Mozo Pty Ltd ( Mozo ) Financial Services and Credit Guide. Australian Financial Services and Credit Licence No:
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1 Mz Pty Ltd ( Mz ) Financial Services and Credit Guide Australian Financial Services and Credit Licence N: Date prepared: 11 August 2016 What is the purpse f this Financial Services Guide? This Financial Services and Credit Guide ( FSG ) is prepared by Mz t give yu sufficient infrmatin t assist yu in deciding n whether yu wish t use the financial services which Mz prvides. This FSG shuld be read prir t utilising Mz s financial services. T assist yu in making a decisin n whether yu wish t use Mz s services, in this FSG we utline: Wh we are Hw yu can cntact Mz The financial services Mz is authrised t prvide under its financial services licence Are there any relatinships that exist that may influence us when we prvide advice? The remuneratin and cmmissin we will receive if yu use ur services Will anyne be paid fr referring me t yu? Are we adequately insured? Details f ur Dispute Reslutin Prcedures if yu wish t make a cmplaint Wh we are? Mz is a financial cmparisn service that allws retail cnsumers t research and cmpare factual infrmatin n a wide range f financial prducts. Mz perates its business via its website and phne based service which allws cnsumers access t this factual infrmatin. Mz hlds an Australian Financial Services and Credit Licence N that authrises Mz t perate its financial cmparisn service. Mz als makes its financial cmparisn service and factual infrmatin available via third party websites. In the instance that Mz makes its infrmatin available via third party websites it is clearly marked "Mz-pwered". Hw yu can cntact Mz? Address: Mz Pty Ltd Level Clarence St Sydney NSW hell@mz.cm.au Website:
2 What Financial Services is Mz authrised t prvide under its financial services licence? Under the Crpratins Act 2001 and Natinal Cnsumer Credit Prtectin Act 2009, an Australian Financial Services Licence ( AFSL ) and Australian Credit Licence ("ACL") is required t be authrised t prvide advice n certain financial and credit prducts. Mz has btained an AFSL and ACL s that we can ffer yu advice n these financial prducts. Nte that the advice prvided by Mz is general advice nly. It des nt cnstitute persnal advice, as it des nt take int accunt ne r mre f yur financial bjectives, circumstances r needs. We are bliged t warn yu that ur general advice prvided t yu des nt take accunt f yur bjectives, financial situatin r needs. Therefre, yu are required t ensure that yu btain advice frm a licensed prfessinal regarding the suitability fr yur wn circumstances, f utilising ur prducts and services. As part f Mz's ACL Mz makes available factual infrmatin that is surced frm credit prviders. Mz is in n way prviding r intending t prvide credit assistance t yu by suggesting r assisting yu apply fr, remain in, r increase yur credit limit with a particular credit prduct with a particular credit prvider. If Mz refers yu t a credit prvider r prvider f credit assistance yu will be dealing directly with them and nt Mz. Specifically, the authrisatin under Mz s AFSL is as fllws: Mz is licensed as an Australian Financial Services Licensee pursuant t sectin 913B f the Crpratins Act 2001, t carry n a financial services business t: (a) prvide general financial prduct advice fr the fllwing classes f financial prducts: (i) depsit and payment prducts including: (A) basic depsit prducts; (B) depsit prducts ther than basic depsit prducts; (C) nn-cash payment prducts; and (ii) general insurance prducts; and (iii) life prducts limited t: (A) life risk insurance prducts as well as any prducts issued by a Registered Life Insurance Cmpany that are backed by ne r mre f its statutry funds limited; and (iv) securities: (v) standard margin lending facility; and (b) deal in a financial prduct by: (i) applying fr, acquiring, varying r dispsing f a financial prduct n behalf f anther persn in respect f the fllwing classes f prducts: (A) depsit and payment prducts including: (1) basic depsit prducts; (2) depsit prducts ther than basic depsit prducts; (3) nn-cash payment prducts; and (B) general insurance prducts;
