Financial Ombudsman Service Terms of Reference response to submissions New South Wales / ACT Queensland NT / SA / Tas / WA Victoria

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Financial Ombudsman Service Terms of Reference response to submissions New South Wales / ACT Queensland NT / SA / Tas / WA Victoria"

Transcription

1 28 May 2009 Mr Phil Khoury The Navigator Company Pty Ltd c/- Financial Ombudsman Service GPO Box 3 Melbourne VIC 3001 Financial Planning Association of Australia Limited ABN Level 4, 75 Castlereagh Street Sydney NSW 2000 GPO Box 4285 Sydney NSW 2001 Tel: Fax: Member Freecall: Consumer Freecall: Fax: Dear Mr Khoury Financial Ombudsman Service Terms of Reference response to submissions The Financial Planning Association of Australia (FPA) 1 welcomes the opportunity to respond to submissions received by the Financial Ombudsman Service (FOS) on its new Terms of Reference for the merged scheme. In its response to other submissions, the FPA has also taken into account the new Regulatory Guides for dispute resolution RG 139 and RG165 and accompanying Class Orders - recently released by the Australian Securities and Investments Commission. The FPA would welcome the opportunity to discuss these issues further with the FOS. If you would like further information on the issues raised in this submission, please contact Gerard Fitzpatrick, General Manager, Policy and Government Relations ( ; or myself ( ; Yours faithfully Deen Sanders Deputy CEO General Manager Professionalism 1 The FPA is the peak professional organisation for the financial planning sector in Australia. With approximately 12,000 members organised through a network of 31 Chapters across Australia, the FPA represents qualified financial planners who manage the financial affairs of over five million Australians with a collective investment value of more than $630 billion. New South Wales / ACT GPO Box 4285 Sydney NSW 2001 Ph: Fax: Queensland 433 Logan Rd Stones Corner Qld 4120 Ph: Fax: NT / SA / Tas / WA Suite 20, Carrington House Carrington St Adelaide SA 5000 Ph: Fax: Victoria PO Box 109, Collins St West Melbourne Vic 8007 Ph: Fax:

2 Terms of Reference response to submissions Submitted to the Financial Ombudsman Service 28 May 2009

3 1. Introduction The Financial Planning Association of Australia (FPA) is the peak professional organisation for the financial planning sector in Australia. With approximately 12,000 members organised through a network of 31 Chapters across Australia, the FPA represents qualified financial planners who manage the financial affairs of over five million Australians with a collective investment value of more than $630 billion. While the FPA reviewed a large number of submission, our comments respond to the recommendations made in the following submissions: Consumer Action Law Centre Joint consumer submission Insurance Council of Australia Melbourne Compliance Managers Forum 2. Consumer Action Law Centre Joint consumer submission Understandably, concerns raised and examples provided in the submission from the consumer advocates all relate to either credit or general insurance, with no concerns raised about advice. However, the consumer advocates recommend changes to the draft Terms of Reference applicable to all FOS members, with no consideration given to the practicality and implications of their changes on areas outside their stated areas of concern. This position goes to the heart of our concerns about the need for differentiated application of rules for difference sectors covered by FOS. A position also supported by ASIC. ASIC states in its new Regulatory Guide (RG ): The application of these guidelines will nevertheless recognise legitimate differences between industries or between schemes. We believe that a consistent approach to regulation does not necessarily imply identical standards in all cases. The following consumer advocate recommendations cannot practically apply to advice and pose significant and unwarranted implications for planners. 2.1 Disputes to be lodged by phone Consumer advocates have called for FOS to accept complaints to be lodged by phone, citing the Energy and Water Ombudsman statistics for justification. While lodging a complaint by phone for an electricity outage, or disputes relating to bank transactions or insurance policies, may be a simple process, it is not practical to accept advice disputes by using the same medium. Advice disputes are often complex and subjective and open to interpretation by parties to the dispute and the FOS call centre operator. Advice disputes also require significant documented evidence to consider, even to determine whether the dispute falls within the jurisdiction of the Service. The FPA recommends FOS does not permit disputes to be lodged by phone. Should FOS accept the consumer advocates proposal, the FPA recommends advice disputes be excluded from the provision. 2.2 Forum of first choice Consumer advocates have called for the inclusion of a new provision - "FOS aspires to be forum of first choice for the majority of consumer complaints relating to financial services". If a forum of first choice principle were adopted, the FOS jurisdiction would need to be open to any and all claims from any and all consumers, including claims that would be better dealt with under an alternative jurisdiction. FOS does not have a role and it should not seek to limit the legal remedies available to Service participants. An EDR scheme cannot and should not stop access by either party to legal remedies in the marketplace. 1/7

4 The new dispute resolution regulatory guide states: An approved EDR scheme does not have to deal with all complaints that a retail client may make about a particular financial service or the conduct of a financial service provider. (RG ) The role of External Dispute Resolution (EDR) is to provide a cost effective mechanism to address small claims, not to replace the role of other jurisdictions. EDR must be fair and affordable. The FPA considers this proposal to be unsustainable and running counter to the EDR principles described in ASIC s new RG139 (see table below) and the role of an EDR scheme. In particular, the FPA questions the adherence to the principles of fairness and efficiency if FOS were to aspire to be a forum of first choice. Accessibility Independence Fairness The scheme makes itself readily available to customers by promoting knowledge of its existence, being easy to use and having no cost barriers. The decision-making process and administration of the scheme are independent from scheme members. The scheme produces decisions which are fair and seen to be fair by observing the principles of procedural fairness, by making decisions on the information before it and by having specific criteria upon which its decisions are based. Accountability Efficiency Effectiveness The scheme publicly accounts for its operations by publishing its determinations and information about complaints and highlighting any systemic industry problems. The scheme operates efficiently by keeping track of complaints, ensuring complaints are dealt with by the appropriate process or forum and regularly reviewing its performance. The scheme is effective by having appropriate and comprehensive terms of reference and periodic independent reviews of its performance. Source: Regulatory Guide 139, Attachment 1: DIST Benchmarks, page 36 The FPA recommends FOS adhere to the principles required under RG139 and not adopt the forum of first choice proposal. 2.3 Monetary limits increase On page 6 of the submission, consumer advocates claim that professional indemnity implications are not a valid reason not to increase to compensation limits to $500,000. However, the current regulatory requirements for consumer compensation in Australia have professional indemnity insurance at its foundation. We have consistently supported better consumer compensation but the FPA questions how a consumer compensation claim will be paid if professional indemnity insurance is not available. The lack of appropriate insurance will have a detrimental impact on consumers as it will reduce their capacity to access compensation, as well as reducing the number of advisers in the market and therefore the availability of advice for consumers. It is unconscionable that an EDR scheme should require something that is not available in the marketplace. As stated in previous submissions to FOS, the FPA strongly believes that monetary limits (at any level) must be sustainable within the broader consumer compensation system underpinned by professional indemnity insurance. The FPA considers that any increases to FOS monetary limits should be set on a firm, justifiable and measurable basis with a methodology transparent to both consumers and providers and specifically not linked to market events. The FPA would like to reiterate the Insurance Council of Australia s statement that ILIS disputes should remain at $150,000 because of professional indemnity implications. 2/7

