Terms and Conditions

In effect from: 2023 - 11 - 02

SMSF Gateway Service licence agreement


Acceptance of terms

These Terms apply to the SMSF Gateway Services we provide to you. Before registering to use the Service, please carefully read these Terms.
By paying the Subscription Fee and using the Service, you agree to access and use the Service on these Terms. Please retain a copy of these Terms so you can refer to them later.
A 5-day cooling off period applies during which you can cancel your subscription. If you cancel your subscription within 5 days of payment, an automatic refund will be issued to you:
  1. to the card you used to pay your subscription; or
  2. in person, if you paid your subscription at our Post Offices. Full refunds can only be made at the Post Office where you made the payment and a proof of purchase (receipt) must be supplied.
We reserve the right to amend these Terms at any time. We will provide you with 14 days' notice of any such changes on the Website. We will also notify you when you access the Service via the Portal for the first time following a change. If you do not agree to a notified change of these Terms, you may terminate this Agreement by providing not less than 7 days' written notice to us.
References in these Terms to "we", "us" and "our" are references to Australian Postal Corporation ABN 28 864 970 579 whose registered office is at 111 Bourke Street, Melbourne, Victoria 3000.



The Service enables you to receive Superannuation Transaction Messages initiated via the Superannuation Transaction Network from a Gateway Operator that has subscribed to the Superannuation Data and Gateway Services Standards for Gateway Operators transacting with the Superannuation Transaction Network as amended from time to time (Standards).
In connection with your use of the Service, we may also send you service announcements or administrative messages as set out in Australia Post's Privacy Policy (www.auspost.com.au/privacy).
To receive Messages via the Service you agree that you must inform all relevant employers about your Subscription to the Service and any other information they require to ensure they are in a position to send you Messages via the Service. You acknowledge that delivery of the Service is conditional on you satisfying this subclause 2.3.
We may from time to time introduce other services that form part of, or complement, the Service. Such additional services may be made available to you with or without charge. We will provide you with at least 14 days' notice of the cost of additional services before providing any service that attracts an additional charge. If you do not agree to a notified cost of additional services, you may terminate this Agreement by providing not less than 7 days' written notice to us.



You need to register to be able to use the Services. To be entitled to register online, you must be a trustee of a self-managed super fund who is required by the Superannuation Data and Payment Standards 2012 issued by the Australian Taxation Office from time to time to receive contributions from employers from 1 July 2014.
Your nominated user who is granted access to the Portal must be an individual with an Australian residential address, valid email address and be authorised to act on your behalf.
On successful receipt of payment of the Fees, we will provide you with a licence and access to your nominated user to use the Services.
You agree to provide true, accurate, current and complete information about yourself as part of your registration and to promptly keep your registration information up to date. If you do not keep your information up to date, your use of the Service may be affected and you may not be able to use the Service to its full advantage.
If you provide any information that we reasonably rely on in providing the Service or complying with any obligations arising out of providing the Service that is untrue or inaccurate, or if we have reasonable grounds to suspect that such information may be untrue or inaccurate, we may suspend your Service and refuse any and all current or future use of the Service (or any other service we may offer from time to time) on written notice to you until you have remedied any such breach within 14 dyas of receiving notice from us.



You will be provided with unique username and password to enable you to use the Services. You must not share your username and password with any other person, and you must ensure that it remains secure.
Whilst we may implement multi-factor authentication, it does not guarantee against unauthorised use of the Service. You are solely responsible for any use of Service using your username and password. You agree to immediately notify us of any unauthorised use or suspected unauthorised or fraudulent use of your Service or any other breach of security.



These Terms relate solely to the use of the Services for your own internal business requirements. Without limitation, you are not permitted to provide the Services on an application service provider basis, sub-licence or resell the Services or to use the Services to provide any outsourcing service without our prior consent.

The Service will only display the last twenty four (24) months of Messages received via the Portal. We recommend you regularly print or save your Messages for future reference.


Use of the Services

We will make reasonable efforts to make the Services available except in the following circumstances where we may, acting reasonably and, not make the Services available:
  1. providing at least 7 days' prior notice planned downtime for maintenance and upgrades or
  2. as soon as practicable, any unavailability caused by circumstances beyond our control, including without limitation, acts of God, acts of government, flood, fire, earthquakes, civil unrest, acts of terror, strikes or other labour problems (other than those involving our employees), or unplanned technological failures or delays.
We shall maintain reasonably appropriate administrative, physical, and technical safeguards for protection of the security, confidentiality and integrity of your Data. We shall not disclose your Data except as compelled by law or as expressly permitted in writing by you. We will not access or modify your Data except as permitted by these Terms or at your request.
You will be responsible for maintaining the accuracy and integrity of your Data at all times and for making backup copies of Data and for archiving Data. Except as otherwise provided in these Terms, we may delete your Data from the Portal after twenty-four (24) months.
We will be entitled to access the Portal and your Data at any time in order to:
  1. perform any maintenance on the Portal which we consider necessary;
  2. perform any work on the Portal which is required under any applicable laws;
  3. determine whether you are complying with your obligations under these Terms; and
  4. to remove any material, Information or Data we consider has entered onto the Portal in breach of the terms of these Terms.


Service limitations

You acknowledge and agree that:

  1. the internet is accessible to anyone with the appropriate technical capability and that it is impossible to totally protect the Portal (including your Data and any of your business or other Information contained in your Data) from the actions of third parties, including other users of the Portal;
  2. you are responsible for ensuring that your own business Information and information technology systems are protected against the actions of third parties;
  3. you are responsible for ensuring that your connection to the Portal is secure at all times;
  4. we do not warrant that your use of the Portal will be free from any interruption or delay, nor do we warrant that the Portal will be free from any errors, defects or faults. We may temporarily suspend availability of the Portal where upgrades, repair or maintenance are (in our absolute discretion) required. We will use reasonable efforts to provide prior notice. Our sole obligation in relation to any unavailability, errors or defects affecting the Portal will be to use commercially reasonable efforts to repair or correct the Portal (as the case may be);
  5. all rights in the Software are licensed by us and you must not at any time make any statement or do anything which is inconsistent with our license;
  6. you are responsible for ensuring Messages sent to your Portal are read and acted upon as required. If you are unable to access the Portal on a regular basis or for an extended period of time, it is your responsibility to make alternate arrangements; and
  7. we have no control over, and do not assume any responsibility or liability in respect of, the content of Messages sent via the Service. If you disagree with the content of any message you are responsible for raising your objections with the Provider;


Third party content and links to other websites

You acknowledge that Messages and content provided or generated by Providers, and certain other content listed on the Website, is not ours (Third Party Content). The Third Party Content and the layout of the Third Party Content is the sole responsibility of the third party entity that makes it available to you via the Service. While we may review Third Party Content to determine whether it is unlawful or violates our policies, we are not obliged to review, and we do not accept any liability whatsoever in connection with, the Third Party Content and we make no representations to you about its appropriateness, accuracy, currency and completeness.
All Third Party Content including referral buttons and embedded hyperlinks does not amount to a recommendation or endorsement by us or our respective directors, employees, agents or representatives.
The Service and Third Party Content may also contain hyperlinks and other pointers to Internet websites operated by third parties. These linked websites are not under our control, and we are not responsible for the contents of any linked website or any hyperlink contained in a link to a website. We provide these hyperlinks to you for your convenience only, and the inclusion of any link does not imply any endorsement of the linked website or its contents by us. Your use of any link to another website is entirely at your own risk.



To the maximum extent permitted by law, you agree to indemnify us and our directors, employees, agents, contractors and representatives from any liability, loss, actions, proceedings, costs, charges and expenses including reasonable legal costs ( Loss ) incurred by us as a result of:
  1. gross negligence, fraud or wilful misconduct by you or your representatives; and
  2. third party claims or demands arising against us and claims that you or Australia Post have contravened any laws, arising from your wilful, negligent or fraudulent acts or omissions and any breach of these Terms by you
Your obligation to indemnify us under clause 9.1 is reduced proportionally to the extent that the Loss was caused by, or contributed to by us .


Mutual Warranties

Each party warrants that:

  1. it has the full power and authority to enter into these Terms and perform their obligations hereunder; and
  2. it will not transmit to the other any Malicious Code.


