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  • How super worksCompulsory superannuation has been around since 1992, but there is still a lot of confusion about its purpose and how it works. Our Super for beginners guide is designed to answer all the basic questions you have about superannuation. We also cover super’s rules for contributions, detail how they are taxed and when and how you can withdraw your retirement savings. Visit the sections below to learn the fundamentals about superannuation: Super for beginners Super rules Super contributions Super and tax Accessing super Super tips and strategies Super news Women and super How-to Super Guides Super quizzes Superannuation Q&As Superannuation glossary As a first step, the following are key articles that describe how super works.
    • Super rulesThis section will help you understand the fundamentals about superannuation, whether you are a complete beginner or need a refresher. You’ll find details of the rules that apply for your age group, the special tax concessions that make super attractive, and the essentials on how the super system works.
    • Contributing to superMaking super contributions is one of the simplest ways to improve your final retirement balance and reduce your tax bill. Annual contribution caps (limits) put a lid on the amount you can contribute each financial year, but can be flexible if you’re able to use the carry forward or bring forward rules. Find out all you need to know to make the most of your contributions without falling foul of the rules here.
    • Accessing superThere are multiple ways that you can legally access your superannuation. These are known as conditions of release. People most commonly think of accessing super at retirement, but there are times some or all of your super balance may be withdrawn early, such as if you develop a terminal illness or are suffering severe financial hardship. You might also choose to release some of your voluntary savings to help with the purchase of your first home.
    • Super tips and strategiesWhen it comes to making the most of your super, knowing the rules is only part of the picture. Making savvy use of those rules with the right strategies can take you to the next level. These strategies, tips, and case studies can empower you to make the right decisions and wring out the full benefit of the super system.
    • Super newsSuperannuation has become a regular part of the news coverage in recent years. This can be beneficial in that it can raise general awareness about super and remind many Australians that they should check in on their own super, and not forget to properly plan for their retirement. Often though news about super can be negative, when there are significant changes to the rules that forces people to learn the new rules and assess the implications for their existing retirement plans. A lot of angst and uncertainty can also be created when changes are only mooted – for example at election or budget time. Whatever the big issues are about super, SuperGuide will always cover them from an independent perspective, telling it like it is and never representing any particular political party or industry organisation. SuperGuide has only ever represented the best interests of everyday Australians to help you better plan for your retirement.
    • Special topicsThis section covers:  the employer’s guide to super – how to calculate and make contributions, deadlines and other obligations, tax deductions, choosing a super fund for employees, record-keeping, penalties, and checklists  gender and relationship issues – including the issues women face with super due to lower average incomes, time out of the workforce, and living longer, as well as super and divorce and rules for same-sex couples super rules and opportunities if you are self-employed
  • Super fundsFor most Australians super is likely to be their biggest investment outside the family home, so it is not something you can afford to set and forget. If you would like to know more about your super fund and how it rates against the best on offer, but don’t know where to start, we have put together a series of articles to help you do just that. We also have articles on choosing a fund or investment option, fees, insurance, investments and investing concepts to help you make the most of your super. Visit the sections below for more information on super funds: Best performing super funds Super fund rankings Best performing pension funds Pension fund rankings Super fund average returns Comparing super funds Choosing a super fund Choosing an investment option Insurance and super Super fund fees Super investing strategies Super fund profiles As a first step, the following are key articles that explore how super funds work.
