Income protection waiting periods compared
14, 30, 60, or 90 days: how waiting periods change premiums and cash-flow if you cannot work.
Category
Life & income
Practical insurance notes for Australian readers in Life & income.
Category
Practical insurance notes for Australian readers in Life & income.
Last updated: 2026
This Privacy Policy explains how Pixite Pty Ltd (“we”) handles personal information when you use Calm Brolly, in line with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
Pixite Pty Ltd (trading as Pixite)
Penrith NSW 2750, Australia
ABN 27 676 999 269 (ACN 676 999 269)
Email: info@pixite.com.au Phone: (02) 4709 6722.
Web: pixite.com.au
Pixite Pty Ltd operates and manages Calm Brolly. We are not an insurer or Australian financial services licensee unless expressly stated.
We use service providers (hosting, analytics) under appropriate arrangements. We do not sell your personal information. When you follow a partner link, that third party becomes an independent collector of any information you provide to them.
Some processors may be located outside Australia. Where that occurs, we take reasonable steps consistent with APP 8.
We keep information only as long as needed for the purposes above or as required by law, then delete or de-identify it.
You may request access to, and correction of, personal information we hold about you. You may complain to us first at info@pixite.com.au. If you are not satisfied, you may contact the Office of the Australian Information Commissioner: oaic.gov.au.
The Site is intended for adults comparing insurance information. We do not knowingly collect information from children under 16.
Last updated: 2026
These Terms of Use govern your access to and use of Calm Brolly (the “Site”), operated by Pixite Pty Ltd trading as Pixite (“we”, “us”, “our”). By using the Site you agree to these terms. If you do not agree, please stop using the Site.
Calm Brolly is published and managed by Pixite Pty Ltd (ACN 676 999 269), an Australian proprietary limited company (ABN 27 676 999 269), based in Penrith NSW 2750, Australia. Company website: pixite.com.au. We publish editorial articles and practical guides about personal and household insurance topics for readers in Australia.
Content is for general information only. It is not personal financial product advice, insurance advice, or a recommendation to buy, cancel, or switch any product unless clearly labelled otherwise.
You may view and print pages for personal, non-commercial use. You must not copy, scrape, or republish substantial parts of the Site without written permission; use the Site unlawfully; attempt unauthorised access; or misrepresent your affiliation with us.
Text, layout, logos, and graphics are owned by or licensed to Pixite Pty Ltd and protected by copyright and other intellectual property laws. Third-party photographs and trademarks belong to their respective owners.
The Site may link to comparison services, insurers, and other third parties. We do not control external websites. Some pages are advertorial or contain affiliate or referral links — we may receive compensation when you click through or engage with a partner. Partner sites have their own terms and privacy policies. Sponsored and advertorial content is labelled where practicable.
When you complete a quiz or click a call-to-action button, you may be directed to a third-party service such as Finder. That service is solely responsible for its offers, pricing, eligibility decisions, and data handling.
We aim to keep information accurate but do not warrant that content is complete, current, or error-free. Insurance products, premiums, and Product Disclosure Statements change frequently. Verify details with the product issuer and official sources such as Moneysmart and ASIC before acting.
To the fullest extent permitted by Australian law (including the Australian Consumer Law), we exclude liability for loss arising from use of the Site or reliance on its content, except where liability cannot be excluded by law.
These terms are governed by the laws of New South Wales, Australia. Courts in New South Wales have non-exclusive jurisdiction, subject to your non-excludable rights under the Australian Consumer Law.
Pixite Pty Ltd, Penrith NSW 2750, Australia. Email: info@pixite.com.au. Phone: (02) 4709 6722.
Last updated: 2026
This Cookie Policy explains how Calm Brolly (operated by Pixite Pty Ltd) uses cookies and similar technologies.
Cookies are small text files stored on your device when you visit a website. They help sites remember preferences and understand how pages are used.
| Type | Purpose | Consent |
|---|---|---|
| Strictly necessary | Security, storing your cookie choice, basic site function | Not required |
| Analytics | Understanding visits and improving content (if enabled) | Yes |
| Marketing / measurement | Measuring advertising effectiveness where used | Yes |
Use OK on our cookie notice to allow non-essential cookies where applicable. You can change your mind by clearing browser cookies and revisiting the Site. For privacy complaints, see the OAIC: oaic.gov.au.
Questions: info@pixite.com.au Phone: (02) 4709 6722. · Pixite Pty Ltd, Penrith NSW 2750, Australia
Last updated: 2026
Calm Brolly is operated and managed by Pixite Pty Ltd trading as Pixite (ABN 27 676 999 269 (ACN 676 999 269)), Penrith NSW 2750, Australia. Contact: info@pixite.com.au Phone: (02) 4709 6722. Web: pixite.com.au. We publish educational content about insurance topics for Australian readers.
Articles are published for general information and education. They reflect research and editorial judgement at the time of publication, not personal advice tailored to your circumstances.
Nothing on this Site constitutes personal financial product advice under the Corporations Act 2001 (Cth). Pixite Pty Ltd is not providing insurance broking services via the Site unless expressly stated. Always read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) issued by the product provider, and consider whether a product is appropriate for you.
Some pages — including featured guides — are advertorial. We may earn a fee when you use partner links or complete a referral journey (for example a comparison quiz that routes to Finder). Promotional pages are labelled. Treat them as marketing, not independent product ratings. Do not rely on advertorial content alone when buying insurance.
Third-party comparison sites and insurers set their own prices, eligibility rules, and terms. We are not responsible for their offers, availability, claim decisions, or data handling after you leave Calm Brolly.
Nothing in these disclosures excludes any non-excludable rights you may have under the Australian Consumer Law when you purchase goods or services from a third party.
We may link to Moneysmart, ASIC, and similar sources. We are not responsible for third-party content.
