The importance of updating your will
The importance of updating your will
Life’s journey is filled with important life moments, each shaping the legacy we leave behind. As we navigate life, it’s natural to consider how our loved ones will remember us and the impact we’ve made.
Just as life changes, so should your will. Let’s explore a story that may resonate with you and see how updating your will can help avoid family conflict and make things easier for you and those you love.
Sue’s story
For Sue, creating a new will was a priority once she turned 65. While she did previously have a will created through a solicitor, when it came to creating one, Sue chose to use State Trustees on a recommendation from friends.
“I am at an age where I thought I needed to get organised. My existing will was crafted when my daughter was just a year old, and now she’s 38. It was long overdue for an update.
Given there is only me and my daughter, I didn’t want to leave her with a big mess to clean up and I knew from past experience that State Trustees had a very efficient system in place when it comes to wills.
The entire process was very simple and fast. I made an online enquiry and then booked a face-to-face appointment with one of the will writers.
With State Trustees, I could do everything. I left wishes for my funeral and made sure there were clear instructions for my assets so my daughter didn’t have to worry about any of that, which was so important.”
When should I update my will?
As a parent or grandparent, Sue’s story resonates with those wanting to ensure their family’s future is secure. While it’s crucial to recognise the life events that trigger a review of your will, we understand it can be difficult to know what those life events are. That’s why the expert will writing team at State Trustees have created a free guide that covers the top 8 reasons that should trigger a review of your will and Power of Attorney. Download your copy for free and use it as a guide to make sure your wishes will be fulfilled, and your will remains legally valid.
Free Guide | 8 Reasons to Update Your Will Regularly
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Stay Safe Online: How to Recognise and Report Scams in Australia
On this page:
What are scams and cybercrime?
Scams and cybercrime are growing online threats that affect thousands of Australians each year. These crimes involve deceptive tactics designed to trick you into giving away money, personal information, or access to your devices and accounts.
Cybercrime includes any criminal activity such as identity theft, online fraud, and image-based abuse, carried out using computers, mobile devices, or networks. Scams, often delivered via email, SMS, phone or social media, can appear very convincing and are designed to pressure or mislead you.
This page explains how to:
- Recognise a scam or cybercrime
- Report it to the right authority
- Get support if you’ve been affected
How to report cybercrime
ReportCyber
You can report online crimes such as:
- Identity theft and online fraud
- Cyberbullying, online stalking or harassment
- Abuse involving private or intimate images
- Scams involving fake investments or romance
- Hacked or affected computers and accounts
ReportCyber
Report a cybercrime with ReportCyber
What to do if you’ve been scammed
If you’ve been affected:
- Stop all contact with the scammer
- Block, ignore or mute them on your devices or accounts
- Update your privacy settings on social media and online accounts
- Change passwords on accounts that may have been affected
Reach out for support through the services listed below
Get help and information from trusted services
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ScamWatch: Gives advice on how to avoid scams and lets you report them.
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eSafety: Helps remove harmful content and supports people affected by online abuse.
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IDCARE: Helps people affected by identity theft or data breaches. Call 1800 595 160.
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Australian Financial Complaints Authority: Helps resolve complaints about banks and financial products.
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Consumer Affairs Victoria: Provides advice if you have issues with online purchases or sellers.
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Australian Competition and Consumer Commission: Explains your consumer rights and where to get help in your state.
Scam alerts from key organisations
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Australian Taxation Office (ATO): Check and report tax scams.
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Commonwealth Bank (CBA): The latest bank scam alerts.
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Telstra: Phone and internet scam alerts.
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Services Australia (Centrelink, Medicare, myGov): Current scams and reporting.
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Australia Post: Mail and delivery scams.
Financial support after a scam
If you have been a victim of a crime, you may be eligible for support. Visit the Financial Assistance Scheme (FAS) to find out what help is available.
Scam prevention tips
1. Take a moment before you click
If a message feels urgent or suspicious, stop and check it through official channels or double check the request with a trusted loved one
2. Keep personal information private
Never share banking details, passwords or personal info by text, email or social media. Legitimate organisations won’t ask this way.
3. Protect your accounts
Use strong passwords and turn on two-factor authentication (2FA) to add extra security to your logins.
4. Be vigilant
If in doubt call or connect with the service provider using their official phone number listed on their websites (don’t use the links inside the scam emails), before making any decision
Stay informed and share what you know
The more people who understand how scams work, the harder it is for scammers to succeed. Share this information with friends, family and your community.
Privacy and Security
At State Trustees we believe it is important that people can trust us to collect, hold, use and disclose their personal information properly. To keep you informed, we have set out below our approach in relation to the way that we collect, hold and disclose information about individuals.
On this page:
Overview
State Trustees values and is committed to maintaining responsible and transparent information-handling practices. This policy summarises our approach to collecting, holding and disclosing information about individuals, including clients, employees, and service providers.
This policy applies to all State Trustees and STL Financial Services Limited employees, directors and contractors.
We handle personal and health information in accordance with the:
- Australian Privacy Principles (APPs) under the Privacy Act 1988 (Commonwealth)
- Information Privacy Principles (IPPs) under the Privacy and Data Protection Act 2014 (VIC)
- Health Privacy Principles (HPPs) under the Health Records Act 2001 (VIC)
We may also collect personal and health information because of the requirements of Commonwealth, State and Territory laws, including laws governing trusts, wills, and the administration of estates.
We may update this policy from time to time. Any changes to this policy will be published on the State Trustees website.
Definitions
Personal information
Personal information is information or an opinion (including information or an opinion forming part of a database), that is recorded in any form and whether true or not, about an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion.
Examples of personal information include a person’s name, sex, date of birth, address, financial details, marital status and education and employment history. Under the IPPs and HPPs, personal information does not include information of a kind to which the Health Records Act 2001 (Vic.) applies.
Sensitive information
Sensitive information is information about an individual’s racial or ethnic origin, political opinions and membership of political associations, religious or philosophical beliefs, sexual preferences or practices, criminal record, or membership of a professional or trade association. The law puts special restrictions on its collection.
Health information
Health information is personal information or an opinion about a living or deceased individual’s:
- Physical, mental or psychological health
- Disability
- Expressed wishes about the future provision of health services to them
- Access of a provided health service, or service to be provided to an individual
Principles contained in the Health Records Act 2001 will apply to the collection, use, storage and disclosure of health information.
Our services
State Trustees is a state-owned company and the public trustee for Victoria, Australia. As an unlisted public company, the State of Victoria is our sole shareholder. For generations, we have been administering deceased estates and managing the financial and property affairs of people who are unable to do so themselves, due to disability, mental illness or other incapacity.
State Trustees provides clients with estate planning and administration during all stages of their life, including specialised services and products such as Will Writing, Powers of Attorney, Executor Services, Trustee Services and Financial Administration.
Some of State Trustees’ services are carried out in consultation with other public sector organisations or contracted service providers.
Use of cookies on this website
Cookies
This website uses cookies to improve your browsing experience and make our site more efficient for you. Cookies are small data files stored on your device by a web server. They cannot access data on your hard drive, spread viruses, or capture your email address. Cookies remain on your device for future visits to enhance usability.
You can adjust your browser settings to notify you when cookies are used, allowing you to accept or decline them. You can also disable cookies entirely or delete existing ones through your browser settings.
Website analytics
State Trustees uses tools like Google Analytics, and Hotjar to gather insights into how visitors interact with our website. These tools collect data such as page visits, time spent on pages, user actions, and heatmap information about how users navigate the site.
All information collected is anonymised and used for statistical analysis to help us improve the relevance and effectiveness of our website content. These tools rely on third-party cookies and JavaScript to collect this data.
Social Media
State Trustees engages with the public through social media platforms like Twitter, Facebook, YouTube (a Google company), Instagram and LinkedIn. If you interact with us on these platforms, we may collect your personal information to enhance our communication with you and the broader community.
These social media platforms and any other hyperlinked website found on this website handles your personal information according to their own privacy policies. You can review their policies directly on their respective websites: Facebook, YouTube, Instagram and LinkedIn.
The information we collect
The types of personal and health information that we collect and process about you will depend on our relationship with you. It will include some or all of the following:
- Applications, enquiries, submissions, surveys and complaints;
- Your name, address, date of birth, contact details, and other personal details that may assist us in providing our services and products to you (or to support another person) now or at a later date;
- Financial information, where it is relevant to the particular service we are providing;
- Information about the status of the services we are providing to you (for example, whether you have appointed us under an enduring power of attorney that may be inactive);
- Information about the manner in which you may wish us to act in relation to services we provide you (for example, any instructions you may give us for the preparation of a Will); and,
- Information about your preference for the services and products we offer from time to time and about your dealings with us.
How we use your information
We may use your information for the following purposes:
- For the purposes for which it was collected;
- Where we are permitted, authorised or required to do so by law;
- To assist us in effectively providing services and products to you;
- To enable us to confirm your identity when dealing with you and generally to maintain our relationship with you;
- To assist in the proper functioning and development of our operations (for example, to ensure we act within requirements relating to risk management, trustee, fiduciary and any other legal obligations);
- For State Trustees’ research and planning purposes, such as administering, managing and developing our services and products;
- To inform you about services and products we think might interest you; and
- To process any job applications, and if you are successful, create and maintain your employee record.
We take reasonable steps to ensure that personal and health information held is accurate, complete and up-to-date. Usually, State Trustees relies on individuals to provide accurate and current information to us in the first instance, and to notify us when circumstances or details change.
You can advise us at any time if you do not wish to receive marketing or research communications. If you opt out, we will no longer send you information about additional services or opportunities that may be of interest. Whenever we contact you for marketing or research purposes, we will provide a clear and easy way for you to opt out of future communications
Disclosure of information
We may also disclose your information to third parties (other persons or organisations):
- Where they are a related company or entity;
- Where we have contracted an external person or organisation to provide support services (such as third‐party suppliers, service providers providing archival, printing and posting, consulting, technology and security services, mailhouses, and our advisers, agents and representatives) and that person or organisation has agreed to observe our privacy standards;
- Where that person or organisation assists us with any of our financial planning, trustee, custodial or personal investment products or services, including superannuation and managed funds organisations and their advisers, organisations in which you invest, and other persons;
- Who are organisations involved in our normal business practices;
- As permitted, authorised or required by law to do so (for example, where information is required by authorities that regulate us, or in response to Court Orders, or where we are obliged by law to decide how we are to act in a person’s interests);
- Who are your advisers or representatives, including financial and legal advisers, their service providers, and entities to which they are responsible;
- Where that person or organisation wishes to acquire or sell an interest in all or part of our assets and business, and any advisers to such a person or organisation;
- Who are involved in maintaining, reviewing and developing our business systems, procedures and infrastructure, including testing and upgrading our computer systems;
- Who are involved in the payments system including financial institutions, merchants and payment organisations;
- In connection with estates, to records‐holders and other parties who may be able to assist in the course of genealogical or other research to locate beneficiaries, or other persons who are, or were, associated with our clients;
- In some situations, where an individual’s consent has been sought to use or provide information to others;
- Who (in the case of third parties to whom we may disclose information) may be located in other countries. While those third parties will often be subject to confidentiality or privacy obligations, you agree (where you consent to this privacy policy) that they may not always follow the particular requirements of Australian privacy laws.
How we keep information secure
All areas of State Trustees have security measures aimed at protecting personal and health information from misuse, loss, unauthorised access or disclosure.
We hold information in a combination of hardcopy and electronic records. The information is held at our own premises, or in the control of our personnel or service providers.
Where required, we will transfer hard‐copy records (which in some cases will include personal and health information) to the Public Records Office of Victoria. Where obliged to do so, we takereasonable measures to destroy or de‐identify information that is no longer required for one or more of the purposes for which it was collected.
State Trustees periodically reviews its ongoing need to collect and keep information.
Accessing information held by us
You may access the information we hold about you and ask State Trustees to update and/or correct it, subject to certain exceptions. State Trustees will not charge a fee for your access request, but may charge an administrative fee for providing a copy of your information. To protect your information, we may require identification from you before releasing the requested information.
In some circumstances, there may be reasons why we will not act on a request, such as where it would have an unreasonable impact on the privacy of others, or we may not be permitted to do so by law.
Your information for recruitment
If you apply or register your interest for a position with us, we may collect your personal information, including your name, resume, identification and contact details and the result of preemployment checks including ability and aptitude tests, criminal history checks and bankruptcy checks. We sometimes engage service providers to assist us in the recruitment process, including recruitment agencies, providers of ability and aptitude tests, information brokers, and recruitment website operators.
Where we do this, we may exchange your personal information with those service providers, who may be located outside Australia. In some cases, those service providers may collect your personal information directly and retain it for their own purposes, so you should ensure that you are aware of their privacy policies.
We may also exchange your personal information with referees, educational institutions and professional bodies. We may not be able to consider you for employment at State Trustees if we are unable to collect your relevant personal information.
Breaches of this policy
Information privacy complaints can be made verbally or in writing to the State Trustees Privacy Officer. If the complaint is complex, the complainant will be invited to submit their complaint in writing.
Following receipt of a privacy complaint, the below actions will occur simultaneously or in quick succession:
- Breach containment and preliminary assessment/ investigation
- Evaluation of the risks associated with the breach
- Notification to appropriate delegates and authorities, where appropriate
State Trustees will endeavor to make a decision on all complaints within 28 working days. State Trustees will confirm the assessment and outcome to the complainant in writing. This may include accepting the complaint in full or part, declining to allow the complaint or referring the complaint to the Office of the Victorian Information Commissioner.
Information privacy complaints are recorded in a Complaints Register, maintained by our Client Feedback team.
Any breach of the policy by State Trustee employees may result in disciplinary action being taken per the State Trustees Performance and Misconduct Policy. In addition, a breach of this policy may constitute a breach of the Code of Conduct.
What happens if you do not provide us with information?
If you do not provide State Trustees with any of the personal information that we request, it may affect our ability to meet our obligations or provide services and products to you.
To find out more or make a complaint
State Trustees investigates and resolves privacy complaints with fairness, integrity and respect for the rights of the individual.
If you have a privacy complaint or wish to discuss our information handling practices further, please contact the State Trustees Privacy Officer:
Privacy Officer, State Trustees Limited
Postal: 1 McNab Avenue, Footscray, VIC 3011
Phone: 03 9667 6200
Email: Privacy@StateTrustees.com.au
Terms & Conditions
Disclaimer
State Trustees Limited (ABN 68 064 593 148) (State Trustees) has developed the Online Will as a service to allow the preparation of a will. The information given in the Online Will does not constitute legal advice, nor is it a substitute for legal advice. State Trustees has made every effort to ensure the information in the will is consistent with the laws of each State and Territory of Australia, however these laws may be subject to change from time to time so State Trustees does not make any warranty as to the accuracy, validity or enforceability of the Online Will or resultant will.
