Websurance
Pty Ltd ACN 120 223 270
Terms of Websurance Service
Last Updated: 20 January 2010
SUMMARY
Welcome to the Websurance Service, Australia's first Internet service
allowing insurance brokers to post insurance Placement Slips for
review by Registered Insurers and Wholesale Brokers. Websurance provides brokers with the ability to have multiple Registered
Insurers and Wholesale Brokers review their Placement Slips and the Websurance
Service allows brokers to evaluate Registered Insurer and Wholesale Broker
responses efficiently within the required timeframe set by the broker and may effectively reduce the possibility of oversight.
The Websurance Service provides a forum for Websurance Brokers to post
Placement Slips and for Registered Insurers and Wholesale Brokers to review
Placement Slips only. Websurance does not guarantee any specific results from
your use of the service and any Agreements to Insure are outside the scope of
this service.
To use the Websurance Service you must agree to the Websurance Terms of
Service. Please read these Terms of
Service carefully, if you agree to be bound by these Terms of Service, you will
be able to use the Websurance Service after confirming your agreement by
clicking on the "Accept Terms/Submit" button. Please print and save a copy of these Terms
of Service for your records. If you do
not understand any portion of the Terms of Service or have questions, please
contact Websurance at info@websurance.com.au.
Terms of Service
Websurance
Service uses a number of Terms which are defined as set out below:
"Activate" means
the Placement Slip has been entered into the Websurance Insurer's Current
Placements however a response document has not been submitted yet but presumed in
preparation
"Agreement to Insure" means an
Agreement between a Websurance Insurer and a Websurance Broker to insure as a
result of the issue of a Placements Slip and a Response. Such an Agreement is
outside the scope of the Websurance Service.
"Broker Accepted" means
that the Websurance Broker has provided its acceptance of the offer made by the
Websurance Insurer.
“Insurer Confirmed”
means a message sent by a Websurance Insurer to a Websurance Broker via the
Websurance Service that a Broker’s acceptance of the Websurance Insurer’s offer
has been accepted by the Websurance Insurer and that a policy will be issued
according to the Terms of Placement. A Websurance Insurer may elect to confirm
a Brokers Placement Slip via direct message to the Websurance Broker outside of
the Websurance Service.
"Insurer Declined"
or “Decline” means that a Websurance
Insurer has rejected:
(a) the terms
of a Placement Slip issued by a Websurance Broker, or
(b) the issue of a Broker Accepted in accordance with
clause 5.4.1; and
no
Agreement to Insure is created.
"Placement Slip" means a Websurance Broker
issued a request for insurance completed with all terms necessary for a
Websurance Insurer to understand accurately and completely a Websurance
Broker's insurance requirements and all material facts about the request for
insurance. A Placement Slip may include
multiple electronic documents.
“Registered Insurance Broker”
means a Broker with an AFS Licence, or an authorised representative of an AFS
Licence Holder, and who is registered and licensed with Australian Securities
and Investments Commission (ASIC).
"Registered Insurance Company" or
“Registered Insurer” means an insurance company or underwriting
agency that is registered with the Insurance Council of Australia [www.insurancecouncil.com.au]
or is registered to do business in relevant jurisdiction and has executed an
Agreement to participate in the Websurance Service.
"Response" means a Broker Accepted
or a Insurer Declined sent or other communication sent from a Websurance
Insurer to a Websurance Broker.
“Terms of Placement” means acceptance criteria and any other terms specified in a Placement
Slip and Response.
"User" means a
Websurance Broker or a Websurance Insurer who is in good standing pursuant to
their Agreement permitting use of the Websurance Service.
"Visitor" means a
person who may view certain information on the Websurance Service but may not
post information on the Websurance Service or interact with Websurance Brokers
or Websurance Insurers using the Websurance Service.
"Websurance" means Websurance Pty Ltd ACN 120 223 270.
"Websurance Account" means Websurance Service user's records
compiled from the use of the Websurance Service.
"Websurance Broker" means a Registered
Insurance Broker who has registered with the Websurance Service, has obtained a
Websurance password and who has agreed to comply with the Websurance Terms and
Conditions, but does not include a Wholesale Broker.
"Websurance Broker
Registration Form" means the complete document submitted by a Visitor
to Websurance for review.
