Better Bills is wholly owned and operated by Split It Pty Ltd. Better Bills provides an online aggregation and comparison service, helping our customers (“you”) find a great solution for their needs by comparing on price, fit and independent social recommendations.
This website is owned and operated by Split It Pty Ltd ABN 83 151 244 558 (collectively, “Split It”, “we”, “us” or ‘our”) under the domain name betterbills.com (“the website”).
Our operations and approach are driven by our core values of simplicity, transparency and value creation. There are couple of things that we want you to know up front.
We are not a private health insurer (‘Health Fund”)
We are not a financial adviser
We commit to paying you at least 50% of any fee that we receive in relation to the information provided or product selected by you
We do however have to have terms and conditions about your access to and use of the website.
The information, materials and services provided on the website is conditional upon your acceptance and compliance with the terms, conditions, statements, notices, policies and disclaimers contained on this website (“Terms”).
Simply this means that your continued use of the website means you accept these Terms. Therefore, if you do not wish to be bound by these Terms you should not continue to access, browse and/or use the website.
Note: Split It reserves the right to amend these Terms at any time. In such an event, we will provide notice by publishing the varied Terms on the website. You accept that by doing this, we have provided you with sufficient notice of the variation.
Split It Terms and Fine Print
We want you to know that Split It is not a Health Fund or a financial adviser. We do not provide any health or financial advice.
The website and related services are intended to assist you in selecting and purchasing products and services and in some cases, to provide a link between you and a health fund adviser and /or qualified and/or licensed financial adviser and /or other expert adviser (“Expert”).
Where you have selected to receive a service from one of the participating service providers, such as a Health Fund, your information will be passed on to the relevant provider to enable completion and delivery of the service you have requested to receive.
The participating providers are not employed by us. We do not sponsor, endorse, recommend or approve any provider, who offers services through the website. All premium quotes provided on the website are subject to variation by the service provider and should therefore be considered indicative quotes which are subject to change and confirmation by the service provider at the time of purchase.
There is no commercial relationship, explicit or implied endorsement of Split It and its service by any provider whose products may be represented on this site, but where no commission is paid and/or logo displayed for that provider. Split It displays product information of these providers only for the purpose of providing users of the site with a more comprehensive and transparent comparison service.
Split It Commission payment
We will not provide any of your personal information to a participating provider without your prior consent. Split It may receive a fee for completing a purchase by you of the providers products and services via the website, or for providing your personal information to a participating provider.
We will declare to you any fee that we receive for providing your personal information and/or application for any product, and we commit to paying you at least 50% of any fee that we receive in relation to the information provided or product selected by you. This will include both up front and any trailing commission fees.
We do not impose a restriction on the number of separate products and services you can purchase through Split It, however in order to ensure we are able to continue providing this service, and to protect the participating providers in our service, we do not permit customers to purchase the same product or service (i.e. health insurance) more than twice in any 18 month period. We maintain the right to withhold any cash back payment if we believe you are unfairly or fraudulently trying to obtain cash back by gaming the system. This is to prevent increased costs being placed on the system which results in higher premiums for all our customers. This does not impact any contracted cooling off periods which participating providers may provide to you.
Whilst we use all reasonable endeavours to ensure that participating providers are qualified and licensed to provide their relevant services, we cannot and do not guarantee, warrant or represent that any participating provider who offers services through this website is licensed, qualified, or able to perform the relevant services.
We recommend that you take all necessary measures and precautions before you engage or rely on any information provided by the participating provider to act on your behalf and/or seek to rely on any information provided by the provider.
We cannot and do not guarantee that the participating provider will be able to provide the services requested. Consequently, you agree and acknowledge that we may not be able to provide the service requested by you notwithstanding the submission of all required information on your part.
Timeliness of response
We are committed to providing you with a timely response. Where our service involves a health fund expert, financial expert or any other expert (“expert”) to contact you to assist you with your enquiry, we will work to ensure that you are contacted by that expert within 2 business days from the time an on-line request is submitted on the website (“response time”). Notwithstanding this, we cannot and do not guarantee the response time of any or all of our participating experts.
If you are not contacted within the response time, please let us know: firstname.lastname@example.org
Intellectual Property Rights
The material contained on this website is protected by copyright. You may use the website only for your personal and non-commercial purposes.
Except to the extent permitted by relevant copyright legislation, you must not use, reproduce, modify, adapt, transmit, store, print, publish or distribute the material on the website, or create any other material using material on the website, without obtaining our prior written consent. The trademarks appearing on the website (whether registered or unregistered) are primarily our trademarks or of those of our affiliates. Other trademarks which may be displayed on the website are trademarks of their respective owners. Such trademarks must not be used or modified in any way without our express written consent or the relevant affiliate or third party owner.
You agree that all the materials displayed on or available through the website, including without limitation any and all names, logos, data, information, text, graphics, advertisements and underlying software displayed on or available from the website are protected by copyright, trademark and other intellectual property laws and are available for your personal use only.
The website, products, technology and processes contained in this website may be the subject of other intellectual property rights owned by Split It or by third parties. No licence is granted in respect of those intellectual property rights other than as set out in these Terms. Your use of the website must not in any way infringe the intellectual property rights of any person.
Third party website links
The website may contain links and pointers to other websites operated by third parties. Such links and pointers are provided for your information and convenience only. We make no representations about the accuracy or suitability of the information or links which may be provided on the website. Split It does not control these third party websites and cannot be responsible for the content or accuracy of the information or other material contained on these websites.
Unless otherwise expressly stated on the website, the provision of a link to an external website does not constitute an endorsement or approval of that website, its operator and/or any products or services offered on or through that website.