State Trustees accepts no responsibility for the manner in which any will is completed nor whether it will be valid upon completion, nor whether the will is appropriate, having regard to the particular circumstances which prevail. By providing this Online Will, State Trustees does not provide any legal advice and will not review the will at any stage. To avoid doubt, the Online Will is unrelated to other State Trustees services and State Trustees will not store or retain any information provided except to the extent required for the use of the Online Will or as required by law.
In using the Online Will, you acknowledge that you are not receiving legal, financial or tax advice from State Trustees, and that State Trustees is not responsible for ensuring the accuracy of the information you provide in response to the questions asked in the fields provided. You also agree that you will read and follow the instructions contained in the Online Will while preparing the will. If you are unsure about whether this Online Will is suitable for your circumstances, it is highly recommended you seek the assistance of a legal or will writing professional. You understand that the Online Will is not suitable for those with complex circumstances such as for those with a previous spouse, children with a previous partner, those wanting to set up a Special Disability Trust for their disabled child, those planning to exclude someone from their will, those with valuable assets where estate taxes may apply such as investments, stocks, overseas property etc.
By using the Online Will, you accept the following terms:
1. Terms of Use
- This Agreement is made between you and State Trustees Ltd (ABN 68 064 593 148) (State Trustees), regarding your use of the interactive online legal will (Online Will ). By accepting the terms of this Agreement, a binding agreement is made between you and State Trustees.
- State Trustees does not guarantee that the Online Will is free of errors or is up to date. The Online Will is provided “as is” and State Trustees does not warrant or guarantee the accuracy, availability or completeness of the information provided with the Online Will.
- To the extent permitted by law, State Trustees excludes all liability in contract, tort (including negligence) or otherwise, arising from or in connection with the use of the Online Will.
2. No Advice Provided
- The information provided with the Online Will should not be construed as the giving of advice or the making of a recommendation and in particular, should not be relied on as legal, financial or tax advice.
- State Trustees will not review the will generated by you using the Online Will and will not advise you as to the validity or its accuracy or appropriateness of the resulting will for your intentions or circumstances.
- You acknowledge that your use of the Online Will does not create a solicitor-client relationship between you and State Trustees. If you are unsure if the Online Will is appropriate for your circumstances, it is important that you seek the advice of a will or legal professional to advise you on your specific situation.
3. Accessing the Online Will and Payment
- You must complete payment before you will have access to the Online Will. Once payment is received, State Trustees will provide you with access to a temporary online account to commence preparation of the will.
- You are responsible for the protection of any login and password details provided by State Trustees, and are responsible for any consequences arising from their misuse or disclosure.
4. Restrictions on Your Use
- The Online Will is provided for your personal use only and is not to be used to prepare a will for anyone else.
- To the extent permissible under applicable law and except as expressly permitted under this Agreement, you must not, and must not allow any other person to:
- Use the Online Will or the information or content disclosed to you via the Online Will in any way which is unlawful, offensive or results, or could result, in damage to property or injury to any person; or
- Sub-license, disclose, resell, publish, transmit or otherwise make available to any third party any part of the Online Will; or
- Knowingly transmit any virus, worm, Trojan horse or other disabling feature or malicious code to or via the Online Will; or
- Modify, copy or create derivative works based on the Online Will or reverse engineer the Online Will (except to the extent permitted by non-excludable laws); or
- Attempt to gain unauthorised access to, or disrupt or bypass the security, integrity or performance of, the Online Will or any data contained in it.
5. Changes to the Online Will
- State Trustees may, but is not obliged to, add to, remove, update or vary the Online Will platform, or any functionality or information provided by the Online Will platform, at any time without notice to you. Once incorporated, these changes will form part of the Online Will platform. For the avoidance of doubt, State Trustees will not add to, remove, update or vary in any way, any draft and final will produced by use of the Online Will platform.
- You agree that you enter into this Agreement without relying on any warranty, representation or comments concerning any future functionality or features of the Online Will.
- Your ability to use the Online Will is at all times subject to the availability of our infrastructure and data services. State Trustees accepts no responsibility for your inability to access and use the Online Will in circumstances where our infrastructure or data services are unavailable.
6. Intellectual Property
- Unless otherwise indicated, State Trustees owns, or uses under licence, copyright and other intellectual property rights in the content made available via the Online Will and the design of the Online Will. Except as set out in these terms, or as permitted by law, you must not reproduce, adapt, store in a retrieval system, transmit, print, display, perform, publish or create derivative works from any part of the Online Will, including for commercial purposes or for commercial gain.
- State Trustees grants you a non-exclusive, non-transferable, revocable licence to use the Online Will on any device that you own or control, in accordance with the terms of this Agreement.
- All trade marks, logos, images, product and company names referred to or made available via the Online Will are the property of State Trustees.
- State Trustees grants you a limited licence to copy and reproduce the will (including any draft and final wills) produced by use of the Online Will as required for the purposes of its review, execution, storage and retrieval.
7. Privacy
- In order to make full use of the Online Will , you will have to provide some of your personal information. State Trustees’ management of, and practices with respect to, collection, use and disclosure of personal information are set out in our Privacy Policy. State Trustees’ Privacy Policy forms part of this Agreement.
- If you have any questions in relation to privacy, please contact State Trustees by calling 1300 138 672.
8. Data and Personal Information
- You grant to State Trustees the right to use your data and personal information to enable your use of the Online Will . Any data and personal information you provide in using the Online Will will be only be used, accessed, disclosed and stored to the extent required to perform our obligations under this Agreement or as required by applicable law.
- State Trustees will take commercially reasonable steps to implement reasonable security measures to keep your data and personal information confidential and protected from unauthorised access and disclosure.
- If you include in the will personal information of a person other than yourself, you represent and warrant to State Trustees that you have that person’s consent to do so.
- It is your responsibility to ensure that any data or personal information you provide in using the Online Will is correct, accurate, up-to-date and complete.
- The Online Will will use the data and personal information to produce a draft version of your will, which you may review and amend as required, before producing a final version of your will.
- Once the Online Will has produced and sent you a final version of your will, all your data and personal information, including any draft wills and the final will, will be deleted from your Online Will account after 90 days. As a public office, State Trustees is required by law to keep a record of your account information and personal information (Records), but these Records will be securely archived and not be accessible on the Online Will platform or your account.
9. Final Version of the Will
- Each Online Will account will enable you to produce a final version of your will, which you, as account holder, will receive in a secure and locked format that cannot be further amended. You agree that any attempts to make, or making amendments, modifications or changes to the final version of the will are unauthorised uses of the Online Will.
- Unless you lodge the final will with State Trustees’ Victorian Will and Powers of Attorney Registry, State Trustees will not be aware of whether or not the final will has been executed. State Trustees is not responsible for contacting any executors under the will in the event of your death.
10. Warranties
- State Trustees takes due care and skill in providing the Online Will. Subject to your rights under law which cannot be excluded and to the fullest extent permitted by law, State Trustees excludes all conditions, warranties, representations, inducements or undertakings whether express, implied, statutory or otherwise in relation to the Online Will or the delivery of it, including but not limited to the following:
- State Trustees does not warrant or represent that any will generated by you using the Online Will will be accurate, valid, enforceable or appropriate for your circumstances, or that the Online Will will meet all of requirements or expectations;
- State Trustees does not warrant or represent that the Online Will, any information provided with the Online Will or your systems (including the internet and your device and its related software and downloading the Online Will) are complete, accurate, current or free from errors or omissions, programming bugs or viruses or secure or have full functionality; and
- The availability of the Online Will may be subject to numerous factors, including routine maintenance and factors outside our control (such as malfunction in equipment or software, Internet access difficulties, or delay or failure of transmission). Accordingly, State Trustees does not warrant or represent that the availability of the Online Will will be continuous or uninterrupted, that any defects will be corrected, or that the Online Will or server that makes it available is free of viruses.
- You warrant that you have not relied on any representation made by State Trustees which has not been stated expressly in this Agreement, or upon any descriptions or specifications contained in any document including brochures, marketing and promotional materials produced by State Trustees.
11. Liability
- To the extent permitted by law, where liability under any condition, guarantee or warranty cannot legally be excluded but can be validly limited, such liability is limited to in the case of goods, the replacement of the goods or the supply of equivalent goods; and in the case of services, the re-performance of the services or the payment of the cost of replacing the services.
- Without limiting clause 11(a), State Trustees is not liable for any loss or damage that is caused by any unauthorised use of the Online Will or the final version of the will.
- Subject to clause 11(a) and to the maximum extent permitted by applicable law, State Trustees is not and will not be liable to you under contract, tort or otherwise in any circumstances for any indirect, economic, special or consequential loss or damage, or in any event for any loss of revenue, loss of production, loss of use, loss of profit, loss of anticipated savings, business interruption, loss of goodwill, loss of data or corrupted data. In any event, State Trustees’ aggregate liability to you on any basis and in any circumstances (including liability for negligence) arising out of or in connection with this Agreement, the Online Will or its use, in respect of all events that give rise to liability, will not exceed, and is expressly limited to, the total amount paid by you to State Trustees to use and access the Online Will.
- You must take reasonable steps to minimise the extent of any loss or damage you may suffer as a result of the provision of the Online Will.
- You are liable to State Trustees if you breach this Agreement or act negligently or fraudulently under the principles applied by the courts. You agree to indemnify State Trustees and its officers, employees and agents, against all claims, demands, damages, costs, penalties and liabilities caused by:
- Your breach of this Agreement;
- Your, or any third party’s, reliance on your use of the Online Will or the final version of the will; and
- Any unauthorised use of the Online Will, including, but not limited to, any changes, modifications or amendments to the final version of the will.
12. Suspension or Termination
- State Trustees may, in its sole discretion, suspend, terminate or limit your access to the Online Will at any time if:
- You are in material breach of this Agreement;
- It is required by any applicable law;
- If it is necessary for maintenance or repair of relevant equipment or systems; or
- If there are any other reasonable grounds.
13. Governing Law
- This Agreement is governed by and construed in accordance with the laws of Victoria, Australia. You irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of Victoria.
14. Miscellaneous
- If any provision of this Agreement is found to be invalid or unenforceable by a court of law, such invalidity or unenforceability will not affect the remainder of this Agreement which will continue in full force and effect. All rights not expressly granted are reserved.
15. Terms and Conditions 20% off
The discount starts at 12 am Australian Eastern Daylight Time (AEDT) October 21, 2024
Online Will | |
Offer | 20% off Online Will with a coupon code. |
How to redeem offer | Purchase your Online Will using coupon code “FINAL20” within the 90 days of your Online Will account creation. |
Eligibility | Coupon code “FINAL20” must be used to redeem 20% off your Online Will. You must purchase and complete your Online Will within 90 days of account creation. After 90 days your account will be deactivated. |
Fees | The full price for an Online Will is normally $69 The full price is reduced to $55 with the offer. All fees are based on an individual Online Will purchase. |
Exclusions | Cannot be used in conjunction with any other offer |
All our standard fee terms and conditions apply and are outlined in our Guide to Fees and Charges .
About the Legal Will Kit
- The will kit is designed for people with simple and straightforward circumstances.
- The information given in the will kit does not constitute legal advice, nor is it a substitute for legal advice. Through the will kit, State Trustees Limited (State Trustees) has provided a means for you to prepare your own will.
- State Trustees has made every effort to ensure the information in the will kit is consistent with the laws of each State and Territory of Australia as at the time of issue to the purchaser; however, those laws may change after the date of issue.
- State Trustees accepts no responsibility for the manner in which you complete your will or whether your will is appropriate having regard to your particular circumstances.
- In using the will kit you agree that you will read the instructions contained in the will kit planning guide prior to preparing your will, and you will follow the instructions set out in the planning guide. If you are unsure about how to proceed, it is highly recommended that you seek the assistance of a will writing professional, such as State Trustees in Victoria or the public trustee in your State or Territory.
- In using the will kit, you acknowledge that you are not receiving legal, financial or tax advice from State Trustees
- State Trustees is not responsible for ensuring the accuracy of the information you set out in the template and forms provided.
- After you have completed your purchase, an email will be sent to the email address you have nominated on the buy now screen, containing a link to a designated site where you can access your will kit. This link will be active for 30 days and you will be able to save and/or print your will kit planning guide and will templates within this time frame as you see fit. Note, however, that once the 30-day period has expired, you will no longer be able to access the designated site, and State Trustees will not issue to you, or provide you with further access to, the will kit.
- The will kit planning guide and will templates will be displayed in Portable Document Format (PDF), allowing you to save and/or print the documents. The will templates are intended for manual handwritten completion.
- Unless you lodge your will with State Trustees’ Victorian Will and Powers of Attorney Registry, State Trustees will not be aware of whether or not you have executed a will. State Trustees is not responsible for contacting your executors in the event of your death.
Validity of the Will Kit
- Read the instructions in the will kit planning guide in full;
- Write in accurate information, such as correct names and relationships;
- Review the completed will carefully before signing; and
- Follow the signing and witnessing instructions set out in the will kit planning guide.
About the Power of Attorney Kit
- The information given in the kit does not constitute legal advice, nor is it a substitute for legal advice. This kit provides you with the relevant documents and instructions that you will need in order to prepare your own power of attorney documents.
- Power of attorney legislation is different in every State and Territory. It is important to make sure that the kit being purchased is for the State or Territory in which you live, as each State and Territory has its own laws for: (a) the types of power of attorney documents that are able to be used; (b) how a power of attorney must be prepared, signed and witnessed; and (c) how the power of attorney may be used. The kit includes legally valid forms that are designed for the state you have chosen to purchase. State Trustees Limited (State Trustees) has made every effort to ensure the information in the kit is consistent with the laws of the relevant jurisdiction as at the time of issue to you.
- State Trustees accepts no responsibility for the manner in which you complete your powers of attorney, nor whether your powers of attorney are appropriate having regard to your particular circumstances.
- In using the power of attorney kit you agree that you will read the instructions contained in the kit prior to preparing your power of attorney documents, and you will follow the instructions set out in the kit. If you are unsure about how to proceed, it is highly recommended that you seek the assistance of an estate planning professional, such as State Trustees in Victoria or the public trustee in your State or Territory.
- In using the power of attorney kit, you acknowledge that you are not receiving legal, financial or tax advice from State Trustees.
- State Trustees is not responsible for ensuring the accuracy of the information you set out in the template and forms provided.
