Construction & Public
Liability Insurance

Your use of this Website or submission of service requests via telephone or email constitutes your agreement to all such terms, conditions, and notices in effect at such time. If you have any questions regarding these Term and Conditions you may contact us at Australian Owner Builders. We may amend these Term and Conditions at any time by posting a revised version of these Terms and Conditions on the Australian Owner Builders Website.

Australian Owner Builders makes no guarantees or representations regarding the skills or representations of such Trade professionals** or the quality of the job that he or she may perform for you if you elect to retain their services. We are a referral service ONLY.

We do not endorse or recommend the services of any particular Trade professional**. It is entirely up to you to enter into a direct contract or otherwise reach agreement with a Trade professional**, and we do not guarantee or warrant their performance on the job or the outcome or quality of the services performed. The Trade professionals** are not employees or agents of Australian Owner Builders (AOB). Nor is AOB an agent of the Trade professionals**. AOB does not perform and is not responsible for any of the services requested by you. Your rights under contracts you enter into with the Trade professionals** are governed by the terms of such contracts and by applicable federal state and local laws.

Should you have a dispute with any Trade professionals** you must address such a dispute with the Trade professionals** directly. And you hereby agree to release AOB (and our officers, directors, affiliates, employees and agents) and any other associated person, firm, or entity from any damages or claims (including consequential and incidental damages) of every kind or nature, suspected and unsuspected, known and unknown, and disclosed or undisclosed, arising out of or in any way connected with such disputes and your dealings with AOB.

Australian Owner Builders does not guarantee that the Trade professional** has insurance coverage at the time they have entered into an agreement with you and makes no representation as to the adequacy of any insurance coverage (including amount, breadth, or type). You must carry out your own due diligence investigations.

Use of the Website and any information on this Website is at your sole risk. In no event will we be liable to any person or entity for any direct, indirect, consequential, incidental, exemplary, multiple, punitive, special or other damages under any law for any use or reliance upon the information available on or through this website, including without limitation, damages for lost profits, business interruption or damage to your computer systems.

The information, products and services contained or referred to on this website may change or be updated without notice.

** Trade professional can mean any service provider in the building industry.

Terms and Conditions– Insurance
Australian Owner Builder acts as an agent of BuildSafe Insurance Brokers P.L.

Product Information
We only provide general information on our website about our products and services. If you are considering purchasing a product or service, you should ensure that you read and understand the Product Disclosure Statement fully. Our website also enables you to purchase and pay for insurance products and services and administer your insurance policy online.

Electronic Transactions
Our website enables you to make certain transactions online, whether this relates to you purchasing a policy, administering your policy, making a renewal payment, or any other transaction. These transactions will not be complete until we have received and processed your confirmation.

Terms of Use
Your confirmation means any communication issued or transmitted by you to us via our website or other electronic means, containing your acceptance in relation to our offer, or your confirmation of payment, whichever is applicable.

Your confirmation of any payment may not be received by us for reasons inclusive of mechanical, software, computer, telecommunications, or electronic failure, or the omission or failure of other providers or systems, which are outside of the control of either party. You acknowledge that we are not liable to you in any way for loss or damage at all and however caused, directly arising out of; or indirectly in connection with the transmission of; your confirmation to us.

Purchasing a Policy
Our website enables you to purchase insurance products online. To create a valid insurance policy with us via our website, there is a simple three-step process:

We create a quote for the insurance product you are interested in and have selected. You can exit our website and save your quote information at any time. Your quotation will be stored within our database for a period of at least thirty (30) days. An e-mail will be sent to you providing a link back to our website, which allows you to return to your quote and complete all required information. For security purposes, yo u will be requested to re-enter your e-mail address.
If you complete the relevant information, you will receive a quote, you are then asked to confirm the information you have provided related to the product you have chosen. Once you have confirmed all information as being complete, a summary of your quotation is displayed. Your quote will remain valid and accessible on the secure web page for a period of up to thirty (30) days from the date the quote process was started; and
If you wish to purchase the insurance product in accordance with a quote provided to you by us via our website, then after you have completed the required details, you will be requested to answer further questions. Upon successful completion and acceptance by us of those questions, you may then accept that quote by pressing the “Buy” button on our website. To create a valid insurance policy with us, you will also be requested to enter a payment method and your nominated account details for premium deduction. You will then be provided with a corresponding BuildSafe policy number, Policy Schedule and Product Disclosure Statement.
You may be contacted either by e-mail, text messaging, telephone or all three (3), depending upon the method of contact you selected, or the business reason for contacting you. Our consultants will assist in answering any questions you may have in relation to the quotation. They may also provide general product information only in relation to our product for which you have requested a quotation.

The insurance policy has been entered into by the process of:

Our offer of insurance being made via our website electronically; and
Your confirmation to us of your acceptance of that offer via our website
We are under no obligation to determine the authenticity or investigate whether authority has been provided for persons who have transmitted or issued electronic confirmations through our website. We may act on and process all completed confirmations transmitted or issued through our website without further consent from, or reference to, you.

When entering into an insurance policy with us via our website, your acceptance of our offer of insurance will have been taken to have been communicated when:

Your confirmation containing your acceptance is received and processed by us;
BuildSafe policy number is generated and issued to you;
We receive all required details of a current and valid credit card or nominated bank account 3. number which you are authorised to use, and which is of a suitable type for us to charge premium to, or collect premium from, whichever is applicable.
By entering these details and using our website, you further agree that we are authorised to use the account or credit card details provided, for the purpose of collecting periodic payments depending on the payment method you have selected, and to continue to use these to effect renewal of your insurance, unless you instruct us not to do so.

