The terms ‘GARD’, ‘we’, ‘us’ and ‘our’ refer to GARD Insurance Pty Ltd, ABN 96 605 493 454, AFSL 479125. The terms ‘you’ and ‘your’ refer to any person accessing or using this website.
This website is operated by GARD. Your access to and use of this website is subject to these Terms of Use and our Privacy Policy. By accessing, browsing or using this website, you acknowledge that you have read, understood and agree to be bound by these Terms of Use and our Privacy Policy.
This website is provided for the purpose of supplying general information about GARD and its products and services.
The information on this website is provided on an ‘as is’ basis. While GARD uses reasonable efforts to ensure that information on this website is accurate, complete and current, we make no representation or warranty, express or implied, regarding the accuracy, completeness, reliability, suitability or currency of any information contained on this website.
You acknowledge that information on this website may contain errors, omissions or inaccuracies and may not always be up to date.
To the maximum extent permitted by law, GARD excludes all liability for any loss or damage arising from or in connection with the use of, or reliance upon, information contained on this website.
Nothing in these Terms of Use excludes, restricts or modifies any right or remedy that cannot lawfully be excluded, restricted or modified under applicable law.
GARD may amend these Terms of Use at any time by updating this page. Any amendments take effect from the date they are published on this website.
Your continued use of the website following publication of any amendments constitutes your acceptance of the updated Terms of Use.
The information contained on this website is of a general nature only and is not intended to constitute insurance, financial, legal or other professional advice.
You should obtain advice from a suitably qualified professional adviser before making any decision regarding insurance or financial products. GARD does not provide any warranty that any product or service referred to on this website is suitable for your individual circumstances.
Unless otherwise indicated, all content appearing on this website, including text, graphics, logos, designs, images, software, trade marks and other materials, is owned by or licensed to GARD and is protected by copyright, trade mark and other intellectual property laws.
You may view, download and print material from this website solely for your personal, non-commercial use, provided that you do not remove any copyright or proprietary notices.
Except as permitted by law, you must not reproduce, modify, distribute, publish, transmit, display, create derivative works from, or otherwise exploit any content on this website without GARD’s prior written consent.
You must not:
This website may contain links to websites operated by third parties. These links are provided for convenience only.
GARD does not control, endorse or approve, and makes no representation or warranty regarding, any third-party website, its content, products, services, security or privacy practices.
To the maximum extent permitted by law, GARD accepts no responsibility or liability for any loss or damage arising from your use of, or reliance upon, any third-party website or any products or services offered through those websites.
Your access to and use of third-party websites is entirely at your own risk and subject to the terms and conditions of those websites.
GARD may provide access to a secure internet portal for authorised licensed financial services providers and their authorised representative.
Access to the portal must be approved by GARD and authorised in writing by the intermediary’s principal.
Access to the portal requires a unique username and password.
You must:
You are responsible for all activities conducted through your account.
The use of another person's login credentials or permitting another person to access the portal using your credentials, is strictly prohibited unless expressly authorised by GARD.
You are responsible for ensuring that all information submitted through the portal is complete, accurate and not misleading.
Where you obtain a quote on behalf of a prospective insured, you are responsible for reviewing the proposal details, quotation, and related documentation with the prospective insured before proceeding.
GARD will use reasonable efforts to make the portal available on an ongoing basis. However, GARD does not guarantee uninterrupted, timely or error-free access to the portal.
Access may be suspended or unavailable from time to time due to:
To the maximum extent permitted by law, GARD will not be liable for any loss, damage, interruption or delay resulting from unavailability or malfunction of the portal.
GARD may suspend, restrict or terminate your access to the portal immediately if:
GARD’s collection, use, storage and disclosure of personal information is governed by our Privacy Policy.
By using this website, you acknowledge that you have read and understood our Privacy Policy.
To the maximum extent permitted by law, GARD excludes all liability for any direct, indirect, incidental, consequential or special loss or damage arising out of or in connection with:
Nothing in these Terms of Use excludes any liability that cannot be excluded by law.
If any provision of these Terms of Use is held to be invalid, illegal or unenforceable, that provision will be severed and the remaining provisions will continue in full force and effect.
A failure or delay by GARD to exercise any right or remedy under these Terms of Use does not constitute a waiver of that right or remedy.
These Terms of Use and any dispute arising out of or in connection with them are governed by the laws of New South Wales, Australia.You irrevocably submit to the exclusive jurisdiction of the courts of New South Wales, Australia and any courts competent to hear appeals from those courts in relation to any dispute arising from or connected with these Terms of Use or the use of this website.
Last updated 23 July 2026