Terms and Conditions
Konkrd Terms and Conditions
These Terms and Conditions (“Terms”) apply to your access and use of the Konkrd website, mobile site, and mobile application (collectively “Platform”). By using the Platform, you agree to be bound by these Terms. If you do not agree, please stop using the Platform immediately.
Important: These Terms apply to Australian residents aged 18 or over. By continuing, you confirm that you meet these criteria.
1. Introduction
1.1 Operator Information
The Platform is owned and operated by Konkrd Pty Ltd (ABN [placeholder]) (“Konkrd”, “we”, “us”, “our”). Our registered office is at [address placeholder], Victoria, Australia.
1.2 Regular Updates
We may amend these Terms at any time. The latest version will be posted on our website and/or within our mobile app. Your continued use of the Platform implies your acceptance of any changes.
1.3 Agentic AI Agent Policy
Any advice, recommendations, or suggestions provided via our AI agents are governed by our Agentic AI Agent Policy. Please review that policy to understand how our AI makes recommendations and how we maintain user autonomy.
1.4 Capacity and Assistance Model
Konkrd provides assistance through both human agents and AI-powered tools to help you compare, evaluate, or select solutions that may suit your needs. Our agents and digital tools may guide you based on the information you provide, but we do not provide personal financial advice unless explicitly stated.
2. Privacy and Data Protection
2.1 Privacy Policy
Your use of the Platform is subject to our Privacy Policy, which explains how we collect, use, and protect your personal information. Please read it carefully.
2.2 Cookies and Tracking
We may use cookies, pixels, or similar technologies to enhance your experience on our site or app. By continuing to use the Platform, you consent to our use of these technologies, unless you disable them in your device or browser settings.
3. Third-Party Products and Services
3.1 Product Offerings
Konkrd provides comparison and referral services for third-party products (e.g. insurance). These products are owned or operated by independent providers over whom we have no direct control.
3.2 No Endorsement
Listing a product or provider on our Platform doesn’t mean we endorse or recommend it. Always review the product’s own documents (e.g. Policy Disclosure Statements) and relevant terms before making a purchase decision.
3.3 Contract Formation
When you submit information or make a purchase through our Platform, you are essentially making an offer to the relevant third-party provider. Acceptance (and thus formation of a contract) happens only when the provider confirms acceptance of your application.
3.4 Exclusions
We are not responsible for any loss or damage arising from your purchase or use of third-party products, including errors or omissions by the provider. Your relationship with the product provider is governed by their own terms and policies.
4. Konkrd Services and How We’re Paid
4.1 Comparison Services
Konkrd’s primary service is to help you research and compare various products, such as insurance policies. We do not compare every product in the market, and availability may change over time.
4.2 AI-Driven Advice
Our Agentic AI may provide product recommendations based on your stated needs. This advice is general in nature, does not take your personal circumstances into account, and is provided in line with our Agentic AI Agent Policy. For personalised advice tailored to your specific situation, consider seeking independent professional advice.
4.3 Fees and Commissions
Our comparison service is free for you. We may receive referral fees or commissions from the providers if you purchase a product through us. This compensation does not affect the AI agent’s recommendations or the human advisor’s recommendations, which remain based on your needs.
4.4 Code of Conduct and Informed Choice
Konkrd supports and adheres to the Private Health Insurance Code of Conduct, which promotes informed decision-making, transparent communication, and ethical business practices in the health insurance sector. As part of this commitment, we aim to ensure that all product information we present is clear, balanced, and complete, so you can make an informed choice.
We will inform you of any documentation or personal information required by your chosen insurer, and assist where appropriate to support compliance with those requirements.
You can learn more about the Code and your rights as a customer by visiting:
https://phiia.com.au/resources-media
5. Permitted Use of the Platform
5.1 Personal Use Only
You may only use the Platform for personal, non-commercial reasons (e.g. researching or purchasing a product). Any other usage is strictly prohibited.
