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Complimentary E-Commerce Purchase Assurance Insurance Terms and Conditions
Under a policy of group insurance (the “Group Policy”) which has been issued to the Policyholder by AIG Australia Limited of Level 19, 2 Park Street Sydney NSW 2000 (“AIG”), You (as defined below) are entitled to the insurance coverage detailed in these terms and conditions. Such coverage is however subject to the terms and conditions contained herein.

I. PREAMBLE AND DISCLOSURES

This document contains important information about the Cardholders (“You/Your”) rights and obligations under the Group Policy and sets out the terms, conditions and exclusions relevant to the cover provided.

The Policyholder is a group purchasing body under the ASIC Corporations (Group Purchasing Body) instrument 2018/751 (“the Instrument”) and has arranged the coverage under the Group Policy issued to the Policyholder by the Insurer.

This document also constitutes the necessary disclosure required by the Policyholder as a Group Purchasing Body under the Instrument issued by the Australian Securities and Investments Commission.

The Policyholder is not an Authorised Financial Services Licensee as provided for under the Corporations Act 2001.

The Policyholder is not the issuer of the insurance coverage and neither the Policyholder nor any of its related corporations guarantee any of the benefits under the Group Policy nor are they under any financial or monetary obligation under the Instrument. You however are a beneficiary under the Group Policy. This means that subject to the terms of the Group Policy, Your right to claim under the Group Policy will be covered and paid by the Insurer.

The cover is provided at no additional cost to You and the Policyholder does not receive any commission or remuneration from the Insurer for arranging this cover.

Neither the Policyholder nor any of its related corporations are Authorised Representatives (under the Corporations Act 2001) of the Insurer. The Policyholder is not authorised to provide any financial advice in respect of the coverage under the Group Policy. You should consider obtaining Your own financial product advice about the coverage under the Group Policy from a person who is able to give such advice under an Australian Financial Services Licence.

If the Group Policy is terminated any claim arising prior to such date of termination will, subject to the terms of the Group Policy, be covered by the Insurer.

The Policyholder will give You prior written notice if the Group Policy ends but does not need to notify You if substantially similar cover applies or will apply. If You are not provided with such notice, the Policyholder is liable to compensate You for any loss or damage You may suffer as a result of the Policyholders failure to notify You.

You are able to verify the current status of Your coverage and whether the Group Policy is still current by contacting the Insurer at:

AIG Australia Limited
Level 19, 2 Park Street
Sydney, NSW 2000
Australia
APAC.Mastercard@aig.com

General Insurance Code of Practice

The Insurer is a signatory to the General Insurance Code of Practice (“Code”). The Code sets out the minimum standards of service that can be expected from the insurance industry and requires insurers to be open, fair, and honest in their dealings with customers.

The Insurer is committed to adhering to the objectives of the Code and to uphold these minimum standards when providing services covered by this Code. The Code objectives will be followed having regards to the law and acknowledging that a contract of insurance is a contract based on the utmost good faith.

The Code Governance Committee is the independent body that monitors and enforces insurers’ compliance with the Code. Their purpose is to drive better Code compliance and helping the insurance industry to improve its service to consumers. For more information on the Code please visit www.codeofpractice.com.au.

Complaints and Feedback

Learning about Your experiences with Us and Our service partners helps to improve the way We do business with You. If You have feedback, or an issue You would like resolved We encourage You to make contact. Below is information on how to contact Us and how We will work together to resolve any concerns You have.

How to provide feedback

1. Speak to Our Complaints team
Our complaints team can be contacted on 1800 339 669. To get the best out of Your call with Us, please have Your policy and/or claim number available and any specific information about the issue.

2. Provide Your feedback in writing
If You would prefer to provide Your feedback or complaint in writing You can do so by lodging Your complaint on Our website, or by writing to:

The Complaints Team
AIG Australia Limited
Level 13, 717 Bourke Street
Docklands VIC 3008
Email: aucomplaints@aig.com

What happens if You make a complaint?

If You make a complaint, We will record Your complaint and make sure that Your concerns are addressed as quickly as possible and seek to achieve a fair outcome for both parties.