- After you have completed your purchase, an email will be sent to the email address you have nominated on the buy now screen, containing a link to a designated site where you can access your power of attorney kit. This link will be active for 30 days and you will be able to save and/or print your power of attorney kit planning guide and power of attorney templates within this time frame as you see fit. Note, however, that once the 30-day period has expired, you will no longer be able to access the designated site, and State Trustees will not issue to you, or provide you with further access to, the power of attorney kit.
- The power of attorney kit planning guide and power of attorney templates will be displayed in Portable Document Format (PDF), allowing you to save and/or print the documents. The power of attorney templates are intended for manual handwritten completion.
- Unless you lodge your power of attorney documents with State Trustees’ Victorian Will and Powers of Attorney Registry, State Trustees will not be aware of whether or not you have executed a power of attorney. State Trustees is not responsible for contacting your attorney / agent / decision maker / guardian in the event of you losing capacity.
Validity of the Power of Attorney Kit
- Read the planning guide in the power of attorney kit in full;
- Write in accurate information, such as correct names and contact details;
- Review the completed power of attorney documents carefully before signing; and
- Follow the signing and witnessing instructions set out in the power of attorney kit planning guide.
Payment and Customer Details
Please refer to our privacy statement for more information.
Registration declaration terms
Registration Declaration for Will Information
- I acknowledge and agree that:
- My principal place of residence is in the Commonwealth of Australia.
- The information including, but not limited to, details of my nominated Executor(s) or Co-executor(s), the date of my Will and details of where my Will is held (Will information) will be kept on the Registry for 120 years from the date of my birth, unless I ask in writing for them to be removed.
- It is my responsibility to provide correct Will information, to keep the Will information on the Registry up to date, and to notify State Trustees immediately if there are any changes to the Will information previously provided by me. State Trustees bears no responsibility or liability for any incorrect or out of date Will information.
- I am responsible for informing the person(s) who may request information in the manner set out in clause 4.2 that State Trustees is holding my Will information, and I expressly acknowledge that in the event of my death, State Trustees will not take any active steps to locate or notify such person(s).
- When accepting my Will information, State Trustees will not check or express any opinion about it.
- State Trustees can cease to provide the Registry on 30 days’ notice provided to the last email or contact address provided by me.
- The terms and conditions of State Trustees’ Privacy Policy apply to me and the persons I authorise to have access to my Will. Where I have provided State Trustees with personal information of any other individual, I have made or will make the individual aware of State Trustees’ Privacy Policy, which is available at https://www.statetrustees.com.au/privacy-and-security/ and I, and/or my estate, will indemnify State Trustees for any loss or damage (including legal costs) arising by reason of my failing to provide such notification in the event that any such individual seeks or obtains compensation from State Trustees.
- I hereby expressly release State Trustees from any liability, and indemnify State Trustees and its employees and representatives from any claim that may be made by me or my estate, or any beneficiary of my estate, in the exercise of its operation of the Registry, or on ceasing to operate the Registry.
- Using the personal information I provide in data matching so that the identity of the person(s) requesting information in the manner set out in this clause can be confirmed.
- Releasing information about the date of my Will and details of where my Will is held (Will record), subject to any requirements under law, only as follows:
- to me, or to a person authorised in writing by me to access information on my Will record;
- to a person or persons who furnish to State Trustees evidence that satisfies State Trustees that he/she/they or it is/are:
- entitled to commence to act under or in respect of the will as:
- Executor or Co-executor; or
- applicant for a Grant of Letters of Administration with the will annexed;
- a member of my next of kin who is a principal beneficiary under my Will or estate;
- the legal personal representative of a person listed in paragraphs (a) and (b) above (inclusive); or
- the legal practitioner or other authorised agent of a person listed in paragraphs (a)-(c) above (inclusive).
I consent to State Trustees:
- Using the personal information I provide in data matching so that the identity of the person(s) requesting information in the manner set out in this clause can be confirmed.
- Releasing information about the date of my Will and details of where my Will is held (Will record), subject to any requirements under law, only as follows:
- to me, or to a person authorised in writing by me to access information on my Will record;
- to a person or persons who furnish to State Trustees evidence that satisfies State Trustees that he/she/they or it is/are:
- entitled to commence to act under or in respect of the will as:
- Executor or Co-executor; or
- applicant for a Grant of Letters of Administration with the will annexed;
- a member of my next of kin who is a principal beneficiary under my Will or estate;
- the legal personal representative of a person listed in paragraphs (a) and (b) above (inclusive); or
- the legal practitioner or other authorised agent of a person listed in paragraphs (a)-(c) above (inclusive).
Registration Declaration for Powers of Attorney Information
I acknowledge and agree that:
- My principal place of residence is in the Commonwealth of Australia.
- The information including but not limited to the name(s) of my Attorney(s), Alternative Attorney(s), Supportive Attorney(s), Alternative Supportive Attorney(s), Agent(s), Alternative Agent(s), Enduring Guardian(s), Alternative Enduring Guardian(s), the date of my Power(s) of Attorney or Enduring Power(s) of Guardianship (Powers of Attorney) and details of where my Powers of Attorney is held (Powers of Attorney information) will be kept on the Registry for 120 years from the date of my birth, unless I ask in writing for them to be removed.
- It is my responsibility to provide correct Power of Attorney information, to keep the Powers of Attorney information on the Registry up to date and notify State Trustees immediately if there are any changes to the information previously provided by me. State Trustees bears no responsibility or liability for any incorrect or out of date powers of attorney information provided by me.
- I am responsible for informing the person(s) who may request information in the manner set out in clause 3 that State Trustees is holding my powers of attorney information. At no point will State Trustees take any active steps to locate or notify such person(s) that State Trustees is holding my powers of attorney information.
- When accepting my Powers of Attorney information, State Trustees will not check or express any opinion about it.
- State Trustees can cease to provide the Registry on 30 days’ notice provided to the last email or contact address provided by me.
- I hereby expressly release State Trustees from any liability, and indemnify State Trustees and its employees and representatives from any claim that may be made by me or my representatives, in the exercise of its operation of the Registry, or on ceasing to operate the Registry.
- The terms and conditions of State Trustees’ Privacy Policy apply to me and the persons I authorise to have access to my Powers of Attorney, and where I have provided State Trustees with personal information of any other individual, I have made or will make the individual aware of State Trustees’ Privacy Policy available at https://www.statetrustees.com.au/privacy-and-security/ and I, and/or my estate, will indemnity State Trustees for any loss or damage (including legal costs) arising by reason of my failing to provide such notification in the event that any such individual seeks or obtains compensation from State Trustees.
- I consent to State Trustees:
- Using the personal information I provide in data matching so that the identity of the person(s) request for information in the manner set out in this clause can be confirmed.
- Releasing information about the date of my Power of Attorney and details of where my Power of Attorney is held (Power of Attorney record) at any time, subject to any requirements under law, only as follows:
- to me, or to a person authorised in writing by me to access information on my Power of attorney record;
- to a person or persons who furnish to State Trustees evidence that satisfies State Trustees that he/she/they are:
- in the case of an Enduring Power of Attorney: an Attorney (whether original or alternative);
- in the case of an Enduring Power of Attorney (Medical Treatment): the Agent (whether original or alternative);
- in the case an Enduring Power of Guardianship: the Enduring Guardian (whether original or alternative);
- in the case of an appointment of Supportive Attorney: the Supportive Attorney (whether original or alternative); or
- the legal practitioner or other authorised agent of a person listed in paragraphs (a)-(d) above (inclusive).
Social terms
Social media terms of use
The State Trustees Social Media Terms of Use (Terms of Use) sets out the rights of State Trustees when engaging with the public through its various social media pages. Users of State Trustees’ social media pages should refrain from using, or engaging with the social media pages if they do not accept these Terms of Use.
State Trustees reserves the right to alter these Terms of Use without any advance notice and to close any of its social media pages, for any reason, without notice.
When contributing your views to State Trustees’ social media pages, please respect other users and ensure that any material you share complies with the Terms of Use of each social network provider (e.g. Facebook, Twitter, LinkedIn.)
Acceptable use and moderation
State Trustees moderates the social media pages it operates during regular business hours and will moderate any material that is:
State Trustees reserves the right to permanently remove unsuitable content from its social media pages, without informing the user, including those that violate our Terms of Use and accepts no liability for any loss or damage caused by, or in connection with, such removal.
State Trustees does not undertake to inform users when their comments and posts are moderated. Repeat offenders may be blocked from contributing to State Trustee social media pages without any warning. Where we deem it appropriate, such as if we believe that the content is personal or affects other users’ enjoyment, we may remove comments and take the discussion ‘offline’ or into a private channel.
Responding to your enquiries
State Trustees will endeavour to respond to social media posts requesting further information promptly during business hours. We will not post responses outside of business hours.
Social media services may occasionally be unavailable, and State Trustees accepts no responsibility for lack of response due to network downtime.
Social Media Disclaimer
While State Trustees endeavours to maintain the currency, accuracy and completeness of the information published on its social media pages, information is subject to change. State Trustees therefore does not guarantee the currency, accuracy or completeness of the information published on its social media pages and users should verify this immediately before use.
Comments, visuals, videos and other material posted by users on State Trustees’ social media pages do not necessarily reflect the opinions or ideals of State Trustees, its employees or affiliates. State Trustees accepts no liability whatsoever for the content shared by other users and disclaims all responsibility for any loss or damage which may arise from the information contained on its social media pages.
Third party information
Links to external websites are sometimes provided as a convenience to users and do not imply endorsement of the linked website, service or person by State Trustees. State Trustees is not responsible for the content or reliability of links or any loss or inconvenience arising from their use.
Contact
If you have specific enquiries, we encourage you to contact State Trustees on 1300 138 672.
Website terms
Website terms of use
Welcome to the website of State Trustees Limited (ACN 064 593 148) (ABN 68 064 593 148) (“we”, “us” or “State Trustees”).
State Trustees is an unlisted public company that is wholly owned by the State of Victoria. State Trustees is an Australian financial services licensee.
The legal and financial services shown on State Trustees’ site are offered by State Trustees or its wholly owned subsidiary, STL Financial Services Limited (ACN 070 863 900). Any reference to State Trustees includes, unless inconsistent with the context, reference to STL Financial Services Limited.
This site is for general information purposes only and is not legal or financial advice. You should always consult a professional adviser before taking action based on information presented on this site. To the extent permitted by law, State Trustees disclaims any liability for action or inaction based on the information provided on this site or any other site accessed through links on this site. This website is located on the web via the domain https://www.statetrustees.com.au and includes all files located on that domain (“this site”).
1 Agreement to these Website Conditions of Use
By accessing this site, you agree to be bound by these conditions of use (“Website Conditions of Use”). These Website Conditions of Use constitute a binding agreement between you and State Trustees and govern your use of this site.
1.1 Privacy Policy
As part of these Website Conditions of Use, your use of this site is also subject to our Privacy Policy which is incorporated by reference into these Website Conditions of Use.
1.2 Legal capacity to transact
If you are under 18 years of age, you cannot place orders through this site. By using this site you represent and warrant to State Trustees that you are over the age of 18 years. Should State Trustees suffer any damage or other losses as a result of a transaction entered into by a minor, we reserve the right to seek compensation for such losses from his/her parents or guardians.
2 Accessibility
State Trustees’ website aims to be accessible for all Victorians. Please refer to our Accessibility Statement for the more information.
We continue to review and improve the accessibility of this site. If you are experiencing any difficulties accessing our content, please contact us online or call 1300 138 672
3 Restrictions on use
3.1 Prohibited conduct
You agree not to:
- Use any device, routine or software that interferes, or attempts to interfere, with the proper working of this site;
- Engage in any action that requires, or may require, an unreasonable or excessively large load on our infrastructure;
- Use this site to decipher passwords or security encryption codes, transmit any worms, viruses or Trojan horses, transfer or store illegal, threatening or obscene material or otherwise violate the security of any computer network;
- Use this site to violate any applicable local, state, national or international law, to engage in any misleading or deceptive online marketing practices or for any fraudulent or malicious purposes;
- Use any spider, robot or search/retrieval application or any screen scraping, data mining or similar data gathering device, process, program or means to access, retrieve or index any portion of this site;
- Use this site by any automated means;
- Use this site to transmit junk mail, spam or chain letters or pyramid schemes or engage in other flooding techniques or mass distribution of unsolicited email;
- Access, retrieve or index any portion of this site for use in constructing or populating any database that is searchable online or for the purpose of soliciting or sharing reviews;
- Interfere with the display of any advertisements appearing on or in connection with this site;
- Reverse engineer, decompile, disassemble, adapt, modify, translate, frame or reformat any of the material contained on this site;
- Reproduce, duplicate, copy or store any of the material appearing on this site other than for your own personal and non-commercial use;
- Falsely imply that any other website is associated with this site;
- Do anything that leads, or may lead, to a decrease in the value of State Trustees’ intellectual property rights on this site;
- Use or exploit any of the material appearing on this site for, or in connection with, any business or enterprise (whether for profit or otherwise), including any business or enterprise that is in competition with this site;
- Release to the public any news release, advertising material, promotional material or any other form of publicity or information relating to State Trustees without State Trustees’ prior written consent; or
- Use this site to transmit any information or material that is, or may reasonably be considered to be:
- Abusive, threatening, harassing, harmful, obscene, indecent, lewd, inflammatory, violent, vulgar, profane, racially, ethnically or otherwise objectionable or offensive in any way;
- Libellous, defamatory, pornographic, sexually explicit, unlawful or plagiarised;
- Infringing upon or violating any copyright, trademark, patent or other intellectual property or proprietary right;
- In breach of any duty of confidentiality by which you are bound, whether by way of a fiduciary or contractual relationship;
- In breach of any person’s privacy or publicity rights;
- A misrepresentation of facts, including the impersonation of any person or entity or a misrepresentation of an affiliation with any person or entity (including any sponsorship or endorsement);
- In violation of any applicable law, statute, ordinance or regulation, or encouraging of others to do so;
- Containing any political campaigning material, advertisements or solicitations; or
- Likely to bring State Trustees or any of its staff into disrepute.
- Abusive, threatening, harassing, harmful, obscene, indecent, lewd, inflammatory, violent, vulgar, profane, racially, ethnically or otherwise objectionable or offensive in any way;
- Libellous, defamatory, pornographic, sexually explicit, unlawful or plagiarised;
- Infringing upon or violating any copyright, trademark, patent or other intellectual property or proprietary right;
- In breach of any duty of confidentiality by which you are bound, whether by way of a fiduciary or contractual relationship;
- In breach of any person’s privacy or publicity rights;
- A misrepresentation of facts, including the impersonation of any person or entity or a misrepresentation of an affiliation with any person or entity (including any sponsorship or endorsement);
- In violation of any applicable law, statute, ordinance or regulation, or encouraging of others to do so;
- Containing any political campaigning material, advertisements or solicitations; or
- Likely to bring State Trustees or any of its staff into disrepute.
