The information provided on this website has been compiled solely for the purpose of providing general information to users about PBF Australia Ltd (PBF) and its services and products.
By accessing or using this website, you agree to be bound by the terms and conditions set out below for use of this website. Please read them carefully.
Use of this website is at your own risk and PBF makes no warranties about the security or accessibility of the site. PBF can not guarantee that the website or any files on it will be free from viruses, faults or defects and accepts no liability for it.
PBF also makes no warranties about the accuracy or completeness of any information contained on this website.
Links to other websites are provided for your convenience and PBF is not responsible for the information contained on those websites.
The provision of a link to another website does not constitute an endorsement or approval of that website, or any products or services offered on that website, by PBF.
PBF will not accept any liability for the use of those links to connect to websites that are not under our control.
PBF owns the copyright to this website and all of its content. PBF grants you a limited licence to download this website for personal use only.
You are not permitted to reproduce or alter this website, or any copy of it, for any other purpose without the prior express written consent of PBF.
PBF reserves the right to make changes, modifications, additions, deletions and corrections to the website and its terms of use, at any time and without notice. Your continued use of this site after any such changes indicates acceptance of the new terms.
These terms apply specifically to the access to and use of this website and do not alter the way other terms and conditions apply for any service or product agreements you have with PBF.
You may not remove or use any trademarks or copyright notices which appear on this website.
CORPORATE MEMBERSHIP - Terms and Conditions
For the purposes of these Corporate Terms and Conditions, the following words and phrases shall (unless the context otherwise requires) have the following meanings.
"Board" means the Board of Directors of PBF Australia Ltd.
"Constitution" means the Constitution of PBF being the Memorandum and Articles of Association including any amendments for the time being in force.
"Corporate Member" means a legal entity that has been admitted/accepted by the Board as a Corporate Member of PBF subject at all times to any terms and conditions agreed in the Corporate Membership Agreement and Schedule.
"Eligible Person" means a natural person who is defined as an Eligible Person in the Schedule attached to the Corporate Member Agreement and who meets any requirements defined therein.
"Nominated Medical Practitioner" means the registered Medical Practitioner as determined from time to time by the Board and selected from a panel of Medical Practitioners who are currently, or have previously, held the position as Director of a Spinal Unit of a State of Australia.
"PBF" means PBF Australia Ltd.
"Relevant Event" means an event as defined in clause 6 of these Corporate Terms and Conditions.
The Board may from time to time establish a Table of Subscription Rates together with a Schedule of Benefits.
The Board may vary the Table of Subscription Rates, the Schedule of Benefits, and/or these Terms and Conditions from time to time. However, any such variation is not binding upon a Corporate Member until the day upon which the membership is due for renewal following the particular variation being communicated in writing to the member. Any such variation shall be deemed to have been communicated to a member if notice of the particular variation has been forwarded via mail or electronic means to the member at the address of the member shown in membership records.
Subject to these Terms and Conditions, and upon the occurrence of a Relevant Event, an Eligible Person becomes entitled to be assessed for payment of the benefit as specified in the Schedule of Benefits.
If a Relevant Event should occur during a time when the subscription of the particular Corporate Member has fallen in arrears by more than 28 days, then the Eligible Person shall not be entitled to be paid a benefit from PBF.
On the occurrence of a Relevant Event, the Board shall consider any claim made against PBF and may in its sole and absolute discretion, and either in whole or in part, determine whether or not to grant a benefit.
For the purpose of these Terms and Conditions, a Relevant Event is the occurrence of a traumatic injury to the spinal cord of the Eligible Person making the claim that has resulted in total paraplegia or tetraplegia where such injury has been diagnosed and certified by the Nominated Medical Practitioner. Injury means a bodily injury resulting from an accident which is not an illness or disease and which:
is caused by violent, external and visible means; and
occurs during the period of membership; and
results solely and independently of any other causes, including any pre-existing physical or congenital conditions.
No benefit will be paid to an Eligible Person where the total or substantial paraplegia or tetraplegia results directly or indirectly from:
6.1 disease or illness; or
6.2 trauma or injury at or near the site of either an existing injury or at or near the site of an existing disease (to be determined by the Nominated Medical Practitioner with such determination to be in the absolute discretion of the Nominated Medical Practitioner); or
6.3 trauma or injury caused by earthquake, cyclone, hurricane or other natural disaster; or
6.4 trauma or injury at war (whether declared or not), invasion, civil war or any other military disturbance; or
6.5 any intentional self injury by the Eligible Person or attempt at same, including suicide or any illegal or criminal act committed by the ‘Eligible Person’; or
6.6 trauma or injury resulting from any civil disturbance and any incidental measures taken by the relevant authorities in such circumstances to deal with the civil disturbance; or
6.7 trauma or injury resulting from an Eligible Person engaging in or taking part in flying an aircraft or aerial device other than as a passenger in an aircraft licensed to carry passengers; or
6.8 traumatic injury to the spine where the Eligible Person has failed to wear an available seatbelt restraint, and where, in the opinion of the Nominated Medical Practitioner, failure to do so has resulted in total or substantial paraplegia or tetraplegia; or
6.9 an injury that occurred from a trauma at a time when the Eligible Person had consumed drugs and/or alcohol which on blood analysis creates a level greater than 0.05 per cent alcohol by volume provided. However, if the Eligible Person was a passenger in a motor vehicle, then the Board may in its discretion decide that the blood alcohol level of the Eligible Person/passenger is not a relevant factor; or
6.10 an Eligible Person engaging in, or taking part in training for, professional sports of any kind, motor vehicle or motor cycle racing (whether as a driver or a passenger) or the racing or preparation for racing of any kind; or
6.11 the use, existence or escape of nuclear weapons material or ionising radiation from or contamination by radioactivity from any nuclear fuel or nuclear waste from the combustion of nuclear fuel; or
6.12 pregnancy, childbirth, miscarriage or the complications of these conditions; or
6.13 an act of terrorism.
