Disclosure Information
Annual Capital Adequacy Reporting
To protect the interests of policy owners, APRA issues Prudential Standards with which life and
general insurance companies must comply. These standards require a life or general insurer to
maintain adequate capital against the risks associated with its activities.
The standards also require Hallmark Insurance to publish certain financial information about its
capital position, as contained in the Hallmark Insurance Capital Adequacy report.
Website Content and Liability
While we use reasonable commercial endeavours, we do not warrant, guarantee or represent
that the information on our websites is or will be free from errors or omissions or is suitable for
your intended use. Subject to any terms implied by law and which cannot be excluded, we
accept no responsibility for any loss, damage, cost or expense (whether direct or indirect)
incurred by you as a result of any error, omission, statement, representation or opinion that the
website may contain.
We do not guarantee that any files downloaded by you will be free of viruses, worms or other
destructive programmes and accept no responsibility for any loss occasioned by you as a result
of such a programme or download process. You are responsible for installing appropriate
software and taking other measures in order to minimise any loss suffered as a result of a
destructive programme.
Website Modifications
Hallmark Insurance has taken reasonable care in creating this website and will endeavour to keep it current. Accordingly, we reserve the right to modify this website at any time and without prior notice. You should always confirm that offers, rates, terms and conditions, information and all other notices on this website are still valid at later dates.
Links to Other Websites
This website may contain links to websites operated by third parties. Any such links are for your convenience only. Hallmark Insurance does not endorse or approve of these other websites or the information and materials on those websites; and accepts no responsibility or liability in any way for such linked websites.
Copyright
The material on this website is copyrighted by Hallmark Insurance. Other than for the purposes and subject to the conditions prescribed under the Copyright Act 1968 (Cth), no part of this website may be reproduced, uploaded to a third party, linked to, framed, stored in a retrieval system or transmitted in any form or by any means (including but not limited to electronic, mechanical, micro-copying, photocopying, recording, or otherwise) without prior written permission of Hallmark Insurance.
Our Liability and Your Indemnity
Subject to any liability implied by law which cannot be excluded, Hallmark Insurance is not
liable to you or any person claiming through you for any losses, damages, liabilities, claims and
expenses whatsoever arising directly or indirectly from this website, including from any of the
information, materials or services provided on or through this website. Where liability cannot by
law be excluded or reduced, Hallmark Insurance liability is limited, to the extent possible, to the
supply of the services again, or the payment of the cost of having the services supplied again,
or, if such re-supply is not practicable, then our maximum liability to you is $100 per incident
(with all related events deemed to be the one incident).
You agree to indemnify and keep indemnified Hallmark Insurance and its directors, officers,
employees, agents and consultants against any loss, liability, damage arising (whether in
contract, tort, under statute or otherwise) and related costs and expenses (including legal costs
on a solicitor own client basis) directly or indirectly, as a result of or in connection with your
use
of our website, or information or services contained on our website, and/or your breach of these
terms and conditions or from any wrongful actions or omissions of you or any other person
claiming through you.
Target Market Determinations
Hallmark Insurance’s Target Market Determination’s are available for the following products: