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Superannuation and retirement planning information

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Home / About Us / Terms and Conditions of Use

Terms and Conditions of Use

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THE SUPERGUIDE WEBSITE.

Welcome to the SuperGuide website: www.superguide.com.au (‘Website’ or ‘SuperGuide Website’). If you continue to browse and use this Website, or if you subscribe to the SuperGuide Premium service, you are agreeing to comply with, and be bound by the following terms and conditions of use (‘Terms and Conditions of Use’), which, together with our Privacy Policy, Disclaimer and Copyright Policy, govern our relationship with you in relation to your use of this Website (including the SuperGuide Premium service).

By using this Website (including the SuperGuide Premium service), you accept these Terms and Conditions of Use and agree to be bound by them. For the purposes of these Terms and Conditions of Use, “us”, “our”, “we”, “SuperGuide.com.au” or “SuperGuide” refers to SuperGuide Pty Ltd ACN 142 266 359 as trustee for the SuperGuide Unit Trust and “you” and “your” refers to you, the client, visitor, or Website (including the SuperGuide Premium service)user.

Amendment of terms

We reserve the right to change, modify, add or remove portions of the Terms and Conditions of Use at any time. Please check the Terms and Conditions of Use regularly prior to using our Website to ensure you are aware of any changes. We will endeavour to highlight any significant or substantive changes to you where possible. Your continued use of the SuperGuide Website (including the SuperGuide Premium service), will be regarded as acceptance of the most current version of the Terms and Conditions of Use which will govern your and SuperGuide.com.au’s rights and obligations to each other.

User Requirements

You must be over 18 years of age and have capacity to enter into a legally binding agreement with us to use this Website (including the SuperGuide Premium service), and to purchase any goods or services for this Website (including the SuperGuide Premium service).

For certain campaigns or promotions, additional terms and conditions may apply. If you want to participate in such a campaign or promotion, you need to agree to the relevant terms and conditions of this campaign or promotion. In case of any inconsistency between such terms and conditions and these Terms and Conditions of Use, those terms and conditions will prevail.

Limitation of liability

For the purposes of the Australian Consumer Law as set out in Schedule 2 of the Competition and Consumer Act 2010 (Cth), SuperGuide.com.au’s liability for any breach of a term of these Terms and Conditions of Use that cannot be excluded by law is limited to: in the case of goods – replacement of the goods or the supply of equivalent goods, repair of the goods, the payment of the cost of replacing the goods or of acquiring equivalent goods, or the costs of having the goods repaired; and in the case of services – supplying the services again, or payment of the cost of having the services supplied again.

To the fullest extent permitted by law, and except as otherwise provided in these Terms and Conditions of Use, you agree and accept that SuperGuide.com.au is not legally responsible for any loss or damage you might suffer in relation to your use of the Website (including the SuperGuide Premium service), regardless of how the loss or damage arose, including from errors or omissions in our documents or information, any goods or services we may offer or from any other use of the Website (including the SuperGuide Premium service). This includes your use or reliance on any third party content, including links, comments or advertisements. Your use of, or reliance on, any information or materials on this Website (including the SuperGuide Premium service) is entirely at your own risk, for which we will not be liable.

It is your own responsibility to ensure that goods, services or information available through this Website (including the SuperGuide Premium service) meet your specific, personal requirements. You acknowledge that such information and materials are of a general nature and may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law. For full details of this limitation of liability see our SuperGuide Disclaimer.

Links to other websites

SuperGuide.com.au may from time to time provide on its Website (including the SuperGuide Premium service), links to third party websites, or third party advertisements or third party information deriving from third party websites for your convenience. This does not necessarily imply any sponsorship, endorsement, approval or other arrangement between SuperGuide.com.au and the owners of the third party websites. SuperGuide.com.au takes no responsibility for any of the content found on the linked third party websites and does not guarantee the availability of any third party website or content as that is subject to change without SuperGuide.com.au’s knowledge.

SuperGuide.com.au accepts no responsibility whatsoever for any information, advertisements or advice linked from the SuperGuide Website (including the SuperGuide Premium service) or provided to you directly by third parties. We are not the author of any information hosted on third party websites, and we are not making a ‘recommendation’. SuperGuide is not providing any recommendation and does not take any responsibility for any recommendation received in this regard.

