Terms and Conditions

1. IMPORTANT

Secure Sentinel Pty Ltd ABN 53 054 235 157 ("Secure Sentinel", "we", "us" and "our") agrees to provide the Services to you on the following Terms and Conditions of your Membership. All Services are provided by Secure Sentinel except Veda Premium Services which are provided by Veda Advantage Information Services and Solutions Limited (ABN 26 000 602 862) ("Veda").

By signing up for, and using our Services you agree to accept 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.

2. DEFINITIONS

The following definitions apply to these Terms and Conditions:

Additional Member means those persons notified by a Primary Member and Registered by us to receive Services as part of a household Membership in accordance with clause 3.2.

Card means any credit, debit, charge, petrol, store card or other card.

Card Issuer means the issuer of the relevant Card.

Credit Alerts means an e-mail notification sent by Veda advising you that your credit information has been added to or changed on your Credit File For the avoidance of doubt, the email notification will not contain any content regarding your Credit File.

Credit File means the record of credit activity provided by Veda to individuals and businesses. Information contained in this Credit File is used to determine a Member's ability to pay off credit debts.

Dependant means a child or member of the Primary Member’s household (living at the same address).

Identity Watch means a cyber-monitoring service used to help prevent fraud by constantly looking for information that you would like monitored, such as credit and debit card numbers, phone numbers and email addresses – in places on the internet where information is known to be illegally traded and provide you with alerts you if we believe your Personal Information has been compromised.

Loss Report means the record that we keep in your Membership File of a notification by you or a person who is acting for or on behalf of you with our approval, that one or more Registered 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 3 of these Terms and Conditions, and includes an Additional Member (if applicable).

Membership means the act of being a Member according to your selected Membership Option and Membership Type.

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 Information and any other information that you have notified us of, in connection with your Membership and in accordance with these Terms and Conditions. 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 of either SecureIdentity, SecureIdentity Express, SecurePlus, or SecurePlus Express. 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 Registered Mobile Phone.

Membership Period means the period of Membership as set out in the application for or renewal of Membership on which the relevant Membership Fee is based.

Membership Type means either an individual Membership or household Membership as selected by you, which is provided with the Membership Option applicable to you.

Fraud Protect - is a de-personalised database owned and operated by Veda that is used by a number of credit providers to check for suspicious information at the point at which an individual applies for credit. For Australian memberships only.

Personal Information has the same meaning as in the Privacy Act 1988 (Cth).

Primary Member means the primary member, not being an Additional Member, in whose name a Household Membership is issued or the sole member of an individual Membership.

Registered means recorded in your Membership File or notified to us to be recorded in your Membership File in accordance with these Terms and Conditions.

Registered Card means any Card that has been registered in connection with your Membership.

Registered Items means the details of any valuables, documents, passports, keys, Cards, Registered Mobile Phone(s) and other items registered in connection with your Membership.

Registered Mobile Phone(s) means a mobile phone(s), details of which are registered in connection with your Membership.

Registered Passport means an Australian or New Zealand passport that has been registered in connection with your Membership.

Restricted Membership means a Service provided to Members who take up temporary or non-permanent residence in any country except Australia or New Zealand (see clause 10).

Services means the services provided by us or Veda as outlined in the Table of Benefits and section 4, and which are specific to the applicable Membership Option and Membership Type chosen by you.

Table of Benefits means the tables attached to these Terms and Conditions that set out the Services that are provided for each Membership Option and Membership Type and any limitations applicable to them.

Veda Premium Services means one or both of the My Credit File and My Credit Alert services provided by Veda under clause 4.1.

Website means the Secure Sentinel website at http://www.securesentinel.com.au/

Welcome Kit means the package that contains key tags, luggage tags, fraud deterrent labels and other information specific to your Membership.

The words 'you' or 'your' refers to a Member and, if the context permits, an Additional Member.

3. MEMBERSHIP

3.1 Membership Eligibility

To be eligible for a Membership you must:

(a) permanently reside in Australia or New Zealand; and
(b) have a postal and residential address in Australia or New Zealand.

