Privacy Policy

This Privacy Policy and Collection Statement (Policy) applies to CareSuper Pty Ltd (Trustee) (ABN 14 008 650 628), as trustee of CareSuper (ABN 74 559 365 913) (Fund), and to each of the following companies, being companies which are wholly owned by the Trustee:

CareSuper Advice Pty Ltd (ABN 78 102 167 877); and
CareSuper (Secretariat Co) Pty Ltd (ABN 29 104 826 413), (collectively referred to as the CareSuper Group).

For the purposes of this Policy the trustee and the wholly owned entities referred to above are collectively referred to as the the 'CareSuper Group', 'we', 'us' or 'our'.

This Policy is designed to enable the CareSuper Group to appropriately manage privacy and information matters and to provide individuals with information regarding how the Group handles and manages their personal information.

The Privacy Act 1988 (Cth) (Privacy Act) regulates the way in which organisations, like the CareSuper Group, are required to handle your personal information, including your health information and tax file number. The Act contains 13 Australian Privacy Principles (APPs), which set out the requirements in relation to the collection, use, disclosure, quality and security of personal and sensitive information. The APPs form part of the CareSuper Group's procedures and policies and determine the way in which your member account will be administered and managed.

This Policy applies to both members and non-members. For non-members, this Policy may apply in situations such as (but not limited to) when you browse our website, contact us, attend a CareSuper Group event, apply to become a member, enter a competition, or submit a job application with the CareSuper Group.

What is personal information?

Personal information refers to information or an opinion about an identified individual, or an individual who is reasonably identifiable from the information or opinion, even in circumstances when the information is not true. Personal information includes your name, address, date of birth and numeric identifiers like your CareSuper member number.

Personal information extends to sensitive information about an individual, such as health information, which can only be collected with the individual’s consent. Your tax file number is also considered personal information and is subject to additional rules and requirements under superannuation and taxation laws.

The terms personal information and personal data are often used interchangeably when referring to privacy and within this Policy.

Protecting your privacy is important to us

This Policy outlines what details we keep about you, why we need this information and how we maintain your personal information in accordance with the Privacy Act and APPs.

You have the option of interacting with the CareSuper Group anonymously or by using a pseudonym. In such circumstances, we may provide you with general information about our products, services or processes. We won’t, however, be able to provide you with any specific information (for example information about a specific account or member). This is because the provision of certain identifying information is required by law and/or for integrity purposes to provide access to products, services and features or to provide certain information.

Why we need your personal information

We may collect a range of personal information for the following purposes:

establishing your account
identifying you, your beneficiaries, or any agents acting on your behalf
verifying your identity
administering your super or other accounts with us, including managing your underlying investments, processing contributions to your account, paying or transferring your super benefits
assessing your eligibility for insurance or benefit claims
providing you with advice
providing you with information about super and other related services
complying with laws and reporting requirements and assisting government or law enforcement agencies
managing and resolving complaints made by you
research to improve products and services
conducting research and analytics related to the functions of the CareSuper Group
prevent, detect and investigate suspicious or fraudulent activities
assessing your job application if you apply for employment with us.

We may also collect personal information for related purposes such as:

informing you of opportunities, special offers and promotions, potentially including marketing materials regarding the products or services of third parties
research and feedback to improve the products and services available to you.
engaging with third-party service providers to assist in delivering direct marketing communications through various channels, including social media platforms and other digital means.

You can advise us at any time if you don’t want us to use your personal information for the marketing and research purposes outlined above. This means that we won't advise you of opportunities and additional services available to you.

Where we use your personal information to contact you for marketing and research purposes, we’ll give you the opportunity to opt out of any future direct marketing campaigns at the time of contacting you. You can opt out of receiving direct marketing communications at any time by updating your preferences in your online account settings or by reaching out to us using the contact information provided on our public website.

What kind of information we collect

The type of personal information we collect about you will depend on the products and services provided to you, but may include your:

full name
date of birth
tax file number (TFN)
identification documents
contact details including address, phone number and email address
residency and citizenship status
employment details including salary
details of your nominated beneficiaries
financial information such as salary, contributions history, banking details, and your applications for benefit payments
information about your investments, assets and liabilities, expenses, estate planning, insurances, income, and tax affairs
other information necessary to provide products and services to you.

Over time, this information may be supplemented by financial and other information necessary to administer your account. For example, changes to your investment options, amounts transferred into or out of your account or variations to your insurance.

We may also need to collect sensitive personal information about you, but only with your consent. For the purposes of the Privacy Act, sensitive information includes information about your health, racial or ethnic origin, political persuasions, biometric scanning, criminal record and religious or philosophical beliefs. Any sensitive information we collect about you will generally be limited to information about your health with regard to insurance eligibility assessments for either applications or claims. We won’t use your sensitive information for any other purpose or share it with anyone else without your permission, unless we are required or authorised to do so under any applicable law.

Consequences of not providing your personal information

If your personal information is not provided to us to enable us to properly administer your account or benefits, certain consequences may follow. Examples of these consequences include:

we may be unable to pay your benefit (or process some other requests) or there may be delays
we may be unable to accept some types of super contributions on your behalf
we may have difficulties in calculating your benefit
there may be difficulties and delays in processing any insured death, terminal illness or TPD benefit you may be eligible for
you may pay more tax than is necessary
we may experience difficulties in contacting you - which means you do not receive annual statements or other important communications and may get reported as a lost member and eventually your benefit may be transferred to the Australian Taxation Office (ATO).

How we collect your information

Where possible, we'll collect your personal information directly from you.

There may be occasions where we collect information from an authorised representative, third parties such as your employer or the ATO, and publicly available sources. If you attend an event sponsored or conducted by us, we may collect information about you from the organiser of the event or from our service providers involved in conducting the event.

Collection of information from you will occur when you contact us to request that we provide a product or service. We may continue to collect your personal information during the course of our relationship. Your communications with us may be monitored and recorded. This is so we can improve our products and services and to ensure compliance with our policies and procedures.

We collect personal information when you lodge forms such as membership application and change of personal details forms, if you send us documents containing personal information, or if you pass security checks and provide updates to your information either over the phone or in writing. We also collect your personal information when you update your details in our online member portal, Member Online.

If we don’t have your personal information, including your name, date of birth, address, contact phone number, email address and TFN, these can be provided to us by your employer to enable us to accept, and process, your super contributions and maintain your account. We may also collect your personal information from the ATO, other superannuation trustees and other third parties where doing so is necessary for the administration of your account or provision of benefits and services to you or is required or authorised by an applicable law.

Personal information may also be collected by the CareSuper Group through external service providers, including our group life insurer, MetLife Pty Limited (ABN 57 078 907 883, AFSL 238761) (MetLife). MetLife provides group life insurance to the Trustee for the benefit of Fund members. Read the MetLife Privacy Policy at the MetLife website.

How we retain your personal information

We’ll only retain your information for the minimum period of time required to facilitate the administration of your account and to ensure compliance with legislative requirements. To facilitate this, we’ve determined that:

following the closure of a member account, all digital records will be held for a period of time in accordance with legislative and regulatory requirements and the CareSuper Group’s data retention and disposal policies; and
subsequent to this period member information that’s no longer required may be destroyed or de-identified as appropriate.

Disclosure of your personal information

We will only disclose your personal information to third parties for the purposes outlined in this Policy, for other purposes that we notify you of and/or obtain your consent to or for purposes that are required or authorised by an applicable law. Where personal information is disclosed to a third party engaged by us, we will ensure that the third party is subject to appropriate controls and restrictions regarding the use of that information.