"Websurance Insurer"
means:
(a) a Registered Insurance Company that has
executed, and who is in compliance with, the Websurance Service Agreement and
has obtained a Websurance password; and
(b) unless expressly specified otherwise, a
Wholesale Broker.
“Websurance Licence Fee” means the fees paid by Websurance Insurers to participate in the
Websurance Service.
"Websurance Privacy Policy"
means the current privacy policy located at http://www.websurance.com.au/privacypolicy.aspx
"Websurance Service"
means the service located at www.websurance.com.au.
"Websurance Transaction Fee"
means the fees due to Websurance for the use of the Websurance Service as set out in clause 4. Unless otherwise
expressly agreed in writing by Websurance, the Websurance Insurer will remit
the Websurance Transaction Fee to Websurance.
All Websurance Transaction Fees are non-cancellable, and are
non-refundable.
“Wholesale Broker” means a
broker who specialises in a certain field of insurance or may have an
arrangement with a Registered Insurer to the extent that the Registered Insurer
will only issue offers to insure for a particular policy class via the
Wholesale Broker. Some policy classes can only be insured through a Wholesale
Broker.
By using the Websurance Service, you are bound by the Websurance Terms of
Service, and all applicable laws and regulations, whether you are a Websurance
Broker or Websurance Insurer or a Visitor.
Except where expressly provided otherwise, reference in these Terms of
Service to a Websurance Insurer is a reference to a Wholesale Broker, and the
obligations and rights in those terms attach to both Registered Insurance
Companies and Wholesale Brokers. Where reference is made to a Wholesale Broker
only (for example clause 3.10), then that reference is limited to Wholesale
Brokers to the exclusion of Registered Insurance Companies.
1
SCOPE OF
WEBSURANCE TRANSACTIONS
1.1 The
Websurance Service assists Websurance Brokers and Websurance Insurers to post
Placement Slips, find Placement Slips, evaluate Placement Slips and potentially
enter into an Agreement to Insure.
1.2 Websurance Brokers may
create Placement Slips and post Placement Slips on the Websurance Service.
1.3 The
Websurance Service allows Websurance Insurers to evaluate Placement Slips from
various Websurance Brokers and determine which Placement Slips may be
appropriate to pursue for further information.
1.4 Websurance
Insurers may communicate with Websurance Brokers regarding any Placement Slip
by:
(a) submitting an offer via the “Submit an Offer” option;
(b) asking follow up questions via the “Post a Message” option, or
(c) submitting a Response.
1.5 Websurance
Insurers are not required to Activate or issue any response to any Placement
Slip and may choose only to review Placement Slips without taking any further
action.
1.6 Websurance
Brokers agree that not all Placement Slips will be reviewed, accepted or
rejected by Websurance Insurers and agrees that Websurance does not guarantee
that any or all Placement Slips posted by a Websurance Broker will lead to an
Agreement to Insure.
2
REGISTRATION
2.1 Application: Visitors wishing to become
Websurance Brokers or Websurance Insurers will have to apply to Websurance to
participate in the Websurance Service.
2.2 Broker Application Process: Websurance Brokers may apply
by completing the Websurance Broker Registration Form located at http://www.websurance.com.au/register.aspx
2.3 Broker Application Information: The Websurance Broker
Registration Form will include all information reasonably required from time to
time by Websurance, and may include but not limited to, confirmation of
Websurance Broker's identity, AFS Licence number confirmation of AFS
Licensee or Authorised Representative, and other relevant background
information reasonably required to assess Broker qualifications.
2.4 Requirement of Continuous Updating of
Broker's Information:
All Websurance Brokers agree to immediately inform Websurance of any
changes to any information submitted in the Websurance Broker Registration Form
that may occur during the period Websurance Broker is registered with the
Websurance Service.
2.5 Insurer Application Process: Websurance Insurers may apply to Websurance
to become a User by following http://www.websurance.com.au/register.aspx
2.6 Registered Insurer Application Information:
Registered Insurers wishing to become Users of
the Websurance Service must enter into a separate agreement with
Websurance. Such an agreement may
include but is not limited to confirmation of Websurance Insurers’ identity,
details of Insurance Council of Australia (ICA)
membership (and/or other relevant jurisdiction) and various other details to
ensure payment of Websurance License and Transaction Fees. Websurance Insurers must select the Policy Class for each
Websurance registration.
