AAI is a member of the Suncorp Group. Click here to read the Suncorp Group Privacy Policy In short referred to as AAI’s "Online Terms”. Read these Online Terms to understand how AAI operates and regulates its online sites. 1. About AAI’s online sites

1.1    Australian Alliance Insurance Company Limited (ABN 11 006 471 709) (“AAI”, “we” or “us”) operates AAI online sites (“Online Site(s)”), including our:

1.1.1    main website (www.aai.com.au including its related transactional domains and pages) (“Main Site”).

When providing financial services in Australia AAI acts as the issuer of property (including motor vehicle) insurance products for its authorised representatives Australian Pensioners Insurance Agency Pty Ltd ABN 14 099 650 996 ("Apia"), Shannons Limited ABN 91 099 692 636 ("Shannons") and InsureMyRide Pty Limited ABN 75 121 676 293 ("IMR"), and holds Australian Financial Services Licence no. 235011. AAI does not issue any Compulsory Third Party ("CTP") insurance product. Please refer to the website of the authorised representative you are interested in to find more information about the products and services they provide.

1.2    AAI may operate an Online Site for its own benefit and/or for the benefit of one or more of its related bodies corporate, which collectively form the Suncorp Group of companies in Australia and New Zealand (“Suncorp Group”).

1.3    Our Online Site (including any sub-pages, related transactional domains and pages, or other AAI-branded online pages which include an authorised link to an Online Site) may include product advertising, services, information, text, graphics, materials, applications, functions and promotions, unless disclaimed otherwise or where not permitted by law (“Site Content”). Your use of any of our Online Sites, including any Site Content, is governed by these Online Terms, together with the Suncorp Group’s overarching Privacy Policy (Privacy Policy available at suncorp.com.au/corporate/legal/privacy-policy). Click here to read AAI's Privacy Statement for this Main Site.

1.4    In addition to these Online Terms, other terms of use or conditions may apply to your use of any of our Online Sites (or parts thereof) or to any products or services offered via our Online Sites. If such additional terms of use or conditions apply, we will bring them to your attention and you will be bound by them. For example, should you decide to participate in a promotion that is advertised or otherwise featured on one or more of our Online Sites, you will be additionally bound by the relevant terms and conditions for entry into that promotion. Should any term within these Online Terms conflict with a promotion’s terms and conditions, the latter will prevail to the extent of the conflict.

1.5    AAI owns and operates the Main Site. These Online Sites include all web pages under or forming part of the domain name aai.com.au.

1.6    As part your use of our Online Sites or Site Content you may need to agree to the terms of use of a website or application that is owned and/or hosted by one or more third party providers. If any term within these Online Terms should conflict with any third party’s terms of use, the later will prevail to the extent of the conflict insofar as your use or access to that third party site is concerned.

1.7    As AAI’s Online Sites develop and as technology evolves, AAI will continue to strive to provide you with better online services. AAI encourages you to review these Online Terms as they will be updated from time to time.

2. Links to other websites

2.1    An Online Site may contain links to other websites which are owned or operated by third parties independent of AAI (“Third Party Sites”). AAI does not sponsor, endorse or approve of the operators of Third Party Sites, or material (including services, information, graphics, or data) which is located on such Third Party Sites (“Third Party Material”).

2.2    An Online Site may contain or link to information about special offers, deals or promotions by persons not related to or part of AAI (“Third Party Offers”). AAI does not sponsor, endorse or approve of any Third Party Offers or Third Party Material associated with these offers.

2.3    Subject to any applicable law which cannot be excluded, AAI makes no warranties or representations:

2.3.1    regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material, or products or services available through Third Party Sites; or

2.3.2    that Third Party Material does not infringe the intellectual property rights of any person.

2.4    AAI is not authorising the reproduction of Third Party Material by linking Site Content to Third Party Material.

2.5    When following a link on an Online Site, material at a Third Party Site may be displayed in your browser framed by Site Content. This material is also Third Party Material for the purpose of these Online Terms.

3. Valuation tools, calculators, games and other features

3.1    Our Online Sites may contain or make available various tools, calculation devices, software programs, games or other features which may assist you in calculating such things as the optimal insurance policy, premium or level of excess. Our Online Sites may also contain other useful information.

3.2    Whilst AAI has undertaken reasonable steps to ensure that any such features or information as described in term 3.1 above are accurate and free from defect, AAI does not warrant the accuracy, adequacy, correctness or completeness of these features, which are provided on an “as is” basis. The use by you of any of these features or any information provided is entirely at your own risk. The monetary figures used by these features in any calculations are estimates only and do not take account of your particular circumstances.

