IMPORTANT
This document sets out the terms and conditions of your Membership under which Secure Sentinel Pty Ltd ABN 53 054 235 157 agrees to provide the Services to you. By enrolling to become and by remaining a Member, you agree to abide by these terms and conditions. If you do not agree to abide by these terms and conditions you must notify us immediately and we will cancel your Membership.

If you cancel your Membership within 30 days of payment of your Membership Fee you will receive a full refund. (Refer to Section 12 - Membership Cancellation). If you have any questions about these terms and conditions or no longer wish to use our Services, please notify us immediately.

1. INTRODUCTION
Secure Sentinel offers three Membership Options - SecurePlus, SecureCard (Not available to new members) or SecureLite (Only available through selected financial institutions).

Please refer to the Table of Benefits listed at the bottom of this page , which shows the Services provided with each Membership Option.

Within each Membership Option, there are two Membership Types - either Individual or Family/Household. If we accept you for Membership we will issue you with a unique Membership number that is the main form of Member identification.

The following terms and conditions govern the way we provide our Services to you.


2. DEFINITIONS
As you read the terms and conditions, these words will have the following meanings:

Additional Member means those persons notified by a Primary Member and Registered by us to receive the Services as part of a Family/Household Membership. An Additional Member can be any person who permanently resides at the same residential address as the Primary Member.

Card means a Protected Card.

Card Issuer means the issuer of the relevant Card.

Family/Household Member means a Primary Member and all Additional Members registered to receive the Services in accordance with the Table of Benefits.

Individual Member means a Member, not being a Family/Household Member, who is registered to receive the Services as shown in the Table of Benefits.

Loss Report means the record that we keep in your Membership File of a notification by you, your Family/Household Member (if you have Family/Household Membership) or a person who is acting for or on behalf of you or your Family/Household Member with our approval, that one or more protected items, luggage or keys have been lost or stolen.

Member means a person who is eligible to become and who has become a Member in accordance with clause 4 of these terms and conditions.

Membership means the act of being a Member.

Membership Fee means the annual fee payable to us for Membership which is determined by the Membership Option and Membership Type applicable to you.

Membership File means the file we maintain containing your personal details and any other information that you have notified us of, in connection with your Membership. Your Membership File includes details of the Membership Option and Membership Type applicable to you, as well as any Loss Report(s).

Membership Option means a Membership under the terms of either the SecurePlus, SecureCard or SecureLite product. The Table of Benefits show the Services provided with each Membership Option.

Mobile Phone Service Provider means the Australian or New Zealand company or network recorded in your Membership File as the provider of the mobile phone connection and related services for a Protected Mobile Phone.

Membership Type means either an Individual or Family/Household Membership as selected by you, which is provided with the Membership Option applicable to you.

Primary Member means a Member, not being an Individual Member, in whose name a Family/Household Membership is issued.

Protected Card means any credit, debit, charge, petrol, store, membership or other similar card issued in Australia or New Zealand that we are able to cancel on your behalf and that has been Registered.

Protected Mobile Phone means a mobile phone, details of which are registered in your Membership File.

Protected Passport means an Australian passport that we are able to report lost or stolen on your behalf and that has been Registered.

Registered means any item or document recorded in your Membership File or notified to us to be recorded in your Membership File in accordance with these terms and conditions.

Restricted Membership means the Service provided to Members who take up temporary or non-permanent residence in any country except Australia or New Zealand (see Clause 13). If a Restricted Membership applies, only the following Services will be provided under the SecurePlus Membership Option:

• Card Cancellation;
• Change of Address (Australia and New Zealand addresses only);
• Emergency Cash Advance (must be over 100kms from overseas residence);
• Luggage Retrieval;
• Mobile Phone Protection Service (Only if Australian or New Zealand service provider);
• Registration of important documents and valuables; and
• Passport registration and expiry reminder service.

If a Restricted Membership applies, only the following Services will be provided under the SecureCard Membership Option:

• Card Cancellation;
• Change of Address (Australia and New Zealand addresses only);
• Emergency Cash Advance.

Note: Restricted membership is not available to SecureLite members.

Services means the services outlined in the Table of Benefits and section 5, but which are specific to the applicable Member Option and Member Type chosen by you.

Table of Benefits means the tables that set out the Services that are provided for each Member Option and Member Type and any limitations applicable to them.

