Website Terms & Conditions

Illawarra Retirement Trust (“IRT”) owns and maintains this website for your information, education and use. By accessing and browsing the website, you accept without qualification IRT’s Terms and Conditions, which consist of these terms and conditions, IRT’s Privacy Policy and any notices, disclaimers and other terms and conditions or statements contained elsewhere on this website.

IRT may revise the Terms and Conditions by updating the information on the website, at any time. As you are bound by the Terms and Conditions, you should always check them when using the website.

Minimum technology requirements

To ensure an optimum experience on this website, IRT recommends using a one of the following internet browsers.

  • Internet Explorer (version 10+)
  • Microsoft Edge (version 15+)
  • Safari (version 8+)
  • Mozilla Firefox (version 40+)
  • Google Chrome (version 43+)
  • Opera (version 30+)

Use of the website

All intellectual property on this website – including the IRT trademarks and copyright in the information, text, graphics, services and other data – is owned by us and no part of this website may be copied, reproduced, stored, modified, adapted, uploaded to another location or produced for display in public in any form without our prior written approval


IRT has provided the content on this website in good faith and using its best endeavours to ensure users receive correct information. However, IRT does not warrant or make any representations that the information on this website is reliable, accurate or complete and disclaims any liability or responsibility for any errors or omissions.

IRT also does not warrant or make any representations that the functions (including calculators) contained in the website will be uninterrupted or error-free, or that this website or the server that makes it available are free of viruses or other harmful components.

Website content is provided as general information only and should not be considered as advice. Accordingly, IRT is not responsible for any loss or damage resulting from you or anyone else taking action or relying upon any content on the website, whether provided by IRT or anyone else.

Hyperlinks to External Websites

If you use hyperlinks to any other website, you do so entirely at your own risk.

All hyperlinks to external websites are provided for your convenience and information only. The inclusion of these hyperlinks are not endorsements, approvals or recommendations of the linked websites, their owners or content. 

IRT is not responsible for the content of any website linked to or from the website and disclaims all warranties, express and implied, as to the accuracy, validity, legality or otherwise of any material or information contained on such websites.

User Communications

IRT does not warrant, represent or guarantee that any communications (including transactions) that you submit via the website will be protected against loss, misuse or alteration by third parties or responded to by IRT.

IRT assumes no responsibility, and shall not be liable for the accuracy, timeliness, completeness, security or reliability of any communications (including transactions) made through or in relation to the website.

Products and Services

Features and information of products or services described or depicted on the website, or available for enquiry or application through website hyperlinks, including, without limitation, availability and descriptions of products or services as displayed on the website and via website hyperlinks, are subject to change at any time without notice.

Except as otherwise stated in the text of a webpage of this website, all IRT products and services displayed on the website are provided to you “as is” without warranty of any kind, either express or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.


Indemnity by User

By accessing and browsing the website, you agree that you shall indemnify, and keep indemnified, IRT from and against any claim, action, damage, loss, liability, cost, payment, charge or expense, including but not limited to, consequential loss, economic loss and legal expenses (calculated on a solicitor/client basis) suffered or incurred by IRT arising out of any claim or action that results from you accessing and using the website or in connection with any breach by you of the Terms and Conditions.


These Terms and Conditions will be governed and interpreted pursuant to the laws of New South Wales. If any part of these Terms and Conditions is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions.

IRT controls and operates this website from New South Wales and makes no representation that these materials are appropriate or available for use in other locations. If you use this website from other locations you are responsible for compliance with applicable local laws.