Site. Just Car does not have to indicate on an Online Site that these Online Terms have changed, neither is Just Car under any obligation to specifically contact or notify you of any variation to these Online Terms. You accept that Just Car has provided you with sufficient notice of the variation by making available the current version of the Online Terms on the Online Site you use. By your use of an Online Site after any variation, you are taken to have accepted the new Online Terms.

21. Just Car's complaints resolution process

21.1  If you are dissatisfied with your dealings with Just Car in relation to your use of an Online Site please let us know by emailing us at contactus@justcarinsurance.com.au

21.2  We will review your email and contact you with a reply or to ask you for further information, if it's required. If you make a complaint and it is about a Just Car insurance policy or insurance claim, you may have additional rights of appeal, such as under Just Car's formal dispute resolution process. We will tell you if that is the case. See the "Customer Centre" tab on our Main Site for more information about how Just Car resolves complaints.

22. General
 
22.1  An Online Site may be viewed and interacted with by anyone in the world, however age limits may apply to certain Site Content (including the sale or issue of any insurance product), promotions or offers.

22.2  Just Car only offers its insurance products for sale within Australia.

22.3  The law applicable to an Online Site (including Just Car's operation of any Social Media Site), and to complaints arising from an Online Site is the law of the State of Queensland, Australia, unless the complaint relates to an insurance contract in which case relevant state or federal law will apply. By using any of our Online Sites, and except for an insurance contract dispute, you irrevocably submit to the non-exclusive jurisdiction of the courts of the State of Queensland, Australia, and appeal therefrom.

22.4  Should any term or part of these Online Terms be found to be void, unenforceable or invalid, then it is severed from this agreement, leaving the remainder in full force and effect, provided that the severance has not altered the basic nature of this agreement.

22.5  You may not rely on the words or conduct of Just Car as a waiver of any right unless the waiver is in writing. In this term "conduct" includes delay in the exercise of any right. "Right" means any right of Just Car arising under or in connection with these Online Terms or otherwise, and includes the right to rely on this term. "Waiver" includes an election between rights and remedies, and conduct which might otherwise give rise to an estoppel.

23. Linking to any of our Online Sites

Unauthorised linking to any part of an Online Site (including any part of a Social Media Site or 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 party of our Online Site(s). Only written permission from us will constitute authorisation of a link.

24. Our Online Privacy Statement starts here

24.1  By using an Online Site you accept that any personal information Just Car collects about you will be handled according to terms 24 to 32 of these Online Terms as well as:
  • Suncorp Group  Privacy Policy
  • where you acquire a product or service from us or we collect your personal information, any relevant Privacy Statement which we provide you. Our privacy statements, can be found here.
24.2  In addition to these Online Terms there may also be additional privacy provisions that apply to your use of an Online Site or as a result of your membership (or your application for membership) of a third party social media website that hosts a Just Car Social Media Site. Should you decide to register for or participate in a promotion or other activity, or purchase a product or service from us, you will be bound by the relevant terms of that promotion, activity, product or service.
 
25. Your online privacy

25.1  Notwithstanding any other term in these Online Terms, you agree and freely acknowledge that when you submit comments, recordings, images or other personal content, for public display on an Online Site, that content may be available for anyone in the world to read and/or view and/or comment on and potentially download. See terms 9 and 27 for further information about the public display of your content.
 
26. Posting public content

26.1   Unless otherwise stated, when you post a public comment or upload other public data to an Online Site, that information may be displayed by Just Car publically in accordance with terms 9, 25 and 27.  Your information may also be retained by Just Car where we believe there is a legal reason to retain it for a longer period.

27.  Information collected and how we use it

27.1 General Information
 
27.1.1  The information we will collect about you will depend on how you use an Online Site.

27.1.2  If you use an Online Site to read, browse or download information, our computer system may record information such as the date and time of your visit, the pages accessed and any information downloaded. This information may be used for statistical, reporting, site/application administration and maintenance purposes only.

27.1.3  An Online Site may offer interactive facilities including tools, games and other online features. If you use any interactive facilities, we may, but generally do not, capture any personal information which you may enter when using these tools.

