The Member will have 90 days from the date of the Repudiation to advise us in writing that they object and do not agree with the repudiation. If the repudiation is based on non-payment of premiums, then our decision will be final. If the repudiation is based on any other reason, then LegalWise will send the objection to an Independent External Referee to review the repudiation and make a recommendation. Should the Member still not agree with our repudiation then the Member has 365 days to institute action against LegalWise at their own cost. The Member is also entitled to lodge a complaint with the Short-Term Insurance Ombudsman.