Harwood Nominees Pty Limited (the “Trustee”) (ABN 70 001 216 208, AFSL 240614) is the trustee of the Harwood Superannuation Fund (the “Fund”) (ABN 46 182 687 345). Holcim Super is a part of the Fund and the Trustee is the issuer of interests in Holcim Super. References to “we”, “our” or “us” in this disclaimer are references to the Trustee.

General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness having regard to your objectives, financial situation and needs.

Product Disclosure Statements (“PDSs”) for our products are available free of charge on this website or by contacting us at info@holcimsuper.com.au or call us on (02) 9235 8566. You should obtain and consider the relevant PDS before deciding whether to acquire or continue to hold a product.

Authorised representatives of the Trustee are licensed to provide general financial product advice. If you need personal financial product advice, you should seek the help of a financial services licensee who is licensed to provide it.

For a complete understanding of the rights and obligations of members and the Trustee of the Fund, you should refer to the trust deed and rules of the Fund.  The trust deed and rules are available on this website. In the event of any inconsistency between the information on this website and the trust deed and rules, the trust deed and rules will prevail.

Information on this website is subject to change at any time without prior notice.

None of the Trustee, the Trustee’s service providers, or any of the Fund’s employer sponsors guarantees the repayment of capital or any particular rate of return in respect of benefits provided to members of Division Two (except under Rule 22), Division Three or Division Four of the Fund (Division Four does not form part of Holcim Super but provides for account based pensions which are available to individuals including Holcim Super members).  Neither your employer nor the Trustee makes any recommendations about any investment or contribution choices a member makes.

Members should be aware that they do not own or have a right to any particular assets of the Fund or the right to influence how an asset should be dealt with, either during the life of the Fund or when it terminates. The investment options and divisions of the Fund are not separate trusts. Technically, the assets of one option or division can be available to meet the liabilities of another option or division. This could affect investment performance. However, the Trustee considers the possibility of this happening to be very remote because of the way the options and divisions are managed.

This website contains links to other websites (“Linked Sites”). The Linked Sites are not under the control of your employer or the Trustee. Your employer and the Trustee are not responsible for the contents of any Linked Site. Your employer and the Trustee are providing these links to you only as a convenience. Your employer and the Trustee accept no liability in respect of any Linked Site and the inclusion of any link does not imply endorsement, approval or recommendation by your employer or the Trustee of the Linked Site or any association with its operators.