3.2 Violations of these Website Conditions of Use
Without limiting any other remedies available to State Trustees at law or in equity, State Trustees reserves the right to, without notice, temporarily or indefinitely suspend, or terminate, your access to this site or refuse to provide products or services to you if:
- You breach any provision of these Website Conditions of Use;
- State Trustees is unable to verify or authenticate any information that you provide to us; or
- State Trustees believes that your actions may cause damage and/or legal liability to State Trustees, any of its customers or suppliers or any other person
3.3 Indemnity
You indemnify and hold harmless State Trustees and its officers, employees, agents, consultants, licensors, partners and affiliates from and against any losses, liabilities, costs, expenses or damages (including actual, special, indirect and consequential losses or damages of every kind and nature, including all legal fees on a solicitor-client basis) suffered or incurred by any of them due to, arising out of, or in any way related to (directly or indirectly):
- Any material or information that you submit, post, transmit or otherwise make available through this site;
- Your use of, or connection to, this site; or
- Your negligence or misconduct, breach of these Website Conditions of Use or violation of any law or the rights of any person.
4 Orders
4.1 Order constitutes offer
By placing an order through this site, you make an irrevocable offer to us to purchase the products that you have selected pursuant to these Website Conditions of Use. Information contained on this site constitutes an invitation to treat only. No information on this site constitutes an offer by us to supply any products to you – however, State Trustees will endeavour to supply your selected products to you.
We will not commence processing any order made through this site unless and until:
- Payment for the order has been received by us in full; and
- The order has passed our internal validation procedures, which are undertaken in order to verify the bona fides of each order for the purpose of preventing credit card and other fraud.
We reserve the right at our discretion to:
- At any time prior to your order being accepted in accordance with these Website Conditions of Use, cancel all or part of your order; and
- At any time
- Refuse to provide products to you;
- Terminate your access to this site; and/or
- Remove or edit any content on this site.
4.2 Acceptance of orders
Acceptance of each order will take place if and when State Trustees:
- In the case of physical items, sends the requested items to you, at the time at which the items are dispatched by State Trustees; or
- In the case of digital items, either:
- Sends the requested items to you, at the time at which the items are sent by State Trustees; or
- Notifies you in writing that the requested items are available for download by you, at the time at which such notification is sent by State Trustees, and title to, and risk in, the items will pass from State Trustees to you at that time.
5 Prices
State Trustees reserves the right to change the prices for products displayed on this site at any time before you place an order.
5.1 GST
Unless otherwise expressly stated, all amounts payable through your use of this site are expressed to be inclusive of GST. For these purposes, the term “GST” has the meaning given to it in the A New Tax System (Goods and Services Tax) Act 1999 (Cth).
6 Payment methods
Payment for orders placed through this site may be made by credit card processed online using a secure third-party payment gateway.
6.1 Third party payment gateways
State Trustees may use one or more third party payment gateways to facilitate secure online payment transactions. Payments made through such payment gateways are subject to the terms and conditions and privacy policy of the relevant third-party providers. Unless you expressly consent otherwise, we do not see or have access to any personal information that you may provide to such third-party payment gateway providers, other than information that is required in order to process your order and deliver your purchased items to you (e.g., your name, email address, phone number and State).
6.2 Credit and debit card payments
All major credit cards and debit cards are accepted. Please note that in some cases we may be unable to accept credit cards issued by banks outside of Australia. State Trustees does not charge additional transaction fees for paying by credit card.
6.3 Refunds and other remedies
Except as expressly provided otherwise in these Website Conditions of Use, all amounts paid through this site are non-refundable. Further information on the steps that State Trustees will take to remedy any breach of any non-excludable condition or warranty/guarantee is provided under the heading “Remedies limited” in these Website Conditions of Use below.
6.4 Security
While our third party payment gateway and website hosting providers employ secure technology for transactions with our customers, we will not be responsible for any damages, including consequential losses (whether direct or indirect), that may be suffered by a customer whose credit or debit card or bank account information is used in a fraudulent or unauthorised manner by any person other than State Trustees.
State Trustees may request further information from you, such as a copy of your credit card and/or other identification documentation, as part of our internal validation procedures. These procedures help protect bank and credit card account holders from online fraud. Until your order has passed our internal fraud prevention checks, your order will remain on pending status. If further information is requested and you do not provide the requested information within such time as State Trustees considers appropriate at its discretion, your order will be cancelled and, if your payment has been received, it will be refunded back to you.
7 Intellectual property
7.1 Copyright
In these Website Conditions of Use, the term “Proprietary Content” means:
- This site;
- All of its content (including all of the text, graphics, designs, software, data, sound and video files and other information contained on this site, and the selection and arrangement thereof); and
- All software, systems and other information owned or used by State Trustees in connection with the products offered through this site (whether hosted on the same server as this site or otherwise).
All Proprietary Content is the property of State Trustees or its licensors (as applicable) and is protected by Australian and international copyright laws. You must not reproduce, transmit, republish or prepare derivative works from any of the Proprietary Content, except as expressly authorised by these Website Conditions of Use or with the prior written consent of State Trustees or other copyright owner (as applicable).
You may download and print out content from this site only for your own personal and non-commercial use and provided that you do not remove or modify any copyright, trademark or other proprietary notices.
7.2 Trademarks
State Trustees’ logo and the phrases “State Trustees”, “Wills on Wheels”, “Web Wills Wow”, ”State Trustees trusted partner”, “Let’s talk”, “Connected”, “State Trustees your interests at heart”, “I Will week love it? Will it”, “Cherished things”, “Live on” and “Wholehearted Protection” are trademarks of State Trustees. The look and feel of this site (including all button icons, scripts, custom graphics and headers) are the trademarks, service marks and/or trade dress of State Trustees. These trademarks (and any other trademarks of State Trustees), service marks and trade dress may not be used, copied or imitated, in whole or in part, without the prior written consent of State Trustees.
7.3 Copyright claims
If you believe that our site contains any material that infringes upon any copyright that you hold or control, or that users are directed through a link on this site to a third party website that you believe is infringing upon any copyright that you hold or control, you may send a notification of such alleged infringement to us in writing. Such notification should identify the works that are allegedly being infringed upon and the allegedly infringing material and give particulars of the alleged infringement. In response to such a notification, we will give a written notice of a claim of copyright infringement to the provider of the allegedly infringing material.
If the provider of that material does not respond to us in writing denying the alleged infringement within 14 days after receipt of that notice, we will remove or block the allegedly infringing material as soon as is reasonably practicable. If the provider of that material responds to us in writing denying the alleged infringement, we will, as soon as is reasonably practicable, send a copy of that response to the original notifying party. If the original notifying party does not, within a further 14 days, file an action seeking a court order against the provider of the allegedly infringing material, we may restore any removed or blocked material at our discretion. If the original notifying party files such a legal action, we will remove or block the allegedly infringing material pending resolution of that legal action.
8 Disclaimer of warranties
TO THE MAXIMUM EXTENT PERMITTED BY LAW, STATE TRUSTEES AND ITS OFFICERS, EMPLOYEES, AGENTS, CONSULTANTS, LICENSORS, PARTNERS AND AFFILIATES EXPRESSLY DISCLAIM ALL CONDITIONS, REPRESENTATIONS AND WARRANTIES (WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE) IN RELATION TO THIS SITE AND ANY PRODUCTS PURCHASED OR OBTAINED THROUGH THIS SITE, INCLUDING ANY IMPLIED WARRANTY/GUARANTEE OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.
This site is provided strictly on an “as is” basis. To the maximum extent permitted by law, State Trustees and its officers, employees, agents, consultants, licensors, partners and affiliates make no representation, warranty or guarantee as to the reliability, timeliness, quality, suitability, truth, availability, accuracy or completeness of this site or any of its content, and in particular do not represent, warrant or guarantee that:
- Past performance of investment funds is an indication of future returns;
- Neither the performance of any of the funds, nor the rate of return to investors;
- The use of this site will be secure, timely, continuous, uninterrupted or error-free or operate in combination with any other hardware, software, system or data;
- This site will meet your requirements or expectations;
- Anything on this site, or on any third-party website referred or linked to on this site, is reliable, accurate, complete or up-to-date;
- The quality of any products, information or other material purchased or obtained through this site will meet any particular requirements or expectations;
- Errors or defects will be corrected; or
- This site or the servers that make it available are free of viruses or other harmful components.
9 Limitation of liability
9.1 Exclusion of liability
To the maximum extent permitted by law, State Trustees and its officers, employees, agents, consultants, licensors, partners and affiliates exclude all liability to you or any other person for any loss, cost, expense, claim or damage (whether arising in contract, negligence, tort, equity, statute or otherwise, and for any loss, whether it be consequential, indirect, incidental, special, punitive, exemplary or otherwise, including any loss of profits, loss or corruption of data or loss of goodwill) arising directly or indirectly out of, or in connection with, these Website Conditions of Use or the use of this site by you or any other person.
9.2 Remedies limited
To the maximum extent permitted by law, State Trustees and its officers, employees, agents, consultants, licensors, partners and affiliates expressly limit their liability for breach of any non-excludable condition or warranty/guarantee implied by virtue of any relevant legislation to the following remedies (the choice of which is to be at State Trustees’ sole discretion):
- Rectification of the goods provided; or
- The supply of the services again.
9.3 Release
You agree that your use of this site is at your own discretion and risk. You agree to release State Trustees and its officers, employees, agents, consultants, licensors, partners and affiliates from any claim, demand or cause of action that you may have against any of them arising from these Website Conditions of Use or the use of this site by you or any other person. State Trustees may plead this release as a bar and complete defence to any claims or proceedings.
9.4 Force majeure
To the maximum extent permitted by law, and without limiting any other provision of these Website Conditions of Use, State Trustees excludes liability for any delay in performing any of its obligations under these Website Conditions of Use where such delay is caused by circumstances beyond the reasonable control of State Trustees, and State Trustees shall be entitled to a reasonable extension of time for the performance of such obligations.
10 General
10.1 Interpretation
In these Website Conditions of Use, the following rules of interpretation apply:
- Headings are for reference purposes only and in no way define, limit or describe the scope or extent of any provision in these Website Conditions of Use;
- These Website Conditions of Use may not be construed adversely against State Trustees solely because State Trustees prepared them;
- The singular includes the plural and vice-versa;
- A reference to a “person” includes an individual, a firm, a corporation, a body corporate, a partnership, an unincorporated body, an association, a government body or any other entity; and
- The meaning of general words is not limited by specific examples introduced by “including”, “for example”, “in particular” or similar expressions.
10.2 Notifications
State Trustees may provide any notification for the purposes of these Website Conditions of Use by email.
10.3 Costs
Except as specifically provided in these Website Conditions of Use, each party must bear its own legal, accounting and other costs associated with these Website Conditions of Use.
10.4 Assignment
You may not assign, transfer or sub-contract any of your rights or obligations under these Website Conditions of Use without State Trustees’ prior written consent.
State Trustees may assign, transfer or sub-contract any of its rights or obligations under these Website Conditions of Use at any time without notice to you.
10.5 No waiver
Waiver of any power or right under these Website Conditions of Use must be in writing signed by the party entitled to the benefit of that power or right and is effective only to the extent set out in that written waiver. Any failure by State Trustees to act with respect to a breach by you or others does not waive State Trustees’ right to act with respect to that breach or any subsequent or similar breaches.
10.6 Severability
The provisions of these Website Conditions of Use are severable and, if any provision of these Website Conditions of Use is held to be illegal, invalid or unenforceable under present or future law, such provision may be removed and the remaining provisions shall be enforced.
10.7 Variation
State Trustees reserves the right to amend these Website Conditions of Use and any other policy on this site at any time in its sole discretion and any such changes will, unless otherwise noted, be effective immediately. Your continued use of this site will mean you accept those amendments. We reserve the right, without notice and at our sole discretion, to change, suspend, discontinue or impose limits on any aspect or content of this site or the products offered through this site.
You may only vary or amend these Website Conditions of Use by written agreement with State Trustees.
10.8 Governing law and jurisdiction
These Website Conditions of Use will be governed in all respects by the laws of Victoria. The information is prepared for residents of Australia and the legal information presented may not apply in your location. The parties irrevocably submit to the non-exclusive jurisdiction of the courts of Victoria, Australia and the courts of appeal from them.
Purchase Orders
State Trustees makes payments to suppliers for the purchase of goods and services using Purchase Orders.
- A Purchase Order provides details about the goods or services including a description of the goods or service, the price per unit, the quantity, the GST payable and the delivery date.
- State Trustees will notify the supplier of the Purchase Order Number and the period of time it will operate.
- When a Purchase Order is used, suppliers are required to quote the Purchase Order Number on all invoices.
When State Trustees issues a Purchase Order, it will be issued either:
- Under a specific contract (for example, a Master Services Agreement or Services Agreement) between State Trustees and the supplier, or
- Under State Trustees’ General Conditions for the Provision of Goods; or
- Under State Trustees’ General Conditions for the Provision of Services.
General Conditions for the Provision of Goods
1 Supply of Goods
- The Supplier must supply the Goods to State Trustees in accordance with the Purchase Order and Specification and these Conditions.
- The Supplier must deliver the Goods to the Delivery Point by the Time for Delivery. Delivery will not be taken to have occurred until delivery is acknowledged in writing by State Trustees.
- State Trustees may vary, suspend or withdraw an order on giving the Supplier reasonable notice.
2 Acceptance or rejection of goods
- The Goods must conform to the Specification and any sample provided. If in State Trustees’ reasonable opinion, the Goods do not conform, State Trustees may, without limitation to any rights State Trustees may otherwise have, reject the Goods by written notice giving reasons.
- The Supplier must at its cost collect and remove any rejected Goods as soon as practicable, unless State Trustees elects to return the Goods at the Supplier’s expense.
- State Trustees’ acceptance or rejection of the Goods does not limit its rights under the Agreement, the Australian Consumer Law or otherwise.
3 Invoicing and payment
- The Unit Price is fixed and includes all packaging, transport, insurance, loading, unloading and storage costs and any other costs incurred by the Supplier.
- The Supplier must submit to State Trustees a tax invoice for the Purchase Price following the supply of the Goods containing the information necessary to be a tax invoice for the purposes of the GST Act together with such other information as State Trustees may reasonably require. The tax invoice must be sent to the address specified in the Purchase Order.