It is strongly recommended that you seek independent expert advice if you have any concerns regarding what services, products or solutions may be suitable for you.
Before using other websites, we strongly recommend you examine the terms and conditions governing the use of those websites as they may differ from Split It. Similarly, before disclosing your personal information on any other website, we advise you to examine the privacy policies of those websites.
You agree that by accessing any third party linked website you do so at entirely at your own risk. Split It will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with, use or reliance on any goods or services available on or through any third party website.
Hyperlinks to Split It are only permitted where prior written consent has been obtained.
Right to modification and change
We reserve the right to amend, modify, delete, amend and make changes and corrections to any part of the website at any time without notice.
Split It does not guarantee continued availability of any particular product or service advertised or referred to on the website.
Information does not represent professional advice
The information and material provided on or through the website is provided as general information only and should not be regarded as a substitute for professional legal or financial advice. Prior to entering into a transaction or taking any particular course of action in connection with the information you receive from the website, you should make your own inquiries and seek independent advice tailored to your specific circumstances and objectives.
No Guarantees as to the Service
The website may contain downloadable materials and links to external websites. Split It is not responsible for, and has no control over, the content of downloadable materials or external websites. You understand that we cannot and do not guarantee, warrant or represent that a file or software of any kind, or from any source, available for downloading through the website, will be free of infection or viruses, worms, Trojan horses or other code or defects that manifest contaminating or destructive properties.
Disclaimer and Limitation of Liability
The reports and statistical data provided by this website service (collectively “the information”) are derived from third party data collection companies and from information provided to us by health funds and/or financial institutions. Split It does not warrant the accuracy of the information and does not accept liability for reliance on such information. In addition, we do not accept liability for the acts or omissions of others including but not limited to, those who provide the data and statistical information used to compile the information.
Certain rights and remedies may be available under the Trade Practices Act 1974 or similar legislation of other States or Territories and may not be permitted to be excluded, restricted or modified. Apart from those that cannot be excluded, Split It and its related entities exclude all conditions and warranties that may be implied by law. To the extent permitted by law, our liability for breach of any implied warranty or condition that cannot be excluded is restricted, at our option to: the re-supply of services or payment of the cost of re-supply of services; or the replacement or repair of goods or payment of the cost of replacement or repair.
When using the World Wide Web, the Internet or third party networks or facilities, you are using networks, facilities and services that are beyond our control.
You assume all risk and liability of your use of the World Wide Web, the Internet or any such third party networks, including any access to the website via such media.
The use of the website is governed by, construed and enforced in accordance with the laws of Victoria, Australia and you irrevocably submit to the non-exclusive jurisdiction of the courts of Victoria, Australia and their respective courts of appeal in that regard.
The website may be accessed throughout Australia and overseas. Split It makes no representations that the content of the website complies with the laws (including intellectual property laws) of any country outside Australia. If you access this website from outside Australia, you do so at your own risk and are responsible for complying with the laws in the place where you access the website.
If any part of these Terms is held invalid, illegal or unenforceable, that part shall be severed and the remainder will continue to be valid and enforceable.
Reservation of rights
Any rights not expressly granted to you herein are reserved by Split It.
Information we collect and how we use it
We may collect the following types of information:
Information you provide – When you apply for a product or service with Split It, we ask you for personal information. We may combine the information you submit under your account with information from other Split It services or third parties in order to provide you with a better experience and to improve the quality of our services.
Log information – When you access Split It services via a browser, application or other client our servers may automatically record certain information. These server logs may include information such as your web request, your interaction with a service, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser.
User communications – When you send email or other communications, such as via Twitter, Facebook, LinkedIn etc. to Split It, we may retain those communications in order to process your inquiries, respond to your requests and improve our services. We may use your email address to communicate with you about our services.
In addition to the above, we may use the information we collect to:
- Provide, maintain, protect, and improve our services (including advertising services) and develop new services; and
- Protect the rights or property of Split It or our users.
If we use this information in a manner different than the purpose for which it was collected, then we will ask for your consent prior to such use.
Split It processes personal information on servers in Australia and in other countries. In some cases, we process personal information outside Australia.
Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some Split It features and services may not function properly if your cookies are disabled.
Split It only shares personal information with other companies or individuals outside of Split It in the following limited circumstances:
We have your consent. We require opt-in consent for the sharing of any sensitive personal information.
When you complete an application for the product or service of a company through Split It, we assume your implied consent to share the specific elements of your personal information required to fulfil your application with the company providing the product or service you are applying for. We share this via secure and encrypted means to ensure only that company can view your personal information.
We have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce applicable Terms of Service, including investigation of potential violations thereof, (c) detect, prevent, or otherwise address fraud, security or technical issues, or (d) protect against harm to the rights, property or safety of Split It, its users or the public as required or permitted by law.
We take appropriate security measures to protect against unauthorised access to or unauthorised alteration, disclosure or destruction of data. These include appropriate encryption and physical security measures to guard against unauthorised access to systems where personal data is stored.
We restrict access to personal information to Split It employees, contractors and agents who need to know that information in order to process it on our behalf. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution, if they fail to meet these obligations.
Accessing and updating personal information
When you use Split It services, we make good faith efforts to provide you with access to your personal information and either to correct this data if it is inaccurate or to delete such data at your request if it is not otherwise required to be retained by law or for legitimate business purposes. We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup tapes), or for which access is not otherwise required. In any case where we provide information access and correction, we perform this service free of charge, except if doing so would require a disproportionate effort. Because of the way we maintain certain services, after you delete your information, residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems.
Last updated 2 April 2012