We will assess Your complaint upon receipt. During the complaints process as set out in this notice, We will meet the following requirements in respect of Your complaint.

1. Acknowledge Your complaint within one (1) business day or as soon as practicable.

2. We will tell You who will handle Your complaint and their contact details.

3. We will, where applicable, keep You informed via Your preferred method of communication of the progress of Your complaint every ten (10) business days, more frequently or necessary or as agreed by both of Us.

4. We will treat Your complaint respectfully and handle all personal information in accordance with Our Privacy Policy.

5. Within 30 calendar days from the date We receive Your complaint, We will provide a response to Your complaint.

If We cannot meet any of the stated time frames, We will communicate to You the reasons why this has not been possible. We will also advise You when You should expect to receive a response or decision, Your right to complain to the Australian Financial Complaints Authority (AFCA) if You are dissatisfied with such reasons and provide You with the contact details for AFCA.

What You can do if You are not happy with Our response or handling of Your complaint

What You can do if You are not happy with Our response or handling of Your complaint

If You are not satisfied with Our response or the handling of Your complaint, You may wish to have the matter reviewed by Our Internal Dispute Resolution Committee (“Committee”).

If You wish to have Your complaint reviewed by the Committee, please telephone or write to the complaints team as per the details above. As part of Your request, please include detailed reasons for requesting the review and the outcome You are seeking. This information will assist the Committee in carrying out its assessment and review of Your complaint. A written response setting out the final decision of the Committee and the reasons for this decision will be provided to You.

If We are unable to provide a response within 30 calendar days of receipt of the initial complaint, We will inform You of (i) the time frame for when Your complaint will be heard by the Committee, (ii) when You should expect to receive a response from the Committee; (iii) the reasons for such delay; (iv) Your right to complain to AFCA if You are dissatisfied with such reasons; and (v) the contact details for AFCA.

You can take Your complaint to AFCA at any time, including:

1. if We have been unable to resolve Your complaint within 30 calendar days;

2. You are dissatisfied with the outcome of Your complaint; or

3. You are dissatisfied with the findings of the Committee.

AFCA provides a fair and independent financial services complaint resolution service that is free to consumers. AFCA can make decisions with which We are obliged to comply.

Under AFCA Rules, Your complaint may be referred back to Us if it has not gone through Our complaints process. AFCA’s contact details are:

Australian Financial Complaints Authority (AFCA)
GPO Box 3
Melbourne VIC 3001 Website: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678 (free call)

The use of AFCA does not preclude You from subsequently exercising any legal rights which You may have if You are still unhappy with the outcome. Before doing so however, We strongly recommend that You obtain independent legal advice.

If Your complaint does not fall within AFCA's Rules, We will advise You to seek independent legal advice or give You information about any other external dispute resolution options where available to You.

PRIVACY NOTICE

This notice sets out how the Insurer (“AIG”) collects, uses and discloses personal information about:

1. You, if an individual; and

2. other individuals You provide information about.

Further information about Our Privacy Policy is available at www.aig.com.au or by contacting Us on 1300 030 886 or at australia.privacy.manager@aig.com.

How We Collect Your Personal Information

AIG usually collects personal information from You or Your agents. AIG may also collect personal information from:

1. Our agents and service providers;

2. other insurers;

3. people who are involved in a claim or assist Us in investigating or processing claims, including third parties claiming under Your policy, witnesses and medical practitioners;

4. third parties who may be arranging insurance cover for a group that You are a part of;

5. providers of marketing lists and industry databases; and

6. publicly available sources.

Why We Collect Your Personal Information

AIG collects information necessary to:

1. underwrite and administer Your insurance cover;

2. improve customer service and products and carry out research and analysis, including data analytics; and

3. advise You of Our and other products and services that may interest You.

You have a legal obligation under the Insurance Contracts Act 1984 to disclose certain information. Failure to disclose information required may result in AIG declining cover, cancelling Your insurance cover or reducing the level of cover, or declining claims.

