> Terms Website Terms & Conditions <

This website is made up of a number of areas:
The product information, marketing and online member login service application is provided by RAPID Solutions Pty Ltd, ABN 49 055 149 203. A Pacific International Company. .

1. These terms and conditions form a legally binding agreement between you and RAPID Solutions Pty Ltd ("RAPID Solutions", "we" or "us") in relation to your use of this site. You accept these terms and conditions by accessing or using any part of the site after you have first accessed a page providing a link to them.

You are welcome to print a copy for your records.

If you decline to accept these terms and conditions, you will need to exit this site immediately.

2. You acknowledge and accept these terms and conditions (as varied from time to time) each time you or any other person accesses on your behalf, any part of this site, regardless of the means by which the site is accessed, and whether such access is authorised or not.

> Use of Site <

3. This site contains general information about RAPID Solutions' insurance products and services. RAPID Solutions Pty Ltd, ABN 49 055 149 203. A Pacific International Company.

The terms and conditions of your cover will be contained in the insurance policy which will be issued to you by RAPID Solutions.

4. RAPID Solutions takes care to ensure the information found on this site is complete and accurate, however RAPID Solutions accepts no responsibility for any loss or expense arising from your use of or reliance on the information found within this site.

You are responsible for the use of this site by anyone who uses it in connection with your username, password, quote or Insurance policy details. You fully indemnify us in respect of all use of this site by you, with your consent or in connection with your use of this site, except to the extent that we have expressly authorised that use.

> Terms and conditions, this site <

5. A reference to "these terms and conditions" also includes our Privacy and Security Policy and any other conditions or requirements contained within this site.

6. A reference to "this site" or "the site" means the web site found at both
http://www.rapidsolutions.com.au and http://rapidsolutions.com.au and any part of that site.

> Withdrawal or suspension of service <

7. Our online services, or your access to them, may be withdrawn or suspended for any reason without notice, including (without limitation) the following:

• if there is an interruption to, or fault in, any applicable computer or telecommunications system or service;
• if you breach any of these terms and conditions;
• if you use a service for a purpose not expressly authorised by RAPID Solutions under these terms and conditions or otherwise in writing;
• if a service, website computer or telecommunications system is subjected to any virus, unauthorised access, denial of service or similar event; for maintenance or security purposes; or if RAPID Solutions no longer wishes to provide a service or maintain this site.

> Copyright <

8. The site and its contents are subject to copyright. The copyright is owned by RAPID Solutions or, in the case of some material, third parties.

9. You may view this site and its contents using your web browser and make a reasonable number of copies of parts of this site solely for personal, non-commercial use. Any other use, including the reproduction, modification, distribution, republication, display or communication, of any site content is strictly prohibited without written permission from RAPID Solutions.

> Trade marks <

10. This site contains registered trade marks and other trade marks of RAPID Solutions that are protected by law. Except as expressly authorised, the use of any of these trade marks is strictly prohibited.

> Viruses <

11. RAPID Solutions cannot guarantee that any file or program available for access, download and/or execution from or via this site is free from viruses or other conditions that could damage or interfere with data, hardware or software with which it might be used. You assume all risk of use of all programs and files on this site and you release RAPID Solutions entirely from all responsibility for any consequences of its use.

> Interference <

12. You will not hack into, change or otherwise interfere with the operation of this site or any information contained within it.

> Third party sites <

13. This site contains links to third party sites.

14. RAPID Solutions is not responsible for the condition, security levels, content or any other aspect of any third party sites.

15. RAPID Solutions does not provide any links to its sites without prior permission.

> Disclaimer <

16. You agree that your access to, and use of, this site is subject to these terms and conditions and all applicable laws and is at your own risk. You acknowledge that this site and its contents are provided on an "as is" basis.

17. RAPID Solutions makes no representations or warranties of any kind, express or implied, concerning the operation of this site, or any related information, content, materials or products, except as required under applicable laws.

> Liability limited <

18. Except to the extent required by law, neither RAPID Solutions nor its affiliates, directors, officers, employees, agents, service providers, other contractors, successors or assigns will be liable for any losses, damages, liabilities, claims or expenses (including legal costs or settlement costs) whatsoever, whether in contract, tort (including negligence), statute or otherwise, arising out of, or in any way related to, the use of this site and any site linked to it. This limitation applies to all direct, indirect, consequential, special, punitive or other losses, damages, liabilities, claims or expenses you or others may suffer, including for loss of profits, business interruption or loss or corruption of data or information.

19. RAPID Solutions' liability for a breach of a condition or warranty which
is implied by law and cannot be excluded is limited, to the maximum extent
possible, to one of the following at RAPID Solutions' option:

• the supply of the goods or services again;
• the repair of the goods; or
• the payment of the cost of having the goods or services supplied again or repaired.

> Applicable law <

20. This site is provided for use by Australian residents only. Your use of this site is governed by, construed and enforced in accordance with the laws of New South Wales, Australia. Disputes arising from your use of this site are exclusively subject to the jurisdiction of the courts of New South Wales, Australia (including the Federal Court of Australia, N.S.W. Registry).

21. This site may be accessed throughout Australia and overseas. Without limiting the above disclaimer, RAPID Solutions make no representations that the content of this site complies with the laws, including intellectual property laws, of any country outside Australia. If you access this site from outside Australia, you do so at your own risk and are responsible for complying with the laws in each place where you access the site or where anything you publish or upload can be accessed.

> Variations to terms and conditions <

22. These are the current terms and conditions. We may at any time vary these terms and conditions by publishing the varied terms and conditions on this site. You accept that, by doing this, we have provided you with sufficient notice of the variation.

END OF CONTRACT
Updated:
29th December, 2006