Welcome Kit means the package that contains amongst other things, these terms and conditions, applicable Table of Benefits, 'at a glance' flyer and other items specific to your Membership.

Welcome Letter means the introductory letter we send you following your application to become a Member. The words 'you' or 'your' refer to a Member and, if the context permits, a Family/Household Member.

The words 'we', 'us' or 'our' refer to Secure Sentinel Pty Ltd ABN 53 054 235 157.

3. ELIGIBILITY FOR MEMBERSHIP
To be eligible for new Membership you must reside permanently in Australia or New Zealand and must have a postal address in Australia or New Zealand. In order for you to become a Member, we must have received your Membership Fee and have accepted your application for Membership.

4. MEMBERSHIP TYPES

4.1 Membership Types
Following is information about the two Membership Types we offer - Individual or Family/Household.

4.1.1 Individual Membership
If you have Individual Membership with us, you will be entitled to receive the Services shown in the Table of Benefits applicable to the Membership Option you have selected, under the column headed 'Individual'. All Registered and Protected items must belong to you and be in your name or the name of the company for whom you work.

4.1.2 Family/Household Membership
If you have Family/Household Membership with us, you and your Family/Household Members will be entitled to receive the Services shown in the Table of Benefits applicable to the Membership Option you have selected, under the column headed 'Family/Household', subject to your Family/Household Members being bound by these terms and conditions. Each of your Family/Household Members will cease to be entitled to receive the Services when you cease being a Member.

All Registered items must belong to you or one of your Family/Household Members and, in the case of a Card or registered Mobile Phone, be in your name, the name of the company for whom you work or in the name of one of your Family/Household Members.

One Membership number will be allocated to the Primary Member and all additional persons registered in a Family/ Household Membership. Each Membership will receive one Welcome Kit only, regardless of whether the Membership is Individual or Family/Household.

4.2 Additional Cover
For an additional Membership Fee, you may upgrade your:

• Membership Option from SecureLite, SecureCard to Secure Plus; or
• Membership Type from Individual to Family/Household.

You may downgrade your:

• Membership Type from Family/Household to Individual, however no pro rata refund for Membership Fees will apply during the remaining Membership period.

(a) Additional Cards
You may register additional cards by paying an additional fee as outlined in the Table of Benefits.
(b) Additional Mobile Phone Cover
You may register additional mobile phones by paying an additional fee as outlined in the Table of Benefits.
(c) Additional Key Tags
You may obtain additional key tags, by paying an additional fee as outlined in the Table of Benefits.
(d) Additional Luggage Tags
You may obtain additional luggage tags, by paying an additional fee as outlined in the Table of Benefits.


5. MEMBERSHIP SERVICES
This section provides further detail, including any limitations, about the Services we offer. The Table of Benefits shows the Services that are provided in accordance with the membership Option and Membership Type selected.

5.1.1 Card Cancellation and Replacement Service (SecureCard^TM)
When you become a Member, we will ask you to supply us with the details of:
(a) your Card to be Registered where you have an Individual Membership; and
(b) Cards issued in the name of Family/Household Members, where you have Family/Household Membership, up to the applicable registrable card limit as shown in the applicable Table of Benefits.

(a) We may not agree to register all cards
Not all Cards are eligible for registration, depending upon the arrangements we have with particular Card Issuers. We will advise you if a Card is not eligible for registration when you ask us to Register the Card.

(b) We may not agree to Register Cards issued in a country other than Australia or New Zealand.
Only Cards issued in Australia or New Zealand are eligible to be Registered. At our discretion, we may agree to Register details of Cards issued elsewhere. If we agree to Register the details of a Card issued outside Australia or New Zealand, our only responsibility will be to use our reasonable endeavours to arrange for the cancellation of the Card after we have been notified that it has been lost or stolen. If we Register a Card which we believe to be issued in Australia or New Zealand, and it subsequently turns out not to be issued in Australia or New Zealand, then our only responsibility, from the time the Card was Registered, will be to use our reasonable endeavours to arrange for the cancellation of the Card after we have been notified that it has been lost or stolen.

We will not be responsible for debts incurred in connection with a Card issued outside Australia or New Zealand or for any other losses suffered in connection with such Card, except and only to the extent that such losses were caused by our being in default of these terms and conditions or by our negligence. We will not arrange for the replacement of lost or stolen Cards issued outside Australia or New Zealand. Certain Card issuers may require card owners to notify them of the loss of a Card directly. We will advise you when you notify us of a loss, if this is the case.

(c) Secure Sentinel Labels attached to Registered Cards
We have provided labels in your Welcome Kit that should be affixed to each Card, so that anyone who comes in contact with a lost or stolen Card bearing the label can contact us using the details printed on the label. Should your Card be returned to us, we will use our best efforts to return the Card to you or if relevant, your Family/Household Member.

(d) Notification of lost or stolen Cards
We will not accept notification of a lost or stolen Card by post, facsimile or e-mail. You must notify us by phone that a Card has been lost or stolen as soon as practicable after becoming aware of the loss or theft.

(e) Cancellation of Cards and Issue of Replacement Cards
After we have been notified that a Protected Card has been lost or stolen, we will report the loss or theft to the relevant Card Issuer and will ask the Card Issuer to cancel the Protected Card and to issue a replacement Card (where the issuer's processes permit this).

Some Card Issuers may not agree to cancel or reissue a Card unless they have been asked to do so by you. We will notify you (at the time the loss report is made) of the details of any Registered Cards where we cannot arrange cancellation or replacement and advise you to contact the relevant Card Issuer to arrange for the cancellation and replacement of that Card.

We will send you written confirmation of Cards that have been cancelled by us. In special circumstances and at our discretion, we may agree to attempt to arrange for the cancellation and replacement of Cards that are not Registered. At the time that you notify us that an unregistered Card has been lost or stolen, we may ask you to provide us with as much information as possible about the card and the circumstances surrounding the loss or theft. However, we do not accept any responsibility or liability whatsoever in respect of unregistered Cards, except and only to the extent that such losses were caused by our being in default of these terms and conditions or by our negligence.

(f) Liability for unauthorised or fraudulent use of Cards
From the time Secure Sentinel is notified by phone that a Card has been lost or stolen, until we notify the Card Issuer, we will be responsible for fraudulent or unauthorised charges made using the Card.

If:

• fraudulent or unauthorised charges are made using a Card in the time between when a Loss Report is completed and the time that we notify the relevant Card Issuer that the Card has been lost or stolen; and
• the Card Issuer has not credited the Card with the full amount of those fraudulent or unauthorised charges, following the completion of any investigation into the loss or theft by the Card Issuer, then subject to your approval, we will make arrangements for the Card to be credited with the amount of such fraudulent or unauthorised charges. Except as expressly set out in these terms and conditions, we will not be liable for any consequential or other loss or damage that may arise directly or indirectly in connection with a Card, or in particular but without limitation, loss that may be suffered as a result of a lost or disclosed personal identification number (PIN) or if the Card is left unsigned.

5.1.2 Mobile Phone Protection Service (SecurePhone^TM)

(a) Limits on the mobile phones we will register
We will only Register details of a mobile phone(s), in accordance with the applicable Table of Benefits, if the relevant Mobile Phone Service Provider provides the service for the mobile phone from within Australia or New Zealand.

(b) What information you need to provide us
So that a mobile phone may be Registered you will need to provide us with details of the mobile phone make or type, the mobile phone number, the handset serial number (IMEI number) and the relevant Mobile Phone Service Provider.

(c) Secure Sentinel labels attached to Protected Mobile Phones
We have provided labels in your Welcome Kit that you can affix to each Protected Mobile Phone, so that anyone who comes in contact with a lost or stolen mobile phone bearing the label can contact us using the details printed on the label.

(d) Notifying us of a lost or stolen mobile phone and temporary blocking the use of a mobile phone
In the event that a Protected Mobile Phone is lost or stolen, you must contact us by phone immediately so that we may complete a Loss Report in relation to the incident. We should be contacted even if only a SIM card is lost or stolen.

Once a Loss Report has been completed, we will contact the relevant Mobile Phone Service Provider to arrange a temporary block on the Protected Mobile Phone to prevent outbound calls. To enable us to perform this Service, you may need to provide us with passwords or PIN numbers used in connection with the phone. If your Mobile Phone Service Provider does not accept instructions from us and requires notification of the loss or theft of a Protected Mobile Phone directly from you, we will advise you to contact the relevant Mobile Phone Service Provider.

Mobile Phone Service Providers usually have terms and conditions which apply to the blocking of a mobile phone service. Your Mobile Phone Service Provider can provide you with details.

We will not arrange for a mobile phone service to be cancelled.

Should your Protected Mobile Phone be damaged or permanently lost, we will not repair or replace it (including the sim card).

(e) Retrieval of a mobile phone
If we are contacted by a person who has found a lost or stolen Protected Mobile Phone, we will use our reasonable efforts to have the phone returned to you; however, this will be at your own cost. Subject to your authorisation we can charge these costs to your nominated Card account.

(f) Liability for unauthorised or fraudulent use of your mobile phone
If:

• fraudulent or unauthorised charges are debited to your Protected Mobile Phone account in the time between when you contact Secure Sentinel and we instruct your Mobile Phone Service Provider to block your phone; and
• your Mobile Phone Service Provider has not credited your account with the full amount of those fraudulent or unauthorised charges, following the completion of any investigation into the loss or theft by your Mobile Phone Service Provider, then, subject to your approval, we will make arrangements with the relevant Mobile Phone Service Provider for the account to be credited with an amount equal to such fraudulent or unauthorised charges.

Except as expressly set out in these terms and conditions, we will not be liable for:

• consequential or other loss or damage that may arise directly or indirectly in connection with a Protected Mobile Phone;
• any fraudulent or unauthorised charges debited to your Protected Mobile Phone account if we are unable to arrange a temporary block on use of the phone because you cannot provide us with the password or pin number required by your service provider to place a temporary bar on the phone;
• rental or lease payments (including penalty payments) in connection with a Protected Mobile Phone; or
• fees or charges (including without limitation plan charges or resumption fees) or penalty payments payable or arising in respect of the provision, suspension, cancellation, resumption or reconnection of a Protected Mobile Phone service.

5.1.3 Change of Address Service
If we are notified of a Change of Address we will update the relevant Membership File; when specifically requested, we will also notify relevant Card Issuers and service providers of your change of address. We will inform you of the Card Issuers and service providers who participate in this Service when you notify us of a change of address and request us to provide this Service. Card Issuers and Mobile Phone Service Providers usually participate in this Service, however some require notification of a change of address directly by you. In such cases, we will advise you to contact the relevant service provider directly.

We will send a letter to you confirming which Card Issuers and service providers we have notified of your change of address. We will not be responsible for any loss you may suffer as a result of any Card Issuer or service provider failing to act on a change of address notification that we have provided to them.

5.1.4 Emergency Cash Advance
To be eligible for an emergency cash advance, you (or if relevant your Family/Household Member) must:

• be more than 100km from your registered place of residence;
• have had all your Protected Cards and any cash on hand lost or stolen;
• be unable, in our opinion, to access alternative funds in a reasonable time; and
• have reported the loss to the local police.
• have requested a loss report notification with Secure Sentinel

We will assess your entitlement to receive a cash advance at or about the time that you request us to advance emergency cash to you. The amount of the emergency cash advance that you will be entitled to receive depends upon the Membership Option and Membership Type you have.

An emergency cash advance is repayable to Secure Sentinel within 30 days of receipt. Before we will agree to provide an emergency cash advance to you, we must be satisfied that you will be able to repay the amount advanced within the 30 days. In most cases, we will be able to provide emergency cash advances within 48hours of your request. This period may be longer depending on the circumstances including factors such as time zone differences and your geographical location.

5.1.5 Key Retrieval Service (SecureKeys^TM)
We will provide you with key tags, with a unique Membership number in your Welcome Kit. You can attach them to your keys. Our contact details are printed on each key tag. You can notify us to put a note on your Membership File in the event your keys are lost or stolen.

If lost or stolen keys are delivered to us or we are advised they have been found, we will contact you to arrange for the keys to be returned to you. If we cannot contact you and your keys remain unclaimed in our possession for a period of six months after the expiry of your Membership, we will dispose of them.

5.1.6 Luggage Retrieval Service (SecureLuggage^TM)
We will provide you with luggage tags in connection with your Membership in your Welcome Kit. You can attach the tags to your luggage or other bags and if luggage bearing the tag is lost or stolen, you can notify us to put a note on your Membership File.

Our contact details are printed on all luggage tags.