SuperGuide Premium subscription

SuperGuide’s Premium is a digital subscription service accessed at SuperGuide.com.au. To gain access to the SuperGuide Premium service you will need to purchase a subscription by credit card, debit card, PayPal or bank transfer. If you pay by credit card or debit card or PayPal, SuperGuide’s payment providers (Stripe and PayPal) will activate a subscription to enable automatic payment of future subscription periods through the same card or account.

You can cancel the automatic renewal at any time, either through your account or by contacting us. To cancel future subscription payments you need to do so before the current subscription period expires. You will be sent an email notification at least 3 days before your subscription period expires (for monthly subscriptions), 7 days before your subscription period expires (for 6 monthly subscriptions) or 30 days before your subscription period expires (for annual subscriptions).

When you cancel your subscription you still have access to the SuperGuide Premium service for the remainder of the current subscription period that has already been paid for.

Delivery of physical goods

Subject to these Terms and Conditions of Use, physical goods will be supplied as shown on your order confirmation. Delivery is subject to different postage and handling charges which may be varied by us at any time. Deliveries are processed promptly upon receipt of full payment. Delivery may take between 2 and 14 days, depending on the delivery option. We will use our best endeavours to meet any stated delivery timeframes, however, from time to time, our service provider, Australia Post and/or any other reputable courier company we may engage (‘Delivery Service Provider’), may suffer delays beyond our control. Unless otherwise agreed by us, damaged or lost orders should be resolved with the applicable Delivery Service Provider directly and we are not responsible for goods that are damaged in transit or not received and any replacement of damaged or lost items is made at the discretion of SuperGuide.com.au.

Delivery of goods are delivered immediately, upon confirmation of payment. Please be aware that there are inherent risks associated with downloading any software and digital goods and we are not responsible for any loss or damage you suffer as a result of acquiring digital goods from the Website. Should you have any technical problems downloading any of our goods, please contact us by emailing contact@superguide.com.au so we may try to assist you.

Returns and refunds

All goods sold on the SuperGuide Website (including the SuperGuide Premium service) come with guarantees that cannot be excluded under the Australian Consumer Law. You are entitled to a replacement for or a refund for a major failure and compensation for any other foreseeable loss or damage. You are also entitled to have the goods repaired or replaced if the goods fail to be of acceptable quality and the failure does not amount to a major failure.

Should you wish to return your order, please notify us within 30 days of purchase with your reason for the return. We will investigate your claim and advise you whether the goods may be returned and, where required, provide you with instructions on how to return the goods. Once the goods are returned, we will inspect the goods and investigate your reason for the return. Where required by the Australian Consumer Law, we will provide the appropriate remedy in relation to the goods.

Refunds will be processed promptly and will be issued using the same payment method used for the purchase, including any store credit. All refunds requested for change of mind are made at the discretion of SuperGuide.com.au.

Disclaimer

To the fullest extent permitted by law, SuperGuide.com.au absolutely disclaims all warranties, expressed or implied by contract, conduct or otherwise, including, but not limited to, warranties of merchantability and fitness for any particular purpose. SuperGuide.com.au gives no warranty that the information published, documents made available, or goods or services sold will be available at all times, free of errors, or that defects will be corrected, or that our website or its server is free of viruses or any other harmful components.

Whilst we at all times endeavour to have the most accurate, reliable and up-to-date information on our website, we do not warrant or make any representations regarding the use or the result of the use of any document, good, service, link or information in its website or as to their availability, completeness, correctness, suitability, accuracy, reliability, or otherwise.

Please also read our SuperGuide Disclaimer carefully (click here to access SuperGuide’s Disclaimer).

Your privacy

At SuperGuide.com.au, we are committed to protecting your privacy. If you provide us with any personal information our Privacy Policy will govern how we will use and disclose that information (click here to access SuperGuide’s Privacy Policy).

SuperGuide takes all reasonable steps to ensure your information is secure and uses HTTPS (connection security) as well as third party payment providers, such as Stripe and PayPal, to facilitate and process any payments to SuperGuide.

