Welcome to NEOS.

The www.neosgroup.com website and all webpages located on this domain name (“this website”) are owned and operated by NEOS Life, a registered business of Australian Life Development Pty. Ltd. ABN 96 617 129 914 AFSL 502759.

“We”, “us”, “our” refers to each of the following companies (as applicable in context):

  • NEOS Life, a registered business name of Australian Life Development Pty Ltd ABN 96 617 129 914 AFSL 502759
  • NEOS Direct,  a registered business name of NDLI Pty Limited ABN 70 665 747 277 AFSL 547119

“You” or “your” refers to the person visiting our website.

By using or accessing this website you agree to be subject to these terms of use and our privacy policy. These terms of use may be modified at any time by us and the current version of our terms of use will apply each time you access and use this website.

Limitation of liability

The information on this website is provided “as is” and without warranties of any kind (either express or implied). We do not, nor does any director, employee, contractor or agent of NEOS, give any guarantee or warranty as to the reliability, currency, accuracy or completeness of the information and materials on this website. Additionally, we don’t accept any responsibility or liability arising in any way (including by reason of negligence or under the law of contract) for errors in, or omissions from, the information and material on the website, the results obtained from the use of it (including any material or information downloaded from the website) or for any loss or damage arising or sustained from using this website or the information provided within it. Information and materials on this website are subject to change without notice.

General advice

This website provides general information only and the information has been prepared without taking into consideration your personal objectives, financial situation or needs. Because of this, you should carefully consider whether this information is appropriate for you before acting on it.

If necessary, you should seek professional financial advice and read the relevant Product Disclosure Statement and Target Market Determination (TMD) before making any decision about a life insurance product.

Links to and from other websites

This website may from time to time, for your convenience, contain links to other websites which are not maintained by us. Unless otherwise stated, we don’t accept any liability whatsoever for information or material located on a third-party page, or any site of which it forms a part. You acknowledge and agree that you access such websites, and third-party information and material, at your own risk.

You’re not authorised to establish a link to this website, or use the NEOS logo, without prior written permission from us.

Handling of data

We may collect information through technology in order to enhance our ability to serve you and to improve our products and services. Personal information or data collected by us through this website, including information such as your IP address which is associated with the portal you use to log onto the internet and access our website, will be treated in accordance with our privacy policy.

Access for Australian residents within Australia only

This website is only for the use of people accessing it from within Australia. The products and services described in this website are available for Australian citizens and people who reside in Australia.

Intellectual property

Copyright of website information and material is owned by us. No information or material from this website may be reproduced, adapted, linked to, stored in a retrieval system, used for creating derivative works, uploaded to a third party, posted, displayed, transmitted (by any form or any means), distributed or used in any other way for public or commercial purposes unless you obtain our prior written permission. You may download information or material from this website solely for your own use, provided that you don’t modify or delete any copyright, trademark or other proprietary notice that appears on the information or material you access, copy, download or print.

Website access

We’ll make every effort to provide access to this website on a 24-hour basis. However, should there be an interruption to this website’s operation, whether by maintenance or for any other reasons, we’ll not be liable for interruptions to the service for any reason.

Online security

Here are some of the simple things you can do to help keep your computer and personal information secure:

  • Use strong passwords, don’t share them and update them regularly.
  • Take care when logged in, especially in public places and when using public Wi-Fi networks.
  • Make sure you log out of websites when you’re finished.
  • Install reputable security software that includes antivirus and antitheft/loss protection and keep this up to date.
  • Keep your application software and operating system up to date.
  • Only install applications from official stores.
  • Think before you click and don’t open links or attachments unless you’re expecting them and you trust the source.

You can find more information about staying safe online at the Australian Government’s Stay Smart Online website.