If we are notified by another party that your luggage has been found, we will contact you to arrange for the luggage to be returned to you, however this will be at your own cost. You may also record a contact number for yourself on these tags.

5.1.7 Registration of important documents and valuables
You are entitled to provide us with details of documents or valuables for registration or record-keeping in connection with your Membership. These may include (but are not limited to) details of documents such as a non Australian or New Zealand passport, driver's licence, Medicare card (Australia) or community services card (New Zealand).

You may also provide us with details of valuables for registration. In the event that Registered Documents or Registered Valuables are lost or stolen, you may contact us to obtain details of those documents or valuables that are kept on your Membership File for such things as insurance or police investigation purposes. We have provided labels in your Welcome Kit that can be affixed to Registered Valuables. Should lost or stolen Registered Valuables be returned to us or we are notified that Registered Valuables have been found by another party, we will advise you of the whereabouts of these items and you will be required to arrange for their collection at your own cost.

5.1.8 Passport service
If you have a Registered or Protected Passport, we will notify you eight months prior to your passport expiring, providing you have given us its expiry date.

If you have a Protected Passport, we will notify the appropriate government department if you report it as lost or stolen to us.

If you have a Registered Passport, we will advise you of the nearest embassy at which you can report your passport lost or stolen.

Should your passport be lost / stolen, we will not replace the document nor will we cover the cost of replacement.

5.1.9 Twenty-Four-Hour Worldwide Service
We operate all year round, 24 hours a day, 7 days a week and can be contacted by telephone from anywhere in the world (Where there is a phone service). We may be contacted reverse charge or toll free (although calls from mobile phones are charged at the applicable rates). Additional overseas phone numbers are available on request.

6. LOSS REPORTS
When you contact us to report a lost or stolen Card, passport, or mobile phone, we will verify your identity by asking you to provide answers to our security questions. At our discretion and in special circumstances, we may allow a third party to notify us of the loss or theft of a Card or mobile phone, if you are unable to notify us. We will keep a record of the information provided to us by such third parties in your Membership File.

We will notify your financial institutions and/or mobile phone network provider and/or Department of Foreign Affairs of your missing cards, mobile phone or Australian passport as requested by you. Where we were able, we will organise the reissue of the relevant missing cards. If we are unable to organise the reissue of any particular card, we will advise you of this at the time of processing the report.

At the time of reporting the loss or theft of a Protected item, we will give you a Loss Report reference number. You should quote this number to us each time you contact us in relation to the particular incident.

7. LIMITATIONS OF LIABILITY
Notwithstanding anything else that we have stated in these terms and conditions, and to the extent permitted by law, we will not be responsible for any loss or damage arising in connection with the loss or theft of any Registered item except as set out in these terms and conditions.

In particular but without limitation, we will not be liable for any loss or damage that you or a Family/Household Member suffer or incur as a result of any label or tag provided by us, in connection with your Membership, falling off or being removed from any item. We expressly exclude any warranty that we have any control over lost or stolen Registered items.

Our coded key tags, phone labels and luggage tags are only intended to enable lost or stolen items to be identified quickly if such items are found bearing these labels or tags;

• as a result of your failing to comply with these terms and conditions or those of the relevant Card Issuer or Mobile Phone Service Provider;
• in connection with a change in the services, or in the terms and conditions of the services, provided by a third party that affects our ability to provide the Services to you;
• in connection with items that are not Registered with us;
• in connection with our inability to provide a Service because any information in the Membership File is not correct, up to date or complete, unless the incorrect or missing information is the result of our negligence; and
• because security details have been disclosed to others for any reason other than loss-reporting purposes.

Neither you or us shall be liable to each other for a failure or delay in meeting any obligation under these terms and conditions due to strikes and/or lock-outs, acts of God, war, fire, flood, embargo, acts of government or any other cause beyond the control of whoever of us had the duty to perform. In any such event, the time for performance of obligations under this Agreement shall be extended by the same period or periods for which performance is delayed. Whoever of us is affected shall use their best endeavours to avoid or remove such causes of non-performance.