To Whom We Disclose Your Personal Information

In the course of underwriting and administering Your policy We may disclose Your information to:

1. Your or Our agents, entities to which AIG is related, reinsurers, contractors or third-party providers providing services related to the administration of Your policy;.

2. banks and financial institutions for policy payments;

3. Your or Our agents, assessors, third-party administrators, emergency providers, retailers, medical providers, travel carriers, in the event of a claim;

4. entities to which AIG is related and third-party providers for data analytics functions;

5. other entities to enable them to offer their products or services to You; and

6. government, law enforcement, dispute resolution, statutory or regulatory bodies, or as required by law.

AIG is likely to disclose information to some of these entities located overseas, including in the following countries: United States of America, Canada, Bermuda, United Kingdom, Ireland, Belgium, The Netherlands, Germany, France, Singapore, Malaysia, the Philippines, India, Hong Kong, New Zealand as well as any country in which You have a claim and such other countries as may be notified in Our Privacy Policy from time to time.

You may request not to receive direct marketing communications from AIG.

Access to Your Personal Information

Our Privacy Policy contains information about how You may access and seek correction of personal information We hold about You. In summary, You may gain access to Your personal information by submitting a written request to AIG.

In some circumstances permitted under the Privacy Act 1988, AIG may not permit access to Your personal information. Circumstances where access may be denied include where it would have an unreasonable impact on the privacy of other individuals, or where it would be unlawful.

Complaints

Our Privacy Policy also contains information about how You may complain about a breach of the applicable privacy principles and how We will deal with such a complaint.

Consent

If applicable, Your application includes a consent that You and any other individuals You provide information about consent to the collection, use and disclosure of personal information as set out in this notice.

II. SUMMARY OF COVER

Subject to the terms contained in this document and the Group Policy, the Insurer agrees to provide the following coverage to the Eligible Cardholders:

Insurance Cover	Claim Amount and Excess (AUD)
E-Commerce Purchase Protection ------------- Purchase Protection	Combined Per Occurrence Limit for Ecommerce Purchase Protection and Purchase Protection: Up to $750* Combined Annual Aggregate Limit for Ecommerce Purchase Protection and Purchase Protection: $750*

Each insurance benefit limit described in this document is in Australian Dollars (AUD). Payment of claims will be made in Australian Dollars (AUD).

Claim Amount and Excess

We will pay (if applicable) up to the Per Occurrence Limit per Eligible Cardholder for each claim as stated in the Summary of Cover table above. For any consecutive twelve-month period within the Group Policy Period, the maximum amount We will pay per Eligible Cardholder for all claims during such consecutive twelve-month period is the Annual Aggregate Limit set out in the table above.

There is no Excess applicable for these coverages.

Under the Group Policy, the Insurer agrees to provide coverage to Eligible Cardholders of the Policyholder as set out in the Group Policy and this document and based on information offered by the Policyholder.

*The Combined Limits for E-Commerce Purchase Protection and Purchase Protection applies to claims for both E-Commerce Purchase Protection and Purchase Protection.

III. GENERAL DEFINITIONS

Terms with a specific meaning are defined below and shall have the same meaning wherever they appear with an initial capital letter:

Accidental Damage means items that can no longer perform the function they were intended for due to broken parts or material or structural failures resulting from an unexpected and unintentional external event.

Annual Aggregate Limit means the maximum amount of benefit per Eligible Cardholder under the E-Commerce Purchase Assurance Insurance for which the Insurer is liable within a period of twelve (12) consecutive months prior to the date of loss.

Cardholder(s) means all individuals who have been issued an Eligible Card, including secondary or additional Cardholders on the same account, in Australia where such Eligible Card is issued by a participating Issuer.

Collectable Item means an object suitable for a collection, originally a work of fine art or an antique, also including any of a wide variety of items collected as a hobby, that may include but not limited to antiques, toys, coins, comic books and stamps and which items or objects are used for display, or as an investment and whose value may appreciate.

Courier means a transportation company duly licensed to engage in the business of transportation of Goods.

