133 423

Terms of Use

These Terms of Use apply exclusively to your access to and use of, this website and HBF app products ('app'), (collectively the '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.


By accessing or using either the HBF website or any HBF apps (hereafter together referred to as ‘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 the website if you do not agree to these Terms of Use:

  • These Terms of Use include a Privacy Statement which explains how we use, manage, store and disclose your personal information when you use the website (as noted above the term ‘website’ is defined to mean both the HBF website and our HBF apps). They also incorporate the HBF Privacy Policy and any additional Privacy Collection Statements that you will have been provided with as a result of entering into a relationship with HBF, for example by taking out a health insurance policy or as a participant of HBF Fitness. A link to HBF Privacy Collection Statements can be found on our Privacy webpage.
  • The Terms of Use also include any additional terms and conditions outlined elsewhere on this website;
  • "HBF" means HBF Health Limited (ABN 11 126 884 786) and its related bodies corporate; and
  • 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.


The website is provided for use by Australian residents only. The products and services offered by HBF or on the website are not directed at anyone outside of Australia.

If you are accessing the website using a mobile device or phone ('device'), you may have limited viewing or restricted access to the information provided on the website. Accordingly, you may not be able to access the website fully. In order to access all services, it may be necessary for you to access HBF's website using a computer.

If you are using the app, you will need to download the app to your device and ensure that you regularly download and install all relevant updates.


HBF will actively take steps to protect the information you provide to us via the website. However, HBF cannot guarantee that the information you transmit over the website or via the internet generally will be secure. There are risks in using the website notwithstanding our efforts to secure and encrypt information you send us. Therefore, you accept that any information you provide us is at your own risk.

HBF recommends that you maintain up-to-date anti-virus, anti-malware and anti-spyware software on your computer or device. If you are using a device to access the website, additional steps you should take include:

  • enabling a passcode lock on the device and if it allows access via fingerprint, facial recognition or other form of physical attribute (biometric data) controlling the persons that may access the device via stored biometric data;
  • disabling features that may be accessible without entering passcodes;
  • making sure you regularly update the device's firmware;
  • enable privacy settings on the device's browser; and
  • disabling Bluetooth and Wi-Fi on the device when it is not being used.


HBF may provide certain features or services through the app that rely on device-based location information, which use GPS (where available), Wi-Fi hotspot and mobile phone tower location information.

In order for location services to work, HBF must collect, use, transmit, process and maintain your location data, including the real-time geographic location of your device. If location services are enabled on your device, you agree and consent to HBF's collection, use, transmission, processing and maintenance of location data to provide services to you. You can turn off location services by deactivating the option on your device.


HBF does not control any Content you post on the app or any Content posted on the app by a third party. Accordingly, HBF does not guarantee the accuracy, authenticity, integrity or quality of such Content. You understand this and agree that your use of the app and any Content is solely at your own risk. You understand that all Content, whether publicly posted or privately transmitted on the app is your responsibility.

HBF are not responsible for any Content you upload, download, post, email, transmit, store or otherwise make available through your use of the app. You understand that by using the app you may encounter Content that you may find offensive, indecent, or objectionable, and that you may expose others to Content that they may find objectionable.

In these Terms of Use, 'Content' means any information developed, created, used or placed on the app by you or a third party. This includes but is not limited to, written text, photographs, data, software, music, graphics, images, sounds, videos and messages.


You acknowledge that HBF has the right, but not the obligation, to monitor any materials submitted by you or otherwise available on the website, to investigate any reported or apparent violation of these Terms of Use, and to take any action that HBF in its sole discretion deems appropriate.

In using the website, you agree and undertake to HBF that you will not infringe the intellectual property rights of any party.


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.


HBF Health Limited (HBF) complies with the Privacy Act 1988 (Cth) to ensure that your personal (including sensitive) information (Information) is protected.  HBF will use the Information collected to enable you to utilise the website to manage the health information you upload onto the website.  We may not be able to perform this function or only perform it to a limited extent if you do not provide us with your Information.  We may disclose your personal information if required by law.

The personal information collected by HBF is separate from, and without prejudice to, any other Information concerning you, collected and held by HBF. HBF collects, uses and discloses your Information in accordance with our Privacy Policy which is available at www.hbf.com.au or on request by calling an HBF Member Service Advisor on 133 423. Our Privacy Policy contains further information about how HBF handles your Information. This includes information on how you can access and/or seek the correction of your Information that we hold about you as required by law and make a complaint about the way your Information is being handled by HBF and how HBF will deal with your complaint.

If you have any questions about how HBF handles your Information, please contact our Privacy Officer by writing to GPO Box C101, Perth, Western Australia, 6809.

Online data collection and use

If you access any HBF website, we collect information about user activities on the website. This includes information such as the type of browser used to access the website and the pages visited.

