Member Online Terms and Conditions

Thank you for visiting our online portal, an internet-based superannuation registration and administration facility that we call "Member Portal". It is provided by NGS Super Pty Ltd (ABN 46 003 491 487, RSE L0000567, AFSL 233 154) (“Trustee”) as trustee for NGS Super (ABN 73 549 180 515, USI 73549180515701) ("NGS Super" or the "Fund"). Interests in the Fund are offered by NGS Financial Planning Pty Ltd, (ABN 89 134 620 518, AFSL 233 154) ("NGS Super") and issued by the Trustee of the Fund. See our Financial Services Guide, Product Disclosure Statement ("PDS") and Target Market Determination ("TMD") for information about the financial services and products offered by the Trustee and NGS Financial Planning Pty Ltd, (ABN 89 134 620 518, AFSL 233 154) (“NGS FP”).

The terms "our", "we", "us" are to be read as a reference to the Trustee.

Please read these terms and conditions (“Terms”) carefully. By accessing and/or using Member Portal, you acknowledge having read, understood and agree to be bound by, these Terms.

For information about our privacy handling practices, see our privacy policy (available at www.ngssuper.com.au/about-us/fund-information/privacy-statement) ("Privacy Policy").

We may change these Terms from time to time. If we believe that any changes will be materially detrimental to you, we will include a notice on the Member Portal at least thirty days before the effective date of the changes. We recommend that you periodically review these Terms to ensure that you are aware of any changes and that you have read and understood the latest version. We last revised these Terms on 1 October 2026.

No investment advice

The Member Portal is not designed for the purpose of providing personal financial or investment advice. The information in the Member Portal does not take into account your objectives, financial situation or needs. Therefore, before acting on any information found on or through the Member Portal you should consider whether it is appropriate for your personal circumstances, objectives, financial situation and needs. It is prudent to consult a financial planner before making an investment decision. Before making any investment decisions, you should read and consider the PDS and the TMD for any products you are considering, and any other materials applicable to your membership in NGS Super. A copy of the relevant PDS and TMD for your membership in NGS Super is available on the Product information page or contact 1300 133 177.

Please note that investments can go up and down. Past performance is not a reliable indicator of future performance.

Registration

You must be a registered member to use Member Portal. We reserve the right to deny access to or refuse registration on Member Portal where we have concerns regarding the security or integrity of the Member Portal or your account, there are grounds for suspected or actual fraudulent or unlawful activity, we believe information provided in relation to your registration or account is inaccurate, incomplete or misleading, or we otherwise believe there are reasonable grounds to do so. You can contact us via the details on the ‘Contact Us’ page on our website ("Contact Details") if you believe any such denial or refusal is an error on our part.

When you register and activate your account, you will provide us with personal information including your name and email address. You must ensure that this information is accurate and current, and promptly advise us of any updates to this information through the Member Portal (where such functionality exists) or by contacting us using the Contact Details.

Once you have registered and activated your account, you will login using an email address and password (together, "Login Details") and multi-factor authentication. You must ensure that any password you select for the Member Portal is unique to the Member Portal, not easily guessed (including by not being based on readily known information about you such as your birthday or address), and otherwise complies with our password complexity requirements. You are responsible for keeping your Login Details and any multi-factor authentication responses secure, and must not disclose them to any other person. Except where improper use of your Login Details or multi-factor authentication responses is due to our default, you are responsible for and we may assume that you have undertaken all use and activity of the Member Portal, including any action or request initiated within the Member Portal and any resulting transactions, carried out with your Login Details. You must inform us without delay if you become aware or suspect that your Login Details or device used for multi-factor authentication may have been lost, stolen or otherwise compromised. Upon request by us, you must promptly change your password. You may only access and use Member Portal while your Login Details remain current. Should you forget or lose your Login Details, you should go through the 'update password' process which will require you to change your password.

Privacy Collection Notice

We may collect the following types of personal information:

• name, date of birth and gender;
• contact details, including address, telephone number and email address;
• your marital status and details about your family and living arrangements;
• Tax File Number (TFN);
• health information, that relates to insurance product underwriting (in the case of NGS Super) or an application for an insurance product (in the case of NGS Financial Planning);
• beneficiary information;
• employment details;
• information about your participation in the Fund, including transactions and account balance;
• where we provide financial planning services to you, your assets, income and liabilities; and
• any additional information you provide to us, including information provided through the Member Portal.

