BE CYBER SAFE

Super 101 | Date Posted 4 April 2025

At Team Super, we're very serious about protecting your information. Before you can log in, you’re required to have two factor authentication (2FA) set up. This is another layer of security where a code is sent directly to your mobile number. The code must then be entered before you can proceed.

Your super is one of your most important investments, so it's important that it's safe and secure. That's why we'll never send you an email asking you to verify your personal information or provide your password, member number or other account details to us.

If you have any concerns, we can put in place extra security measures to protect your account – such as adding an extra password or security question before we process any transactions over the phone. To set this up, just give us a call on 13 64 63.

KEEP YOUR ONLINE ACCOUNT SECURE

To keep your online account secure, it's important you apply strong password management and be vigilant online. Follow these tips:

1. Use strong passwords. When you set up your online account password, you're required to follow certain password complexity rules.

2. Don’t re-use passwords across different websites. This protects again dark web trading in case your password from another website is compromised.

3. Don’t ever share any password or 2FA information. Team Super staff will never ask for this detail.

4. Make sure the email address and mobile number we have on file for you are correct.

KEEP CONTROL – KNOW WHEN YOU CAN ACCESS YOUR SUPER

Your super can be accessed early under very limited circumstances. It’s important to know the rules (PDF), as accessing your super early is illegal when you don’t meet a ‘condition of release’. If you do, you could lose your retirement savings and be hit with huge penalties.

HOW WE HELP PROTECT YOUR IDENTITY

We collect your personal information for superannuation and other related reasons, for example, to allow us to follow the law and let you know about other services and products that might be available to you because you have an account with us.

We're very serious about protecting your information. Personal and sensitive information may be held and stored by us or our Administrator electronically within our secure electronic network, servers and cloud service providers. It is also held in hardcopy form, for example, in paper files.

Hardcopy files containing personal information are archived in a secure offsite archiving facility. Personal information contained in electronic form is secured by encryption and firewalls which are in line with Australian information security standards.

Your super is one of your most important investments, so it's important that it's safe and secure. That’s why you need to go through the two factor authentication process before you can log in. Sometimes we may ask you to prove your identity before we action a request. By asking you to have copies of your identification certified, we can be sure the copy is a true copy and it’s you making the request and not someone else.

For more information, read our Privacy Policy and Privacy Collection Notice.

COMMON SCAMS

Scams are constantly evolving and with a growing reliance on technology it's important you understand how to keep your personal information safe. In 2023 alone, Australians lost over $2.74 billion to scams, according to ACCC's Targeting Scams report (PDF). There's a wide range of scams, from dating and romance to investment scams, phishing and payment redirection. Common techniques used by scammers to manipulate their victims include making exclusive offers that you 'don't want to miss out on' or asking for small commitments, such as completing a survey, to make you more likely to comply with larger schemes down the track.

Not all scams are done online. In fact, the majority of scams are done via text message, followed by email and phone. Scammers are clever and everyone can be vulnerable to scams. Being informed can help you identify and avoid scams.

Here's how to spot and avoid scams.

1. Make or save money: Creating a sense of urgency or fear of missing out is a common tactic. Scammers will offer you a deal or offer that sounds too good to be true. Often you’ll need to act fast to take advantage of the ‘unique opportunity’ and not miss out.

2. Sad stories and cries for help: Scammers will share a sob story to lure you into handing over money.

3. Links and attachments: Scammers use links to send you to fake websites designed to steal your personal details. They’ll then use this to purchase expensive things or subscriptions in your name, access your bank account or open a new one in your name. Scammers may also get you to open attachments which install viruses that steal your information. To avoid bad links, visit websites by typing in the url yourself, rather than clicking links in emails.

4. Uncommon payment methods: Scammers often ask you to pay using uncommon methods like preloaded debit cards, iTunes cards, or virtual currency like Bitcoin.

5. Request to set up new accounts or PayIDs: Scammers may pretend to be your bank and get you to set up a new bank account or PayID in order to be ‘safe’. When a company requests a new payment option, such as pay ID, or a new BSB / account number, contact the company in question to verify the change is legitimate.

Did you know? One in three scam victims have been scammed more than once. Scammers often offer to help you get your money back, which is another kind of scam.

HAVE YOU BEEN SCAMMED?

If you've lost money to a scam or given out your personal details to a scammer, you're unlikely to get your money back. However, there are steps you can take straight away to limit the damage and protect yourself from further loss.

1. Act fast. Contact your bank to report the scam and stop any transactions to prevent further losses.

2. Contact IDCARE for help. They can help you respond to data breaches, scams, identity theft, and cyber security concerns.

3. Report the scam to Scamwatch. This will help them learn more about scammer activity and design new and better ways to stop them.

4. Watch out for follow up scams. If you’ve lost money to a scam, they often come back for more, so remain vigilant.

5. Get emotional support. It’s important to reach out to family, friends or even a professional for emotional support if you’ve experienced a scam.


Check out the Scamwatch website for more information on where to get help.


MORE INFORMATION ABOUT HOW TO LIMIT YOUR RISK OF FRAUD

For more details on how to spot, avoid and protect yourself from scams, check out the ACCC's Little Book of Scams (PDF). You can also visit websites such as:

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