3.2 Additional Members

If a Primary Member signs up for a Household Membership, the Primary Member may nominate up to 9 people as Additional Members if they reside permanently at the Primary Member's residential address, such as a spouse or partner and any dependent children.

By nominating Additional Members, the Primary Member agrees (and undertakes to us that it has the necessary authority to agree) on behalf of it and each Additional Member that he or she is eligible to receive our Services and will abide by these Terms and Conditions which the Primary Member agrees to make known to each Additional Member.

Each of the Additional Members will cease to be entitled to receive the Services when the Primary Member ceases being a Member.

4. MEMBERSHIP SERVICES

Subject to you agreeing to these Terms and Conditions and paying the Membership Fee, you are entitled to receive the Services applicable to your Membership Option for your Membership Type for the Membership Period from the date of your Membership application or renewal.

This section of your Terms and Conditions is to be read in conjunction with the Table of Benefits which provides further detail, including any limitations, about the Services we offer and the Veda Premium Services provided by Veda.

4.1 Veda Premium Services: My Credit File & My Credit Alert

When you become a Member, we may ask you to supply us with specific Personal Information to assist Veda in verifying your identity and supplying you with a Credit File history or with Credit Alerts.

If the information you provide upon your request for Membership does not meet Veda's then-current security requirements, Veda may contact you and ask you to provide additional documentation to verify your identity. If Veda is not satisfied that you are the individual named on the Credit File to whom the My Credit File or My Credit Alert Service relates, Veda may refuse to supply you with the Service.

Credit Files and Credit Alerts provided by Veda to you under the SecureIdentity and SecureIdentity Express Membership Options are supplied in accordance with Privacy Act 1988 (Cth) and the further terms and conditions applying to MyCreditFile and MyVedaAler available at http://www.mycreditfile.com.au/terms/ will override these Terms and Conditions to the extent of any inconsistency.

4.2 Card Cancellation and Replacement Service

4.2.1 Registered Cards issued in Australia or New Zealand . When we are notified by you that a Registered Card has been lost or stolen we will report the loss or theft to the relevant Card Issuer on your behalf and use our best endeavours to arrange cancellation of the relevant Registered Card as set out in Schedule 1 and the issue of a replacement Card (where the Card Issuer permits this).

4.2.2 Liability for unauthorised or fraudulent use of Registered Cards issued in Australia or New Zealand - From the time we are notified by phone that a Registered Card has been lost or stolen until we notify the Card Issuer, we will be responsible for fraudulent or unauthorised charges made using the Registered Card that you do not recoup from the Card Issuer.

If the Card Issuer does not credit the Registered 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.

Other than as expressly set out above, we will not be liable for any other loss or damage that may arise directly or indirectly in connection with a Registered 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 Registered Card is left unsigned or for loss or damage that may occur as a result of the Registered Card being compromised as notified via Identity Watch or otherwise.

4.2.3 Registered Cards not issued in Australia or New Zealand In the case of a lost or stolen Registered Card not issued in Australia or New Zealand, we will use our best endeavours to arrange cancellation of the relevant Registered Card only. We will not arrange for the replacement of lost or stolen Registered Cards issued outside Australia or New Zealand.

We will not be responsible for debts incurred in connection with a Registered Card issued outside Australia or New Zealand, or for any other losses suffered in connection with such Registered 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.

4.2.4 Unregistered Cards In the case of lost or stolen Cards which are not Registered ("Unregistered Cards"), we may in special circumstances and at our discretion, agree to arrange for the cancellation and replacement of such Unregistered Cards. At the time of notification, we may ask you to provide further information about the Unregistered Card and the circumstances surrounding the loss or theft.

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.

4.2.5 Confirmation We will send you written confirmation of Cards that have been cancelled by us.

4.2.6 Direct Notification Where a Card Issuer requires notification by the Card owner personally before cancelling or re-issuing a Card, we will advise you to contact the Card Issuer directly.