27.2 Personal information submitted to an Online Site
 
27.2.1  When you as a user of an Online Site ("Online Site User"), including any Social Media Site User referred to in term 9 above, submits any personal information via an Online Site, whether in the form of text, comments, recordings, images or otherwise ("Online Site User Content") (for the avoidance of doubt, Online Site User Content includes Social Media Site User Content, as far as is relevant in the circumstances), you consent to that personal information being collected by Just Car and used and disclosed for any purpose permitted by these Online Terms, and otherwise as permitted by relevant privacy laws in Australia.

27.2.2  You agree to obtain the prior consent of any other person whose personal information (whether in the form of words, images, recordings or otherwise) you submit to us via an Online Site, including any Social Media Site. We will collect this information from you in good faith and take reasonable precautions to ensure it is handled in accordance with relevant Australian privacy laws. If you are not sure whether the other person would agree with you providing their personal information to us, please exercise caution and DO NOT provide it to us.

27.2.3  If you are using our Online Site and decide to obtain a quote or acquire a product or service, as a potential customer or customer we collect, hold, use and disclose your personal information. We have Privacy Statements that detail the information you need to know about our privacy practices when you have a relationship with us as a customer or potential customer. You will be directed to these during the quote and/or application process. Our Privacy Statements include the purposes of collection, the consequences if you do not provide your personal information, the types of persons to whom we usually disclose your personal information, details about our Privacy Policy, your access and correction rights and how to complain as well as whether we are likely to disclose your personal information overseas and to which countries. The specific information for your product or service is detailed in the relevant Privacy Statement. You should review the relevant Privacy Statement for you prior to providing us with your personal information. You should review the relevant Privacy Statement for you prior to providing us with your personal information. Please go to justcarinsurance.com.au/privacy

27.2.4    We also collect, hold, use and disclose personal information about individuals when they interact with us in a range of other ways.  These may be individuals who are not customers or they may be customers who are interacting with us in a different way.  You may be one of these people.   For example, you may: interact with us via a Social Media Site; make an online enquiry;  be a witness in a customer’s claim; or be a claimant on another customer policy.   We have Privacy Statements that detail the information you need to know about our privacy practices and how we may deal with your personal information when you interact with us in these other ways. Our Privacy Statements include the purposes of collection, the consequences if you do not provide your personal information, the types of persons to whom we usually disclose your personal information, details about our Privacy Policy, your access and correction rights and how to complain as well as whether we are likely to disclose your personal information overseas and to which countries. You should review the relevant Privacy Statement for you prior to providing us with your personal information. To view the relevant privacy statement for your dealing or interaction with us please go to justcarinsurance.com.au/privacy

27.2.5  In the case of personal information which is provided to Just Car for public display by a Social Media Site User (this includes any 'tweet' you send to Just Car on Twitter, which we may "re-tweet" to other Twitter users), Just Car may display that information to other Online Site Users or otherwise display the Online Site User Content for any purpose in any media (including, but not limited to, commercial brochures and/or other advertising material). See also term 9 for what other uses and/or disclosures Just Car may make of a Social Media Site User's personal information and what limits it imposes.

27.2.6  Just Car may collect personal information belonging to an Online Site User, such as their name, email address or social media site alias, in order to provide them with the interaction or outcome they have requested. This may require Just Car to disclose an Online Site User's personal information to one or more third parties, including but not limited to agents or external service providers.

27.2.7  If you are using an Online Site such that you are submitting your personal information, you should also first read and understand any separate privacy policy or policies that may apply to your use of any social media website that hosts our Online Site or is connected to any special function or promotion that you are entering. Just Car is not responsible to you for the information handling practices of any such third party, including any host website or service provider.

27.2.8 If you decide to enter a promotion that is made available or otherwise advertised on an Online Site you will need to agree to that promotion's separate terms and conditions, which will be drawn to your attention as part of the entry process.

27.2.9    Where practical we will collect your personal information directly from you.

27.3 Security of personal information submitted to our Main Site
 
27.3.1 All personal information you provide to our Main Site over the internet (including when our Main Site is operating within a Social Media Site as described in term 1.1) while inquiring about or obtaining an insurance quotation is passed through a secure, encrypted connection. The secure connection is over a protocol called secure sockets layer (SSL). Just Car uses a strong form of SSL encryption (128-bit), which provides a very high level of protection against unauthorised access in order to prevent unauthorised persons from reading the information you send to Just Car while it is in transit over the internet. Once your personal information has been received at our Main Site, we take all reasonable precautions to securely pass that information to the Just Car mainframe computer. The Just Car mainframe computer is not directly accessible through the internet. No details you provide to us are stored on a web server.