    • Choosing a super fundIf you’re an employee, you’re eligible to choose the super fund that your employer pays your super guarantee (SG) into, provided you’re in one of the three categories below. You’re employed under a federal award. You’re employed under another award or workplace agreement that doesn’t require superannuation support. You’re not employed under an award or industrial agreement. This includes contractors who are primarily paid for their labour. Learn more about whether you can choose your super fund. If you are eligible to choose your super fund, there are five potential options (though not every option is available to everyone). Retail funds – These are funds run by financial institutions. They’re generally open to anyone. Industry funds – These funds are generally designed for people who work in a particular industry, but some industry funds will allow anyone to join. Public sector funds – These funds are generally only open to government employees. Corporate funds – These funds are usually only available to employees working for a specific employer. Self-managed super funds (SMSFs) – These are funds where you have more responsibility in terms of administration, compliance and investment decisions. There is a wide variety of super funds available in the…
    • Super investing strategiesIn this section you can learn more about the investing side of superannuation. This includes learning the fundamentals about how investing works within super, understanding your risk profile and the investment options available to you, and perhaps considering other investment values that are important to you. We also cover several topics that are specific to those in retirement, and those with SMSFs. Be sure to also check out our SMSF investment section. Learn more about key super investment strategies in the following SuperGuide articles:
    • Best performing super fundsBeing in a consistently high performing super fund is one of the key factors in growing your super balance over time. Members of consistently poor performers are at risk of having substantially lower super balances at retirement. The Productivity Commission review of superannuation produced an example of a 21-year-old on a $50,000 starting salary. If they joined a super fund that is consistently in the top quarter of funds rated by performance, they could expect to retire at 67 with a super balance of $1.1 million. If instead they joined one of the super funds that is consistently in the bottom quarter of funds, they would retire with $610,000 – 45% ($502,000) less. Returns are not the only measure of a good fund – fees, insurance offerings, member services and investment choice are also important. However, if your fund has a long track record of underperformance it could be time to switch to a product with a history of superior returns. When super performance tables are published in the media, generally only they only compare super investment options in a single risk category – ‘balanced’ or ‘growth’ – which generally means they have 60-80% invested in growth assets. SuperGuide publishes…
    • Best performing pension fundsAccording to the 10/30/60 Rule, 60% of your retirement income comes from the investment returns you achieve during your retirement. While this rule originated from a US study, the principle holds broadly true for Australian retirees and underlines how important it is to continue to earn a good investment return in your retirement years. During their working years, most Australians pick a balanced or growth super fund, with between 60% and 80% of their money invested in growth assets such as shares and property. However, as people near or reach retirement, capital preservation becomes an important consideration. At this age and stage of life it is generally advised to reduce the percentage of growth assets in your investment portfolio to reduce risk. This is to limit what is called sequencing risk, or the risk of a bad year early in retirement adversely impacting the total amount of income available to you over the course of your retirement. This is also the logic behind lifecycle super funds, which automatically reduce the percentage of growth assets in your account as you age. For example, lifecycle funds for people who were born in the 1990s on average have 88% of the money invested in growth…
    • Super fund profiles
  • SMSFsAs if superannuation wasn’t complex enough, when you have a self-managed superannuation fund (SMSF) you take on considerably more responsibility, and it’s essential therefore to have a comprehensive understanding of the current super and SMSF rules. In this section you will find detailed explanations of the SMSF rules and the responsibilities for SMSF trustees. SMSFs for beginners SMSF administration SMSF checklists SMSF compliance SMSF investment SMSF pensions SMSF strategies SMSF Q & As As a first step, the following are key articles that describe how SMSFs work.
    • SMSF for beginnersIn this section you will gain an understanding of the basics of self-managed superannuation funds (SMSFs). We’ll take you through the key responsibilities in being a SMSF trustee, help you to evaluate if a SMSF is right for you, and give you an idea of how much it might cost to run a SMSF. You can also test your understanding of SMSF basics with our quiz.
