Terms and conditions

Terms and Conditions

The website www.guildsuper.com.au (‘the website’ or ‘GuildSuper website’) and the information on our online channels has been prepared and is maintained by Guild Super Services Pty Ltd ABN 79 672 642 394 AFS Representative Number 001306706 ('GSS' ‘the Promoter’ ‘we’ ‘our’ ‘us’) which is a Corporate Authorised Representative of smartMonday Solutions Limited ABN 48 002 288 646 AFSL 23667.

GuildSuper, GuildPension and Child Care Super are products of the Guild Retirement Fund ABN 22 599 554 834 (the Fund). The trustee and product issuer of the Fund is Equity Trustees Superannuation Limited ABN 50 055 641 757 AFSL 229757 RSE Licence L0001458.

Your access to the GuildSuper website and viewing our online channels, including the use of the information, graphics and materials on the website, is subject to these Terms and Conditions, notices, disclaimers and any other statements contained on the GuildSuper website (collectively referred to as "GuildSuper Terms and Conditions"). By using the GuildSuper website or by viewing our online channels, you agree to comply with and be subject to the GuildSuper Terms and Conditions.

In addition to these Terms and Conditions, specific terms and conditions may apply to other parts of the GuildSuper website. To the extent of any inconsistencies between these Terms and Conditions and any specific terms and conditions that apply to other parts of the GuildSuper website, those specific terms and conditions will prevail over these Terms and Conditions.

Access to the GuildSuper website

The information provided by GuildSuper is appropriate only to those persons living in Australia. The products and services offered by GuildSuper are only offered to those persons living in Australia.

General information only

All information provided is general in nature only and does not take into consideration your objectives, financial situation or needs. Please read the relevant Product Disclosure Statement, Target Market Determination and Financial Services Guide available at https://guildsuper.com.au/tools-and-resources/forms-and-documents  and consider whether the product is appropriate for your needs. We recommend you consider seeking personal financial advice before deciding whether to acquire, or continue to hold, interests in the Fund.

The material and information provided by GuildSuper on our online channels should not be used or relied upon as a substitute for personal advice. The information provided by GuildSuper is not a recommendation to purchase any insurance or financial products, investments or securities offered or provided by or in conjunction with the Fund.

The operation and management of the Fund is governed by superannuation, taxation and related information and the Guild Retirement Fund Trust Deed. To the extent of any conflict between the information provided on the GuildSuper website or via our online channels and the Trust Deed, the Trust Deed will prevail.


The information contained within our online channels are believed to be accurate at the time of compilation and are provided by GSS in good faith. However, the use of our online channels are at your sole risk.

GSS does not expressly or impliedly warrant the accuracy, adequacy or completeness of the information contained in our online channels. We accept no liability for any direct, indirect, special, incidental or consequential damages from decisions taken on the basis of the information shown on or omitted from our online channels.

Products and services and investment performance

Neither the Promoter or the Trustee guarantees any particular product feature, return, rate of return, performance of any investment or the repayment of capital from any investment. Investments are subject to investment and other risks. These risks could involve delays in repayment and loss or diminution of income or capital invested.

Neither the Promoter or the Trustee accepts any liability in respect of, nor guarantees the performance of or payment of any claim or benefit in respect of, insurance or financial products that are arranged by it as an agent for a third party supplier or are underwritten by a third party.

Your responsibilities for using our online channels

You are responsible for ensuring that your use of our online channels is lawful, does not infringe any third party’s rights and does not breach any standards, content requirements or codes promulgated by any relevant authority (including relevant internet industry codes of practice).


We are committed to maintaining the privacy of any personal data we hold about you, and do so in accordance with the Australian Privacy Principles and the Privacy Act 1988. Please read our Privacy Policy to understand how your personal information will be treated when you use our online channels.


We have attempted and will attempt to ensure that material and information on the GuildSuper's online channels is true and correct. However, we do not warrant the accuracy, adequacy or completeness of material and information on the GuildSuper online channels. All material and information is subject to change without notice. We do not guarantee that the GuildSuper website or online channels nor any third party website accessed via the GuildSuper website is free from viruses or that access will be uninterrupted. All terms implied by law, except those that cannot be lawfully excluded, are excluded.


Our online channels provide links to other websites operated by third parties. GSS does not control or endorse, and is not responsible for, the content of these linked third-party websites, and provides hyperlinks to other websites for your convenience and information only. Any information, opinions, representations or offers made in those linked third-party websites are solely the responsibility of the third parties operating those websites and are not made by GSS, which makes no representation or warranty as to accuracy or reliability of the information in those websites.

