SMS Terms & Messaging Policy

Effective 7 October 2026

This policy explains how Insurade sends SMS messages, how we obtain your consent, and how you can stop receiving them. We follow the Spam Act 2003 (Cth), the Spam Regulations 2021 and the Privacy Act 1988 (Cth).

1. Who sends the messages

Messages are sent by Insurade, a trading name of Erik Dempsey (sole trader), ABN 69 971 493 879, QLD 4217. Every message identifies Insurade as the sender.

2. Types of messages

We never send marketing SMS without your express consent. Consent is never pre-ticked and is never a condition of registering or contacting us.

3. Frequency and cost

Marketing messages are limited to up to 4 per month. Service messages are sent only as needed. We do not charge for messages, but your mobile carrier's standard rates may apply.

4. Rules every marketing message follows

• Consent: sent only to people who gave express consent, or where the law allows inferred consent from an existing relationship.
• Identify: each message clearly identifies Insurade and how to contact us.
• Unsubscribe: each message includes a free way to opt out (reply STOP). The facility stays working for at least 30 days after the message is sent.
• Timing: we aim to send marketing messages between 9am and 8pm (recipient's local time) on weekdays, and 9am–5pm on Saturdays, and not on Sundays or national public holidays.
• No purchased lists: we never buy, rent or use harvested phone numbers.

5. How to opt out

• Reply STOP to any message; or
• Email info@insurade.org with "UNSUBSCRIBE" and your mobile number; or
• Use the contact form and choose "Unsubscribe / opt out".

We action opt-out requests within 5 business days, and usually immediately. You may receive one confirmation message. Opting out of marketing does not stop service messages you have separately asked for unless you tell us to stop those too. Reply HELP for help.

6. Consent records

When you give consent we record the date and time, the form used, the exact consent wording you agreed to, and your mobile number. We keep these records while we send you messages and for a reasonable period afterwards so we can show we complied with the law.

7. Your number

Your mobile number is handled under our Privacy Policy. We do not sell or share your number with third parties for their own marketing. We use an Australian-based SMS gateway provider to deliver messages on our behalf.

8. Complaints

Contact us first at info@insurade.org. If you're not satisfied, you can report unsolicited messages to the Australian Communications and Media Authority (ACMA) at acma.gov.au.

Terms of Use

Effective 7 October 2026

1. About us

This website, insurade.org (the "Site"), is operated by Erik Dempsey, a sole trader trading as Insurade, ABN 69 971 493 879, located in QLD 4217, Australia ("Insurade", "we", "us", "our"). Insurade is not registered for GST.

2. Acceptance of these terms

By using the Site, registering, or submitting a form, you agree to these Terms of Use, our Privacy Policy, SMS Terms, Security statement and Disclaimer. If you do not agree, please do not use the Site. We may update these terms by publishing a new version on the Site with a new effective date.

3. Nature of our service

• Insurade provides general, factual information about types of insurance and may refer you to licensed insurers, brokers or advisers.
• Insurade is not an insurer, does not issue, arrange or underwrite insurance, and does not handle claims or premiums.
• Nothing on the Site is personal advice. It does not take into account your objectives, financial situation or needs.
• Any insurance product is provided by the relevant insurer under its own PDS, TMD and terms. You should read those documents before deciding.
• If we refer you to a third party, we will tell you before we pass on your details and whether we receive any referral fee.

4. Using the Site

You must not:

• use the Site for any unlawful, fraudulent or misleading purpose;
• submit someone else's personal information or mobile number without their permission;
• attempt to gain unauthorised access to the Site, its servers or data;
• introduce viruses, malicious code, or automated scraping or bots;
• interfere with the Site's operation or other users' use of it.

5. Registration

You must be 18 or older to register. Information you provide must be accurate and your own. Registration is free, creates no insurance cover, and creates no obligation to buy anything. You can ask us to close your registration and delete your details at any time by emailing info@insurade.org.

6. Communications and SMS

By ticking the relevant boxes you agree to receive the messages described in our SMS Terms. Marketing consent is optional, separate, and can be withdrawn at any time by replying STOP or emailing us. We comply with the Spam Act 2003 (Cth).

7. Intellectual property

All content on the Site, including text, the Insurade name and logo, graphics and layout, is owned by or licensed to Insurade. You may view and print pages for personal, non-commercial use. You must not copy, reproduce or republish Site content without our written permission.

8. Third-party links

The Site may link to third-party websites. We do not control and are not responsible for their content, products or privacy practices.

9. Limitation of liability

Nothing in these terms excludes, restricts or modifies any right or remedy you have under the Australian Consumer Law or other law that cannot be excluded. To the extent permitted by law, we are not liable for any loss arising from your use of, or reliance on, the Site or its information. Where our liability cannot be excluded but can be limited, it is limited to resupplying the service or paying the cost of having it resupplied.

10. Availability

We aim to keep the Site available, but we do not guarantee it will be uninterrupted or error-free. We may change or suspend the Site at any time.

11. Governing law

These terms are governed by the laws of Queensland, Australia. You submit to the non-exclusive jurisdiction of the courts of Queensland.