Eligible Card means a participating Issuer’s Mastercard credit cards which have been issued to Eligible Cardholders.

Eligible Cardholder/You/Your means those Cardholders with Eligible Cards who shall be entitled to receive payment or such other benefit as is provided for in the Summary of Cover and the Group Policy.

Excess means a monetary contribution You are required, if any, to pay towards a claim You make. Goods means new items, other than those listed in Coverage Exclusions below, purchased entirely with the Eligible Card and/or have been acquired with points earned by a rewards program associated with the Eligible Card.

Group Policy means the contract of insurance between the Insurer and the Policyholder. Group Policy Period means the period beginning from 1st March 2026 and until the Group Policy is terminated.

Insurer/We/Us/Our means AIG Australia Limited.

Issuer means a bank or financial institution or like entity that is authorized by Mastercard to operate a Mastercard card program in the Territory and is participating in the insurance offering to Eligible Cardholders.

Natural Catastrophe means flood, windstorm, lightning, fire, explosion, landslide, volcanic action, earthquake and/or tsunami.

Per Occurrence Limit means the maximum amount of benefit available under the Summary of Cover for any single incident during the Group Policy Period.

Policyholder means Mastercard Asia/Pacific Pte. Ltd. (“MAPPL”).

Seller means an online juridical entity duly organized, licensed and registered in accordance with the country of its principal place of business engaged in selling Goods via the internet.

Territory means the country or region in which Eligible Cards are issued, in this case, Australia.

Theft means the unlawful, intentional and dishonest taking of a Goods belonging to the Eligible Cardholder without their consent, with intent to deprive him/her of such Goods.

IV. COVERAGE

A. E-COMMERCE PURCHASE PROTECTION

Subject to the Annual Aggregate Limit and Excess per Eligible Cardholder, as set out in the Summary of Cover section above, We will cover You under E-Commerce Purchase Protection up to the Per Occurrence Limit for the following:

1. Non-delivery/and or incomplete delivery of Goods, that are purchased on the internet: Goods are insured against non-delivery if (i) unless so otherwise advised by the Seller/Courier that the Goods will be delivered at a date beyond 30 days of the scheduled delivery date, the Goods have not been delivered within 30 days of the scheduled delivery date; and (ii) the Seller/Courier has failed to refund You/send replacement Goods within 60 days of non-delivery. We will only provide coverage under this part 1. for any amounts You have not been able to or could reasonably recover under other applicable insurance or source. Under this part 1., Our indemnity is limited to a cash refund up to the purchase price and shipment costs of the non-delivered Goods. The total refund paid to You will not exceed the limits stated under the Summary of Cover above.

A delivery will be considered incomplete if the Goods delivered are missing component from a single online transaction. If the missing component is delivered at a later date, it shall not be construed as an incomplete delivery per the terms of this Group Policy.

2. Improper functioning due to physical damage of delivered Goods that are purchased on the internet. The delivered Goods are insured against improper functioning, provided (i) such improper functioning is solely as a result of physical damage which was apparent or manifest at time of delivery of the Goods to You; and (ii) the Seller/Courier has failed to refund You/send replacement Goods within 60 days of delivery. We will only provide coverage under this part 2. for any amounts You have not been able to or could reasonably recover under other applicable insurance or source. Under this part 2, Our indemnity is limited to a cash refund up to the purchase price and shipment costs of the Goods. The total refund paid to You will not exceed the limits stated under the Summary of Cover above.

Coverage under this section will only be provided if the date of purchase referenced above occurs during the Group Policy Period.

