Terms and Conditions

By accessing and using the functionality of superrefunds.com.au you acknowledges that you have read and understood and agree to be bound by the Super Refunds Pty Limited "Terms & Conditions" of use including any future modifications to these terms and conditions. Should you object to any of the "Terms and Conditions" including any future modifications, your only recourse is to discontinue your use of the Super Refunds Pty Limited website and any related services.
This website and all related services are directed to and are available only to Australian residents.

General

Information displayed on this website is of a general nature only and it is not to be taken as either advice or any form of endorsement or recommendation. The information does not take into account any individuals needs, financial goals & objectives or financial circumstances.

Super Refunds Pty Limited reserves the right to modify these "Terms and Conditions" at its absolute discretion. If the "Terms and Conditions" are modified in any way the amended "Terms and Conditions" will be posted on the Super Refunds Pty Limited website. You are responsible for reviewing the "Terms & Conditions" periodically to ensure that you continue to agree to be bound by any changes to these "Terms and Conditions". Your continued use of superrefunds.com.au and associated services constitute acceptance of any modifications made to the "Terms & Conditions".

The use of superrfunds.com.au its and related services is at the absolute discretion of Super Refunds Pty Limited. Super Refunds Pty Limited reserves the right to at any time suspend or cancel or limit the use of any of its services in whole or in part either on an individual basis or more generally.

Super Refunds Pty Limited may collect and store your personal data. Your personal data will be treated in accordance with the Super Refunds Pty Limited privacy policy. It is your responsibility to update your personal data as necessary to enable you to take advantage of the Super Refunds Pty Limited services. You may do this by emailing the changed details relating to your member account to admin@superrefunds.com.au

Limitation of Liability

While every reasonable effort is made to ensure the accuracy of the data contained within the Super Refunds Pty Limited website, Super Refunds Pty Limited does not guarantee or make any representation that the data will be current, complete or free from errors. Before entering into any transaction it is your sole responsibility to check the accuracy, currency and completeness of any information relied upon.

All information relating to financial services and products appearing on superrefunds.com.au has been supplied by third party providers. Super Refunds Pty Limited acts only as a publisher of this information and makes no representation as to its accuracy, completeness or currency. Furthermore, Super Refunds Pty Limited makes no representation as to the appropriateness of the product or service to any individual. Super Refunds Pty Limited does not guarantee the performance of or make any form of endorsement or recommendation of any of the financial products and services published.

It is your sole responsibility to assess the suitability of a financial product or service available through this website but offered to the member by a third party by reading and understanding the Product Disclosure Document of any financial product being considered.

Before applying for any financial product or service listed on superrefunds.com.au you must decide for yourself whether the product or service is suitable for your situation taking into account your individual financial circumstances, financial goals and objectives, risk tolerances and financial needs. If you are not comfortable making these decisions on your own you should consult and seek advice from a licensed financial advisor.

Offers of a financial product published on this website must be made in, or accompany a copy of the applicable Product Disclosure Document. Anyone wishing to acquire financial products will need to complete the application form that will be within or will accompany the Product Disclosure Document.

Once an application for a financial product or service is received by the offering company, its acceptance or otherwise and the timing of that acceptance is at the offering company's complete and total discretion in accordance with the Corporations Act and the Product Disclosure Document. Super Refunds Pty Limited makes no assurance or guarantee that an applicant will receive the financial product or service applied for or the timing of that acceptance.

To the maximum extent permitted by law, Super Refunds Pty Limited and all associated parties (including directors, officers and employees and agents), expressly disclaim any and all liability resulting from a third party Disclosure Document available through this web site.

To the maximum extent permitted by law Super Refunds Pty Limited, its directors, employees, officers and agents -
expressly disclaim any and all liability for any loss or damage arising from information published on superrefunds.com.au and, are not liable to compensate you or any other third party for any loss, damage, cost or expense sustained in connection with or incurred as a result of advice, recommendation, or information either expressed or implied within this website or contained within any Product Disclosure Statement published that you are provided access to via this website, or in connection with any application you are provided access to via this website for financial products or services notwithstanding any errors or omissions including negligence.

Super Refunds Pty Limited reserves the right to withdraw, amend, suspend or modify any or all of the services offered or any other promotional service at any time without notice.

Fee Disclosure

Managed Funds, Superannuation, Pension funds Structured products, Agribusiness MIS & Margin lending:

When a member purchases a new investment, Super Refunds Pty Limited will include 100% of the initial commission on managed funds, superannuation funds, allocated pensions, structured products or Agribusiness MIS to the member's refund account and will be refunded in accordance with the member account policy.

Trailing commissions collected on managed funds, superannuation funds, pension funds, structured products and agribusiness MIS & margin lending accounts will be credited to the member's account and will be available to be refunded in accordance with the member refund account policy.