    • SMSF admin and complianceAll Self-Managed Superannuation Funds (SMSFs) must have a trust deed, a document which sets out the governing rules of that particular SMSF. Trust deeds can vary from document to document, and can also be amended over time, so it is vital that you understand and abide by the rules governing your SMSF. In addition to the trust deed, SMSFs are subject to the provision of the Superannuation Industry (Supervision) Act 1993, which imposes legal obligations on how SMSFs must be operated. These laws and regulations may, in certain circumstances, take precedence over your trust deed, so a sound understanding of the rules is a prerequisite for any SMSF trustee. In this section you’ll learn how to comply with obligations such as: residency requirements, developing an investment strategy and ensuring that all investment decisions are consistent with it, considering member insurance needs, only accepting contributions from fund members, making super benefit payments only to members who have met a condition of release, monitoring total super balance and transfer caps, administration, reporting and record-keeping requirements, appointing a registered auditor, and lodging the fund’s annual return to the Australian Taxation Office (ATO) and paying tax, to name but a few compliance and administrative…
    • SMSF investingPeople who run their own self-managed super fund (SMSF) often do so because of the control it gives them over their investments and investment strategy. With that control comes lot of responsibility. You need to understand the nature of the investments on offer, and how they fit into your overall investment strategy. It can also be instructive to see what other SMSFs are investing in. Then there is the legal requirement for SMSFs to have a documented investment strategy. This should satisfy the sole purpose test and be used to guide trustee decision-making. See also superannuation investment strategies and our section on risk.
    • SMSF pensionsSelf-managed superannuation funds (SMSFs) can pay whatever benefits are allowable by their governing rules (trust deed). Most typically, this allows SMSFs to pay benefits as either lump sums or pensions. In addition to the different types of payments that a SMSF can make, in this section you will learn about the process of starting a pension, transitioning from the accumulation phase into the pension phase, and all the steps that are required as a SMSF trustee to commence a pension. You will learn all about the importance of exempt current pension income (ECPI) and how to ensure that you maximise this valuable benefit. You may also need to be aware of the transfer balance cap, and how to navigate these complex rules. For those who have reached preservation age and would like to commence a pension while still retaining a connection to the workforce, a Transition-to-retirement (TTR) pension might be worth considering.
    • SMSF estate planningSelf-managed superannuation funds (SMSFs) allow for a high level of flexibility in the management of a person’s superannuation benefits upon passing. Careful planning can allow your SMSF benefits (which are not automatically estate assets) to be passed onto those dependants who you wish to benefit, in the most efficient and tax effective way possible. In this section you will learn the key concepts behind robust estate planning for SMSF trustees, and how to take advantage of the greater control accorded to SMSFs in passing on wealth from an SMSF.
    • SMSF strategiesIn this section you can learn about tips and strategies you can consider for your SMSF, including multigenerational SMSFs, how to make decisions at different life stages and what are your options when you would like to wind up your SMSF. Also covered are investing strategies such as assessing passive vs active strategies, rebalancing and which assets are popular with SMSFs.
    • SMSF checklistsIn this section you will find a series of handy checklists to help make running your Self-managed superannuation fund (SMSF) a breeze. Our checklists will help you write or review the fund’s investment strategy, start a pension or just make sure you have all the important calendar dates you need to stay on top of things. You may also benefit from our how-to guides and our step-by-step guides.
    • SMSF Q&AsSuperGuide covers all aspects of SMSFs and also provides answers to common SMSF Q&As. SuperGuide Premium members can also submit questions through our Support section. Please note that we can only provide general information, and cannot provide any advice about your personal situation. See also our Superannuation Q&As section.
  • Retirement planningPlanning for retirement can seem daunting but putting it off can cost you a personally fulfilling, financially secure retirement. Superguide’s range of retirement planning resources helps you to understand the key issues and provide you with valuable guidance on strategies that can improve your retirement income, including case studies. It’s never too early to start preparing for a stage of your life that could last more than three decades – a long time to regret missed opportunities. You may like to begin using the seven easy steps in how to plan for your retirement which include imagining what your dream retirement looks like and thinking about how long it may last, what it will cost, whether your savings are on track, and what you can do to close the gap. And if you need a little help tailoring strategies to your circumstances, take a look at our guide to seeking financial advice.
