Varying the policy
We may vary the terms of the covers written by Hallmark Life (including the percentage used to work out the monthly instalments of premium) by giving you 30 days' written notice.
Where permitted by law, we may vary the terms of the other covers by giving you 30 days' written notice.
If you held a 28 Degrees Mastercard Shopper's Protection policy that was already in force on the date of this PDS, we will deal with claims under this policy in accordance with the terms of your earlier policy if it would be more favourable to you.
The policy is governed by the law in force in New South Wales. Each party submits to the non-exclusive jurisdiction of the courts of New South Wales.
Your interest in this policy cannot be assigned to any other person.
Hallmark Life Insurance Company Ltd. ABN 87 008 446 884 AFSL 243469