Our complaints process
If something hasn’t met your expectations — whether it’s our products, procedures, or customer service — we want to hear about it.
When you raise a concern, our goal is to deal with it quickly, fairly, and consistently, while remaining sensitive to each customer’s individual needs and circumstances. Your feedback helps us put things right and also understand what went wrong, so we can improve and avoid similar issues in the future
A complaint is an expression of dissatisfaction made to or about an organisation, related to its products, services, staff or the handling of a complaint, where a response or resolution is explicitly or implicitly expected or legally required.
How to make a complaint
Contact us
Our complaints handling structure
Likewize Services maintains a two-tiered internal dispute resolution (IDR) framework in accordance with ASIC requirements.
Upon receipt of a complaint, the matter is assigned to an IDR representative (Tier 1) who is responsible for investigating and providing a response. In most cases a response will be provided within 15 business days.
If you are dissatisfied with the Tier 1 response, you may request an escalation of the complaint for further review by a separate IDR representative at Tier 2, who was not involved in the original decision.
When you make a Complaint
Once you have raised a complaint
We will
- acknowledge your complaint within 24 hours (or one business day) from receiving it, or as soon as practical.
- we will tell you the name and relevant contact details of the person assigned to your complaint.
- make sure we understand and investigate the cause of your complaint.
- respond to you as quickly as possible.
- In some circumstances and where we have all the relevant information we will respond to your complaint within 5 business days.
- keep you informed of our progress at least every 10 business days if we can’t resolve your complaint straight away.
- keep a record of your complaint; and
- provide an outcome within a maximum of 30 calendar days. This is triggered when your expression of dissatisfaction meets the definition of ‘complaint’.
We May
- ask you to provide relevant information to assist us with the investigation of your complaint.
If we are not able to provide a response within 30 calendar days
We will
- inform you of the reason for the delay;
- advise you of your right to complain to the Australian Financial Complaints Authority (AFCA); and
- provide you with AFCA’s contact details.
Australian Financial Complaints Authority (AFCA)
If you’re not satisfied with the outcome or handling of your complaint or if we have not been able to provide you an outcome within 30 calendar days you can lodge a complaint with the Australian Financial Complaints Authority (AFCA). Australian Financial Complaints Authority (AFCA) is an external dispute resolution scheme, which is independent and free to you, subject to relevant terms and rules.
AFCA’s contact details are:
Website: www.afca.org.au
Email: info@afca.org.au
Telephone: 1800 931 678 (free call)
In writing: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
You can also find more information at afca.org.au
Privacy Policy - Likewize Services Pty Ltd
It is important to us that you are confident that any personal information you provide to us is treated with the appropriate degree of privacy.
We are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and its Australian Privacy Principles (APPs), which set out standards for the collection, use, disclosure and handling of personal information. It also deals with how you can complain about a breach of the privacy laws and how you can access the personal information we hold and how to have that information corrected.
What is personal information?
Any information or an opinion about you, which can identify you or your identity, can reasonably be ascertained from the information or opinion (e.g. a name and address).
What personal information do we collect and why?
We collect personal information to be able to provide you with our various services. These services include insurance brokerage, claims management, risk management and other forms of insurance services.
Depending on the service we are supplying to you, the personal information we may collect can include:
- your name, address etc
- your contact details, age etc
- information about your personal affairs including your assets, personal belongings
- your claims history, financial situation
If you contact us via our website, we may collect information such as your IP address and approximate geolocation.
When you make a claim under your policy, we assist you by collecting information about your claim. Sometimes we also need to collect information about you from others. We provide this information to your insurer (or anyone your insurer has appointed to assist it to consider your claim). This information may be passed on to reinsurers.
By collecting your personal information, we can
- set up and administer products and services and supply these to meet your requirements
- assess claims made by you under our products
- improve our products and services
- protect you from unauthorised access to your personal information, accounts and services
Marketing
From time to time, we may use your personal information to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We always give you the option of electing not to receive these communications in the future. You can unsubscribe by notifying us and we will no longer send this information to you.
To do this, you can call our Customer Care team on 1800 371 713 or send an email to mobileclaims@likewize.com.
At any time you can change your mind about receiving marketing information and contact us as above.
How do we collect the personal information and your Consent?
We collect personal information either directly from the relevant individuals or indirectly from third parties.