    • Getting startedIn this section you can learn about the fundamentals of planning for your retirement. Whether you are an absolute beginner or want to refresh your understanding of the key concepts, you can discover articles that will help you understand better how to plan for retirement and what you need to consider.
    • Key issues to considerWhen you’re planning your retirement there are many variables that need to be considered to ensure your foundations are solid. This section will walk you through the important aspects, including: What retirement could cost How long you might live for The importance of where you will live, and How inflation could affect your retirement income
    • Retirement planning strategiesIn this section you can learn about the most critical retirement strategies you should consider when planning your retirement. There are tips and strategies to suit a range of age groups, whether you have many years left to save or need to get ready to retire in a hurry, including approaches that can help make your savings last the distance. You’ll also find planning ideas if you’re thinking of retiring overseas or own a business.
    • Case studiesHere you can find worked examples of retirement plans for a range of circumstances. These will help you see how different strategies can apply in the real world. There are also reflections from current retirees who share their lived experience and what they might have done differently.
    • CalculatorsIn this section you can discover some of the calculators and reckoners that SuperGuide have developed to make superannuation and retirement planning easier to understand. We also show you how to use some of the other retirement calculators available, review how reliable they are, and give you tips on how to choose one the right one for you. See also SuperGuide’s Investment Performance Reckoners.
    • Seeking financial adviceAustralians are generally reluctant to seek professional financial advice, despite the financial landscape (including the retirement system) becoming increasingly complex. The right financial advice can help you to get the most out of your superannuation. Advice doesn’t have to be expensive, particularly if you have simple needs. Your super fund may even be able to offer you the help you require. It’s important to know whether any financial advice you receive is independent or not. Advisers are legally required to provide you with a financial services guide that will let you know this information. Independent financial advice can be broadly defined as advice that is impartial or unbiased. It is provided without any potential for a conflict of interest. The resources here explain the value of advice, how to access it, and what to avoid.
    • Preparing for retirementIt’s nearly time! After years of saving and (hopefully) planning, retirement is just around the corner. Here you can find strategies that could help you to give your super a last-minute boost and insight into the risks that could throw your plans off the rails – and what to do about them.
  • In retirementRetirement is meant to be a reward for hard work, a time to kick back and do a bit of what you fancy. It’s all that, but it is also a time when many decisions and choices need to be made. SuperGuide’s retirement articles cover everything from taking your super as a lump sum or an income stream (also called a super pension) to what happens to your super when you die. We even have a handy calculator to help you estimate how long you can expect to live. Along the way, we also examine working in retirement, a guide to the Age Pension eligibility and payment rates and eligibility for concession cards for seniors and pensioners. And if the very thought of all these decisions makes your head spin, we have a guide to seeking independent financial advice. Set out below are the key topics in retirement: Super lump sums Super pensions Age Pension Working in retirement Life in retirement Seniors concessions and services Aged care Estate planning Super death benefits As a first step, the following are key articles that tackle the big issues in retirement.
    • Income from superConverting your superannuation to a pension is an option if you have reached your preservation age and met a condition of release. Your preservation age is between 55 and 60, depending on your date of birth. Standard conditions of release for super pension withdrawals are: retirement, beginning a transition-to-retirement income stream, ceasing an employment arrangement after the age of 60, even if you get a job with a new employer, turning 65 years of age, becoming permanently incapacitated, being diagnosed with a terminal medical condition. Your dependants can also be entitled to access your super as a pension when you die if you have arranged for this to happen, though there are likely to be tax implications. There are six main types of super pension: Account-based pension: This is the most common type of pension. The pension is paid from a super account held in your name. Annuities: Annuity payments are purchased with a lump sum and enable fixed payments for the remainder of your life or for a defined period. The value of account-based pensions on the other hand can rise or fall depending on the market value of the underlying investments supporting them. Transition-to-retirement pension (TTR or TRIS):…