4. AAI’s standard terms and acceptance criteria apply

All enquiries or applications for insurance (including variations of cover) or other products made via any of our Online Sites are subject to and must comply with AAI’s normal acceptance criteria and are governed by the normal terms and conditions applying to each product or service requested. The terms and conditions insurance covers which AAI offers are contained in the Product Disclosure Statements of the relevant insurance brand which sells the product. These documents can be accessed on the Main Site by following the "Our brands" link.

5. Warranties

Whilst reasonable steps have been undertaken to ensure that information is free from error, to the extent permitted by law, which law cannot be excluded, AAI does not warrant the accuracy, adequacy or completeness of Site Content on any of its Online Sites. All information is subject to change without notice. AAI does not guarantee that any Online Site or any Third Party Site will be free from viruses, or that access to any Online Site or Third Party Site will function as intended or be uninterrupted. All terms implied by law, except those that cannot be lawfully excluded, are excluded.

6. Limitation of liability

Subject to any responsibilities implied by law and which cannot be excluded, AAI, and its directors, employees, agents, contractors and related bodies corporate, are not liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to any Site Content, Third Party Material, third party services, or to access (or lack of access) to an Online Site (or website operated by any member of the Suncorp Group) by you, howsoever caused, whether in contract, tort including negligence, statute or otherwise.

7. Indemnity

You indemnify AAI (and any of its related bodies corporate) in respect of any liability incurred by AAI (or any of its related bodies corporate) for any loss, cost, damage or expense, howsoever caused, suffered by AAI (or any of its related bodies corporate) as a result of your breach of these Online Terms or your use of any of our Online Sites. 8. No advice unless stated

Unless expressly stated otherwise, no Online Site purports to provide you with financial product or investment advice of any kind. The information available via an Online Site does not take account of your particular financial or insurance position or requirements. AAI suggests that you seek independent advice before acting upon any Site Content or any information found on a Third Party Site.

9. Availability of an Online Site

9.1    Since electronic services are subject to interruption or breakdown, access to an Online Site is offered on an “as is” and “as available” basis only.

9.2    AAI may impose limits or restrictions on the use you may make of an Online Site. Further, for security, technical, maintenance, legal or regulatory reasons, or due to any breach of these Online Terms, AAI may withdraw an Online Site (of part thereof) at any time and without notice to you.

9.3    Any cost associated with accessing an Online Site is the user’s responsibility and is dependent on the internet or telecommunications service provider used.

10. Restrictions on use of an Online Site

The Site Content contained on any Online Site is provided solely for bona fide personal or commercial customers only. By accessing, viewing or otherwise using any of AAI’s Online Sites, you agree to abide by the terms and conditions of use contained in this term and term 11. You agree that you will not, (either yourself or through any third party):

10.1    use any robot, spider, screen scraper, data aggregation tool or other automatic device or process ("Automated Process") to process, monitor, copy or extract any web pages on any of our Online Sites, or any of the information, content or data contained within or accessible through any of our Online Sites, without AAI's prior written permission;

10.2    use any Automated Process to aggregate or combine information, content or data contained within or accessible through any of our Online Sites with information, content or data accessible via or sourced from any third party;

10.3    use any information on or accessed through any of our Online Sites for any commercial purpose(including but not limited to market research, the provision of pricing estimates or 'shadow shopping') or otherwise (either directly or indirectly) for profit or gain;

10.4    use any device, software, process or routine to interfere or attempt to interfere with the proper working of any of our Online Sites or any transaction or process being conducted on or through it;

10.5    take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to any of our Online Sites;

10.6    reverse engineer, reverse assemble, decompile or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with any of our Online Sites; or

10.7    copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from any of our Online Sites without AAI's prior written permission.

11. No use of any Online Site for unrelated persons

You must only use our Online Sites (as permitted by their design) to:

11.1    obtain insurance quotes;

11.2    obtain other information relating to the price of insurance cover from AAI; in respect of insurance cover for you or a member of your immediate family (with their prior consent) or for a commercial enterprise for which you seek bona fide insurance cover. You agree not to otherwise use any of our Online Sites to obtain insurance quotes, or to obtain other information relating to the price of insurance cover from AAI or conduct insurance-related transactions or queries. You also agree to indemnify AAI in respect of any liability incurred by AAI for any loss, cost, damage or expense, howsoever caused, suffered by AAI as a result of your breach of this term 11.

