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Privacy & Disclaimer | Site Terms

Advice Warning

The information provided on this website is of a general nature only. It has been prepared by Industry Fund Services Limited (ABN 54 007 016 195, AFSL 232514) without taking into account your personal objectives, financial situation or needs. You should assess your own financial situation, read the relevant product disclosure statements, and consider obtaining independent financial advice before making any investment decisions based on this information.

IFS is a wholly owned subsidiary of Industry Super Holdings Pty Ltd (ABN 71 119 748 060), which in turn is owned by a number of major industry superannuation funds.

Industry Fund Financial Planning

Industry Fund Financial Planning provides financial services in its capacity as a division of Industry Fund Services Limited (ABN 54 007 016 195, AFSL 232514).

>>Read Industry Fund Financial Planning Financial Services Guide (FSG)

IRIS Retirement Income

Super Members Investments Limited (SMI) – ABN 61 095 974 100, AFSL 231230 is the Trustee of IRIS Superannuation Fund, ABN 88 556 625 125. SMI is wholly owned by Industry Fund Services Limited (IFS).

>> Read IRIS FSG

ME Investment Funds

Super Members Investments Limited (SMI) – ABN 61 095 974 100, AFSL 231230 is the responsible entity of ME Investment Funds.  SMI is a division of Industry Fund Services Limited (IFS).

>> Read ME Investment Funds FSG

Frontier Investment Consulting - Investment information

Industry Fund Services Limited makes no representations or warranties in relation to the accuracy or completeness of the information provided by Frontier Investment Consulting which is of a general nature only and is not personalised to your financial situation or goals. It should therefore not be viewed as a substitute for personalised, professional financial advice.

Industry Fund Services Limited or its subsidiaries or trading entities cannot be held liable for any incidental, indirect, consequential or special damages of any kind, or any damages whatsoever, including, without limitation, those resulting from loss of profit, loss of contracts, goodwill, data, information, income, anticipated savings or business relationships, whether or not advised of the possibility of such damage, arising out of or in connection with the use of this document or any linked documents and websites.

This information has been prepared by Frontier Investment Consulting (Frontier) for its wholesale clients. Frontier does not warrant the accuracy of any information or projections and does not undertake to publish any new information that may become available. This information does not constitute financial advice. Investors should seek individual advice prior to taking action on any of the issues raised in this report. While this information is believed to be reliable, no responsibility for errors or omissions is accepted by Frontier or any director or employee of the company.

 

Privacy Statement

Industry Fund Services will act to protect your personal information in line with the National Privacy Principles and recognises the importance of protecting the privacy of any personally identifiable information that we collect.

Personal information is only collected from you in order to provide our services. It is used by us to provide you with the products and services that you request and also to provide information to you on products and services that are offered through us.

We may share your personal information with other companies within IFS and external product and service providers. We prohibit third parties from using your personal information except for the specific purpose for which we supply it. 

You may write to us to withdraw your consent for the use of your personal information. However without your consent to use your personal information we may not be able to provide you with the product or services you are seeking.

We may also use personal information as required for by law. For example, legislation such as the Anti-Money Laundering and Counter Terrorism Financing Act, Court Orders or Statutory Notices and Taxation Law. 

The personal information is collected by Industry Fund Services either from you or from a source approved by you and may include your contact details, date of birth, financial and investment details and Tax File Number (if you have chosen to quote it). Over time, this will be supplemented with other information necessary to allow Industry Fund Services to continue to provide services to you.

We are dedicated to keeping the personal information that you have provided us secure. We will use the latest techniques and processes, in keeping in line with current industry standards, to protect your personal information from misuse, loss and unauthorised access, modification or disclosure. We take all necessary precautions to ensure that our online systems are secure.

There are restrictions on collecting sensitive personal information about you, for example religious, ethnic, health, or political information.

As an Industry Fund Services client, you may ask to see the information we hold about you and to have it corrected if required.

To find out more about the personal information we hold and how it is handled, or if you wish to make a complaint about a possible breach of privacy, please contact us:

Telephone: 03 9657 4321
Mail: Industry Fund Services
       Casselden Place
       Level 31, 2 Lonsdale Street
       Melbourne VIC 3000

We offer an internal compliant resolution scheme to all of our customers. If you are still not satisfied with our response, we will tell you about external dispute organisations that are available to help you resolve your complaints.

If you would like more information about the Privacy Act 1988 (Cth), you can contact the Office of the Australian Information Commissioner .

Responsibility for products and services offered lie with the holder of the relevant Australian Financial Services License (AFSL) or Registrable Superannuation Entity License (RSE). The relevant responsible entities will be identified in the associated Product Disclosure Statement or Financial Services Guide as required for each product and service. IFS is not an authorised deposit-taking institution and its obligations do not represent deposits or liabilities of Members Equity Bank (ME Bank).

 IRIS Complaints

We take complaints seriously. A complaint about your IRIS account will be dealt with in the first instance by the IRIS Administrator. If you have a complaint, please contact us directly either by phone on1300 367 485 or write to us at:
Complaints Resolution Officer
IRIS Administration
Locked Bag 200
Carlton South VIC 3053

Upon receipt of your complaint, we will:

  • Acknowledge the complaint promptly and inform you of when you will receive a response,
  • Investigate the complaint in a timely manner, and
  • Respond to you in writing within 90 days of the date of the receipt of your complaint.

If, after completing the IRIS internal complaints process, you are not satisfied with the outcome you may contact the Superannuation Complaints Tribunal (SCT).

Superannuation Complaints Tribunal
Locked Bag 3060
GPO Melbourne VIC 3001
Phone: 1300 884 114
Email: info@sct.gov.au
Web: www.sct.gov.au

The SCT is an independent body, established by the Federal Government to help members of superannuation funds and their dependants resolve certain types of complaints about decisions made by fund trustees where the complaint is not resolved by the fund’s complaint handling process.

 ME Investment Funds Complaints 

We take complaints seriously. A complaint about your ME Investment Funds account will generally be dealt with in the first instance by the ME Investment Funds Administrator. If you have a complaint, please contact us directly either by phone on 1300 655 286 or write to us at:

Complaints Resolution Officer
ME Investment Funds Administration
Locked Bag 200
Carlton South VIC 3053

Upon receipt of your complaint, the Administrator will:

  • Acknowledge the complaint promptly and inform you of when you will receive a response.
  • Investigate the complaint in a timely manner.
  • Respond to you in writing within 45 days of the date of the receipt of your complaint (or longer if agreed by you).

If you are not satisfied with the response from the Administrator you can request that it be escalated to the Responsible Entity Office for further investigation. The final response will be prepared and issued to you within 45 days of receipt of your request for escalation (or longer if agreed by you).

If, after completing the ME Investment Funds internal complaints process, you are not satisfied with the outcome, you have the right to refer it to the Financial Ombudsman Service (FOS).

Financial Ombudsman Service
GPO Box 3
Melbourne VIC 3001
Phone: 1300 780 808
Web: fos.org.au

FOS is an independent external complaints resolution scheme approved by ASIC and SMI Ltd is a member of this scheme as required by law.


Site Terms

1. Definitions
"Content" means the information, photographs, graphics, and other material on the Web Site.
"Installation" means all of the computer hardware and software and any other machinery and equipment operated in conjunction with it and used by us to provide the Services.
"Post" means display, exhibit, publish, distribute, transmit and/or disclose information, details and/or other material on the Web Site, and the phrases "Posted" and "Posting" shall be interpreted accordingly.
"Services" means all or any service provided by us through the Web Site.
"Web site" means our web site (ifs.net.au), and includes all web pages controlled by us.
"User" means any person who uses the Services or visits the Web Site for any purpose.
"We, us, etc" where the context permits it also includes any business company or individual who shares an interest in the sale of any goods and/or service promoted on the Web Site. Without limitation, it includes any subsidiary or associated company of ours, together with any licensor, affiliate, or network partner.
"You, yours etc" where the context permits it also includes any business company or individual who shares an interest in the sale of any goods and/or service promoted on the Web Site. Without limitation, it includes any subsidiary or associated company of ours, together with any licensor, affiliate, or network partner.

2. Our contract
These terms and conditions regulate the business relationship between you and us. By buying our services or using our Web Site free of charge, you agree to be bound by them.

3. Changes to terms
We may change these terms from time to time. The terms that apply to you are those posted here on our Web Site on the day you order Goods / Services. It may be useful to print a copy now.

4. Acceptable use Policy
You agree to comply with these provisions:

  1. You will not use or allow anyone else to use the Web Site to post or otherwise publish:
    • copyright works; 
    • commercial audio, video or music files; 
    • any material which violates the law of any established jurisdiction; 
    • unlicensed software; 
    • software, which assists in or promotes: emulators, freaking, hacking, password cracking, IP spoofing; 
    • links to any of the material specified in this paragraph; 
    • pornographic material; 
    • any material promoting discrimination or animosity to any person on grounds of gender, race or colour.
  2. You will not use the Services for spamming. Spamming includes, but is not limited to:
    • The bulk sending of unsolicited messages, or the sending of unsolicited emails which provoke complaints from recipients;
    • The sending of junk mail;
    • The use of distribution lists that include people who have not given specific permission to be included in such distribution process;
    • Excessive and repeated posting off-topic messages to newsgroups;
    • Excessive and repeated cross-posting;
    • Email harassment of another Internet user, including but not limited to, transmitting any threatening, libellous or obscene material, or material of any nature which could be deemed to be offensive;
    • The emailing of age inappropriate communications or content to anyone under the age of 18. 
  3. You will not use the Services in a manner, which violates any city, local, state, national or international law or regulation, or which fails to comply with accepted Internet protocol. You will not attempt to interfere in any way with our networks or network security, or attempt to use the Services to gain unauthorized access to any other computer system.

