• General terms and conditions for all users
  • The btsuperforlife.com.au website ("this website") is owned by BT Financial Group Pty Limited ABN 38 087 480 331. It is operated by BT Financial Group Pty Limited and other companies in the Westpac Group of companies. To the extent that general advice is provided on this website:
    • in no circumstances is it provided by BT Financial Group Pty Limited;
    • it is provided by BT Funds Management Limited (ABN: 63 002 916 458), based on the circumstances and context in which the advice is given on this website.
  • Your access to this website is subject to these terms and conditions, the BT Financial Group Privacy Policy notices, disclaimers and other terms and conditions or other statements contained on this website (referred to collectively as "Terms of Use"). By accessing, viewing or otherwise using this website, you agree to be subject to these Terms of Use.
  • We may, at our sole discretion, vary or modify these Terms of Use without notice. Any subsequent access to, or use of, the website by you will constitute an acceptance of those modifications.
  • You agree that where BT Financial Group Limited or any other company in the Westpac Group of companies is required, by law or otherwise, to provide you with a document, you consent to the provision of that document electronically through the links on this website. We suggest that you print a copy of the document, or file it electronically, for future reference.
  • Before accessing this site, please download and read the Financial Services Guide for BT Funds Management Limited if you have not already done so.
    Australian investors only
  • The information on this website is provided to persons located in Australia only and is not being provided to any person who is located in any other country. References to currency are in Australian dollars.
    Disclosure document
  • BT Funds Management Limited currently offer the product named on this website. The offers are contained in the relevant product disclosure statement (PDS). Investors should consider the PDS, in deciding whether to acquire, or to continue to hold, the product.
    Important disclaimers
  • All information contained on this website is given in good faith and has been derived from sources believed to be accurate. However, the information is selective and neither BT Financial Group Pty Limited nor any other company in the Westpac Group of companies has verified the information, which may not be complete or accurate for your purposes. Those companies make no representation or warranty of any kind as to the accuracy or completeness of the information. It is general information only and should not be considered as a comprehensive statement on any matter and should not be relied upon as such.
  • Neither BT Financial Group Pty Limited nor any other company in the Westpac Group of companies nor any of their directors, employees and associates guarantees the security of this website, gives any warranty of reliability or accuracy nor accepts any responsibility arising in any other way including by reason of negligence for errors in, or omissions from, the information on this website and does not accept any liability for any loss or damage, however caused, as a result of any person relying on any information on the website or being unable to access this website. This disclaimer is subject to any applicable contrary provisions of the Australian Securities and Investments Commission Act (Cth) and the Trade Practices Act (Cth).
  • You agree to use and link to other websites at your own risk. Neither BT Financial Group Pty Limited nor any other company in the Westpac Group of companies will be liable for any loss or damage from any cause (including negligence) to your system or website caused by, or in connection with, the use of or a link to other websites. Any such loss or damage will be your responsibility.
  • Should you leave this site via a link contained within this website, and view content that is not provided by a company in the Westpac Group of companies, including content in relation to the issue or sale of a financial product:
    • you do so at your own risk. The content to which you link will not have been produced, checked for accuracy, or otherwise reviewed by a company in the Westpac Group of companies. No company in the Westpac Group of companies is responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such site, whether actual, alleged, consequential or otherwise. No company in the Westpac Group makes any guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party;
    • the issuer or seller of the financial product should be identified on the link;
    • a PDS should be available from the place and from the person identified on the link; and
    • you should consider the PDS for the relevant product in deciding whether to acquire, or to continue to hold, the product.
  • Investments in the funds and trusts referred to on this website do not represent deposits with, or other liabilities of, Westpac Banking Corporation [ABN 33 007 457 141] or any other company in the Westpac Group of companies, and are subject to investment risk, including possible delays in repayment or loss of income and capital invested. Save as expressed later in this paragraph, no member of the Westpac Group of companies stands behind the repayment of capital or guarantees the investment performance of the funds and trusts referred to on this website. Certain life insurance policies issued by BT Life Limited or Westpac Life Insurance Services Limited may contain guarantees of benefits by those companies. Any guarantees are subject to, and limited by, the express terms of the relevant policies.
  • In preparing the information contained on this website, we have not taken into account your objectives, financial situation or needs. Before investing on the basis of the information contained on this website, you should consider (with or without the assistance of an adviser) whether the information in this website is appropriate to you in light of your particular objectives, financial situation and needs. You should obtain a prospectus, PDS or other disclosure document relating to a product referred to on this website before making any decision about whether to acquire the product.
  • The information on this site is based on current laws and their interpretation, including taxation laws. The levels and basis of taxation may change. The application of many laws, including taxation laws, depends upon an investor's individual circumstances. You should, therefore, consider seeking professional advice on the legal and taxation implications of investing and should not rely on the information provided, which should be used as a guide only.
  • In contributing information contained on this site and in providing their respective products and services through this site, each of the following companies is acting as principal and does not act as a representative of any other company (whether or not listed below) in the Westpac Group of companies:
    • BT Financial Group Pty Limited; and
    • BT Funds Management Limited.
• Copyright
  • Copyright in the information contained on this website is owned by BT Financial Group Pty Limited. You may use this information for your own personal reference only. You may reproduce this information in hard copy solely for your personal use. The information may not otherwise be reproduced and must not be distributed or transmitted to any other person or incorporated in any way into another document or other material.

© BT Financial Group 2007