We may collect your personal information directly from you or from third parties such as:

• your employer or NGS financial planning adviser;
• through your insurer or a previous super fund; or
• from another representative authorised by you.

We may be required or authorised by law to collect some of your personal information. Relevant laws include the Australian Securities and Investments Commission Act 2001, Corporations Act 2001, Family Law Act 1975 and other applicable laws relating to superannuation, taxation and anti-money laundering/counter-terrorism financing. If we are unable to collect all the personal information we have asked for, we may not be able to provide NGS services (including the Member Portal) to you or take action on a particular request you have made. You are not required by law to give us certain personal information such as your TFN, however we may have to withhold a higher level of tax from any payments paid by the Fund.

We collect, use and share your personal information to provide you with NGS services (including the Member Portal), administer membership accounts and otherwise provide our services to you, provide related services such as direct marketing, and as otherwise required or permitted by law.

We may disclose your personal information to third parties, including GROW Super Ops Pty Ltd (ABN 83 617 346 568) (“GROW”), and its associated companies that need the information to provide you with a service, insurers, who provide certain services to our members or customers, your financial advisers, our legal and professional advisers, in the case of NGS Super only, your employer, social media platforms and other providers who provide targeted advertising services, other superannuation and pension fund trustees or administrators (if you transfer to or from them), other service providers that provide relevant services or products and any relevant government or regulatory authorities, courts or tribunals.

Your personal information may be disclosed to service providers in another country, including New Zealand, the United States, India, the United Kingdom and other countries in the European Economic Area (EEA). We impose confidentiality and privacy restrictions on such recipients.

Our Privacy Statement sets out in more detail:

• how we deal with your personal information;
• how to access and seek correction of the information we hold about you;
• how to opt-out of receiving direct marketing communications from us; and
• how you may lodge a complaint if we breach an Australian Privacy Principle and how we will handle any complaint.

You can view our Privacy Statement at www.ngssuper.com.au/about-us/fund-information/privacy-statement or obtain a copy by contacting us on 1300 133 177.

If you have any other queries in relation to privacy issues you may contact us on 1300 133 177. You may also write to the NGS Super Privacy Officer at:

or online at ngssuper.com.au/contactus.

Accuracy, completeness and timeliness of information

The information contained in Member Portal is based on the most up to date data received by GROW. Transactions such as contributions and rollovers may take a few days to process and will appear in the Member Portal once they are processed.

While we use all reasonable efforts to ensure the accuracy and completeness of the information on the Member Portal, errors may occur. As a result, you should contact us using the Contact Details and obtain written confirmation before making any decisions on the basis of information presented in the Member Portal.

We are not liable to you or anyone else if interference with or damage to your computer systems occurs in connection with the use of the Member Portal or a linked website, except to the extent that the loss or damage is caused by fraud, negligence or willful misconduct by the Trustee or GROW. You must take your own precautions to ensure that whatever you access from Member Portal for your use is protected from and free of viruses or anything else (such as worms or Trojan horses) that may interfere with or damage the operations of your computer systems.

