Terms and Conditions

1. About These Terms

These Terms & Conditions (“Terms”) govern your access to and use of the website operated by Comrade Trustee Services Limited (“CTSL”, “we”, “us”, “our”), including all content, features, tools, and services available through it (collectively, the “Site”). By accessing or using the Site, you agree to be bound by these Terms and our Privacy Notice. If you do not agree, do not use the Site.

2. Who We Are

CTSL is the trustee and administrator of superannuation services for Papua New Guinea Defence Force personnel and eligible stakeholders. Information on the Site is provided for general information only and does not replace the governing trust deed(s), fund rules, or applicable legislation and regulations.

3. Eligibility & Use of the Site

You may use the Site only if you:

are legally capable of entering into a binding agreement under the laws of Papua New Guinea, and
use the Site in compliance with these Terms and all applicable laws and regulations.

The Site is intended for use by individuals in PNG; access from other jurisdictions is at your own initiative and risk, and you are responsible for compliance with local laws.

4. Accounts, Email Subscriptions & Communications

Subscriptions: You may subscribe to our mailing list by providing a valid email address. You consent to receive communications (e.g., newsletters, service updates, job alerts). You may opt out at any time using the unsubscribe link in our emails.
Accuracy: You represent that all information you provide (e.g., name, email) is accurate and kept up to date.
Security: If the Site enables account creation, you are responsible for maintaining the confidentiality of your credentials and for all activities that occur under your account. Notify us immediately of any suspected unauthorised use or security breach.

5. Privacy & Cookies

Our collection and use of personal information are described in our Privacy Notice (incorporated by reference). We use cookies and similar technologies to operate and improve the Site. By using the Site, you consent to our use of cookies as described in the Privacy Notice.

6. Site Content & Information

General Information Only: Content on the Site (including articles, FAQs, calculators, and guides) is provided for general informational purposes. It may not reflect the most current developments and is not professional, financial, investment, tax, or legal advice.
No Reliance: You should obtain professional advice tailored to your circumstances and refer to official fund documents before making decisions.
Updates: We may update, correct, or remove Site content at any time without notice.

7. Superannuation Calculator

The superannuation calculator on the Site (the “Calculator”) provides illustrative projections only based on assumptions you input and default parameters we may set from time to time.

Not Advice: Calculator outputs are not financial or investment advice and do not guarantee future performance, returns, or entitlements.
Assumptions & Inputs: Small changes in assumptions (e.g., salary, contributions, fees, inflation, investment returns) can significantly affect projections. You are responsible for the accuracy of inputs.
No Guarantee: Past performance is not indicative of future results. Actual benefits depend on factors including contributions, fees, taxes, investment performance, rules of the fund, and applicable laws at the time of withdrawal.
Verification: Always verify your personal details and benefit statements with official CTSL communications and seek independent advice where appropriate.

8. Jobs & Applications

The Site may list job vacancies at CTSL and/or related programs.

Accuracy & Availability: Job postings may be modified, withdrawn, or filled at any time without notice.
Applications: If you submit a job application, you represent that the information provided is accurate, complete, and not misleading. You consent to CTSL handling your application data as described in our Privacy Notice.
No Offer: Nothing on the Site constitutes an offer of employment or contract. Any hiring is subject to CTSL’s formal recruitment processes and relevant checks.

9. Intellectual Property

All content on the Site—including text, graphics, logos, icons, images, videos, software, layouts, and compilations—is owned by or licensed to CTSL and protected by applicable intellectual property laws.

You may view, download, and print content for personal, non‑commercial use only.
You must not copy, reproduce, modify, distribute, publish, create derivative works from, or exploit any Site content without our prior written consent.

CTSL