Terms of Service

1. Agreement to Terms

By accessing or using the Solace Life website (solacelife.com.au), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services. These terms apply to all visitors, users, and others who access or use the website.

2. About Our Services

Solace Life Pty Ltd is a Corporate Authorised Representative (No. 1319041) of Nexa Life Solutions Pty Ltd (ABN 85 672 917 896, ACN 672 917 896), which holds Australian Financial Services Licence No. 563622.

Solace Life provides general guidance on life risk insurance products, including life insurance, total and permanent disability (TPD) coverage, trauma (critical illness) coverage, and income protection insurance.

We do not provide personal financial planning. Any information or guidance provided through our website or consultations is general in nature and does not take into account your individual objectives, financial situation, or needs.

3. General Disclaimer

4. No Professional Relationship

Your use of this website does not create a professional relationship between you and Solace Life Pty Ltd or Nexa Life Solutions Pty Ltd. A professional relationship is only established when you formally engage our services and we provide you with a Financial Services Guide (FSG) and any relevant disclosure documentation.

5. Website Content

The content on this website is provided for general informational purposes only. While we endeavour to keep the information accurate and up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information, products, services, or related graphics contained on the website.

Any statistics, data, or research referenced on this website have been sourced from third-party providers and are believed to be reliable at the time of publication. However, Solace Life does not independently verify all third-party data and cannot guarantee its accuracy or completeness. You should not rely solely on this information when making financial decisions.

6. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Solace Life Pty Ltd or its licensors and is protected by Australian and international copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our prior written consent.

7. Third-Party Links

This website may contain links to third-party websites or services that are not owned or controlled by Solace Life. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We encourage you to review the terms and privacy policies of any third-party website you visit. The inclusion of any link does not imply endorsement or approval by Solace Life.

8. Limitation of Liability

To the maximum extent permitted by applicable law, Solace Life Pty Ltd, its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your access to, use of, or inability to access or use the website or our services.

Nothing in these terms excludes, restricts, or modifies any right or remedy, or any guarantee, warranty, or other term or condition implied or imposed by any legislation which cannot lawfully be excluded or limited under Australian Consumer Law.

9. Privacy

Your use of this website is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. Please review our Privacy Policy for full details.

10. Changes to Terms

We reserve the right to modify or replace these Terms of Service at any time at our sole discretion. Changes will be effective when posted on this page. Your continued use of the website after any changes constitutes acceptance of the revised terms. We encourage you to review this page periodically for updates.

11. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of New South Wales, Australia. You irrevocably submit to the exclusive jurisdiction of the courts of New South Wales and the courts of appeal from them for the purpose of any proceedings arising out of or in connection with these terms.

12. Contact

If you have any questions about these Terms of Service, please contact us: