Terms and Conditions of Website Use

The MDA National Group is made up of MDA National Limited ABN 67 055 801 771 and MDA National Insurance Pty Ltd (MDA National Insurance) ABN 56 058 271 417 AFS Licence No. 238073.

Insurance products provided by the MDA National Group are underwritten by MDA National Insurance.

MDA National Insurance is a wholly owned subsidiary of MDA National Limited, trading as MDA National.

Before you make any decision whether to buy or hold any products issued by MDA National Insurance please consider the relevant Product Disclosure Statement and Policy Wording

You should also refer to the Privacy Policy.

Website Terms of Use

The MDA National Group agrees to allow you access to its website ("Website") conditional upon your acceptance and compliance with the terms, conditions, notices and disclaimers contained in this document ("Terms of Use"). Your use of, and/or access to, the Website constitutes your agreement to the Terms of Use. The MDA National Group reserves the right to amend the Terms of Use at any time. Since you are bound by these Terms of Use, you should periodically refer to them in this document and elsewhere on the Website.

Intellectual Property and restrictions on use of Content on the Website

All information, text, material, graphics, software and advertisements on the Website ("Content") are Copyright © 2004 the MDA National Group, its suppliers and/or licensors unless expressly indicated otherwise on the Website. The Content is protected by Australian and international copyright and trademark laws. Content on the Website is published in real-time, and you must not modify, copy, reproduce, republish, frame, upload to a third party, post, transmit or distribute this Content in any way except as expressly provided for on the Website or expressly authorised in writing by the MDA National Group. Strictly on the condition that you keep all Content intact and in the same form as presented on the Website (including without limitation all copyright, trademark and other proprietary notices and all advertisements), you may use an industry-standard Web browser, download and view the Content for your personal use. You must not use the Website in any manner or for any purpose which is unlawful or in any manner which violates any right of the MDA National Group or which is prohibited by the Terms of Use.

Links to third party websites

The Website contains hyperlinks and other pointers to Internet websites operated by third parties. These linked websites are not under the control of the MDA National Group, and the MDA National Group is not responsible for the contents of any linked web or any hyperlink contained in a linked website. The MDA National Group provides these hyperlinks to you as a convenience only, and the inclusion of any link does not imply any endorsement of the linked website by the MDA National Group. You link to any such website entirely at your own risk.

Disclaimer and limitation of liability

The Competition and Consumer Act 2010 (Cth) and similar State and Territory Legislation in Australia may confer rights and remedies on you in relation to the provision by the MDA National Group of goods or services on the Website which cannot be excluded, restricted or modified ("Non-excludable Rights"). The MDA National Group does not exclude any Non-excludable Rights but does exclude all other conditions and warranties implied by custom, law or statute.

Except as provided for by the Non-excludable Rights: a) all Content is provided "as is" and without warranties of any kind, either express or implied, b) the MDA National Group and its suppliers expressly disclaim all warranties of any kind including but not limited to implied warranties of merchantability and fitness for a particular purpose, c) the MDA National Group does not warrant that the functions contained in any Content or your access to the Website will be uninterrupted or error-free, that any defects will be corrected or that the Website or the server which stores and transmits Content to you are free of viruses or any other harmful components, d) the MDA National Group does not warrant or make any representation regarding your access to, or the results of your access to, the Website (including any related or linked websites) or any Content in terms of correctness, accuracy, timeliness, completeness, reliability or otherwise, and e) you (and not the MDA National Group) assume the entire cost of any necessary verification, maintenance, repair and/or correction of any relevant Content.

Under no circumstances (including but not limited to any act or omission on the part of the MDA National Group) will the MDA National Group be liable for any indirect, incidental, special and/or consequential damages or loss of profits whatsoever which result from any use or access of, or any inability to use or access, the Website or any Content.

To the fullest extent permitted by law, the MDA National Group's liability for breach of any implied warranty or condition which cannot be excluded is limited at the option of the MDA National Group to, in the case of services supplied or offered by the MDA National Group, (a) the supply of the services again, or (b) the payment of the cost of having services supplied again; and in the case of goods supplied or offered by the MDA National Group, (c) the replacement of the goods or the supply of equivalent goods, (d) the repair of such goods, (e) the payment of the cost of replacing the goods or acquiring equivalent goods, or (f) the payment of the cost of having the goods repaired.


The Terms of Use are effective until terminated by the MDA National Group, and the MDA National Group may terminate this agreement and your access to the Website at any time without notice. In the event of termination, you are no longer authorised to access the Website, but all restrictions imposed on you, licenses granted by you and all MDA National Group disclaimers and limitations of liability set out in the Terms of Use will survive.


The MDA National Group relies on your continued observance of these Terms of Use. If the MDA National Group suffers any loss or damage or incurs any costs in connection with any breach of these Terms of Use or any other legal obligation then you agree to indemnify the MDA National Group for those losses, damages and costs.

This agreement will be governed by and construed in accordance with the laws of Western Australia. You irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of Western Australia. If any provision of this agreement is found to be invalid or unenforceable by a court of law, such invalidity or unenforceability will not affect the remainder of the agreement which will continue in full force and effect.

All rights not expressly granted herein are reserved.

This Website may contain a wide variety of information on the subject of health and risk management in providing health services.
The information on the Website is generic and does not take into account the physical state, medical status and/or health requirements of any particular individual which are relevant to the proper diagnosis and treatment of any problem, condition or disorder nor does the information take into account the particular facts relevant to any legal issue. Consequently, you should never use or act upon this information without first properly consulting, and seeking proper information and advice from, a qualified medical practitioner or an solicitor as the case may be. All material is provided as an information service only and should not be relied upon as a substitute for professional or commercial advice. The MDA National Group does not give, or purport to give, any medical or legal advice, through this website.

The MDA National Group expressly disclaim all responsibility for, and liability in respect of any particular circumstances the consequences of anyone's failure to obtain a proper medical examination and advice from a qualified medical practitioner in the relevant circumstances. The opinions expressed by any health professional on this Website are those of the relevant health professional and not the MDA National Group, and the MDA National Group accepts no responsibility for them. The MDA National Group makes no representations whatsoever in respect of the accuracy of any information placed on any bulletin board (or any other facility which offers electronic discussions) by any general user of the Website whose comments and opinions are solely their own, or any such user's ability, knowledge, experience or professional qualifications.