    • Age PensionThe Age Pension eligibility age in Australia is currently 66 years and 6 months, increasing to 67 from 1 July 2023. In addition to the age requirement, your eligibility for the Age Pension depends on you: Being able to satisfy the Age Pension assets test, Being able to satisfy the Age Pension income test, and Meeting Australian residency requirements. You will be eligible to receive either a full or part Age Pension provided your assets or income don’t exceed the thresholds of the respective tests, and you also satisfy both the age and Australian residency requirements. It’s important to understand that your super may be included in both your asset and income tests, and can therefore affect your potential Age Pension eligibility. It’s possible to earn up to earn up to $300 per fortnight from paid employment without this amount being included in your Age Pension income test. This is known as the work bonus. Age Pension rates for singles and couples (married or de facto) are adjusted very six months based on changes in the Consumer Price Index (CPI), Male Total Average Weekly Earnings, and the Pensioner and Beneficiary Living Cost Index. See also our seniors concessions and services…
    • Work and other incomeRetirement is a condition of release to access your super once you have reached your preservation age. Your preservation age is between 55 and 60, depending on your date of birth. Once you have made a written declaration to your super fund that you are officially retired, the contributions you can make into your super account are much more limited and depend on your age. However, it’s possible to return to work even if retirement was your condition of release. If you’re aged under 60, you can return to work provided you can prove that your intention to retire was genuine when you made it. For example, your personal circumstances may have changed since you retired. You may need to provide proof of these changed circumstances to the ATO or your super fund. However you won’t be able to access any further super benefits that you accumulate from that point in time until you meet another condition of release. You can still access what you had accumulated up to that date. A transition-to-retirement pension is also an option you can consider once you have reached preservation age. If you’re aged between 60 and 64 and retirement was your condition of…
    • Seniors concessions and servicesWhen you retire there is bound to be a tighter focus on living within your means, even if you are comfortably well off. With bills to pay and increasing health care costs for many retirees, any discounts or rebates are always welcome. And with cheap travel and bargains on products and services on offer, what’s not to love? The good news is you don’t necessarily need to be on the Age Pension to qualify for some handy concessions. You may not even have to be fully retired.
    • Life in retirementAdvice about retirement planning is often reduced to financial targets and your superannuation account balance. And that’s a pity. While a degree of financial security is necessary to live well in retirement, it’s not sufficient. Retirees and experts alike point to the importance of your health, relationships, social connection and the pursuit of new skills and interests for a sense of wellbeing in retirement.
    • Estate planningOne of the rules of successful investing is to plan your exit well ahead of time to protect your profits. The same can be said about planning your finances for your final exit, otherwise known as estate planning. Estate planning covers how your financial assets should be distributed after your death. Because your super is not covered by your Will, careful consideration needs to be given to the nomination of beneficiaries, the tax implications, and the financial wellbeing of your spouse and other dependents after your death. Increasingly, an estate plan also details how you should be looked after later in life if you are then unable to make your own decisions.
    • Aged carePerhaps it’s because we would rather not think about it, but one of the most overlooked aspects of retirement planning is aged care. Not just the costs, although these can be significant, but decisions around where and how we want to spend our final years. Aged care encompasses home support, home care and residential care. While it’s impossible to know exactly what our care needs will be in future, it’s important to understand your options and potential costs and make your wishes known to your family. As decisions about aged care often need to be made quickly after an accident or illness, a bit of advance planning will make the process easier for all concerned.
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Advertising Terms & Conditions

