Disclaimer

Terms of Use

Please read these Terms carefully before using this website.

Access and use of this website or accessing applications, tools, information, materials, products, services and content on this website (together ‘this website’) is subject to terms and conditions set out below.

By using this website or by providing TAL with your personal or sensitive information through this website, you enter into an agreement with TAL Life Limited (ABN 70 050 109 450 AFSL 237848) and its related bodies corporate (collectively “TAL”) and acknowledge and agree to be unconditionally bound by the terms and conditions set out below as amended from time to time (‘Terms’).

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 that you have been provided with sufficient notice of the amendment. 

If any of these Terms are found to be invalid or unenforceable at law, that invalidity or unenforceability will not affect the remainder of the Terms, which will continue in full force and effect and to which you will be bound.

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.

General advice

The information provided on this website is general advice only and does not take into account your individual needs, objectives or financial situation. Before you decide to buy an insurance product, you should read the relevant Product Disclosure Statement (PDS) available from TAL Life Limited (TAL). The PDS contains important information which will help you understand the relevant insurance product, including what's covered and what's not covered and can help you decide whether the product is appropriate for you. The Target Market Determination (TMD) for the relevant product, where applicable, is also available.

TAL strongly recommends that you read the relevant PDS (available from TAL) and you seek professional advice based on your personal circumstances before deciding whether any of the products or services detailed on this website are suitable for you.

The general advice on the website is provided by TAL.  When you speak to one of our representatives on the phone or webchat about TAL products you are speaking to a representative of TAL Direct Pty Limited who is authorised to provide general advice to you.

Product and other information

This website contains information about TAL products and services. Unless expressly stated otherwise, this information does not constitute an offer or inducement to enter into a legally binding contract and 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 decision to acquire, continue to hold, vary, or to dispose of, any TAL 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.

From time to time, TAL may publish wellbeing, health, fitness, financial and other tips and other information for the benefit of users of the Website. These materials are intended for information purposes only, are summaries, and are not substitutes for legal or other professional (such as medical, taxation or financial planning) advice. To the fullest extent permitted by law, reliance on the contents is at your own risk, and you should always seek professional advice before acting on any of the information. Further, certain information on the website may include the views or recommendations of third parties, which do not necessarily reflect our views, or indicate our commitment to a particular course of action.

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.

Website

To the fullest extent permissible by law the content, including the software, tools, calculators, news and insights, general information, documents or applications (collectively "Materials") on this website are provided as is and without warranty of any kind (either express or implied). TAL does not warrant that the website or its Materials will be error and/or omission free or provided uninterrupted. Nor will TAL be liable for errors and/or omissions or interruptions to the website or for loss or damage suffered as a result of reliance on any Materials available on this website.

To the fullest extent permissible by law, TAL specifically disclaims and excludes any and all liability that may arise for direct, indirect, incidental, consequential, loss of profit or special damages that may arise from the access to, reliance on and/or use of this website or the Materials thereof.

You acknowledge and agree that you access and use this website at your own risk.

Slice of Life blog

The contents of the Slice of life pages of the website are current at the date of publication set out on the relevant page and are for reference purposes only. The contents of those pages do not constitute legal or financial advice and should not be relied upon as such. Specific legal advice or financial about your specific personal circumstances should always be sought separately before taking any action based on these publications.

Intellectual property rights

All material available through this website is owned by or licensed to TAL and is protected by intellectual property rights. TAL reserves all rights, including intellectual property rights, trademarks, service marks, trade names, company names, logos, slogans, copyrights, domain names, patents, design rights, utility models, database rights, know-how, trade secrets and all other intellectual or industrial property rights including, where such rights are obtained or enhanced by registration, any registration of such rights (including the right to apply for such registrations) and applications therefore (including the right to claim priority), text, collations, images, logos, source code and data relating to this website.

Other than as expressly set out in these Terms and except as permitted by applicable law, nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any such intellectual property rights without the express written permission of TAL or the relevant licensors or owners of such intellectual property rights.

You agree not to access, download or otherwise use any material on this website in any way not expressly authorised by us. 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. 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.

Licenses

TAL grants you a non-exclusive, limited and personal license to download and use any Materials on this website for your own personal, non-commercial use only. No other rights to the Materials are granted by TAL to you. All rights including intellectual property rights in the Materials on this website remain the property of TAL or the relevant licensors or owners of the Materials and, except as permitted by law, you may not reverse engineer, decompile, modify or tamper with the Materials.