4.3 Mobile Phone Protection Service

4.3.1 Mobile Phone Protection Service When we are notified by you that a Registered Mobile Phone (or SIM card) has been lost or stolen we will report the loss or theft to the relevant Mobile Phone Service Provider and use our best endeavours to arrange a temporary block on the Registered Mobile Phone. We will not arrange for a mobile phone service to be cancelled or to repair or replace any damaged or permanently lost Registered Mobile Phone (including SIM card).

4.3.2 Notification details You must provide us with a password or security/PIN number at the time of notification if we require it to access a Registered Mobile Phone account.

4.3.3 Direct Notification Where a Mobile Phone Service Provider insists on being contacted directly by you before placing a bar on a Registered Mobile Phone number, we will advise you to contact the Mobile Phone Service Provider directly.

4.3.4 Liability for unauthorised or fraudulent use of your Registered Mobile Phone - From the time we are notified that a Registered Mobile Phone has been lost or stolen, until we notify the Mobile Phone Service Provider, we will be responsible for fraudulent or unauthorised charges made using the Registered Mobile Phone that you do not recoup from the Mobile Phone Service Provider.

If 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.

Other than as expressly set out above, we will not be liable for any other loss or damage that may arise directly or indirectly in connection with a Registered Mobile Phone, or in particular but without limitation:

  • any fraudulent or unauthorised charges debited to your Registered Mobile Phone account if we are unable to arrange a temporary block on the use of the Registered Mobile Phone because you cannot provide us with the password or pin number required by your Mobile Phone Service Provider to place a temporary block on the phone;
  • rental or lease payments (including penalty payments) in connection with a Registered 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 Registered Mobile Phone service.

4.4 Lost or Stolen Items

In the event that Registered Items are lost or stolen, you may contact us to obtain details of those Registered Items that are kept on your Membership File.

If we are contacted by a person who has found a lost or stolen Registered Item or if a Registered Item is returned to us, we will use our reasonable efforts to have the Registered Item returned to you, however, this will be at your own cost. Subject to your authorisation we can charge these costs to your nominated credit card or debit your nominated bank account.

4.5. Change of Address Service

(a) If you notify us of a change of address we will update the relevant Membership File and notify relevant Card Issuers of your change of address.

(b) We will send you a letter confirming which Card Issuers have been notified of your change of address.

(c) We will not be responsible for any loss you may suffer as a result of any Card Issuer failing to act on a change of address notification that we have provided to them.

4.6 Emergency Cash Advance

To be eligible for an emergency cash advance, you must at the time you request the emergency cash advance:

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

We will endeavour to provide emergency cash advances within 48 hours of your request if you satisfy the above conditions and we are satisfied that you will be able to repay the amount advanced.

You must repay any emergency cash advance to us within 30 days of receipt, unless otherwise stated.

4.7 Key Retrieval Service

If your lost or stolen keys are delivered to us or we are advised they have been found, we will contact you and 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.

4.8 Luggage Retrieval Service

If we are notified that your luggage has been found, we will contact you to arrange for the luggage to be returned to you, at your own cost.

4.9 Passport Service

If you have a Registered Passport, we will notify the appropriate government department if you report it as lost or stolen to us, unless it is not possible for us to report it as lost or stolen on your behalf. In this case, we will advise you of the nearest embassy at which you can report your Registered Passport as lost or stolen.

We will not replace or cover the cost of a replacement, if your Registered Passport is lost or stolen.

4.10 Fraud Protect

In addition to notification above, if you report your Registered Passport as lost and stolen to us, we will also add the passport number to Fraud Protect.

4.11 24-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.

4.12 Online Service

You may view, manage and update your Membership information through the online service on our Website ("Online Service"). You will be provided with a password for login purposes. You must keep your login details secure. We will notify you of any scheduled maintenance that will affect the provision of the Online Service 14 days before such maintenance occurs. We do not warrant that the Online Service will be fault free or available without interruption and, to the extent permitted by law, exclude all representations and warranties in relation to the Online Service.

4.13 Online Document Vault

You may upload electronic facsimiles of your important documents to our Online Document Vault which is available via the Online Service.

