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GMF Health is now part of HBF Health Insurance. Browse cover options. Existing members, recent changes explained.

Terms of use

Welcome to GMF

These Terms of Use apply exclusively to your access to and use of, this website and any GMF app products ('app'), (collectively the 'website') and do not alter in any way the terms or conditions of any other agreement you may have with us for products, services or otherwise.

If you become aware of any use of our site that you think is not complying with these Terms of Use, please contact us.

Website Terms of Use

By accessing or using this website, you agree to be bound by the following terms and conditions, as amended from time to time (the Terms of Use). Do not use this website if you do not agree to these Terms of Use:

  • The Terms of Use include our Privacy Policy, Privacy Collection Statement and any additional terms and conditions outlined elsewhere on this website;
  • "GMF Health or GMF" means HBF Limited (ABN 11 126 884 786) and its related bodies corporate; and
  • Any reference to "we" and "us" in these Terms of Use is a reference to GMF, and "our" has a similar meaning.

This website also serves as a portal to a network of different sites, some of which are owned and operated by us, and others which are owned and operated by third parties. Any reference to "our website" or "this website" is a reference to those web pages contained within the domain and any sub-domains. Any reference to "Members" is a reference to an approved GMF Health fund member. We may change these Terms of Use at our discretion at any time without notice. Your use of this website after any such changes constitutes your acceptance and agreement to comply with and be bound by the amended Terms of Use. We will make reasonable efforts to bring any changes to the attention of our users, but you should also check this page regularly to familiarise yourself with any updates.


Limited Access

The website is provided for users residing or intending to reside in Australia only. The products and services offered by GMF or on the website are not directed at anyone residing or intending to reside outside of Australia

If you are accessing the website using a mobile device or phone ('device'), you may have limited viewing or restricted access to the information provided on the website. Accordingly, you may not be able to access the website fully. In order to access all services, it may be necessary for you to access GMF's website using a computer.

If you are using any app, you will need to download the app to your device and ensure that you regularly download and install all relevant updates.


GMF will actively take steps to protect the information you provide to us via the website. However, GMF cannot guarantee that the information you transmit over the website or via the internet generally will be secure. There are risks in using the website notwithstanding our efforts to secure and encrypt information you send us. Therefore, you accept that any information you provide us is at your own risk.

GMF recommends that you maintain up-to-date anti-virus, anti-malware and anti-spyware software on your computer or device. If you are using a device to access the website, additional steps you should take include:

  • enabling a passcode lock on the device;
  • disabling features that may be accessible without entering passcodes;
  • making sure you regularly update the device's firmware;
  • enable privacy settings on the device's browser; and
  • disabling Bluetooth and Wi-Fi on the device when it is not being used.

Location Based Devices

GMF may provide certain features or services through the app that rely on device-based location information, which use GPS (where available), Wi-Fi hotspot and mobile phone tower location information.

In order for location services to work, GMF must collect, use, transmit, process and maintain your location data, including the real-time geographic location of your device. If location services are enabled on your device, you agree and consent to GMF's collection, use, transmission, processing and maintenance of location data to provide services to you. You can turn off location services by deactivating the option on your device.

App Content

GMF does not control any Content you post on the app or any Content posted on the app by a third party. Accordingly, GMF does not guarantee the accuracy, authenticity, integrity or quality of such Content. You understand this and agree that your use of the app and any Content is solely at your own risk. You understand that all Content, whether publicly posted or privately transmitted on the app is your responsibility.

GMF are not responsible for any Content you upload, download, post, email, transmit, store or otherwise make available through your use of the app. You understand that by using the app you may encounter Content that you may find offensive, indecent, or objectionable, and that you may expose others to Content that they may find objectionable.

In these Terms of Use, 'Content' means any information developed, created, used or placed on the app by you or a third party. This includes but is not limited to, written text, photographs, data, software, music, graphics, images, sounds, videos and messages.

Monitoring Rights

You acknowledge that GMF has the right, but not the obligation, to monitor any materials submitted by you or otherwise available on the website, to investigate any reported or apparent violation of these Terms of Use, and to take any action that GMF in its sole discretion deems appropriate.

In using the website, you agree and undertake to GMF that you will not infringe the intellectual property rights of any party.

Personal Use

This website is provided for personal, non-commercial use only. Unless otherwise agreed with us in writing, you must not make any use of this website for commercial gain. You may not reproduce or replicate any information or any part of this website, including the layout of the website, individual elements of the website design or text, sounds, graphics, animated elements or any other content of this website without GMFs prior written agreement. If you have any questions about advertising on our website, or the commercial use of any of the services we provide, please contact us.



HBF Health Limited ABN 11 126 884 786 trading as GMF Health complies with the Privacy Act 1988 (Cth) to ensure that your personal (including sensitive) information (Information) is protected.  GMF Health will use the Information collected to enable you to utilise the website to manage the health information you upload onto the website.  We may not be able to perform this function or only perform it to a limited extent if you do not provide us with your Information. We may disclose your personal information if required by law.

