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Important Information and Declaration

Your privacy

Personal information collection

The purpose for which we collect your information is to provide superannuation benefits, administer your benefits, and provide related services, information, and offers to you. This includes processing your application, managing your participation in Australian Retirement Trust, providing you with information about your benefits and our available services, and ensuring you receive your entitlements. We will generally collect your personal information directly from you, your authorised representatives, your employer or other third parties, such as the Australian Taxation Office (ATO). If the information we request is not provided, we may be unable to properly administer your benefits and notify you about your entitlements.

We may disclose your personal information to entities within the Australian Retirement Trust Group, our service providers and advisers, medical and health professionals, regulators and government bodies, or to other third parties if we need to or if you have given consent to the disclosure. This includes but is not limited to the Fund’s administration service provider, insurers, auditors and legal advisers. We also might be required by law to disclose information about you, for example to government bodies such as the ATO. We may also disclose information to third-party service providers in various countries, as described in our Privacy Policy.

For more information, please read our Privacy Policy which sets out the types of information we collect and how we collect, hold, use and disclose your personal information. Our Privacy Policy also describes how you can access information about your benefit and personal details, correct any information which is inaccurate or out-of-date, and information on our privacy complaints process. We are committed to respecting the privacy of personal information you give us. Our Privacy Policy may be updated from time to time and is available at or by contacting us.


I declare that:

  • I apply to become a member of Australian Retirement Trust and I agree to be bound by the Trust Deed that governs the Fund.
  • I apply to open an Accumulation Account.
  • Where applicable, I acknowledge and have read my Duty to take reasonable care not to make a misrepresentation in the insurance section of this application.
  • I acknowledge that all of my details entered into this form are correct.
  • I have received, read and understood the accompanying Product Disclosure Statement for Accumulation Account (PDS) which summarises the significant information about the Super Savings Accumulation Account. I understand the other important information in the Accumulation Guide, Investment Guide and Insurance Guide and the fees and costs definitions on the website, which together forms part of the PDS and should be read in its entirety.
  • I acknowledge that the PDS, other documents which form part of the PDS and this application form describe the interest I will have in Australian Retirement Trust if the Trustee accepts my application and is not a contract between myself and the trustee of Australian Retirement Trust.
  • I understand all the above conditions I must meet to be eligible to receive insurance cover, as described in the Super Savings Insurance Guide. I acknowledge insurance cover is provided by an external insurance company.
  • I understand that if I am eligible to receive insurance, premiums will be deducted from my account, and I have considered the effect this will have on my super balance in retirement.
  • I understand that I am still able to cancel my insurance cover in the future.
  • I consent to the collection and disclosure of information about me for the purposes shown above.