Issuing a Policy
Your insurance contract is only valid, when we are able to:

Successfully charge against your nominated credit card; or
Direct debit from your nominated bank account;
We receive payment of your applicable premium (either by a single payment or where permitted, in installments).
A BuildSafe policy number, Policy Schedule and PDS will be issued to you via email. You may request a copy via Australia Post (please contact our office on 1300 763 016 or email to info@buildsafe.com.au).
Any failure by you to receive a BuildSafe policy number, Policy Schedule and PDS via our website does not invalidate the existence of an insurance policy or transaction entered into using our website.
Please contact us immediately if you do not receive a BuildSafe policy number, Policy Schedule and PDS via our website following your transaction.
Our offer and your acceptance of that offer, together with your payment constitutes your insurance policy or contract with us.

Delivery of your Insurance Policy
A BuildSafe policy number, Policy Schedule and PDS will be issued to you via email. You supplied us with your email details. You may request a copy through Australia Post (please contact our office on 1300 763 016 or email request to info@buildsafe.com.au).

Extending your Construction Policy (Home Warranty or Home Indemnity is not extendable)
We will provide notification with supporting documentation at least fourteen (14) days prior to the expiry date of your policy. Your Policy may be extended, following a review process. Extending and owner Builder Policy is not automatic.

Your insurance policy will only be valid upon us being able to:
Successfully charge against your nominated credit card or direct debit from your nominated bank account; and
Receive full payment of all applicable premiums due for the Policy (or policies)
Our offer of extension and your acceptance of that offer, together with your extension payment constitutes your insurance policy or contract with us.

Cancelling Your Home Warranty / Home Indemnity Insurance Policy
Owner Builder Home Warranty Insurance and Owner Builder Home Indemnity Insurance (WA) are classed as non ‘cancellable’ polices and therefore no refunds are possible. If you require further clarification please contact info@buildsafe.com.au or your State Government Department responsible for Building , Planning or Consumer Affairs.

Cancelling Your Owner Builder Construction Insurance Policy
All retail products are subject to a 14 day ‘cooling off period’. This means that if you are not happy with the product, you have 14 days to withdraw from the insurance contract. We have a set of standard non refundable Broker Fees that we charge you for services such as:

Market research on products available
Assessing the claims paying ability of insurers.
Sourcing alternative quotations and coverage.
Risk analysis and portfolio co-ordination.
We will not cancel your Insurance Policies from inception date, but at the earliest from receipt of your formal notification to us. To cancel you Policy, please post or email your request for cancellation, including the date of cancellation and Policy number. Email to info@buildsafe.com.au mail to Post Office Box 2294, Seaford VIC 3198.

Restrictions on Use
In using our website, you agree that you will not, either directly or via any third party:

Use our website for any other purpose, other than as a legitimate customer or for Owner Builder insurance purpose;
Take any action which may disrupt access to; cause damage; or interfere with; the proper operation of our website;
Take any action that places an unusually large load on the infrastructure of; or bandwidth connecting to; our website;
Take any action that includes the use of any data accumulation tool, robot or spider to compile disseminate, extract, process, monitor, or copy any web pages from our website’ inclusive of any information, data, graphics or content contained within our website, without our prior written consent;
Take any action that involves decompiling, reverse engineering, reverse assembling, attempting to reveal source code or other processes or formulas, connected with our website software; or copy, reproduce, alter, modify, or display in public any part or content from our website, without our prior written consent.
Intellectual Property
Copyright on the information, text & graphics on our website is owned or licensed by Australian Owner Builders Pty Ltd.
No part of our website, inclusive of information, services, text & graphics and other data may be reproduced, stored, modified, adapted, uploaded to another location, and produced for display in public in any form without our prior specific written consent.
“Australian Owner Builders” is a trademark of Australian Owner Builders Pty Ltd.

Planning Kits
Please note the current Planning Kit products have been upgraded and may appear different than those presented in the video. Not all products shown are included. Please refer to the planning kit page for the correct information.

14 Day Money Back Guarantee
If for any reason You are unsatisfied with Your purchase, You can contact us within 14 days of taking delivery, and organise to return the Product and receive either a credit or refund of the purchase price of Your Product (excluding initial delivery charges and a re-stocking fee).
Please note: Due to the nature of online courses, NO REFUNDS will be honored.

The re-stocking fee for these Products will be 15% of the original purchase price, or $35 (whichever is lower). Where a product listing specifically excludes returns under this policy, no returns under this policy will be permitted.
No Advice
Our website does not claim to provide you with any personal financial or investment advice of any kind. Our website and the information it contains does not take into account your particular financial or insurance position or requirements. You should always seek independent advice before acting upon any of the information contained on our website or other website links contained in our website.

Jurisdiction
The law applicable to our website and to disputes arising out of our website is the law of the state of Victoria, Australia.

Indemnity
Should you do anything in breach of these Terms of Use, you agree to indemnify us for any loss that we may suffer or any costs that may be incurred arising from your breach.

Acknowledgement
Your use of our website acknowledges your acceptance of these Terms of Use and our Privacy Policy.
Any failure or partial failure by us to exercise any right, power or remedy under these Terms of Use shall not operate as a waiver of our rights.
These are the current Terms of Use and replace any other Terms of Use previously published on our website to date. We may at any time vary the Terms of Use for security, legal or regulatory reasons, or to reflect updates or changes to the services or functionality of our website, by publishing the varied Terms of Use on our website.
We will indicate on our website that these Terms of Use have changed; however, we are under no obligation to specifically contact or notify you of any variation to these Terms of Use. You accept that by doing this, we have provided you with sufficient notice of the variation. By your use of our website after any variation, you are taken to have accepted the new Terms of Use.

Contact Us
If you have any questions relating to the Terms of Use or any other aspect of our website, please contact us via e-mail info@ownerbuild.com.au