Terms and Conditions


Access to and use of the Retirement Essentials Website (the Website) and the services available through the Website are subject to the following terms and conditions and other terms and conditions imposed in respect of any particular application, service, or membership level we make available from time to time. These terms and conditions create a legal and binding contract between you and us.


‘our’, ‘us’ and ‘we’ refers to Retirement Essentials Pty Ltd ABN 35 615 383 232 (Retirement Essentials) of 100 Walker Street, North Sydney NSW 2060, Australia.

Retirement Essentials is a Corporate Authorised Representative (no 1260855) of SuperEd Pty Ltd ABN 88 118 480 907, AFSL 468859 (SuperEd) and is authorised to provide financial advice on behalf of SuperEd.

The words ‘you’, ‘your’ and ‘your partner’ refer to users of the Website and the services and applications offered through the Website.

Your Responsibilities

You are responsible for the completeness and accuracy of any information provided to us.

We may ask you for certain information (including where relevant your partners) to assist you to complete application forms.  For example,  if you require our assistance with applying for Age Pension, Senior’s Health Care Card entitlement or subscribe to our Centrelink Protection Service. You (and where relevant your partner) are responsible for the accuracy and completeness of any information provided to us for such applications.  You (and where relevant your partner) are responsible for providing information within the timeframes required to meet Centrelink rules and requirements defined in the Social Security Act 1991 and the Social Security (Administration) Act 1999.

Where you use our Keeping the Age Pension Annual Service, in order to ensure we meet the Centrelink deadline of 14 days, you must keep us informed within 10 days.

We are not responsible, and we do not accept any liability for:

  • The accuracy of any information provided by you and or added to the Website by you or any third party, such as your superannuation fund;
  • Any situation where non disclosure of late advice causes Centrelink to over or under pay your benefits and the resulting consequences; and
  • Where you deliberately withhold information and Centrelink takes legal action against you.

Correspondence Nominee for Centrelink applications

When Retirement Essentials acts as your Correspondence Nominee we may assist you in communicating with Centrelink to get and keep the Age Pension or Commonwealth Seniors Health Card. 

As your Correspondence Nominee we can:

  • Help explain what Centrelink communications mean
  • Respond to Centrelink’s questions and requests on your behalf
  • Ask questions of Centrelink for you
  • Upon your request and with the information you provide us, update Centrelink if your situation changes
  • Remind you of your obligations to keep Centrelink informed in a timely manner

As your Correspondence Nominee we can NOT:

  • Change what bank account your Age Pension is paid into
  • Access any of your bank accounts, assets or investments
  • Talk to the Financial Information Services (FIS) Officers on your behalf

Acting as your Correspondence Nominee does not involve us taking on any of your own personal legal responsibility to fully disclose as required by them and check the accuracy of the information disclosed and notified to Centrelink  We will not be responsible for and therefore not liable for notifying Centrelink of any your personal information or updates, or the checking the accuracy of the information and any subsequent Centrelink payment whether that be an under or over payment, or recovery of overpayment made by Centrelink as a result of any omissions of information, errors or delays in notification. 

Centrelink Eligibility

Our services aim to provide you the information, tools, calculators, documentation and assistance with Centrelink to maximise and or keep your Centrelink eligibility. 

  • Any representations made in the provision of our services are general in nature and do not constitute personal financial, credit and or legal advice.  
  • Only Centrelink can calculate your actual social security benefit and entitlements.  
  • We do not offer, promote and or provide any guarantee of Centrelink providing any benefit outside of your legal eligibility.

General Warning

  • Information provided on this website and via our services may be general advice, which does not consider your personal needs or circumstances. 
  • You should consider carefully your own needs before you act on any advice contained in this website or via our services.
  • You should not act and should refrain from acting solely on the basis of the material contained on this Website or information provided via our services.


The material on the Website is published by us and is intended for use in Australia only, and is not intended for use outside Australia. We make no claim that the information contained on the Website or the services we provide is appropriate for persons who do not reside in Australia, nor that it may be downloaded legally outside Australia. If you access the Website or the services we provide from outside Australia, you do so at your own risk. All services including any advice provided through the Website is based on relevant Australian regulations.


Your privacy and security is important to us. Refer to our Privacy Policy for information about how we handle personal information we hold about you.

In addition to the information you provide us, we also use technology to collect anonymous information about the use of the Website, for example when you browse the Website our service provider logs your server address, the date and time of your visit, the pages and links accessed and the type of browser used. It does not identify you personally and we only use this information for statistical purposes and to improve the content and functionality of the Website, to better understand our customers and the market in which we operate in order to ensure our services continue to meet customer needs and expectations.

In order to collect this anonymous data we may use “cookies”. Cookies are small pieces of information which are sent to your browser and stored on your computer’s hard drive. Sometimes they identify users where the Website requires information to be retained from one page to the next. This is purely to increase the functionality of the Website. Cookies by themselves cannot be used to discover the identity of the user. Cookies do not damage your computer and you can set your browser to notify you when you receive a cookie so that you can decide if you want to accept it. They allow the Website to recognise your computer when you return in the future.

Access to the Website

To access our membership services offered through the Website you must register for an account on our Website. The Website is a business and commercial Website intended to provide people in or approaching retirement with assistance with applying for the relevant Centrelink entitlements, financial advice, access to budgeting tools and other applications or services offered from time to time in relation to retirement. It is not intended for persons under the age of 18. In accessing the Website you confirm that you are aged 18 or older.

