Terms Of Use

AGREEMENT

By viewing, accessing or using the CBHS Health Fund Limited (CBHS) website ('and any online or mobile app service (Site'), including any liked page or related content, you agree to be bound by and accept the following terms and conditions including any changes. Please note additional conditions of use apply to your use of the CBHS Member Centre and CBHS Mobile App.
  

SITE CONTENT

CBHS provides information and material on the Site (Content) without warranties of any kind either express or implied. To the fullest extent possible under the law CBHS disclaims all warranties including (but not limited to) implied warranties of merchantability and fitness for a particular purpose. The placement of material from other entities on the Site in no way serves as a warranty or representation as to the fitness of such entities.
  
CBHS provides the Content for information purposes only. Information may not be accurate, complete or current. CBHS does not accept liability to any person for the information or advice provided on the Site or incorporated into it by reference. You should not act or fail to act on the basis of the Content but should obtain appropriate independent advice. 
  
The Content was current as at July 2018. The information on this Site is subject to change from time to time and although CBHS attempts to keep the Content current, CBHS does not guarantee its currency as there may be defects, errors or omissions.
  
All results from calculators on the Site are simulations which are indicative approximations only and constitute neither an offer, nor a quote nor a pre-qualification for cover.
  
All covers are subject to the CBHS Health Benefit Fund Rules (Rules), a copy of which can be obtained here or by contacting the CBHS Member Care Centre on 1300 654 123. In the event of any inconsistency arising between Site Content and the Rules, the Rules will prevail. 

The Rules and any benefit levels may change from time to time. If you anticipate seeking treatment for which a claim may be payable by CBHS, you should contact CBHS in advance of the treatment to ascertain what, if any, benefit may be payable.

  

YOUR RISKS

You accept all risks relating to potential loss, damage or other consequences resulting directly or indirectly from your use of the Site. This includes, but is not limited to, the transmission of any computer virus. We recommend that prior to using any downloaded file, you carry out an appropriate virus check.
  
The Content is provided to you on the basis that you accept full responsibility for assessing its accuracy, currency, reliability and correctness and rely on it entirely at your own risk.
  
Members should only rely on their own enquiries and seek any assurances or warranties directly from the provider of a service or product.
  

SITE SECURITY

There is a risk that information sent to or from the Site may be intercepted, corrupted or modified by third parties. CBHS makes no warranty about the strength or effectiveness of the encryption of information sent across the Site and CBHS is not responsible for events arising from unauthorised access to information provided by users over the Site.
  
In using the Site you agree you will not seek to hold CBHS, its employees or agents liable for any unauthorised disclosure, damage, loss or corruption of Content.
  
You further acknowledge that risks of damage to your software, hardware or stored information may arise due to your use of the Site. CBHS is not liable for any damage or loss incurred by you as a result of using the Site. You are responsible for maintaining the security of your own software, hardware and stored information.
  

LINKED SITES AND FEATURED COMPANIES

CBHS gives no warranty as to the accuracy, currency or completeness of any website or information accessible via links of any form from the Site. As with the Site, you accept responsibility for any loss, damage or other consequences resulting from your use of other websites and non-CBHS products in connection with the Site. 
  

COPYRIGHT

All Content, including software and any related material (except third party Content), is copyright of CBHS. You are authorised to access, download, copy or otherwise reproduce Content strictly for personal use.
  
Storing, printing, copying, downloading, linking, reproducing, distributing or in any way using Content for commercial use is prohibited without the express written consent of CBHS.
  

PRIVACY

CBHS will collect, use and deal with your personal and health information in accordance with the CBHS Privacy Policy. The CBHS Privacy Policy can be accessed by here.
  
In addition to the uses outlined in the CBHS Privacy Policy, the Site and the CBHS Member Centre use 'cookies' to provide a better service.
  
A 'cookie' is a packet of information that allows the server to identify and interact more effectively with your computer.
  
When you use either our the CBHS Site or Member Centre, we send a 'cookie' that gives each computer a unique identification number. A different identification number is sent each time our Site is used. 'Cookies' do not identify individuals, although they do identify browser type and internet service provider.
  
Each computer may be configured to accept all cookies, reject all cookies or notify the user when a cookie is sent. If you reject all cookies, you may not be able to use either the Site or the Member Centre.
  
If you have any questions or would like further information about CBHS' privacy and information handling practices, please contact CBHS at: 
Privacy Officer

CBHS Health Fund Limited
Locked Bag 5014
Parramatta NSW 2153
Phone: 1300 654 123
Fax: (02) 9843 7676
Email: privacy@cbhs.com.au

CHOICE OF LAW

By using the Site you submit to the application of the laws of the State of New South Wales in relation to any dispute arising from or related to the Site.
 