7. Upon the occurrence of a Relevant Event to an Eligible Person, the Corporate Member concerned shall advise PBF of the occurrence of the Relevant Event in writing within 28 days of the date on which the Relevant Event occurred.
8. The manner and amount of the payment of benefit, as determined to be made in the absolute discretion of the Board, to an Eligible Person following the occurrence of a Relevant Event shall be in accord with the Schedule of Benefits as current at the time of acceptance of the Corporate Membership application and subject always to the Terms and Conditions herein contained.
9. A Corporate Member must be a recognised legal entity with a body corporate, such as a Company or incorporated Association or Club.
10. Initial membership of PBF shall commence on the day of the receipt by PBF of both the signed Agreement and payment of the annual membership fee (subject to clearance of the funds) ("the Start Date") and shall continue for a period of 12 calendar months, or such further period (not exceeding 30 days) as to extend to the last day of the month in which the Corporate Member joined ("the Renewal Date"). Subsequent periods of membership shall commence on the Renewal Date, subject to payment of the membership fee within 28 days of the Renewal Date, and continue for a period of 12 calendar months. Subject to the Constitution of PBF, membership shall be cancelled at the request of the Corporate Member or shall be automatically cancelled if the membership subscription is in arrears for a period greater than 28 days.
11. The benefit as determined to be paid by the Board following the exercise of its discretion herein, shall be paid to the Eligible Person within three months of the date of the exercise of the discretion of the Board to pay a benefit payment. Payment to an Eligible Person who is less than 18 years of age will be made to the legal guardian of the Eligible Person.
12. Members aged 80 years or more are ineligible to claim the discretionary member benefit. However, this will not prejudice any eligibility to claim the discretionary member benefit which arises due to an incident that occurs before a member reaches 80 years.
SCHEDULE OF BENEFITS PAYABLE
1. Subject to the Terms and Conditions herein appearing, and in the event of total or substantial paraplegia or tetraplegia as determined by the Nominated Medical Practitioner following upon a Relevant Event, then an Eligible Person is entitled to be assessed to receive a benefit to a maximum sum of $100,000.
BENEFIT FUND MEMBERSHIP (Individuals)
Terms and Conditions
For the purpose of these Non-Corporate Terms and Conditions, the following words and phrases shall (unless the context otherwise requires) have the following meanings.
"Board" means the Board of Directors of PBF Australia Ltd.
"Constitution" means the Constitution of PBF being the Memorandum and Articles of Association including any amendments for the time being in force.
"Member" means a natural person or persons accepted by the Board as a Member of PBF subject at all times to the Constitution and all Terms and Conditions of PBF.
"Nominated Medical Practitioner" means the registered Medical Practitioner as determined from time to time by the Board and selected from a panel of Medical Practitioners who are currently, or have previously, held the position as Director of a Spinal Unit of a State of Australia.
"PBF" means PBF Australia Ltd.
"Relevant Event" means an event as defined in clause 6 of these Non-Corporate Terms and Conditions.
The Board may from time to time establish a Table of Subscription Rates together with a Schedule of Benefits.
The Board may vary the Table of Subscription Rates, the Schedule of Benefits, and/or these Terms and Conditions from time to time. However, any such variation is not binding upon a Member until the day upon which the membership is due for renewal following the particular variation being communicated in writing to the Member. Any such variation shall be deemed to have been communicated to a Member if notice of the particular variation has been forwarded via mail or electronic means to the member at the address of the member shown in membership records.
Subject to these Terms and Conditions, and upon the happening of a Relevant Event, a Member becomes entitled to be assessed for payment of the benefit as specified in the Schedule of Benefits.
If a Relevant Event should occur during a time when the subscription of the Member has fallen in arrears by more than 28 days, then the Member shall not be entitled to be paid a benefit from PBF.
On the occurrence of a Relevant Event, the Board shall consider any claim made against PBF and may in its sole and absolute discretion, and either in whole or in part, determine whether or not to grant a benefit.
For the purpose of these Terms and Conditions, a Relevant Event is the occurrence of a traumatic injury to the spinal cord of the Member making the claim that has resulted in total paraplegia or tetraplegia where such injury has been diagnosed and certified by the Nominated Medical Practitioner. Injury means a bodily injury resulting from an accident and which is not an illness or disease and which:
is caused by violent, external and visible means; and
occurs during the period of membership; and
results solely and independently of any other causes, including any pre-existing physical or congenital conditions.
