This website is operated by TAL Life Limited ABN 70 050 109 450 AFSL 237848 ("TAL Life"). TAL Life is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (“TAL”) which includes TAL Life Insurance Services Limited ABN 31 003 149 157 (“TLISL”). BT is a trade mark of BT Financial Group Pty Limited ABN 38 087 480 331 (“BTFM”) and is used by TLISL and MSAL under licence.

By using this website you enter into an agreement with TAL and acknowledge and agree to be unconditionally bound by the terms and conditions set out below as amended from time to time (“Terms”) including the computer storage, processing and use of personal information in accordance with the provisions of TAL’s Privacy Policy.

Terms may be amended at any time by posting amended Terms on this website, and you will be deemed to have accepted amended Terms by continuing to access and use this website and you agree that you have been provided with sufficient notice of the amendment.

All information and services provided on this website is intended for use by residents of Australia only. The information provided on this website may not satisfy the law of other countries. Overseas residents use this website at their own risk and should take into consideration the requirements of their country of residence when accessing this website and enquiring about our services.

1. Intellectual property rights

All material available through this website is either owned by or licensed to TAL and is protected by intellectual property rights. You agree not to access, download or otherwise use any material on this website without the written permission of TAL or the relevant licensors or owners of such intellectual property rights. You accept full responsibility and indemnify us for any expense, loss or liability that we incur as a result of any use by you of the material on this website that is not expressly authorised by us or the relevant licensors or owners. You agree not to delete any copyright notices or other indications of protected intellectual property rights from materials that you print or download from this website.

2. Professional advice may need to be obtained

Financial services (as that term is defined in the Corporations Act 2001 (Cth)) provided on the website are provided by TLISL.

You acknowledge that by us providing the information contained in this website we are not rendering any legal, accounting, financial or other professional advice or opinions on specific matters or facts, guaranteeing repayment of capital, or making a recommendation with respect to any financial services or products.

The information on the website does not take into account any person’s particular circumstances. You should always consult a qualified adviser for advice on whether the information or any course of action is appropriate to your particular objectives, financial situation and needs. Before you decide to acquire a product issued by TLISL, or keep a product you already hold, it is important that you consider the relevant Product Disclosure Statement to make sure that the product is appropriate for you.

The Target Market Determination for the relevant product, where applicable, is also available on our website.

3. Use of information on this website by you

The information presented on this website has been compiled from various sources. The description of the various products and services is provided solely for general purposes and is not intended to be a complete description of all the terms, conditions, exclusions applicable to the product or service.

We take reasonable steps to ensure that the information contained in this website is accurate and up-to-date however, the information presented on the website is subject to change without notice and its accuracy is not guaranteed.

4. Electronic communication     

TAL is required by law to provide certain ongoing communications to holders of financial products. To the extent permissible by law, all communications arising from your use of this website will be in electronic form and will be provided to you by email or text message to your nominated email address or mobile telephone number.

By accessing and using this website, you agree to communication in the manner described above unless you expressly inform us that you require communications to be provided to you in hard copy or by post. You may revoke your agreement to electronic disclosure and communication by letting us know that you wish to receive disclosure and communication by contacting us.

5. Warranties

Whilst reasonable steps have been undertaken to ensure that the software, documents, tools, general information (“Materials”) and materials on this website are free from error, to the fullest extent permissible by law:

  • the information and Materials on this website are provided "as is" and without warranties of any kind whether expressed, implied, statutory or otherwise and TAL disclaims all warranties, whether expressed, implied, statutory or otherwise including, but not limited to, warranties of suitability and fitness for a particular purpose and title.
  • TAL does not warrant that the website or the functions contained in the Materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components.
  • TAL does not warrant or make any representations regarding the use or the results of the use of the information and/or Materials on this website in terms of their accuracy, reliability, suitability, completeness or otherwise.

The information and descriptions contained on the website are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services presented or referred to on this website. As such, for complete details please refer to the actual policy documents, applicable terms and conditions, policy schedules, benefit guides, product disclosure documents and financial services guide.

Materials presented on this website and such information and/or Materials is subject to change without notice and may not be up to date.

6. Indemnity

You indemnify us (and our related bodies corporate) in respect of any liability incurred by us (or our related bodies corporate) for any loss, cost, damage or expense, howsoever caused, as a result of your breach of these Terms or your use of this website.

