- Acceptance of Terms
By accessing www.vacatio.com.au (“Site”) or purchasing Vacatio World2Cover travel insurance, you agree to these Terms & Conditions (“Terms”). If you do not agree, please do not use the Site or purchase the product.
- About Vacatio & Our Role
VCT Travel Pty Ltd (ABN 70 632 976 286, AR No. 1317992), trading as Vacatio, is an authorised representative of the product issuer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine) who promotes and issues World2Cover Travel Insurance. Vacatio (Vacatio World2Cover) facilitates the purchase of this product but is not the insurer and does not provide personal financial advice. Before purchasing any travel products, please consider the Vacatio World2Cover Travel Insurance Product Disclosure Statement (PDS) and the Target Market Determinations (TMDs) that apply to these products.
- Relationship with World2Cover
As an authorised representative of World2Cover, Vacatio promotes and distributes World2Cover travel insurance policies. By purchasing this product, you agree to the insurer’s Terms & Conditions available at: https://www.world2cover.com.au/terms-and-conditions.
- Target Market & Distribution
We distribute this product in accordance with the insurer’s Target Market Determination (“TMD”), available here. Vacatio takes reasonable steps to ensure the product is offered only to customers within the target market.
- Website Use
You agree to use this Site for lawful purposes only. You must not:
- Copy, modify, or distribute content without permission.
- Use the Site in a way that disrupts its functionality or security.
All intellectual property on this Site, including logos and content, remains the property of Vacatio or its licensors. They may not be used, adapted, linked to or distributed or reproduced without Vacatio’s prior written consent.
This website and its contents are provided to you on “as is” basis. Vacatio and its related bodies corporate, and their directors, officers, employees, or agents (Associates) make no representations or warranties of any kind (express or implied) as to the operation of this website or the information, content, materials or products included on this Website, except as otherwise provided, and then only to the minimum extent required, under any applicable laws.
In particular, we make no representations or warranties and exclude all liability:
- in relation to any of the material of this web site (including any as to the quality, accuracy, completeness or fitness for any particular purpose of such material);
- in relation to any material of any other web site referred to or accessed by a hyperlink through this web site (‘Third Party Web Site’). We do not endorse or approve the material of any Third Party Web Site, nor will we have any liability in connection with any of Third Party Web Site howsoever arising; or
- that this web site or any of its material is virus free. You should take your own precautions in this respect and we accept no responsibility for any harmful code that may be introduced into your system by using this web site.
Publication of electronic addresses on the Website is for the purpose of professional communication only and must not be used to infer consent to the receipt of unsolicited commercial electronic messages or viruses. Vacatio reserves its right to take any appropriate action it deems necessary (which may involve legal action or provision of information to law enforcement agencies).
- Financial Services Disclosure
Vacatio may receive commissions or referral fees from the insurer for distributing Vacatio World2Cover travel insurance. Details are outlined in the Combined Product Disclosure Statement (PDS) & Financial Services Guide (FSG), available here.
- Complaints & Dispute Resolution
We aim to provide clear and responsive support. If you have a complaint:
- Email: [email protected]
We will acknowledge your complaint within one business day and aim to resolve it within 30 calendar days.
If you are not satisfied, you can contact the Australian Financial Complaints Authority (AFCA):
- Website: https://www.afca.org.au
- Phone: 1800 931 678
- Email: [email protected]
- Privacy & Data Sharing
Vacatio respects your privacy and handles information in accordance with the Privacy Act and our Privacy Policy. When you use the Vacatio website, we only collect limited technical data (such as IP address, browser type, and site interactions) to operate, secure, and improve our site. We do not collect names, contact details, payment details, health information, or policy data on the Vacatio site. When you choose to get a quote or purchase Vacatio World2Cover, you are redirected to World2Cover (Tokio Marine), which is responsible for collecting and managing your personal information for the policy journey. Please review the Tokio Marine Australasia Privacy Policy for details. We may share technical data with service providers (e.g., hosting, analytics, advertising) and some may process data overseas. We take reasonable steps to ensure compliance with APPs. For more details, including how to manage cookies, security measures, and how to make a privacy enquiry or complaint, please see our Vacatio Privacy Policy.
- Limitation of Liability
To the extent permitted by law, Vacatio’s liability is limited to the amount paid for the product. We are not liable for indirect or consequential losses. Nothing in these Terms excludes your rights under Australian Consumer Law.
- Links to Third-Party Sites
Our Site may link to third-party websites, including World2Cover. We are not responsible for their content or practices.
- Changes to Terms
We may update these Terms from time to time. The latest version will be posted on this page with the updated date.
- Governing Law
These Terms are governed by the laws of Queensland, Australia. Any disputes will be subject to the jurisdiction of Queensland courts.
- Contact Us
Questions? Email us at [email protected]