We provide factual information. We hope that the information which we provide will help you to make a more informed decision. We compare a vast range of travel insurers or products. We don’t cover all travel insurers or products available in the market hence there may be other options available to you. We also don’t recommend specific travel insurers or products. We do not compare all travel insurers or products in the market. Any advice given above is general and does not take into account your objectives, financial situation or needs. You should consider whether the advice is suitable for you and your personal circumstances, and before you make any decision about whether to purchase a product, you should read the PDS for that product. If you decide to apply for a product through our website you will be dealing directly with the provider of that product and not with us. Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria.
Use and access
By using this site, you agree with our terms and condition while you are buying the product and if you are under age of 18, you should speak to your parents, your guardian or a responsible adult and take their permission to use this site.
You agree that you will use this website in accordance with applicable local WA laws, rules and regulations.
You agree that you will not use, nor will you allow any third party to use, the Website for any purpose that is unlawful, defamatory, harassing, abusive, fraudulent or obscene way or in any other inappropriate way or in a way which conflicts with the Website or the Services.
If you contribute to our forum (if any) or make any public comments on this Website which are, in our opinion, unlawful, defamatory, harassing, abusive, fraudulent or obscene or in any other way inappropriate or which conflict with the Website or the Services offered, then we may at our discretion, refuse to publish such comments and/or remove them from the Website.
Limitations and exclusions of liability
These Terms set out the full extent of LMTI’s obligations and liabilities in respect of the LMTI Services and Platforms.
LMTI has no responsibility whatsoever for any arrangements you make with any third party as a result of your use of the LMTI Services and/or LMTI Platforms (including, without limitation, any Travel Provider). In the event that you encounter any problems with any issuing travel policy you make or attempt to make via LMTI, you acknowledge that you should resolve that issue with the relevant policy Provider and that your sole remedy in such circumstances, including any refund, lies with the relevant policy Provider and not with LMTI. Where the LMTI Services and/or LMTI Platforms contain links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.
LMTI is not liable for the accuracy, quality, completeness, reliability or credibility of content provided by users and/or policy provider sites. In particular, there is no advice or information from LMTI regarding the selection of travel policy.
All agreements that arise through this service are between the LMTI user and the respective external contracting policy provider site. In particular, LMTI does not act as the organizer at any time. The terms and conditions of the respective policy provider apply exclusively, especially regarding the right to cancel and to withdraw. The contact for the processing of issuing policies and payments, as well as questions about the contract, is the respective contracting policy provider site. LMTI remains uninvolved in such contractual arrangements, agreements, and claims between the LMTI user and the respective external contracting policy provider site.
LMTI is not liable for technical malfunctions for which the cause is not within LMTI’s sphere of responsibility or for damages caused by superior force. LMTI does not guarantee uninterrupted availability of data and may perform technical maintenance during a freely chosen time period.
Online Data Security
We use the industry standard Secure Socket Layer (SSL) technology which encrypts entered information, this prevents third parties from capturing the information. This prevents third parties to read or changing your information as it travels over the internet.
Changes to the Terms and Conditions
Our terms and conditions will be changed or updated from time to time and become effective the moment it is posted on our site. If you subsequently use our site or services you are deemed to have an accepted the amended terms and conditions.
Third Party Website
The Site or third parties may render links to other www sites or resources. Because LMTI has no control over such sites and resources, you acknowledge and agree that LMTI is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that LMTI shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or dependence on any such content, goods or services available on or through any such site or resource.