Exclusions specific to E-Commerce Purchase Protection

We shall not be liable to pay under this section for any claim, expenses or loss in connection with:

1. animals or plant life;

2. cash, bullion, negotiable instruments, shares, travelers cheques, or tickets of any description (including but not limited to tickets for sporting and entertainment events, and travel);

3. consumable or perishable items (including but not limited to food, flowers, drink, medicines, nutrition supplements, cosmetics);

4. motorised vehicles including but not limited to motorcycles or motor scooters, drones, watercraft/boat, aircraft, automobiles and any equipment and/or parts necessary for its operation and/or maintenance;

5. access to internet websites, mobile applications, software or data files downloaded off the internet including but not limited to music files, photos, reading material, books and movies; or reinstatement or recovery thereof;

6. services provided via the Internet such as cinema tickets, air tickets, hotel bookings, car rental or financial advice;

7. Goods purchased from a natural person either through a private transaction or an online auction website;

8. Counterfeit or fake goods;

9. loss or damage due to a Natural Catastrophe, atmospheric or climatic conditions, wear and tear, depreciation, gradual deterioration, water, pollution or contamination of any kind, manufacturing defects or inherent vice, vermin, insects, termites, mold, wet or dry rot, bacteria, rust, cleaning, servicing, maintenance, adjustment or repairs;

10. losses due to mechanical failure, electrical failure; software or data failure;

11. loss of data;

12. Goods purchased were damaged goods at the time of purchase;

13. permanent household and/or business fixtures, including but not limited to carpeting, flooring and/or tiling, air conditioners, refrigerators, or heaters;

14. Goods used for, or intended to be used for, commercial use including items purchased for re-sale or tools of trade or profession, retail and/or property rental, or other business purposes;

15. items that You have rent out, rented or leased;

16. items that were, at the time of purchase, used or second-hand, rebuilt, refurbished, or remanufactured;

17. hazardous materials;

18. art, antiques, firearms and Collectable Items;

19. furs, watches, jewelry, gems, fragile items, precious stones and articles made of or containing gold (or other precious metals and/or precious stones);

20. the costs or charges which do not relate to any e-commerce purchase, which You paid for using Your Eligible Card;

21. any fraudulent or willful act by You;

22. cosmetic damages which do not affect Goods’ intended functions;

23. Goods deemed to be illegal by local government authorities, and/or lawful confiscation of Goods by police, government agencies, courts or other empowered authorities;

24. losses due to war, invasion, act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion, uprising, military or usurped power, martial law, terrorism, riot or the act of any lawfully constituted authority or vandalism of any kind; or

25. losses due to, or related to, a nuclear, biological radiation or chemical event.

Conditions specific to E-Commerce Purchase Protection

The following conditions of coverage are applicable to this section:

1. the delivery address for the Goods must be Your address in the Territory as registered with the Issuer.

2. a shipment tracking number must have been assigned and provided by the Seller of the Goods or a designated Courier.

3. You must have informed the Seller in writing where applicable of the non-delivery of Goods or the fact that the Goods were damaged on delivery and demanded in writing replacement Goods or alternatively in a case where the Goods have not been delivered, a full refund.

4. in the event that a claim is submitted for improper functioning due to damage of delivered Goods- You shall, as soon as reasonably practicable, notify the Seller/Courier of the Goods and Us.

5. You will reasonably cooperate with Us and help Us to enforce any legal rights You or We may have in relation to Your claim.

6. in the event that a claim for non-delivery is paid to You, and the original Goods eventually arrive, You should pay back to Us any indemnity received by You from Us.

7. no Excess is payable by You.

B. PURCHASE PROTECTION

The Insurer will pay for loss of Goods due to Accidental Damage or Theft, occurring within one hundred eighty (180) days from the date of Your physical possession of the Goods up to the Per Occurrence Limit, and subject to the Annual Aggregate Limit and Excess per Eligible Cardholder as set out in the Summary of Cover section above. Goods including but not limited to:

1. Goods given as gifts;

2. Goods that are purchased on the internet;

3. Goods do not have to be registered with Us.

Coverage under this section will only be provided if the date of purchase referenced above occurs during the Group Policy Period.