2.7 Wholesale Broker Application
Information: The Websurance Wholesale Broker
Registration Form will include all information reasonably required from time to
time by Websurance, and may include but not limited to, confirmation of
Websurance Broker's identity, AFS Licence number confirmation of AFS
Licensee or Authorised Representative, and other relevant background
information reasonably required to assess Wholesale Broker qualifications. This
may also include confirmation that the Wholesale Broker has the facility
to broker certain insurance business of the type referred to under the
Websurance Policy Class..
2.8 Websurance Evaluation of
Applications:
Websurance may reject any application from a Visitor in its sole
discretion. Notwithstanding the foregoing, Websurance shall at all times
comply with all applicable laws and regulations in its evaluation of all
applications.
2.9 Acceptance of Application: Upon acceptance of an application by Websurance, the Visitor will
become a User and will be able to use the Websurance Service.
3
Terms applicable to WEBSURANCE BROKERS
3.1 A Websurance Broker must ensure that if any information supplied in the
Websurance Broker Registration Form changes during the term of membership with
the Websurance Service, or is incorrect or becomes incorrect or incomplete, it
is the obligation of the Websurance Broker to immediately update the
information and ensure it is current.
3.2 A Websurance Broker does not need to respond to questions from
Websurance Insurers, but where a Websurance Broker sees fit, they must respond
accurately and professionally to Websurance Insurers.
3.3 A Websurance Broker must ensure that information posted in any Placement
Slip is accurate. A Websurance Broker shall not post incomplete,
misleading, repetitive Placement Slips or any Placement Slip which is not
intended to result in an Agreement to Insure.
3.4 A Websurance Broker must delete or otherwise withdraw
all Placement Slips that the Websurance Broker has posted that have expired or
are no longer active or which do not contain accurate and complete information
as soon as practicably possible.
3.5 Except
for when clause 5.4.1 applies, upon acceptance ("Broker Accepted") by a
Websurance Broker, a policy will come into effect pursuant to the Terms of
Placement. Websurance Insurer may use
the “Insurer Confirmed“ feature of the Websurance Service to confirm issuance
of policy or other communication to the Websurance Broker in sole discretion of
Websurance Insurer.
3.6 If
a policy comes into effect pursuant to section 3.5, Websurance Broker must
promptly complete all further requirements related to that policy that may be
imposed by the Websurance Insurer.
3.7 A
Websurance Broker understands that the Websurance Service is monitored by
Websurance as set out in clause 11.1. Websurance may monitor performance of the site and can
review any transaction and may delete any information posted on the Websurance
Service which Websurance in its sole discretion determines to be inaccurate, or
detrimental to the Websurance business.
3.8 Websurance may terminate any Websurance Broker or Websurance Insurer for
non compliance with these terms of Service. and Websurance Broker agrees that Placement Slips or other posting by a Websurance Broker may
be deleted for any reason in the sole discretion of Websurance without any
penalty or liability to Websurance, a Websurance Insurer or other third party.
3.9 Websurance Brokers agree that any Agreement to
Insure is outside the scope of this Websurance Service. However the Websurance
Broker and Websurance Insurer may at any time after an Agreement to Insure has
been formed revise the terms of the Agreement to Insure.
3.10 Websurance Brokers acknowledge and agree that a Wholesale Broker is not
a Registered Insurer, but acts as an intermediary for certain policy classes
and Registered Insurers. Some policy classes can only be insured with
Registered Insurers by going through a Wholesale Broker. A Wholesale Broker may
Decline the issue of a Broker Accepted under clause 5.4.1 if the Websurance
Broker has not complied with the Terms of Placement (for example, by signing a
Wholesale Broker’s agreement).
3.11 All monetary values set out in any communication made on the Websurance Service are in Australian
dollars unless otherwise expressly stated.
3.12 All times set out in any communication made on
the Websurance Service are in local standard time unless other expressly
stated.
4
Websurance TRANSACTION Fee
4.1 Subject to clause 4.5, a Websurance Insurer agrees to pay
the then current Websurance Transaction Fee which becomes payable when a Broker Accepted is sent by a Websurance
Broker.