We use this information to understand how our website is assisting members and to plan future improvements to our websites, related online services and applications.

By using or continuing to use the website you consent to the collection, storage, use and disclosure of personal information in accordance with these Terms of Use and the Privacy Policy.

Cookies and web beacons

HBF uses cookies and web beacons to enhance and personalise your experience on our website.

A cookie is a small text file placed on your device when you access a website. Cookies are frequently used on modern websites. When you visit our website we may set a cookie on your device so that we can provide you with a personalised experience and to better understand the usage of our website.

A web beacon is a small transparent image that is used to more fully understand usage by a user within the website environment.

Cookies and web beacons in themselves do not identify the individual user, just the device used.

In some cases, we allow third-party vendors to use cookies and web beacon to provide you with information about our products and services. These technologies may be used to conduct activities like surveys, website analytics, online behavioural advertising and email campaign management.

Most browsers allow you to choose whether to accept cookies or not. If you do not wish to have cookies placed on your device, please set your browser preferences to reject all cookies before accessing our websites.


HBF collect aggregated non-personally identifiable information from our websites to help us improve overall user experience and use third party tools to measure and analyse usage across our websites.

When you visit one of our websites, we may collect information about your website visit which includes, but is not limited to:

  • Your device’s IP address
  • The date and time of website visit
  • The webpages accessed
  • Referring domain and out link if applicable
  • The type of device used.

Third Party Social Networking & Messaging Applications

When you communicate with us through third party social networking and messaging applications, these applications handle your personal information for their own purpose, however HBF may collect personal information also, to provide a more personalised service when we communicate with you.


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. The information is believed to be accurate and current at the date the information was placed on the website. HBF excludes, to the maximum extent permitted by law:

  • All liability whatsoever in relation to your use of this website or any breach of these Terms of Use;
  • All liability whatsoever arising in respect of:
  • the security of your computer or device in accessing this website or any breach of your computer or device's security;
  • any computer viruses (including malware or spyware) on your computer or device or the transmission of any computer viruses (including malware and spyware); and
  • the integrity of any Content or data accessed through this website
  • Any modification, suspension or discontinuance of our website; and any liability which might arise from you accessing or using the website of a third party or the goods and services of a third party.

To the extent permitted by law, you specifically agree that HBF is not responsible or liable for:

  • Any damages, claims, losses, liabilities, costs and expenses of any kind for any Content you choose to upload, download, post, email, transmit, store, share or otherwise make available to any other person, any third party or any website, including social media platforms;
  • 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 by you through our website;
  • Any threatening, defamatory, obscene, offensive or illegal content or conduct of any party;
  • Any infringement of another's rights, including intellectual property rights;
  • Any Content; or
  • Any third party website, material or content (whether accessed via this website or otherwise) or any third party service available from this website by linking to that third party site.

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.

To the extent permitted by law, our liability for a failure to comply with Part 3.2 Division 1 of the Australian Consumer Law is limited to the:

  • replacement of the goods or the supply of equivalent goods;
  • repair of the goods;
  • payment of the cost of having the goods resupplied or replaced;
  • supply of services again; or
  • payment of the cost of having the services supplied again.


Amounts payable per week are indicative only. Minimum payment frequency is fortnightly. Other payment options include monthly, quarterly, six-monthly or annually.

Weekly prices quoted on this website or in HBF marketing material are indicative only (and may include rounding). Available payment options are fortnightly, monthly, quarterly, six-monthly or annually.

Unless otherwise specified, advertised prices for health insurance cover: 

  • include a discount for payments made by direct debit. Further discounts may apply if premium is paid annually, six-monthly or quarterly in advance, 
  • take into account the Australian Government Rebate and deducts an amount equal to the base tier rebate (which as at 1 April 2023 is 24.608%). 
  • exclude any Lifetime Health Cover loading.

For more tailored pricing, we include an option to “personalise your pricing” for selected products.   


As between you and HBF, the contents of this website (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 website. All other use, copying or reproduction of any part of this website is prohibited (save to the extent authorised by law notwithstanding this provision). Without limiting the foregoing, no part of this website may be reproduced on any other internet site. Intellectual property rights in certain material included on this website, or processes used in, constructing or accessing this website, 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 website.


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.


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.


If our website links to the website of a third party, you understand and agree that we take no responsibility for any information provided on that website or its content generally. Any issue that you may have with that third party website is the sole responsibility of the relevant third party service or content provider.


On occasion this website makes use of Google Maps features and content, for example to help you locate your closest HBF branch. Use of Google Maps features and content is subject to the current versions of Google Maps/Google Earth Additional Terms of Service and the Google Privacy Policy.


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.


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.


These Terms of Use were last updated in March 2023.

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