Third party information and materials

Our online channels may provide information, articles and material that are written and prepared by people who are not employees or representatives of GSS. Such material is provided for your convenience and information only. The material will be clearly identified as the product of a third party. GSS is not responsible for the contents or accuracy of this material, and the opinions expressed in the material should not be taken as recommendations or opinions of GSS.

Third party offers

The GuildSuper online channels may contain links to other websites or references to other offers or promotions by third parties. Unless otherwise stated to the contrary, we do not sponsor, endorse or approve of the operators of these other websites or the material, information, advice, service or products, offers or promotions found on them. Subject to any applicable law which cannot be excluded, we do not make any warranties or representations:

  1. Regarding the quality, accuracy, merchantability or fitness for purpose of the materials, information, goods or services available from those websites or third persons; or

  2. That the information, advice, services or products, offers or promotions do not infringe the intellectual property rights of any person. The Promoter does not authorise the reproduction of such materials, information, goods or services by linking to another website (either in whole or in part).

Obtaining materials, information, goods and services from those third parties and their websites is entirely at your own risk.

You indemnify the Promoter against all loss, damage, liability, claims and expense (whether direct or indirect, consequential, financial or non-financial) arising from or relating to your obtaining information, goods or services from a third-party referred to or accessed via the GuildSuper online channels.

Amendment of Terms and Conditions

The Terms and Conditions can be modified at any time by the Promoter. By using the GuildSuper website or viewing the GuildSuper online channels you agree to be subject to the GuildSuper Terms and Conditions, as modified.

Linking to GuildSuper website

Use of the materials and information on the GuildSuper online channels without the knowledge and consent of the Promoter is totally prohibited, as is linking (in whole or in part) the GuildSuper website or online channels to any other website. Please contact us if you would like to link to any part of the GuildSuper website or online channels.

Issuer and promoter details

Interests in the Guild Retirement Fund are issued by Equity Trustees Superannuation Limited (ABN 50 055 641 757, RSE Licence L0001458, AFSL 229757) as trustee of the Guild Retirement Fund(ABN 22 599 554 834). The Guild Retirement Fund is administered by IRESS Limited (ABN 47 060 313 359). Insurance cover is provided to eligible members by MetLife Insurance Limited (ABN 75 004 274 882).  

The Promoter of the Fund is Guild Super Services Pty Ltd (ABN 79 672 642 394), AFS Representative Number 001306706 (the Promoter), which is a Corporate Authorised Representative of smartMonday Solutions Limited (ABN 48 002 288 646), AFSL 236667 and a member of the Future Super Group. The trustee does not in any way endorse, warrant, or accept responsibility for any services provided by the Promoter in its own right or directly to members or prospective members.

Legal effect of documentation

The offer to invest in the Guild Retirement Fund is contained in the Product Disclosure Statement (PDS) for this Fund. To invest in the Fund, you will need to read the PDS and complete the relevant join form.

This website does not take the place of the legal document known as the Trust Deed which governs the operation of the Fund. The Trust Deed is binding on the Trustee, the Promoter and the members of the Fund. If any dispute arises concerning benefits or any other aspect of the Fund, the Trust Deed (and the law) will always be the final authority.

About returns performance

Return of capital and the performance of your investment in the Fund is not guaranteed. Past performance is not a reliable indicator of future performance. Figures showing a period of less than one year have not been adjusted to show an annual total return. Figures for periods of greater than one year are on a per annum compound basis.

Calculating returns for superannuation

Net investment returns are calculated using prescribed standard methods and assumptions, and take into account administration and investment fees, taxes and other costs. The standard calculations are based on a member with an account balance of $50,000, which will not be relevant to all members. The standard calculations do not allow for the effect of contributions to your account, insurance fees or various other matters.


Each investment option in the Fund is unitised. The unit price for each option is generally calculated every business day (this may vary depending on the circumstances) and takes into account any change in the value of the assets held by the investment options, as well as applicable fees and taxes. Every member of the Fund will have the same unit price for the relevant option applied to their investments. As the unit price fluctuates, so too will your account balance, as your balance is calculated as the number of units you hold, multiplied by the unit price on any particular day. For all benefit payments (including rollovers and withdrawals) and contributions, the unit price from the date when the contribution or benefit payment request was received will usually be used (provided that all relevant supporting information has also been received).The Trustee may, where required by law or as it considers necessary or appropriate, suspend or defer unit pricing or the allocation and redemption of units, for example, if investments become illiquid.

Applications to invest

Applications to invest in the Fund can only be accepted if you live in Australia and must be made in Australian Dollars.

Page last updated 6 March 2024

Page last updated 4 April 2024