We collect the personal information in person, in writing, email, website and by telephone. Wherever practicable, we will ask you for the information. However, we may need to contact others such as past insurers, witnesses to claims and publicly available sources such as sanctions screening resources.
By asking us to assist with your insurance needs, you consent to the collection and use of the information provided to us for the purposes described above.
Who will see or have access to your personal information?
We do not use or disclose personal information for any purpose that is unrelated to our services and that you would not reasonably expect (except with your consent). We do not sell, trade, or rent your personal information to others.
Will we disclose the information we collect to anyone?
Unless we are required to provide your personal information to others by law, by court order or to investigate suspected fraud or other unlawful activity, your information will only be seen or used by people working for us, and third parties who assist us or are involved in the provision of our services. These people include insurers, reinsurers, other insurance intermediaries, and others involved in the claim handling process. Some of these people may be located in countries outside of Australia.
We may also need to provide your information to contractors who supply services to us, e.g. to handle mailings on our behalf, external data storage providers or to other companies in the event of a corporate sale, merger, re-organisation, dissolution or similar event. However, we will take reasonable measures to ensure that they protect your information as required under the Privacy Act 1988 (Cth).
How we hold and protect the personal information?
We endeavour to protect any personal information that we hold from misuse and loss, and to protect it from unauthorized access, modification and disclosure, employing methods including:
- physically securing premises
- maintaining computer security with identifiers, passwords, firewalls etc.
- restricting access to your personal information to those authorised on a ‘need to know’ basis
- confidentiality agreements with employees and third parties
- appropriate staff training
- retaining personal information for no longer than is required
- taking steps to destroy or de-identify personal information we no longer require
In some cases, your file is archived and sent to an external data storage provider for a period of time. We only use storage providers located in Australia who are also regulated by the Privacy Act 1988 (Cth).
Unsolicited personal information
If we receive unsolicited information that we would not normally have been entitled or able to receive, we shall destroy the information unless it is unlawful to do so.
What we expect of you and third parties we deal with
If you provide us with personal information you have collected from other individuals, we require you to warrant to us that the information has been collected in accordance with the applicable privacy legislation and that we are authorised to receive that information from you and to use it for the purposes of providing our services to you. If it is sensitive information we rely on you to have obtained their consent to the above.
If you have not done either of these things, you must tell us before you provide the relevant information.
If we give your personal information, you and your representatives must only use it for the purposes we agreed to.
Where relevant, you must meet the requirements of the Australian Privacy Principles set out in the Privacy Act 1988 (Cth), when collecting, using, disclosing and handling personal information on our behalf.
You must also ensure that your agents, employees and contractors meet the above requirements.
When do we disclose your information overseas?
If you ask us to seek insurance terms and we recommend an overseas insurer, we may be required to disclose the information to an insurer located outside Australia.
We will tell you at time of advising on your insurance if they are overseas and in which country the insurer is located. If the insurer is not regulated by laws that protect your information in a way that is similar to the Privacy Act 1988 (Cth), we will seek your consent before disclosing your information to that insurer.
Your Personal Information may also be disclosed to some of our service providers who are located overseas. Who they are may change from time to time and we may need to disclose Personal Information to other countries not listed. At the date of this document our overseas providers are located in the Philippines and India. You can contact us for a detailed listing. We aim to protect your Personal Information by taking reasonable steps to ensure that the overseas service provider has similar protections in relation to privacy or that we enter into contractual arrangements with the recipient that safeguards and ensures compliance with Australian privacy law and this Privacy Policy.
Access to your personal information
Subject to any legal restrictions, we would be happy to advise you what personal information we hold about you if you request this. There may be some cost to you in providing this information if your request is complex or requires detailed searching of our records.
If you believe there are errors in our records about you, please let us know and we will be happy to investigate and correct any inaccuracies. Please call 1800 371 713.
If you would like further information on our privacy policy or if you have concerns about whether we have complied with the Privacy Act 1988 (Cth) or this privacy Policy when collecting or handling your personal information, please write to our Privacy Officer, they can be contacted at privacy@likewize.com.
If you are unhappy with the way we have responded to your concerns, you may contact The Office of the Australian Information Commissioner
Telephone: 1300 363 992
Mail: GPO Box 5218,
Sydney NSW, 1042
Email: enquires@oaic.gov.au
This privacy policy was on 17 March 2026.