8. PRIVACY AND SECURITY
We store all personal information so that only our authorised personnel are able to have access to information about Members. It is a condition of Membership that you consent and authorise us to:

• provide the information on your application form, and other information that you provide to us, to any third party for the purpose of providing the Services and doing all things as are reasonably necessary, incidental or beneficial in connection with the provision of the Services by us to you;
• provide your information to our business partners and service providers so that we can avoid contacting you unnecessarily about our Services and can conduct market research related to our Services. We will never sell or otherwise transfer your information to a third party for reasons that are not related to us providing Services to you;
• disclose your registered information to your Family/Household Members and disclose Family/Household Members' registered information to you (if applicable), if such disclosure is incidental or ancillary to the provision of the Services by us;
• collect information about you and Family/Household Members from other third parties, including without limitation Card Issuers, Mobile Phone Service Providers, mailing agents and auditors as well as other professionals and service providers in connection with the Services; and
• use your personal information to provide you with information about new membership benefits or services that we may provide.

If your personal information is not provided to us then we may not be able to provide our Services to you. Information about you may be transferred to or from Australia for the above purposes. In some circumstances we may also be required by law to disclose information to a third party. We will use our reasonable endeavours to notify you if these circumstances arise; however, we will not be liable in any way for any failure to do so.

If you request us to do so and to the extent permitted or required by law, we will provide you with access to and allow you to correct the personal information about you that we hold. We may ask you to pay our costs in connection with retrieving this information at your request.

9. UPDATING YOUR MEMBERSHIP FILE
When you become a Member we will send you a letter confirming your Membership. You will be required to Register the items you want Protected, following which we will send you a Welcome Kit.

You must check this information carefully and notify us immediately if it contains any errors or omissions. We will contact you annually to ask you to confirm whether the information that we have recorded in your Membership File is accurate or up to date. Notwithstanding this reminder service, it is your responsibility to advise of changes to the information recorded in your Membership File that affect our ability to provide the Services to you, within 14 days of becoming aware that the information is inaccurate or outdated.

You will need to quote your Membership number to us when notifying us of such changes. We may also ask you to provide answers to a series of security questions in order to verify your identity. Examples of types of things you should notify us of are:

• if at any time you receive new or replacement Card(s); and
• if there are any changes to the details of your Protected Mobile Phone , such as if you have changed your Mobile Phone Service Provider, have a replacement SIM Card or handset (including IMEI number) issued to you or you have a new telephone number; and
• if there are any changes to your Protected or Registered Passport.

Once you have Registered items that you want Protected you will be sent a Welcome Kit.

10. MEMBERSHIP FEES AND RENEWAL
Unless you notify us otherwise, your Membership will be renewed automatically each year, and the Membership Fee applicable for that year will be payable by you.

We will advise you of the amount of the Membership Fee payable by you at the time of your application for Membership and prior to renewal each year.

Unless you advise us otherwise, we will automatically charge your nominated credit card for ongoing renewal Membership Fees or directly debit your nominated bank account, if we have an agreement with your bank that allows us to do so. Other payment options may be made available.

We will send you a Membership renewal notice at least 21 days before you are charged with the amount of any applicable renewal Membership Fee. This will give you the opportunity to advise us of another card that we should charge, or an alternative payment method agreed to by us, in respect of such fees, and will also allow you to notify us if you do not wish to renew your Membership.

You must advise us immediately if the card or bank account details provided to us for the purposes of charging your Membership Fees are no longer current.

If your Membership Fees are paid by a third party and that party does not renew your Membership, we will contact you directly to give you the option of renewing your Membership. If you elect not to renew, your Membership will cease.

Membership Fees are subject to change. Your renewal notice will display the annual Membership Fee payable in respect of Membership for a particular year.

11. LAPSED MEMBERSHIP
If we do not receive Membership Fees by the due date, your Membership will lapse. You will no longer be entitled to the Services after your Membership has lapsed.

12. MEMBERSHIP CANCELLATION
If you have SecurePlus, SecureCard or SecureLite Membership, you may cancel your Membership at any time by advising us by phone or in writing.

If you cancel your Membership within 30 days of your anniversary date, Membership Fee or renewal Membership Fee being charged to your account, we will refund the entire amount of that Membership Fee to you. You will not be entitled to any refund following this 30-day period.

Only the Primary Member may cancel a Family/Household Membership and any cancellation by the Primary Member is effective in respect of all Additional Members. If in our reasonable opinion you are misusing your Membership, we will be entitled to cancel your Membership immediately by giving you written notice. You will be entitled to a pro rata refund of the amount of your Membership Fee for the unexpired portion of the year to which the Membership Fee relates.