5 The FPA strongly recommends that FOS must guarantee the availability of appropriate and affordable professional indemnity insurance for all participants of the scheme prior to any increase in the monetary limits. This responsibility should be included in the FOS Terms of Reference. the compensation limit is not increased to $500,000 as requested by consumer advocates. 2.4 Disputes about fees and charges Consumer advocates have proposed FOS consider allowing the following disputes about fees and charges within the EDR jurisdiction: a fee is in excess to that which is allowed in the contract between the consumer and the FSP; a fee that is imposed is unconscionable (ie, under section 72 of the UCCC or pursuant to Part 2B of the Fair Trading Act 1999 (Vic) a fee is excessive and is considered to be a penalty at law; a fee is unfair. While consumers' concerns relate to credit, the harmonised Terms of Reference would require that these provisions apply across the FOS membership. Determining the appropriateness of planning fees is very subjective as a client is paying for professional expertise and knowledge, rather than a transaction service as in credit. Advice services also vary depending on the need of each client, the complexity of the advice, and fees are determined accordingly. The FPA considers it would be inappropriate for FOS to assess planning fees. It would be an encroachment into potential market manipulation should the Service take on the setting of fees for the industry. Should FOS adopt the consumer advocates recommendation to include complaints about the appropriateness of fees and charges, the FPA strongly recommends it be limited to credit and/or exclude investment and financial advice. 2.5 Ombudsman versus Panel decision model Consumer advocates have proposed criteria for a matter to be determined by a Panel (rather than a single Ombudsman). While the FPA supports the intent of this proposal, we would emphasis the need for, and our commitment to, a conciliatory and consultative approach to the Recommendation stage of the EDR process, prior to a dispute being referred to a Panel for Determination. As detailed in our previous submissions to the Terms of Reference consultation, there are a variety of industry practices that are acceptable ways of fulfilling financial planning objectives, resulting in significant variability in how good and appropriate financial advice is provided to consumers. This variability and the diverse and in-depth nature of financial advice can result in very complex disputes that may turn on subjective judgements. The FPA suggests a panel of appropriate and diverse expertise is required to effectively consider and make decisions on financial planning disputes. The FPA considers the Ombudsman model, where one individual is responsible for decision making, is insufficient for determining financial planning disputes. Such disputes should always be determined by a Panel. Only advice disputes with a low maximum monetary threshold should be referred to Ombudsman over a Panel (such as the Adjudicator system in previous FICS Rules). 3/7

6 The FPA notes that consumer advocates have asked for disputes above $50,000 to be referred to a Panel. As planning disputes are complex, variable, and subjective, irrelevant of the amount of the claim, the FPA does not support a monetary benchmark to be reached for to a dispute to be able to be considered by a Panel instead of an Ombudsman. All financial planning disputes should be considered by a Panel, not a single Ombudsman. The FPA recommends that any criteria developed for disputes to be determined by a Panel, explicitly include investment and financial advice disputes, irrelevant of the amount of the claim. 2.6 Informing consumers about FOS Consumer advocates have requested the inclusion of provisions to require FSPs to inform consumers about the existence of FOS, their right to refer the matter to EDR through FOS, and contact details for the Service, when advising clients of the IDR decision. In addition, consumer advocates have specified the wording FSPs should be mandated to use to inform consumers about the EDR Sheme. The new RG139 includes the following requirements: Scheme members must advise consumers and investors of their right to take their complaint to an EDR scheme if they are not able to provide a final response to a complaint at IDR within 45 days (see RG 165). (RG139.42) Similar requirements were also contained in the previous RG139 (RG139.91). In addition, AFS licensees and Authorised Representatives must include details of their EDR scheme membership in the Financial Services Guide provided to clients, as required under s942b(2)(h) and 942C(2)(i) of the Corporations Act, respectively (also stated in RG ). The Act and RG139 already place significant requirements on FSPs to inform consumers about EDR. The FPA supports the recommendation to inform consumers of the existence of FOS with contact details for the Service, at the time of providing an IDR decision. However, the FPA does not support mandating the wording to be used by FSPs to inform clients about FOS. 2.7 Fraud referee The FPA acknowledges consumer advocates recommendation to apply the role of the current general insurance Fraud Referee to all appropriate disputes across all FOS divisions. The FPA offers in principle support for this idea but has found it difficult to ascertain how and when the Fraud Referee fits into the FOS process, the matters it would consider, and how fraud claims would be determined. The FPA is also concerned about the appointment of an appropriate fraud expert to consider such matters, as the Fraud Referee selection criteria detailed in the Insurance Ombudsman Service (IOS) Terms of Reference are very broad and do not specifically relate to fraud matters. As fraud is illegal, the FPA also considers it important to understand how FOS and the Fraud Referee would interact with law enforcement officials should fraudulent activity be identified. It is also currently unclear as to whether the Fraud Referee is treated as a running cost of the Service, as Panel members, Ombudsman, and Adjudicators are considered; or whether the Fraud Referee is considered an external expert and therefore an FSP would incur additional costs as a result. The FPA recommends FOS provide clarity around the Fraud Referee prior to making a decision on its Terms of Reference. Should the jurisdiction of the Fraud Referee be expanded to all FOS disputes, it should be part of the running costs of the Service with transparent processes commencing at the investigation of the complaint (not following a Determination) and equitable access for both complainants and FSPs. 4/7