The personal information collected by GMF Health is separate from, and without prejudice to, any other Information concerning you, collected and held by GMF Health. GMF Health collects, uses and discloses your Information in accordance with our Privacy Policy which is available at or on request by calling an GMF Health Member Service Advisor on 1300 653 099. Our Privacy Policy contains further information about how GMF Health handles your Information. This includes information on how you can access and/or seek the correction of your Information that we hold about you as required by law and make a complaint about the way your Information is being handled by GMF Health and how GMF Health will deal with your complaint.

If you have any questions about how GMF handles your Information, please contact our Privacy Officer by writing to GPO Box C101, Perth, Western Australia, 6839.

GMF Health and its providers use Google Analytics or other similar programmes to monitor use and activity on our website and micro sites in accordance with our Privacy Policy



This website has been prepared solely for the purpose of providing information to users about GMF and its services. The information contained in this website has been provided by us in good faith. The information is believed to be accurate and current at the date the information was placed on the website. GMF excludes, to the maximum extent permitted by law:

  • All liability whatsoever in relation to your use of this website or any breach of these Terms of Use;
  • All liability whatsoever arising in respect of:
    • the security of your computer or device in accessing this website or any breach of your computer or device's security;
    • any computer viruses (including malware or spyware) on your computer or device or the transmission of any computer viruses (including malware and spyware); and
    • the integrity of any Content or data accessed through this website;
  • Any modification, suspension or discontinuance of our website; and
  • Any liability which might arise from you accessing or using the website of a third party or the goods and services of a third party.

To the extent permitted by law, you specifically agree that GMF is not responsible or liable for:

  • Any damages, claims, losses, liabilities, costs and expenses of any kind for any Content you choose to upload, download, post, email, transmit, store, share or otherwise make available to any other person, any third party or any website, including social media platforms;
  • Any unauthorised access to or alteration of your transmissions or data, any material or data sent or received or not sent or received, or any transactions entered into by you through our website;
  • Any threatening, defamatory, obscene, offensive or illegal content or conduct of any party;
  • Any infringement of another's rights, including intellectual property rights;
  • Any Content; or
  • Any third party website, material or content (whether accessed via this website or otherwise) or any third party service available from this website by linking to that third party site.

Certain content displayed on this website may be sourced from, and certain links on or from this website may lead to, sites and resources located on servers maintained by others over whom we have no control. We make no representation as to, and accept no liability for, the use of such content or such links or the accuracy or any other aspects of that content or the information.

To the extent permitted by law, our liability for a failure to comply with Part 3.2 Division 1 of the Australian Consumer Law is limited to the:

  • replacement of the goods or the supply of equivalent goods;
  • repair of the goods;
  • payment of the cost of having the goods resupplied or replaced;
  • supply of services again; or
  • payment of the cost of having the services supplied again.


Intellectual Property

As between you and GMF, the contents of this website (including all layouts, applets, text and graphic images in this site) are copyright GMF or related companies, unless stated otherwise. You may access and display these pages on a computer or a monitor, and print out for your personal use any whole page or pages in this website. All other use, copying or reproduction of any part of this website is prohibited (save to the extent authorised by law notwithstanding this provision). Without limiting the foregoing, no part of this website may be reproduced on any other internet site. Intellectual property rights in certain material included on this website, or processes used in, constructing or accessing this website, may be the property of third parties. If you seek to reproduce or otherwise use any such material or process in any manner, which would involve the exercise of the rights of the intellectual property owner, it is your responsibility to obtain authorisation for that reproduction or other use from the relevant third party or parties. You may not remove or alter any copyright notice, which appears in conjunction with any applets, text or graphics in this website.


All trademarks and logos (Marks) displayed on the website are proprietary to their respective owners and are protected by applicable trademark and copyright laws.

Waiver of Legal Right

If you breach any of these Terms of Use, and GMF has knowledge of that breach, a failure to pursue legal action or to enforce any remedy against you will not constitute a waiver of GMF's legal rights. Any waiver of these Terms of Use will only be effective if it is in writing and signed by GMF.


Linking to Third-party Websites

If our website links to the website of a third party, you understand and agree that we take no responsibility for any information provided on that website or its content generally. Any issue that you may have with that third party website is the sole responsibility of the relevant third party service or content provider.

Linking to this website

You may link to our website for non-commercial purposes. If you are interested in linking to our website for commercial purposes, or becoming otherwise affiliated with GMF, please contact us.

Governing Law

Unless expressly stated to the contrary, these Terms of Use are governed by the laws of Western Australia. You submit to the non-exclusive jurisdiction of the courts of Western Australia and any courts which may hear appeals from those courts in respect of any proceedings in connection with these Terms of Use. GMF has the right to commence and prosecute any action or proceeding before any court of competent jurisdiction to obtain injunctive or other relief if GMF considers (in its discretion) that such action is necessary or desirable. In the event that any part of these Terms of Use are deemed by a court to be invalid, those invalid Terms of Use shall be excised and the remaining provisions shall remain in full force and effect.


Version Information

These Terms of Use were last updated in July 2015.