Promotions and Benefits

From time to time, we may offer certain promotions and benefits to users of the Website for particular services. We will notify you if the promotion and benefit relates to the services you can access through the Website or by email. These promotions and benefits are subject to terms and conditions which govern your participation or use of the promotion or benefit. We will provide you with the terms and conditions of the promotion or benefit when it is offered to you.


Use of the Website and services is limited to using the applications that we make available from time to time on the Website in accordance with these terms and conditions or any additional terms and conditions applicable to specific services.

We may provide facilities on this Website to provide you with assistance with applying for a relevant Centrelink entitlement, financial advice, access to budgeting tools and other services or applications we may offer from time to time.

We may also in some cases provide you with personal financial advice through the Website. This will be based on your investment objectives, financial situation or specific needs as detailed to us by you. Where we provide personal advice, we will do so by means of a generated document titled a Statement of Advice (SoA).  The SoA is an important document that you should carefully read and understand the basis and its limitations and warnings before signing and or agreeing to acquire a financial product.  

Any other information contained on this website is general in nature and is not intended to make or imply any personal advice recommendations.

You agree that in using the Website you will not, either directly, or indirectly through another party, use any robot, spider, screen scraper, data aggregation tool or other device or process to process, monitor, copy or extract any web pages on the Website, or any of the information, content or data contained within or accessible through the Website, without our prior written permission. Further you agree not to use any process to aggregate or combine information, content or data contained within or accessible through the Website with information, content or data accessible via or sourced from any third party.

In addition you agree not to use any information on or accessed through the Website for any commercial purpose or otherwise (either directly or indirectly) for profit or gain. You also agree not to reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with the Website, or copy, reproduce, alter, modify, create, derivative works, or publicly display, any part of any content from the Website without our prior written permission.

Trademark and Copyright

All trade names, brand names, trade symbols, logos, slogans, trademarks or services marks are trademarks or proprietary interests of Retirement Essentials. There are other trade names, brand names, trade symbols, logos, slogans, trademarks, service marks, brand names, company names, logos, slogans, trademarks or service marks indicated on the Website that are the property of their respective owners.


While reasonable steps have been undertaken to ensure that the information, materials and services contained on the Website are free from error, to the extent permitted by law, we do not warrant the accuracy, adequacy or completeness of content. Information on the Website may change without notice to you, unless we are required by law to provide you with notice of any changes. All terms implied by law, except those that cannot be excluded by law, shall be excluded.


To the maximum extent permitted by law, we disclaim liability for any damages, including, without limitation, direct or indirect, special, incidental, compensatory, exemplary or consequential damages, losses or expenses, including without limitation lost or misdirected orders, lost profits, lost goodwill, or lost or stolen programs or other data, however caused and under any theory of liability arising out of or in connection with:

  • any failure or performance, error, omission, interruption, defect, delay in operation or transmission;
  • line or system failure or the introduction of a computer virus, or other technical sabotage;
  • use of the Website, or the inability to use the Website; or
  • any content on the website, including content published by us,

except to the extent the liability arises as a result of our negligent or wrongful acts or omissions.


You indemnify us (and any of our related bodies corporate) in respect of any liability incurred by us (or any of our related bodies corporate) for any loss, cost, damage, expense, howsoever caused, and under any theory of liability, including tort, statute, equity or contract, that we suffer as a result of your breach of any term, condition or warranty in these terms and conditions or any other terms and conditions you agree to prior to using any application we make available on the Website except to the extent the loss, cost, damage or expense was caused by our negligent or wrongful acts or omissions.


Our Website may contain a number of links to other internet sites which are operated by third parties. The provision of the link does not mean that we endorse or accept any responsibility for the content, use, or products and services made available through the associated web sites. By utilising these links, you acknowledge and agree that we are not responsible for the actions, content, accuracy, privacy policies, opinions expressed, services provided, goods sold, or other links provided by these sites. You further acknowledge and agree that we are not responsible either directly or indirectly for any damage or loss caused by use of or reliance on linked sites. Should you have any questions regarding these sites, you should address them directly with the relevant site administrator. Where our website may provide links to other sites for you to access, you should be aware that these other sites are not subject to this Privacy Policy or our privacy standards and our procedures. You will need to contact them directly to ascertain their privacy standards. 


These terms and conditions, and your account for the use of the Website, may be terminated by you or by us without notice to the other. If you terminate these terms and conditions, our agreement to provide you with access to this Website and use the services or applications we make available ends immediately.


This agreement is governed by the law in force in the state of New South Wales, Australia. Any dispute arising in connection with these terms and conditions or in connection with your use of this Website which cannot be resolved by good faith negotiations between us shall be referred to mediation or to arbitration. However, we reserve, at our absolute discretion, our right to instigate legal proceeding prior to negotiation, arbitration or mediation against any individual, organisation or entity, who in our opinion has acted in breach of these terms and conditions.

Changes to Terms and Conditions

We reserve the right to modify, update or otherwise alter these terms of use. Please return periodically to review our terms of use.

Need help?

If you need help or have any queries about these Terms and Conditions, please contact us by emailing us at hello@retirementessentials.com.au.

The Terms and Conditions was updated on Dec  2020, version 1.6.