Terms and conditions

Terms and Conditions of Access and Use

This website is owned and operated by Generation Life Limited ABN 68 092 843 902 (AFSL 225408) (referred to herein as ‘Generation Life’, ‘we’, ‘our’ or ‘us’) which has its registered office at Level 17, 447 Collins Street, Melbourne, Victoria, Australia 3000. Generation Life’s related bodies corporate are as defined in section 50 of the Corporations Act 2001.

Generation Life provides this website for the purpose of providing general information and you may decide to interact with us at some parts relevant to you. By accessing and/or using this website, you are accepting the terms and conditions outlined in this disclaimer.

Information provided

The information on this website is subject to change without notice. While Generation Life operates in good faith and attempts to provide information that is accurate and complete, it accepts no responsibility for the accuracy or completeness of the information. Except as required by law, we are not obliged to update anything on this website. It is recommended that you review the information provided on this website, including the terms and conditions as outlined in this disclaimer, on a regular basis.

Financial product advice warning

Where information provided on this website constitutes general advice, it has been prepared without taking into account the objectives, financial situation, or needs of any particular person and, because of that, you should, before acting or making any decision based on our website, consider the appropriateness of the advice for you, having regard to your objectives, financial situation and needs. Generation Life is the product issuer and the product’s Product Disclosure Statement and Target Market Determination available on this website should be considered in deciding whether to acquire, hold or dispose of the product.

The offer made in the PDS is only available to persons receiving the PDS in Australia.

Generation Life and its related bodies corporate does not make any guarantee or representation as to any particular level of investment returns. Investment bonds are considered stable and that they provide certainty because they are governed by legislation that has changed infrequently. Investments carry risks. Awards are only one factor to may be consider in reaching a decision about investment. Any statements that are non-factual in nature, including projections and estimates, assume certain economic conditions and industry developments and constitute only current opinions, all of which are subject to change. Other than in relation to Generation Life’s product, information available at genlife.com.au is factual information only and is not intended to imply any recommendation or opinion about superannuation products or superannuation investment. Past performance is not an indication of future performance. 

By using this website, you understand that such use by you alone does not constitute a direct relationship between you and Generation Life. Our website is not to be used as a substitute for competent professional advice. You should seek your own suitable professional financial advice.

Generation Life and its related bodies corporate exclude, to the maximum extent permitted by law, any liability (including negligence) that might arise from this information or any reliance on it. Further, all of our services are provided without a warranty with the exception of any warranties provided by law.

Links to third party websites

This site may contain links to third party websites which do not belong to Generation Life. Third party websites may contain links to this Generation Life website. Generation Life, its directors, employees, agents, and related bodies corporate do not guarantee or accept any responsibility or liability for the operation of links, or the contents,  information  or omissions from any third party websites and makes no representations as to our approval, the accuracy or completeness of the content provided by those websites. We are not responsible for any loss or interference arising directly or indirectly from you following third parties’ links and their websites Generation Life recommends you make your own enquiries in relation to third parties that are described or linked on this website.

Use

We use our best endeavours to maintain access to our website on a 24 hour basis. However, there may be instances when access is unavailable for updating purposes.

Our website, its content and information are intended for Australian residents only. As such, references to dollars are references to Australian dollars unless otherwise stated.

We provide electronic email and business addresses and phone number(s) on our website for you to communicate with us.  Authentic emails from us are only sent from our authorised server and use the domain ‘@genlife.com.au’. Take caution with emails that use similar domain names as these maybe scam or phishing emails. If you are notified about us changing our bank account, please contact us at enquiry@genlife.com.au as the communication may not be genuine.

You are not to use those addresses and phone number(s) to send us unsolicited or fraudulent communications.

Our email messages and any accompanying attachments are intended for the recipient only and may contain information that is confidential. If you do not want to receive these messages, please let us know at enquiry@genlife.com.au. If you are not the intended recipient, do not read, use, disseminate, distribute or copy the message or attachments. If you receive a message in error, please notify the sender immediately and delete the message. Before opening any attachments, please check them for viruses and defects.

You agree that you access and will use this website in accordance with all laws, rules and regulations applicable to you, our products and services and the jurisdiction of this website as set out below. You must not try to identify the source code of this our website or any of its content.

You agree that you will not do anything that may cause any disruption to any part of our website or any other of our services, and you will not engage in hacking in relation to any part of our website.

Our social media page(s) have their own terms and conditions, policies/ community guidelines and Privacy Policies that you can view and agree to with access of the social media page(s).

We are not responsible for posts and third parties’ links by non-Generation Life users to our forum(s) on our website (if any) and social media page(s).

If you contribute to our forum(s) (if any) or make any comments on or about this website and/or our social media page(s) which are, in our opinion, unlawful, defamatory, harassing, abusive, fraudulent or obscene or in any other way inappropriate, may infringe on a person’s intellectual property rights, or which conflict with our website contents or our services, then we may at our discretion, refuse to publish such comments and/or remove them from our website and social media page(s).

You may link to our articles or home page of this website. However, you should not provide a link which suggests any association, approval or endorsement on our part in respect to your website, unless we have expressly agreed in writing. We may withdraw our consent to you linking to our site at any time by notice to you.

We reserve the right to refuse or terminate service to anyone at any time without notice or reason.

Generation Life and its related bodies corporate do not accept any liability for any interference with or damage to your computer system, software or data occurring in connection with, or relating to, this web site or its use, or the services or information offered on this website.

You agree to indemnify Generation Life and our related bodies corporate and hold Generation Life and our related bodies corporate harmless from and against all liabilities and expenses arising from or in any way related to your use of this website or the services or information offered on this website.

Passwords and logins

You are responsible for maintaining the confidentiality of your passwords and login details and for all activities carried out under your password and login (if any).

Copyright

Generation Life is the owner of the copyright in, or has the right to use the trademarks, logos and contents of this website. The contents of this website must not be reproduced, distributed or published in any way or by any means without the prior written consent of Generation Life, except as permitted by law. Specifically, you must not use or replicate copyright material for commercial purposes unless expressly agreed to by us, in which case we may require you to sign a Licence Agreement. If you wish to use content, images or other intellectual property, please submit your request to us at enquiries@genlife.com.au .

Information Collection

Use of personal information you have provided us with, or that we have collected and retained relating to your use of the website and/or our products and services, is governed by our Privacy Policy. By using our website and the products and services and information associated with our website, you are agreeing to the Privacy Policy. To view our Privacy Policy and read more about why we collect personal information from you and how we use that information, please go here
https://genlife.com.au/privacy-policy.

Part(s) of our website may be protected by reCAPTCHA and the Google Privacy Policy -https://policies.google.com/privacy and Terms of Service - https://policies.google.com/terms apply.

Jurisdiction

This website and its content and information are governed by and construed in accordance with the laws of the Commonwealth of Australia. Any disputes concerning this website are to be resolved by the courts having jurisdiction in in the Commonwealth of Australia.

If this disclaimer is invalid or unenforceable, in its entirety or in part(s), the offensive terms are severed and the remaining terms and conditions of the disclaimer continue in force.

If you have any queries about these terms and conditions, please contact us here https://genlife.com.au/contact.