27.3.2    When you make an online payment on one of our Online Sites your payment card number will be passed in a secure manner between our Online Site and one or more third party providers, such as the issuer of your payment card. Your payment card number will be recorded in a mainframe computer operated by us or by another member of the Suncorp Group on our behalf, and will not be transmitted over the internet to payment card providers or payment providers. Neither we nor any payment provider we allow will store your payment card details on any web server. If your payment card number is stored it will only be for us or our financial institution’s record keeping purposes (or otherwise as required by law), and then it will be stored with an even higher level of encryption.

27.4  Recruitment information
 
27.4.1    As part of our recruitment process, we will gather information on your background, including personal information that you include on your application or resume, such as your name, mailing address, telephone number, email address, career history, details of any competency tests or other information relating to your career.

27.4.2   In some circumstances, we may also collect sensitive information about you such as information about your membership of a professional or trade association or trade union; security clearance or any criminal record(s) or charges you may have had filed against you. When we need to collect this type of information, we will obtain your consent. If it is provided to us by way of your initial application, then your consent for us collecting it will be inferred.

27.4.3    There may be occasions when we obtain personal information about you from a third party; for example, when receiving the results of a psychological or competency test or assessment centre results. When we need to collect this type of information, we will obtain your consent prior to you taking part in the exercise.

27.4.4    In relation to the collection of personal information regarding references, we will not approach any referees without your specific permission or knowledge.

27.4.5    Please be aware, if you do not provide us with the information we require, we may be limited in the Suncorp Group’s ability to consider you for employment.

27.4.6    Unless permitted by law, we will only use your personal information collected in relation to recruitment for the primary purpose of employment with the Suncorp Group.

27.4.7    Should we engage third party contractors or vendors to perform recruitment services for us, which involve handling your personal information, we will take reasonable steps to prohibit these parties from using your personal information except for the purposes for which it was supplied.

27.4.8    In instances where we engage a third party recruitment agency to assist with our recruitment efforts, we will ensure that their privacy policy commitments compliment ours.

28. 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.

29. Your privacy rights and complaint resolution

29.1  If Just Car has collected your personal information through your use of a an Online Site, then you have a right to access, update or correct that personal information. You also have the right to make a complaint about your privacy. Click here to find out the contact points should you have an information access or correction request or privacy concern relating to your use of an Online Site.

29.2    We will review your correspondence or request and contact you with a reply or to ask you for further information, if required. We respect your legal right to access and correct your personal information and will respond to your request within a reasonable time. We will ordinarily not charge you a fee to access your personal information, however in some circumstances we may elect to charge you a reasonable fee for access, as permitted by law.

29.3   If you make a complaint about your privacy you may have additional rights of appeal, such as under our formal dispute resolution process. We will tell you if that is the case. See the “Making a Privacy Complaint” part of our main website for more information about how we resolve privacy complaints.

30.  Cookies
 
30.1  The Main Site uses "cookies" as a fundamental part of its interaction with your internet browser. Our other Online Sites may also use cookies as part of their interaction with your internet browser. Cookies enable Just Car to provide you with a superior, customer-oriented service. A "cookie" is a small text file placed on your computer by our web server. A cookie can later be retrieved by Just Car's website servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your browser. Cookies do not alter the operation of your computer or mobile device in any way.

30.2  Cookies are primarily used by Just Car on its Main Site to enable the online insurance quotation process. Most of the Main Site operates by use of cookies. Therefore, if you wish to make full use of the Main Site, or any of our other Online Sites, it is recommended that you accept cookies. Cookies may also be used to collect and use information for a range of purposes, including; to maintain and improve the operation of internet sites across the Suncorp Group; to track user preferences and product requirements to customise Suncorp Group internet sites and improve advertising relevance. We may also have an arrangement with third parties who may use our cookies to improve our advertising relevance to you on their site.

30.3  Third Party Sites such as social media sites which host our Social Media Sites may also use cookies. You should refer to their respective terms or use and privacy policies for details
 
These Online Terms are dated 30 June 2014.