4.2 The current Websurance Transaction Fee for Websurance Insurers
(excluding Wholesale Brokers) is AUD$44 dollars (inclusive of GST). For
Wholesale Brokers it is to be determined at the time of registration.
4.3 Websurance reserves all rights to change the Websurance Transaction Fee
at any time.
4.4
Prior to the imposition of any revised
Service Fee, Websurance will enable a Websurance Insurer to opt out of the
Websurance Service.
4.5
The Websurance Transaction Fee does not
apply in the circumstances set out in clause 5.4.1.
5
Terms applicable to Websurance Insurers
5.1 A Websurance Insurer must ensure that if any information supplied to
Websurance during the term of membership with the Websurance Service, changes
or is incorrect or becomes incorrect or incomplete, it is the role of the
Websurance Insurer to update the information, and ensure it is current.
5.2 A Websurance Insurer may contact Websurance Brokers in relation to any Placement
Slip. A Websurance Insurer may only submit an offer to insure by using the
“Submit an Offer” option. This ensures the Websurance Broker is aware an offer
has been made by then providing them with an “Accept Terms” or “Decline Terms”
option. A Websurance Insurer must not submit an offer using the “Post a
Message” option.
5.3 A Websurance Insurer is under no obligation to respond to any or all Placement
Slips on the Websurance Service.
5.4 Subject to clause 5.4.1, if a Websurance Broker issues a response which
is a Broker Accepted, Websurance Insurer agrees to issue a policy based on the
offer made by the Websurance Insurer and set by the Terms of Placement. Websurance Insurers agree to complete all documentation required
by the Websurance Broker to finalise the transaction.
5.4.1 Websurance Insurer may Decline a Broker Accepted response if it falls outside the terms and conditions of the Websurance Insurer Response.
5.5 A Websurance Insurer must promptly complete all Websurance Broker's
requirements to implement any agreements to insure which result from the
Websurance Insurer’s use of the Websurance Service.
5.6 A
Websurance Insurer understands that the Websurance Service is monitored by
Websurance as set out in clause Websurance may monitor performance of the site and can
review any transaction and may delete any information posted on the Websurance
Service which Websurance in its sole discretion determines to be inaccurate, or
detrimental to the Websurance business.
5.7 Websurance may terminate any Websurance Broker or Websurance Insurer for
non compliance with these terms of Service. and Websurance
Insurer agrees that any posting by a Websurance
Insurer may be deleted for any reason in the sole discretion of Websurance
without any penalty or liability to Websurance, a Websurance Broker or other
third party.
5.8 Websurance Insurers agree that any Agreement
to Insure is outside the scope of this Websurance Service. However the
Websurance Insurer and Websurance Broker may at any time after an Agreement to
Insure has been formed revise the terms of the Agreement to Insure.
6
TERM
6.1 Websurance Brokers and Websurance Insurers shall be allowed to use the
Websurance Service provided that they are not in default of any of the
Websurance Terms of Service.
6.2 Websurance Brokers and Websurance Insurers may
cease to be a member of the Websurance Service at any time by sending an email
to Websurance at info@websurance.com.au
7
ACCURACY OF INFORMATION
7.1 Websurance bears no responsibility for any accuracy or completeness of
any information posted on the Websurance Service by Websurance Brokers or Websurance Insurers.
8
Mistakes in Broker Accepted or Response
communication
8.1 If a Websurance Broker accepts a Response in error, it is the Websurance
Broker's responsibility to contact the Websurance Insurer and correct the
mistake. Websurance will co-operate
and provide contact details.
8.2 If a Websurance Insurer issues a Response in
error, it is the Websurance Insurers' responsibility to contact the Websurance Broker
to correct the mistake. Websurance will co-operate and provide contact details.
8.3 Websurance accepts no liability whatsoever resulting from an unintended
or incorrect issuance of a Placement Slip, or acceptance of a Response.
9
Websurance
Privacy Policy
9.1 The Websurance Privacy Policy is located at http://www.websurance.com.au/privacypolicy.aspx and incorporated into these Terms of Service and shall apply to all
communications made pursuant to the Websurance Service.
9.2 Websurance's privacy policy allows, amongst other things, Websurance to
use any and all information collected pursuant to the Websurance Service for
its business purposes including but not limited to the creation of Websurance
reports including but not limited to a report that details the whole
transaction from beginning to end that will be issued to the broker and the
insurer once the business is accepted.
Websurance may also collect statistics such as the number of particular
transactions for a particular policy class and then relative to the insurer,
the number of transactions Activated and Confirmed,
9.3 All Websurance Brokers and Websurance Insurers agree to comply with the
Websurance Privacy Policy.
10
PASSWORD
10.1
After successful application to become
a Websurance Broker or Websurance Insurer, Websurance Brokers and Websurance
Insurers will be issued with a password. Websurance Brokers and Websurance
Insurers are entirely responsible for maintaining the confidentiality of the
password. Websurance Brokers and Websurance Insurers agree not to intentionally
misuse the Websurance Account or the password of any other user of the
Websurance Service at any time or to disclose the password to any third party.
10.2 Websurance Brokers and Websurance Insurers agree to notify Websurance
immediately if it is suspected that there has been any unauthorised use of a
Websurance Account or access to a Websurance password. Websurance Brokers and
Websurance Insurers are solely responsible for any and all use of passwords and
Websurance Accounts.
11
Regulation and Monitoring the Websurance
Site
11.2 Websurance may terminate any Websurance Broker or Websurance Insurer for
non compliance with these terms of Service.
12
PROHIBITED ACTIVITY ON WEBSURANCE SITE
12.1
The following is a partial list of the
kind of activity that is prohibited on the Websurance Website. Websurance reserves the right to investigate
and take appropriate legal action against anyone who, in Websurance's sole
discretion, violates this provision, including without limitation, reporting
Users to law enforcement authorities. Prohibited activity includes, but is not
limited to, any activity in the sole discretion of Websurance that is:
12.1.1 in breach of any law or regulation or may be considered to be criminal or tortious activity;
12.1.2 an unauthorised commercial activity, or use of the Websurance Services, including but not limited to transmitting any commercial messages, chain letters or junk email to other users. It is also a violation of this Agreement to use any information obtained from the Websurance Services in order to contact, advertise to, solicit, or sell to any user without their prior explicit consent;
12.1.3 consists of spamming or spam like behaviour.
12.1.4 interfering with, disrupting, or creating an undue burden on the Websurance Services or the networks or services connected to the Websurance Services;
12.1.5 selling or otherwise transferring Websurance membership; or
12.1.6 using any information obtained from the Websurance Services in order to harass, abuse, or harm another person.
12.2 If a Websurance Broker or Websurance Insurer becomes aware of misuse of
the Websurance Services by any person, Websurance requests Users to contact
Websurance at info@websurance.com.au.
13
Proprietary Rights in Content on
Websurance.com and Websurance Services
13.1 Websurance or Websurance's licensors own all rights, title and interest
in any content posted by Websurance on the Websurance site including but not limited to its copyright material and its
trademarks.
13.2 Except as otherwise expressly authorised by a User, Websurance does not
claim any ownership rights in the text, information, files, images, works of
authorship, or any other materials that Users create, upload, display or
publish using, or to, the Websurance Services.
14
User Disputes
14.1 Websurance Brokers and Websurance Insurers are solely responsible for
their interactions with other Users of the Websurance Service. Websurance reserves the right, but has no
obligation, to monitor disputes between Websurance Brokers and Websurance
Insurers and other Users of the Websurance Service.
15
Disputes
15.1 If Websurance Brokers and Websurance Insurers have any dispute about or
involving the Websurance Services which relates to Websurance itself,
Websurance Brokers and Websurance Insurers agree that the dispute shall be
governed by the laws of the State of New South Wales, Australia, without regard
to conflict of law provisions and Websurance Brokers and Websurance Insurers
agree to exclusive personal jurisdiction and venue in the state and federal
courts of Australia located in Sydney, New South Wales.
15.2 Either Websurance or Websurance Brokers and Websurance Insurers may
demand that any dispute between Websurance and Websurance Brokers and
Websurance Insurers about or involving the Websurance Services must be settled
by independent arbitration utilising the dispute resolution procedures as
determined from time to time by Websurance at its sole discretion, provided
that the foregoing shall not prevent Websurance from seeking injunctive relief
in a court of competent jurisdiction.
