Under what circumstances should a shipmaster decide to divert for a place of refuge?

When it becomes unsafe to continue the voyage for any reason, for example because of a dangerous shift of cargo, a serious fire, serious hull damage (e. g. from grounding, collision, heavy weather, structural failure), a main machinery failure not repairable at sea, or loss of propeller or rudder.

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According to IMO Resolution A. 949(23) – Guidelines on Places of Refuge for Ships in Need of Assistance β€” what steps should the master take when his ship is in need of assistance?

What is a place of refuge?