  4. You will immediately notify us, of any security breach or unauthorised use of your account. You will not interfere in any way with another User(s) use of the Services. You will not resell, rent, lease, grant a security interest in, or make commercial use of the Services without our express written consent.

  5. You agree not to transfer your email address for gain or otherwise. Transfer of such email address will result in immediate termination of your membership and your contract.

  6. You agree not to assign, transfer, or authorise any other person to use, your membership. If you try to do so, we have the right to terminate your membership.

5. Information you give us
You agree that you have provided, and will continue to provide accurate, up to date, and complete information about yourself.

6. System Security

  • You agree that you will not, and will not allow any other person to, violate or attempt to violate any aspect of the security of the Installation.
  • You agree that you will, in no way, modify, reverse engineer, disassemble, decompile, copy, or cause damage or unintended effect to any portion of the Web Site, or any software used on the Web Site, and that you will not permit any other person to do so.  
  • You understand that any such violation is unlawful in many jurisdictions and that any contravention of law may result in criminal prosecution. 
  • Examples of violations are:
    • accessing data unlawfully or without consent;
    • attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures; 
    • attempting to interfere with service to any user, host or network, including, without limitation, via means of overloading, "flooding", "mail bombing" or "crashing"; 
    • forging any TCP/IP packet header or any part of the header information in any e-mail or newsgroup posting; 
    • taking any action in order to obtain services to which you are not entitled.

7. Content and Intellectual Property Rights

  • Title, ownership rights, and intellectual property rights in the Content whether provided by us or by any other content provider shall remain the sole property of us and / or the other content provider. We will strongly protect its rights in all countries.
  • You may not copy, modify, publish, transmit, transfer or sell, reproduce, create derivative works from, distribute, perform, display, or in any way exploit any of the Content, in whole or in part, except as is expressly permitted in this agreement. 
  • You may post into the Services any Content owned by you. You accept all risk and responsibility for determining whether any Content is in the public domain. You grant to us the right to edit, copy, publish, distribute, translate and otherwise use in any medium and for any purpose any Content that you place on the Service. You represent and warrant that you are authorized to grant all such rights. 
  • You may download or copy the Content only for your own personal use, provided that you maintain all copyright and other notices contained in such Content. You may not store electronically any significant portion of any Content. 
  • You represent that any user name or email address selected by you, when used alone or combined with a second or third level domain name, does not interfere with the rights of any third party and has not been selected for any unlawful purpose. You acknowledge and agree that if such selection does interfere with the rights of any third party or is being selected for any unlawful purpose, we may immediately suspend the use of such name or email address, and you will indemnify us for any claim or demand that arises out of your selection. You acknowledge and agree that we shall not be liable to you in the event that we are ordered or required by a court or judicial authority, to desist from using or permitting the use of a particular domain name as part of a name or email address. If as a result of such action, you lose an email address, your sole remedy shall be the receipt of a replacement.

8. Indemnity
You agree to indemnify us against any claim or demand, including reasonable lawyers fees, made by any third party due to or arising out of your use of the Services, the breach or violation of this Agreement by you, or the infringement by you, or by any other user of the Services using your computer, of any intellectual property or other right of any person or entity, or as a result of any threatening, libellous, obscene, harassing or offensive material contained in any of your communications.

9. Interruption to the Service

  • If it is necessary for us to interrupt the Services then we may do so without telling you first.
  • You acknowledge that the Services may also be interrupted for reasons beyond our control. 
  • You agree that we are not liable to you for any loss whether foreseeable or not, arising as a result of interruption to the Services.