12. Third party providers

Parts of our Online Sites, or the provision of payment processing or other services offered via our Online Sites, may be outsourced to third party providers. These Online Terms apply to any outsourced services, unless you are otherwise notified of any alternate terms of use.

13. Copyright and trademarks

13.1    Copyright in the Material on an Online Site is owned or licensed by AAI.

13.2    Except where necessary for and incidental to viewing or using the Site Content on an Online Site via your web-enabled browser (whether on a personal computer or on a portable electronic device), or as permitted under the Copyright Act 1968 or other applicable laws, no Site Content on an Online Site may be reproduced, stored (for any period of time) in an electronic or other retrieval system, adapted, uploaded to a third party location, framed, performed in public or transmitted in any form by any process whatsoever without the specific written consent of AAI.

13.3    AAI and each of its related bodies corporate separately reserve their copyright and all other legal rights with respect to their trademarks, whether registered or otherwise.

13.4    Third party trademarks are trademarks of the respective third parties.

14. Termination

14.1    Termination of these Online Terms

These Online Terms and your access to our Online Site(s) may be terminated at any time by AAI without notice to you. You are free to cease using any of our Online Sites at anytime. However, all restrictions, licences granted by you, and all disclaimers and exclusions of and limitations on liability of AAI, will survive any termination. Upon termination by AAI, you must not directly or indirectly access or use the relevant Online Site(s) or any Site Content on the relevant Online Site(s).

14.2    Prohibition on access post termination Upon termination of these Online Terms and your right to access to our Online Site(s), you must not directly or indirectly access or use any part of our Online Site(s) or any Site Content.

15. Acceptance of and changes to these Online Terms

15.1    You acknowledge and accept that your use of an Online Site indicates your acceptance of these Online Terms.

15.2    These are the current Online Terms. They replace any other terms of use and privacy statement for an Online Site published on any of our Online Sites. AAI may at any time vary these Online Terms for security, legal or regulatory reasons, or to reflect updates or changes to the services or functionality of an Online Site, by publishing the varied Online Terms on an Online Site. AAI does not have to indicate on an Online Site that these Online Terms have changed, neither is AAI under any obligation to specifically contact or notify you of any variation to these Online Terms. You accept that AAI has provided you with sufficient notice of the variation by making available the current version of the Online Terms on the Online Site you use. By your use of an Online Site after any variation, you are taken to have accepted the new Online Terms.

16. AAI’s complaints resolution process

16.1    If you are dissatisfied with your dealings with AAI in relation to your use of an Online Site please let us know by writing to us at: Australian Alliance Insurance Company, Level 18, 36 Wickham Terrace, Brisbane QLD 4000

16.2    We will review your email and contact you with a reply or to ask you for further information, if it’s required. If you make a complaint and it is about an AAI-issued insurance policy or insurance claim, you may have additional rights of appeal, such as under the formal dispute resolution process operated by the insurance brand who sold you the policy. We will tell you if that is the case. For more information, see the complaints resolution process in the Product Disclosure Statement of the insurance product you have purchased.

17. General

17.1    An Online Site may be viewed and interacted with by anyone in the world, however age limits may apply to certain Site Content (including the sale or issue of any insurance product), promotions or offers.

17.2    AAI only offers its insurance products for sale within Australia.

17.3    The law applicable to an Online Site, and to any complaints arising from an Online Site is the law of the State of Queensland, Australia. By using any of our Online Sites you irrevocably submit to the jurisdiction of the courts of the State of Queensland, Australia, and appeal therefrom.

17.4    Should any term or part of these Online Terms be found to be void, unenforceable or invalid, then it is severed from this agreement, leaving the remainder in full force and effect, provided that the severance has not altered the basic nature of this agreement.

17.5    You may not rely on the words or conduct of AAI as a waiver of any right unless the waiver is in writing. In this term “conduct” includes delay in the exercise of any right. “Right” means any right of AAI arising under or in connection with these Online Terms or otherwise, and includes the right to rely on this term. “Waiver” includes an election between rights and remedies, and conduct which might otherwise give rise to an estoppel.

18. Linking to any of our Online Sites

Unauthorised linking to any part of an Online Site (or website operated by a related body corporate that is part of the Suncorp Group) is expressly prohibited. Please contact us if you would like to link to any part of our Online Site(s). Only written permission from us will constitute authorisation of a link.

19. Click here to read AAI's Privacy Statement for this Main Site

20. These Online Terms are dated 22 December 2011