3 (1) life risk insurance prducts as well as any prducts issued by a Registered Life Insurance Cmpany that are backed by ne r mre f its statutry funds; (D) securities; and (E) standard margin lending facility; t retail and whlesale clients. Specifically, the authrisatin under Mz s ACL is as fllws: (a) Engage in credit activities ther than as a credit prvider by: (i) prviding a credit service where the licensee is nt r will nt be: (A) where the service relates t a credit cntract r prpsed credit cntract - the credit prvider under the cntract; r (B) where the service relates t a cnsumer lease r prpsed cnsumer lease - the lessr; and/r (ii) perfrming the bligatins r exercising the rights f a credit prvider in relatin t a credit cntract r prpsed credit cntract under which the licensee is nt r will nt be the credit prvider; and/r (iii) perfrming the bligatins r exercising the rights f a mrtgagee in relatin t a mrtgage r prpsed mrtgage that secures r will secure bligatins under a credit cntract under which the licensee is nt the credit prvider; and/r (iv) perfrming the bligatins r exercising the rights f a beneficiary under a guarantee r prpsed guarantee that guarantees bligatins under a credit cntract under which the licensee is nt the credit prvider; and/r (v) perfrming the bligatins r exercising the rights f a lessr in relatin t a cnsumer lease r prpsed cnsumer lease where the licensee is nt r will nt be the lessr Are there any relatinships that exist that may influence us when we prvide advice? Mz is independently wned and nt tied in any way t any financial institutin r issuers f financial r credit prducts except with regard t the remuneratin utlined in the belw sectin f this FSG. What remuneratin r cmmissin will we receive if yu use ur services? Mz may receive fees r cmmissins frm the financial institutins, issuers f financial r credit prducts and third party advice prviders that we display n ur site and ther 3 rd parties fr the fllwing activities: Fees fr market research r data and helping 3 rd parties use the data we ve cllected Licensing and hsting fees fr cntent such as financial calculatrs and ther tls Advertising fees fr prduct advertisements based n a Cst per impressin, Cst per click r Fixed fee Licensing fees fr the use f badges awarded in ur Expert s Chice and ther awards prgrams Fees fr referrals t prduct issuers n the fllwing basis Cst per click when yu click thrugh t a prduct issuer's r third party advice prvider's website frm Mz
4 Cst per applicatin when yu cmplete an applicatin fr a prduct issuer's prduct after being referred frm Mz Cst per apprved accunt when yu cmplete and are apprved fr a prduct issuer's prduct after being referred frm Mz Cst per lead when yu click thrugh t a prduct issuer's r third party advice prvider's website and submit yur cntact details, r request that Mz pass n yur cntact details t a prduct issuer r third party advice prvider Cmmissin share n enquiries referred t prduct issuers r third party advice prviders The rates f the fees and cmmissins that Mz receives vary between financial institutins, prduct issuers and third parties. It is imprtant t nte that: The fee r cmmissin received by Mz des nt change the prduct yu receive, r the fees, rates r cmmissins yu are charged by the financial institutins r prviders f financial prducts We prvide ur services free t yu The amunt f fees and cmmissins we receive will vary greatly due t the large number f prviders and prducts we represent n the site, s will depend n the specific prducts which yu chse. Mz staff and cntractrs are remunerated directly by Mz and nt in any way by ther financial institutins r prviders f financial prducts. Other than as set ut in this FSG, Mz des nt have any assciatin r relatinship with the financial institutins and prviders f financial prducts that we display n ur website. Yu can request further infrmatin n ur cmmissins and remuneratin by cntacting us n AFSLenquiries@mz.cm.au Will anyne be paid fr referring me t yu? Mz may pay fees t third party websites fr referrals t the Mz website. Are we adequately insured? Mz is cvered by prfessinal indemnity insurance that satisfies the requirements f the Crpratins Act fr cmpensatin arrangements. This prfessinal indemnity will als cver claims in relatin t the cnduct f emplyees wh n lnger wrk fr us (but wh did at the time f the relevant cnduct).. What shuld I d if I have a cmplaint r dispute? Mz takes yur cmplaints seriusly, and is cmmitted t trying t reslve them as quickly as pssible. T assist yu in any cmplaints r disputes, we have: Established internal dispute reslutin prcedures Becme a member f the Financial Ombudsman Service, which allws yu an external surce f assistance if yu are nt satisfied with ur reslutin
5 If yu wish t make a cmplaint abut ur services, in the first instance please us at nthappy@mz.cm.au The Mz team will respnd t yur cmplaint and seek t cme t a satisfactry reslutin directly with yu. If the utcme f this is nt satisfactry t yu, yu may refer yur cmplaint t the Financial Ombudsman Services Limited ( FOS ), f which Mz is a member (Member Number 13328). T find ut mre abut FOS and hw they can assist yu, please cntact them as fllws: Mail: Financial Ombudsman Services Limited GPO Bx 3 Melburne VIC 3001 Website: inf@fs.rg.au Phne: (Australia Wide) Fax: (03)
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