Third-party services are provided by parties other than HESTA and terms and conditions apply. HESTA does not recommend, endorse or accept any responsibility for the products and services offered by third parties or any liability for any loss or damage incurred as a result of services provided by third parties. You should exercise your own judgement about the products and services being offered. HESTA has shares in Industry Super Holdings Pty Ltd, which owns Members Equity and Industry Fund Services (IFS). HESTA undertakes that it will not deal with these organisations more favourably than it would deal with any other independent service providers, and does not receive any commissions as a result of members using their products. Industry Fund Financial Planning, an operating division of IFS, an Australian Financial Services Licensee, AFSL No. 232514, ABN 54 007 016 195, provides financial planning advice to HESTA members and is paid a fee for this service.