We do not warrant that the Online Document Vault will be fault free or available without interruption, and to the extent permitted by law, exclude all representations and warranties in relation to the Online Document Vault.

4.14 IdentityGuard

If available for your Membership Option, subject to the terms of the IdentityGuard insurance policy , IdentityGuard insurance is available to:

  • all existing Members at their next Membership renewal occurring on or after 1 November 2010 (unless another date is notified to them by Veda in writing); and
  • persons who become Members on or after 1 November 2010.

4.15 Identity Watch

We will monitor the Registered Items that you have selected as part of Identity Watch. You are able to add to (up to the maximum number of Registered Items as specified in the Table of Benefits) or change the Registered Items that we will monitor at any time by logging in to the Website. For the avoidance of doubt, Identity Watch is a notification service only, and we will not take any action on your behalf unless you expressly direct us to do so.

4.16 Upgrades

Members may upgrade their existing Membership Option for an additional Membership Fee over the phone or for some types of Membership, via their online account.

For Membership Options which are provided by financial institutions and other organisations to Members, upon expiration of your Membership, you will be given the option of upgrading and continuing your Membership at your own cost.

5. YOUR OBLIGATIONS

5.1 Personal Information

If you do not provide Personal Information to us then we may not be able to provide our Services to you. Where you provide Personal Information on behalf of others, you confirm that you are authorised to give these consents on behalf of those people.

You consent to the use of your Personal Information for the purpose of providing the Services and services related to your Membership, which includes sending you information on any new Membership benefits or services that we may provide and providing your Personal Information to Veda so that Veda can provide the Veda Premium Services.

You consent to the disclosure of Personal Information to, and obtaining information from, third parties such as Card Issuers, Mobile Phone Service Providers and mailing agents for this purpose.

5.2 Electronic Communications

Where you have provided us with an email contact address or mobile phone number, you consent to receiving electronic correspondence concerning your Membership details or matters arising from your Membership from us at the email address or mobile phone number provided, unless you notify us otherwise.

For security and related reasons you must provide us with an up-to-date and a valid email address or mobile phone number. If for any reasons you change your email address or mobile number you must notify us of that change immediately. This is essential for you to receive correspondence concerning your Membership and alerts.

5.3 Registration of Items

For your items to be covered/protected, you must register and provide us with details of those items, valuables and documents that you want Registered in connection with your Membership. These may include (but are not limited to) your Cards, passport, driver's licence, Medicare card (Australia), community services card (New Zealand) and/or mobile phone.

Only Cards issued in Australia or New Zealand are eligible to be Registered but we may agree to Register Cards issued elsewhere at our absolute discretion. We may not be able to Register all Cards even if issued in Australia or New Zealand as this will depend upon the arrangements we have with particular Card Issuers. We will advise you if a Card is not eligible for Registration.

We will only Register details of mobile phone(s) if the relevant Mobile Phone Service Provider provides the service for the mobile phone from within Australia or New Zealand.

All Registered Items must belong to you, in the case of a Registered Card or Registered Mobile Phone, be registered with the relevant Card Issuer or Mobile Phone Service Provider in your name or the name of the company for whom you work (if applicable).

5.4 Notification of Lost or Stolen Items

You must notify us of the loss or theft of a Registered Item by telephone as soon as practicable after becoming aware of the loss or theft. We will not accept notification by post, facsimile or email. At our absolute discretion and in special circumstances, we may allow a third party to notify us of the loss or theft of a Registered Card, Registered Passport or Registered 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.

5.5 Update your Membership File

You must ensure that your Membership File is kept accurate or up-to-date and advising us of any changes to the information recorded in your Membership File that may affect our ability to provide the Services to you within 14 days of becoming aware that the information is inaccurate or outdated. Notwithstanding this, we will contact you after we receive your request for Membership and annually to confirm your Membership.

6. MEMBERSHIP FEES AND RENEWAL

6.1 Initial Membership Fee

The initial Membership Fee is payable at the time of your application for Membership and will be the amount specified on our Website or as notified to you at the time of Membership application.

