Mrs. P began work as a high school teacher. As part of securing her position at a secondary school, Mrs. P must join the Education Superannuation Fund. When offered the position by Hawthorn Secondary School the principal at the school handed her a document entitled: "All you need to know about the "Education Superannuation Fund". It was a single A4page that listed the name of the fund, its AFSL (Australian Financial Services Licence) Number, and a reference to the fund's website "for all other questions".

Mrs. P went to the website and was overwhelmed by the information contained on the site: a 300page Product Disclosure Statement, a 200page Financial Services Guide, Legal notices, dispute resolution details, contact details, and exemption clauses. Mrs P just shook her head and ticked a box which said: "I have, read, understood all the information contained in this website."

Has Education Super Fund complied with its disclosure obligations according to the relevant legislation and common law?