The types of third parties to which we may disclose your personal information include:

Insurer: MetLife
Direct Investment option provider: FNZ
printing and mailing companies
archiving companies
actuaries, accountants, auditors, legal advisers and regulators
insurance companies and underwriters
medical practitioners and other service providers that assist us with the assessment of claims
custodians and investment managers
marketing and research companies
organisations maintaining and providing our information technology systems and services
service providers and other advisers appointed by us
your spouse or former spouse, to the extent required by law
a third party where authorisation has been provided by you
your dependants, legal personal representative or power of attorney as appropriate
any other superannuation fund to which your benefit is to be transferred or rolled over, or from which your benefit is to be transferred or rolled in to CareSuper, including the administrator of that fund
government agencies including the ATO, Australian Prudential Regulation Authority, Australian Transaction Reports and Analysis Centre, Australian Securities and Investment Commission, Australian Financial Complaints Authority, the Courts and any other bodies or persons where required by law
other financial institutions, for the purpose of detecting and assisting in the prevention of fraud and scams.

Generally, we require organisations who handle or obtain personal information as service providers, to agree to comply with the Privacy Act, the APPs and this Policy.

Your personal information won’t be used or disclosed for any purpose other than the purposes set out in this Policy without your consent, except where required or authorised by super, tax or other relevant law. For example, we’re required to report certain information to the ATO for tax related purposes.

We may disclose information to a third party nominated by you, such as your financial planner, where authorisation has been provided by you.

We’ll only disclose your sensitive personal information to a third party with your consent or where required or authorised by applicable law. However, without your consent, we may not be able to process your insurance application or assess your claim or may otherwise be limited in how we can assist you.

Disclosing information Overseas

Member personal information provided to the CareSuper Group or its service providers may be disclosed to, or stored by, entities located outside Australia. This may include but is not limited to data and IT hosting organisations, reinsurers and other analytical and administrative service providers. Disclosure of a member’s personal information to an entity located outside Australia will only occur where:

it is necessary for the purposes of administering Fund membership in accordance with the terms of this Policy;
we’ve taken reasonable steps to ensure that the overseas entity is committed to protecting the individual’s privacy and complies with the APPs (or a broadly equivalent foreign law or binding scheme that is substantially similar to the APPs);
the disclosure of the information is required or authorised by or under an Australian law or a court/tribunal order; or
we have obtained your consent for the specific disclosure or you request that we disclose the information to the overseas entity.

Overseas recipients may be located in a range of countries, including, but not limited to, Singapore, New Zealand, India and Malaysia. This information is accurate at the date on which this Policy is approved, based on the information available to the CareSuper Group. Reasonable steps have been undertaken to ensure the information is accurate. Due to business operational variations and circumstances this may be subject to change from time to time.

Quality of your personal information

We rely on accurate, complete and up-to-date personal information to provide you with products and services. We take steps to ensure that your personal information is complete and up-to-date by maintaining and updating personal information when you advise us that your personal information has changed, and/or by proactively seeking clarification of details as necessary.

If there are any changes to your personal information, we encourage you to advise us immediately so we can update your details.

How can I update my personal information?

We rely extensively on the accuracy of the personal information you or your employer(s) provide. If any of your details have changed, or if you have any concerns about the accuracy, completeness and/or relevance of your personal information, please contact CareSuper on 1800 005 166. You can also view and change some of your personal details by using our secure Member Online facility via our website caresuper.com.au.

How can I access my personal information held by CareSuper?

Under the APPs, you have a right to know what personal information we hold about you and to obtain access to it or correct it, free of charge. You may access your information via:

Member Online
Phoning CareSuper on 1800 005 166
Writing to GPO Box 1547 Hobart TAS 7001

The Privacy Act provides limited circumstances in which some or all access to your information may be denied. If this applies to you, we will explain this to you when you ask for your information.

Your privacy and the internet

While all reasonable steps are taken to protect your personal information provided through the internet, you should be aware that there are general risks associated with transmitting personal information through the internet. You should assess these potential risks before deciding whether to use our online services. If you don’t want to transmit personal information over the internet you may provide information to us by mail, phone or in person.