Other terms

1. Unless you are either:
   1. a person who has been authorised by the Trustee to be able to view the superannuation account details of other members of the Fund via the Member Portal ("Trustee Service User"); or
   2. a person who has been authorised by GROW to be able to view the superannuation account details of members of the Fund via the Member Portal ("Authorised GROW Employee"),
   you will not attempt to access any superannuation account details that do not relate to you personally and will contact us using the Contact Details immediately if you become aware of any such unauthorised access or attempted access.
2. You may notify us using the Contact Details if you want your access to Member Portal suspended or cancelled at any time.
3. Access to Member Portal may be temporarily unavailable during scheduled maintenance windows, which will be notified on our website ahead of time. The Member Portal may also be unavailable from time to time, including for reasons beyond our control. Accordingly, you should allow extra time when you need to take time-sensitive actions using the Member Portal.
4. In accessing or using the Member Portal, you must not seek to circumvent any of our security measures, breach any laws, act in a manner that is fraudulent, deceptive or dishonest, or engage in conduct that adversely affects our provision or any other person’s use of the Member Portal.
5. We may vary, suspend or cancel your access to Member Portal if you breach these Terms. We will notify you in writing of any decision to vary, suspend or terminate your access, and you will have an opportunity to respond before any final decision is made (although we may suspend your access as a temporary measure while investigating the matter giving rise to the breach).
6. Certain information available on Member Portal belongs to parties other than us. We do not claim authorship of such information and duly acknowledge the copyright of other persons where applicable.
7. The Member Portal may contain information and materials that are subject to additional warnings, disclaimers, qualifications, and terms. These apply in addition to these Terms.
8. By activating any hyperlinks on the Member Portal, you may leave the Member Portal and go to other websites that are not under our control. We do not accept any responsibility or liability in respect of material contained in other websites and do not by including the hypertext link endorse the site or the information available at such a site. Those links are provided for convenience only. You enter those sites at your own risk as the content or accuracy of the information has not been reviewed or checked by the Trustee. The terms and conditions that apply to those websites may be different to the Terms set out here and those terms and conditions will govern the use of information you access or obtain from those websites.
9. The Member Portal is intended for use by persons accessing it from within Australia. All currency references are shown in Australian dollars unless otherwise specified. The use of the Member Portal is governed by and is to be interpreted in accordance with the laws of New South Wales, Australia.
10. We use reasonable efforts to maintain the Member Portal and all associated data with technical, administrative and physical safeguards to protect against loss, unauthorised access, destruction, misuse, modification and improper disclosure. The information you enter or access on Member Portal is stored by GROW on its data servers, however you acknowledge no computer system or information can ever be fully protected against every possible hazard. Without limiting the foregoing, we are not responsible for any loss, corruption or interception of data that occurs outside of our computer systems (such as when data is being sent over the internet).
11. Except to the extent required by law, we make no representations or warranties, express or implied that Member Portal is fault free or as to the continuity, accessibility, reliability or efficiency of Member Portal.
12. The Trustee is not liable for any indirect, incidental, consequential or special damages (even if advised of the possibility of such damages), on any basis including negligence.
13. The Trustee will not be liable for any loss caused by your breach these Terms.
14. We will not be liable for any failure or delay in performing our obligations under these Terms, to the extent such failure or delay is beyond their reasonable control.
15. If any provision of these Terms is unlawful, void or unenforceable for any reason, then if the provision would not be illegal or unenforceable if a word or words were omitted, that word or those words are severed or in any other case the provision is severed and the rest of these Terms will continue to be legal and enforceable.
16. Except where otherwise stated, the copyright and intellectual property rights relating to the content of Member Portal belong to and remain our property. The granting of access to Member Portal does not create or imply a licence or permit for you to reproduce, download, transmit, sell and/or distribute this content in any form or by any means other than for your own personal use as a member of the Fund, unless authorised by the written consent of the Trustee.
17. The performance of the investments contained on or referred to on Member Portal is not guaranteed by the Trustee or the relevant plan managers. The investments are subject to the rise and fall of the market. Past performance is not indicative of future performance.
18. For the purposes of this clause, "Messages" means all mail items of any description transmitted by electronic means via Member Portal. You acknowledge that you may submit Messages and that you are responsible for confirming receipt of the Message. If you do not receive confirmation of receipt or response from the Trustee or GROW regarding your Message you should assume that the Message was not received and you should re-send the Message or follow up the Message by other means.
19. All dates and times provided on Member Portal are listed in Sydney (New South Wales) time unless otherwise stated.
20. The Trustee enters into these Terms and provides access to and use of the Member Portal only in its capacity as trustee of the relevant trust and not in its personal capacity. The Trustee's liability under or in connection with these terms or their subject matter (on any basis, including negligence) is limited to the extent to which such liability can be satisfied out of the Trustee’s indemnity over the assets of the Fund, and the Trustee will not be personally liable in respect of such matters. The restrictions in the previous sentence do not apply to the extent that the Trustee is prevented from exercising its right of indemnity out of the assets of the Fund as a result of the operation of law.