Disclaimer

Everything we publish is general in nature. We do not know your circumstances, your health history, your finances or your property, and nothing on this site takes them into account. Before acting on anything you read here, consider whether it fits your situation and, where the decision matters, get advice from someone qualified to give it.

Our health pages describe how a service works, what it costs and how providers differ. They are not medical advice and are not a substitute for consulting a registered health practitioner. We do not diagnose, we do not recommend treatments, and we do not name prescription medicines. Whether any treatment is appropriate for you is a decision for a practitioner who has assessed you.

If you are experiencing a medical emergency, call 000. For health advice, speak to your GP or call healthdirect on 1800 022 222.

Refer Labs is not a lender, credit provider, finance broker, insurer or insurance broker, and holds no Australian Financial Services Licence or Australian Credit Licence. Nothing on this site is financial product advice or credit assistance. Where we describe an insurance product, read the provider's Product Disclosure Statement and Target Market Determination, which govern what you are actually covered for.

Every price, discount code and offer on this site was read off the provider's own published page and carries the date it was read. Providers change prices, terms, eligibility and availability without telling us, and a code may expire or be withdrawn at any time. Treat what we publish as a dated record rather than a quote, and confirm the current terms with the provider before you commit.

Where a figure is an estimate rather than a published price, such as a rebate that floats with certificate prices, we say so on the page and label it as indicative.

Refer Labs compares providers. It does not manufacture, prescribe, dispense, install, underwrite, lend or supply anything. Your contract is with the provider you choose, on their terms, and any goods, services, treatment, cover or advice you receive is theirs to deliver and theirs to stand behind. Complaints about a provider are best raised with the provider, and then with the relevant regulator or ombudsman.

Many pages carry disclosed affiliate links, and some let you submit an enquiry we introduce to a provider. Where a reader signs up, buys or has an enquiry taken up, the provider may pay us a commission or referral fee, at no extra cost to you. We do not sell rankings, we do not accept payment for placement, and we publish no star ratings or testimonials of our own. How we make money sets out the arrangements in full.

We link to providers, regulators and industry sources. We do not control those sites and are not responsible for their content, their accuracy or their handling of your data. Figures we attribute to a third party are reproduced as that source published them, with the date we read them.

Nothing on this page excludes, restricts or modifies any guarantee, right or remedy you have under the Australian Consumer Law or any other law that cannot lawfully be excluded. Where a law implies a guarantee that cannot be excluded, our liability is limited to the extent the law permits. This disclaimer sits alongside our Terms of Service and Privacy Policy, and does not replace them.

If something here is wrong, tell us and we will fix it. Email jarred@referlabs.com.au with the page and what is inaccurate. We correct errors of fact on the page itself rather than quietly, and we update the date when we do.