Terms and Conditions

General Product Information

The insurance product and premium information contained on this website is of a general nature only and does not take into consideration your objectives, financial situation or needs. Readers should consider this information having regard to your objectives, financial situation and needs. People who seek to replace an existing life insurance policy should consider their circumstances including continuing the existing cover until the replacement policy is issued and cover confirmed.

Readers may contact NobleOak for further general information and a premium quotation and to apply for cover. NobleOak cannot provide readers with advice but our staff may provide general information about the NobleOak life insurance product. Readers should also consider the Product Disclosure Statement (PDS) for the product they are considering which is available on this website. The PDS sets out the terms and conditions for the insurance cover and consider whether this product is right for you. This is available by calling NobleOak on 1300 041 494 or from www.nobleoak.com.au.

Other information contained on this website such as medical information is of a general nature only. Readers should always consult a health professional for advice in respect of their personal circumstances.

The taxation considerations contained on this website are based on present laws and the continuation of these laws.

NobleOak Website

The www.nobleaok.com.au website (“NobleOak Website”) is owned by NobleOak Life Limited (NobleOak) ABN 85 087 648 708 AFS Licence AFSL 247302 Level 7, 66 Clarence Street Sydney NSW 2000. Access to the NobleOak Website is subject to these Terms and Conditions which include any other notes, disclaimers and other terms and conditions. By using or accessing the NobleOak Website you agree to be subject to the Terms and Conditions.

These Terms and Conditions may be modified at any time by NobleOak. You agree to be bound by these Terms and Conditions as modified and appearing within the NobleOak website.

Access for Australian Residents within Australia Only

This NobleOak Website is only for the use of persons accessing it from within Australia. The products and services described in this website are available for Australian citizens and residents of Australia.

Disclaimer and Limitation of Liability

To the maximum extent permitted by law, NobleOak, its employees, officers and contractors and its controlled entities hereby exclude all liability for, and shall not be responsible for, any direct, indirect, incidental, consequential or other loss or damage (however arising) suffered or incurred by you as a result of:

• use of, reliance on or access to the NobleOak Website including any of the material or information on it; and/or
• use of any calculators, items or material sourced or obtained through the NobleOak website.

Further, no express or implied representation or warranty is made as to the suitability, accuracy or currency of any material on the NobleOak website.

Copyright, Intellectual Property and Links

No part of the NobleOak website or the material in it may be reproduced, extracted, published or distributed (unless specifically authorised by applicable law) without written permission of NobleOak. Copyright in Website content is owned by us unless otherwise indicated. Intellectual property rights in our logos and trademarks remains vested in NobleOak and you do not acquire any such rights in our logos or trademarks by virtue of your access or use of the NobleOak website.

You are not authorised to provide any web or other links to this NobleOak website without prior written permission from NobleOak. This Website may from time to time contain links to other websites (“sites”). Unless otherwise stated, NobleOak does not endorse the content in any other sites nor the organisation or entity providing the site. NobleOak does not accept any liability whatsoever in connection with your access to any site or use of information on any such site. NobleOak does not represent that material on any linked site does not infringe the intellectual property rights of a third party.

General Conditions

You are not permitted to access or use this website for any unlawful purpose. This NobleOak website and these Terms and Conditions are governed by the laws of the State of New South Wales and the Commonwealth of Australia, and any disputes arising from use of or access to the NobleOak Website or in connection with these Terms and Conditions are governed exclusively by the jurisdiction of the courts of that State or the Commonwealth as the case may be. If any of these Terms and Conditions are found by a competent court to be invalid, unenforceable or illegal for any reason, such provisions shall be severed and the remaining Terms and Conditions will continue in full force and effect.

Privacy

Please view our Privacy Policy for full details on how we handle your personal information.