Scope of the site and user eligibility

Drevaliqo.com is operated by the Company for the purpose of providing general information about insurance needs planning and related topics. The site is intended for use by adults who can form legally binding agreements under applicable law. By accessing the site, the user represents that this condition is met and agrees to use the site only for lawful purposes. The user remains responsible for ensuring that access to and use of the site complies with all laws and regulations that apply in the user’s location.

Nature of information and no personal advice

The content on drevaliqo.com is provided for general informational purposes only and does not constitute personal financial, legal, tax, medical, or other professional advice. Any descriptions of insurance needs, financial planning concepts, or related matters are illustrative and may not reflect current products or individual circumstances. Results may vary, and past performance does not guarantee future results. Users should obtain independent advice from appropriately qualified professionals, including physicians where health-related decisions are involved, before acting on any information from this site.

Intellectual property and permitted use

Acceptable use and prohibited conduct

The user agrees not to misuse drevaliqo.com or interfere with its normal operation. Prohibited conduct includes attempting to gain unauthorised access to systems or data, introducing malware or harmful code, scraping or harvesting information in a manner inconsistent with these terms, and using the site in a way that could damage, disable, or overburden the infrastructure. The Company may take appropriate action, including restricting access, where misuse is suspected or detected.

Limitations of liability

To the maximum extent permitted by law, the Company is not liable for any loss or damage arising from or in connection with use of drevaliqo.com, reliance on its content, or inability to access the site. This includes, without limitation, indirect or consequential loss, loss of profits, data, or opportunity, whether in contract, tort, statute, equity, or otherwise. Where liability cannot be excluded, it is limited, so far as permitted, to the resupply of the relevant services or the reasonable cost of having those services resupplied, at the Company’s option.

Changes to the site and to these terms

Third-party links and external resources

Drevaliqo.com may contain links to third-party websites or resources for convenience and informational purposes. The Company does not control and is not responsible for the content, security, accuracy, or practices of those external sites. Inclusion of a link does not imply endorsement or recommendation. Access to third-party resources is at the user’s own risk, and separate terms and privacy policies may apply.

Privacy and cookies

The Company’s handling of personal information collected through drevaliqo.com is governed by the privacy policy and related documents, which should be read together with these terms. The cookie policy explains how cookies and similar technologies are used on the site. By using drevaliqo.com, the user acknowledges these policies and consents to the collection and use of information in accordance with them, subject to available choices and applicable law.

Entire agreement and severability

These terms and conditions, together with any documents expressly incorporated by reference, constitute the entire agreement between the user and the Company in relation to the use of drevaliqo.com. If any provision is found to be invalid, unlawful, or unenforceable, it will be applied to the maximum extent permitted or treated as severed, and the remaining provisions will continue in full force. No failure or delay by the Company in enforcing any right under these terms operates as a waiver of that right.

Governing law and jurisdiction

These terms and conditions are governed by the laws in force in Australia, without regard to conflict of law principles. The user agrees to submit to the non-exclusive jurisdiction of the courts and tribunals of Australia in relation to any dispute arising out of or in connection with these terms or the use of drevaliqo.com. Mandatory consumer protections under applicable law are not excluded or limited by this provision.