This is a summary of the main topics that may be of interest to you. The entire Australian Privacy Principles (APP) can be found at the Australian Government’s privacy website (www.oaic.gov.au).
Supporting our Customers
There may be times when our customers face challenging situations that make them feel vulnerable, especially during insurance claim related events.
We understand that everyone’s circumstances are different, which is why we provide extra care options to offer tailored support when it’s needed most.
We are committed to being sensitive, caring and professional to all our customers and to provide an environment of confidence and trust where customers can feel safe to ask for our help, especially those experiencing vulnerability.
We have established policies, processes, and staff training to help support customers experiencing vulnerability, which can result from a variety of circumstances, including
- Age
- Health
- Physical disability
- Life events
- Financial circumstances
- Language and Communication issues
- Remote location
- Cultural background
- Technological restrictions
We encourage you, or your representative, to tell us if you need any additional support.
Financial Assistance
We recognise that Financial Assistance is a deeply personal issue that can affect people in different and complex ways.
If you are experiencing financial hardship and require financial assistance, please talk to us to discuss how we can support you.
We will
- Listen to your individual needs
- Be sensitive, caring and professional
- minimise the number of times that sensitive information needs to be disclosed
We May
- Ask you to provide information to support your request for financial assistance
- Provide details of support services available.
Accessibility
We recognise that some people may need extra support when communicating.
- For individuals who are deaf, hard of hearing, or have a speech/communication difficulty please contact us through your preferred NRS call channels detailed on the National Relay Service website.
- If you speak a language other than English and need assistance, please let our staff know and they will do their best to help you. If you need an interpreter, you’re welcome to have someone you trust interpret for you. During your call, just confirm with us who we’re speaking with and that they will be interpreting for you.
- If you don’t have someone who can interpret for you, you can contact The Translation and Interpreting Service (TIS National): www.tisnational.gov.au or Call 131 450 The majority of TIS National interpreting services are free to non-English speakers.
- If you require this webpage or sections of text this webpage to display in a language other than English you can use the free Google Translate tool Google Translate for support.
Click on the Green “X” should you need to quickly exit from this website. You will immediately be taken to a weather website instead, but it will not change your browsing history.
Please call 000 If you are in immediate danger
Supporting you if you are affected by Domestic or Family Violence
We believe everyone deserves to be safe. Likewize Services Pty Ltd are committed in assisting customers experiencing, or who have been impacted by domestic or family violence. Our experienced staff can assist with a range of options.
Likewize Services Pty Ltd defines domestic and family violence as abusive behaviour intended to cause fear, physical harm and/or psychological harm.
Please call 000 If you are in immediate danger
Our commitment
We understand that domestic and family violence is a deeply personal issue that can affect people in different and complex ways.
Every person affected by domestic or family violence experiences unique situations that require an individual approach to assistance.
We are committed to listening to your individual needs and providing assistance and support to our upmost extent.
We are committed to being sensitive, caring and professional to all our customers and to provide an environment of confidence and trust where you can feel safe to ask for our help.
How we can help
Your Privacy
We understand that it is important to protect your privacy in these times to ensure your safety and wellbeing. Further to our Privacy Policy we can further assist you by
- Adding further ID verification checks that only you would know or creating a secret word or code in addition to our usual ID verification checks.
- Changing your contact details to that of a friend or family member.
- Referring you to specialised telco services that can help you to update your details.
Financial Assistance
If you are experiencing financial hardship and require financial assistance due to
- Illness
- Unemployment or reduced income
- Death in the family
- Unexpected expenses
- Natural disasters
Talk to one of our friendly Case Management Team on 1800 371 713 to discuss how we can assist you. You may be required to provide evidence of your financial hardship. If you require someone to act on your behalf we will need permission to talk to them.
Your Claims Experience
We will, where possible, exercise flexibility with your claims experience to ensure minimal disruption and to provide an outcome that is best suited to your situation. If you have a claim with us or require assistance in making a claim please call our Claims Team on 1800 371 713. Claims can also be lodged online.
Further Support Services
Please call 000 If you are in immediate danger.
Assistance is also available from organisations that specialise in providing support services for domestic or family violence issues.
1800respect
The National Sexual Assault Domestic Violence Counselling Service, offers confidential online and telephone counselling, information and referral services.
Visit 1800RESPECT or you can call 1800 737 732 24 hours 7 days a week.
