Disclaimer
gist. is an editorial publisher, not a financial adviser. Read this page before you rely on anything we publish.
Not advice
Nothing on this site is personal financial advice or general financial advice as defined under the Corporations Act 2001 (Cth). We don't consider your personal circumstances, objectives, or needs. Talk to a licensed financial adviser before you buy, change, or claim on a policy.
Original PDS prevails
Each gist. page is a plain-English derivative of one specific, dated version of an insurer's Product Disclosure Statement. In the event of any difference between our summary and the insurer's PDS, the insurer's PDS prevails. The version date and SHA-256 hash of the source PDF are shown on every page.
Independence
We don't receive affiliate commissions, referral fees, sponsorship, or paid placement from any insurer we cover. We don't rank, score, or call any product the "best" or "worst". The same baseline analysis is published publicly for every insurer we cover. If we ever enter a commercial engagement with an insurer, that fact is disclosed on the relevant insurer's page and on this page.
Copyright and quotations
We don't republish PDS documents themselves — only plain-English derivative summaries with links to the original. Where a short verbatim quotation is necessary for the accurate explanation of a clause, it is clearly marked and limited to what is required.
Take-down and corrections
If you're an insurer and you believe a gist. page misrepresents your document, please tell us. We respond within five business days. Default is to correct first and discuss second.
Privacy
You don't need an account to read translations. The chatbot logs the question itself (so we can identify clauses that confuse customers) but does not collect identifying information. Your IP address is not retained beyond what is required to operate the site. We don't run advertising trackers.
Jurisdiction
gist. publishes content about Australian insurance products. Nothing on this site should be relied on for products outside Australia.
Last updated: 2026-05-06.