[PDF] Top 20 Home Loan Protection. Protect what s close to home. Combined Financial Services Guide and Product Disclosure Statement including policy terms.

... of disclosure and the insurer would not have entered into the contract on any terms if the failure had not occurred, the insurer may avoid the contract within three years of entering into ... See full document

... Virginia Surety Company, Inc is bound by the National Privacy Principles contained in the Privacy Act 1988. By submitting a proposal, You will be supplying Us with personal information. We collect this information so ... See full document

... – including retirement, resignation, coming to the end of a fixed term employment contract or agreed seasonal period, pre-existing illnesses and the symptoms of normal ... See full document

... If you would like to make a complaint or access our internal dispute resolution service please contact your nearest QBE office and ask to speak to a dispute resolution specialist. If you are not happy with our answer, or ... See full document

... To determine if the seller paid a buyer-broker fee in addition to the normal sales commission for the market, the lender must obtain a copy of the original listing agreement, and compare it with the HUD-1 Settlement ... See full document

... this policy insures your building, we also cover you (and certain other persons we specify) as an owner or occupier against legal liability for accidental death or bodily injury to certain other persons as well as ... See full document

... the financial planning process, we need to collect information about ...and financial situation, so our recommendations may not be completely appropriate or suitable for ... See full document

... your policy we may take into account information provided to us on aspects of that ...the policy if you have applied online, other than where you have applied through NetBank where this view will be based ... See full document

... the financial institution identified below subject to the terms and conditions of the Direct Debit Authority Service Agreement (and any further instructions provided ... See full document

... the Loan) means a final loan repayment that is significantly larger than all the other loan repayments that make up the total of the Finance ... See full document

... the policy, when you make certain changes to your policy and when we offer to renew your ...Fire Services Levy (FSL) and State Emergency Service Levy as ... See full document

... This Product Disclosure Statement (PDS) is an important legal document that contains details of the home and contents insurance. Before you decide to buy insurance from us, please read this ... See full document

... The primary purpose for our collection and use of your personal information is to enable us to provide insurance services to you. We may disclose your personal information to third parties who assist us in ... See full document

... If the matter is not resolved to your satisfaction, then it will be referred to the Executive General Manager. You will be sent our final decision in writing within 15 business days from the date you first made your ... See full document

... use of force or violence and/or the threat thereof. Furthermore, the perpetrators of Terrorist Activity can either be acting alone or on behalf of or in connection with any organization(s) or government(s). ... See full document

... The Disability Benefit, Activities of Daily Living Benefit and Waiver of Premium Option will not be payable in the event of attempted suicide, self-inflicted Sickness or Injury or participation in insurrection. No ... See full document

... PI policy you may wish to purchase a run-off ...medical services were actually provided. The policy will not provide this ...run-off policy which provides ongoing protection for you or ... See full document

... An excess is the amount you pay when you make a claim on your policy. The amount and type of excess that may apply to your policy is shown on your current schedule and in this PDS. In most instances you can ... See full document

... paint protection – panel/rust protection – pinstriping/ decals – protective mouldings – rear louve sunshade – registration plate covers – ring feeder – seat covers – side steps for a 4WD – sleeping box – ... See full document

... Pays you $5,000 if you or any person covered by your membership suffers an accident that requires surgery in an operating theatre within six months of the date of the accident. You also receive $5,000 for malignant ... See full document