6.2 Renewal

We will issue a Membership renewal notice at least 14 days before the expiry of your Membership which will:

(a) set out the annual Membership Fee payable, which we may change each year at our discretion;

(b) set out the payment methods available; and

(c) provide you with the ability to notify us if you do not wish to renew your Membership.

Unless you notify us otherwise, your Membership will be automatically renewed for another one year and the Membership Fee applicable for that year will be payable by you. If you elect not to renew your Membership, your Membership will cease.

6.3 Complimentary Membership

If applicable, in the event your complimentary Membership offer is withdrawn, you understand that you will be able to renew your own Membership at your own cost, but it may be that you must choose a different Membership Option.

6.4 Payment

You agree that unless you notify us otherwise, whenever the Membership Fee is payable under clause 6.1, 6.2 and 6.3, we can automatically charge your nominated credit card or directly debit your nominated bank account, if we have an agreement with your bank that allows us to do so. You must advise us immediately if the card or bank account details provided to us for the purposes of charging your Membership Fees is no longer current.

6.5 Failure to pay

If we do not receive Membership Fees by the due date, your Membership will lapse and you will no longer be entitled to the Services.

6.6 Third Party Payment

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 but it may be that you must choose a different Membership Option.

7. PRIVACY AND SECURITY

7.1 Use of Personal Information

We store all Personal Information so that only our authorised personnel are able to have access about Members. It is a condition of Membership that you consent and authorise us to:

  • receive your updated telephone, email and address information to ensure Veda and us both have your current details in order to provide you with the Services;
  • provide your Personal Information to our business partners and service providers so that we can conduct market research related to our Services;
  • disclose your Personal Information to Additional Members and disclose Additional Members' Personal Information to you (if applicable), if such disclosure is incidental or ancillary to the provision of the Services by us;
  • record your telephone conversations with our staff to use for training and/or call validation purposes; and
  • transfer Personal Information about you to or from Australia for the above purposes.

7.2 Direct Marketing Consents

Secure Sentinel, Veda and its related companies (“Veda Group”) may, at any time, use your personal information for marketing purposes and send you information about Veda or its related companies’ products or services. This will include promotional material including but not limited to communications of the following kind:

(a) Newsletters

(b) Competitions

(c) Surveys

(d) Promotions on existing or new products

(e) Other, if any

Veda may do so by using a variety of means including:

(a) electronic means such as emails, SMS, MMS or similar devices

(b) hardcopy to your nominated address; and

(c) subject to Do Not Call Register, call you.

Veda and its related companies may, at any time, disclose your information to its clients for marketing purposes who will send you marketing information similar to the above.

In doing so, Veda will be expressly relying on the consent that you have provided on the website when you subscribed to the Service. At all times you are free to choose not to receive some or all of the marketing communications sent by Veda or on Veda’s behalf. In order to exercise that choice you need to communicate that to:

Secure Sentinel
Locked Bag 4845, Chatswood NSW 2057
Or call us on 1800 022 043

In doing so, Veda may disclose any of this information to its related bodies corporate or service providers of Veda or its related bodies corporate where such disclosure is required to conduct the marketing and related commercial activities set out above.

7.3 Disclosure of Personal Information

In some circumstances we may also be required by law to disclose Personal 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.

7.4 Correcting Personal Information

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.

8. LIMITATIONS OF LIABILITY

8.1 Exclusions

Notwithstanding anything else in these Terms and Conditions, and to the extent permitted by law, we will not be liable to you or anyone else for any loss or damage arising:

(a) in connection with the Veda Premium Services provided by Veda;

(b) in connection with the loss or theft of any Registered Item except to the extent expressly set out in these Terms and Conditions. In particular but without limitation, we will not be liable for any loss or damage resulting from any label or tag provided by us falling off or being removed from any Registered Item. We expressly exclude any warranty that we have any control over lost or stolen Registered Items. Our only warranty to you is that our coded key tags, phone stickers and luggage tags are intended to enable lost or stolen keys, Registered Items and luggage to be identified quickly if such items are found bearing these stickers or tags;