White ribbon Australia
White Ribbon is a domestic violence primary prevention campaign – specifically, working to change the attitudes and behaviours that lead to violence against women.
Visit White Ribbon for information on their services and help to locate local and national services.
Lifeline
Lifeline provides Australians experiencing a personal crisis with 24 hour crisis support and suicide prevention services, call 13 11 14 or visit Lifeline
Mensline
MensLine Australia is a telephone and online counselling service for men with emotional health and relationship concerns, call 1300 78 99 78 or visit Mensline
Relationships Australia
Provides support groups and counselling on relationships, and for abusive and abused partners. To be connected to the nearest Relationships Australia, call 1300 364 277 or visit Relationships Australia
Moneysmart
Provides information on financial counselling services available to you. Visit moneysmart.gov.au
To download a copy of our Domestic and Family Violence policy please click here.
Terms of Use
Last updated: 5 May 2026
1. Introduction
These Terms of Use govern your access to and use of certain online and digital interfaces made available in connection with the Bupa Phone and Cyber Insurance program, to the extent those interfaces are operated by Likewize Services Pty Ltd (ABN 23 090 918 399, AFSL 230163) (Likewize Services).
In these Terms of Use, Digital Interfaces means the online and digital interfaces referred to in these Terms of Use, including those operated by Likewize Services and made available as part of the Bupa Phone and Cyber Insurance program. Digital Interfaces are not uniform and are not all operated, licensed, controlled or provided by Likewize Services.
Likewize Services operates the Digital Interfaces in its capacity as an authorised service provider and authorised representative of the insurer for limited purposes only. Likewize Services does not act as your agent or representative and does not assume any advisory or fiduciary role in connection with your use of the Digital Interfaces.
Likewize Services has no role in the operation, provision or management of any third party cyber interfaces. References to third party cyber interfaces are included solely to explain the availability of links or access points through Digital Interfaces operated by Likewize Services and the allocation of responsibility between Likewize Services and third parties.
Accordingly, these Terms of Use do not apply to any online or digital interfaces that are not operated by Likewize Services. Where a Digital Interface is not operated by Likewize Services, that fact is identified in these Terms of Use.
By accessing or using any Digital Interface operated by Likewize Services, you agree to be bound by these Terms of Use only to the extent they apply to that Digital Interface. If you do not agree, you must not access or continue to use the relevant Digital Interface.
2. Digital Interfaces covered by these Terms of Use
The Digital Interfaces referred to in these Terms of Use include an online application flow made available via a webpage that is accessed from, or linked to, Bupa’s website and that allows you to apply for and enrol into the Bupa Phone and Cyber Insurance program (the Online Application).
The Digital Interfaces also include an online user account interface made available after a policy has been issued that allows users to view and manage certain administrative aspects of a policy (the Customer Portal).
In addition, the Digital Interfaces include a digital interface used for lodging and managing claims relating to mobile phone cover (the Phone Claims Dashboard).
The Customer Portal may also display links to, or provide access points for, other services that are part of the broader user experience but are not operated by Likewize Services. These include third party cyber interfaces, such as cyber portals and cyber claims dashboards operated by BOXX Insurance Inc (BOXX). Those interfaces are operated by BOXX or other parties engaged by BOXX, not by Likewize Services.
Unless expressly stated otherwise, references in these Terms of Use to Digital Interfaces, including references to functionality, availability, responsibility or liability, apply only to Digital Interfaces operated by Likewize Services.
3. How these Terms of Use apply
These Terms of Use apply on a modular basis depending on how you interact with the Digital Interfaces. If you only access or use the Online Application and do not enter into an insurance contract, only the provisions relevant to the Online Application apply. Once a policy has been issued, the provisions relevant to the Customer Portal and the Phone Claims Dashboard also apply.
Access to and use of third party cyber interfaces is not governed by these Terms of Use, other than to explain how links or access points to those interfaces may be made available. All third party cyber interfaces are subject to separate terms, conditions and privacy practices imposed by BOXX.
These Terms of Use do not form part of any insurance contract and do not replace, amend or override the Product Disclosure Statement (PDS), Target Market Determination (TMD), Financial Services Guide (FSG), Certificate of Insurance or any other insurance documentation. If there is any inconsistency, the insurance documentation prevails.
You acknowledge that information presented through the Digital Interfaces may reference, summarise or explain matters contained in the PDS, TMD or FSG for convenience only. Those documents remain the authoritative source and must be read in full before making decisions relating to insurance.
