Not registered for Member Online?
There are some important things you should know before accessing Online Advice.
You’ll find all the terms and conditions here.
This website is provided by QSuper (referred to below as QSuper, we, us or our). The following terms (Terms) apply to your use of this Online Advice website and/or any other services that we provide in connection with the website (Website). We reserve the right at any time to modify, update or otherwise alter these Terms.
By accessing and using Online Advice, you are considered to have read and agreed to these Terms, as they exist at that time. If you do not agree to these Terms, you must cease accessing and using Online Advice immediately.
Third party websites
The Online Advice website may contain a number of links to other websites which are operated by third parties and may have their own terms and conditions of use. These links are provided for your convenience and do not constitute an endorsement of the information made available through those websites. Where such material is provided, the views expressed in this material do not necessarily reflect the official policy of QSuper.
We do not make any warranty or representation as to the quality, accuracy, currency or fitness for purpose of any information or materials contained on websites linked from or to this website.
Additionally, QSuper is not responsible either directly or indirectly for any damage or loss caused by the use of or reliance on the content of to linked websites and does not warrant that those sites or any material contained in or obtained from those sites is error or virus-free.
Nature of advice
The information provided on the Online Advice website is of a general nature only and does not take into account your objectives, financial situation or specific needs and does not constitute financial, investment, professional, legal or taxation advice. You should consider your own financial situation and needs, read the relevant Product Disclosure Statement and consult an adviser if required before making an investment decision. QSuper will not accept any responsibility for any loss or damage caused by reliance on the information provided on the website.
Accuracy of information
While QSuper makes every reasonable effort to maintain current and accurate information, you should be aware that there is still the possibility of inadvertent errors and technical inaccuracies.
QSuper does not warrant that the website, or any material contained in or obtained through it, is complete and error- or virus-free.
You should take this into account in time-sensitive circumstances, such as changing your investment choices, or when you need to provide information to QSuper by a particular date or time.
We disclaim, to the maximum extent allowed by law, any warranties, either express or implied, with respect to these Terms or the website, including but not limited to warranties of accuracy, completeness, non-infringement or usefulness of the website. However, we do not exclude or limit any provision of any statute (including the Competition and Consumer Act 2010 (Cth)) where to do so would contravene that statute or cause any part of these Terms to be void.
To the extent that the ACL permits us to limit our liability, our liability will be limited to the resupply of the services or payment of the cost of resupplying the services.
To the extent permitted by law and subject to our liabilities and obligations under the ACL:
We will not be liable to you for any and all injury, loss or damage (including any consequential, indirect, punitive, special or incidental damages), however it arises or relating to your (or any third party’s) use of or inability to use the website, or use of or reliance upon information or materials contained on the website (and including, but not limited to, negligence, breach of contract, tortious conduct or breach of statutory duty).
If you have any queries about these Terms, please contact the QSuper member services on 1300 360 750
QSuper's Terms and Conditions have been updated. Please accept the changes to continue using the portal.
QSuper's Member Online is a web-based superannuation administration portal owned by the QSuper Board of Trustees of the State Public Sector Superannuation Scheme (ABN 32 125 059 006) ('QSuper Board') which is operated on its behalf by its fund administrator QSuper Limited (ABN 50 125 248 286, AFSL 334546) ('QSL'). QSL is wholly owned by the QSuper Board. Member Online and all products are issued by the QSuper Board as trustee for the State Public Sector Superannuation Fund (ABN 60 905 115 063) ('QSuper Fund').
Member Online is available for access and use by QSuper members only. Member Online can only be accessed after completing the registration process. You will become a registered user of Member Online and be entitled to access and use Member Online when your registration is accepted by us. Certain Member Online functions may require you to undergo further identification verification steps in order to access those functions, and access to those functions will only be granted when these further steps have been completed to our satisfaction.
You must not use Member Online or its content in any manner or for any purpose which is unlawful or in any manner inconsistent with these Terms and Conditions. Additional specific terms may also apply and these are set out after these general terms. We reserve the right to deny or to refuse access to any person at our discretion.
References to 'you', 'your' and 'yours' are references to the person(s) accessing Member Online.
References to 'we', 'us', 'our' and QSuper are references to each of the QSuper Board, the QSuper Fund and QSL, unless expressly indicated otherwise.
We reserve the right to change these Terms and Conditions at any time. Where significant changes are made, you will be required to reaccept the Terms and Conditions. Any subsequent access to, or use of, Member Online by you will constitute an acceptance of those modifications.
We will endeavour to inform users about changes to functionality before they come into effect, through channels deemed appropriate by QSuper. We reserve the right to change the functionality of Member Online at any time without prior written notification.
It is a requirement of Member Online that you provide a valid email address, and inform us if you change it.
You agree to receive emails in relation to your use of Member Online.
You agree that where we are required by law or otherwise to provide you with a document, you consent at our option to the provision of that document electronically (whether provided on or through links on Member Online or via email). We recommend that you print a copy of any document so provided or file it electronically for future reference.
You agree not to dispute the validity or enforceability of electronic communications and you will be taken to have received such communications whether or not you access the communications on Member Online.
We will endeavour to provide access to Member Online on a 24 hour basis, however there may be times when Member Online is unavailable due to scheduled maintenance, or for other reasons such as force majeure.
You acknowledge that:
You are solely responsible for any activity or loss caused by use of your personal log on information. You are responsible for any access to Member Online as a result of use of your personal log on information, including any use you have not approved (including where such use involves an unauthorised or fraudulent act) unless your personal log on information has become known or accessed by a third party as a result of our negligence.