SuperGuide Unit Trust, trading as SuperGuide Pty Limited (ABN 96 583 886 526)

SuperGuide ( “we”) and the customer (“you”) wish to enter into an agreement regarding advertising we may supply to you for use on the SuperGuide.com.au website.

1   Overview

1.1 The agreement comprises:

(a) these Booking Terms and Conditions; and

(b) the terms of the Insertion Order(s);

1.2 This agreement constitutes the entire agreement between the parties and replaces any previous discussions, communications or other documents concerning the supply of the Services.

2   Interpretation

2.1 Definitions

In this agreement, the following words have these meanings, unless the context otherwise requires:

Advertising Copy means all advertising, marketing or other material supplied by you for publication our sites in the form and manner approved by us;

Cancellation Fee means the estimated charges and costs we would have reasonably expected to received for provision of Services but for your late cancellation including our charges for producing any Custom Materials and our Fees for publishing any Custom Materials or Advertising Copy based on the applicable Insertion Order;

Confidential Information means:

(a) this agreement; and

(b) all information of a confidential nature disclosed or communicated by the disclosing party to the recipient including any financial and pricing data; business plans; policies; suppliers; inventions; product information and information about a party’s marketing and/or promotional activities

(c) but excludes any information which the recipient can establish:

(i) is or becomes generally available in the public domain otherwise than through a breach of this agreement or any obligation of confidence owed to the disclosing party;

(ii) is or becomes known to the recipient from a source other than the disclosing party otherwise than through a breach of an obligation of confidentiality owed to the disclosing party;

(iii) is or has been independently developed or acquired by the recipient; or

(iv) is approved in writing by the disclosing party for disclosure by the recipient;

Creative Services means design, production and promotional services we provide for interactive media including without limitation creating, producing and marketing Custom Materials, advertising marketing campaigns, e-direct marketing, developing and hosting integrated offerings such as competitions and associated creative services;

Fees means our fees and chargers for the provision of Services as specified in the Insertion Order;

Indirect Losses includes losses of profits, revenue, opportunity, anticipated savings or data or any indirect or consequential loss or damage;

Insertion Order means an insertion order which specifies details of the Services we agree to provide to you;

Launch Date means the date at which we are scheduled to publish any Advertising Copy or make available any Custom Materials for publication as specified in the Insertion Order;

Order means an order for Services described in an Insertion Order which has been accepted by us in accordance with this agreement;

Rate Card means our current standard rates and charges for the provision of Services as notified to you from time to time;

Services means the services to be supplied by us to you described in any Insertion Order;

User means a person who accesses a page on our sites;

We, our or us means SuperGuide Unit Trust, trading as SuperGuide Pty Limited (ABN 96 583 886 526);

You or your means the person identified as the “Customer” in the Insertion Order; and

Value Credit means a credit we may issue to you upon your cancellation of an Order in accordance with 3.4 (b) for the supply by us of replacement services of equivalent value to the Order.

3   Services

3.1 Provision of Services

We will provide to you with, and you agree to use the Services on our sites in accordance with this Agreement.

3.2 Orders for Services

(a) You may request Services from us by completing an Insertion Order.

(b) We will not be obliged to supply you the particular Services set out in the Insertion Order until you have signed the Insertion Order.

(c) We may require you to submit a completed Credit Application Form prior to our signature of the Insertion Order.

3.3 Cancellation of Services

(a)  You may cancel an Order for any Services at any time without charge provided that you give us at least ten (10) days notice prior to the Launch Date.

(b) In the event you cancel an Order for Services on less than the notice period set out in clause 3.3 (a) we may in our discretion issue you with a Value Credit or charge you a Cancellation Fee.

(c) All Value Credits must be used within sixty (60) days of the issue date.

(d) You further acknowledge that use by you of any Value Credit is subject to the availability of replacement services and that we may in our discretion restrict your use of any Value Credit for Premium Services to the purchase of non Premium Services of equivalent value.

(e) We may cancel an Order or part Order at any time without giving you any reasons for the cancellation. If we exercise this right we will at our option:

(i)  refund to you any Fees that you already paid to us; or

(ii) issue a Value Credit; or

(iii) reschedule the Launch Date to another date within sixty (60) days of the cancellation date; and you agree that this is our sole liability to you in relation to that particular Order or part Order.

4   Advertising Copy

4.1 Form of Advertising Copy

You will ensure all Advertising Copy complies with our advertising specifications which are available on request.