Your Warranties

You warrant that:
  1. you will not change, modify, delete, interfere with or otherwise deal with any third party's Data;
  2. you will ensure that all people who you authorised to use the Portal with your permission or consent comply with these Terms;
  3. all material uploaded, displayed or transmitted by you in connection with your use of the Services will not be false, offensive, defamatory, threatening, obscene, unlawful or infringe any third party's rights (including without limitation their Intellectual Property rights);
  4. you will not use the Services in a way which disrupts, interferes with or restricts the use of the Portal by any third party or otherwise contravenes any applicable laws (including without limitation, laws relating to privacy) or otherwise than as contemplated by these Terms;
  5. you will not obtain or attempt to obtain a copy of the Software or upload any codes or scripts onto the Portal or transmit via the Services any Information which contains Malicious Code;
  6. you are solely responsible for maintaining the confidentiality and security of your password(s) and you will be responsible for any loss or damages arising (directly or indirectly) as a result of your failure to do so;
  7. you will not do anything which is inconsistent with our rights in the System under these Terms, including without limitation removing any trade marks, copyright or other proprietary notices contained in or appearing on any material you download from the Portal or downloading the Software from the Portal;
  8. you will not do any other thing in connection with the System which is not expressly authorised by these Terms;
  9. you will not email, transmit or otherwise make available any content received via the Portal that you do not have a right to make available under law or under contractual or fiduciary relationships;
  10. you will not engage in the practices of "screen scraping", "database scraping", "data mining" or any other activity with the purpose of obtaining lists of users or other information from the Portal or use web "bots" or other similar data gathering or extraction methods, or permit or enable another party to do so;
  11. you will not interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service, including using any device or software; or
  12. your use of the Service shall not violate any applicable local, state, national or international law.
You undertake and agree, if you are a trust, to:
  1. comply with the terms of the trust and the duties as trustee of the trust;
  2. use the Service in accordance with this Agreement exclusively for:
    1. proper trust purposes;
    2. not do anything which may result in the loss of your right to indemnity from the trust assets or the termination of the trust;
    3. remain sole trustee of the trust; and
  3. not re-settle, set aside or distribute any of the assets of the trust without our consent (which shall not be unreasonably withheld) unless compelled to do so by the current terms of the trust document.
You represent and warrant that if you are a trust:
  1. you are validly existing under the laws of the place of formation and have taken all necessary action to authorise entry into and performance of this Agreement;
  2. you are properly appointed as sole trustee of the trust;
  3. you have a full right to indemnity from the trust assets in respect of the Agreement;
  4. none of the trust assets have been resettled or set aside; and
  5. the trust has not terminated nor has any event for the vesting of the assets occurred.


Exclusion of warranties

Subject to 12.2, except as provided in this Agreement and to the maximum extent permitted by law, Australia Post disclaims all warranties with regard to the information and applications contained on the website and your use of the website, including all implied warranties of merchantability and fitness. Australia Post, its contractors, agents, or employees shall not be liable for any damages (including special, indirect or consequential) arising out of or in connection with the use or performance of the website whether in contract, at common law or in equity, or on any other basis, except where the damage arising arises directly as a result of any gross negligence, fraud or wilful misconduct on the part of Australia Post.
If any condition or warranty is implied into this Agreement pursuant to any legislation (including without limitation the Competition and Consumer Act 2010 (Cth)) and the legislation avoids or prohibits provisions in a contract excluding or modifying the application of, exercise of, or liability under such conditions or warranty, the condition or warranty will be deemed to be included in this Agreement, provided that, where it is fair and reasonable to do so, the liability of Australia Post for breach of the condition or warranty shall, if the legislation permits, be limited (at Australia Post's option) to any one or more of the following:
  1. in the case of goods, to anyone it determines of the following: replacement of the goods or the supply of equivalent goods; repair of the goods; payment of the cost of replacing the goods or acquiring equivalent goods; or payment of the cost of having the goods repaired; and
  2. in the case of services, to either supplying the services again or payment of the cost of having the services supplied again,
and otherwise will be limited to the maximum extent permitted by law.



You understand that by agreeing to these Terms, which include our Privacy Policy (www.auspost.com.au/privacy), you consent and agree to the collection and use of certain information (including personal information) about you and your use of the Service in accordance with our Privacy Policy. Our Privacy Policy sets out how we handle and protect your information.