- State Trustees will pay the invoiced amount within 30 days of receipt of an accurate invoice. If State Trustees disputes the invoiced amount it must pay the undisputed amount (if any) and notify the Supplier of the amount in dispute. The parties will endeavour to resolve the dispute promptly and in good faith in accordance with clause 14.
- Payment is not to be taken as evidence that the Goods have been supplied in accordance with the Agreement but must be taken only as payment on account.
4 Title and risk
- Title in the Goods will pass to State Trustees upon payment for the Goods. Risk in the Goods will pass to State Trustees when the Goods are delivered to the Delivery Point and State Trustees accepts the Goods in accordance with clause 2.
5 Warranties
The Supplier warrants to State Trustees that:
- (Title) it has the right to sell and transfer title and property in the Goods to State Trustees and State Trustees will receive the Goods free from all encumbrances;
- (Capacity) it has the power to enter into and perform its obligations under the Agreement and that it has all necessary licences, permits and consents to enter into and comply with its obligations under the Agreement;
- (IP) it is entitled to use and deal with any Intellectual Property Rights which it may use in connection with the Goods;
- (Conflict) it and its Personnel do not hold any office or possess any property, are not engaged in any business or activity and do not have any obligations whereby duties or interests are or might reasonably be created in conflict with or might reasonably appear to be created in conflict with its obligations under the Agreement; and
- (Goods) the Goods:
- Are new and fit for the purpose stated in the Specification (or, if no purpose is stated, the purpose for which the Goods would ordinarily be used);
- Conform in all respects with the Specification;
- Are free from defects (including defects in installation); and
- Are of merchantable quality and comply with all Laws
Further, the Supplier must obtain for State Trustees, where provided for in the Specification, the benefit of any manufacturer’s warranties.
6 Indemnity
- The Supplier indemnifies State Trustees and each of its Personnel against any Loss that State Trustees may suffer as a result of:
- Any breach of the Agreement by the Supplier, including a breach of warranty or a breach in respect of which State Trustees exercises an express right to terminate the Agreement; or
- Any negligent act or omission or wilful misconduct of the Supplier or its Personnel, except to the extent that the Loss was caused or contributed to by the negligence or contractual breach of State Trustee or its Personnel.
7 Intellectual Property Rights
- The Supplier grants State Trustees a non-exclusive, perpetual, royalty-free transferable licence to use any Intellectual Property Rights in relation to any Goods supplied to the extent necessary to allow State Trustees full use and enjoyment of those Goods. The Supplier must, on State Trustees’ request, do all things necessary to give full effect to such rights.
8 Insurance
- The Supplier must maintain insurance cover at all relevant times for the greater of $5 million or an amount sufficient to cover any loss or costs for which the Supplier is liable in connection with the supply of the Goods, including product liability insurance to the value of the Purchase Order and, if applicable, public liability insurance. Product liability insurance must match any warranty period or 3 years after acceptance of the Goods, whichever is the greater.
- On request, the Supplier must provide State Trustees with evidence of insurance currency.
9 Confidentiality and privacy
- The Supplier and its Personnel must not use, disclose or otherwise make available any Confidential Information to any other person without State Trustees’ consent.
- The Supplier will promptly return or destroy (at State Trustees’ election) all Confidential Information and materials containing Personal Information on request or on termination or expiry of this Agreement.
- The Supplier consents to State Trustees’ publishing or otherwise making available information relating to the Supplier (and the provision of the Goods) as may be required by Laws.
- The Supplier acknowledges that it is bound by the Privacy Principles with respect to any act in connection with provision of the Goods in the same way as State Trustees would be bound had the relevant act been done by State Trustees.
- The Supplier will promptly inform State Trustees of, and cooperate in resolving, any actual or potential privacy-related breach or complaint.
10 Access
- When on State Trustees’ premises of, the Supplier must use reasonable endeavours to protect people and property, prevent nuisance, act safely and lawfully and comply with State Trustees’ safety standards, directions and policies (as notified).
11 Sub-contracting
- The Supplier must not sub-contract any obligation in relation to the supply of the Goods without the prior written consent of State Trustees (which may be given or withheld in its absolute discretion).
- The Supplier will not, as a result of any sub-contracting arrangement, be relieved from the performance of any obligation under the Agreement and will be liable for all acts and omissions of a sub-contractor as though they were the actions of the Supplier itself.
12 Compliance with Laws
- The Supplier must, in performing its obligations under the Agreement, comply with all applicable Laws.
- The parties agree that the consumer guarantees provided under Division 1 of Part 3-2 of the Australian Consumer Law will form part of the Agreement as if State Trustees were a consumer within the meaning of that law.
13 GST
Terms used in this clause have the same meanings given to them in the GST Act.
- Unless expressly stated, all prices or other sums payable or consideration to be provided under or in accordance with the Agreement are exclusive of GST.
- If GST is imposed on any supply made under or in accordance with the Agreement, State Trustees must pay the Supplier an amount equal to the GST payable for the taxable supply subject to receiving a valid tax invoice at or before the time of payment. Payment of the GST amount will be made at the same time as payment for the taxable supply is required to be made.
14 Dispute Resolution
- The parties must co-operate in good faith to resolve any dispute in connection with the Agreement.
- If the parties cannot resolve a dispute, it must be dealt with as follows:
- A party asserting a dispute must notify the other party in writing, with details (Notice of Dispute);
- If the dispute is not resolved within 14 days (or other agreed period), the parties must refer it to mediation by the Australian Disputes Centre (ADC) in accordance with ADC Mediation Guidelines; and
- If there is no resolution of the matter, then either party may commence legal proceedings.
- Despite any dispute, the Supplier will (unless otherwise requested in writing by State Trustees) continue to provide the Goods.
- This clause does not preclude either party from commencing legal proceedings for urgent interlocutory relief.
15 Termination
- The Agreement may be terminated by either party without cause on not less than 30 days’ written notice to the other party. No penalty will apply if the Agreement is terminated under this clause.
- The Agreement may be terminated by State Trustees immediately by written notice:
- If the Supplier commits a material breach and does not remedy it within 5 business days of written notice;
- If the Supplier assigns or sub-contracts the whole or part of this Agreement or there is a material change in the direct or indirect beneficial ownership or control of the Supplier, without the prior written consent of State Trustees; or
- If the Supplier becomes insolvent or if State Trustees reasonably suspects it is.
- The Supplier will be entitled to payment for the Goods provided only up to the date of termination. State Trustees may withhold any payments for Goods not supplied at the time of termination.
- Nothing in this clause limits:
- Any cause of action for breach of the Agreement or otherwise which accrued to State Trustees prior to any termination; or
- Any other rights and remedies available to State Trustees.
16 General
- The Agreement is governed by and is to be construed in accordance with the Laws. Each party irrevocably and unconditionally submits to the non-exclusive jurisdiction of the courts of Victoria and any courts with jurisdiction to hear appeals from those courts and waives any right to object to any proceedings being brought in those courts.
- Time is of the essence in relation to the supply of the Goods.
- The Agreement constitutes the entire agreement between the parties regarding its subject matter. Where the Supplier also provides services to State Trustees, these Conditions and the services conditions both apply, save that the services conditions prevail to the extent of any inconsistency.
- The Agreement may not be varied except in writing and signed by each party.
17 Interpretation
a. In these Conditions, unless the context otherwise requires:
Agreement means the agreement for the supply of the Goods of which these Conditions, the Specification and the Purchase Order form part.
Conditions means these General Conditions for the Supply of Goods.
Confidential Information means any technical, commercial, financial or other information of, or in any way related to, State Trustees, which is designated confidential or ought reasonably be considered confidential, which is disclosed, made available, or communicated to the Supplier, but excludes information:
- Which is in or which subsequently enters the public domain other than as a result of a breach of these Conditions;
- Which the Supplier can demonstrate was in its possession prior to the date of the Agreement;
- Which the Supplier can demonstrate was independently developed by it; or
- Which is lawfully obtained by the Supplier from another person entitled to disclose such information.
Delivery Point means the location(s) to which the Goods are to be delivered, as specified in the Purchase Order or as otherwise advised by State Trustees.
Goods means the goods (or any of them) specified in the Purchase Order.
GST Act means the A New Tax System (Goods and Services Tax) Act 1999 (Cth).
Intellectual Property Rights includes all present and future copyright and neighbouring rights, all proprietary rights in relation to inventions (including patents), registered and unregistered trade marks, confidential information (including trade secrets and know-how), registered designs, circuit layouts, and all other proprietary rights resulting from intellectual activity in the industrial, scientific, literary or artistic fields.
Laws means any applicable statute, regulation, by-law, ordinance or subordinate legislation in force from time to time in Australia, whether made by a State, Territory, the Commonwealth or a local government, and includes the common law as applicable from time to time.
Loss means loss, liability, claim, costs or expenses (including legal expenses) actual or contingent.
Personal Information has the meaning set out in the Privacy Act 1988 (Cth), and includes the fact that a person may be a represented person under the Guardianship and Administration Act 1986.
Personnel means a party’s officers, employees, contractors, agents and/or other representatives.
Privacy Principles means the Australian, information and health privacy principles, set out in the Privacy Act 1988 (Cth), the Privacy and Data Protection Act 2014 (Vic) and the Health Records Act 2001 (Vic), respectively.
Purchase Order means any form of order or acceptance from State Trustees for the supply of the Goods which incorporates these Conditions, or to which they are stated to apply.
Purchase Price means the sum ascertained by multiplying the Unit Price for the applicable Goods by the number of units delivered.
Specification means the specifications to which the Goods must comply, as set out in the Purchase Order, advised by State Trustees or as otherwise incorporated in the Agreement.
Supplier means the entity supplying the Goods under these Conditions.
Time for Delivery means the date and, where relevant, the time specified in the Purchase Order (or such other date or time as may be agreed in writing) by or on which delivery of the Goods must be effected by the Supplier.
Unit Price means the price per item of each of the Goods, as specified in the Purchase Order.
General Conditions for the Provision of Services
1 Provision of Services
The Supplier must provide the Services to State Trustees in accordance with the Agreement including these Conditions, and must:
- Complete the Services by the Completion Date (if any) and any other dates for delivery specified in the Service Schedule or Purchase Order and in accordance with all relevant policies and procedures of State Trustees as updated from time to time;
- Provide the Services in accordance with the Service Schedule and in a proper, timely and efficient manner using the standard of care, skill, diligence, prudence and foresight that would reasonably be expected from a prudent, expert and experienced provider of services that are similar to the Services;
- Ensure the highest quality of work and the delivery of the Services with the utmost efficiency;
- Act in good faith and in the best interests of State Trustees; and
- Provide any and all equipment necessary for the performance of the Services.
State Trustees may vary, suspend or withdraw an order on giving the Supplier reasonable notice.
2 Price for the Services
The Rates or Fees applicable to the Services are set out in the Purchase Order or Service Schedule, and are fixed. No additional charges or fees are payable by State Trustees to the Supplier unless agreed in writing.
3 Invoicing and payment
- The Supplier must submit to State Trustees a tax invoice in respect of the Services once they are completed, or at such other time or times as agreed by the parties. The tax invoice must contain the information necessary for the purposes of the GST Act together with such other information as State Trustees may reasonably require, and be sent to the address specified in the Purchase Order.
- State Trustees will pay the invoiced amount within 30 days of receipt of an accurate invoice. If State Trustees disputes the invoiced amount it must pay the undisputed amount (if any) and notify the Supplier of the amount in dispute. The parties will endeavour to resolve the dispute promptly and in good faith in accordance with clause 14.
- Payment is not to be taken as evidence that the Services have been supplied in accordance with the Agreement but must be taken only as payment on account.
4 Failure to perform
- Without limiting any other available remedy, if the Supplier fails to provide any of the Services in accordance with the Agreement, State Trustees will not be required to pay for those Services (until they are provided correctly) and may require the Supplier to remedy any default or re-perform the Services within the time specified in a notice (which must be reasonable having regard to the nature of the Services).
- If the default referred to in clause 4(a) is not capable of being remedied or the Services are not capable of being re-performed, or the Supplier fails within the time specified to remedy the default or re-perform the Services, State Trustees may, without limiting any other available remedy, either have the Services remedied or re-performed by a third party or do so itself. In either case, the Supplier must pay the reasonable costs incurred by State Trustees in doing so (beyond the costs State Trustees would have paid to the Supplier for satisfactory performance of the Services).
5 Warranties
- (Purpose) where State Trustees has, either expressly or by implication, made known to the Supplier any particular purpose for which the Services are required, the Services will be performed in such a way as to achieve that result;
- (Capacity) it has the power to enter into and perform its obligations under the Agreement, and that it has all necessary licences, permits and consents to enter into and comply with its obligations under the Agreement; and
- (Conflict) it and its Personnel do not hold any office or possess any property, are not engaged in any business or activity and do not have any obligations whereby duties or interests are or might reasonably be created in conflict with or might reasonably appear to be created in conflict with its obligations under the Agreement.
6 Indemnity
The Supplier indemnifies State Trustees and each of its Personnel against any Loss that State Trustees may suffer as a result of:
- Any breach of the Agreement by the Supplier, including a breach of warranty or a breach in respect of which State Trustees exercises an express right to terminate the Agreement; or
- Any negligent act or omission or wilful misconduct of the Supplier or its Personnel, except to the extent that the Loss was caused or contributed to by the negligence or contractual breach of State Trustees or its Personnel.
7 Intellectual Property Rights
- The Supplier warrants to State Trustees that it is entitled to use and deal with any Intellectual Property Rights which may be used by it in connection with the provision of the Services.
- The ownership of any Contract Intellectual Property shall vest in State Trustees upon the time of its creation.
- All Pre-Existing Intellectual Property used by the Supplier in connection with the provision of Services or the creation of Contract Intellectual Property remains the property of the Supplier or its licensors.
- The Supplier hereby irrevocably and unconditionally grants to State Trustees, free of additional charge, a non-exclusive, worldwide licence to use, adapt, reproduce and distribute any Pre-Existing Intellectual Property to the extent that:
- It forms part of or is integral to any Contract Intellectual Property or works or other items created by the Supplier in connection with the provision of Services or the creation of Contract Intellectual Property; and
- Such licence is necessary for State Trustees or its users to use the Contract Intellectual Property or works or other created items, or otherwise exercise the benefits of the Services.
- The ownership of Data, including any Intellectual Property Rights, shall vest in State Trustees upon the time of its creation, unless otherwise agreed.
