Terms and conditions

for the use of the HLRA internet website

This website (the "Website") is provided by Hannover Life Re of Australasia Ltd ("HLRA"). By entering the Website, the user agrees to abide by the following terms and conditions of use ("Terms and Conditions"). HLRA reserves the right to modify or amend these Terms and Conditions at any time by publishing the varied Terms and Conditions on the Website. Where HLRA considers that any change in Terms and Conditions would result in a material detriment to the user, HLRA will endeavour to provide notice on the Website before the change takes effect (and the user may stop using the Website). However, the user's continued use of the services on the website is deemed to constitute acceptance of any amended Terms and Conditions.


HLRA has used its best judgement and efforts in compiling information for the Website. To the fullest extent permitted, HLRA and its affiliate companies exclude all warranties and responsibility for the accuracy, completeness, timeliness or fitness for purpose of such information. In no event shall HLRA and its affiliate companies be liable for any decision made and action taken in reliance on the information on this Website or for any related damages. Furthermore, to the fullest extent permitted by law, HLRA makes no warranty in respect of the Website, including that it will be virus free or that access to the Website will be uninterrupted.

The information contained in this Website is general information only and does not form part of the terms and conditions of HLRA's products. Users should obtain and consider the relevant terms and conditions for any HLRA product before making any decision about whether to acquire or continue to hold it.

Nothing in these Terms and Conditions is intended to exclude, restrict or modify rights which the user may have under any legislation which may not be excluded, restricted or modified by these Terms and Conditions.

If a jurisdiction allows liability to be limited but not excluded, HLRA's total liability is limited to the maximum extent possible. In Australia, HLRA's liability for any breach of an implied condition or warranty under the Competition and Consumer Act 2010 (Cth) in relation to the provision of this Website is limited to HLRA doing any one or more of the following (at HLRA's election):

  • In the case of services: resupplying or paying the cost of resupplying the services;
  • In the case of goods: replacing, supplying equivalent, or repairing the goods or paying the cost to do so.


"Hannover Life Re" and various other trade names of affiliates are trademarks owned by HLRA and its affiliate companies and they are protected in various jurisdictions. Other product names referred to on the Website may also be protected trademarks.

Privacy and security

HLRA complies with its obligations under the Privacy Act 1998 (the "Act") and the Hannover Life Re Privacy Policy Document. A copy of our Privacy Policy Document is available here.

When the user accesses the Website, personal identifying data and other information may be recorded. HLRA will treat such information in accordance with its privacy obligations and the Hannover Life Re Privacy Policy Document, and the user consents to HLRA (and its partners and affiliate companies) to use or disclose such information for such uses, including statistical purposes, as reasonably required for the operation of the Website or as otherwise required by law. Further information about how HLRA collects and uses data when a user uses the Website and information about use of cookies and web analysis is available here.

As the Website is linked to the internet, and the internet is inherently insecure, HLRA cannot provide any assurance regarding the security of transmission of information communicated to HLRA online. HLRA also cannot guarantee that the information the user supplies will not be intercepted while being transmitted over the internet. Accordingly, any personal information or other information which the user transmits to HLRA online is transmitted at the user's own risk.

The user agrees to comply with its obligations under the Act, to keep secure its log-on passwords and otherwise comply with all reasonable privacy and security requirements as notified by HLRA.

User conduct

The user is responsible for all of his or her actions in connection with this Website. Any fraudulent, disruptive, abusive, defamatory, threatening or illegal activity may be grounds for termination of the user's access to the Website. If HLRA issues the user with a password that permits the user to access certain parts of the Website, the user is solely responsible for any use of the Website using that password, whether authorised or not. Users must comply with all laws that relate to their use of or activities on the Website.


If any clause or provision of these Terms and Conditions is adjudged by a court of law to be invalid, the remaining Terms and Conditions shall remain in full force and effect.

Governing Law and Jurisdiction

These Terms and Conditions shall be construed in accordance with the laws of the Commonwealth of Australia. The courts of Australia shall have jurisdiction to determine any dispute relating to these Terms and Conditions and use of the Website.

About Hannover Life Re of Australasia

Hannover Life Re Australasia, a specialist providing insurance and reinsurance solutions for superannuation funds, distribution partners, employers, and other insurers, so they can protect and grow their businesses while offering value, service and security to their employees, clients and members.

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