(c) as a result of you failing to comply with these Terms and Conditions or those of the relevant Card Issuer or Mobile Phone Service Provider;

(d) in connection with a change in the Services , or in the terms and conditions of services provided by a third party that affects our ability to provide the Services to you;

(e) in connection with items that are not Registered with us;

(f) in connection with our inability to provide a Service because any information that is Registered with us is not correct, up to date or complete, unless the incorrect or missing information is the result of our negligence;

(g) through you or another party disclosing security details to any third party other than for loss-reporting purposes; and

(h) in connection with any express or implied representations, conditions or warranties except those set out in these Terms and Conditions and those which cannot be excluded by law.

8.2 Limit

We are not liable to you or to anyone else for any loss or damage (including without limitation loss of profit, revenue or business, indirect, consequential, special or incidental loss or damage) however such loss, damage or liability arises or might arise if it were not for this clause, including our negligence.

To the extent we are unable to exclude liability, our total liability for loss or damage you suffer or incur is limited to us re-supplying the services to you, or, at our option, us refunding to you the amount you have paid us for the Service to which your claim relates.

8.3 Force Majeure

Neither party will be liable for any failure to comply with these Terms and Conditions or any other agreement with you if, and to the extent that, that failure is caused by an act, omission or event beyond our reasonable control. In any such event, the time for performance of obligations under these Terms and Conditions will be extended by the same period or periods for which performance is delayed. Whoever of us is affected will use their best endeavours to avoid or remove such causes of non-performance.

9. CANCELLATION

9.1 Cancellation of Membership

You may cancel your Membership at any time by advising us by phone or in writing. Only the Primary Member may cancel a Household Membership and any cancellation by the Primary Member is effective in respect of all Additional Members.

9.2 Cooling-Off Period and Refund

If you cancel your Membership within 10 business days of your Membership application, we will give you a full refund of any Membership Fees paid by you unless you have already been sent a Credit File prior to notifying us of the cancellation of your Membership. If you have received a Credit File, the amount refunded to you will be reduced by the cost of the Credit File. You will not be entitled to any refund after this 10 business day period.

9.3 Cancellation for Breach

We can suspend or cancel your Membership immediately by giving you written notice if in our reasonable opinion you are misusing your Membership.

10. 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.

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.

11. VARYING THESE TERMS AND CONDITIONS

We reserve the right to amend these Terms and Conditions at any time by giving at least one month's notice on our Website. ('Notice of Variation').

If you do not agree to be bound by the varied Terms and Conditions 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 11, we do not need to notify you of variations to these Terms and Conditions to provide for additional types of Membership or additional Services.

12. GENERAL PROVISIONS

The following general provisions apply:

(a) These Terms and Conditions and its schedules and any terms and conditions incorporated by reference 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.

(b) 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.

(c) 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.

(d) 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.

13. GOVERNING LAW

These Terms and Conditions are governed by the laws of New South Wales, Australia.

14. 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

Veda Premium Services
For any enquiries and complaints relating to the Veda Premium Services, please direct them at first instance to Secure Sentinel. If, after discussing your enquiry or complaint with Secure Sentinel, you would like to speak with Veda, their contact details are as follows:
Veda Advantage Information Services and Solutions Limited ABN 26 000 602 862:
Telephone: 1300 762 207 (8:30am - 5:30pm, Monday to Friday)
Facsimile: (612) 9278 7333
Mailing Address: PO Box 966, North Sydney NSW 2059
Website: www.veda.com.au


TABLE OF BENEFITS

SecureIdentity Product

SERVICE

INDIVIDUAL

HOUSEHOLD

MyCreditFile

You will receive 1 credit file, subject to clause 4.1

You will receive 2 credit files, subject to clause 4.1

MyVedaAlert

You will receive 1 alert service, subject to clause 4.1

You will receive 2 alert services, subject to clause 4.1

Card Cancellation and Replacement

You may register the details of Cards, subject to clause 4.2

You and Additional Members may register the details of Cards, subject to clause 4.3

Fraud Deterrent Labels

1 sheet of labels provided in your Welcome Kit. Additional sheets are available upon request

1 sheet of labels provided in your Welcome Kit. Additional sheets are available upon request.