- The Supplier warrants that it has or will procure a written consent from all necessary authors to State Trustees exercising its rights in the Data or Contract Intellectual Property in a manner that, but for the consent, would otherwise infringe the moral rights of those individuals.
8 Insurance
- The Supplier must maintain insurance cover at all relevant times for the greater of $5 million or an amount sufficient to cover any loss or costs for which the Supplier is liable in connection with the provision of the Services including professional indemnity and, if applicable, public and product liability insurance.
- On request, the Supplier must provide State Trustees with evidence insurance currency.
9 Confidentiality and privacy
- The Supplier and its Personnel must not use, disclose or otherwise make available any Confidential Information to any other person without State Trustees’ consent.
- The Supplier will promptly return or destroy (at State Trustees’ election) all Confidential Information and materials containing Personal Information on request or on termination or expiry of this Agreement.
- The Supplier consents to State Trustees’ publishing or otherwise making available information relating to the Supplier (and the provision of the Services) as may be required by Laws.
- The Supplier acknowledges that it is bound by the Privacy Principles with respect to any act in connection with provision of the Services in the same way as State Trustees would be bound had the relevant act been done by State Trustees.
- The Supplier will promptly inform State Trustees of, and cooperate in resolving, any actual or potential privacy-related breach or complaint.
10 Access
When on State Trustees’ premises, the Supplier must and must ensure that its Personnel must use reasonable endeavours to protect people and property, prevent nuisance, act safely and lawfully and comply with State Trustees’ safety standards, directions and policies (as notified to the Supplier).
11 Sub-contracting
- The Supplier must not sub-contract any obligation in relation to the Services without the prior written consent of State Trustees (which may be given or withheld in its absolute discretion).
- The Supplier will not, as a result of any sub-contracting arrangement, be relieved from the performance of any obligation under the Agreement and will be liable for all acts and omissions of a sub-contractor as though they were the actions of the Supplier itself.
12 Compliance with Laws and Policies
- The Supplier must, in performing its obligations under the Agreement, comply with all applicable Laws.
- The parties agree that the consumer guarantees provided under Division 1 of Part 3-2 of the Australian Consumer Law will form part of the Agreement as if State Trustees were a consumer within the meaning of that law.
- The Supplier must, and must procure that its Personnel must, comply with all State Trustees policies provided by the relevant State Trustees representative, including but not limited to:
- Code of Conduct;
- Occupational Health and Safety Policy;
- IT Security Policy.
- The Supplier must, and must procure that its Personnel must, comply with the reasonable directions of the State Trustees representative.
13 GST
- Terms used in this clause have the same meanings given to them in the GST Act.
- Unless expressly stated, all prices or other sums payable or consideration to be provided under or in accordance with the Agreement are exclusive of GST.
- If GST is imposed on any supply made under or in accordance with the Agreement, State Trustees must pay the Supplier an amount equal to the GST payable for the taxable supply subject to receiving a valid tax invoice at or before the time of payment. Payment of the GST amount will be made at the same time as payment for the taxable supply is required to be made.
14 Dispute Resolution
- The parties must co-operate in good faith to resolve any dispute in connection with the Agreement.
- If the parties cannot resolve a dispute, it must be dealt with as follows:
- A party asserting a dispute must notify the other party in writing, with details (Notice of Dispute);
- If the dispute is not resolved within 14 days (or other agreed period), the parties must refer it to mediation by the Australian Disputes Centre (ADC) in accordance with ADC Mediation Guidelines; and
- If there is no resolution of the matter, then either party may commence legal proceedings.
- Despite any dispute, the Supplier will (unless otherwise requested in writing by State Trustees) continue to provide the Services.
- This clause does not preclude either party from commencing legal proceedings for urgent interlocutory relief.
15 Termination
- The Agreement may be terminated by either party without cause on not less than 30 days’ written notice to the other party. No penalty will apply if the Agreement is terminated under this clause.
- The Agreement may be terminated by State Trustees immediately by written notice :
- If the Supplier commits a material breach and does not remedy it within 5 business days of written notice;
- If the Supplier assigns or sub-contracts the whole or part of this Agreement or there is a material change in the direct or indirect beneficial ownership or control of the Supplier without the prior written consent of State Trustees; or
- If the Supplier becomes insolvent or if State Trustees reasonably suspects that it is.
- The Supplier will be entitled to payment for the Services provided only up to the date of termination. State Trustees may withhold any payments for Services not supplied at the time of termination.
- Nothing in this clause limits:
- Any cause of action for breach of the Agreement or otherwise which accrued to State Trustees prior to any termination; or
- Any other rights and remedies available to State Trustees.
16 General
- The Agreement is governed by and is to be construed in accordance with the Laws. Each party irrevocably and unconditionally submits to the non-exclusive jurisdiction of the courts of Victoria and any courts with jurisdiction to hear appeals from those courts and waives any right to object to any proceedings being brought in those courts.
- Time is of the essence in relation to the provision of the Services.
- The Agreement constitutes the entire agreement between the parties regarding its subject matter. Where the Supplier also provides goods to State Trustees, these Conditions and the goods conditions both apply, save that these Conditions prevail to the extent of the inconsistency.
- The Agreement may not be varied except in writing and signed by each party.
17 Interpretation
In these Conditions, unless the context otherwise requires:
Agreement means the agreement for the provision of the Services of which these Conditions, the Purchase Order and the Service Schedule (if any) form part.
Code of Conduct means State Trustees’ Code of Conduct, as amended from time to time.
Completion Date means the date (if any) set out in the Service Schedule by which provision of the Services must be effected by the Supplier.
Conditions means these General Conditions for the Provision of Services.
Confidential Information means any technical, commercial, financial or other information of, about or in any way related to, State Trustees, which is designated as confidential or which ought reasonably be considered confidential, which is disclosed, made available or communicated to the Supplier, but excludes information:
- Which is in or which subsequently enters the public domain other than as a result of a breach of these Conditions;
- Which the Supplier can demonstrate was in its possession prior to the date of the Agreement;
- Which the Supplier can demonstrate was independently developed by it; or
- Which is lawfully obtained by the Supplier from another person entitled to disclose such information.
Contract Intellectual Property means any and all Intellectual Property Rights incorporated or comprised in any materials created by or on behalf of the Supplier in the course of providing the Services, except any Intellectual Property Rights in Data.
Data means any information, data or datasets created by or on behalf of the Supplier in the course of providing the Services.
Fees means a fixed fee payable to the Supplier for the provision of the Services.
GST Act means the A New Tax System (Goods and Services Tax) Act 1999 (Cth).
Intellectual Property Rights includes all present and future copyright and neighbouring rights, all proprietary rights in relation to inventions (including patents), registered and unregistered trade marks, confidential information (including trade secrets and know how), registered designs, circuit layouts, and all other proprietary rights resulting from intellectual activity in the industrial, scientific, literary or artistic fields.
Laws means any applicable statute, regulation, by-law, ordinance or subordinate legislation in force from time to time in Australia, whether made by a State, Territory, the Commonwealth or a local government, and includes the common law as applicable from time to time.
Loss means loss, liability, claim, costs or expenses (including legal expenses) actual or contingent.
Personal Information has the meaning set out in the Privacy Act 1988 (Cth), and includes the fact that a person may be a represented person under the Guardianship and Administration Act 1986.
Personnel means a party’s officers, employees, contractors, agents and/or other representatives.
Pre-Existing Intellectual Property means any and all Intellectual Property Rights in any works, items or systems which are the property of the Supplier and which existed in substantially the same form and with substantially the same contents prior to the commencement of the provision of the Services.
Privacy Principles means the Australian, information and health privacy principles, set out in the Privacy Act 1988 (Cth), the Privacy and Data Protection Act 2014 (Vic) and the Health Records Act 2001 (Vic), respectively.
Purchase Order means any form of order or acceptance from State Trustees for the supply of the Services which incorporates these Conditions or to which they are stated to apply.
Rates means the rates (whether charged on an hourly, daily, weekly or other time-related basis) payable to the Supplier for the provision of the Services.
Service Schedule means any form of order or acknowledgment from State Trustees for the provision of the Services which incorporates these Conditions.
Services means the services (or any of them) specified in the Service Schedule.
Supplier means the entity supplying the Services under these Conditions.
Family and friends
Terms and Conditions – Friends and Family Voucher for 20% off Will and Power of Attorney Appointments
20% off appointments for preparation of Wills, Powers of Attorney and Medical Treatment Decision Maker Authority documents.
Expiry
Discount vouchers are valid for one year from the date of issue. State Trustees Limited reserves the right to amend or withdraw the offer at any time and without notice.
Eligibility
Victorian Residents over 18 years of age.
Documents must be completed within 30 days from your appointment.
Fees
The standard fee for a single document is normally $330. This is reduced to $264 with the offer. Further discounts are also applied if you:
- You nominate State Trustees as your executor or;
- Activate your Financial Power of Attorney with State Trustees or;
- You’re a concession or seniors card holder⁷
Fees are subject to change without prior notice.
- Cannot be used in conjunction with any other offer and is not transferable or redeemable for cash or credit.
- The offer does not apply to Additional Services such as Off-site travel.
- Appointment fees for one document per person are based on 1 hour appointments.
All our standard fee terms and conditions apply and are outlined in our Guide to Fees and Charges
*Concession eligibility includes holders of a valid and current: Commonwealth Seniors Health Card, Centrelink Health Care Card, Centrelink Pensioner Concession Card, Veterans’ Affairs Pensioner Concession Card, Veterans’ Affairs Gold Card for all conditions.
Tax preparation promotion
Terms and Conditions – Tax Preparation Promotional Campaign
TAX25 promotional discount starts at 7am Australian Eastern Daylight Time (AEST) 25 August and ends 11.59pm AEST September 30 2025.
Promotional pricing disclaimer:
Our standard individual income tax return service is normally priced at $385 per person. During the promotional period, this service is offered at a discounted rate of $290 per person.
Pricing
- The $290 promotional price covers preparation and lodgment of one individual tax return, including income such as salary/wages, bank interest, dividends, and managed fund income.
- Returns involving rental properties, capital gains, business income, or extensive deductions will incur additional fees, charged at $363 per hour (pro-rata).
- The promotional price applies to the first tax return prepared and lodged. Additional years or subsequent visits will be charged at the standard rate of $385 or hourly rate of $363, as applicable.
- Services not included in the advertised fee: tax advice, financial accounts, SMSF accounts and returns, partnership or trust tax returns.
Exclusions
- Cannot be used in conjunction with any other offer.
- The offer does not apply to additional services such as off-site travel.
- You may re-schedule your initial phone call appointment but must complete it by September 30, 2025 to be eligible for the offer.
Eligibility
- Use code TAX25 when booking your free initial phone call to claim the promotional offer.
- Offer is available to Victorian residents aged 18 and over.
- The call must be booked and confirmed by September 30, 2025.
- You must attend and complete your tax return appointment by December 19, 2025.
How to redeem
Book a free 15-minute phone call with our team using the code TAX25 between August 26 and September 30. During the call, your tax accountant will tell you which documents are needed for them to complete your return. Your tax return must be finalised by December 19, 2025
Seniors Festival 20% off
Seniors Festival 2025 Terms and Conditions
20% off Wills and Powers of Attorney appointments for Victorians aged 60 and above – Terms and Conditions
The discount starts at 12 am Australian Eastern Standard Time (AEST) October 1, 2025 and ends 11.59pm (AEDT) October 31, 2025.
Offer
20% off preparation of Wills, Powers of Attorney and Medical Treatment Decision Maker Authority documents.
How to redeem
Book an appointment online at statetrustees.com.au or call us to book between October 1 and October 31, 2025 and attend by December 31, 2025.
Eligibility for Will and POA appointments
- Victorians over 18
- Appointments must be booked and confirmed between October 1 and October 31, 2025
- You must attend your appointment by December 31 2025.
Fees for Appointments
- The full price for a single document is normally $330.
- The full price is reduced to $264 with the offer
- All fees are based on an appointment time of 1 hour. Couples will be booked for two appointments (2 hours).
Exclusions
- Cannot be used in conjunction with any other offer except for the additional standard 20% Appointment Discount.
- The offer does not apply to Additional services such as Off-site travel.
- You can book and re-schedule your appointment after October 31, 2025, the offer will no longer apply regardless of when the appointment is attended.
All our standard fee terms and conditions apply and are outlined in our Guide to Fees and Charges
Accessibility information about this website
State Trustees is committed to ensuring our website information is accessible to all Victorians.
On this page:
Why accessibility is important
Everyone has the right to information and services that are easily accessible and inclusive to all. State Trustees is committed to ensuring our website information is accessible to all Victorians and we understand that this involves ongoing consultation and improvement.
How we have made our website more accessible
To demonstrate our commitment, we sought expert accessibility testing and remediation by Mainstay Digital. Based on this evaluation, the content tested on the State Trustees site aims to achieve a web accessibility compliance level of Web Content Accessibility Guidelines (WCAG) 2.1 of the World Wide Web Consortium (W3C) and incorporates relevant WCAG A and AA requirements in accordance with the recommendations of the Australian Human Rights Commission.
Writing style and structure
Our website is designed with clear, inclusive language and a user-friendly structure to ensure information is accessible to all, including people using assistive technologies.
Screen readers and assistive technologies
We’ve designed our website to be clear and easy to understand, using inclusive language throughout. Our content is structured to ensure:
Browsers and devices
The website works with modern browsers and automatically adjusts for optimal viewing on mobiles, tablets, and computers, offering a fully responsive experience.
Text resizing
To resize text:
- Zoom in: Press Control (or Command on Mac) + +
- Zoom out: Press Control (or Command on Mac) + –
Contrast and colours
We’ve tested color contrasts to ensure they’re accessible for users with vision impairments, adhering to WCAG 2.1 standards.
Contact us
We continue to review and improve the accessibility of this site. If you are experiencing any difficulties accessing our content, please contact us online or call 1300 138 672
Partnership Terms and Conditions
Australian Tax Office
Staff discount
20% off Online Wills and appointments – Terms and Conditions
The discount starts at 12am Australian Eastern Standard Time (AEST) 16 Jan 2024 and ends 11.59pm AEST 31 March 2024.
Will and Power of Attorney Writing Appointment
The 20% discount on Will and Power of Attorney Writing Appointments is only open to ATO staff living in Victoria who are 18 years or over.
You must enter the coupon code” atostaff20” when booking your appointment online or purchasing your Online Will. Discount cannot be used in conjunction with any other offer.
Fee summary including 20% discount
¹ Your Online Will must be completed in 90 days from account creation.
