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By accessing or viewing our online channels (including this website), you agree to the following terms and conditions.
The website www.smartmonday.com.au (‘this website’) is owned and operated by smartMonday, a registered trading name of smartMonday Solutions Limited ABN 48 002 288 646 AFSL 236667, the sponsor of the Smart Future Trust ABN 68 964 712 340 (the Fund). The trustee of the Fund is Equity Trustees Superannuation Limited ABN 50 055 641 757 AFSL 229757 RSE Licence L0001458. smartMonday products are part of the Fund. The information on our online channels is issued by smartMonday.
By accessing this website or by viewing our online channels, you agree to the following terms and conditions.
The information in this document is general in nature and does not take account of your personal financial objectives, situation or needs. Before deciding whether a particular product is appropriate for you, please read and consider the relevant Product Disclosure Statement, Target Market Determination and Financial Services Guide [PDF] available at smartmonday.com.au or by calling us, or speak with a financial adviser. Contact us about the intra-fund advice services you may be able to access through your membership. Past performance is not a reliable indicator of future performance. smartMonday and the trustee take no responsibility for you acting on the information provided. Any decision that you make is at your own risk.
The information contained within our online channels is believed to be accurate at the time of compilation and is provided by smartMonday in good faith. However, the use of our online channels is at your sole risk.
smartMonday 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.
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).
smartMonday is committed to maintaining the privacy of any personal data it holds about you and does so in accordance with the Australian Privacy Principles and the Privacy Act 1998. Please read our Privacy Policy to understand how your personal information will be treated when you use our online channels.
Our online channels provide links to other websites operated by third parties. smartMonday 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 smartMonday, which makes no representation or warranty as to accuracy or reliability of the information in those websites.
Our online channels may provide information, articles and material that are written and prepared by people who are not employees or representatives of smartMonday. Such material is provided for your convenience and information only. The material will be clearly identified as the product of a third party. smartMonday 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 smartMonday.
Interests in the Smart Future Trust are issued by Equity Trustees Superannuation Limited (ABN 50 055 641 757, RSE Licence L0001458, AFSL 229757) as trustee of the Smart Future Trust (ABN 68 964 712 340). The Smart Future Trust is administered by Apex Superannuation (Australia) Pty Ltd (ABN 28 081 966 243; AFSL 238507) and Mercer Outsourcing (Australia) Pty Ltd (ABN 83 068 908 912, AFSL 238774). Insurance cover is provided through a group insurance policy by AIA Australia Limited (ABN 79 004 837 861, AFSL 230043).
Smart Future Trust is owned by Future Group Australia Holdings Pty Ltd (ABN 68 618 367 927). Future Group Australia Holdings Pty Ltd is the parent company of Future Super Investment Services Pty Ltd (FSIS) (ABN 55 621 040 702) which is the Promoter and Investment Manager of the Smart Future Trust. 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.
The offer to invest in Smart Future Trust is contained in the Product Disclosure Statement for this Fund. Anyone wishing to invest in the Fund 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.
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 greater than one year are on a per annum compound basis.
Net investment returns are calculated using prescribed standard methods and assumptions, and are net of investment fees and transaction costs and an allowance for tax on investment income. The returns are based on unit prices.
Each investment option in the Fund is unitised. The unit price for each option is calculated every business day 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 be used (provided that all relevant supporting information has also been received).
Applications to invest in the Fund can only be accepted if you live in Australia and must be made in Australian dollars.