Emergency Cash

You may be eligible to receive up to AU$1,000 for any one Loss Report, subject to clause 4.6

You and Additional Members may be eligible to receive up to AU$1,000 for any one Loss Report, subject to clause 4.6

Change of Address

We will notify those of your service providers who participate in this Change of Address service, subject to clause 4.5

We will notify those of Additional Members service providers who participate in this Change of Address service, subject to clause 4.5

Mobile Phone Protection and Retrieval

You may register the details of mobile phones, subject to clause 4.3

You and Additional Members may register the details of mobile phones, subject to clause 4.3

Key Retrieval

2 key tags are provided in your Welcome Kit, additional key tags are available upon request, subject to clause 4.7

2 key tags are provided in your Welcome Kit. Additional key tags are available upon request, subject to clause 4.7

Passport Registration, Reporting and Reminder

You may register your passport/s. We may be able to report them as lost/ stolen and will notify you 8 months prior to your passport expiring, subject to clause 4.9

You and Additional Members may register the details of any number of passports. We may be able to report them as lost/ stolen and will notify you 8 months prior to your passport expiry to enable you to renew, subject to clause 4.9

Luggage Retrieval

2 luggage tags are provided in your Welcome Kit, additional luggage tags are available upon request subject to clause 4.8

2 luggage tags are provided in your Welcome Kit. Additional luggage tags are available upon request subject to clause 4.8

Registration of Important Documents and Valuables

You may register details of any documents and details of valuables, subject to clause 5.1

You and Additional Members may register details of any documents and details of valuables, subject to clause 5.1

Online Service

You will receive login details upon request, subject to clause 4.11

You will receive login details upon request, subject to clause 4.11

Online Document Vault

You may upload documents to a total of 10MB, subject to clause 4.12

You may upload documents to a total of 10MB, subject to clause 4.12

IdentityGuard

You are entitled to cover of up to a value of AU$15,000 per annum, subject to clause 4.13

You are entitled to cover of up to a value of AU$15,000 per annum, subject to clause 4.13

Identity Watch

You are entitled to register the following number of items:

- 8 credit/debit cards

- 5 bank accounts

- 1 passport (AU or NZ)

- 1 drivers licence (AU or NZ)

- 2 Medicare cards

- 3 telephone numbers

- 3 email addresses

You are entitled to register the following number of items per member:

- 8 credit/debit cards

- 5 bank accounts

- 1 passport (AU or NZ)

- 1 drivers licence (AU or NZ)

- 2 Medicare cards

- 3 telephone numbers

- 3 email addresses

Fraud Protect

We will add Registered Passports you have reported lost or stolen Fraud Protect.

We will add Registered Passports you have reported lost or stolen Fraud Protect.

SecureIdentity Express Product*

SERVICE

INDIVIDUAL

HOUSEHOLD

MyCreditFile

You will receive 1 credit file within 72 hours, subject to clause 4.1

N/A

MyVedaAlert

You will receive 1 alert service, subject to clause 4.1

N/A

IdentityGuard

You are entitled to cover of up to a value of AU$15,000 per annum, subject to clause 4.13

N/A

SecurePlus Product

SERVICE

INDIVIDUAL

HOUSEHOLD

Card Cancellation and Replacement

You may register the details of Cards, subject to clause 4.2

You and Additional Members may register the details of Cards, subject to clause 4.2

Fraud Deterrent Labels

1 sheet of labels provided in your Welcome Kit. Additional sheets are available upon request

1 sheet of labels provided in your Welcome Kit. Additional sheets are available upon request.

