The website vervesuper.com.au (this website) is owned and operated Verve Superannuation Pty Ltd (ABN 65 628 675 169, AFS Representative No. 001268903), which is a Corporate Authorised Representative of True Oak Investments Ltd (ABN 81 002 558 956, AFSL 238184). Verve Super is issued by Equity Trustees Superannuation Limited (ABN 50 055 641 757, AFSL 229757, RSE Licence L0001458) as trustee of the Future Super Fund (ABN 45 960 194 277, RSE Registration No R1072914). Learn more about our Trustee, including their Privacy Statement, here. Verve Super is a division of the Fund.

By accessing or viewing our online channels (including this website), you agree to the following terms and conditions.

General information only

All information provided is general in nature only and does not take into consideration your objectives, financial situation or needs.

Our Financial Services Guide (FSG), the Product Disclosure Statement (including any incorporated information) and Target Market Determination for Verve Super should be considered before making a decision to acquire, hold, or continue to hold, an interest in Verve Super. You can view and download a copy of these documents from vervesuper.com.au (this website).

We recommend you consider getting in touch with a professional adviser if you’d like advice tailored to your own personal objectives, situation or needs.

Liability

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

Verve Superannuation Pty Ltd 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.

Your responsibilities in 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).

Copyright

© Copyright in these web pages and the Verve Super trademarks and logos are owned by Verve Superannuation Pty Ltd. You may print a copy of the information contained herein for your personal use but you may not use, reproduce or distribute the text, graphics or logos, or embed a link to this website, without obtaining our prior written permission.

Use of Photographs/Images

Unless otherwise indicated, the photographs and drawings of assets are not real assets connected to Verve Super.

Privacy

Verve Superannuation Pty Ltd 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. Our Privacy Policy outlines how your personal information will be treated when you use our online channels.

You can view and download a copy of this Policy from vervesuper.com.au (this website).

Links

Our online channels provide links to other websites operated by independent third parties. Verve Superannuation Pty Ltd 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 Verve Superannuation Pty Ltd, which makes no representation or warranty as to accuracy or reliability of the information in those websites.

If we provide a link to a third-party website, this does not mean that we endorse, authorise or sponsor the website, nor that we are affiliated with the third party website’s owners or sponsors.

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 Verve Superannuation Pty Ltd. Such material is provided for your convenience and information only. The material will be clearly identified as the product of an independent third party.

Verve Superannuation Pty Ltd 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 Verve Superannuation Pty Ltd.

Fund information

Interests in Verve Super are issued by Equity Trustees Superannuation Limited (ABN 50 055 641 757, AFSL 229757, RSE Licence L0001458) (“the Trustee”) as trustee of the Future Super Fund (ABN 45 960 194 277, RSE Registration No R1072914) (“the Fund”). Learn more about our Trustee, including their Privacy Statement, here. Verve Super is a division of the Fund.

The Fund is administered by OneVue Super Services Pty Limited (ABN 74 006 877 872, AFSL 246883).

Investment management is undertaken by Future Super Investment Services Pty Ltd (ABN 55 621 040 702; AFS Representative No. 001271441), which is a Corporate Authorised Representative of Future Promoter Holdings Pty Ltd (ABN 90 167 800 580; AFSL 482684).

Insurance cover is provided to eligible members by AIA Australia Limited (ABN 79 004 837 861, AFSL 230043).

The Founder of Verve Super is Verve Superannuation Pty Ltd (ABN 65 628 675 169, AFS Representative No. 001268903), which is a Corporate Authorised Representative of True Oak Investments Ltd (ABN 81 002 558 956, AFSL 238184).

Performance returns 

Return of capital and the performance of your investment in Verve Superannuation Pty Ltd 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.

Transacting

Each investment option in Verve Superannuation Pty Ltd 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 Verve Superannuation Pty Ltd 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).

Buy-sell spread

The buy-sell spread is an adjustment to the unit price to create a difference between the entry and exit price for the investment option. It is designed to cover the transaction costs when you make a contribution or a withdrawal so that these costs are not passed onto other investors. The buy-sell spread is built into the unit price and therefore does not appear on your member statements. The buy-sell spread is not paid to the manager of Verve Superannuation Pty Ltd. The buy-sell spread for each investment option is reviewed from time to time and may change. If the buy-sell spread is changed, it will be updated on this website.

Applications to invest

Applications to invest in Verve Superannuation Pty Ltd can only be accepted if you live in Australia and must be made in Australian Dollars.

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