4. No insurance advice or insurance terms
Information made available through Digital Interfaces operated by Likewize Services is general information only. Those Digital Interfaces do not provide personal financial product advice, do not assess the suitability of insurance for you, and do not create, vary or confirm insurance cover or entitlement to any benefit.
Insurance cover is only created, varied or cancelled in accordance with the insurance documentation issued by, or on behalf of, the insurer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507), under applicable authority and applicable law.
Any references through the Digital Interfaces to potential benefits, offers, discounts or features, including those associated with Bupa membership, are provided for general information only, may be subject to eligibility criteria or verification, and do not constitute advice, a representation that such benefits will apply, or a commitment that they will be available.
You are responsible for considering whether the insurance product meets your needs, and whether any associated benefits are relevant to you, having regard to the PDS, TMD and FSG. Nothing in this clause is intended to exclude, restrict or limit any right or remedy you may have under the Australian Consumer Law or other applicable legislation, and you may obtain independent advice if you wish to do so.
5. Online Application
The Online Application allows you to select a plan, provide personal and contact details, submit mobile phone details including IMEI numbers, acknowledge that you have read and considered the Product Disclosure Statement and Target Market Determination, and submit an application together with payment details. The specific information requested through the Online Application may change from time to time and may include additional information reasonably required to assess eligibility, suitability, enrolment, ongoing administration or compliance with applicable laws, regulatory obligations, insurer requirements or the insurance documentation.
Submitting information through the Online Application does not guarantee acceptance of an application or commencement of cover. Insurance cover only commences if and when the application is accepted in accordance with the insurance documentation and you receive confirmation that a policy has been issued.
You warrant that information you submit through the Online Application is accurate, complete and not misleading at the time of submission and acknowledge that failure to do so may affect the availability of cover or any associated benefits in accordance with applicable law.
6. Customer Portal
Once a policy has been issued, you may access the Customer Portal using the details provided to you on enrolment or through other notified channels.
The Customer Portal is an administrative interface only. It is intended to provide access to information and functionality relating to a policy and may include, without limitation, the ability to view policy information, access and download available policy documents, review premium payments and billing history, submit permitted requests to update certain contact or administrative information, request cancellation of a policy in accordance with policy terms, and access links to the Phone Claims Dashboard, third party cyber interfaces, and available support tools.
The information, features, tools and content made available in the Customer Portal are not exhaustive and may be added, modified, limited or removed from time to time. Not all information shown in the Customer Portal is editable, and available features, functions and displays may change from time to time.
You are responsible for maintaining the confidentiality and security of your access credentials. Any activity conducted through authenticated access to the Customer Portal will be treated as authorised by you unless you notify Likewize Services of unauthorised access as soon as reasonably practicable.
Likewize Services does not review, verify or validate individual entries, actions or submissions made through the Customer Portal, and users remain responsible for the accuracy, completeness and appropriateness of information and actions taken through it, subject always to applicable law.
7. Policy information, corrections and updates
Only information that is clearly identified in the Customer Portal as editable may be updated through the Customer Portal.
Certain core details, including your name and date of birth, cannot be changed through the Customer Portal. Requests to change those details must be made by contacting Likewize Services and will be subject to verification and any insurer requirements.
Submitting a request to update information does not itself amend the insurance contract. Any change takes effect only if, and to the extent, implemented in accordance with the insurance documentation (including any insurer approval or processing requirements), and in compliance with applicable law. The insurer’s records (including records maintained by Likewize Services on the insurer’s behalf) and the insurance documentation remain the authoritative record of your insurance.
8. Phone Claims Dashboard
The Phone Claims Dashboard is made available by Likewize Services under its binder authority from the insurer to support the lodgement, tracking and management of claims relating to mobile phone cover.
The Phone Claims Dashboard may include, without limitation, functionality to lodge claims, upload or submit information, view claim status or history, track fulfilment methods, and manage or update registered phone details in accordance with applicable policy rules and processes.
The information, features, tools and functionality made available through the Phone Claims Dashboard are not exhaustive and may be added, modified, limited or removed from time to time. The availability, presentation and operation of the Phone Claims Dashboard may change from time to time, including as a result of operational, technical, regulatory or insurer requirements.