⁵ An Enduring Power of Attorney for financial matters allows you to appoint an organisation (such as State Trustees) or person to look after your financial and property affairs, including any legal matters that relate to these. An enduring power of attorney for personal matters allows you to appoint someone who can make personal decisions about your personal and lifestyle matters. Note that you can only nominate an individual for this type of appointment and it can’t be an organisation.
⁶ A medical treatment decision maker is when you choose someone who can make medical decisions about your health and medical treatment where due to your injury or illness, you can no longer make such decisions.
*We handle all personal information we collect, hold, use and share in line with state and federal privacy law. We generally collect information to help us provide services, confirm your identity and to let you know about services and products we think you might be interested in. You can read our Privacy Policy here.
All fees include the goods and services tax (GST). Depending on your situation, we may apply extra fees and charges. Our rates and types of commissions, fees and charges change from time to time. Please visit our Guide to Fees and Charges for current information on our fees and charges.
Latrobe Regional Hospital
Staff discount
20% off Online Wills and appointments – Terms and Conditions
The discount starts at 12am Australian Eastern Standard Time (AEST) 16 Jan 2024 and ends 11.59pm AEST 31 July 2025
Will and Power of Attorney Writing Appointment
The 20% discount on Will and Power of Attorney Writing Appointments is only open to Latrobe Regional Hospital staff living in Victoria who are 18 years or over.
You must enter the coupon code” lrhstaff20” when booking your appointment online or purchasing your Online Will. Discount cannot be used in conjunction with any other offer.
Fee summary including 20% discount
¹ Your Online Will must be completed in 90 days from account creation.
⁵ An Enduring Power of Attorney for financial matters allows you to appoint an organisation (such as State Trustees) or person to look after your financial and property affairs, including any legal matters that relate to these. An enduring power of attorney for personal matters allows you to appoint someone who can make personal decisions about your personal and lifestyle matters. Note that you can only nominate an individual for this type of appointment and it can’t be an organisation.
⁶ A medical treatment decision maker is when you choose someone who can make medical decisions about your health and medical treatment where due to your injury or illness, you can no longer make such decisions.
*We handle all personal information we collect, hold, use and share in line with state and federal privacy law. We generally collect information to help us provide services, confirm your identity and to let you know about services and products we think you might be interested in. You can read our Privacy Policy here.
All fees include the goods and services tax (GST). Depending on your situation, we may apply extra fees and charges. Our rates and types of commissions, fees and charges change from time to time. Please visit our Guide to Fees and Charges for current information on our fees and charges.
Your gifts and your will
Your gifts and your will
A will is a legal document that helps ensure your assets are protected and distributed according to your wishes. One of the many things you need to know before you make a will is what can you give away, or bequest, in your will.
You can only give away assets (i.e. real estate and personal property) that you own. If you do not gift an asset, it will form part of your residuary estate. Your residuary estate is what is left of your property and possessions after funeral and administration expenses, debts and other liabilities have been paid and specific gifts have been distributed.
You can gift
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- The whole property – if you are the sole owner of a property
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- The portion or percentage of the property owned by you – if you own property as ‘tenants in common’
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- Personal jewellery;
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- Motor vehicles;
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- Artwork;
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- Household possessions e.g. furniture;
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- Family heirlooms; and
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- Money in your bank account.
It might also be helpful for you to jot down an approximate value of each asset and whether there is a mortgage or loan.
If you have an outstanding mortgage when you die, the mortgage generally still needs to be paid by your estate. However, this is dependent on a number of factors including: the loan contract, the type of property ownership, the terms of your mortgage insurance (if any) or the terms of your will.
The executor of your estate is required to settle all of your outstanding debts and expenses (including funeral expenses) out of the assets of your estate.
Avoiding conflicts
Leaving gifts in your willis something to carefully consider. You can leave your assets to any individual or organisation of your choice, however it is important to adequately provide for your family and dependents to avoid conflicts after your death.
You can avoid potential conflicts about who is to receive gifts after your death by speaking with your loved ones ahead of time about your wishes and reasons for leaving gifts to specific people.
If you are planning to write your will, we can help. State Trustees writes more wills that any other organisation in Victoria. Speak with one of our expert will writers today.
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Five reasons why young people need wills
Don’t leave anything to chance
Remember when your parents used to say that you were growing up too fast? And you thought, it’s not fast enough!
The thing about growing up is that before you know it, you get swamped with mortgages, insurances, paying taxes, superannuation and wedding planning.
At State Trustees, we’ve made it easy to take care of one of the most important things you’ll ever have: your legacy.
What’s your legacy?
In simple terms it is the story of your life and the lasting impression you might leave. Writing a will is your final message and allows you to have a say in how your affairs are managed when the time comes. It’s not always about the money and you might not want to think about it right now, but it’s part of getting older and worth sorting out. Eventually, you’ll be glad you did.
Here are five reasons to get a will today:
1. You are travelling.
It is a sad truth that each year almost 1000 Australians die whilst travelling overseas*, usually through an accident or from illness. Don’t become a statistic, get things sorted by writing a will and preparing your powers of attorney as part of your travel preparations.
2. You are a member of the military.
Military service can be high risk especially during active service. Anyone of entering the military should make a will and prepare powers of attorney documents.
3. You have an inheritance.
If you have just received an inheritance, then you should have a will that details how to deal with the inheritance after your death.
4. You own an animal.
It is not uncommon for people to include plans for their pets in their wills. If the unthinkable were to happen and you died unexpectedly, what would happen to your beloved pet?
5. You are active on social media.
Without instructions from you in your will, your family and/or friends won’t know what to do with any photos or documents stored on your social media account or how to manage your social media account in the event of your death.
You don’t want to be a statistic, right? Making a will is something everyone over 18 should do but many people don’t get around to it. Most Australians under 50 don’t have a will. Buck the trend, write a will and update it whenever you experience a major life change like starting a family, buying a home or getting married.
Call us today on 03 9667 6444 for a confidential, obligation-free discussion about your circumstances. In addition to our face-to-face will writing services, you can complete your will online in as little as 30 minutes for just $69.
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Why Every Parent Needs A Will
Why Every Parent Needs A Will

Life is unpredictable. So, it’s important that we plan for the unexpected – especially when our children depend on us. With some careful planning, and a will, you can ensure that your children have the support they need if anything happens to you.
Dying without a will – what are the risks?
‘Intestate’ is a word used to describe dying without a valid will. If you die intestate, all your assets and belongings will be given out according to intestacy laws. If you have a partner, these intestacy laws will typically treat that partner as the first person with rights to your assets and belongings (also known as your ‘estate’). But everyone’s situation is different, and these laws might not be exactly how you want your estate handled – including what goes to your children.
Your will and choosing a guardian
For many parents, the biggest concern is making sure that their children have a guardian if they die unexpectedly. Writing a will is your chance to say who you want that guardian to be.
Your choice of guardian for your children might be important to you because of considerations like lifestyle, morale or religious values. Or it could be that you want your children taken care of by someone close to you and your children. You can check out our Child Guardianship Checklist for a closer look at the details that might matter to you when choosing a guardian.
It’s important to understand that your choice of a guardian in your will is not enforceable by law. So, it’s extremely important that you talk with your guardian and obtain their consent. It’s also a good idea to talk about what you expect if they do become responsible for your kids. Although not usually included in your will, you can document them separately, nonetheless.
How a will helps secure your child’s financial future
A will is also an opportunity to make sure your children are looked after financially.You can use your will to leave money or assets to a partner or guardian of minor children, or directly to your children if they are of age.
At State Trustees, we are often asked about what goes into setting up a minor’s trust. If this is an option that you want to explore, you can do so with one of our professional will writers in an in-person or video will consultation. They can walk you through this fairly complex process, and we recommend undertaking this with the guidance of a legal professional like one of our experts.
Write your will with State Trustees
When it comes to making sure your children have the support they need after you die, it’s important that you consider writing a will. Luckily, creating a basic will has never been easier than it is today. In as little as 30 minutes, you can create a will using our Online Will. For additional help, we’re here to help you every step of the way with our Will Consultation Services.
For any questions you might have, don’t hesitate to reach out to us by calling 1300 138 672 or fill out a contact form today!
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What to do if you are the Executor?
What to do if you are the Executor?
Losing a family member is an overwhelming time. This loss can turn your life upside down and it is important to deal with the grief in your own way. It can be extremely difficult to have to put those emotions aside to fulfil the role of being the executor of your loved one’s Will, especially when you may feel lost, overwhelmed or not know where to begin.
You have been entrusted to ensure your loved one’s final wishes are carried out, and this can feel like a tremendous responsibility during a very difficult time. The weight of the role can often become too much, and it is good to understand what options are available for assistance.
Executor responsibilities
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Locate the Will
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Arrange the funeral
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Apply for a Grant of Probate from the Supreme Court of Victoria
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Secure assets, pay outstanding bills and arrange asset valuations if required
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Locate beneficiaries, including anyone interstate or overseas
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Defend the estate against litigation (if required)
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Lodge tax returns, if applicable
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Resolve any disputes between beneficiaries
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Set up trusts (if required by the Will) and administer them
State Trustees can help by taking on the role of executor and trustee.
How we can help
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Deceased Estate Administration: This option comprises full and convenient end-to-end estate administration; it is best suited to executors who are seeking the peace of mind that the experts are taking care of everything.
Every estate is unique. Some may be complicated or others may be straightforward. Sometimes an estate may appear straight forward, but unexpected complications may arise. As Victoria’s leading estate administrator, State Trustees is experienced in all types of estates.
Explore the resources State Trustees offers or call us for obligation free advice on 03 9667 6444 or if you are outside Melbourne on 1300 138 672.
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Don’t leave behind a mess with an out of date will – Sue’s story
Common mistakes when making a will
How to write your will clearly
Although they may seem small, mistakes in your will can result in great confusion and conflict later when your will comes into effect. Having a clearly written will is key to not leaving a mess behind for your loved ones. Also, it will help ensure that the administration of your estate runs smoothly and quickly.
To write a will that is clear and legally valid, check this list of common mistakes that people make in relation to their wills. Download the list or continue to read the article below.
Failing to state personal details accurately
Make sure you state your full name and address. If you are known by more than one name, then you may include the other names to avoid confusion. The beneficiaries should also have their full legal names and addresses stated in your will.
Appointing an executor who isn’t willing to act
Unless you have appointed a public trustee organisation or a licensed trustee company, it is recommended that there be a substitute executor in case the individual you have appointed or both of the co-executors named, are unable or unwilling to act.
Not communicating with your children’s guardian about your intent and wishes
It is very important to discuss your intentions, obtain consent and discuss your expectations with the prospective guardian(s). During this discussion, it’s also a good idea to share any wishes that you may have prepared. Your wishes to the guardian are generally not reflected in the will, but can be documented separately.
Not including a clause about your residuary estate
A residuary estate clause is an important clause in the will which deals with the balance of your estate. Even if you have made specific gifts of items or money in your will, the remainder of your assets that have not been specifically mentioned or named, will form what is known as your residuary estate. You must still include your wishes about what you want to be done with your residuary estate and how you wish for it to be distributed.
If you wish to leave your residuary estate to multiple beneficiaries, you should specify the portion they are each to receive. For example, two siblings may each be allocated 50% of the residuary estate of their parent.
Forgetting assets or not clarifying ownership
If you own significant assets, such as a house, property or car – correctly identify whether you own this asset independently or with someone else, (for example: a spouse or business partner).
It’s a good idea to list your assets, perhaps in categories. It might also be helpful for you to jot down an approximate value of each asset and whether there is a mortgage or loan. Use our free template that will facilitate listing your assets.
Choosing a simple will when you have complex circumstances
Simple wills such as will kits and online wills are good for those with straightforward circumstances. Your personal circumstances may turn out to be more complicated than you first thought, or may change and become more complicated over time. If you have complicated circumstances, State Trustees recommends you seek the advice of a will writing expert.
Not dating the will or having the signature of two witnesses
You must sign and date the will in the presence of two witnesses for your will to be legally valid. The witnesses must be 18 years or older, and must be able to see you sign the will; however, they should not be a beneficiary or a spouse or domestic partner of a beneficiary. If these people act as a witness, they or their spouse or domestic partner may be disqualified from receiving a benefit under your will due to the applicable laws in certain parts of Australia.
Not storing your will
After you have signed your will, keep it in a safe place and tell your family and the executor named in the will where to find it. It is important you do not staple, pin, affix or attach any additional items (for example personal notes, letters or documents) to your will. The reason is that it may give the impression there was another document to be included with or read in conjunction with the will, and it may make it more difficult for the will to be accepted by the court. It is also a good idea to obtain a certified copy of your will and store it separately to the original.
For residents of Victoria, you may choose to store your will at the State Trustees Victorian Will Bank.
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Testamentary Trust
What is a testamentary trust?
A testamentary trust is set up in a person’s will and starts upon their death. It holds and protects all, or some, of the person’s assets such as property and investments. The trust looks after the assets for the beneficiaries. Beneficiaries are the people or organisations that will benefit from the trust.
A trustee is named in a will to manage the assets in the trust. The trustee is responsible for distributing the assets to the beneficiaries, following the instructions in the will.
What assets can be part of the trust?
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Investments
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Land or property
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Cash
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Other valuable belongings such as paintings, furniture, or jewelry.
The money and investments held in trust are also called trust capital. This capital can produce income, such as interest from bank accounts or dividends on shares. Assets can also go up in value. This can mean the trust gets capital gains.
Can you set up a life-interest benefit through a testamentary trust?
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To live in a property
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Earn interest on invested money
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Receive rental income from a property
After their death, the assets then pass on to other family members, charities or whatever you included in your will.
Who can be trustee?
A trustee can be a family member or a friend who is over 18 years of age and is an Australian resident. You can also appoint a trustee company like State Trustees, or a legal, accounting or financial planning organisation.
The trustee is the legal owner of the assets in the trust. They have to manage these assets in the best interests of the beneficiaries.
When can the trust assets be distributed?
The trustee follows the instructions in the will about when and who to distribute assets to. They can distribute money or interest to any beneficiary at any time in line with these instructions. Sometimes the will leaves it up to the trustee to decide when and how to use and distribute the assets. They can then meet the needs and best interests of the beneficiaries.
A testamentary trust gives you control over when and how your beneficiaries get their inheritance.
How long can the trust run?
Following the instructions in your will, taxable income that the trust makes can be given to the beneficiaries in the most tax-effective way.
Are there any tax advantages to a testamentary trust?
The trust will end at a time, or when an event happens, that you choose in your will. This could be when your beneficiaries reach a particular age or finish their education.
The trust may also end when a life interest beneficiary dies. Then the other beneficiaries, called the remainder beneficiaries, inherit the assets.
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How is ownership transferred from a deceased estate?
