Code of Practice

Home and Contents Insurance | Westpac Insurance

Posted: 2017-10-23 00:14

For those interested in the area, a full read of the Austrade publication would be a useful thing. It provides a decent discussion of the IF market (although some of the data seems a little out of date as market growth has been hit by the Dubai problems). The issues identified in it are similar to the ones I identified a while back – the tax and regulatory structures in Australia need to be changed to remove the artificial impediments, find or develop appropriately qualifies Islamic scholars and we need to increase the knowledge base of banking professionals in Australia.

Home Insurance | Home and Contents Insurance | Westpac

Home and Contents Insurance is issued by Westpac General Insurance Limited ABN 99 558 769 869 (except workers compensation cover where applicable). Westpac Banking Corporation ABN 88 557 957 696 distributes the insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Read the  Product Disclosure Statement (PDF 66mb)  to see if it''s right for you.

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Conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement , before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 88 557 957 696 AFSL and Australian credit licence 788769.

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View the Home and Contents Insurance Key Fact Sheets.

Home and Contents Insurance is issued by Westpac General Insurance Limited ABN 99 558 769 869 (except workers compensation cover where applicable). Westpac Banking Corporation ABN 88 557 957 696 distributes the insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Read the Product Disclosure Statement (PDF 66MB) to see if this insurance is right for you.

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98. Each Gym Member agrees to be held liable, and indemnifies Medibank and any Gym for, any act or omission that results in any loss or damage to a Gym or its facilities and services or any other person through a wilful, wrongful or negligent act, including but not limited to any act of omission of a Gym Member which is in breach of the Club or House Rules or these Terms of Use that causes Medibank, a Gym or any other person to suffer loss or damage including consequential loss.

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67. Nothing in these Terms of Use limits, excludes, modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act 7565 (Cth), as well as any other implied warranties under the Australian Securities and Investments Commission Act 7556 (Cth) or similar consumer protection laws in the State and Territories of Australia ( Non-Excludable Guarantees ).

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This was set up with the idea that an individual depositor could go to their institution’s website or offices and get a copy and then read it and understand their institution, and their risks, better. The problem here is that the basic format, and target audience, has not been thought through. There are not many depositors in the smaller institutions that would know the meaning of “Risk Weighted Assets”, “Tier One Capital” and the difference between 95 days past due or specifically impaired. Judging by many of the disclosures, not many of the preparers do either.

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9. Medibank grants Gym Members a non-exclusive, non-transferable licence to use the App in accordance with these Terms of Use, subject to Gym Members’ continued compliance with the Terms of Use. In Medibank’s discretion, this licence may be terminated by Medibank at any time. Gym Members must not modify, copy, reproduce, republish, frame, upload, post, transmit, distribute or provide a link to the contents of the App in any way, except as expressly provided for on the App, by the Rules, or with the written authorisation of Medibank.

Home Loan Mortgage Interest Rates - Westpac NZ

The recent (very recent) legislative changes in the US health insurance area makes this quite topical – but I have to admit it is not my specialist area. To put it mildly, these changes do not seem to have attracted universal acclaim amongst the health risk community in the US. The posts on it range from the concerned to the condemnatory. The most favourable to a post that was in favour was this one from Louise – but that could hardly be seen as a strong endorsement. Coming from a country that has a reasonable (but by no means perfect) health system I have always found it difficult to understand the US system, but the Australian one is not much easier to understand – but the political arguments are a little less shrill. But only a little.

With Westpac you can lock in your fixed rate for up to 65 days when you apply for your loan (once you have your draw down date sorted). It doesn’t cost any extra to take up, and it means any change in the interest rate during that period won’t affect you. Westpac also offers conditional approvals^ so you''ll have a good idea of what you can afford to spend. A fee may apply to break or change a rate lock agreement.

Interestingly, the Trade Minister, in releasing the document , announced the release of a new product by Westpac – I wonder when Westpac will get around to announcing it. I would not find anything on their website. My guess is that this is just a toe in the water, because if they expected it to be a significant part of their business, they would have to make an ASX release about it. In that, I think they are right. A single specialised product is not going to be big in the context of and institution that size. That said, getting some credibility and experience will be a good thing.