16
Disclaimers
16.1 Websurance takes no responsibility for the ACCURACY
of any information supplied by any third party, including but not limited to
Websurance Brokers, Websurance Insurers, third party advertisements which may
be posted on the Websurance SERVICE, nor does it take any responsibility for
the goods or services provided by any third party including but not limited to
Websurance Brokers and Websurance Insurers.
16.1.1 Websurance is not responsible for the conduct, whether online or offline, of any user of the Websurance Services.
16.1.2 Websurance is not responsible for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, information posted on the Websurance Service.
16.1.3 Websurance is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, due to technical problems or traffic congestion on the Internet or on any of the Websurance Services or combination thereof, including any injury or damage to Users or to any person's computer related to or resulting from participation or downloading materials in connection with the Websurance Services.
16.1.4 Under no circumstances shall Websurance be responsible for any loss or damage, including economic loss due to failure of any Agreement to Insure to issue, personal injury or death, resulting from use of the Websurance Services, attendance or participation in a Websurance event or promotion, from any Websurance Content posted on or through the Websurance Services, or from the conduct of any Users of the Websurance Services, whether online or offline.
16.1.5 The Websurance Services are provided "as is" and as available and Websurance expressly disclaims any warranty of fitness for a particular purpose or non-infringement.
16.1.6 The Websurance Service provides a forum only for Websurance Brokers to post Placement Slips and for Websurance Insurers to review Placement Slips. Websurance does not warrant any other result from the use of the Websurance Service.
17
Limitation on Liability
17.1 IN NO EVENT SHALL WEBSURANCE BE
LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY,
INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT DAMAGES ARISING
FROM YOUR USE OF THE SERVICES, EVEN IF Websurance
HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING
TO THE CONTRARY CONTAINED HEREIN, WEBSURANCE’S LIABILITY TO YOU FOR ANY CAUSE
WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE
LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO WEBSURANCE FOR THE WEBSURANCE
SERVICES DURING THE TERM OF YOUR USE OF THE WEBSURANCE WEBSITE.
18
Indemnity
18.1 Websurance Brokers and Websurance Insurers agree to indemnify and hold
Websurance, its subsidiaries, and affiliates, and their respective directors,
officers, agents, sponsors, partners and employees, harmless from any loss,
liability, claim, or demand, including reasonable legal fees, made by any third
party due to or arising out of your use of the Websurance Services in violation
of these Terms of Service or arising from a breach of these Terms of Service or
any breach of Websurance Brokers and Websurance Insurers representations and
warranties set forth above or if any content that Websurance Brokers and
Websurance Insurers post on the Websurance Service or through the Websurance
Services which causes Websurance to be liable to another.
19
Other
19.1 This Agreement is accepted upon Websurance Brokers and Websurance
Insurers use of the Websurance Service and is further affirmed by Websurance
Brokers and Websurance Insurers becoming a User. The failure of Websurance to
exercise or enforce any right or provision of this Agreement shall not operate
as a waiver of such right or provision. The section titles in this Agreement
are for convenience only and have no legal or contractual effect. Websurance, websurance.asia,
websurance.com.au, websurance.org, websurance.mobi, websurance.co.nz,
websurance.net.au, websurance.biz, websurance.info, websurance.us,
websurance.co.in are
proprietary to Websurance. This
Agreement operates to the fullest extent permissible by law. If any provision
of this Agreement is unlawful, void or unenforceable, that provision is deemed
severable from this Agreement and does not affect the validity and
enforceability of any remaining provisions.
20
Modifications to these Terms of
Service
20.1 Websurance may modify these Terms of Service from time to time and such
modification shall be effective upon posting by Websurance on the Websurance
Service. Websurance Brokers and Websurance Insurers agree to be bound to any
changes to this Agreement when Websurance Brokers and Websurance Insurers use
the Websurance Services after any such modification is posted.
20.2 Portions of the Websurance site may be operated by Websurance but
subject to additional terms of service or may be operated
by third parties who offer their own terms of
service. In either case Websurance
Brokers and Websurance Insurers may be required to agree to further terms of
service to proceed with those sections of the Websurance site.
20.3 Websurance may be contacted at: info@websurance.com.au with any
questions regarding this Agreement.