This website (‘This Site’) is provided by Optimum Pensions Pty Ltd (ABN 53 616 462) (‘Optimum Pensions’). The Terms and Conditions (‘Terms’) shown apply to users of This Site. By using This Site, you accept and agree to these Terms. Optimum Pensions reserves the right to change these Terms at any time. Please check these Terms at regular intervals for any changes. Your continued use of This Site following any change to these Terms will be deemed acceptance of those changes


Optimum Pensions updates This Site from time to time, however Optimum Pensions makes no representation as to the accuracy, currency or completeness of any information or services at This Site. All information and services are provided on the basis that you undertake the responsibility for assessing their accuracy and that you rely on them entirely at your own risk.

All information and services at This Site are provided on an ‘as is’ basis.

This material on This Site is intended to provide information and not advice. It should not be relied upon as advice or take the place of professional advice. This Site contains generic content and has been prepared without taking into account an individual’s personal objectives, financial situation or needs.

To the fullest extent permitted by the applicable law, Optimum Pensions excludes all terms, conditions and representations, express or implied. Any liability of Optimum Pensions under these terms and conditions, under any other provisions that by law cannot be excluded or that are not otherwise excluded under this clause is, where permitted by law, limited at the option of Optimum Pensions to the resupply of the relevant information or services. In no event will Optimum Pensions be liable for any consequential or indirect loss, and in any event any loss of profits or data, incurred by you in relation to use of This Site.


This Site

Optimum Pensions privacy obligations concern the collection, use, disclosure and storage of personal information. In dealing with personal information, Optimum Pensions is subject to the Privacy Act 1988 (Cth) (Privacy Act), the Australian Privacy Principles and any applicable State or Territory privacy laws.

Links to other sites

This Site has links to other related websites. When you transfer to another site, Optimum Pensions cannot take responsibility for the protection of your privacy. You are subject to the terms and conditions of the new site, and should familiarise yourself with the privacy policy of that site.


Once Optimum Pensions receives information from you by e-mail or any other means, it is in a secure environment. You should however, be aware of the inherent risk associated with the transfer of information via the Internet.

Use Of This Site

This Site is provided for your personal, non-commercial use only. You must not use This Site for any commercial purposes.

Restriction On Use

You must not distribute through This Site any inappropriate communication in any form. Inappropriate communications include obscene, harassing, pornographic, abusive, slanderous, racist, defamatory, vulgar, threatening or offensive material.

By emailing any materials to Optimum Pensions, you grant Optimum Pensions a non-exclusive, royalty free, perpetual licence to use, modify, reproduce, distribute or otherwise deal with those materials in any manner which Optimum Pensions deems appropriate. In addition, you agree to waive all ‘moral rights’ (as defined in the Copyright Act) in those materials.

You must not collect email addresses listed on This Site for any purposes connected with the production of marketing or email databases.

You must not transmit or attempt to transmit any data, code or other material of any kind to This Site that contains a virus or other harmful component.

Ownership Of Materials On This Site

Unless otherwise indicated, Optimum Pensions owns, or is licensed to use, all intellectual property (including without limitation copyright, trade mark and designs) subsisting in the materials on This Site. Optimum Pensions authorises you to reproduce and download the materials exclusively for non-commercial personal use in the intended manner. You may not copy, reuse, reproduce, republish, frame, post, upload, distribute, transmit, adapt, broadcast, or modify in anyway all or any part of the material contained on This Site without Optimum Pensions’ prior written permission unless expressly permitted by law.

All names, logos and trademarks use on This Site are the property of their respective owners. Nothing on the Site should be interpreted as granting any rights to use or distribute any names, logos or trademarks, without the express written agreement of Optimum Pensions or the relevant owners. Nothing displayed on This Site should be construed as granting any licence or rights to use any name, logo or trademark without the express written permission of Optimum Pensions or the relevant owners.

Access To This Site

Optimum Pensions does not warrant that access to This Site will be uninterrupted, or that the services offered on This Site will be error-free. Optimum Pensions reserves the right at any time to change or discontinue any feature on This Site, hours of availability and equipment or software required for access.

Financial Calculators

This Site contains details and descriptions of a number of financial calculators and calculations. The information provided is intended to describe the calculators and calculations concerned and the descriptions and any graphs or diagrams accompanying the material should not be used for the purpose of making any financial decision. They are for illustration only.


These Terms will be construed according to and are governed by the laws of Victoria, Australia. You submit to the exclusive jurisdiction of the courts in and of Victoria in relation to any dispute arising under these Terms.