4.2 Website Links

You will ensure that any url referenced in any Advertising Copy will link Users to the intended website. We may test whether the url is functional and may in our discretion link to an alternative url for any url which does not meet with our approval.

Examples of urls that would not meet our approval include pages that feature pop-ups or warning messages.

4.3 Delivery of Advertising Copy

(a) You will supply us with Advertising Copy for our approval at least five (5 days) prior to the Launch Date.

(b) If we do not receive your Advertising Copy on time we may treat this as a cancellation of the applicable Order or part thereof and we may charge you a Cancellation Fee.

5   Sales Materials

You acknowledge that any marketing slide packs, mock ups, presentations or marketing materials supplied to you concerning our Services are examples only and that we may in our discretion vary the placement of any Advertising Copy including Integration Placements within our sites.

6   Creative Services

6.1 Instructions and Materials

You will supply us with any design instructions, logos, art work or materials which we will need to carry out Creative Services for you in the manner and format we specify at the time of completion of the Insertion Order.

6.2 Approval of Custom Content

We will use reasonable endeavours to supply mock ups of all Custom Materials for your approval reasonably in advance of the Launch Date.

6.3 You must promptly check mock ups upon receipt and notify us of your approval or of any errors or amendments you require prior to the Launch Date. We may charge you additional fees for any amendments’ we estimate will take more than one business day’s work to complete.

6.4 Subject to Clause 6.2 if we do not receive your approval for mocks ups of the Custom Materials supplied to you at least two (2) days prior to Launch Date we may in our discretion treat this as a cancellation of the applicable Order or part thereof and we may charge you a Cancellation Fee.

7   Warranties

7.1 Your Warranties

You warrant to us that:

(a) you have all applicable licenses and consents necessary to enter into and perform your obligations under this agreement;

(b) you are fully authorised to act on behalf of any advertiser or client on whose behalf you are requesting Services;

(c) you have complied and will continue to comply with all applicable laws and regulations in performing your obligations under this agreement;

(d) you will not breach any agreement, arrangement or understanding with a third party as a result of entering into or performing any part of this agreement;

(e) Advertising Copy comply with all applicable laws and regulations and industry guidelines;

(f) Advertising Copy will not infringe the intellectual property rights of any person;

(g) Advertising Copy will not include or contain a link to any content that is, illegal, obscene, violent, defamatory, pornographic or mentions bitcoin or other cryptocurrencies;

(g) Advertising Copy will comply with ASIC rules in relation to SMSFs and the promotion of property investments;

(h) you will not insert any tag, code, cookie or other data tracking or collection device into the Advertising Copy without our express permission; and

(i)  you will not use or redistribute to any third party without our permission any information or reports we may supply to you other than for the purpose of evaluating the performance of our Services.

7.2 Our warranties

We warrant to you that:

(a) we have the right to supply the Services to you;

(b) we will use reasonable care and skill in supplying the Services; and

(c) we will comply with all applicable laws and regulations in supplying the Services.

7.3 Exclusion of Warranties

We exclude all implied conditions and warranties from this agreement except any conditions or warranties (such as those implied by the Trade Practices Act (1974)) which cannot by law be excluded.

8   Intellectual Property

(a) Unless otherwise agreed in the Insertion Order we or our licensors own the intellectual property in the Custom Content, our trade marks and any other material developed or provided by us under this agreement.

(b) You and your licensors own the intellectual property in any Advertising Copy, your trade marks and any other material you provide to us under this agreement.

(c) Except as authorised by this agreement, the parties agree not to reproduce the other party’s intellectual property.

8.2 Licence of Intellectual Property

(a) You grant us a limited, non-exclusive and non-transferable licence to reproduce and communicate to the public the Advertising Copy on our sites in accordance with the agreement.

(b) You grant us a limited non-exclusive right to copy, adapt, modify and otherwise use any logos or other design materials you supply to use for the purposes of supplying you with Creative Services.

