Terms of Service

1. Definitions and Interpretation

In these Terms, unless the context otherwise requires:

• “Coverly,” “we,” “us,” and “our” refer to Coverly (ABN 40 818 719 590)
• “Services” means our website at coverly.au, mobile applications, customer service channels, and all related features
• “You” and “your” refer to any person who accesses or uses the Services
• “Content” means all text, images, graphics, logos, data, software, and materials displayed on the Services
• “Australian Consumer Law” or “ACL” means the Australian Consumer Law contained in Schedule 2 of the Competition and Consumer Act 2010 (Cth)
• “Business Day” means a day other than a Saturday, Sunday, or public holiday in New South Wales

2. Eligibility and Account

By using our Services, you represent and warrant that:

• You are at least 18 years of age, or have the consent of a parent or legal guardian
• All information you provide to us is true, accurate, current, and complete
• You will maintain and promptly update your account information to keep it accurate
• You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account
• You will notify us immediately of any unauthorised use of your account

We reserve the right to suspend or terminate your account at any time if we reasonably believe you have breached these Terms or engaged in fraudulent or unlawful conduct.

3. Products and Orders

All products displayed on our site are subject to availability.

3.1 Placing an Order

By placing an order, you make an offer to purchase the products in your cart at the prices and on the terms stated. An order is not accepted and a binding contract is not formed until we dispatch the products and send you a shipping confirmation email. We reserve the right to:

• Decline or cancel any order before dispatch for any reason, including suspected fraud, stock unavailability, or pricing errors
• Limit quantities per customer or per order
• Require additional verification before accepting or processing any order

3.2 Product Descriptions

We take reasonable care to ensure product descriptions, images, specifications, and pricing are accurate. However, we do not warrant that descriptions are error-free, complete, or current. Colour reproduction may vary depending on your display settings. If a product you receive does not match its description, your remedies are set out in section 6 (Returns, Refunds, and Consumer Guarantees).

4. Pricing and Payment

All prices are listed in Australian dollars (AUD) and include GST where applicable.

• Prices are subject to change without notice — however, the price at the time you place your order will apply
• Shipping costs are calculated at checkout and are additional to the product price
• We reserve the right to correct any pricing errors. If a pricing error is discovered, we will notify you and give you the option to proceed at the correct price or cancel your order
• Payment must be received in full before any order is dispatched
• We use PCI-DSS compliant payment processors. Your card details are tokenised and never stored on our servers

5. Shipping and Delivery

We ship to addresses within Australia and to selected international destinations as shown at checkout.

• Shipping timeframes are estimates only, calculated in Business Days, and commence from the date of dispatch (not the date of order)
• Delivery times may vary due to carrier capacity, public holidays, regional or remote locations, customs processing (for international orders), or events outside our reasonable control
• Risk of loss or damage to products passes to you upon delivery to the shipping address you provided
• If a parcel is returned to us because the address was incorrect or delivery could not be completed, we will contact you to arrange re-delivery at your cost
• For international orders, you are responsible for any customs duties, taxes, or import charges levied by the destination country

6. Returns, Refunds, and Consumer Guarantees

6.1 Your Rights under the ACL

Under the Australian Consumer Law, products we supply come with guarantees that cannot be excluded. You are entitled to a replacement or refund for a major failure and compensation for any other reasonably foreseeable loss or damage. You are also entitled to have products repaired or replaced if they fail to be of acceptable quality and the failure does not amount to a major failure.

6.2 Faulty or Incorrect Products

If a product you receive is faulty, damaged, or not what you ordered, please contact us within a reasonable time. We will arrange a return at our cost and offer you a repair, replacement, or refund in accordance with your rights under the ACL.

6.3 Change of Mind Returns

We may, at our discretion, accept change-of-mind returns within 30 days of delivery where the product is unused, in its original packaging, and in resaleable condition. Return shipping is at your cost, and refunds will be for the product price only (excluding original shipping costs). This policy is in addition to, and does not limit, your statutory rights.

7. Intellectual Property

All Content on the Services — including text, graphics, logos, icons, images, photographs, audio and video clips, software, and data compilations — is owned by or licensed to Coverly and is protected by Australian and international copyright, trademark, and other intellectual property laws.

You may view and temporarily store Content for personal, non-commercial use only. You must not (and must not attempt to):

• Reproduce, distribute, modify, create derivative works from, or publicly display any Content without our prior written consent
• Use any data mining, robots, or similar extraction methods on the Services
• Frame or mirror any part of the Services without our permission
• Use our trademarks, logos, or branding without our express written authorisation

8. User-Generated Content

If you submit, post, or upload content to our Services — including product reviews, comments, photos, or feedback (together, User Content) — you:

• Grant us a non-exclusive, royalty-free, perpetual, irrevocable, worldwide licence to use, reproduce, modify, adapt, publish, and display that User Content in connection with our Services
• Warrant that you own or have all necessary rights to the User Content and that it does not infringe the rights of any third party
• Agree that your User Content will not be unlawful, defamatory, misleading, or otherwise objectionable

We reserve the right to remove or refuse to publish any User Content at our sole discretion without notice.

