By these Terms and Conditions AIG Australia Limited permits access to the application and web based travel assistance services ("Mobile Services"). These Mobile Services are provided at no additional charge.

Acceptance

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THESE MOBILE SERVICES.

THESE MOBILE SERVICES ARE MADE AVAILABLE TO USERS ON THE BASIS OF THESE TERMS AND CONDITIONS. BY DOWNLOADING, ACCESSING, BROWSING OR USING THESE MOBILE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.

AIG Australia Limited reserves the right, in its sole discretion, to update or revise these Terms and Conditions and are effective immediately once such updated or revised Terms and Conditions are posted on http://travelguardapp.com/appT_C.html. If you do not agree to these Terms and Conditions, do not use the Mobile Services. Please check the Terms and Conditions periodically for changes. Your continued use of any Mobile Services following the posting of any changes to the Terms and Conditions constitutes acceptance of those changes. The Mobile Services and the data contained therein will be updated regularly. You will receive notifications of these updates.

Privacy

From time to time, you may be providing AIG Australia Limited with personal information. Such personal information is subject to AIG Australia Limited's Privacy Policy, which can be found at: http://www.aig.com.au/privacy-policy-australia_920_575960.html

To enable AIG Australia Limited to provide relevant information to you through the Mobile Services, the information that you provide should be true, accurate, current and complete.

Disclaimer and Limitation of Liability

To the extent permitted by the Competition and Consumer Act 2010 (Cth) ("the Act") AIG Australia Limited, its parents, subsidiaries and affiliates (hereinafter referred to collectively as "AIG"), exclude any guarantee or warranty, express or implied (a) of the completeness or accuracy of the data you access, including without limitation, implied warranties of satisfactory quality, fitness for a particular purpose, and (b) that access will be uninterrupted, timely, secure or error free, that defects will be corrected, or that the Mobile Services or the server that makes it available are free of viruses. You acknowledge that the Mobile Services are provided "as is" and "as available" for your use.

While AIG uses reasonable efforts to include accurate and up-to-date information on the Mobile Services, errors or omissions may occur on occasion. AIG does not give any guarantee or warranty that the list of medical and other emergency providers delivered via the Mobile Services is exhaustive, nor any guarantee or warranty regarding the quality of the services delivered by those providers. To the extent permitted by the Act, AIG will not be liable for any loss or damage, including, without limitation, special, indirect, punitive or consequential loss or damage, loss of profits, howsoever arising from or relating to the use of the Mobile Services.

Please note that while the Mobile Services are provided at no additional charge, you may be responsible for any medical or other charges for services obtained by you as a result of using the Mobile Services.

AIG Australia Limited is unable to provide any Mobile Services or any form of travel service arising there from directly or indirectly related to travel in, to or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan or Syria.

Modifications and Charges

AIG Australia Limited reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, or impose or change any fees or charges for use of the Mobile Services.

The Mobile Services will generate mobile data usage. The amount of data usage will vary greatly depending on the frequency and duration of use. It is highly recommended that you subscribe to a "data plan" through your mobile carrier if you elect to utilise the Mobile Services. Substantial data usage fees may be charged in the absence of a "data plan" or in the event that you exceed your "data plan's" monthly allotment.

It is your responsibility to be aware of the details of your account with your mobile carrier, including what will result in a fee being charged. The terminology used above may vary from carrier to carrier. "International roaming" may increase these fees. If you have any question whether the usage of any Mobile Services will result in a charge or increase in/on your phone bill, please contact your mobile carrier.

In no event shall AIG Australia Limited be responsible for any charges, penalties, taxes, overages, or any other fee imposed by your mobile carrier as a result of your use of the Mobile Services.

Third Party Information and Links

Through the Mobile Services, you may be able to access links to third party Web sites ("Linked Sites"), or information obtained from parties other than AIG ("Third Party Information"). The Linked Sites and Third Party Information are not under AIG's control and AIG shall not be responsible for the contents of any Linked Site or Third Party Information, including without limitation the accuracy, copyright compliance, legality, decency, links or any other aspect of the Linked Sites. AIG shall not be responsible for any form of transmission received from any Linked Sites or for the ability to access such Linked Sites. AIG provides such links and information to you only as a convenience, and the inclusion of any link or Third Party Information does not imply endorsement by AIG of such Linked Site. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites. You agree that AIG is not responsible for any content sent through the Mobile Services by any third party.

Restrictions on Use of Materials

These Mobile Services are owned and operated by AIG Australia Limited. Except as otherwise expressly permitted by AIG Australia Limited, no materials from these Mobile Services may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way. You may download material displayed on these Mobile Services for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transit, reuse, report or use the content of these Mobile Services for public or commercial purposes without AIG Australia Limited's written permission.

Trademarks and Copyrights

All trademarks, service marks, trade names, logos and icons are proprietary to AIG. Nothing contained in these Mobile Services should be construed as granting, by implication, estoppel or otherwise, any license of right to use any trademark displayed on these Mobile Services without the written permission of AIG. Your use of the trademarks displayed on these Mobile Services, or any other content on these Mobile Services, except as provided herein, is strictly prohibited.

Images displayed on the Mobile Services are either the property of, or used with permission, by AIG. The use of these images by you, or anyone authorized by you, is prohibited unless specifically permitted by AIG.

Governing Law and Dispute Resolution

Any dispute arising out of or in connection with these Terms and Conditions, including any question regarding its existence, validity or termination, shall be referred to and finally resolved pursuant to the laws of Victoria, Australia and any dispute shall be referred to and finally resolved by arbitration in Australia, conducted by the Supreme Court of Victoria in accordance with the Rules of the Supreme Court of Victoria for the time being in force, which is deemed to be incorporated by reference in this Clause. The number of arbitrators shall be three, with each party appointing an arbitrator and the third arbitrator shall be appointed by the two arbitrators appointed by the parties. The language to be used in the arbitration shall be English.


Dated 1 Sept 2013

15/00174