Affiliate Terms & Conditions

This agreement will start when we notify you that we have accepted your application to join the Worldcare affiliate program.

By joining this program you agree to be bound by these terms and conditions, which will become a legally binding agreement between you and Worldcare.

1. Website hyperlink

We authorise you as our representative affiliate to refer customers to the Worldcare website by providing a hyperlink to it from your website.

You must comply with any reasonable directions we give you about the placement of banners, the hyperlink and text on your website. This authorisation is non-exclusive and you are not our partner or employee.

You must not do anything in relation to the program that is not expressly authorised under this agreement. Specifically, you must not create any partnership or agency sales relationship with any other person in relation to the program.

Unless otherwise agreed, you do not have authority from us and you are prohibited from making or accepting any offers or representations on our behalf.

2. No recommendations or opinions

You must not provide any recommendations, opinions or endorsements (implied or express) about Worldcare travel insurance products. You may confirm that Worldcare provides the travel insurance and a hyperlink to the Worldcare website where the customer can buy travel insurance.

You must not offer to sell (or imply that you are able to sell) travel insurance products on behalf of Worldcare.

3. Commission

For each Worldcare travel insurance policy issued to a customer who has been referred to the Worldcare website from your website, we will pay you commission calculated as 10% of the Gross Premium.

Commission as calculated is inclusive of goods and services tax (GST) payable on supplies made by you to us.

You have the option during the registration process to contribute part or all of your commission to a discount on the gross premium for your customers.

If a Worldcare travel insurance policy for which commission is payable to you is varied or extended (but not renewed) we will pay you commission on any additional premium.

If a Worldcare travel insurance policy for which commission is payable to you is cancelled by the customer we are entitled to a refund of any commission already paid to you for that policy and we are entitled to offset this commission from any further payments due to you.

We may vary how we calculate commission by giving you 30 days notice in writing. We may increase or reduce the percentage rate of commission or change the way we calculate commission. If you do not agree to the change, you may terminate this agreement by giving us seven days notice in writing.

To qualify for commission, the Worldcare travel insurance policy must be issued over the Worldcare website. Commission is not payable if the Worldcare travel insurance policy is issued over the phone.

4. Payment

We will pay you commission monthly in arrears within 30 days after the end of the month in which the Worldcare travel insurance policy was issued to the customer.

We will adjust any commission paid or payable for refunds on cancellation of the Worldcare travel insurance policy, or commission for variations/extensions. We will deduct (or pay) the adjustment amount in your next commission payment.

Our calculation of your commission and your entitlement to payment depends on the hyperlink to the Worldcare website being operational for us to collect the necessary data. If the hyperlink does not enable us to collect the necessary data you will not be entitled to any commission on any sales.

We will issue a recipient created tax invoice for supplies made by you to us under this agreement and you must not issue a tax invoice for those supplies. You must notify us if you cease to be registered for GST or cease to satisfy the requirements of the Goods and Services Tax Ruling GSTR 2000/10.

5. Banners and resources

We will make available website banners, quote panels, technical support details and other web based resources to support your activities as our representative affiliate. You may use the banners and resources only to provide the hyperlink on your website that links to the Worldcare website. You may only use the banners and resources in a way that's approved by us and you must not alter or tamper with the banners and resources in any way.

We own all intellectual property in the banners and resources, the Worldcare website and the Worldcare trade marks. We grant to you a non-exclusive and non-transferable revocable licence for the duration of this agreement to use these for the purpose of providing the hyperlink on your website. You are not authorised to use the Worldcare trade marks, and you must not use any names or marks that are deceptively similar to or that resemble the Worldcare trade marks.

You are solely responsible for the implementation of all URLs that are linked to the Worldcare website. Once your application is approved, we will send you an email confirmation with banner/s, text links and a tracking URL to monitor your website referral and sales. We will be unable to track your website sales if you make any changes to the tracking URL. You hereby agree that when and if the URL used in tracking sales is modified, erased, corrupted for whatever reason we will not be able to track your website sales and we will not be liable for payment of any commission.

