Updates to our Terms and Conditions

November 2023

General updates

In the updated Terms and Conditions:

• We further explained restrictions placed on online access.
• We advised that we will give you advance notice of changes to the Terms and Conditions, where practical.
• We clarified that a number of clauses only apply to the extent permitted by law and are not intended to absolve us of responsibility if we are negligent, fraudulent, or engage in deliberate misconduct.
• We removed the indemnity section.
• We made general edits throughout for clarity.

References to QSuper Limited (QSL) have been replaced with ART Group Services Limited.

February 2022

Changes to our legal structure (merger)

We became part of Australian Retirement Trust on 28 February 2022, so we have updated the Terms and Conditions to reflect this:

• We now refer to Australian Retirement Trust as the Fund, instead of QSuper. Any reference to 'QSuper' is a reference to the government division of the Fund.
• We now refer to Australian Retirement Trust Pty Ltd as the Board, instead of the QSuper Board.
• We now refer to our privacy policy for Australian Retirement Trust as the Fund, instead of the QSuper privacy factsheet.

This update includes:

• Changes to extend the Terms and Conditions to cover the QSuper app.
• Additional information regarding security, specifically how you can keep your access credentials and device secure.
• An explanation for how we may end support for specific devices, operating system versions, browser versions and app versions due to practicality or security reasons.
• Additional information about our Privacy policies and Anti-Money Laundering and Counter-Terrorism Financing obligations.

The following information was updated:

QSuper's Member Online is a web-based superannuation administration portal owned by the QSuper Board (ABN 32 125 059 006 AFSL 489650) (‘The Board) as trustee for QSuper (ABN 60 905 115 063) ('The Fund'). Unless we tell you otherwise, Member Online, information and all products are issued by the QSuper Board as trustee for QSuper. Advice is provided by QInvest Limited (ABN 35 063 511 580, AFSL 238274) ('QInvest'). QInvest is a separate legal entity and is responsible for the financial services it provides. Refer to the Financial Services for more information.

Member Online is available for access and use by QSuper members only and those individuals who have submitted an application to the QSuper Board to join the Fund.

May 2016

Electronic Communications and Privacy

The terms and conditions were updated to better explain our approach to electronic communications. The key points:

• Where we are required to provide you with a document by law, we may do so electronically using links in Member Online or via email. This includes your statements, information about our products and significant event notices.
• You may opt out or change your preferences for future communications at any time through Member Online, or give us a call on 1300 360 750.
• You will continue to receive emails in relation to your use of Member Online.

You’ll find more information in the Important information from the QSuper Board of Trustees (pdf).

May 2016

Changes to provide Online Advice in Member Online

Member Online and Online Advice is provided to members by QInvest Limited (ABN 35 063 511 580, AFSL and Australian Credit Licence Number 238274) (QIL). QIL is ultimately owned by the QSuper Board as trustee for the QSuper Fund and is a separate legal entity responsible for the financial services and credit services it provides.

Member Online continues to be owned by the Board of Trustees of the State Public Sector Superannuation Scheme (ABN 32 125 059 006) ('QSuper Board') as trustee for the State Public Sector Superannuation Fund (ABN 60 905 115 063) (‘QSuper Fund’). Unless we tell you otherwise, Member Online and all products are issued by the QSuper Board as trustee for 'QSuper Fund’. More information on our structure and background.

May 2016

Your use of Member Online and the QSuper website

We reserve the right to monitor and track any or all use of Member Online including any visits you make to QSuper website pages while logged into Member Online. We may track the number of users who visit areas of the QSuper website and Member Online. This information will be protected in accordance with our privacy policy.

September 2014

Switch timeframes

Effective from 1 September 2014, the cut-off time for investment switches was changed from 5:00PM to 3:00PM AEST (Queensland time).

Switch applications correctly submitted to QSuper after 3.00pm (AEST) on a 'Business Day' (any day that is not a Saturday, Sunday or public holiday in Brisbane, Australia), or at any time on a non-Business Day, will be considered as having been received on the next Business Day. The unit price two Business Days after this date will then be applied. More information about switching.

April 2014

Withdrawal of Investment Switches

QSuper began to offer our members the ability to withdraw switch requests any time before 3.00pm (AEST) on the Brisbane working day we received the request. After that time, the switch request cannot be withdrawn and the switch will be applied to the account. More information about switching.