INDEMNIFICATION

To the fullest extent possible under the law CBHS disclaims all and any liability to any party for any loss or damage, whether direct, consequential, incidental or indirect, including loss of profit, arising from the use of, or reliance on, material or information made available through the Site, whether or not caused by any negligence on the part of CBHS, its agents or representatives. In using the Site you agree to indemnify CBHS for any loss or damage accruing to you as a result of your use of the Site.

ENTIRE AGREEMENT

These terms and conditions constitute the entire agreement between you and CBHS as to the use of this Site, CBHS Member Centre or CBHS Mobile App and supersede all prior inconsistent statements or representations. 

Additional Conditions of Use of CBHS Member Centre and CBHS Mobile App

This page contains the additional conditions of use which apply to your access to and use of the CBHS Member Centre and CBHS Mobile App.

Your use of the CBHS Member Centre and CBHS Mobile App signifies your acceptance of these conditions of use. In addition, your use of these services is conditional upon accepting the Terms and Conditions.

For the purposes of these terms and conditions, password refers to any access code or biometric information (e.g. fingerprint or face) stored on your device to login to the CBHS Corporate Health Member Centre and CBHS Corporate Health Mobile App.

ACCESS TO CBHS MEMBER CENTRE AND CBHS MOBILE APP

Only the main Policy Holder (as defined in the Rules) is entitled to use the CBHS Member Centre and CBHS Mobile App. The main Policy Holder is the person responsible for the payment of contributions for a membership. The main Policy Holder has the right to view, change, add or delete items relating to all persons for whom they pay contributions.

In the event that the main Policy Holder allows access to any other person, CBHS accepts no responsibility for transactions conducted in the Member Centre or CBHS Mobile App. It is the responsibility of the Policy Holder to protect the security of their membership number and password.

YOUR OBLIGATIONS

You agree you are responsible for information that you upload or otherwise provide to CBHS via the CBHS Member Centre or CBHS Mobile App and in doing so represent the information provided is true, accurate, current and complete. 
You further agree you will not use the CBHS Member Centre or CBHS Mobile App to access information or perform services related to another person unless expressly authorised to do so.  

ONLINE CORRESPONDENCE

By registering for the CBHS Member Centre the Policy Holder agrees to have their mail preference set to email and receive correspondence sent by CBHS electronically.

A new mail notification will be sent to the main Policy Holder’s email address when new correspondence is available in the main Policy Holder’s CBHS Mailbox.

A main Policy Holder can change their mail preference at any time via the CBHS Member Centre or CBHS Mobile App or by contacting the CBHS Member Care Centre.

The main Policy Holder agrees to receive electronic newsletters, promotional offers and other information related to their health insurance. The main Policy Holder can choose to opt-out from receiving these communications by updating their preference on the Member Service Centre or using the ‘unsubscribe’ option within these communications.

SECURITY

The self-service pages of the CBHS Member Centre are protected by 128 bit SSL encryption to help ensure the confidentiality and integrity of information passed between the CBHS server and the Policy Holder’s browser.

In seeking to use the CBHS Member Centre and CBHS Mobile App, each Policy Holder agrees to assist in maintaining the security of their own information by protecting their membership number and password.

• Each Policy Holder further agrees to: 

• Change their password upon initial access being granted to the CBHS Member Centre or CBHS Mobile App;
• Keep their password secure and protected;
• Keep only one record of their password;
• Keep the password record in a separate place to their CBHS member card;
• Not tell any person their password;
• Not allow any person to view their password when logging into the CBHS Member Service Centre or CBHS Mobile App; and
• Change their password regularly.

The Policy Holder agrees to contact CBHS immediately when they become aware of any inappropriate use of membership details or access to their online details.

GENERAL

Information pertaining to membership made available to a Policy Holder by the CBHS Member Centre or CBHS Mobile App may not always be up to date. For example, Remaining Limits shown (where available) do not take into account any unprocessed claims. However, changes made by a Policy Holder to their membership details will take immediate effect. For example, a Policy Holder will be immediately bound by changes made to their bank account details.

All benefits are payable in accordance with the CBHS Health Benefit Fund Rules, a copy of which can be obtained here or by contacting the CBHS Member Care Centre on 1300 654 123. In the event any information provided by the CBHS Member Centre or CBHS Mobile App is inconsistent with the Health Benefit Fund Rules, the Health Benefit Fund Rules will prevail.

CBHS retains the right to cancel, suspend or modify your use of the CBHS Member Centre or CBHS Mobile App at any time with or without notice.

Last Updated: July 2018