Terms Of Use

Last updated: 10/04/2025
Company: Lozium Leads (ABN 55 223 924 313) trading as MapleCover. (“MapleCover”, “we”, “us”)

1) What we do

MapleCover operates websites, forms and pages (the “Services”) that help Australians start their life-cover journey and request to be introduced to third-party providers (insurers, advisers, brokerages) (collectively, “Partners”). We are not an insurer, broker or financial adviser and we do not provide personal financial advice, underwrite, issue or arrange cover.

2) Accepting these Terms

By using the Services, you agree to these Terms and our Privacy Policy. If you do not agree, please do not use the Services. You confirm you are 18+ and using the Services in Australia.

3) Changes

We may update these Terms at any time by posting the new date above. Continued use means you accept the changes.

4) Your responsibilities

You agree to (a) provide accurate information; (b) use the Services lawfully; (c) not interfere with or scrape the Services; (d) not post unlawful or infringing content.

5) Information only (no advice)

All content is general information only. It does not consider your objectives, financial situation or needs. Product features, eligibility and pricing are set solely by Partners under their own licences (e.g., AFSL/ACL). Seek independent advice before making decisions.

6) Requests, introductions & communications

Submitting a form authorises us to share your details with one or more Partners so they can contact you about options. We do not guarantee quotes, approval, or any outcome. You may receive calls, SMS/MMS and emails from us and/or Partners. You can opt out at any time (see Privacy Policy). We may receive a referral fee if you proceed with a Partner.

7) Accounts & submissions

If you create an account, keep your credentials secure. You grant us a non-exclusive, royalty-free licence to use content you submit only to operate and improve the Services.

8) Intellectual property

The Services (text, graphics, logos, software) are owned by MapleCover or our licensors and protected by law. You receive a limited, revocable, non-transferable licence to use the Services for personal, non-commercial purposes. Our trademarks must not be used without consent.

9) Third-party sites & Partners

We don’t control third-party sites or Partner practices and aren’t responsible for their content, products or policies. Your dealings with Partners are solely between you and them.

10) Availability & accuracy

We try to keep the Services available and current, but we do not warrant uninterrupted access or error-free content.

11) Liability (Australian Consumer Law preserved)

Nothing in these Terms excludes, restricts or modifies any Consumer Guarantees under the Australian Consumer Law that cannot be excluded. Subject to those non-excludable rights:

the Services are provided “as is”;

we exclude all warranties to the extent permitted by law and are not liable for indirect or consequential loss, loss of profit or data; and

our total aggregate liability arising out of or in connection with the Services is limited to the greater of AUD $100 or the amount you paid to us for the relevant Services (if any).

12) Indemnity

You indemnify us against losses arising from your misuse of the Services or breach of these Terms.

13) Suspension/termination

We may suspend or terminate access at any time. You may stop using the Services at any time.

14) Governing law & venue

These Terms are governed by the laws of New South Wales, Australia, and the courts of NSW have exclusive jurisdiction.

15) Contact

Lozium Leads (ABN 55 223 924 313) trading as MapleCover.
Email: [email protected]