Exclusions specific to Purchase Protection We shall not be liable to pay under this section for any claim, expenses or loss in connection with:

1. motorised vehicles including but not limited to motorcycles or motor scooters, drones, airplanes, watercraft/boats, automobiles and any equipment and/or parts necessary for its operation and/or maintenance;

2. permanent household and/or business fixtures, including but not limited to carpeting, flooring and/or tiling, air conditioners, refrigerators, or heaters;

3. travelers cheque(s), shares, cash, negotiable instruments, bullion, or tickets of any description (including but not limited to tickets for sporting and entertainment events, and travel);

4. art, antiques, firearms and Collectable Items;

5. furs, watches, jewelry, gems, fragile items, precious stones and articles made of or containing gold (or other precious metals and/or precious stones);

6. consumable or perishable items (including but not limited to food, flowers, drink, medicines, nutrition supplements, cosmetics);

7. plant life or animals;

8. any fraudulent or willful act by You or Your relative;

9. access to internet websites, mobile applications, software or data files downloaded from the internet including but not limited to music files, photos, reading materials, books and movies; or reinstatement or recovery thereof;

10. services provided via the Internet such as cinema tickets, air tickets, hotel bookings, car rental or financial advice;

11. counterfeit or fake goods;

12. items that were, at the time of purchase, used or second-hand, rebuilt, refurbished, or remanufactured;

13. losses occurring to item(s) You purchased online prior to Your taking possession of such item(s);

14. items rented out, rented or leased;

15. items used for, or intended to be used for, commercial use including items purchased for re-sale or tools of trade or profession, retail and/or property rental, or other business purposes;

16. services, shipping, handling, installation or assembly costs;

17. items left unattended in a place to which the general public has access;

18. items deemed to be illegal by local government authorities, and/or lawful confiscation of Goods by police, government agencies, courts or other empowered authorities;

19. cosmetic damages which do not affect Goods’ intended functions;

20. losses caused by abuse, misuse, alteration or willful damage;

21. losses due to mechanical failure, electrical failure; software or data failure;

22. loss or damage due to wear and tear, depreciation, gradual deterioration, water, pollution or contamination of any kind, vermin, insects, termites, mold, wet or dry rot, bacteria, rust;

23. Loss or damage due to manufacturing defects or inherent vice such as any defect in materials and/or workmanship and/ or design;

24. Loss or damage due to cleaning, servicing, maintenance, adjustment or repairs;

25. losses due to war, invasion, act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion, uprising, military or usurped power, martial law, terrorism, riot or the act of any lawfully constituted authority or vandalism of any kind; or

26. losses due to, or related to, a nuclear, biological radiation or chemical event.

Conditions specific to Purchase Protection

The following conditions of coverages are applicable to this section:

1. The Insurer will make a reasonable determination whether to have the item repaired or replaced, or to reimburse the original purchase price considering any rebates, discounts or rewards points in relation to the purchase of such item.

2. Goods that are a pair or a set will be limited to the cost of replacement of the specific item if replaceable; otherwise, the value of the pair or set will be covered but will not exceed the Per Occurrence Limit specified above.

3. Upon recovery of items that were lost as the result of Theft or replaced as the result of Accidental Damage, You should pay back to Us any indemnity received by You from Us.

4. No excess is payable by You.

V. DUTIES AFTER A LOSS

You are required to reasonably cooperate with Us in investigating, evaluating and settling a claim. In the event of any loss which may be covered under these coverages, You must contact Us as soon as reasonably practicable after the discovery of such loss. To file a claim,

You may log on to https://au.mycardbenefits.com or send a notification to Us to obtain a claim form and instructions on what to do after a loss.

Our contact details are set out below:

AIG Australia Limited
Level 19, 2 Park Street
Sydney, NSW 2000
Australia
Tel: +61395224111
Customer Service Timing: 8:30AM to 5:30PM, Monday to Friday
Email: APAC.Mastercard@aig.com

Duties after a Loss for each applicable Insurance Coverage:

E-Commerce Purchase Protection

The Cardholder must as soon as reasonably practicable:

1. complete, sign and return the claim form to Us* together with the Cardholder’s statement of account or copy of purchase receipt showing payment of the Goods which was made entirely with the Eligible Card; and

2. any other relevant document We may reasonably ask You to provide.