No benefit will be paid to a member where the total or substantial paraplegia or tetraplegia results directly or indirectly from:
6.1 disease or illness; or
6.2 trauma or injury at or near the site of either an existing injury or at or near the site of an existing disease (to be determined by the Nominated Medical Practitioner with such determination to be in the absolute discretion of the Nominated Medical Practitioner); or
6.3 trauma or injury caused by earthquake, cyclone, hurricane or other natural disaster; or
6.4 trauma or injury at war (whether declared or not), invasion, civil war or any other military disturbance; or
6.5 any intentional self injury, or attempt at same, suicide or illegal or criminal act committed by the Member; or
6.6 trauma or injury resulting from any civil disturbance and any incidental measures taken by the relevant authorities in such circumstances to deal with the civil disturbance; or
6.7 trauma or injury resulting from a member engaging in or taking part in flying in an aircraft or aerial device other than as a passenger in an aircraft licensed to carry passengers; or
6.8 traumatic injury to the spine where the injured party has failed to wear an available seatbelt restraint, and where, in the opinion of the Nominated Medical Practitioner, failure to do so has resulted in the total or substantial paraplegia or tetraplegia; or
6.9 an injury that occurred from a trauma at a time when the member had consumed drugs and/or alcohol which on blood analysis creates a level greater than 0.05 per cent alcohol by volume provided. However, if the member was a passenger in a motor vehicle then the Board may in its discretion decide that the blood alcohol level of the member/passenger is not a relevant factor; or
6.10 a member engaging in, or taking part in training for, professional sports of any kind, motor vehicle or motor cycle racing (whether as a driver or a passenger) or the racing or preparation for racing of any kind; or
6.11 the use, existence or escape of nuclear weapons material or ionising radiation from or contamination by radioactivity from any nuclear fuel or nuclear waste from the combustion of nuclear fuel; or
6.12 pregnancy, childbirth, miscarriage or the complications of these conditions; or
6.13 an act of terrorism.
7. Upon the occurrence of a Relevant Event, the Member concerned shall advise PBF of the occurrence of the Relevant Event in writing within 28 days of the date on which the Relevant Event occurred.
8. The manner and amount of the payment of benefit, as determined to be made in the absolute discretion of the Board to an eligible member following the occurrence of a Relevant Event, shall be in accord with the Schedule of Benefits as current at the time of acceptance of the membership application and subject always to the Terms and Conditions herein contained. Payment to an Eligible Member who is less than 18 years of age will be made to the legal guardian of the Eligible Member.
9. An Eligible Member is a Member:
To whom a Relevant Event has occurred and who has not been excluded by reason of matters set out in paragraph 6 of these Terms and Conditions; and
Who has advised PBF of the occurrence of the Relevant Event within the timeframe stipulated in paragraph 7 (above); and
Who has at the time of the occurrence of the Relevant Event:
I In the case of an individual has paid the subscription required by PBF within the time frame in these Terms and Conditions;
II In the case of a family member:
d) Paid the family membership subscription in the amount required by PBF within the time frame as specified by these Terms and Conditions; and
e) Is a family member as defined in paragraph 9 (d) of these Terms and Conditions.
f) A family member is the husband or defacto husband and wife or defacto wife and the children of their union, or the children of either of them, who are less than 17 years of age, and who are named on the membership application.
10. Initial membership of PBF shall commence on the day of the receipt by PBF of both the signed Application and payment of the annual membership fee (subject to clearance of the funds) ("the Start Date") and shall continue for a period of 12 calendar months, or such further period (not exceeding 30 days) as to extend to the last day of the month in which the Member joined ("the Renewal Date"). Subsequent periods of membership shall commence on the Renewal Date, subject to payment of the membership fee within 28 days of the Renewal Date, and continue for a period of 12 calendar months. Subject to the Constitution of PBF, membership shall be cancelled at the request of the member or shall be automatically cancelled if the membership subscription is in arrears for a period of more than 28 days.
11. The benefit, as determined to be paid by the Board following the exercise of its discretion herein, shall be paid to the Eligible Member within three months of the date of the exercise of the discretion of the Board to pay a member benefit payment. Payment to an Eligible Member who is less than 18 years of age will be made to the legal guardian of the Eligible Member.
12. Membership benefits shall cease upon a Member residing outside of Australia for a period greater than three months.
13. Members aged 80 years or more are ineligible to claim the discretionary member benefit. However, this will not prejudice any eligibility to claim the discretionary member benefit which arises due to an incident that occurs before a member reaches 80 years.
SCHEDULE OF BENEFITS PAYABLE
1. Subject to the Terms and Conditions herein appearing, and in the event of total or substantial paraplegia or tetraplegia as determined by the Nominated Medical Practitioner and following upon a Relevant Event, then an Eligible Member of the Fund is entitled to be assessed to receive a benefit to a maximum sum of $100,000.