Personal Insurance Policies:

When a member purchases a personal insurance policy through Super Refunds Pty Limited , we will refund 50% of the initial upfront commission paid to us by the insurer. This 50% refund will be refunded upon the completion of the first 13 months of the policies commencement and premium payments to the insurer..

Trailing commissions collected on personal insurance policies will be credited to the member's account and will be available to be refunded in line with the member refund account policy.

Member Account Policy

On the anniversary of your membership, Super Refunds Pty Limited will refund an amount equal to 50% of the first $1,000, plus 100% of the remaining balance of your member account. Super Refunds Pty Limited will only retain a maximum amount of $500 for our services. 100% the balance of your member account is returned to the Super Refunds Pty Limited member.

The refund payment will take the form of a cheque made out to the member and will be mailed to the members postal address during the month following the anniversary of membership of the Super Refunds Pty Limited service.

Super Refunds Pty Limited gives existing members the opportunity to be rewarded for referring others to the Super Refunds Pty Limited service. Super Refunds Pty Limited will pay the referring member the sum of $50.00 per referred member once the referred member's total refund exceeds $250. This payment is an annual payment to the referring member payable on the same date the referred member is due his/her refund. This referral payment will be mailed directly to the referring member.
This referral payment is paid by Super Refunds Pty Limited out of its own funds and the fee does not effect the referred member's refund.

Super Refunds Pty Limited may have a financial interest in the outcome of the offers of financial products by way of commission payment for subscribed financial products obtained through the Product Disclosure Statements made available through this website.

Super Refunds Pty Limited may receive fees from advertising on the Super Refunds Pty Limited web site and within newsletters and emails.

Important Notice – Super Refunds Pty Limited is a "NO ADVICE SERVICE"

All information contained in the Super Refunds Pty Limited website is of a general nature only and is not intended to be used or interpreted as financial advice. The data and information published does not take into any members personal financial goals & objectives, financial situation and needs or individual risk tolerances. Any statement made within the Super Refunds Pty Limited website is not to be taken regarded as financial or investment advice.

Prior to making any application based on any of the reports, readings or statements contained within the Super Refunds Pty Limited website, you must first read and understand the Product Disclosure Document that the application will accompany. You are also responsible for conducting your own research to satisfy yourself as to the accuracy, reliability, completeness and timeliness of the information contained within the Product Disclosure Document. If you are not comfortable with respect to any aspect of your application or your own personal financial situation you should seek professional advice from a licensed financial advisor.

Super Refunds Pty Limited does not vet, authorise or endorse the reliability, accuracy or completeness of the information published on this website nor does it guarantee the accuracy of any of the Product Disclosure Documents contained within this website and your reliance on them is at your own risk.

It is your responsibility to check the details of a Product Disclosure Statement which is supplied by third parties and downloadable from the Super Refunds Pty Limited website for accuracy, completeness and currency.

Your Responsibilities

You must not use superrefunds.com.au for any illegal activity.

You must not register as a member multiple times, impersonate or open an Super Refunds Pty Limited account for anyone other than yourself.

You must not use, copy, reproduce, sell, translate, transmit, publish or post in whole or in part any of the contents of this website without the written permission of the directors of Super Refunds Pty Limited.

You must keep your Super Refunds Pty Limited member number secure and not disclose it to any third party. Super Refunds Pty Limited accepts no responsibility for any consequence arising from an unauthorised third party accessing members accounts and/or changing member details.

You must immediately notify Super Refunds Pty Limited if you suspect that the security of your Super Refunds Pty Limited member number has been compromised.

You must be an Australian resident to avail of the services of Super Refunds Pty Limited . If you are not a resident of Australia you must not treat any information contained within the Super Refunds Pty Limited website as an offer or invitation to purchase a financial product or service.

You must comply with the laws applicable to your current residence and in Australia. 

You acknowledge that all information provided by Super Refunds Pty Limited or able to be accessed via the Super Refunds Pty Limited website including promotional material, is prepared by third party providers and that Super Refunds Pty Limited is making no recommendation as to the appropriateness of the product or service to you or providing any assurance or warranty as to the accuracy, reliability or completeness of the information provided.

You acknowledge that all information provided by Super Refunds Pty Limited including promotional material or able to be accessed via the Super Refunds Pty Limited website does not constitute financial advice and may not be relied upon as such.

You acknowledge that you have read and agree with all of the above Terms and Conditions prior to making any financial decisions.

Jurisdiction

The jurisdiction for the interpretation and governance of these "Terms and Conditions" is in the state of New South Wales. You submit to the jurisdiction of the Courts of New South Wales.  If any one or more of the above "Terms & Conditions" are held to be invalid by a Court of Law, the remaining "Terms and Conditions" will continue with full effect. The clauses relating to Limitation of Liability and Jurisdiction shall survive the ending of this agreement.