Access to Member Online is only available to you whilst you are a registered user of Member Online and hold current log on information and password. Once access is granted, any actions by a person using that log on information and password will be deemed to be made by you or with your authority. Your log on information and password entitle anyone who correctly uses them to conduct the type of operations on Member Online for which designated user rights have been provided. You acknowledge and accept that we cannot verify whether the user of correct log on information and a password is a registered user of Member Online.
If you believe that your log on information or password have been compromised, lost or misplaced please contact us immediately using one of the methods detailed on our contact us page.
We do not advise you to access Member Online from computer terminals which are shared with other users (e.g. internet cafes). It is difficult to ensure these computers are free of malicious software such as spyware which might allow someone to access your log on information or password and make unauthorised use of these. We also recommend that you maintain up to date virus protection software on your computer which should assist in protecting it from malicious software and spyware.
QSuper can cancel or suspend your access to Member Online at any time, at our discretion without notice. All indemnities by you, and disclaimers and limitations of liability by QSuper will continue after termination.
You may cancel your registration with Member Online by notifying us in writing and we will terminate your access within 5 business days of receipt of that written notice.
You agree to indemnify us against all actions, suits, claims, demands, liabilities, costs, expenses, loss, and damage (including legal fees on a full indemnity basis) incurred or suffered by us:
except to the extent that liability is directly caused by a breach of these Terms and Conditions by us, or by any negligent act or omission by us.
Where the term 'QSuper' is used on the QSuper website and within Member Online, it represents the QSuper Board, the QSuper Fund and QSL, unless expressly indicated otherwise.
All copyright, rights and interest in this website are owned or controlled by QSuper. The QSuper website and Member Online contains a number of registered trademarks which are owned by QSuper, or are used with the permission of the registered trademark owners.
You agree to use Member Online and its contents solely for your own non-commercial use and benefit, and not for resale or other transfer or disposition to, or use by or for the benefit of, any other person. You must not republish, redistribute, copy, frame, modify, interfere with the working of, reverse engineer, remove, paste onto, link to or from another website any part of the QSuper website or Member Online, or in any way exploit any part of the QSuper website, Member Online or the content.
Any information collected by us in connection with your use of Member Online will be used to provide the action you have requested. Access to and correction of any of your information held by us is available on request.
We expressly reserve the right to monitor and track any or all use of Member Online. We may track the number of users who visit areas of the QSuper website and Member Online. We may also record the IP address of your computer on the internet for systems administration and trouble shooting purposes and to report aggregate information.
We will collect personal information if you commence or submit an application online, or otherwise knowingly provide us with personal information.
The information on the QSuper website and Member Online has been prepared for general purposes only without taking into account your financial objectives, situation, or needs, and should not be relied on as legal or taxation advice, nor does it take the place of such advice, so it may not be appropriate for your circumstances. As a result, you should consider the appropriateness of the information for your circumstances and read the relevant product disclosure statement (PDS) before making an investment decision and you should consider seeking advice from a financial adviser. You can download the relevant PDS or guide, or call us and we’ll send you one. Please note that all investments carry some risk and past performance is not a reliable indicator of future performance.
Despite any other provision in these Terms and Conditions, if we are unable to perform or are delayed in performing an obligation under these Terms and Conditions by reason of an act of God, lockout or other interference with work, war declared or undeclared, blockade, disturbance, lightning, fire, earthquake, storm, flood, explosion, governmental restraint, expropriation, prohibition, intervention, direction or embargo, and any other cause, which is not reasonably within the control of QSuper ('Force Majeure Event'), and notice has been given to you as soon as reasonably practicable:
If any provision of these Terms and Conditions is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these Terms and Conditions and will not affect the validity and enforceability of the remaining provisions.
These Terms and Conditions, the information in Member Online and all matters relating thereto are governed by and to be construed in accordance with the laws of Queensland and are within the exclusive jurisdiction of the Australian courts.
Member Online contains the option which allows you to make your own investment switches online. As a QSuper member, you can change your choice as many times as you like. If you make an investment switch online the following conditions will apply as well as any further conditions that may be stipulated at the time you make the investment switch:
We will only process switch applications and withdrawals that have been validly received and accepted by us. If for any reason your switch application has not been received and accepted by us, including as a result of any technical issues with Member Online or your own computer equipment, we will not process the switch application and, to the extent permitted by law, we disclaim any liability to you or any other person for not processing such an application. If you are unsure as to whether a switch application has been received and accepted by us, please contact us immediately by using one of the methods detailed on our contact us page.
Investments in any of the investment options available on Member Online do not represent investments, deposits or other liabilities of QSuper. Neither QSuper, the fund manager managing assets within an investment option, service providers or subsidiaries of any of the parties mentioned, guarantee the repayment of capital or the performance of the relevant product or the return of capital or income. Your investment in any investment switch option is subject to investment risk. This could involve delays in repayment and loss of income or the principal invested.
Under the Superannuation Industry (Supervision) Act 1993, we are authorised to collect your tax file number, which will only be used for lawful purposes.
These purposes may change in the future as a result of legislative changes. The QSuper Board may disclose your TFN to another superannuation provider when your benefits are being transferred, unless you request in writing to QSuper that your TFN not be disclosed to any other superannuation provider.
It isn't compulsory for you to provide your TFN to QSuper, but if you don't provide it: