Terms of Use

The following Terms and Conditions of Use outline your obligations when using UNIP or UNIP Australia Pty Ltd (ACN 154 114 619) products and/or services and our website. You can also review our Privacy Policy, which outlines our obligations and practices towards handling any personal information that you may provide to us. By accessing and using this website you acknowledge that you have read these conditions and agree, without limitation, to be bound by them.

Intellectual property:

All content included as part of the UNIP website, such as text, graphics, logos, buttons, icons, images, as well as the compilation thereof, and all software used on this site, is the property of UNIP or its suppliers and protected by Australian copyright laws. You agree to abide by all copyright notices, legends or other restrictions contained in any such content and will not make any changes thereto.

Website content:

The information and materials contained in this site (including these terms and conditions) are subject to change without notice. We may discontinue or make changes to the content of this site and the network at any time. Any dated information included in this site is current at the date of publication only, and we will not have any obligation or responsibility to update or amend such information.

Member plan duration:

If a member has paid during a trial period, the online plan will be extended from the 'End Date' of the trial period for 12 months.

If an existing plan has expired, renewal of the online plan will commence from the plan expiry date and not the date of payment.

If a member creates a new online plan to replace an expired plan, data from the old plan will not be transferred automatically and the member is responsible for any data transfer.

If a yearly membership has not renewed or at the end of the 'Trial Period' all data may be removed within a week from the plan expiry date without notifying you.

No Warranties:

This website is provided without any express warranties or guarantees, unless specifically stated and, to the extent permitted by law, without any implied warranties or guarantees. Links to other websites may be provided from this site. In those circumstances we have no control over the content of those third party websites. We make no express warranties concerning the content of those other sites. In particular we do not warrant the accuracy, completeness or reliability of those sites for a particular purpose, nor do we warrant that such sites or their content are accurate, complete, and current or free of defects including but not limited to, viruses or other harmful elements. The user of this site will assume all risks and costs arising from the use of any website linked to this site.

The terms and conditions provided in this Agreement shall only apply to this website.

We don't provide any kind of financial or investment advice or financial service. UNIP Australia Pty Ltd do not hold an Australian Financial Services Financial Services License (AFSL). If you require financial advice, contact a financial planner who holds a AFSL or the Financial Planning Association who can put you in contact with a reputable financial planner.

Your fund must meet the Superannuation Industry (Supervision) Act 1993 guide lines.

Refund Policy:

We provide a 7 day free trial period during which time you may decide to pay membership and update your account status from 'Trial' to 'Active'. Once the payment is completed and account status updated to 'Active', you will not be entitled to a refund. We strongly recommend that you take advantage of the 7 day free trial period and make sure that the service provided meets your requirements.


The information provided on this website is general in nature and does not constitute financial advice. UNIP does not offer securities or other financial products nor does it invite subscriptions for securities or other financial products to any person, either within or outside Australia.

You agree that your access to, and use of, this site is subject to these terms and all applicable laws, and is at your own risk. This site and its contents are provided to you on "as is" basis, the site may contain errors, faults and inaccuracies and may not be complete and current. UNIP makes no representations or warranties of any kind, express or implied as to the operation of this site or the information, content, materials or products included on this site, except as otherwise provided under applicable laws.

Neither UNIP, nor its affiliates, directors, officers, employees, agents, contractors, successors or assigns will be liable for any damages whatsoever arising out of, or in any way related to, the use of this site and any other site linked to this site. This limitation applies to direct, indirect, consequential, special, punitive or other damages you or others may suffer, as well as damages for loss of profits, business interruption or the loss of data or information.

UNIP has made every effort to ensure the accuracy of the information contained in this website. However, we make no representation concerning the content or accuracy of the information.

We accept no responsibility for any error on omission and reserve the right to amend details as a result of changing circumstances for any reason.

Where we have provided hypertext links to certain sites as a service to our clients, this does not imply any link between the UNIP and the owners of such sites. In addition, UNIP is not responsible for the content of such hypertext links.


You agree to fully indemnify UNIP and any affiliated organizations, and its directors, officers and employees in respect of any loss, damage, cost, or expenses from any claim or demand including reasonable legal fees, made by any third party or in connection with your use of information provided to you on the website.


We may terminate your account without notice at any time if you fail to comply with the terms of this agreement. Upon termination you will not be entitled once the account has been terminated.