Terms of Service
About Furbaby Insurance
Furbaby Insurance (“Furbaby”, “we”, “us”, or “our”) is an Australian comparison website that helps pet owners compare pet insurance products from multiple providers. Our platform is designed to grow and will progressively include comparison services for life insurance, travel insurance, and other insurance products.
Furbaby operates as an information and comparison service only. We are not an insurer, insurance broker, or financial adviser. Nothing on this website constitutes personal financial, legal, or insurance advice.
Acceptance of Terms
By accessing or using the Furbaby website (furbaby.com.au or any subdomain thereof), you agree to be bound by these Terms of Service (“Terms”), our Privacy Policy, our Advertising Policy, and our Editorial Policy. If you do not agree with any part of these Terms, you must discontinue use of the website immediately.
These Terms apply to all visitors, users, and others who access or use the website.
Nature of Our Service
Furbaby provides a comparison and information platform. Our services include:
- Comparison tables and summaries of pet insurance (and future insurance) products from various providers.
- Review pages featuring user-submitted reviews and reviews sourced from publicly available third-party review platforms.
- Editorial content, guides, and articles designed to help Australian pet owners make informed decisions.
Important: Furbaby does not guarantee the accuracy, completeness, or currency of product information displayed on this site. Insurance product details, pricing, terms, and availability can change without notice. Always verify information directly with the relevant insurance provider before making any purchasing decision.
Advertising and Sponsored Content
Furbaby displays advertisements and sponsored content on its website. Advertisements are served by Okushon, our third-party advertising platform. Sponsored or advertised content will be clearly labelled with terms such as “Ad”, “Sponsored”, “Promoted”, or “Advertisement”, and may include an information icon (ⓘ).
Advertisers pay to display their products, services, or content to visitors of Furbaby. Ad placement may be influenced by factors including browsing behaviour, general location, or the content being viewed at the time. The presence of an advertisement on Furbaby does not constitute an endorsement or recommendation by Furbaby of that product, service, or advertiser.
Advertising content is kept editorially separate from Furbaby’s own content. For full details, please refer to our Advertising Policy.
Third-Party Reviews
Review pages on Furbaby may include reviews submitted directly to Furbaby as well as reviews sourced from publicly available third-party review platforms. Each review is clearly labelled with its source. Third-party reviews are reproduced for informational purposes only and remain the intellectual property of their original authors and the platforms on which they were originally posted. Furbaby does not claim ownership of third-party reviews.
Furbaby does not verify, endorse, or take responsibility for the accuracy, completeness, or reliability of any user-submitted or third-party reviews.
Third-Party Links and Services
Our website contains links to third-party websites, insurance providers, and services. These links are provided for convenience only. Furbaby does not control, endorse, or take responsibility for the content, privacy practices, or terms of any third-party website. When you leave Furbaby’s website, we encourage you to review the terms and privacy policy of each site you visit.
Furbaby uses third-party services including Okushon for advertising. Your interactions with these services are governed by their respective terms and privacy policies.
Intellectual Property
All original content on the Furbaby website including text, graphics, logos, page layouts, and editorial content is owned by or licensed to Furbaby and is protected by Australian and international copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, transmit, or republish any content from this website without prior written permission from Furbaby, except as permitted by applicable law (for example, for personal, non-commercial use or fair dealing purposes under the Copyright Act 1968 (Cth)).
Third-party reviews reproduced on this site remain the property of their original authors and respective platforms. Furbaby claims no intellectual property rights over third-party review content.
User Conduct
By using our website you agree that you will not:
- Use the website for any unlawful purpose or in violation of any applicable laws or regulations.
- Submit false, misleading, defamatory, or fraudulent reviews or content.
- Attempt to gain unauthorised access to any part of our website or its underlying systems.
- Use automated tools, bots, or scrapers to collect data from the website without our express written consent.
- Interfere with or disrupt the integrity or performance of the website.
- Impersonate any person or entity or misrepresent your affiliation with any person or entity.
User-Submitted Content
If you submit a review, comment, or other content to Furbaby, you grant us a non-exclusive, royalty-free, perpetual, and worldwide licence to use, display, reproduce, and distribute that content on our platform and in associated communications.
You represent and warrant that any content you submit is your own original work, does not infringe any third-party rights, is not false or misleading, and complies with all applicable laws. Furbaby reserves the right to remove or moderate any user-submitted content at its sole discretion.
Disclaimers
The information on this website is provided for general informational purposes only. It does not constitute personal financial advice, insurance advice, or any other form of professional advice. You should seek independent professional advice before making any financial or insurance decisions.
To the maximum extent permitted by applicable law, Furbaby provides this website and all content on an “as is” and “as available” basis, without warranties of any kind whether express, implied, or statutory including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
Furbaby does not warrant that the website will be uninterrupted, error-free, free of viruses or other harmful components, or that defects will be corrected.
Limitation of Liability
To the maximum extent permitted by law, Furbaby and its directors, employees, affiliates, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of, or inability to use, this website or its content including damages for loss of profits, data, goodwill, or other intangible losses.
Nothing in these Terms limits or excludes any rights you have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other non-excludable consumer protection legislation.
Privacy
Your use of the Furbaby website is also subject to our Privacy Policy, which is incorporated into these Terms by reference. Our Privacy Policy explains how we collect, use, store, and disclose your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
Changes to These Terms
Furbaby reserves the right to update or modify these Terms at any time. Changes will be effective upon posting to this page, with the “Last Updated” date revised accordingly. Your continued use of the website after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.
For material changes, we may provide additional notice on the website.
Termination
We reserve the right to suspend or terminate your access to all or any part of the Furbaby website at any time, with or without notice, for any reason including breach of these Terms.
Governing Law
These Terms are governed by the laws of the State of New South Wales, Australia. You agree to submit to the exclusive jurisdiction of the courts of that State and the federal courts of Australia for the resolution of any disputes arising in connection with these Terms or the website.
Contact Us
If you have questions or concerns about these Terms of Service, please contact us at:
Phone Number
+61-2-4003-7083
Address
1 Tudor Street Newcastle West, New South Wales, 2302