Where no Membership Fee is payable or where you have complimentary Membership, no refund of any amount of the Membership Fee will be payable to you.

13. MOVING OVERSEAS
If you permanently cease to be a resident of Australia or New Zealand you will cease to be a Member. If you leave Australia and take up residency in New Zealand (and vice versa) on a permanent basis, you may transfer your Membership. To transfer your Membership please contact us and provide your new address, contact details and, if applicable, Card and other details. We will complete the transfer and send you confirmation of the change together with any applicable supplies. Effective from the next Membership renewal date, you will be charged the Membership fee applicable to the new country of residence.

If you take up temporary or non-permanent residency in any other country you may be eligible to receive Restricted Membership. This is only available for existing Members. To transfer to Restricted Membership or find out more details please call us.

14. VARYING THESE TERMS AND CONDITIONS
We have the right to vary these terms and conditions at any time by giving you 30 days prior notice of our intention to do so. ('Notice of Variation').

If you do not agree to be bound by the terms and conditions varied in this way you may cancel your Membership by advising us within 30 days of our Notice of Variation. If you cancel your Membership within this 30-day period, you will be entitled to a pro rata refund of that part of your Membership Fee that relates to the unexpired portion of the relevant Membership year.

If you do not ask us to cancel your Membership within 30 days of a Notice of a Variation from us, you agree to be bound by the terms and conditions as varied.

Notwithstanding anything contained in this clause 14, we do not need to notify you of variations to the terms and conditions to provide for additional types of Membership or additional Services.

15. GENERAL PROVISIONS
The following general provisions apply:

• This agreement and its schedules constitutes the entire agreement between us as to its subject matter and supersedes all prior understandings or agreements between us and any prior condition, warranty, indemnity or representation imposed, given or made by either of us in connection with that subject matter.
• The failure of either party at any time to insist on performance of any provision of these terms and conditions or to fail to exercise a right under these terms and conditions is not a waiver of that party's right at any later time to insist on performance of that or any other provision of these terms and conditions or to exercise that or any other right under these terms and conditions.
• No term in these terms and conditions shall be regarded as having been waived by a party and no breach shall be taken to have been excused by the consent of a party unless the waiver or consent was signed by the party claiming to have waived or consented.
• If any provision in these terms and conditions is determined to be invalid or unenforceable it will be severed, however, the other provisions shall remain in full force and effect.
• The limitations and exclusions stated in these terms and conditions are only intended to operate to the extent permitted by law. Save as expressly set out in these terms and conditions, we will not be liable to you for any special, indirect or consequential loss or damage resulting from, or caused or contributed to by, any of our acts or omissions.

16. GOVERNING LAW
These terms and conditions are governed by the laws of New South Wales, Australia.

17. ENQUIRIES AND COMPLAINTS
If you have any queries about your Membership, including questions about the personal information that we hold in respect of your Membership, or if you would like to make a complaint in relation to your Membership, you should either phone us or send your enquiry or complaint in writing to us at the following address:

The Manager
Secure Sentinel
Locked Bag 4845
CHATSWOOD NSW 2057

We will investigate all complaints. We will use our reasonable endeavours to respond to such initial complaints by phone or mail within 5 working days.

If you are not satisfied with our final decision on a privacy-related problem you can direct your complaint (if in Australia) to the Federal Privacy Commissioner, either by phone on 1800 620 241 or by mail to GPO Box 5218, Sydney NSW 1042, and (if in New Zealand) to The Privacy Commissioner, either by phone on 0800 803 909 or by mail to: PO Box 466, Auckland.

Australia - Contact Details:
Secure Sentinel Pty Limited ABN 53 054 235 157
Telephone: 1800 022 043 (24 hours a day, 7 days a week)
Facsimile: 1800 025 333
Mailing Address: Locked Bag 4845, Chatswood NSW 2057
Website: www.securesentinel.com.au
e-mail: customerservice@securesentinel.com.au

New Zealand - Contact Details:
Secure Sentinel (NZ) Limited
Telephone: 0800 449 777 (24 hours a day, 7 days a week)
Facsimile: 0800 445 303
Mailing Address: PO Box 2993, Shortland St, Auckland
Website: www.securesentinel.co.nz
Email Address: customerservice@securesentinel.com.au

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