7 2.8 Legal proceedings Section of the consumer advocates submission recommends:.fsp should, within 21 days of having commenced legal proceedings, be required to advise consumers of the option to access FOS The FPA considers it entirely inappropriate and unfair to require FSPs to notify consumers of an option to access FOS after legal proceedings have commenced as: a) the FSP is already required to notify the consumer about their option to access FOS in the FSG and at the time of providing an IDR decision; b) the decision to pursue legal action would only have arisen after FOS avenues have been considered; c) FOS does not have a role and it should not seek to limit the legal remedies available to Service participants; and d) the FSP would have already incurred legal and other costs to commence legal proceedings. The FPA is also concerned that the reasoning and examples provided for this recommendation relate solely to credit, yet the implications for the proposed provisions would stem the breadth of the FOS membership. The decision for a financial planner to pursue a client through a court is not taken lightly as this would significantly alter the foundation of the client/planner relationship. The FPA is also unsure of the intent underlying the consumer s proposal as 5.1(k) of the proposed Terms of Reference excludes disputes in relation to which either party commenced legal proceedings before the dispute was lodged with FOS. Such an exclusion is fundamental for natural justice - an EDR scheme cannot and should not stop access by either party to legal remedies in the marketplace. The FPA suggests being required to again notify a consumer of FOS after legal proceedings have commenced would create confusion for the consumer as the dispute would be excluded from the Service under 5.1(k). The FPA recommends FOS not adopt the proposal to require notification of a consumers ability to access FOS within 21 days after legal proceedings have commenced. 2.9 Excluding and referring disputes to other jurisdictions Consumer advocates propose that a dispute must be "fully considered" to ensure there are not issues within the dispute FOS can consider, prior to referring disputes to another jurisdiction; and that FOS must ensure the alternative jurisdiction will "consider the dispute in its entirety". The FPA considers the introduction of the Jurisdiction Decision and the exclusion provisions in the proposed Terms of Reference appropriately and sufficiently enable FOS to determine whether a dispute would be more appropriately considered by an alternative jurisdiction. These provisions set clear perimeters for the FOS jurisdiction. The additional requirements consumer advocates propose to place on FOS would be burdensome, create uncertainty, and unconstitutionally seek to limit participants legal remedies. The FPA does not support the consumer advocate proposal as it would significantly and inappropriately increase costs for FSPs should FOS be required to fully consider a dispute to determine whether it falls within the jurisdiction of the Service. This would equate to a dispute progressing through the FOS dispute resolution process, only to be referred to an alternative jurisdiction rather than to a FOS Panel for Determination. The FSP would incur the cost for the dispute to be considered by both FOS and the alternative jurisdiction. Due to the complexity and subjectivity of advice disputes, the FPA believes financial planners would be more likely to be affected by the inclusion of such provisions. 5/7

8 The FPA recommends the consumer advocate proposal (3.1.1) that a dispute must be "fully considered" by FOS prior to referring dispute to another jurisdiction, and that FOS must ensure the alternative jurisdiction will "consider the dispute in its entirety", not be adopted Frivolous and vexatious claims The FPA is concerned by the consumer advocates proposal to remove "or lacking in substance" from provision 5.2(e) of the Terms of Reference. The inclusion of this statement in provision 5.2(e) enables FOS to exclude a dispute that lacks evidence, which is a fundamental requirement under the principle of natural justice. The removal of this wording from 5.2(e) would enable unsubstantiated claims to be made which, because of the costs incurred by the FSP, could prove uneconomical for the FSP to defend. FOS must be fair in its treatment of claimants and FSPs. This provision is from FICS Rules and its removal would dilute the already loose clauses for vexatious and frivolous claims. The FPA also considers provision 5.2(e) should be mandatory, not discretionary, as recommended in the submission by the Insurance Council of Australia. The FPA recommends provision 5.2(e) include "or lacking in substance", be moved to section 5.1 Mandatory exclusions, and that FOS consider developing guidelines for determining vexatious and frivolous claims Requirement to provide or procure information Provision 7.2 of the Terms of Reference requires a party to a dispute to provide or procure any information that FOS considers necessary. Consumer advocates have suggested the removal of the requirement to procure information. The FPA considers it a fundamental requirement that FOS should have access to all relevant information to appropriately consider a dispute. As such, it is appropriate to require either party to the dispute to source information from third parties. The FPA recommends provision 7.2 of the proposed ToR remains unchanged and include the requirement of a party to a dispute to provide or procure any information that FOS considers necessary Test Case Consumer advocates have called for the FOS Terms of Reference to permit Consumers Federation of Australia and CHOICE to treat a dispute as a test case on behalf of consumers. The FPA considers it should be a responsibility of the party requesting the test case to pay for the expense incurred. The FPA recommends that, should FOS agree to include in its Terms of Reference the ability for the Consumers Federation of Australia and CHOICE to treat a dispute as a test case on behalf of consumers, reciprocal provisions under 10.1(b) in the proposed ToR be included for cases instigated by consumer advocates to ensure the party instigating the test case pays for the costs incurred Systemic issues Consumer advocates have called for FOS to provide systemic and serious misconduct reports naming the FSP to members of ASIC s Consumer Advisory Panel or the Consumers Federation of Australia. The FPA questions to the intent of providing such information and the potential for reputational damage to the FSP. ASIC and industry bodies have legal and professional obligations (respectively) by which FSPs must adhere or face compliance action by the Regulator and/or professional association. Neither ASIC s Consumer Advisory Panel nor the Consumers Federation of Australia have an industry or regulatory mandate to fulfil such a role and therefore the FPA considers it completely inappropriate for non-public FOS reports to be provided to consumer advocates. 6/7

9 The FPA recommends ASIC s Advisory Panel or the Consumers Federation of Australia are not given access to non-public FOS reports it is required to provide to ASIC and industry bodies. 3. Other submissions 3.1 Consequential loss As stated in the Insurance Council of Australia submission, insurance policies generally exclude cover for consequential loss. Professional indemnity insurance policies do not offer cover for consequential loss. If professional indemnity insurance is not available to pay consequential loss, the FPA questions how FOS can include it in the Terms of Reference. The FPA supports the Insurance Council s recommendation that FOS should not be permitted to award consequential loss to complainants. 3.2 Defamation claims D.J Carmichael Pty Limited suggests the FOS provision 13.3 restricts the ability of an FSP to file a defamation claim for information provided / comments made by complainant to media and other parties. The FPA consider the defamation restriction as states in the provision applies only in relation to comments made and information provide to FOS and not other party. For clarity, the FPA recommends explicitly stating in either the guidelines or commentary that provision 13.3 is not intended to restrict any parties of the dispute from pursuing a defamation claim against another party to the dispute for comments made to media and other parties external to the dispute, other than FOS. 3.3 FOS fee structure and members costs Both the Insurance Council of Australia and the Financial Industry Council of Australia submissions raised concerns about the lack of detail provided to date about the fee structure FOS will be using and the cost of the Service to FSPs. The FPA supports recommendations made in submissions by other FOS stakeholders that FOS should release its fee structure and costs to members prior to finalising its Terms of Reference. 3.4 Privacy and confidentiality complaints The FPA supports the Insurance Council s concern that the monetary limits and omission of a cap on the award of compensation for loss or damage in the FOS remedies, would lead to consumers choosing FOS over the more appropriate specialised jurisdiction for privacy disputes, namely the Office of the Privacy Commissioner The FPA recommends FOS refer all privacy and confidentiality disputes to the Office of the Privacy Commissioner. 7/7

The General Manager Business Tax Division The Treasury Langton Crescent PARKES ACT 2600. Dear Sir/Madam. Tax Agent Services Bill

The General Manager Business Tax Division The Treasury Langton Crescent PARKES ACT 2600. Dear Sir/Madam. Tax Agent Services Bill The General Manager Business Tax Division The Treasury Langton Crescent PARKES ACT 2600 Financial Planning Association of Australia Limited ABN 62 054 174 453 Level 4, 75 Castlereagh Street Sydney NSW

