Use the moneytime health insurance comparison engine to find the right health insurance policy for you.
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Terms and Conditions

This page describes the conditions under which we operate moneytime, and covers the legal issues involved, so we encourage you to take time to read them. If you have any additional questions or concerns, please contact us to let us know, and we will be happy to respond.

1. Use of this website

a. By using our website and its product comparison technology, you are agreeing to the Terms and Conditions outlined on this page.

b. You confirm that you are resident in Australia.

c. This website is for non-commercial, personal use only.

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2. About the business

a. moneytime is not a broker, but an agent or introducer of products from a panel of chosen Suppliers.

b. We provide comparison information on products whose Supplier has chosen to promote them through our technology. Presently we provide product and price comparison services for private health insurance, with further services for other products such as Home Loans, Travel Insurance, Home & Contents Insurance etc. coming soon.

c. moneytime is a Private Limited Company, moneytime Pty Ltd, ABN 68 103 117 077, whose registered address is Level 1, 48 Cronulla Street, Cronulla NSW 2230. The operating company for Private Health Insurance comparison is moneytime Health Pty Ltd, ABN 88 123 302 303, registered at the same address, and operating from Level 1, 48 Cronulla Street, Cronull NSW 2230. See About Us for more information.

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3. The process

a. In order to get product comparison information from moneytime, you will need to answer a number of questions, or select from a menu of options, which we then use to identify the products from our panel of Suppliers that meet those criteria. The answers you provide will determine the amount you pay and the level of cover you receive in the case of insurance, or the type of product most suitable for you based on your answers, for other products.

b. We also provide the capability to apply for the product you have identified without leaving the moneytime website. In order to do this, we provide a comprehensive application form which covers the full set of questions required by the Supplier of the product or service you have chosen to apply for.

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4. Products and services offered on this website

a. The products and services described in this site are only available to Australian residents.

b. In some areas such as Home Loans, suppliers may adjust their rates on a regular basis. Any price quoted to you by moneytime, as well as the features of the product it applies to, will be accurate at the time of issue, based on the details you provided and confirmed, and the information provided to us by the product Suppliers.

c. You will receive the same price and features from the insurance or financial services Supplier as you would receive if you were to apply to them directly.

d. We hold product information and prices from our panel of product suppliers in our database. These are updated each time a supplier makes a change. Our product and price comparison technology will show a list of the prices it finds along with the product features to enable you to make an informed decision.

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5. Applying through moneytime

a. To apply for a product presented by our system, you complete the application for that product, and it is forwarded securely by moneytime to the Supplier. It is the acceptance procedure of the Supplier, not moneytime, that will determine what form the confirmation of your application will take.

b. moneytime will provide you with confirmation details of the product you selected, the Supplier to whom it was submitted, and the time and date of your application. However, this confirmation does not indicate that your application has been successful, as indication of acceptance must come from the Supplier themselves.

c. The Supplier will provide both you and moneytime with confirmation of the transaction. If there is any delay in this occurring, you may contact moneytime, quoting the information contained on the moneytime transaction confirmation, and we will do our best to determine the status of the application with the Supplier on your behalf.

d. Before you submit your application, it is important that you check the information you provide, as it is your responsibility to ensure all your details are correct. Failure to do so could result in invalidating your product, and in the case of insurance, invalidating your cover. moneytime provides, where available, the full product disclosure statement from the Supplier. These are the Terms and Conditions that you agree to by buying from them and are completely separate from those of moneytime.

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6. Limitation of Liability

a. We accept no responsibility, or any liability whatsoever, for the terms applying to any contract entered into with any Supplier through moneytime, or for any problems or complaints that may arise in the operation of the product itself.

b. moneytime's technology is very sophisticated, and the underlying procedures that bring the products to you for comparison are thoroughly checked and tested. However, we stress that it is your responsibility to check that your details are correct before applying, and for the acceptance of the product applied for.

c. If any information has been incorrectly entered, it is your responsibility to identify the mistake and, as such, we exclude all our liability which by law we can exclude, in respect of any losses you may incur.

d. We have taken every reasonable step to make sure the information contained in this website is accurate and up-to-date. However, we can accept no liability for any errors or omissions. We reserve the right to add, amend or delete information from this site at any time.

e. We can give no warranty that this site and its contents are free from viruses or other contaminating or destructive properties.

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7. Changes to these Terms and Conditions

a. We reserve the right to amend our Terms and Conditions at any time. The amended terms will be effective from the date they are posted on our website.

b. If you breach any of these Terms and Conditions, moneytime may suspend, terminate or limit your access to this website.

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8. Feedback and complaints

a. Our objective is to provide the best service possible in searching out and presenting products to you for selection. However, if you feel that we have fallen short of this objective, please let us know by email or letter addressed to:

Email: info@moneytime.com.au

Post: Managing Director moneytime Pty Ltd PO Box 514 Queen Victoria Building NSW 1230

b. We will acknowledge your complaint on the next working day after we receive your email or letter, and will at that time indicate how and when we will be responding in full.

c. If your complaint is regarding the operation of the product you purchased, then the proper channel is to contact that Supplier directly. moneytime cannot accept liability for errors made by the provider or answer complaints on their behalf.

d. In those cases, we recommend that you write to the Managing Director of the product Supplier. You can obtain this information from their website or from the documentation sent to you when you bought the product(s). If you are still dissatisfied, follow your Supplier's complaints procedure.

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9. Copyright and intellectual property

a. The copyright in the materials contained in this website belongs either to moneytime Pty Ltd, or where it is product information, descriptions and pricing detail, to the Supplier of the product to which it refers.

b. Any person may copy any part of this material, subject to the following conditions:

  • the material may not be used for commercial purposes;
  • the copies must retain any copyrights or other intellectual property notices contained in the original material;

c. The technology or processes described in this website may be subject to other intellectual property rights reserved by moneytime Pty Ltd.

d. Images on this website are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of their respective owner(s).

e. Except for third party trademarks, all Intellectual Property Rights including, without limitation, all database rights, rights in design, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction in any information, content, materials, data or processes contained in or to this website belong to moneytime Pty Ltd. All rights of moneytime Pty Ltd in such Intellectual Property Rights are hereby reserved.

You are asked to view this Statement separately and give it due consideration before using our services. Please click here to view our Privacy Statement.

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