You must not bid on the Worldcare name or trade marks or the Insurer's name or trade marks in any search engine marketing campaigns.

6. Indemnity

You indemnify us and we indemnify you for any liability, loss, damage or expenses arising from a breach of this agreement or any negligent or wilful act or omission.

However we are not be liable for and you release us from any indirect loss or damage (including without limitation any loss of revenue, profits or data) arising under or in connection with this agreement or the program as far as it relates to you.

We disclaim any express or implied warranty representation or guarantee as to the effectiveness or profitability of the program or that the operation of the Worldcare website will be uninterrupted or error-free. We are not liable for the consequences of any interruptions or error in the Worldcare website or the program.

7. Term and termination

This agreement will commence on the commencement date and will continue until terminated under this clause 7.

Either you or we may terminate this agreement at any time by giving seven days notice in writing without having to give reasons.

Service of notice by email to the email address given in your application is deemed to be delivery of notice.

We may terminate this agreement immediately by giving you notice in writing:

(a) if your website contains content or materials that in our absolute discretion causes or is likely to cause damage to our reputation or the reputation of the Insurer, our partners, clients or our customers; or

(b) if your website includes content that is false or misleading, obscene, promotes violence discrimination or illegal activities or infringes the intellectual property rights of any third party.

On termination of this agreement you are no longer authorised to act as our representative affiliate and you must immediately remove all banners and hyperlinks from your website and stop your activities in relation to the program.

We will pay all amounts owing to you for Worldcare travel insurance policies issued before or on the termination date but we will not be liable to pay any commission for any Worldcare travel insurance policies purchased by the customer after the termination date.

8. Force majeure

Each party agrees to release the other party from any loss arising directly or indirectly from a failure to perform, or delay in performing, any obligations under this agreement if the failure or delay is beyond that party's reasonable control. Without limiting the effect of this provision, we are not liable to you if the Worldcare website is down for any reason.

9. Change to these terms and conditions

We may change these terms and conditions at any time, including commission levels and how we calculate and pay commission under this agreement.

10. Definitions

In this agreement, the following definitions apply.

Application means your application to us for participation in the program.

Banners and resources means website banners, quote panels, technical support details and other web based resources to support your activities as our representative affiliate under this agreement.

Commencement date means the date when we notify you that we accept your application to participate as a representative affiliate.

Commission means the remuneration we pay you for each Worldcare travel insurance policy issued to a customer through the Worldcare website arising directly from the customer being referred from your website to the Worldcare website (adjusted for refunds on cancellation of an insurance policy within the cooling off period).
Gross premium means the total amount payable by a customer for a Worldcare travel insurance policy (including GST and stamp duty).

Hyperlink means an internet link between your website and the Worldcare website that is able to be tracked by us.

Insurer means Allianz Australia Insurance Limited (in Australia) or Allianz New Zealand Limited (in New Zealand).

Intellectual property means patents, trade marks, service marks, registered designs, unregistered design marks, trade or business names, copyright, data and database rights, any rights in any invention, discovery or process, confidential information or know-how and documentation.
Program means the Worldcare affiliate program.
Representative affiliate means a person that is appointed by us as our representative to provide referral services in relation to the program on our behalf. For Australian representative affiliates with a hyperlink to our website at the appointment is made under Regulation 7.6.01(ea) of the Corporations Regulations 2001.

We, us and our means AGA Assistance Australia Pty Ltd ABN 52 097 227 177 trading as Worldcare.

Worldcare travel insurance product/policy means a Worldcare travel insurance product underwritten by Allianz Australia Insurance Limited (in Australia) or Allianz New Zealand Limited (in New Zealand) and arranged and managed by us.

Worldcare website means our website at or

You or your means the person that is accepted by us as a representative affiliate in the program.

Your website means that website domain name that you have identified in your application to participate in the program.