9. Third party cyber interfaces
Links or access points to third party cyber interfaces, including cyber portals and cyber claims dashboards, may be displayed in the Customer Portal for convenience.
Those third party cyber interfaces are operated by BOXX and are not operated, controlled, endorsed or managed by Likewize Services. Likewize Services does not control those interfaces and is not responsible for their operation, availability, content, security or performance, and does not provide cyber security, monitoring or cyber claims handling services through them.
Your use of any third party cyber interface is subject to the terms, conditions and privacy practices imposed by BOXX.
10. Technical support services
The Customer Portal may provide access to phone related technical support tools, such as diagnostics, troubleshooting features, device information, guides and other support content.
These tools are provided as informational and technical resources only. They do not constitute insurance services, do not form part of the insurance contract, and do not amend, extend or otherwise affect insurance cover or claims assessment.
11. Accuracy of information and system records
You are responsible for ensuring that information you submit through Digital Interfaces operated by Likewize Services is accurate, complete and up to date to the extent reasonably practicable, and for notifying Likewize Services if you reasonably believe information displayed is inaccurate.
Information presented through the Digital Interfaces may be derived from, or dependent on, underlying systems and processes (including systems operated by Likewize Services on the insurer’s behalf) and may be subject to processing delays, reconciliation or system maintenance. The Digital Interfaces are not real time systems of record, and the insurance documentation and the insurer’s records (whether maintained directly by the insurer or by Likewize Services on the insurer’s behalf) prevail in the event of any inconsistency.
Information, notices and confirmations relating to use of the Digital Interfaces may be made available electronically through those interfaces or by other electronic means where permitted by law.
12. Availability, suspension and acceptable use
Likewize Services uses reasonable efforts to maintain the availability of the Digital Interfaces it operates but does not guarantee uninterrupted or error free access.
Likewize Services may suspend, restrict or terminate access to all or part of a Digital Interface where reasonably necessary to protect the security or integrity of systems, to comply with legal or regulatory obligations, to address misuse, or to manage operational risk. Any such action will not affect the validity of any insurance policy.
You must not misuse the Digital Interfaces, attempt to bypass security features, interfere with their operation, extract data without authority or use them for unlawful purposes.
13. Intellectual property
The Digital Interfaces operated by Likewize Services, and all related content, are owned by or licensed to Likewize Services and other rights holders.
You are granted a limited, non exclusive, non transferable right to access and use those Digital Interfaces for their intended purpose only. Except as permitted by law, no rights are granted to copy, adapt, reproduce, distribute or commercialise any content without prior written consent.
14. Privacy
Personal information is collected, used and disclosed in accordance with applicable privacy laws and the relevant privacy policies of Likewize Services, the insurer and other parties involved in administering the Bupa Phone and Cyber Insurance program.
15. Liability and consumer rights
Nothing in these Terms of Use excludes, restricts or modifies any right or remedy that cannot be excluded under the Australian Consumer Law or other applicable legislation.
To the extent permitted by law, Likewize Services is only responsible for loss that is reasonably foreseeable and caused by its failure to exercise reasonable care in providing the Digital Interfaces it operates. Likewize Services is not responsible for losses arising from Digital Interfaces it does not operate, from third party cyber interfaces, or from matters governed solely by the insurance documentation.
16. Third party links and services
Digital Interfaces may include links to third party websites, portals or services for convenience. Likewize Services does not control those third party services and is not responsible for their content, availability, security or practices. Accessing third party services is at your own risk and subject to the terms imposed by those third parties.
17. Changes to these Terms of Use
Likewize Services may update these Terms of Use by publishing revised versions through the Digital Interfaces it operates. Continued access to or use of a Digital Interface after publication of updated Terms of Use constitutes acceptance of the updated terms, subject always to applicable law. Updated versions will not apply retrospectively in a way that would unreasonably disadvantage you.
18. Governing law
These Terms of Use are governed by the laws of Australia. You submit to the non exclusive jurisdiction of Australian courts.
19. General provisions
A failure or delay by Likewize Services in exercising a right under these Terms of Use does not operate as a waiver of that right. If any provision of these Terms of Use is found to be invalid or unenforceable, it will be read down or severed to the extent necessary, with the remaining provisions continuing in full force and effect.
20. Contact details
For queries relating to Digital Interfaces operated by Likewize Services, you may contact Likewize Services by phone on 1300 556 721 or by email at bupaphoneandcyber@likewize.com.