Subject to any responsibilities implied by law and which cannot be excluded, we (or any of our related bodies corporate) are not liable to you for any direct, incidental, consequential, indirect, special or punitive damages, losses, liabilities, costs, expenses of whatsoever nature that result from or in connection with any access, the use of, or the inability to use, the Materials and/or information on this website or reliance on the Materials and/or information on this website, tools, server or connection failure, error, omission, interruption, delay in transmission, computer virus or any use of or access to any other websites linked to this website.

To the extent that TAL’s liability or the liability of any of our related bodies corporate (including TAL’s employees, agents or directors) cannot be excluded, to the maximum extent permitted by law, such liability is limited to the supply of the services again.  Under no circumstances shall TAL’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website.

7. Your Information

Personal and sensitive information (‘personal information’) may be collected from you via this website to enable TAL to provide our products or services to you. Further information may be requested from you at a later time. TAL and is bound by current Australian Privacy Legislation including the Privacy Act 1988 (Cth) and the 13 Australian Privacy Principles. Information handling practices are explained in our Privacy Policy including who we are and why we need to collect information when providing our products and services. It also describes how we store information, how we can obtain access to information we hold about you and how you can update or correct information if required. In providing our products and services, we share information with others and our Privacy Policy provides details about this disclosure. If you have any questions relating to privacy or need to know how to make a privacy related complaint, our Privacy Policy provides the details you need to contact TAL and is available on this website.

8. Links to other websites and cookies

As a convenience to you this website may contain links to other sites independently maintained by others. Because we may not control these other sites, we cannot be responsible for the content or accuracy of the information or other material on these linked sites. The fact that we have provided a link to another website does not mean that we make a recommendation or give any endorsement or approval of any products or services contained in those other sites.

Before disclosing your personal information on any other website, we advise you to examine the terms and conditions of those websites (including websites of other TAL companies, as their terms and conditions can differ from this website).

You acknowledge that you cannot make any hyperlinks to this site without our prior written consent.

Cookies are pieces of information that a website transfers to your computer's hard disk for record keeping purposes. Most web browsers are set to accept cookies. We use cookies to make your use of our website and services as convenient as possible. Cookies in and of themselves do not personally identify users, although they do identify a user's browser. Cookies are useful to estimate our number of customers and determine overall traffic patterns through our website. If you do not wish to receive any cookies you may set your browser to refuse cookies. This may mean you will not be able to take full advantage of our services. Please refer to our Privacy Policy for more information.

9. Breach of conditions

If you breach any term or condition of these Terms, we may suspend your access to the website or Materials. We reserve the right to suspend your access to the website or Materials due to technical or other problems associated with the website or Materials.

We reserve the right to terminate the website or Materials at any time at our absolute discretion.

10. Complaints and disputes about the Website

Any dispute arising in connection with these Terms or in connection with your use of the website which cannot be resolved by good faith negotiations between us shall be referred to mediation or to arbitration. However, we reserve, at our absolute discretion, our right to instigate legal proceedings prior to negotiation, arbitration or mediation against any individual, organisation or entity, who in our opinion has acted in breach of these Terms.

11. Product and other information

This website contains information about TLISL products and services. Unless expressly stated otherwise, this information does not form part of the terms and conditions for TAL’s products and services.

All product information displayed on the website is subject to policy terms and conditions (including eligibility criteria, exclusions and limitations) which are set out in the relevant product disclosure document, and it is your responsibility to read and consider fully these terms and conditions before making any decisions in relation to any TLISL product. A copy of the relevant Product Disclosure Statement or Financial Services Guide and the Target Market Determination for the product (where applicable) is available on this website or by contacting us.

The information on the website is subject to change, amendment, update or removal without notice. Where possible, we will maintain your access to certain documents you may require in future, such as disclosure documents that are no longer in use but were current at the time you were provided with a financial service or acquired an insurance product. 

If you were provided with a disclosure document (such as a Product Disclosure Statement or Financial Services Guide) by way of hyperlink and did not save a copy of this document at the time that you received it, and are unable to access it on this Website in future, please contact us to arrange another copy.

Date last updated: 1 August 2022