Website Terms of Use

Welcome to the HBF website

By accessing or using this website, you agree to be bound by the following terms and conditions, as amended from time to time (the Terms of Use). Do not use this website if you do not agree to these Terms of Use.

The Terms of Use include our Privacy Policy and any additional terms and conditions outlined elsewhere on this website.

"HBF" means HBF Health Funds inc incorporated in Western Australia ARBN 126 884 786, and its related bodies corporate.

Any reference to "we" and "us" in these Terms of Use is a reference to HBF, and "our" has a similar meaning.

This website also serves as a portal to a network of different sites, some of which are owned and operated by us, and others which are owned and operated by third parties. Any reference to "our website" or "this website" is a reference to those web pages contained within the domain www.hbf.com.au and any sub-domains.  Any reference to "Members" is a reference to an approved HBF health fund.

We may change these Terms of Use at our discretion at any time without notice. Your use of this website after any such changes constitutes your acceptance and agreement to comply with and be bound by the amended Terms of Use. We will make reasonable efforts to bring any changes to the attention of our users, but you should also check this page regularly to familiarise yourself with any updates. These Terms of Use apply exclusively to your access to, and use of, this website and do not alter in any way the terms or conditions of any other agreement you may have with us for products, services or otherwise.
If you become aware of any use of our site that you think is not complying with these Terms of Use, please contact us.

Personal Use

This website is provided for personal, non-commercial use only. Unless otherwise agreed with us in writing, you must not make any use of this website for commercial gain. You may not reproduce or replicate any information or any part of this website, including the layout of the website, individual elements of the website design or text, sounds, graphics, animated elements or any other content of this website without HBF’s prior written agreement.

If you have any questions about advertising on our website, or the commercial use of any of the services we provide, please contact us.

Privacy

As one of Australia's leading health insurers, the privacy of all information regarding our Members and website users is of utmost importance to us. For information about our collection and use of information in connection with this website, please read our Privacy Policy.

If you specifically and knowingly provide any personal information to us via this website, you consent to HBF using that personal information lawfully at its sole and absolute discretion, including for the purposes of providing promotional and marketing materials. You must obtain the consent of any third person whose personal information you post to this website.

Disclaimer

This website has been prepared solely for the purpose of providing information to users about HBF and its services. The information contained in this website has been provided by us in good faith and on an "as is" basis.  The information is believed to be accurate and current at the date the information was placed on the website.  HBF makes no representation or warranty as to the reliability, accuracy, completeness or suitability of the information contained on this website or links provided on the website or that the website will be uninterrupted or error free. The information in this web site may include inadvertent and occasional errors.  You must make your own assessment of the information and rely on it wholly at your own risk.

This website and its content do not contain any express or implied warranties of any kind, including implied warranties of title or implied warranties of merchantability, satisfactory quality or fitness for any particular purpose.

HBF excludes, to the maximum extent permitted by law:

• all liability whatsoever in relation to use of this website and the information contained in it, including any reliance on such information and loss or damage caused by HBF's negligence, a breach of your computer's security, the transmission of any computer virus, any breach of these terms or otherwise;
• all warranties in respect of this web site and the information contained in it (including the content of or use of this web site, the security of your computer in accessing this web site, computer viruses, the availability, uptime and security of this web site and the integrity of data accessed through this web site);
• any liability which might arise as a result of the contents of these pages or this website.

You specifically agree that HBF shall not be responsible or liable for:

• any unauthorised access to or alteration of your transmissions or data, any material or data sent or received or not sent or received, or any transactions entered into through our website;
• any threatening, defamatory, obscene, offensive or illegal content or conduct of any party or any infringement of another's rights, including intellectual property rights; or
• any content sent by any third party using and/or included in this website or any service available from this website.

Certain content displayed on this website may be sourced from, and certain links on or from this website may lead to, sites and resources located on servers maintained by others over whom we have no control. We make no representation as to, and accept no liability for, the use of such content or such links or the accuracy or any other aspects of that content or the information.

Intellectual property

As between you and HBF, the contents of this web site (including all layouts, applets, text and graphic images in this site) are copyright HBF or companies in the HBF Group, unless stated otherwise.

You may access and display these pages on a computer or a monitor, and print out for your personal use any whole page or pages in this web site. All other use, copying or reproduction of any part of this web site is prohibited (save to the extent authorised by law notwithstanding this provision). Without limiting the foregoing, no part of this web site may be reproduced on any other internet site.

Intellectual property rights in certain material on or processes used in constructing or accessing this web site may be the property of third parties. If you seek to reproduce or otherwise use any such material or process in any manner, which would involve the exercise of the rights of the intellectual property owner, it is your responsibility to obtain authorisation for that reproduction or other use from the relevant third party or parties.
You may not remove or alter any copyright notice, which appears in conjunction with any applets, text or graphics in this web site.

Trade Marks

All trade marks and logos (Marks) displayed on the website are proprietary to their respective owners and are protected by applicable trademark and copyright laws.

Waiver of Legal Right

If you breach any of these Terms of Use, and HBF has knowledge of that breach, a failure to pursue legal action or to enforce any remedy against you will not constitute a waiver of HBF's legal rights.

Any waiver of these Terms of Use will only be effective if it is in writing and signed by HBF.

Linking to this website

You may link to our website for non-commercial purposes. If you are interested in linking to our website for commercial purposes, or becoming otherwise affiliated with HBF, please contact us.

Governing Law

Unless expressly stated to the contrary, these Terms of Use are governed by the laws of Western Australia. You submit to the non-exclusive jurisdiction of the courts of Western Australia and any courts which may hear appeals from those courts in respect of any proceedings in connection with these Terms of Use.

HBF has the right to commence and prosecute any action or proceeding before any court of competent jurisdiction to obtain injunctive or other relief if HBF considers (in its discretion) that such action is necessary or desirable.
In the event that any part of these Terms of Use are deemed by a court to be invalid, those invalid Terms of Use shall be excised and the remaining provisions shall remain in full force and effect.

Version Information

These Terms of Use were last updated in March 2008.