More information

Financial Ombudsman Service Terms of Reference Submission to the Financial Ombudsman Service

Financial Ombudsman Service Terms of Reference Submission to the Financial Ombudsman Service Financial Ombudsman Service Terms of Reference Submission to the Financial Ombudsman Service Financial Planning Association of Australia October 2008 TABLE OF CONTENTS Page Introduction 3 1. Summary of

More information

Submission by AFA Pty Ltd on the development of new Terms of Reference for the Financial Ombudsman Service

Submission by AFA Pty Ltd on the development of new Terms of Reference for the Financial Ombudsman Service Submission by AFA Pty Ltd on the development of new Terms of Reference for the Financial Ombudsman Service Preamble AFA Pty Ltd does not operate as an insurer in its own right, but offers its products

More information

SUBMISSION ON FINANCIAL OMBUDSMAN SERVICE LIMITED (FOS) PROPOSED CHANGES TO THE TERMS OF REFERENCE (TOR)

SUBMISSION ON FINANCIAL OMBUDSMAN SERVICE LIMITED (FOS) PROPOSED CHANGES TO THE TERMS OF REFERENCE (TOR) NATIONAL INSURANCE BROKERS ASSOCIATION OF AUSTRALIA (NIBA) SUBMISSION ON FINANCIAL OMBUDSMAN SERVICE LIMITED (FOS) PROPOSED CHANGES TO THE TERMS OF REFERENCE (TOR) ABOUT NIBA NIBA is the voice of the insurance

More information

FINANCIAL SERVICES GUIDE PART 1

FINANCIAL SERVICES GUIDE PART 1 FINANCIAL SERVICES GUIDE PART 1 9 NOVEMBER 2015 This Financial Services Guide has been authorised for distribution by the authorising licensee: Magnitude Group Pty Ltd ( Magnitude ) ABN 54 086 266 202

More information

LTTTM and its nominated representatives are authorised under WPEX S AFSL to:

LTTTM and its nominated representatives are authorised under WPEX S AFSL to: Financial Services Guide This Financial Services Guide ( FSG ) dated 28 January 2016 is provided to you by Learn To Trade The Market Pty Ltd (ABN 68 137 007 062) ( LTTTM, we, our, us ) to inform you of

More information

15 April 2014. Mr Ian Taylor Chair Tax Practitioners Board PO Box 126 Hurstville BC NSW 1481. Email: tpbsubmissions@tpb.gov.au.

15 April 2014. Mr Ian Taylor Chair Tax Practitioners Board PO Box 126 Hurstville BC NSW 1481. Email: tpbsubmissions@tpb.gov.au. 15 April 2014 Mr Ian Taylor Chair Tax Practitioners Board PO Box 126 Hurstville BC NSW 1481 Email: tpbsubmissions@tpb.gov.au Dear Mr Taylor Re. Exposure Draft tax (financial) adviser policy documents The

More information

Financial Planning 1 July 2014

Financial Planning 1 July 2014 Financial Planning 1 July 2014 Financial Services Guide Equip Financial Planning 1800 065 753 www.equipsuper.com.au Financial Services Guide Find out how to achieve financial freedom This Financial Services

More information

Perks Wealth Management Financial Services Guide

Perks Wealth Management Financial Services Guide Perks Wealth Management Financial Services Guide ABN 88 086 643 085 Australian Financial Services Licence No. 236 551 Version 16 Page 1 Before you decide to proceed with any of our services, we believe

More information

Financial Services Guide Part 1

Financial Services Guide Part 1 Financial Services Guide Part 1 Version 12, 30 JUNE 2014 This Financial Services Guide ( FSG ) has been authorised for distribution by the authorising licensee: Magnitude Group Pty Ltd ( Magnitude ) ABN

More information

ISSUES PAPER LEGAL REPRESENTATION AND JURISDICTIONAL LIMIT IN SMALL CLAIMS

ISSUES PAPER LEGAL REPRESENTATION AND JURISDICTIONAL LIMIT IN SMALL CLAIMS DEPARTMENT OF THE ATTORNEY-GENERAL AND JUSTICE ISSUES PAPER LEGAL REPRESENTATION AND JURISDICTIONAL LIMIT IN SMALL CLAIMS June 2013 Legal Policy Division Department of the Attorney-General and Justice

More information

ASIC CONSULTATION PAPER 146

ASIC CONSULTATION PAPER 146 ASIC CONSULTATION PAPER 146 This submission is made in response to ASIC s Consultation Paper 146: Over-the- Counter Contracts For Difference: Improving disclosure for retail investors ( CP146 ). The submission

More information

OANDA Australia Pty Ltd

OANDA Australia Pty Ltd OANDA Australia Pty Ltd Australian Financial Services Licence No. 412981 ACN 152 088 349 FINANCIAL SERVICES GUIDE (FSG) PURPOSE AND CONTENT OF THIS FSG The financial services referred to in this Financial

More information

Financial ServiceS Guide

Financial ServiceS Guide Financial ServiceS Guide Your Service Provider is: Graham Financial Pty Ltd ABN 40 099 693 606 Australian Financial Services Licence Number: 327520 Membership: Financial Planning Association Pty Ltd Boutique

More information

Thank you for your invitation to provide a submission to this Inquiry, and to attend the roundtable public hearing on 10 August 2007.

Thank you for your invitation to provide a submission to this Inquiry, and to attend the roundtable public hearing on 10 August 2007. SUBMISSION 15 GPO Box 9827 in your Capital City 30 July 2007 Mr Andrew McGowan Inquiry Secretary House of Representatives Standing Committee on Economics, Finance and Public Administration by email to:

More information

Financial Services Guide

Financial Services Guide The combined Financial Services Guide of HiFX Limited and HiFX Australia Pty Ltd A Guide To Our Relationship With You And Others This Financial Services Guide (FSG) is issued by: HiFX Limited (HiFX) ARBN

More information

financial services guide ipac financial planning

financial services guide ipac financial planning financial services guide ipac financial planning The financial services guide (FSG) helps you to understand who ipac securities limited (ipac) ABN 30 008 587 595 Australian Financial Services Licence No.