5.2 Prohibited Actions
You agree you will not:
- Use automated tools (bots, spiders, scraping) to extract information.
- Disseminate or publish any malicious code or spam.
- Bypass or attempt to bypass security measures.
- Post or transmit misleading or false information.
- Engage in any unlawful or fraudulent activity.
5.3 Accuracy of Information
All details you provide (including personal data and product requirements) must be true, accurate, and up to date. You are responsible for updating your information promptly if changes occur.
6. Account Registration and Security
6.1 Creating an Account
Some features require you to register an account (“Login Details”). You are responsible for safeguarding these credentials.
6.2 User Responsibilities
- You alone are responsible for actions taken under your Login Details.
- Keep your password private. If you suspect your account is compromised, change your password immediately and notify us.
- We reserve the right to suspend or close your account if we detect unauthorised use or breaches of these Terms.
7. Disclaimers and No Personal Advice
7.1 General Information Only
Information on the Platform (including AI-driven advice) is provided “as is” and for general comparison or research purposes. It is not financial, legal, or other professional advice.
7.2 AI Recommendations
Our AI aims to match products to your stated needs; however, your circumstances may require additional scrutiny. We disclaim any liability for decisions made solely on AI outputs.
7.3 No Warranty
We do not warrant the accuracy, reliability, completeness, or suitability of the Platform’s content. You access and use the Platform at your own risk.
8. Intellectual Property
8.1 Ownership
All intellectual property rights (including text, images, logos, and trademarks) on the Platform are owned or licensed by Konkrd, unless otherwise stated.
8.2 User Licence
We grant you a non-exclusive, revocable licence to access and use the Platform for personal use, subject to these Terms. You may not modify, copy, reproduce, or distribute Platform content without our prior written permission.
9. Liability and Indemnity
9.1 Limitation of Liability
To the extent permitted by law, Konkrd, its directors, employees, or agents will not be liable for any indirect, special, consequential, or incidental damages resulting from your use of the Platform or reliance on any information provided (including AI-driven recommendations).
9.2 Your Responsibility
You agree to indemnify and hold harmless Konkrd and its affiliates from any claim or demand arising out of your breach of these Terms, misuse of the Platform, or violation of any rights of a third party.
9.3 Consumer Guarantees
We do not exclude liability for any liability that cannot be lawfully excluded, such as under the Australian Consumer Law.
10. Service Availability and Termination
10.1 No Guarantee
We strive to keep the Platform operational but do not guarantee uninterrupted or error-free service. We reserve the right to modify, suspend or discontinue the Platform (or any part of it) without notice.
10.2 Termination
We may terminate or suspend your access to the Platform at any time if you breach these Terms. Upon termination, your right to use the Platform immediately ceases.
11. Links to Third-Party Sites
The Platform may contain links to external websites or resources operated by third parties. Such links are provided for convenience only. We are not responsible for the content or privacy practices of external sites and disclaim liability for any loss or damage you incur through use of these sites.
12. Complaints and Disputes
13. General Provisions
13.1 Severability
If any part of these Terms is deemed invalid or unenforceable, the remainder will still apply.
13.2 No Waiver
If we fail to enforce any right under these Terms, it does not mean we waive that right.
13.3 Entire Agreement
These Terms, together with our Privacy Policy and AI Agent Policy, form the entire agreement between you and Konkrd regarding your use of the Platform.
13.4 Governing Law
These Terms are governed by the laws of Victoria, Australia. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Victoria, Australia.
14. Contact Us
If you have any questions or feedback about these Terms, or wish to request more information:
Konkrd Pty Ltd
7/14 Concord Crescent
Carrum Downs/VIC/3201
Email: [email protected]
Phone: Coming Soon
Effective Date: June, 2025
By continuing to use the Konkrd Platform, you confirm that you have read, understood, and agree to these Terms. Thank you for choosing Konkrd.