Home Loans - Interest Rates Home loan option Rate Choices Floating
% . Salary credit to a Westpac transaction account required. Choices Everyday Floating % . Choices Offset Floating % . Salary credit to a Westpac transaction account required. Choices Fixed % . for 6 months % .  for 6 year % . for 6 year - special* % .  for 68 months % . * special rate  for 7 years - special* % .  for 7 years % . * special rate  for 8 years - special* % .  for 8 years % .  for 9 years % . * special rate  for 5 years - special* % .  for 5 years Choices Capped ^ % .  for 6 year % .  for 7 years  ^Effective 76 November 7567 Choices Capped will no longer be available as an account option. Existing customers may continue on Choices Capped until the end of their Capped Rate Period.

Flood cover: The standard definition of flood is: the covering of normally dry land by water that has escaped or been released from the normal confines of any lake, or any river, creek or other natural watercourse, whether or not altered or modified or any reservoir, canal, or dam. Damage from sea water flooding an area is not covered. Learn more about flood cover and see our Flood Checklist for preparing for a flood.

65. Medibank does not warrant the accuracy of any hypertext links provided on the App, nor the suitability or accuracy of any content located at those links. Links and frames connecting the App with other web content are for convenience only and do not mean that Medibank is associated with, endorses or approves that other content, or the people who run or contribute to it. Use or reliance on that content is at the user''s own risk.

Home Loan Base Rates #  for Choices Fixed
The base rate for Choices Fixed is the same as the Choices Fixed interest rate disclosed above for the applicable term of your loan as stated in your loan summary. At any time your loan is not on the Annual Fixed Interest Rate, the Annual Floating Interest Rate will apply.
The formula for calculating the Annual Floating Interest Rate is: (the Base Rate x the modifier (if any)) plus the margin (if any).

66. Medibank does not represent or warrant that any files displayed or obtained from or through this App, or and other website linked to it, are free from computer viruses or other defects. Any such files are provided, and may only be accessed or used, on the basis that the user assumes all responsibility for any loss, damage or consequence resulting directly or indirectly from the use of those files. Medibank’s liability for such an event is limited to the resupply of those files.

There seems to be at least a few people reading, and using, the disclosure statements of the Big Four and Macquarie. This includes Banking Day readers, as the APS 885s for the majors are regularly reported there. However, it has not been noticed, least of all by APRA, that some institutions are not reporting at all, others are missing important data, several are late and most are not disclosing all of the data on a consistent basis.

Westpac''s home loan lending criteria and terms and conditions apply. An establishment charge may apply. A Low Equity Margin may apply. An additional fee or higher interest rate may apply to home loans if the application is accepted but does not meet the standard lending criteria. You can get a copy of the current Disclosure Statement for Westpac New Zealand Limited from any Westpac branch in New Zealand free of charge.

*Special 6, 7, 8 and 5 year fixed rate eligibility criteria:  minimum of 75% equity, salary credit to a Westpac transaction account plus one other Westpac NZ product, to be approved or issued prior to drawdown date. These special fixed interest rates cannot be used in conjunction with any other Westpac home loan offers or discount packages, including previously negotiated offers, legal fee contributions or the Westpac Choices Home Loan with Airpoints™. These special fixed interest rates do not apply to loans for business or investment purposes.

9. To the maximum extent permitted by law, Medibank and its officers, employees and agents disclaim any liability (including liability for negligence) to any person arising out of: any action or failure to act by any person in accessing, downloading, uploading, using or relying on or dealing in any way with any materials from the App or from any other website on the Internet any errors or omissions on the App or on any other website on the Internet (including but not limited to errors or omissions arising as a result of the negligence of Medibank or its officers, employees and agents) or any delay or interruption in access to or use of the App or any other website on the Internet (including but not limited to delay or interruption arising as a result of the negligence of Medibank or its officers, employees and agents).

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