More information

Inquiry into impairment of loans

Inquiry into impairment of loans Inquiry into impairment of loans FOS submission September 2015 CONTENTS 1. Overview 3 2. FOS dispute resolution process 3 2.1 Overview of process 4 2.2 Approaches to specific matters 4 2.2.1 FOS approach

More information

Banking & Finance Terms of Reference

Banking & Finance Terms of Reference Banking & Finance Terms of Reference These Terms of Reference apply to those members of the Financial Ombudsman Service Limited who have been designated as having the Banking & Finance Terms of Reference

More information

Financial Services Guide

Financial Services Guide Financial Guide Professional A member of The purpose of this Financial Guide (FSG) is to help you make an informed decision about the services we offer and whether they are suited appropriately to meet

More information

Financial Services Guide (FSG)

Financial Services Guide (FSG) $ FINANCIAL SERVICES GROUP mybroker Financial Services Group (ASIC No. 434770) Financial Services Guide (FSG) Version November 2012 www.mybrokerservices.com.au mybroker Financial Services Group FSG The

More information

Approved Products List

Approved Products List Financial Services Guide (FSG) of Liddell & Ko Pty Ltd atf StirlingTrust and Highgate Trust (Authorised Representative No: 343754 Version March 2014 1.8 (Issued 12 March 2014) This document must be accompanied

More information

Financial Services Guide. Bank of Melbourne Financial Planning

Financial Services Guide. Bank of Melbourne Financial Planning Financial Services Guide Bank of Melbourne Financial Planning Authorised for distribution by: Westpac Banking Corporation (Westpac) ABN 33 007 457 141 Australian Financial Services Licence No. 233714 Australian

More information

Trading Floor Online Pty Ltd. Financial Services Guide

Trading Floor Online Pty Ltd. Financial Services Guide Trading Floor Online Pty Ltd Financial Services Guide This FSG was prepared on 9 th April 2015 Suite 2a, Ground Level, 52 Davenport Street, Southport, QLD 4215 PO Box 599, Southport BC, QLD, 4215 P. +

More information

FPA Level 4, 75 Castlereagh Street Sydney NSW 2000 www.fpa.asn.au Date: 09.07.2014

FPA Level 4, 75 Castlereagh Street Sydney NSW 2000 www.fpa.asn.au Date: 09.07.2014 FPA Level 4, 75 Castlereagh Street Sydney NSW 2000 www.fpa.asn.au Date: 09.07.2014 9 July 2014 General Manager Tax System Division The Treasury Langton Crescent PARKES ACT 2600 Email: taxagentservices@treasury.gov.au

More information

St.George Financial Planning. Financial Services Guide

St.George Financial Planning. Financial Services Guide St.George Financial Planning Financial Services Guide Issue date: 1 July 2013 Authorised for distribution by: Westpac Banking Corporation (Westpac) ABN 33 007 457 141 Australian Financial Services Licence

More information

Dodo Power & Gas Complaint Management Policy

Dodo Power & Gas Complaint Management Policy DODO POWER & GAS PTY LTD Dodo Power & Gas Complaint Management Policy Jurisdiction: All 2013 Policy Reference ref DPG 100-004 Version: 1.2 Author: Status Andrew Mair Draft Publication Date 7/06/2013 Location:

More information

Financial Services Guide

Financial Services Guide version 1 issued 17 february 2016 Financial Services Guide Morgan Stanley Wealth Management Australia Pty Ltd ABN 19 009 145 555 AFSL 240813 Level 26 Chifley Tower, 2 Chifley Square, Sydney NSW 2000 This

More information

Credit Guide. ABOUT US ( we, us, our ): Credit Representative Credit Representative Number 395690 Mr James Andrew Staples

Credit Guide. ABOUT US ( we, us, our ): Credit Representative Credit Representative Number 395690 Mr James Andrew Staples Credit Guide ABOUT US ( we, us, our ): Credit Representative Credit Representative Number 395690 Mr James Andrew Staples Address: 10 Claridge Close Mount Sheridan Queensland 4868 Tel: 0412 143 106 Email:

More information

INQUIRY INTO COLLAPSES IN THE FINANCIAL SERVICES INDUSTRY SUBMISSION BY FINANCIAL OMBUDSMAN SERVICE ( FOS )

INQUIRY INTO COLLAPSES IN THE FINANCIAL SERVICES INDUSTRY SUBMISSION BY FINANCIAL OMBUDSMAN SERVICE ( FOS ) INQUIRY INTO COLLAPSES IN THE FINANCIAL SERVICES INDUSTRY SUBMISSION BY FINANCIAL OMBUDSMAN SERVICE ( FOS ) Introduction This is the submission by FOS to the Inquiry by the Parliamentary Joint Committee

More information

Suncorp Financial Services

Suncorp Financial Services Suncorp Financial Services Financial Services Guide A guide to our relationship with you and others Prepared: 22 July 2015 Effective 24 August 2015 Important Information about this document This document

More information

COMPLAINT HANDLING POLICY

COMPLAINT HANDLING POLICY COMPLAINT HANDLING POLICY September 2012 Page 1 of 11 VERSION HISTORY RECORD OF CHANGES 15/05/02 Document Created 23/07/03 Updated on establishment of business 12/12/05 Review of Policy 04/06/09 Review

More information

FINANCIAL SERVICES GUIDE (FSG)

FINANCIAL SERVICES GUIDE (FSG) Austbrokers Financial Solutions (SYD) Pty Ltd ABN 94 003 277 852 T/as Taggart Nominees Authorised Representative No: 415837 Norwest Central 607/12 Century Circuit Norwest Business Park Baulkham Hills NSW

More information

Insurance Broking Terms of Reference

Insurance Broking Terms of Reference Insurance Broking Terms of Reference Effective 1 January 2009 These terms of reference apply to those members of the Financial Ombudsman Service Limited who have been designated as having the Insurance

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE Last updated: 19 th August 2015 Issued by: OzFinancial Pty Ltd ABN: 85 106 823 741 Australian Financial Services Licence Number: 241041 OzFinancial Australia Pty Ltd (OzFinancial

More information

Building Indemnity Insurance - South Australia Policy Wording

Building Indemnity Insurance - South Australia Policy Wording Building Indemnity Insurance - South Australia Policy Wording CBW BII SA 1213 Effective Date 01 December 2013 Welcome to the financial security provided by Calliden Building Indemnity Insurance - South

More information

Financial Planning 1 July 2014

Financial Planning 1 July 2014 Financial Planning 1 July 2014 Privacy Statement Equip Financial Planning 1800 065 753 www.equipsuper.com.au Privacy Statement Equip Financial Planning provides financial advice to clients and holds personal,

More information

Contact Details Clients who wish to contact or correspond with Superforex Financial may use the following details:

Contact Details Clients who wish to contact or correspond with Superforex Financial may use the following details: Combined Financial Services Guide and Product Disclosure Statement Financial Services Guide Issue Date: 10 February 2014 This Financial Services Guide ( FSG ) is designed to provide you with important

More information

GENERAL INSURANCE CODE OF PRACTICE. Level 3, 56 Pitt Street, Sydney NSW 2000 t 02 9253 5100 f 02 9253 5111 www.insurancecouncil.com.

GENERAL INSURANCE CODE OF PRACTICE. Level 3, 56 Pitt Street, Sydney NSW 2000 t 02 9253 5100 f 02 9253 5111 www.insurancecouncil.com. GENERAL INSURANCE CODE OF PRACTICE Level 3, 56 Pitt Street, Sydney NSW 2000 t 02 9253 5100 f 02 9253 5111 www.insurancecouncil.com.au FOREWORD The current Code of Practice was last revised in February

More information

Compensation and insurance arrangements for AFS licensees

Compensation and insurance arrangements for AFS licensees REGULATORY GUIDE 126 Compensation and insurance arrangements for AFS licensees March 2008 About this guide This guide is for Australian financial services (AFS) licensees and representatives, their advisers

More information

ACCC/ASIC 'Debt collection guideline for collectors and creditors' publication review

ACCC/ASIC 'Debt collection guideline for collectors and creditors' publication review 1 November 2012 Mr Richard Weksler Assistant Director Compliance Strategies Branch Australian Competition & Consumer Commission Level 35 360 Elizabeth Street MELBOURNE VIC 3000 By email: richard.weksler@accc.gov.au

More information

Daltrak Building Services Pty Ltd ABN: 44 069 781 933. Privacy Policy Manual

Daltrak Building Services Pty Ltd ABN: 44 069 781 933. Privacy Policy Manual Daltrak Building Services Pty Ltd ABN: 44 069 781 933 Privacy Policy Manual Table Of Contents 1. Introduction Page 2 2. Australian Privacy Principles (APP s) Page 3 3. Kinds Of Personal Information That

More information

Submission to the Essential Services Commission. Modernising Victoria s Energy Licence Framework Issues Paper

Submission to the Essential Services Commission. Modernising Victoria s Energy Licence Framework Issues Paper Submission to the Essential Services Commission Modernising Victoria s Energy Licence Framework Issues Paper Executive Summary Clean Energy Council (CEC) welcomes the review of Victoria s regulatory framework

More information

The documents you will receive from us. About our Licensee

The documents you will receive from us. About our Licensee C.A.G Wealth Management Pty Ltd Level 5, 530 Collins Street MELBOURNE VIC 3000 PO Box 453 Collins Street West MELBOURNE VIC 8007 P: +613 9605 0001 F: +613 9605 0002 E: admin@cagwm.com.au W: www.cagwm.com.au

More information

Issued by: OzFinancial Pty Ltd ABN: 85 106 823 741 Australian Financial Services Licence Number: 241041

Issued by: OzFinancial Pty Ltd ABN: 85 106 823 741 Australian Financial Services Licence Number: 241041 Last Updated 19 th August 2015 Issued by: OzFinancial Pty Ltd ABN: 85 106 823 741 Australian Financial Services Licence Number: 241041 TradersCircle Pty Ltd (TradersCircle) is an Authorised Representative

More information

Draft Australian Privacy Principles (APP) Guidelines first tranche

Draft Australian Privacy Principles (APP) Guidelines first tranche The Association of Superannuation Funds of Australia Limited ABN 29 002 786 290 ASFA Secretariat PO Box 1485, Sydney NSW 2001 p: 02 9264 9300 (1800 812 798 outside Sydney) f: 1300 926 484 w: www.superannuation.asn.au

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Issued: 1 November 2013 In this Financial Services Guide (FSG), we, our, us or AEGON means AEGON Direct & Affinity Marketing Services Australia Pty Ltd (ABN 35 082 524 785) with

More information

How does Barnes collect and hold personal information?

How does Barnes collect and hold personal information? Barnes Mortgage Management Pty Ltd ACN 061 590 341 Australian Credit Licence 384 156 Ground Floor, 132 Lutwyche Road (Corner Nicholas Street), Windsor, QLD, 4030 Tel: 07 3622 2400 Fax: 07 3357 9436 Privacy

More information

MOTOR FINANCE GAP PROTECTION POLICY

MOTOR FINANCE GAP PROTECTION POLICY MOTOR FINANCE GAP PROTECTION POLICY Product Disclosure Statement and Policy Wording Version No. 2.0 Effective Date: 3 November 2011 Issued by Chubb Insurance Company of Australia ABN 69 003 710 647, ASFL

More information

How to choose a financial planner

How to choose a financial planner How to choose a financial planner And get the most out of the relationship Page 1 Choosing a financial planner can often seem the hardest step in getting professional financial advice. Consumer research

More information

Financial Services Guide

Financial Services Guide Financial Services Guide You have the right to ask us about our charges, the type of advice we will give you, and what you can do if you have a complaint about our services. Important information is presented

More information

RIM SECURITIES LIMITED FINANCIAL SERVICES GUIDE ABN 86 111 273 048 AFS Licence No. 283119

RIM SECURITIES LIMITED FINANCIAL SERVICES GUIDE ABN 86 111 273 048 AFS Licence No. 283119 RIM SECURITIES LIMITED FINANCIAL SERVICES GUIDE ABN 86 111 273 048 AFS Licence No. 283119 Effective: 22 September 2014 INTRODUCTION This Financial Services Guide ( FSG ) is designed to assist you in deciding

More information

Mozo Pty Ltd ( Mozo ) Financial Services and Credit Guide. Australian Financial Services and Credit Licence No: 328141

Mozo Pty Ltd ( Mozo ) Financial Services and Credit Guide. Australian Financial Services and Credit Licence No: 328141 Mozo Pty Ltd ( Mozo ) Financial Services and Credit Guide Australian Financial Services and Credit Licence No: 328141 Date prepared: 19 May 2015 What is the purpose of this Financial Services Guide? This

More information

Financial services guide

Financial services guide Macquarie Equities Limited About this document This Financial Services Guide (Guide) is an important document that outlines the types of products and services that Macquarie Equities Limited ( MEL, we,

More information

Morony Financial Services Financial Services Guide

Morony Financial Services Financial Services Guide Morony Financial Services Financial Services Guide Version 8 Date: 01/07/2014 The documents you will receive from us About our Licensee Financial Services Guide This Financial Services Guide is designed

More information

Financial Services Guide. Westpac Financial Planning

Financial Services Guide. Westpac Financial Planning Financial Services Guide Westpac Financial Planning Table of contents 1. The value of this Financial Services Guide... 1 2. About the Westpac Group... 1 3. Financial Planning with Westpac... 1 4. What

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE Version 2.0 Dated 23 April 2014 CAPITAL 19 GLOBAL INVESTMENTS R E A L I S E T H E G R O W T H P O T E N T I A L O F I N V E S T I N G I N G L O B A L M A R K E T S 1 FINANCIAL

More information

Financial Services Guide

Financial Services Guide Financial Services Guide A Guide to Our Relationship with You and Others This guide contains important information about: who we are; the services and products we offer; the costs, remuneration and other

More information

Complaint management policy About this policy

Complaint management policy About this policy Complaint management policy About this policy This policy sets out our approach to managing complaints about our services, decisions, actions and officers. Contents A Overview... 3 Introduction... 3 Commitment...

More information

Sydney Newcastle Brisbane. Credit Guide

Sydney Newcastle Brisbane. Credit Guide Sydney Newcastle Brisbane Credit Guide Why this Guide is important to you This Guide explains the credit services we provide, as well as giving you important information that will help you decide if you

More information

HOME INDEMNITY INSURANCE - WESTERN AUSTRALIA POLICY WORDING

HOME INDEMNITY INSURANCE - WESTERN AUSTRALIA POLICY WORDING POLICY WORDING HOME INDEMNITY INSURANCE - WESTERN AUSTRALIA GLA RBUA HII WA 1115 Effective Date 01 November 2015 Welcome to the financial security provided by RBUA Home Indemnity Insurance - Western Australia

More information

INSURANCE BROKERS CODE OF PRACTICE

INSURANCE BROKERS CODE OF PRACTICE INSURANCE BROKERS CODE OF PRACTICE BUILDING PROFESSIONAL COMPETENCE AND CONSUMER CONFIDENCE The insurance broking profession is about helping you to navigate the unavoidable complexities of insurance products

More information

Run-Off Cover Scheme (ROCS) Important Information Effective from 1 October 2014

Run-Off Cover Scheme (ROCS) Important Information Effective from 1 October 2014 Run-Off Cover Scheme (ROCS) Important Information Effective from 1 October 2014 MDA National Insurance Pty Ltd ABN 56 058 271 417 AFS Licence No.238073 Introduction Section 1: Terms and Conditions of

More information

Financial Services Guide

Financial Services Guide Financial Services Guide 4 May 2015 The provider of the services described in this Financial Services Guide is SDR Future Pty Ltd ABN 45604848044 as authorised representative (1007828) of Capital 19 Pty

More information

Professional Indemnity Proposal Form. for. Financial Planners

Professional Indemnity Proposal Form. for. Financial Planners Professional Indemnity Proposal Form for Financial Planners Address: 5/3352 Pacific Highway Postal: PO Box 976 Springwood QLD 4127 Springwood QLD 4127 Phone: 07 3387 2800 Fax: 07 3208 2200 Email: pidirect@pidirect.com.au

More information

Financial Services Guide

Financial Services Guide Financial Services Guide 9 th July 2014 The provider of the services described in this Financial Services Guide is Sharelord Investor Pty Ltd ABN 36 162 669 883 as authorised representative (437618) of

More information

Fenix FX Markets Financial Services Guide (FSG) 28 th September 2015

Fenix FX Markets Financial Services Guide (FSG) 28 th September 2015 Fenix FX Markets Financial Services Guide (FSG) 28 th September 2015 Issued by Finsa Pty Limited (ACN 158065635) trading as Fenix FX Markets under Australian Financial Services Licence no. 422661. 1. INTRODUCTION

More information

ASR australian share registry

ASR australian share registry 1. About this document This Financial Services Guide (FSG) is an important document. You should read it carefully and make sure you understand it. This FSG is dated 30 th March 2015 and is provided to

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Version 8 Date: 20 th October 2015 The documents you will receive from us Financial Services Guide This Financial Services Guide is designed to clarify who we are and what we do,

More information

Complaint Management and Dispute Resolution Policy- Red Energy

Complaint Management and Dispute Resolution Policy- Red Energy Complaint Management and Dispute Resolution Policy- Red Energy 1. Overview Red Energy is committed to providing a clear, effective and open Complaint Management Process for its customers and staff. Ideally,

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Version 8 Date: 1 July 2014 The documents you will receive from us About our Licensee Financial Services Guide This Financial Services Guide is designed to clarify who we are and

More information

9. INVESTIGATING ACCOUNTANT S REPORT

9. INVESTIGATING ACCOUNTANT S REPORT 9. INVESTIGATING ACCOUNTANT S REPORT Deloitte Corporate Finance Pty Limited ACN 003 833 127 AFSL 241457 Eclipse Tower Level 19 60 Station Street Parramatta NSW 2150 PO Box 38 Parramatta NSW 2124 Australia

More information

Home Indemnity Insurance - Western Australia Policy Wording

Home Indemnity Insurance - Western Australia Policy Wording Home Indemnity Insurance - Western Australia Policy Wording CBW HII WA 1213 Effective Date 01 December 2013 Welcome to the financial security provided by Calliden Home Indemnity Insurance - Western Australia

More information

Credit guide. What you need to know about our services and how we will work with you. Documents we may provide you with

Credit guide. What you need to know about our services and how we will work with you. Documents we may provide you with Credit guide What you need to know about our services and how we will work with you Documents we may provide you with Where we provide you with credit advice, we generally conduct a preliminary assessment

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Date of issue: 1 Jan 2015 This Financial Services Guide (FSG) is an important document. Please ensure that you read this FSG carefully. It is provided by Club Plus Financial Planning

More information

The general insurance industry in Australia

The general insurance industry in Australia 2 The general insurance industry in Australia 2.1 This chapter provides first a description of the general insurance industry in Australia. It then details the complex regulatory framework within which

More information

Financial Services Guide

Financial Services Guide Ian Henry Financial Services Office 2, 253 Hampton Street Hampton Victoria 3188 P O Box 41 Hampton Victoria 3188 Telephone: (03) 9521 0303 Fax: (03) 9521 0107 Email: ianhenry@financialservices.net.au Website:

More information

Financial Services Guide 26 June 2015

Financial Services Guide 26 June 2015 Financial Services Guide 26 June 2015 Issuer: Forex Capital Trading Pty Ltd AFSL No. 306400 and ABN 69 119 086 270 1 P a g e Purpose of this Financial Services Guide This Financial Services Guide ( FSG

More information

EFFECTIVE COMPLAINTS MANAGEMENT GUIDE TO DEVELOPING EFFECTIVE COMPLAINTS MANAGEMENT POLICIES AND PROCEDURES

EFFECTIVE COMPLAINTS MANAGEMENT GUIDE TO DEVELOPING EFFECTIVE COMPLAINTS MANAGEMENT POLICIES AND PROCEDURES EFFECTIVE COMPLAINTS MANAGEMENT GUIDE TO DEVELOPING EFFECTIVE COMPLAINTS MANAGEMENT POLICIES AND PROCEDURES DEVELOPING EFFECTIVE COMPLAINTS MANAGEMENT POLICIES AND PROCEDURES Introduction 1 Policies and

More information

The Legal Aid Commission of NSW appreciates the opportunity to make submissions to the Task Force on Industry Self- Regulation.