Emergency Cash

You may be eligible to receive up to AU$1,000 for any one Loss Report, subject to clause 4.6

You and Additional Members may be eligible to receive up to AU$1,000 for any one Loss Report, subject to clause 4.6

Change of Address

We will notify those of your service providers who participate in this Change of Address service, subject to clause 4.5

We will notify those of Additional Members service providers who participate in this Change of Address service, subject to clause 4.5

Mobile Phone Protection and Retrieval

You may register the details of mobile phones, subject to clause 4.3

You and Additional Members may register the details of mobile phones, subject to clause 4.3

Key Retrieval

2 key tags are provided in your Welcome Kit, additional key tags are available upon request, subject to clause 4.7

2 key tags are provided in your Welcome Kit. Additional key tags are available upon request, subject to clause 4.7

Passport Registration, Reporting and Reminder

You may register your passport/s. We may be able to report them as lost/ stolen and will notify you 8 months prior to your passport expiring, subject to clause 4.9

You and Additional Members may register the details of any number of passports. We may be able to report them as lost/ stolen and will notify you 8 months prior to your passport expiry to enable you to renew, subject to clause 4.9

Luggage Retrieval

2 luggage tags are provided in your Welcome Kit, additional luggage tags are available upon request subject to clause 4.8

2 luggage tags are provided in your Welcome Kit. Additional luggage tags are available upon request subject to clause 4.8

Registration of Important Documents and Valuables

You may register details of any documents and details of valuables, subject to clause 5.1

You and Additional Members may register details of any documents and details of valuables, subject to clause 5.1

Online Service

You will receive login details upon request, subject to clause 4.11

You will receive login details upon request, subject to clause 4.11

Online Document Vault

You may upload documents to a total of 10MB, subject to clause 4.12

You may upload documents to a total of 10MB, subject to clause 4.12

IdentityGuard

You are entitled to cover of up to a value of AU$15,000 per annum, subject to clause 4.13

You are entitled to cover of up to a value of AU$15,000 per annum, subject to clause 4.13

Identity Watch

You are entitled to register the following number of items:

- 8 credit/debit cards

- 5 bank accounts

- 1 passport (AU or NZ)

- 1 drivers licence (AU or NZ)

- 2 medicare cards

- 3 telephone numbers

- 3 email addresses

You are entitled to register the following number of items per member:

- 8 credit/debit cards

- 5 bank accounts

- 1 passport (AU or NZ)

- 1 drivers licence (AU or NZ)

- 2 medicare cards

- 3 telephone numbers

- 3 email addresses

National Fraud Database

We will add Registered Passports you have reported lost or stolen to the National Fraud Database

We will add Registered Passports you have reported lost or stolen to the National Fraud Database

SecurePlus Express Product*

SERVICE

INDIVIDUAL

HOUSEHOLD

Card Cancellation and Replacement

You may register the details of Cards, subject to clause 4.2

You and Additional Members may register the details of Cards, subject to clause 4.2

Passport Registration, Reporting and Reminder

You may register your passport/s. We may be able to report them as lost/ stolen and will notify you 8 months prior to your passport expiring, subject to clause 4.9

You and Additional Members may register the details of any number of passports. We may be able to report them as lost/ stolen and will notify you 8 months prior to your passport expiry to enable you to renew, subject to clause 4.9

Emergency Cash

You may be eligible to receive up to AU$1,000 for any one Loss Report, subject to clause 4.6

You and Additional Members may be eligible to receive up to AU$1,000 for any one Loss Report, subject to clause 4.6

Online Service

You will receive login details upon request, subject to clause 4.11

You will receive login details upon request, subject to clause 4.11

* Not available as a retail product Note: SecurePlus Express and SecureIdentity Express Products are only available through selected institutions.

Note: Welcome Kits will be provided within 15 business days of applying for your Membership. SecureIdentity Express and SecurePlus Express Memberships will not receive a Welcome Kit.

Restricted Membership

If a Restricted Membership applies, only the following Services will be provided under the SecureIdentity, SecureIdentity Express, SecurePlus or SecurePlus Express Membership Options:

  • 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.

To transfer to Restricted Membership or find out more details please call us.

SCHEDULE 1

  • Credit cards
  • Debit cards including ATM cards
  • Charge cards including store cards and petrol cards