9. Acceptable Use and Prohibited Conduct

You agree not to use the Services:

• For any unlawful purpose or in violation of any applicable law or regulation
• To transmit spam, malware, viruses, or any harmful code
• To impersonate any person or entity, or misrepresent your affiliation with any person or entity
• To engage in any activity that interferes with or disrupts the Services or their underlying infrastructure
• To collect, harvest, or scrape personal information about other users
• To engage in any fraudulent, deceptive, or misleading conduct
• To infringe the intellectual property or other rights of any person
• To bypass or attempt to bypass any security or access controls we have implemented

10. Third-Party Links and Services

Our Services may contain links to third-party websites, plugins, or services that are not owned or controlled by Coverly. We are not responsible for the content, privacy practices, or terms of any third-party sites. You access them at your own risk and should review their own terms and policies before engaging with them.

11. Disclaimer and Exclusion of Implied Terms

The Services are provided on an “as is” and “as available” basis. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that the Services will be uninterrupted, error-free, secure, or free from viruses or other harmful components. We are not liable for any delay, interruption, or failure in the Services caused by events outside our reasonable control.

12. Limitation of Liability

To the fullest extent permitted by law, and subject to the ACL:

• Coverly will not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, revenue, data, or goodwill, arising from or relating to these Terms or your use of the Services
• Our total aggregate liability to you for any claim arising out of or relating to these Terms or the Services is limited to the lesser of: (a) the amount you paid us for the products giving rise to the claim in the 12 months preceding the event; or (b) AUD $1,000

13. Indemnity

You agree to indemnify and hold harmless Coverly and its directors, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from: (a) your breach of these Terms; (b) your User Content; (c) your use of the Services in violation of any applicable law; or (d) your infringement of any third-party rights.

14. Suspension and Termination

We may suspend or terminate your access to the Services at any time, with or without notice, for any conduct that we reasonably believe violates these Terms or is harmful to us, our users, or third parties.

On termination: (a) your right to use the Services will immediately cease; (b) any provisions of these Terms that by their nature should survive termination will continue in effect, including sections on intellectual property, limitation of liability, indemnity, and governing law.

15. Force Majeure

We will not be liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from any cause beyond our reasonable control, including but not limited to: natural disasters, acts of God, pandemic or epidemic, war, terrorism, civil unrest, governmental action, labour disputes, failure of utility services, transportation disruptions, or cyber-attacks.

16. Privacy

Our collection and handling of your personal information is governed by our Privacy Policy, which forms part of these Terms. By using our Services, you consent to the collection, use, and disclosure of your personal information as described in the Privacy Policy.

17. Dispute Resolution

In the event of a dispute relating to these Terms or the Services:

1. The complaining party must notify the other party in writing, setting out the nature of the dispute and the outcome sought
2. The parties will attempt to resolve the dispute in good faith through negotiation within 21 days of the notice
3. If the dispute is not resolved by negotiation, either party may refer the matter to mediation administered by the Australian Disputes Centre (ADC) or another agreed mediator in Sydney, New South Wales
4. If the dispute remains unresolved after mediation, either party may commence legal proceedings in accordance with section 18

Nothing in this section prevents a party from seeking urgent injunctive or declaratory relief from a court of competent jurisdiction.

18. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of New South Wales, Australia. You irrevocably submit to the non-exclusive jurisdiction of the courts of New South Wales and any courts that may hear appeals from those courts. The United Nations Convention on Contracts for the International Sale of Goods (CISG) does not apply.

19. Changes to These Terms

We may modify these Terms at any time by posting the revised version on this page and updating the “Last updated” date. Material changes will be communicated by email or a prominent notice on our website. Your continued use of the Services after changes take effect constitutes your acceptance of the revised Terms. If you do not agree to the changes, you must stop using the Services and may close your account.

20. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision will be severed and the remaining provisions will continue in full force and effect. Where a provision is severed, the parties will negotiate in good faith to replace it with a valid provision that most closely reflects the original intent.

21. Entire Agreement

These Terms, together with our Privacy Policy and any other policies expressly incorporated by reference, constitute the entire agreement between you and Coverly concerning the subject matter and supersede all prior or contemporaneous understandings, representations, or agreements (whether written or oral).

22. Contact Information

For questions about these Terms, or to notify us of a dispute, please contact: