Frequently Asked Questions

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<p>By registering with IAG&rsquo;s Developer Portal or using any part of the API you are consenting to becoming a party to this agreement and to be bound by its terms.&nbsp; Your written approval is not a prerequisite to the validity or enforceability of this agreement.</p>
<p>If you do not want to become a party to this agreement or do not agree with or cannot comply with all of its terms, do not register with IAG Developer Portal or otherwise install and or use any part of the IAG API&rsquo;s, and you will not be licensed or authorised for the IAG API&rsquo;s.</p>
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<h1>Definitions</h1>
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<p>API:&nbsp; Application Programming Interface which allows an API user to obtain an indicative quote, a firm quote and also the ability to purchase home insurance products.</p>
<p>Developer: The individual and / or company that receive an IAG Developer License to either embed or use IAG API&rsquo;s in an application or solution for End Users.</p>
<p>IAG: Insurance Australia Group</p>
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<h1>Changes or amendments to the terms and conditions</h1>
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<p>IAG reserves the right to update or amend these terms and conditions from time to time.&nbsp; Any changes made to these terms and conditions will become effective immediately.&nbsp; If Terms and Conditions have changed users with an existing account will be asked to accept the new version, and will not be able to log in until they have.&nbsp; If the Developer continues to access and use the API, or allow its Users to access and use the API after a change to the terms and conditions have been made, the continued access to and use of the API will mean that the Developer has agreed to continue to be bound by the terms and conditions as amended.</p>
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<h1>Registration and issue of API Key</h1>
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<p>Before the Developer can consume and develop an application against IAG APIs, a Developer should register at IAG Developer Portal <a href="https://developer.iag.com.au/">https://developer.iag.com.au</a> and will be issued with an API key by IAG.</p>
<p>The API Key is free but it is non transferable and must only be used by the Developer to which the API Key is issued.&nbsp; If a Developer permits or facilitates any other person or party to access or use the API Key, then that use will constitute a breach of these terms and conditions and result in an automatic termination of this agreement and access to the API including the cancellation of the API Key by IAG.&nbsp;</p>
<p>At the time of submitting a request for an API User Account, the Developer will need to provide the details of a Nominated User who will be responsible for the care and use of the Developer API Key.&nbsp; The Nominated User is required to supply the following details to enable IAG to contact the Nominated User should IAG have any questions about the use of the API User Account by that Developer.</p>
<ol>
<li>First Name</li>
<li>Last Name</li>
<li>Legal Organisation Name</li>
<li>Contact Email Address</li>
<li>Contact Telephone / Mobile Number</li>
</ol>
<p>IAG will only use the Nominated User&rsquo;s personal information to contact the Nominated User about the Developer use of the API from time to time.&nbsp; IAG will not use or disclose the Nominated Person&rsquo;s personal information for any purpose except as described in these terms and conditions.</p>
<p>IAG reserves the right to terminate the API User Account and API Key if the Developer in the opinion of IAG has breached any part of these terms and conditions.</p>
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<h1>General Obligations of the Developer</h1>
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<p>If the Developer is issued with an API User Account, then it may implement the API on its website / system via the API to its Users.&nbsp; By installing the API on its website / system, the Developer agrees that:</p>
<ol>
<li>It must not access the source code of the API or IAG&rsquo;s Developer Portal including distribute or on-supply (whether for value or not) the API, or the source code for the API to any person without the express written consent of IAG;</li>
<li>Its rights to the API&rsquo;s are strictly limited to making direct server calls to the API (using the API Key);</li>
<li>If the API is depreciated by IAG or is no longer available then the Developer must also remove it from its website / systems;</li>
<li>It must not violate or seek to violate the security of IAG or the API;</li>
<li>The API User Account or API Key must not be shared with any person or third party outside of the Developer institution, or used for any purpose not directly related to the Developer&rsquo;s own business;</li>
<li>IAG may from time to time monitor access and use of the API by the Developer Institution to ensure compliance with these terms and conditions;</li>
<li>It must provide to IAG free access to any applications or websites that use the API to ensure these terms have been complied with;</li>
<li>Ensure that the Nominated User&rsquo;s details are correct and up to date and that the details are provided with the full and informed consent of the Nominated User; and</li>
<li>It will comply with and will ensure its Nominated User and other officers, employees and agents as permitted under these terms and conditions comply with all relevant Australian laws and regulations pertaining to the use of API&rsquo;s.</li>
</ol>
</p>
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<h1>Call Limit</h1>
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<p>Developer may be subject to a limit on the number of free API calls it is permitted to make per day or per month.&nbsp; IAG will notify the Developer through its Nominated User of any limits applicable to a Developer API User Account.</p>
<p>If a Developer wishes to increase the number of API calls it is permitted to make a per-day or per-month basis, it must contact IAG accordingly.&nbsp; Any increase in the API call limit may be subject to payment of a fee to be agreed between IAG and the Developer.&nbsp; The application of a fee for additional or further access above the daily or monthly call limit is to be determined by the sole discretion of IAG.</p>
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<h1>API as an Information Source</h1>
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<p>Any information (including indicative pricing) that is provided by IAG via the API is done so in good faith and in accordance with these terms and conditions.&nbsp; While IAG derives information&nbsp;based on the data sent in by the Developer IAG believes the information to be accurate and up to date, IAG reserves the right to remove, correct or update any information that is accessible to the API without notice to the Developer or its .</p>
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<h1>Intellectual Property Acknowledgement</h1>
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<p>The Developer agrees to acknowledge IAG as the source of the API and any data derived from the API through the Developer Institution.</p>
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<h1>No Technical Support Provided</h1>
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<p>The API may be subject to version updates from time to time.&nbsp; IAG may notify the Developer Institution&rsquo;s Nominated User.&nbsp;&nbsp;&nbsp; The Developer acknowledges that it is responsible for ensuring that it is using the latest API version as it is made available by IAG. IAG will not be responsible or liable to the Developer Institution, including any of its Users for any loss that may arise out of, or in connection with the use of any superseded versions of the API.</p>
<p>IAG does not warrant or represent any particular performance characteristics or general availability of the API.&nbsp; IAG will however provide API troubleshooting guides through the Developers Portal with login and password that will be issued to the Nominated User for the use by a Developer Institution only at the time that the API User Account and API Key is .</p>
<p>Support may be provided on a case by case basis and must be organised through the Developer&rsquo;s standard engagement channel.</p>
<p>IAG endeavours to provide reasonable notice to a Developer Institution through its Nominated User of any planned outage of the API.</p>
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<h1>Version Currency of API</h1>
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<p>The continued use of an API key provided by IAG indicates acceptance to upgrade to IAG&rsquo;s latest API interface &amp; specifications on at least a yearly basis, and willingness to use a version of the API that is the latest, or no more than three months old upon the anniversary date, unless otherwise agreed in writing with IAG before the API key is issued.</p>
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<h1>Indemnity</h1>
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<p>The Developer indemnifies IAG including its officers, employees and agents against all Losses sustained or incurred by IAG as a result of actions, claims and demands (including the cost of defending or setting any action, claim or demand) which may be instituted against IAG arising out of or in connection with a failure by the Developer Institution, its Nominated User or its Users to comply with these terms and conditions.</p>
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<h1>Copyright</h1>
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<p>You agree to use IAG API&rsquo;s in compliance with all applicable laws, including without limitation copyright laws, and that You will not copy, transmit, perform or distribute content using the API without obtaining all necessary licenses or permissions from IAG.</p>
<p>IAG API&rsquo;s are protected by copyright laws and international copyright treaties, as well as other intellectual property laws and treaties.&nbsp; Notwithstanding anything else, IAG API&rsquo;s are licensed and not sold.&nbsp; All rights not specifically granted in the Agreement are reserved by IAG and its licensors.</p>
<p>IAG expressly prohibits each and every API User from granting a sub licence to the API to any third person for use.</p>
<p>IAG expressly prohibits API&rsquo;s or any portion thereof being used for an aggregator website or similar, without prior written approval.</p>
<p>You shall not directly or indirectly: copy, modify or distribute IAG API&rsquo;s, or credentials to access IAG API&rsquo;s or any portion thereof; reverse engineer, disassemble, decompile or otherwise attempt to discover the source code or structure, sequence and organisation of IAG API&rsquo;s or any portion thereof (except where the foregoing is permitted by applicable local law, and then only to the extent so permitted); rent or lease IAG API&rsquo;s or any portion thereof to a third party, or otherwise use of IAG API&rsquo;s or any portion thereof to be used for any commercial purpose or on behalf of any third party without IAG being properly compensated; remove or obscure any proprietary notices on IAG API&rsquo;s; post or otherwise make available IAG API&rsquo;s, or any portion thereof, in any form, on the Internet or other publicly-available forum; distribute access credentials, and documentation for IAG API&rsquo;s to others (electronically or otherwise); use a previous version of IAG API&rsquo;s after you receive a new version and are asked to discontinue using the previous version; export or re-export IAG API&rsquo;s in violation of any laws or regulations; or make any single API user license available for use by multiple users over any network or from any remote workstation or terminal.</p>
<p>A breach of this clause will be considered by IAG to be a breach of these terms and conditions and will result in the immediate termination or suspension (at the election of IAG) of the API User Account concerned.&nbsp; IAG will not have any liability or responsibility to a Developer Institution or its Users for the termination of the API Key and the API User Account under this clause.</p>
<p>Any request for permission to use the API beyond the scope of this licence, including for any commercial purpose should be directed to the IAG via <a href="mailto:emailaddress@iag.com.au">emailaddress@iag.com.au</a></p>
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<h1>Privacy and Security Policy</h1>
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<p>For further information about how IAG treats personal information (in addition to these terms and conditions), please review our privacy policy. <a href="http://iag.com.au/privacy-and-security">http://iag.com.au/privacy-and-se...
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<h1>Security of Information</h1>
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<p>IAG will take reasonable steps to protect information stored on the API so that it is not compromised.&nbsp; Data collected through IAG API&rsquo;s is for the exclusive use of IAG and will not be shared with or sold to other parties.&nbsp; Developers can nominate the number of days to which data will persist to the maximum of 90 days.&nbsp; If the Developer does not nominate a &lsquo;time-to-live&rsquo; value IAG will assume a maximum of 14 days and thereafter the data will be deprecated.</p>
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<h1>Breach of the API Terms</h1>
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<p>If a Developer Institution becomes aware of any breach of these terms and conditions for use of the API, it must immediately notify IAG of the threatened or actual breach upon becoming aware of such a breach by contacting IAG via Email: <a href="mailto:emailaddress@iag.com.au">emailaddress@iag.com.au</a></p>
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<h1>Termination of Access</h1>
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<p>IAG may, acting reasonably, terminate or temporarily suspend an API Key and/or an API Account without notice to the Developer Institution and these terms and condition will survive termination and continue to be in force during a suspension.</p>
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<h1>Disclaimer</h1>
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<p>This disclaimer does not attempt to purport to exclude liability arising under statute if, and to the extent, such liability cannot be lawfully excluded.</p>
<p>IAG does not accept responsibility for any Loss, however it is caused (including through negligence), which a Developer Institution or its User may directly or indirectly suffer in connection with or arising from use of the API including any applications, links, databases associated with the API including any reliance on information accessed through the API or by an API User.</p>
<p>IAG accepts no liability for any failure by it to comply with these terms and conditions where such failure is due to circumstance beyond its reasonable control.</p>
<p>If IAG waives any right available to an API User under these terms and conditions on one occasion, this does not mean that those rights will automatically be waived on any other occasion.&nbsp; If any of these terms and conditions are held to be invalid, unenforceable or illegal for any reason, the remaining terms and condition continue to be in full force and effect.</p>
</p>
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<h1>Governing Law</h1>
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<p>These terms and conditions are governed by the laws in force in Australia and New Zealand and each API User agrees to submit to the exclusive jurisdiction of the courts of that jurisdiction.</p>
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<h1><span style="font-weight: normal !msorm;">Availability</span></h1>
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<p>IAG may change, suspend, or discontinue the availability of any IAG APIs at any time.&nbsp; In addition, IAG may impose limits on certain features and services or restrict your access to parts or all of the IAG API&rsquo;s without notice or liability.</p>