Financial Services Guide
Financial Services Guide
Our Details and Contacts
Company: SuperEd Pty Ltd (SuperEd)
ABN 88 118 480 907
Head Office: 100 Walker Street
North Sydney, NSW, 2060
Phone: (02) 8282 2982
SuperEd holds an Australian financial services licence (AFSL) which authorises us to provide financial advice on and assist you to arrange superannuation, managed investment schemes, including investor directed portfolio services, deposit and payment products, securities, government debentures, stocks or bonds, annuities and life insurance SuperEd is responsible for the financial services and advice provided to you as well as the authorisation of content and distribution of this FSG. We may give you other documents when providing our services. These may include:
Statements of Advice
if we provide you with advice about your personal circumstances, we will confirm it in a Statement of Advice (SoA). The SoA sets out our personal advice to you, including the scope of our advice, the basis on which the advice is provided, your current personal and financial position, needs and objectives, our advice and the risks associated with implementing our advice, and information on fees, remuneration and associations which may have influenced the provision of the advice provided.
Please note that until such time as you elect to receive a SoA, any preliminary discussions, ideas, thoughts or projections are not intended to be taken as personal advice recommendations you or anyone else should act upon.
Product Disclosure Statements
If we recommend that you acquire a financial product, we will also provide you with a Product Disclosure Statement (PDS). The PDS will provide you with detailed information about the product we have recommended you acquire, including features, benefits, fees and associated risks, and contains important information to help you decide whether or not to buy that product.
SuperEd is focused on helping super fund members plan for their retirement and take the actions necessary to achieve financial wellbeing in retirement. We do this through the provision of affordable online advice solutions encompassing forecasting, education and coaching, planning, general and personal advice and personal investment management.
Limits on the advice that we can provide
Our advice and services are tailored to super fund members and retirement planning. There are a number of areas you may require advice on which may be outside of the services we offer. We will make the scope of any advice or information we provide you very clear as well as highlighting any implications. Overall we cannot assist you or advise you in any way with:
- general insurance
- derivatives or foreign exchange
- real estate and direct property advice
- taxation services, such as completion of tax returns
- accounting and audit services
- estate planning professionals such as a solicitor
- legal services
- administration and compliance of Self-Managed Superannuation Funds
- credit product advice such as mortgage or finance broking
Any products recommended are limited to the products we have researched and can recommend.
How Can You Deal With Us
You can deal with us via our website. However we can also be contacted by phone or email if you need assistance. Our full contact details are at the start of this guide.
It is important that you provide us with complete and accurate information about your circumstances and you take the time to check any assumptions we make and the basis for our advice. If you don’t, our advice may not be appropriate for your needs.
How We Are Paid
Our advice is provided free to the individual member. We are paid a flat fee by the relevant provider for making the online advice solution available to their members.
Who We Pay
Employees and directors can be remunerated by a combination of salary and dividends and benefits based on quality of advice and services and business growth of SuperEd. Neither we nor our employees receive commission from anyone in connection with the advice we provide you.
If you were referred to us, we may pay commission or other benefits to the organisation who referred you to us. We will tell you the amount, if any, in your Statement of Advice.
Relationships, associations And and other benefits we may receive
SuperEd may receive additional benefits from product providers. These benefits may include education, training, meals and events provided at the cost of the product providers. These are not of a material nature and do not influence our advice to you.
SuperEd does not have any associations or relationships, other than those already disclosed, that might reasonably be expected to be capable of influencing the advice we provide to you and our clients.
Our Professional Indemnity Insurance
We have professional indemnity insurance in place which covers us for any errors or mistakes relating to our financial services. This insurance meets the requirements of the Corporations Act and covers the services provided by our employees after they cease working with us provided we notify the insurer of the claim when it arises and this is done within the relevant policy period.
What to do if you have a complaint
If you are not satisfied with the response you receive or your complaint cannot be resolved within the 45 business days, you have the right to contact the Australian Financial Complaints Authority (AFCA). AFCA is an ASIC approved external dispute resolution body and provides fair and independent financial services complaint resolution that is free to consumers.
Australian Financial Complaints Authority
GPO Box 3, Melbourne VIC 3001
Telephone: 1800 931 678 (free call)
You may also contact the Australian Securities and Investments Commission (ASIC) by phoning +61 3 5177 3988 or 1300 300 630 to make a complaint and obtain information about your rights.
How Can You Contact Us
We can be contacted at:
Post: 100 Walker Street, North Sydney, NSW, 2060
What personal information do we collect and disclose
We request and collect personal information, including sensitive information (e.g. health information), from you to provide you with our services including personal financial advice and helping us run our business. We may need to use your information to comply with legislative or regulatory requirements in any jurisdiction for the purposes of preventing fraud, crime or other activity that may cause harm.
To ensure that any personal financial advice we provide is appropriate, we ask you to provide accurate information, free from error and omission. If you do not provide all the information we request, we may no longer be able to provide a product or service, including financial advice, to you.
We do not trade, rent or sell your information or disclose it to overseas recipients.
How we protect your privacy
Where you have provided us information about another individual, you must make them aware of that fact and the contents of this privacy statement.
This FSG was prepared on 1 November 2018, version number 1.3.