Fees and Payment

You must pay the Fees for the Service set out in www.auspost.com.au/finance-insurance/self-managed-super-fund.html.



Unless the contrary intention appears, words or expressions used in this clause 15 which are defined in the A New Tax System (Goods and Services Tax) Act 1999 have that same meaning.
All stated prices and amounts are payable under these Terms as consideration have been calculated without including an amount for GST (unless GST-inclusive amounts have been specified). In addition to any GST-exclusive amounts payable the customer must pay an amount equivalent to the GST applicable to the taxable supply (the "GST Amount"). The GST Amount is to be calculated by multiplying the GST-exclusive amount by the GST rate applicable to the supply at the time that supply is made. The GST Amount shall be paid to Australia Post at the same time and in the same manner as the relevant consideration is otherwise required to be paid or provided.
Australia Post, as the supplier of a taxable supply under these Terms, will issue a compliant tax invoice to you.
If a supply made under these Terms is treated as not subject to GST but is or becomes a taxable supply Australia Post may charge and recover from the customer in addition to any other consideration, an amount equivalent to the GST payable in respect of that taxable supply.
If in relation to a supply made under these Terms an adjustment event occurs that gives rise to an adjustment, the price of that supply (including any GST Amount) will alter accordingly and where necessary a payment will be made to reflect the price adjustment.
If any party is required to pay, reimburse or contribute to the other party an amount paid or payable in respect of an acquisition from a third party, the GST-exclusive amount for payment, reimbursement or contribution to the other party shall be the acquisition price paid by the acquiring party, less any input tax credit it is entitled to claim.
Sub-clauses 15.5 and 15.6 of these Terms shall survive termination of these Terms.


Suspension and Termination

You may terminate your licence to access the Service by giving not less than 90 days' written notice to us to superannuation@auspost.com.au. Termination of your licence to access the Service will be effective from the date of notice from you. No refund of any Fees that were due and payable to us for the Services prior to termination will be made to you.
We have the right at any time to notify you that your use of the Services is for a purpose which in our reasonable opinion does not comply with these Terms. In the event that we give you such notification, we will, at our option, delete the offending Data or temporarily suspend providing you Services and give you 14 days to remedy the nature of our concerns. Your failure to do so within 14 days of such notification will entitle us to cancel the offending Subscriptions immediately. We will endeavour to provide you with notice shortly after cancellation.
We may terminate, limit your access to or suspend your Services and access to the Portal by providing you with 90 days' written notice in the event of the following:
  1. discontinuance or material modification to the Services (or any part thereof); or
  2. a strategic decision of Australia Post.
We will be entitled to terminate these Terms with immediate effect where:
  1. the Subscription Term has expired and you have failed to pay Fees for a subsequent Subscription Term within 14 days of receiving written notice from us;
  2. you materially breach any of your obligations under these Terms and fail to remedy such breach within 14 days of receiving written notice of the breach;
  3. you materially breach these Terms which is not capable of remedy;
  4. you become insolvent, makes any assignment in or proposal under bankruptcy law, makes any other assignment for the benefit of creditors;
  5. you have a receiver appointed (except for the purposes of reorganisation or amalgamation);
  6. you pass a resolution for or become subject to a winding up order; or
  7. a request made to us by law enforcement or other government agencies require the termination.
Upon receiving notice of termination of these Terms under clause 16.2-4, you must:
  1. immediately cease using the Services; and
  2. make alternate arrangements with Providers for the subsequent delivery of messages.
Except as provided for under 16.1, all Fees that were due and payable that you paid to us under these Terms are not refundable. Termination will not relieve you of the obligation to pay any Fees due to us prior to termination. Termination of these Terms under this clause will not limit us from pursuing any other remedies available to us.
We will make available to you for download a file of your Data. We shall have no obligation to maintain or provide any of your Data to you after a reasonable period of time. We will, as far as permitted by law and to the extent practicable, delete all of your Data in our possession or under our control.



The following clauses will survive termination or expiration of these Terms: clauses 1.2, 9, 13, 18, 20-25.