10. Our liability

  • Your use of the Services is without any warranty or guarantee.
  • Where we provide a service without specific charge, then it is deemed to be provided free of charge, and not to be associated with any other service for which a charge is made. Accordingly, there is no contractual nor other obligation upon us in respect of any such service. 
  • We or our content suppliers may make improvements or changes to the Web Site, the content, or to any of the products and services described on the Web Site, at any time and without notice to you. 
  • You are advised that content may include technical inaccuracies or typographical errors. 
  • We give no warranty and make no representation, express or implied, as to:
    • the truth of any information given on the Web Site by any Associate or third party;
    • any implied warranty or condition as to merchantability or fitness for a particular purpose;
    • compliance with any law;
    • non-infringement of any right.
  • Much of the material provided on the Web Site is Posted (and thereby published) by Users. We are under no obligation to monitor, vet, check or approve any such material. We disclaim all responsibility for information published on the Web Site by any person.
  • The Web Site contains links to other Internet web sites. We have neither power nor control over any such web site. You acknowledge and agree that we shall not be liable in any way for the content of any such linked web site, nor for any loss or damage arising from your use of any such web site.
  • In no event shall we or our content suppliers be liable for any special, indirect or consequential damages or any damages whatsoever resulting from loss of use, loss of data or loss of revenues or profits, whether in an action of contract, negligence or otherwise, arising out of or in connection with the use of the Web Site or the content available from this Web Site.
  • These disclaimers form an essential part of this agreement. Each sub paragraph in this agreement is independent and severable from each other paragraph and enforceable accordingly. If any restriction is unenforceable for any reason but would be enforceable if part of the wording were deleted, it will apply with such minimal deletions as may be necessary to make it valid and enforceable.

11. Storage of Data

  • We assume no responsibility for the deletion or failure to store, deliver or timely delivery of messages.
  • We may, from time to time and without notice, set limit(s) on the number of messages a User may send, store, or receive through the service, and we retains the right to delete any emails above such limit(s) without any liability whatsoever, and you hereby release us from any such liability. Any notice provided by us to you in connection with such limit(s) shall not create any obligation to provide future notification regarding any change(s) to such limit(s).

12. Modification
We reserve the right to modify the Services and to change the terms and conditions of this agreement at any time, without notice. Your continued use of the Services after such modifications shall be deemed an acceptance by you to be bound by the terms of the modified agreement.

13. Termination

  • You may terminate this Agreement at any time, for any reason, with immediate effect. You may terminate the agreement either by sending notices to us by post or email, or by completing the form on the Web Site and submitting it. We reserve the right to check the validity of any request to terminate membership
  • We may terminate this Agreement at any time, for any reason, with immediate effect by sending you notice to that effect by post or email. 
  • If we terminate, we shall be under no liability to you whatsoever, and you hereby release us from any such liability. 
  • Termination by either party shall have the following effects:
    • your right to use the Services immediately ceases;
    • we are under no obligation to forward any unread or unsent messages to you or any third party;
    • In the event of such termination by us, we will within seven days refund to you the balance of your subscription outstanding for any Service, pro rata with time not elapsed;
    • There shall be no reimbursement or credit if the Service is terminated due to your violation of the terms of this agreement.
    • We reserve the right to terminate your email address in the event that our right to use certain domain names or email addresses terminate or expire. 
  • We retains the right, at our sole discretion, to terminate any and all parts of the Services provided to you, without refunding to you any fees paid if we decide in our absolute discretion that you have failed to comply with any of the terms of this agreement.

14. Severability
If any of these terms is at any time held by any jurisdiction to be void, invalid or unenforceable, then it shall be treated as changed or reduced, only to the extent minimally necessary to bring it within the laws of that jurisdiction and to prevent it from being void and it shall be binding in that changed or reduced form. Subject to that, each provision shall be interpreted as severable and shall not in any way affect any other of these terms.

15. Action Limit
You and we agree that any cause of action arising out of or related to the Services must commence within one year after the cause of action arose; otherwise, such cause of action is permanently barred.

16. No duty to monitor
We are under no obligation to monitor or record the activity of any customer for any purpose, nor do we assume any responsibility through our AUP or otherwise to monitor or police Internet-related activities.

17. Force majeure

  •  Neither party shall be liable for any breach of its obligations resulting from causes beyond its reasonable control including fire, natural disaster, war or military hostilities and strikes of its own employees.
  • Each of the parties agrees to give notice immediately to the other upon becoming aware of an event of force majeure such notice to contain details of the circumstances giving rise to it. 
  • If a default due to force majeure shall continue for more than 4 weeks then the party not in default shall be entitled to terminate this agreement. Neither party shall have any liability to the other in respect of the termination of this agreement as a result of force majeure.

18. No Waiver
No waiver by us, in exercising any right shall operate as a waiver of any other right or of that same right at a future time; nor shall any delay in exercise of any power or right be interpreted as a waiver.

19. Dispute Resolution
In the event of a dispute arising out of or in connection with the terms of this Agreement between you and us, then you agree to attempt to settle the dispute by engaging in good faith with us in a process of mediation before commencing arbitration or litigation.

20. Jurisdiction
This Contract shall be interpreted according to the Laws of Australia and the parties agree to submit to the exclusive jurisdiction of the Australian courts. This agreement shall not be governed by the United Nations Convention on Contracts for the International Sale of Goods, the application of which is hereby expressly excluded.

 

 

 

 

 

 

Last updated on 30th January 2012