No commercial use

This Website (including the SuperGuide Premium service) is for your personal, non-commercial use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, commercially exploit, create derivative works form, transfer, or sell any materials on or goods or services contained within this Website (including the SuperGuide Premium service). You may not use this Website (including the SuperGuide Premium service), or any of the materials on the Website (including the SuperGuide Premium service) to further any commercial purpose, including any advertising or advertising revenue generation activity on your own website.

Unacceptable activity

You must not do any act that we would deem, in our absolute discretion, inappropriate or in competition with us, is unlawful or is prohibited by any laws applicable to the Website (including the SuperGuide Premium service), including but not limited to:

  • any act that would constitute a breach of either the privacy (including uploading private or personal information without an individual’s consent) or any other of the legal rights of individuals;
  • using the Website (including the SuperGuide Premium service) to defame or libel us, our employees or other individuals;
  • uploading files that contain viruses that may cause damage to our property or the property of other individuals;
  • posting or transmitting to the Website (including the SuperGuide Premium service) any non-authorised material including, but not limited to, material that is, in our opinion, likely to cause annoyance, or which is defamatory, racist, obscene, threatening, pornographic or otherwise detrimental to or in violation of these Terms and Conditions of Use, our Website (including the SuperGuide Premium service), our systems or a third party’s systems or network security.

We reserve the right to exclude and deny any person access to our Website (including the SuperGuide Premium service), services or information at our sole discretion. SuperGuide.com.au will hold you fully responsible for any loss that we may sustain and may also hold you accountable for all profits that you might make from such unpermitted and improper use resulting from a breach of these Terms and Conditions of Use.

General

These Terms and Conditions of Use, along with our Privacy Policy, our Disclaimer and our Copyright Policy, represent the whole agreement between you and SuperGuide.com.au concerning your use and access to SuperGuide.com.au’s Website (including the SuperGuide Premium service) and your use and access to the documents and information on it. All implied terms except those implied by statute and which cannot be expressly excluded are hereby expressly excluded.

If any part of these Terms and Conditions of Use is found to be illegal, void, or unenforceable then that part will be deemed to be severed from the remainder of these Terms and Conditions of Use and the severed part will not affect the validity and enforceability of any remaining terms.

If we do not exercise any right or provision under these Terms and Conditions of Use, it will not constitute a waiver of such right or provision. A waiver of any provision under these Terms and Conditions of Use will only be effective if it is in writing and signed by us.

Jurisdiction

This agreement will be governed and interpreted in accordance with the laws of Victoria, Australia and you irrevocably submit to the exclusive jurisdiction of the courts in the State of Victoria, Australia.

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How super works
Super for beginners
Super rules
Employers guide to super
Super contributions
Super and tax
Accessing super
Super news
Women and super
Super tips and strategies
How-to guides
Super quizzes
Superannuation Q&As
Superannuation glossary
Super funds
Best performing super funds
Super fund rankings
Best performing pension funds
Pension fund rankings
Super fund average returns
Super investing strategies
Comparing super funds
Choosing a super fund
Choosing an investment option
Super fund fees
Insurance and super
Super fund profiles
SMSFs
SMSFs for beginners
SMSF administration
SMSF checklists
SMSF compliance
SMSF investing
SMSF pensions
SMSF strategies
SMSF Q&As
Plan your retirement
Retirement planning for beginners
When should I retire?
How long will I live?
How much super do I need?
Will I get the Age Pension?
How much will I spend in retirement?
Financial advice
Retiring overseas
Preparing for retirement
Retirement planning strategies
Retirement calculators and reckoners
In retirement
Income in retirement
Super lump sums
Super pensions
Age Pension
Working in retirement
Life in retirement
Senior concessions and services
Aged care
Estate planning
Super death benefits
Compare super funds

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Important: Disclaimer

All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs.

You should consider whether any information on SuperGuide is appropriate to you before acting on it.

If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions.

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About SuperGuide

SuperGuide is Australia’s leading superannuation and retirement planning website. Learn more

Superguide Pty Ltd ATF Superguide Unit Trust as a Corporate Authorised Representative (CAR) is a Corporate Authorised Representative of Independent Financial Advisers Australia, AFSL 464629

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