Financial Services Guide

1. Purpose of this guide

This Financial Services Guide (FSG) is designed to help you decide whether to use the services we offer. It explains who we are, the services we are authorised to provide, how we (and our associates) are paid, how we handle your personal information, how complaints are dealt with, and how to contact us. You should read it before using our services. You may also receive other documents from product issuers, such as offer documents or term sheets, which you should read in full before making any investment decision.

2. Who we are

3. Services we provide

[Set out the services you actually provide — for example: "We provide general information about fixed income and bond opportunities, and refer interested enquirers to the product providers we work with so they can provide further information."]

We provide general information only. We do not provide personal financial product advice — that is, we do not take into account your individual objectives, financial situation or needs. Before acting on anything we provide, you should consider its appropriateness for your circumstances and read the relevant offer documents in full.

4. Who we act for

[Explain the capacity in which services are provided — for example: "We act on our own behalf when providing general information. Where we refer your enquiry to a product provider or broker, we do not act as your agent, and any subsequent services are provided by that party directly." Name the parties to whom referrals are made.]

5. How we are paid

[Disclose all remuneration honestly and specifically. For example:]

• Referral fees — [We may receive a fee from the product provider of [$X per qualified enquiry / X% of the amount you invest] when we refer your enquiry and you subsequently invest. This fee is paid by the product provider and is not an additional cost to you.]
• Salaries — [Our staff are paid salaries and may receive performance-based bonuses.]
• Other benefits — [Disclose any other benefits, or state that none are received.]

You may request more detailed information about our remuneration within a reasonable time after receiving this FSG and before any financial service is provided.

6. Associations and relationships

[Disclose any associations or relationships that could reasonably be expected to influence the services provided — for example, ownership links with a product issuer or broker. If there are none, state that clearly.]

7. Your personal information

We collect, hold, use and disclose personal information in accordance with our Privacy Policy, which explains how you can access or correct your information and how to make a privacy complaint.

8. Complaints

If you have a complaint about our services:

1. Contact us first. Write to [complaints@yourdomain.com.au] or call [+61 X XXXX XXXX]. We will acknowledge your complaint promptly and aim to provide a final response within 30 calendar days.
2. If you are not satisfied with our response, you may be able to take your complaint to the Australian Financial Complaints Authority (AFCA), an independent external dispute resolution scheme:

• Website: www.afca.org.au
• Phone: 1800 931 678 (free call)
• Email: info@afca.org.au
• Post: GPO Box 3, Melbourne VIC 3001

9. Insurance arrangements

[Describe any professional indemnity or other insurance arrangements you hold, or state what applies to your business.]

10. Contact us

• Email: [info@yourdomain.com.au]
• Phone: [+61 X XXXX XXXX]
• Post: [Registered business address]