12. Contact

Insurade · Erik Dempsey · ABN 69 971 493 879 · QLD 4217 · info@insurade.org

Privacy Policy

Effective 7 October 2026

Insurade (Erik Dempsey, ABN 69 971 493 879) respects your privacy. We handle personal information in line with the Australian Privacy Principles (APPs) in the Privacy Act 1988 (Cth), and the Spam Act 2003 (Cth) for electronic messages.

1. What we collect

• Identity and contact details: name, email, mobile number, postcode.
• Enquiry details: the type of insurance you're interested in and messages you send us.
• Consent records: which boxes you ticked, the wording you agreed to, the date and time, and the form used.
• Technical data: browser type, device, pages visited and IP address, collected by our hosting provider for security and performance.

We do not ask for, and you should not send us, sensitive information such as health details, or government identifiers like Tax File Numbers, Medicare or driver's licence numbers.

2. How we collect it

Directly from you when you register, complete the contact form, email us, call us, or reply to our messages. We do not buy contact lists.

3. Why we use it

• to respond to your enquiry and manage your registration;
• to send service messages you have asked for;
• to send marketing by SMS or email, only where you have consented;
• with your permission, to refer you to a licensed insurer, broker or adviser;
• to keep records required to show we comply with the law;
• to protect the Site against misuse and fraud.

4. Who we share it with

We do not sell your personal information. We share it only with:

• Service providers who help us run the business, such as our website host, email provider (Google Workspace) and SMS gateway. They may only use it to provide services to us.
• Licensed providers you ask us to refer you to. We will tell you who before sharing.
• Authorities where required or authorised by law.

5. Overseas disclosure

Some service providers, such as our email and cloud storage providers, may store data on servers outside Australia, including in the United States. We take reasonable steps to ensure they protect your information consistently with the APPs.

6. Direct marketing

We send marketing SMS and email only with your consent. Every marketing message identifies us and includes a way to opt out. You can opt out at any time by replying STOP, using the unsubscribe link, or emailing info@insurade.org. We action requests within 5 business days. See our SMS Terms.

7. Cookies

This Site does not use advertising or tracking cookies. Our host may use essential technical logs for security. If we add analytics in the future, we will update this policy.

8. Storage and security

We store information in secure, access-controlled cloud systems. See our Security page. We keep information only as long as needed for the purposes above or as required by law, then delete or de-identify it.

9. Access and correction

You can ask to access or correct the personal information we hold about you, or ask us to delete it, by emailing info@insurade.org. We'll respond within 30 days. We may need to verify your identity first.

10. Anonymity

You can browse the Site without telling us who you are. To respond to an enquiry, we need a way to contact you.

11. Complaints

If you have a privacy concern, email us first and we'll respond within 30 days. If you're not satisfied, you can contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or 1300 363 992.

12. Changes

We may update this policy and will publish the new version here with a new effective date.

Security

Effective 7 October 2026

How we protect your information

• Encrypted connection: the Site is served over HTTPS, so information you submit is encrypted in transit.
• Minimal data: we collect only what we need. We never ask for passwords, bank details, card numbers or government ID numbers through this Site.
• Access control: our systems are protected by strong passwords and two-factor authentication, and only authorised people can access your details.
• Trusted providers: we use reputable hosting, email and SMS providers with their own security controls.
• Retention: we delete or de-identify information we no longer need.

Protect yourself from scams

Insurade will never:

• ask for your password, PIN, one-time code or full card number by SMS, email or phone;
• send SMS links asking you to "verify" or "unlock" an account;
• ask you to pay money into a personal bank account or by gift card or cryptocurrency;
• claim to be an insurer or say we can issue you a policy.

Our SMS messages always identify Insurade and only link to insurade.org. If you receive a suspicious message that claims to be from us, don't click any links. Forward it to info@insurade.org and report it at scamwatch.gov.au.

Data breaches

If a data breach is likely to result in serious harm, we will notify affected people and, where required, the OAIC under the Notifiable Data Breaches scheme.

Reporting a vulnerability

If you believe you've found a security issue with this Site, please email info@insurade.org. Please don't access other people's data or disrupt the Site while testing.

Disclaimer

Effective 7 October 2026

General information only

Information on insurade.org and in our messages is general information only. It is not financial product advice, legal advice or tax advice, and it does not take into account your objectives, financial situation or needs. Consider whether it is appropriate for you and seek independent professional advice before making a decision.

Not an insurer

Insurade (Erik Dempsey, ABN 69 971 493 879) is not an insurer and does not issue, arrange or underwrite insurance products. Any insurance product is issued by the relevant insurer. Always read the insurer's Product Disclosure Statement (PDS) and Target Market Determination (TMD) before acquiring a product.

No endorsement

Mention of any type of insurance, provider or third-party website does not mean we endorse it or that it is suitable for you. We are not affiliated with any insurer unless we expressly say so.

Accuracy

We try to keep information accurate and current, but insurance products, laws and prices change. We do not guarantee the information is complete, accurate or up to date.

Advertising and SMS

Promotional SMS and emails from Insurade are advertising. They are sent only with your consent and include a way to opt out, as set out in our SMS Terms. Any offer in a message is subject to its stated conditions and to the relevant provider's terms.

Liability

To the extent permitted by law, including the Australian Consumer Law, Insurade is not liable for any loss or damage arising from reliance on information on this Site or in our messages.