A focus on strong performance
SuperRatings' Pension of the Year 4 years in a row4
These terms and conditions apply to QSuper Member Online and the QSuper app ('Member Online'), and your use of and access to these services.
QSuper Member Online is a secure member site owned by Australian Retirement Trust Pty Ltd ('the Board') (ABN 88 010 720 840, AFSL 228975) as trustee for Australian Retirement Trust ('the Fund') (ABN 60 905 115 063). The QSuper app is a downloadable device application that allows QSuper members to access information about their super account and carry out certain transactions. Member Online and the QSuper app will only show transactions for QSuper members in Australian Retirement Trust. Unless we tell you otherwise, Member Online, the QSuper app, information and all QSuper products are issued by the Board.
Member Online is available for access and use only by QSuper members and those individuals who have submitted an application to the Board to join the Fund. 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 refuse access to any person at our discretion.
In these terms and conditions:
a. 'Member Online' refers to both our web-based secure member site and the QSuper app
b. 'You', 'your' and 'yours' refers to the registered person(s) accessing Member Online
c. When we say 'we', 'us', 'our', we are referring to the Board, the Fund, or the Australian Retirement Trust entities, unless the context we are using it in suggests otherwise. QSuper Limited (QSL) (ABN 50 125 248 286, AFSL 334546), QInvest Limited (QInvest) (ABN 35 063 511 580, AFSL 238274), and QInsure Limited (QInsure) (ABN 79 607 345 853, AFSL 483057), are referred to as 'the Australian Retirement Trust entities', and QSL, QInvest, and QInsure are ultimately owned by the Board as trustee for the Fund
d. 'Account' or 'super account' refers to your QSuper superannuation account
e. 'Adviser' means an accountant, financial planner, solicitor, or any other person enlisted to provide you with financial advice in a professional capacity
f. 'Force majeure' or 'force majeure event' means 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 our control
g. 'Internet protocol address' or 'IP address' is the unique number given to each device connected to a network, which can be used to identify your device and device location
h. 'Personal identification number' or 'PIN' means a number to confirm your identity and gain access to a digital system
i. 'Access codes' include your password, PIN, and biometric identifiers such as Face ID, Touch ID, facial recognition, and fingerprint login for both iOS and Android devices
j. 'QSuper website' refers to our public website: https://qsuper.qld.gov.au/
We reserve the right to change these terms and conditions at any time. We may also issue you with additional terms and conditions under exceptional circumstances where access is granted to a third party (e.g. due to a QCAT order), at our discretion. Where significant changes are made, you will be required to re-accept 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, through channels we deem appropriate. 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 to provide you with a document, we may provide that document electronically (whether provided on or through links on Member Online or via email). We may also make this information available or send you a notification by SMS or through the app. The information we will make available in this way includes significant event notifications, financial services guides, product disclosure statements, your benefit statement, our annual report, statements of advice, and exit statements. We recommend that you print a copy of any document provided or file it electronically for future reference.
You will be taken to have received electronic communications whether or not you access the communications on Member Online.
You may opt out or change your preferences for future communications at any time through Member Online, or by contacting us.
Please note that if you have already opted out of receiving this information electronically, we will continue to send it through the post.
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 should take this into account in time-sensitive circumstances, such as when you need to provide information to us by a particular date or time.
You acknowledge that:
When you access Member Online you will be required to set up a username and password that’s unique to you.
When you first log in to the QSuper app, you will be required to set up a personal identification number ('PIN') and, if your device is compatible, a biometric identifier for greater convenience.
'Access codes' includes your password, PIN, mobile passcodes and biometric identifiers such as Face ID, Touch ID, facial recognition, and fingerprint login for both iOS and Android devices. In combination with your username, your access codes are the keys to your account and allow anyone who correctly uses them to conduct transactions or operations in Member Online.
You may need to complete additional security verification checks to access funds or perform other transactions within Member Online. You acknowledge and accept that we cannot verify whether the user of correct log on information is a registered user of Member Online. Any actions by a person using that log on information and password will be deemed to be made by you or with your authority.
When we need additional security checks to process your online requests we may send an access code by SMS to your mobile phone number that is recorded with QSuper. If you change your mobile number please update your QSuper contact details accordingly. You’ll need to promptly enter the received access code into Member Online for the transaction to be processed.
We recommend you give us a mobile phone number used only by you. If the mobile phone is also used by other people, they may receive, or be able to access your SMS access codes and use them to access Member Online or the QSuper app.
We don’t charge you a fee for sending SMS access codes to your mobile phone. However, your mobile phone service provider may impose fees and charges, including fees and charges for sending and receiving SMS messages. The payment of any such fees and charges is the responsibility of the mobile phone account holder. If you have any concerns regarding such fees and charges speak with your service provider.
If you choose not to comply with these terms and conditions, you are solely responsible for unauthorised actions for any activity or loss carried out by unauthorised persons who use your access codes.
You are responsible for any access to Member Online as a result of use of your access codes, including any use you have not approved (including where such use involves an unauthorised or fraudulent act), unless your access code has become known or accessed by a third party as a result of our negligence.
You must notify us immediately if you know or suspect:
Contact us on the phone number supplied on our contact us page. You need to ensure:
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 and make unauthorised use of these. We also advise you not to use 'autocomplete', 'remember me', or 'stay logged in' functionality in browsers.
We 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 us, will continue after termination.
We reserve the right to end support for specific devices, operating system versions, browser versions, and app versions. We may do so due to practicality (e.g. cost to support a declining user base) or security reasons.
You may cancel your registration with Member Online by notifying us and we will terminate your access within 5 business days.
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.
Any reference to "QSuper" is a reference to the Government Division of Australian Retirement Trust.
All copyright, rights, and interest in this website are owned or controlled by the Board as trustee for Australian Retirement Trust. The QSuper website and Member Online contains a number of registered trademarks which are owned by the Board as trustee for Australian Retirement Trust, 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.
We take protecting your privacy seriously. We have practices in place to ensure we comply with the Privacy Act 1988 when we collect, use, disclose, and store your personal information.
We will use your email address to communicate with you via email. Any other 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.
Cookies are small text files that may be stored on your computer and collect information on how you use our website. We use technologies, such as cookies, to customise content and advertising, to provide social media features, and to analyse traffic to the site. We also share information about your use of our site with our trusted social media, advertising, and analytics partners.
We expressly reserve the right to monitor and track any and all use of Member Online and collect data about you. This may include but is not limited to:
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 our control ('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.
In order for us to meet our regulatory and compliance obligations, we will review and increase the levels of control and monitoring we perform. You should be aware, and agree that:
You provide us with the following undertakings and indemnify us against any potential losses arising from any breach by you of such undertakings:
1300 360 750
Mon to Fri 8.00am - 6.00pm AEST
+61 7 3239 1004 (international)
Contact us online
QSuper Member Services
GPO Box 200
Brisbane Qld 4001