The Legal Aid Commission of NSW appreciates the opportunity to make submissions to the Task Force on Industry Self- Regulation. 16 December 1999 Mr D Richardson Taskforce on Industry Self-Regulation Consumer Affairs Division The Treasury Parkes Place PARKES ACT 2600 Dear Sir RE: SUBMISSION BY THE NSW LEGAL AID COMMISSION The Legal

More information

Financial Services Guide

Financial Services Guide Version 3 This Financial Services Guide was prepared and issued with the authority of Synchronised Business Services Pty Ltd, ABN: 33 007 207 650 trading as SYNCHRON Australian Financial Services Licence

More information

CREDIT REPORTING AND CREDIT RELATED PERSONAL INFORMATION POLICY

CREDIT REPORTING AND CREDIT RELATED PERSONAL INFORMATION POLICY Purpose CREDIT REPORTING AND CREDIT RELATED PERSONAL INFORMATION POLICY This is the privacy policy of Southern Steel Group Pty Limited ACN 003 067 838, Southern Steel Supplies Pty Limited ACN 000 060 131,

More information

FINANCIAL SERVICES GUIDE (FSG)

FINANCIAL SERVICES GUIDE (FSG) FINANCIAL SERVICES GUIDE (FSG) This Financial Services Guide ( FSG ) must be read in conjunction with the Authorised Representative Profile or Adviser Profile. Together these two documents form the full

More information

MISCELLANEOUS CONSULTANTS PROFESSIONAL INDEMNITY PROPOSAL FORM

MISCELLANEOUS CONSULTANTS PROFESSIONAL INDEMNITY PROPOSAL FORM MISCELLANEOUS CONSULTANTS PROFESSIONAL INDEMNITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL A. Your Duty of Disclosure Before you enter into

More information

FINANCIAL SERVICES GUIDE Your step by step guide to receiving financial planning advice

FINANCIAL SERVICES GUIDE Your step by step guide to receiving financial planning advice FINANCIAL SERVICES FINANCIAL SERVICES GUIDE Your step by step guide to receiving financial planning advice YOUR FINANCIAL FREEDOM At Catholic Financial Services, we help you achieve financial freedom.

More information

Financial Services Guide. Version 8

Financial Services Guide. Version 8 Financial Services Guide Version 8 Date: 1 July 2014 The documents you will receive from us Financial Services Guide This Financial Services Guide is designed to clarify who we are and what we do, and

More information

CGU Professional Risks Professional Indemnity Insurance

CGU Professional Risks Professional Indemnity Insurance CGU Professional Risks Professional Indemnity Insurance Summary of significant changes: Professional Indemnity Insurance Policy (CGU PI 12-12) Replacing: Professional Indemnity Insurance Policy (CGU PI

More information

Supplementary Financial Services Guide

Supplementary Financial Services Guide Supplementary Financial Services Guide Dated 27 July 2015 This Supplementary Financial Services Guide (SFSG) supplements Version. February 2015 of the Crowe Horwath Financial Advice Pty Ltd Financial Services

More information

Review into the governance, efficiency, structure and operation of Australia s superannuation system: Phase one governance

Review into the governance, efficiency, structure and operation of Australia s superannuation system: Phase one governance 19 October 2009 Mr Jeremy Cooper Chairman Super System Review GPO Box 9827 MELBOURNE VIC 3001 By email: info@supersystemreview.gov.au Dear Chairman and Commissioners Review into the governance, efficiency,

More information

KVB Kunlun Financial Services Guide

KVB Kunlun Financial Services Guide Issued By: KVB Kunlun Pty Limited Last Update: 15 January 2015 KVB Kunlun Financial Services Guide www.kvbkunlun.com 1 FINANCIAL SERVICES GUIDE T F G F G important information and is designed to assist

More information

25 September 2015. Workplace Relations Framework Productivity Commission GPO Box 1428 Canberra City ACT 2601. By email: workplace.relations@pc.gov.

25 September 2015. Workplace Relations Framework Productivity Commission GPO Box 1428 Canberra City ACT 2601. By email: workplace.relations@pc.gov. 25 September 2015 Workplace Relations Framework Productivity Commission GPO Box 1428 Canberra City ACT 2601 By email: workplace.relations@pc.gov.au Dear Commissioner The Justice Connect Self Representation

More information

Alta Investment Management Financial Services Guide

Alta Investment Management Financial Services Guide Financial Services Guide Version 2.2 Dated: December 2012 Alta Investment Management Pty Ltd ABN: 79 118 942 135 AFS Licence No.: 300692 Level 7, 66 Hunter Street Sydney NSW 2000 phone: 02 9235 0178 fax:

More information

Invast Financial Services Pty Ltd. Financial Services Guide (FSG) For Equities, Spot Forex & CFDs

Invast Financial Services Pty Ltd. Financial Services Guide (FSG) For Equities, Spot Forex & CFDs Invast Financial Services Pty Ltd Financial Services Guide (FSG) For Equities, Spot Forex & CFDs 18 th July 2013 AFSL No. 438283 ABN 48 162 400 035 You can contact Invast Financial Services ( Invast )

More information

1. About our practice

1. About our practice Financial Services Guide Why this Guide is important to you This Guide explains the financial planning services we provide, as well as giving you important information that will help you decide if you

More information

Financial Services Guide

Financial Services Guide Financial Services Guide FOR YOUR QUADRANT FIRST FINANCIAL PLANNER VERSION 5 ISSUE DATE 1 JULY 2013 It is important that you understand this FSG as it is a legal document. If any part of this document

More information

DIRECTORS & OFFICERS LIABILITY INSURANCE PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL

DIRECTORS & OFFICERS LIABILITY INSURANCE PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL DIRECTORS & OFFICERS LIABILITY INSURANCE PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL A. Obtaining a Quotation To minimise delays in obtaining

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE Version 5 1 May 2014 Unique Insurance Group Pty Ltd ABN: 66 168 090 079 Dover Corporate Authorised Rep No: 460649 7A/421, Blackshaws Rd, Altona North VIC 3025. Telephone: (03)

More information

Financial Services Guide

Financial Services Guide Financial Services Guide 1. The Purpose of This Financial Services Guide This Financial Services Guide ( FSG ) is an important document. Please read it carefully and ensure that you understand it. Azure

More information

27 November 2013. By email: cav.consultations@justice.vic.gov.au

27 November 2013. By email: cav.consultations@justice.vic.gov.au 27 November 2013 By email: cav.consultations@justice.vic.gov.au Owners Corporations Act Review Regulation and Policy Division Consumer Affairs Victoria GPO Box 123 MELBOURNE VIC 3001 Dear Sir/Madam Review

More information

Discussion Paper: The Small Business and Family Enterprise Ombudsman

Discussion Paper: The Small Business and Family Enterprise Ombudsman 23 Ms Julia Freeman Manager, Small Business Ombudsman and Procurement Unit Small Business, Competition and Consumer Policy Division The Treasury Dear Ms Freeman Discussion Paper: The Small Business and

More information