9 Payment

9.1 Rates and Fees

You will pay the Fees. If no Fees are specified in the Booking Form the charges for our Services will be as set out in our current Rate Card at the time of our acceptance of the Order.

9.2 Changes to Rates

We may change our Rate Card from time to time without notice.

9.4 GST and taxes

You will pay all taxes, duties and other government charges payable or assessed in connection with this agreement including goods and services tax, other value added tax, sales or use taxes, stamp duty and turnover tax, but excluding taxes, duties and government charges assessed on our income.

9.5 Invoices

(a) We will invoice you monthly for fees and costs due under this agreement.

(b) You will pay the amounts invoiced within thirty (30) days of the date of the invoice. You may if agreed with us, make payment by electronic debit to our nominated account.

(c) If payment is not received within thirty (30) days of the date of the invoice we reserve the right to charge additional administration and interest fees.

9.6 Measurement of Advertising

We will measure advertising (including impressions delivered and clicks achieved) through our Doubleclick for Publishers advertising system. Results from third party ad-servers will not be accepted for the purposes of billing and assessment of advertising performance.

10 Confidential Information

(a) Each party must:

(i) take all action reasonably necessary to maintain the confidentiality of the other party’s Confidential Information;

(ii) not disclose the other party’s Confidential Information to any person except as permitted under paragraph (b);

(b) A party (“recipient”) may disclose the Confidential Information of the other party:

(i) to a representative of the recipient who needs to know the Confidential Information for the purposes of this agreement and subject to the recipient taking reasonable steps to ensure that any such representative is fully aware of the confidential nature of the Confidential Information of the disclosing party before the disclosure is made; or

(ii) which is required or authorised to be disclosed by any law.

11 Indemnity and liability

You indemnify us against all loss or liability we may suffer or incur arising out of any claim made against us as a result of breach of your warranties in clause 8.1 and any act or omission by you in connection with your Advertising Copy.

11.1 Limitation of Liability

(a) neither party is liable for any Indirect Loss incurred by them or by any other person arising out of or in connection with this agreement; and

(b) our liability to you for any claims made under this agreement (whether such liability arises in contract, tort (including negligence) or otherwise) is, to the fullest extent permitted by law, limited at our option to resupplying the Services or paying the cost of having the Services resupplied.

11.2 No responsibility for Advertising Copy

(a) We are not liable for any aspect of the Advertising Copy including any products or services referred to in the Advertising Copy.

(b) You are solely responsible for the content of all Advertising Copy and associated products and services, including any ancillary competitions and promotions.

11.3 Complaints

If you wish to make a claim for a Value Credit, republication or any other remedy in respect of our Services you must send the claim to us no less than fourteen (14) days after the Launch Date.

12 General

12.1 Applicable law

This agreement is governed by the laws of Victoria, Australia. Each party submits to the non-exclusive jurisdiction of the courts of that place.

12.2 Notices

A notice must be in writing to the address of the addressee as stated in the Insertion Order.

12.3 Public statements

Neither party may issue a press release or other public statement in relation to this agreement without the prior written consent of the other.

12.4 No Agency

This agreement will not create a joint venture, legal partnership, employment or agency relationship between you and us.

12.5 Assignment

Neither party may transfer or assign this agreement without the other party’s prior written consent (not to be unreasonably withheld).

12.6 Force Majeure

Neither party will be liable for its failure to perform any of its obligations under this agreement due to any contingency beyond its reasonable control.

12.7 Privacy

SuperGuide may collect your personal information to provide the Services to you and for invoicing purposes. The collection, use or disclosure of any personal information provided to us by you in connection with your use of the Services is subject to the SuperGuide Privacy Policy which is available at www.superguide.com.au/about/privacy.

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

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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Level 23, 520 Oxford St,
Bondi Junction, NSW 2022

Phone

1800 955 753

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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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