Purchase Protection

The Cardholder must as soon as reasonably practicable:

1. complete, sign and return the claim form to Us* together with:

a. the Cardholder's statement of account or copy of purchase receipt showing payment of the item was made entirely with the Eligible Card;

b. for Theft claims, official copies of the police report;

c. for Accidental Damage claims, official copies of the repair estimate; and

d. any other relevant document We may reasonably ask You to provide.

*Cardholders may be required to send in the damaged item(s), at their expense, for further evaluation of the claim.We will advise You as soon as reasonably practicable if this is required and We will also advise You as to the form conditions and requirements of delivery.

VI. LIMITS OF LIABILITY

Per Occurrence: Our liability for any one incident shall not exceed the limit stated in the section headed “Claim Amount and Excess” under Section II-Summary of Cover.

Annual Aggregate: The total of all benefits paid or payable while the Group Policy is in force in connection with any particular Coverage shall not exceed the limit stated in the section headed “Claim Amount and Excess” under Section II-Summary of Cover.

VII. GENERAL OBLIGATIONS FOLLOWING A LOSS

In the event of an occurrence that may lead to a claim or loss under the coverages set out above, You must:

1. take all reasonably practicable measures to prevent and avoid further loss or damage;

2. complete, sign and return the claims form within a reasonable time period together with copies of all reasonable proof of Your loss and other relevant documents such as relevant receipts, documents, letters, credit card statements together with accompanying documents and such details and written proof as may reasonably be required by Us;

3. disclose to Us details of any other insurance cover under which You are entitled to claim;

4. upon notifying Us of the claim You cannot make any admissions, offers, promises or payment, or conduct any negotiations, without Our prior written consent;

5. where reasonably necessary, grant authorization for Us to obtain Your records and other information, such as credit reports (if applicable);

6. provide Your financial reports, including, but not limited to bank statements, as reasonably necessary to assess Your claim;

7. reasonably co-operate with Us in investigating, evaluating and settling a claim; and

8. if the loss involved Theft, report of the theft to the police as soon as reasonably practicable.

VIII. GENERAL CONDITION

A. Disputes
Subject to the Complaints and Feedback section process outlined above, in the event of a dispute under the Group Policy, the parties agree to submit to the non-exclusive jurisdiction of the Courts of New South Wales.

B. Governing Law
The Group Policy and this coverage terms shall be governed by the laws of the state of New South Wales.

C. Loss Prevention
You must use all reasonable means to avoid future loss at and after the time of loss.

D. Sanctions
We shall not be deemed to provide cover and We shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose Us, its parent company or its ultimate controlling entity to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or the United States of America or the Commonwealth of Australia.

E. Transfer
The Policyholder or You may not transfer its interest in this insurance to anyone.

F. Cancellation
Subject to the obligations specified under Section I above, the Policyholder can cancel the Group Policy at any time by providing 15 days written notice to Us.

G. Changes
The Policyholder must notify Us as soon as reasonably practicable of any change in circumstance which will affect the Group Policy. If the Policyholder advises Us of any change in circumstance that will affect the Group Policy, We reserve the right to amend any of the terms and conditions of the Group Policy or these coverage terms following at least 15 days’ notice to You or the Policyholder by Us. No change or modification of the Group Policy or such terms shall be effective except when made by written endorsement signed by Our authorized representative.

H. Subrogation
If We settle any claim or payment or otherwise cover any loss applying under the Group Policy or these coverage terms, We shall be subrogated to all Your rights of recovery against any other person or persons and You shall complete, sign and deliver any documents necessary to secure such rights. You shall not take any action following a loss to prejudice such rights of subrogation.

I. Compliance
The benefits of the Group Policy or these coverage terms are subject always to Your compliance with the terms and conditions to each Group Policy section and these coverage terms.

J. Financial Claims Scheme
The protection provided under the Federal Government’s Financial Claims Scheme (“Scheme”) applies to the Group Policy and these coverage terms. In the unlikely event that We are unable to meet Our obligations under the insurance, persons entitled to make a claim under the insurance cover under the Group Policy may be entitled to payment under the Scheme (access to the Scheme is subject to eligibility criteria). Information about the Scheme can be obtained from the APRA website at https://www.fcs.gov.au.