How are property and cars transferred from deceased estates?
If you’re an executor or beneficiary in a person’s will, there are a few things you need to know about transferring the person’s property or vehicle. A beneficiary is any person or organisation that is left something in a person’s will.
Real estate
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Solely – by one person
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Jointly – by two people together where a person’s share of the property automatically transfers to the other owner when the first owner dies
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Tenants in common – by more than one person but where each person’s share of the property doesn’t automatically transfer to the other owner when they die.
Joint owners with a surviving owner
If two people jointly own real estate, it automatically becomes the property of the surviving owner. The property doesn’t become part of the estate.
The executor, or surviving owner, will need to lodge a surviving proprietor (owner) application with the Land Registry Services office of Land Use Victoria. An Application by Surviving Proprietor lets Land Registry Services know that one of the owners has died. And that they need to transfer the title of the property into the surviving owner’s name.
No surviving owners or tenants in common
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The sole owner has died
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The property was owned as a tenant in common
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Both joint owners have died.
After the executor has a grant of probate or letters of administration, the property will be transferred into the name of the executor or administrator. This person is called the ‘legal personal representative’.
The legal personal representative will hold the real estate until they can distribute it or sell it according to what’s in the will.
Cars
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Show that there is no money owed on the car and it’s not been reported as stolen
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Show that the registration is up-to-date
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Organise a road worthy certificate.You can find more information and the form on the VicRoads website
You can find more information and the form on the VicRoads website.
You can distribute the remaining assets according to the will. You will need to account for funeral expenses, debts and the management of any claims. And you’ll need to prepare a statement for all beneficiaries detailing all transactions.
Need help?
We have been administering deceased estates for decades. We’re experts in dealing with different types of estates. Our professional staff provide impartial service and trusted, individual care.
Every situation is unique and expert help can make a real difference.
Please contact us for an obligation-free discussion to understand how we can help. Contact us on 1300 138 672.
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What is probate of a will and letters of administration?
What is Probate?
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Probate – where there is a will
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Letters of administration – where there is no will
A grant of representation gives a person the legal right to administer the estate of a person who has died.
Some small estates might not need a grant of representation.
Why do you need a grant of representation?
The grant of representation gives the executor or administrator the authority to deal with assets, such as bank accounts, shares and property. It means the assets can be transferred to the name of the executor or administrator so that they can deal with them, transfer or sell them. Without the grant of representation, the executor or administrator can’t distribute the assets to beneficiaries. Beneficiaries are the people that are left something in the will or under the law of intestacy– like money, property or belongings.
The deceased person’s bank accounts will be frozen (usually except to pay for the funeral) until you have the grant of representation.
Probate makes the will legal
The court needs proof that the executor listed in the will is alive, willing and able to do the tasks they need to do. It decides if the will is the last will that the deceased person made. It also confirms that there are no objections to the will being valid.
How do you apply for probate?
An executor can apply for probate or they can ask a solicitor or trustee company to do it for them. There are a series of steps you need to go through to apply – including advertising online that you are applying. When you submit your application for probate to the Supreme Court, you need to include the deceased person’s will, death certificate and a confirmation of the estate’s assets. You also need to include an affidavit. An affidavit is a legal document that, in this case, proves to the court that the executor will administer the estate well and in line with the law.
What if there is no will?
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Read more about what happens when there is no will.
What are letters of administration?
Letters of administration are the court’s approval for someone to administer the estate of a person who dies without a will. Usually the next of kin applies to administer the estate, or if there is no next of kin who can or want to do it, State Trustees may apply.
What issues can come up when applying for probate?
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Didn’t have the capacity to make the will. If someone doesn’t have capacity, they are not able to make their own decisions
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Was facing undue influence when they made the will. Undue influence is when someone convinces another person to do something that they wouldn’t normally want to do.
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Problems with the will, such as it not being witnessed properly or being damaged
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An informal will – a document listing a deceased person’s wishes that doesn’t meet the requirements for a valid will
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Using a copy of the will – when you can’t find the original.
How long does probate take?
Being granted probate usually takes two weeks from when you apply.
If more complicated information is needed or if there are questions from the registrar of probates, it may take longer to obtain a grant of probate.
Next steps
We recommend that you apply for probate or letters of administration as soon as possible. The longer you wait, the more chance there is that the assets might have expenses that need to be paid. Beneficiaries may get frustrated waiting for you to pay them and if the delay is long, you may be removed as executor. Probate also helps get rid of the possibility of fraud.
If you still have questions and need more information, contact us now to speak with one of our consultants and talk about your options.
Work with us. Contact State Trustees on 1300 138 672. With almost 80 years of experience of protecting the interests of Victorians, you can rely on us to give you peace of mind where wills are concerned.
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What does an executor of a will do?
What does an executor of a will do?
When someone writes their will, they have to choose an executor. The executor is then responsible for making sure the person’s final wishes are carried out after they die.
The executor’s role begins as soon as the person has passed away.
I have been appointed as an executor in a will now what?
As the executor, it’s now your responsibility to administer the person’s estate. The estate includes all the person’s assets and liabilities. Their assets are their property and belongings that have value, such as a house, car, shares and investments. Their liabilities consist of any money they may owe, such as a mortgage or a loan.
Your first job is to find the person’s original will and arrange the funeral. Some of the other tasks that the executor usually needs to do include:
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Applying for a death certificate
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Applying for a grant of probate
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Finding and contacting the beneficiaries (people who are left something in the person’s will), including anyone interstate or overseas
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Protecting the person’s assets. You need to make sure the assets are safe so that they can be given out as the person wanted them to be. This might include taking out insurance or making an inventory
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Providing death notifications to the Australian Tax Office, Centrelink and banks
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Paying any outstanding bills and debts from estate funds and arranging to have assets valued
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Defending the estate against legal action
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Resolving disputes between beneficiaries
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Lodging tax returns if needed
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Claiming life insurance and superannuation
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Setting up trusts and administering them, if that is part of the instructions in the will. A trust might be set up to look after and protect assets for a child until they reach a certain age
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Dealing with any real estate that is part of the estate, including getting the property ready for sale
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Distributing assets according to what is in the will
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Providing a full accounting of your administration of the estate to beneficiaries.
You can choose to administer the estate yourself or ask a trustee company, like us, to administer the estate for you.
What if no Will can be found?
This means the deceased is intestate. In these cases, the estate is distributed in accordance with the laws of intestacy. These laws dictate a particular order of payment to the family members of the deceased.
What is the role of an executor?
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An executor must notify the beneficiaries of the Will: All beneficiaries must be located and contacted (including those who are overseas).
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Debts and liabilities must be dealt with:Debts must be paid, or passed on. If you are an Executor, you’ll need to establish a complete picture of the deceased’s finances. This includes identifying any debtors and creditors. Funeral expenses, income tax, fees for administering the estate and out-of-pocket expenses must also be paid.
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An executor is responsible for everyday tasks: An Executor must arrange for pets to be cared for, redirect mail, cancel services and pay any outstanding bills.
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They have to insure the estate: An Executor is responsible for all the assets until they have been passed on. An Executor must identify the estate assets, including any that are interstate or overseas. This includes homes, cars, superannuation, jewellery, investments and home contents. These must all be valued, secured and insured.
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They must attend to any businesses: An Executor must deal with any business the deceased had an interest in. This may include determining if the business operates as a Sole Trader, Partnership or Company. The Executor may be required to carry on the running of the business or wind up the business, sell real estate and other assets, organise tax issues and invest funds in a prudent manner.
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There can be legal risks: An Executor is responsible for resolving estate issues, liabilities and disputes. This may consist of challenges to the will including family maintenance claims, entitlement issues and beneficiary disputes.
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An executor must lodge the tax return: If you are an Executor, you need to obtain clearance from the Australian Taxation Office before the estate can be distributed. Otherwise you run the risk of being personally liable for any outstanding tax. You’ll need to gather details of all income earnt by the deceased in the years prior to their death and during the time since their death. You then must prepare a date of death tax return – and maybe prior returns for the deceased if they have not lodged for some time – and an estate tax return.
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An executor may need to sell the assets: It depends on the Will and the estate. An Executor is responsible for selling or transferring assets to the beneficiaries. This includes houses, land, shares and investments. If the assets are sold, you’ll need to take into account any costs of sale and any capital gains tax.
What happens when all debts have been paid?
You can distribute the remaining assets according to the will. You will need to account for funeral expenses, debts and the management of any claims. And you’ll need to prepare a statement for all beneficiaries detailing all transactions.
Who is responsible for trusts?
An Executor is usually the trustee for trusts set up in the will. This can include trusts set up for beneficiaries under 18 years of age. These trusts need ongoing administration, often over many years.
An Executor can authorise someone else to act as Executor
A lot can happen between agreeing to be an executor and becoming one. If you’ve been appointed as executor but don’t believe you have the capacity to fulfil the required duties, you can choose to authorise State Trustees to to administer the estate on your behalf.
How we can help
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Deceased Estate Administration: This option comprises full and convenient end-to-end estate administration; it is best suited to executors who are seeking the peace of mind that the experts are taking care of everything.
Every estate is unique. Some may be complicated or others may be straightforward. Sometimes an estate may appear straight forward, but unexpected complications may arise. As Victoria’s leading estate administrator, State Trustees is experienced in all types of estates.
Explore the resources State Trustees offers or call us for obligation free advice on 1300 138 672.
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What’s an executor and why you need one
What’s an executor and why you need one
When writing your Will, one of the biggest decisions to make is choosing an executor. Your executor manages your estate when you die, putting your last wishes into action. An executor can be a family member, friend, lawyer or other professional, or a trustee company such as State Trustees. Whichever you choose, there are a few things you should consider first.
Property
For example, when dealing with property assets, an executor should consider who has access to that property. As well as whether the property is insured, the policy is up to date and if insurance terms and conditions are being met.
Motor vehicles
Where motor vehicles are concerned, an executor should determine who has the keys, who drives the vehicle, the status of the vehicle’s insurance policy and who’s responsible for costs if there’s an accident.
Reaching out to beneficiaries
An executor acts as a legally appointed representative to protect the assets of a deceased estate until they can be passed on to beneficiaries. This includes those beneficiaries who might reside interstate or overseas. Executors work to mandatory waiting periods for deceased estate administration tasks such as obtaining a Grant of Probate and conveyancing. It is good practice for executors to communicate regularly with beneficiaries to ensure there aren’t any misunderstandings or conflict about the process of deceased estate administration.
What if no Will can be found?
Without a will, the deceased is found to be intestate. This means the estate is distributed in accordance with the laws of intestacy. These laws dictate a particular order of payment to the family members of the deceased.
Who can be an executor
Anyone above the age of 18 can act as an executor of your will It can be a family member, friend, lawyer or other professional, or a trustee company such as State Trustees. When choosing an executor, they should be someone you trust who has the skills and time to manage complex legal and financial matters when you’re gone.
Get their approval first
Professional executors could be the better option
While professional qualifications are not required to act as executor, there are complexities that come with a deceased estate which may require professional assistance. Consider choosing a professional executor if you are worried things could turn sour between family and friends after reading your . While this can come at a cost, it can be advantageous to ensure it is dealt with in a professional manner.
This approach may also be suitable if you don’t have a close relative or friend to choose as executor. A trustee company such as State Trustees can help in situations that may be complicated or ones that might require long-term administration. Appointing a professional can also help avoid problems if family members are unhappy with the terms or an appointed executor dies. A professional executor’s responsibility is to act objectively in line with your wishes.
Being an executor can be overwhelming and it is understandable for people to feel lost as to where to start. State Trustees administers more deceased estates than any other organisation in Victoria. Our expert team understands all the aspects, and challenges, of deceased estate management.
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7 unique wishes people made in their will
Unique wishes people make in their will.
Although the majority of people leave their belongings to family members, friends or charities, people sometimes do make strange bequests in their last Will and testament. Here’s some famous examples of wishes that you may not expect to see in a will.
A daily rose
Some of the most interesting Wills include bequests that provide funds for friends and family to celebrate after the testator’s death. Roger Brown, an Englishman who lost his battle with prostate cancer at 67, left part of his fortune to seven of his friends with the stipulation they use it for an alcohol-filled weekend in a European city. Singer Janis Joplin left a US$2,500 US fund in her Will for a wake party after her death.
A literary award wish
Miles Franklin was an Australian novelist and writer committed to the growth and development of Australian literature. Following the publication of her most regarded work, My Brilliant Career, she spent some time working in Sydney and Melbourne whilst also contributing pieces to newspapers. In her Will she made a provision for her estate to establish an annual literary award, the Miles Franklin Award.
Wishes for remains
In some last Will and testaments, the arrangements regarding a person’s body is part of their bequest. Mark Gruenwald, Executive Editor of Captain America and Iron Man for Marvel Comics, requested that he be cremated, and his ashes mixed with ink for the printing of comic books. Fred Bauer, the inventor of Pringles, wanted to be buried in a Pringles can. Gene Roddenberry, creator of Star Trek, requested that his ashes be launched into space, while Napoleon Bonaparte’s Will directed that his head be shaved, and his hair distributed among friends.
Birthday wishes
When Robert Louis Stevenson died in 1894, his Will included an odd last wish. At the time that Mr Stevenson prepared his Will, he said that his friend Annie H. He often complained that she did not really get to celebrate her birthday as she was born on Christmas Day. In his Will he left her his own birthday –, November 13.
Luxury pet home
There have been many Wills with unique requests regarding much loved pets. Jonathan Jackson, an Ohio animal lover who died in 1880, left a significant amount of money for the creation of a home for cats. The home was to have bedrooms, a gym, a dining hall and an auditorium where live music would be played. There would also be a roof designed specifically for climbing. When Leona Helmsley died in 2004, she left more than US$12 million to her Maltese, Trouble. Her grandchildren were required to visit their father’s grave annually to inherit their share of the estate.
Random stranger wish
Portuguese aristocrat, Luis Carlos de Noronha Cabral da Camara left his considerable fortune to 70 strangers he randomly chose out of a phone directory in Lisbon. When his heirs were notified, many thought it was a joke as they had never met the man.
A Will is often your last wish and a final message that you can send. To loved ones and those that matter most to you. Even if your circumstances are straightforward, having a Will helps ensure everyone is clear on what you’d like done with your estate.
State Trustees has decades of experience in will writing and can provide expert and impartial advice. With three will-writing options to suit both simple and complex circumstances, you can easily compare the choices and get started today.
We recommended you book an appointment with our will-writing experts if you have complex gifting requests or circumstances like the above.
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Original artwork ‘Four Sisters Coming Together’ by Melissa Bell 2023