Copyright and trademarks

Copyright in the materials on this website is owned or licensed by TAL. Except where necessary for and incidental to viewing or using this website via your web-enabled browser (whether on a personal computer or on a portable electronic device), or as permitted under the Copyright Act 1968 or other applicable laws, no Materials may be reproduced, stored (for any period of time) in an electronic or other retrieval system, adapted, uploaded to a third party location, framed, performed in public or transmitted in any form by any process whatsoever without the specific written consent of us. We and each of our related bodies corporate separately reserve their intellectual property rights and all other legal rights with respect to their trademarks, whether registered or otherwise. Third party trademarks are trademarks of the respective third parties. 

Tools, calculators and other features

This website may contain or make available various tools, calculation devices, software programs or other features which may assist you in calculating such things as indicative levels of life insurance cover and insurance premiums. This website may also contain other useful information, such as information about different insurance product types, claims stories, medical research findings and relevant insurance industry information, reforms and trends. Whilst we have undertaken reasonable steps to ensure that any such features or information as described above are accurate and free from defect, we do not warrant the accuracy, adequacy, correctness or completeness of these features, which are provided on an "as is" basis. The use by you of any of these features or any information provided is entirely at your own risk. The monetary figures used by any of these features in any calculations are estimates only and do not take account of your particular circumstances.

Calculators and other devices which may assist you in selecting insurance for your objectives, financial situation and needs that are or may be provided on this website from time to time only provide general advice. Assumptions and limitations apply to the figures that they produce. Use of these calculators and other devices is at your own risk and you should always consider whether the figures that they produce are appropriate for you, having regard to your objectives, financial situation, and needs.

Electronic disclosure and communication

• in the case of disclosure documents: by notifying you that you can access the relevant document at a specified page on this website or by clicking a hyperlink provided to you on this website or in an email or a text message that we send to your nominated email address or mobile telephone number.
• in the case of communications: by email or text message to your nominated email address or mobile telephone number. 

By accessing and using this website, you agree to disclosure and communication in the manner described above unless you expressly inform us that you require disclosure documents and 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 using the contact details below:

Post: Reply Paid GPO Box 5380, Sydney NSW 2001
Phone: Customer Service 1800 101 016Email: customerservice@tal.com.au

Warranties

Whilst reasonable steps have been undertaken to ensure that information 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, title and non-infringement of third party rights.
• 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. 

Nothing on this website shall constitute or be construed as legal liability, undertaking or admission by TAL in anyway. TAL cannot guarantee correctness, accuracy, reliability, adequacy, completeness or otherwise of the information and/or Materials presented on this website and such information and/or aterials is subject to change without notice and may not be up to date.

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, any systems, tools, calculators, 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 (includingTAL’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 or the payment of the cost of having the services supplied 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.

Links

Links from this website to pages on any other website are provided for your convenience only and do not constitute a recommendation or endorsement by TAL of the content of those pages. Use of these links is at your own risk. TAL does not control and is not responsible for any information or material found on those linked pages, or any website of which they form a part and TAL does not endorse any views or recommendations of third parties included or referred to in any of the information on this website. Third Party Sites should contain their own privacy statements and those third parties are responsible for informing you about their security and privacy practices.

You are not authorised to establish a link to this website or use a TAL owned logo or trademark without our prior express written permission.

Licence and registration numbers

TAL Life Limited ABN 70 050 109 450 AFSL 237848

• Issuer, insurer and administrator of TAL’s life insurance and investment policies
• Insurer and administrator of TAL’s superannuation policies

Mercer Superannuation (Australia) Limited ABN 79 004 717 533 AFSL 235906

• Trustee of TAL Super, a plan within the Retail Division in the Mercer Super Trust ABN 19 905 422 981. TAL Super Provides members with access to TAL life insurance policies through superannuation

TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243 260

• Provides general advice on life risk and superannuation
• Deals in life risk and superannuation products

Your Information

Personal and sensitive information (‘personal information’) is 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, such as during the underwriting assessment, if you want to make alterations to your TAL Insurance policy, or when you make a claim. TAL and is bound by current Australian Privacy Legislation including the Privacy Act 1988 (Cth) and the 13 Australian Privacy Principles. Their information handling practices are explained in our Privacy Policy which explains 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 for these type of enquiries and is available on this website. 

Social Media Community Guidelines

We have created our TAL social pages to help you engage with TAL. Posting on our pages is at the discretion of TAL and posts are moderated. We may remove anything that we consider be inappropriate or offensive.

Please see here for the full outline of TAL’s Social Media Community Guidelines.

DATE LAST UPDATED: 21 June 2023