Intellectual Property Rights

All Intellectual Property rights in the Services and the technology used to provide the Services (including but not limited to the Software, Portal, Website and any materials We provide to you under these Terms) are licensed or owned by us and will not be transferred to you under these Terms.
You shall not copy, reproduce, adapt or otherwise infringe our or our service providers' Intellectual Property rights in, any part of the Portal, Services or the technology used to provide the Services except as expressly permitted by these Terms.
Subject to applicable copyright laws, you will exclusively own the Intellectual Property rights in your Data that is created by you as part of your use of the Services and messages that are sent to you from Providers (together "Your Content"). You grant us and our service providers a non-exclusive, irrevocable, worldwide and royalty free licence to host and reproduce Your Content for the purposes of providing the Service.



Any notice to be given under these Terms by us will be sent by e-mail to the email address you provide for registration (or otherwise as notified to us in writing).
You must direct any notices to us at superannuation@auspost.com.au.
Notices will be deemed to have been received by the addressee upon the sender receiving confirmation from the addressee or the addressee's computer system of successful transmission.


Assignment and Subcontracting

We may assign or subcontract any of our rights or obligations in performing the Services under these Terms at any time by written notice to you.



Failure by either party to exercise or enforce any term of these Terms will not be deemed a waiver of enforcement of that term or any other term. Other than as stated in these Terms, the remedies provided are in addition to any other remedies available to a party at equity or law.


Entire agreement

These Terms constitutes the entire agreement of the parties with respect to its subject matter and supersedes all prior agreements, communications, representations and understandings related to its subject matter.


Governing law

These Terms are governed by the laws of the State of Victoria. The parties irrevocably submit to the non-exclusive jurisdiction of the Courts of the State of Victoria, Australia.



Any provision of these Terms that is prohibited or unenforceable in a jurisdiction is ineffective as to that jurisdiction to the extent of the prohibition or unenforceability. That does not invalidate the remaining provisions of these Terms nor affect the validity or enforcement of that provision in any other jurisdiction.


Defined Terms and Interpretation

"Data" means Information contained in Messages, Information you enter into the System and the results of processing Information as part of your use of the Services.

"Gateway Operator" has the same meaning as under the Standards.

"Information" includes, but is not limited to all Data, records, reports, documents, manuals provided to you in connection with the Services.

"Intellectual Property" includes:
  1. all rights of ownership created under or by copyright, design registration, business name registration, patent registration and trade mark registration;
  2. the exclusive entitlement to claim ownership of rights created under or by copyright, design registration, business name registration, patent registration and trade mark registration;
  3. the exclusive entitlement to register designs, business names, patents and trade marks, and
  4. all other rights in intangible property including rights in present and future intangible property and rights in information granted by law or equity from time to time under the law of any jurisdiction throughout the world.

"Malicious Code" means code which contains a virus, worm, trojan horse or any other harmful or malicious component or program.

"Message" or "Superannuation Transaction Message" means a message relating to a Superannuation Transaction.

"Parties" means Australia Post and you.

"Portal" means browser based user interface available from the Website and all related information technology infrastructure used in providing the Service to you.

"Providers" means an employer or fund who sends Messages to self managed super funds via the Service.

"Service" means the provision of services by Australia Post to you as set out in clause 2.1.

"Software" means any software that is used to provide any part of the Services.

"Subscription" means your right to use the Services under these Terms.

"Subscription Term" means twelve (12) months (or such other period agreed to by us) from the date of successful completion of registration.

"Superannuation Transaction" has the same meaning as under the Standards.

"Superannuation Transaction Network" has the same meaning as under the Standards.

"System" means the Website, Portal and Software.

"Terms" means the terms of this SMSF Gateway Service licence agreement.

"you" means the applicant of the Service who satisfies the registration requirements set out in clause 3.1.

"We", "us", "our" or "Australia Post" means Australian Postal Corporation.

"Website" means www.australiapost.com.au
The following rules apply to these Terms unless the context requires otherwise:
  1. The singular includes the plural and vice versa;
  2. Headings are for ease of reference only and do not affect interpretation of the Agreement;
  3. A reference to a party includes its employees, agents, representatives and sub-contractors and any servant or agent of its sub-contractors;
  4. A reference to legislation or to a provision of legislation includes a modification or re-enactment of it, a legislative provision substituted for it and a regulation or statutory instrument issued under it; and
  5. Use of the words "includes" or "including" means "without limitation" and the use of these or similar words shall not limit the meaning of the general words.