Website disclaimer

Our website 

This website is operated by National Australia Bank Limited ("NAB") on behalf of NAB and its related bodies corporate (together called the "NAB Group").

The products and services of NAB described on this site are available only to Australian residents and in relation to property in Australia. Applications from people other than Australian residents will not be accepted. The information on this site has been prepared in accordance with Australian law for the supply of goods and services.

Otherwise, this website is not intended to offer products and services provided by any member of the NAB Group. Any person accessing information on, or application for, specific products or services via this website must locate, read and accept the terms and conditions attaching to (a) that particular product or service; and (b) the relevant NAB Group members' website.

Many of the products and services offered by NAB Group are country specific. Accessing any product or service via this website is not an offer, inducement or invitation to purchase those products or services.

This notice and the information on this site and all matters relating to either are governed by and are to be construed according to the laws applicable in the State of Victoria and the Commonwealth of Australia ("Australian law"). The information may not satisfy the laws of any other country. It is not directed at people in any other country and should not be relied on by people in any country other than Australia. The information on this site is current at the date of publication but may be subject to change.

NAB does not warrant or represent that the information on this site is free from errors or omissions or is suitable for your intended use. NAB recommends that you seek independent advice before acting on any information on this site. Subject to any terms implied by law and which cannot be excluded, NAB accepts no responsibility for any loss, damage, cost or expense (whether direct or indirect) incurred by you as a result of any error, omission or misrepresentation in any information on this site.

This website may contain links to third party websites for your information and convenience. The operators of these third party sites are not affiliated with NAB and NAB is not responsible for the content of these sites.

Disclosure about products and services on our website

All applications for credit are subject to NAB's usual credit assessment criteria. Fees and charges may apply. 

Any advice contained on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice on this website, NAB recommends that you consider whether it is appropriate for your circumstances.

A Product Disclosure Statement (PDS), Terms & Conditions (T&C), Target Market Determinations (TMD) or Financial Services Guide (FSG) may be available for products and services on this website. Refer to the product or service web page, or phone the numbers listed below for specific products or services, to see if a PDS, T&C, TMD or FSG is available. If a PDS, T&C or FSG is available, NAB recommends that you consider the PDS, T&C or FSG before making any decision about a product or service. All products and services on this website are issued by National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686, with the exception of the following:

Allianz Australia Insurance Limited (ABN 15 000 122 850 AFSL 234708) (Allianz) is the insurer and issuer of:

Allianz has entered into a distribution arrangement with National Australia Bank Limited (ABN 12 004 044 937) (NAB). Under this arrangement, NAB is authorised to arrange for the issue of this insurance by Allianz as Allianz’s agent. All other services provided by NAB in relation to this insurance are not provided on behalf of Allianz. Neither NAB, nor any of its related bodies corporate, accept liability or guarantee payment of any claim or benefit in respect of this insurance. A policy does not represent a deposit with, or a liability of, nor is guaranteed by either NAB or any of its related bodies corporate.

NAB is paid commission if Allianz issue you with this insurance (including renewals and variations) and may be entitled to a profit share or marketing allowance if certain thresholds are met in agreed periods regarding this and other types of insurance policies entered into under NAB’s arrangement with Allianz. Details are provided in the NAB Financial Services Guide, available in branch, by calling 13 29 28 or at nab.com.au/fsg.

Any advice contained is general only and does not take into account your particular objectives, financial situation or needs. You should consider whether the advice is appropriate for your objectives, financial situation or needs and consult the Policy Document and Product Disclosure Statement (PDS) available in branch, by calling 13 29 28 or at nab.com.au/insurance.

For the standard terms, conditions and exclusions about our insurance, please refer to the Product Disclosure Statement (PDS) and any supplementary PDS (if applicable). Target Market Determinations for these products are available at nab.com.au/TMD.

MLC Limited (ABN 90 000 000 402 AFSL 230694) is the issuer of:

Intellectual Property 

Copyright in the information contained on this site subsists under the Copyright Act 1968 (Cth) and, through international treaties, the laws of many other countries. It is owned by members of the NAB Group unless otherwise stated. All rights reserved. You may download a single copy of this document and, where necessary for its use as a reference, make a single hard copy. Except as permitted under the Copyright Act 1968 (Cth) or other applicable laws, no part of this publication may be otherwise reproduced, adapted, performed in public or transmitted in any form by any process (graphic, electronic or mechanical, including photocopying, recording, taping or by storage in an information retrieval system) without the specific written consent of NAB.

"NAB" and all associated trademarks displayed on this website are owned by NAB Group.

MLC Limited uses the MLC brand under licence. MLC Limited is part of the Nippon Life Insurance Group and is not a part of the NAB Group of Companies. 

© National Australia Bank Limited. ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.