What information do we collect?

The general and personal information collected online depends on how you use the CareSuper website.

If you visit an unsecured area of the website to read or download information, our service provider will log information for statistical purposes.

We’ll try not to identify users or their browsing activities or merge this with personally identifiable information. An exception is, in the event of an investigation, a law enforcement agency may exercise a warrant to inspect the service provider’s logs.

Interactive tools on the website, such as calculators, often require you to provide personal information. We only retain this information where a calculator or similar tool allows you to save information and retrieve it at a later time. The information stored won’t ordinarily be viewed by us.

How we handle email

If you provide us with your email address, we may use it to send regular communications such as updates on new and existing products and services (including products or services of third parties). If you don’t want to receive such information, you can click the unsubscribe link within the email you received, or you can contact us to unsubscribe at any time.

We’ll preserve the content of any email that you send us, if we believe we have a legal requirement to do so. Your email content may be monitored for security issues, including where email abuse is suspected. Our response to you may be monitored for quality assurance purposes.

Cookies

Cookies are small text files that are sent to the user’s browser to allow the web page browser to retrieve information from the computer. Cookies can either be temporary session cookies, or stored permanently on a computer. We use traditional web browser cookies.

We use cookies on our websites to obtain information regarding the use of the website and to tailor the information we present to you. By using the website, you agree to our use of this type of technology.

We may use cookies from approved third parties, such as Google, to customise your experience of our advertising on other sites. If you want to avoid tracking, you can block trackers with a browser like Safari or a privacy add-in tool, or you can change your advertising settings with the organisations directly.

The CareSuper website uses Google Analytics in order to understand the demographics and interests of website users. Google Analytics is a service which transmits website traffic to Google servers in the United States. By using the CareSuper website, an individual consents to the use and collection of data by Google in accordance with Google’s Privacy Policy, and for the purpose set out above. An individual can opt out of Google Analytics by disabling or refusing the cookie or by using the opt-out service provided by Google.

We, and third-party vendors, may at times combine cookies together to inform, optimise, and serve ads based on past visits to our website. This may also be used with analytics to report ad impressions and interactions with these ads.

If you’re concerned about cookies, you should be able to adjust your computer settings so that cookies will be rejected, however, this means that you may be unable to view secure pages.

Links to other websites

Our website has links to other internet sites.

These are provided as a convenience to you. We make no warranties and accept no liability in relation to the material contained on any linked external websites.

This Policy only applies to the CareSuper Group and doesn’t extend to the websites of other companies or organisations to which our website is linked. We encourage you to read the relevant privacy policies or terms and conditions governing these linked sites to ensure that your privacy is protected.

Making a complaint

If you consider that any action by us breaches this Policy, the Privacy Act (including the APPs), or otherwise doesn’t respect your privacy, you can make a complaint.

For information on how we handle your personal information, or if you’d like to complain about a possible breach of privacy, contact us in one of the following ways:

Postal address	Complaints Officer CareSuper GPO Box 1547 Hobart TAS 7001
Phone	1800 005 166
Email	[email protected]

We will commence an investigation into your complaint. You will be informed of the outcome of your complaint following completion of the investigation. We will endeavour to notify you of the outcome of the complaint within 30 days of you notifying us of the complaint.

If you’re not satisfied with our response to your privacy complaint, you can refer the matter to the Office of the Australian Information Commissioner. Their contact details are:

Postal address	Office of the Australian Information Commissioner GPO Box 5218 Sydney NSW 2001
Phone	1300 363 992
Email	[email protected]
Website	oaic.gov.au

Review of this Policy

This Policy will be reviewed and updated by the Trustee from time to time.

If the Policy is varied, an updated version will be posted on the CareSuper website. Please check the CareSuper website regularly to ensure that you have the most recent version of the Policy.

This Privacy Policy was last updated in March 2026.

Download this Policy or request a copy by calling us on 1800 005 166.