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Financial Services Guide
About the Financial Services Guide
This Financial Services Guide
(FSG) is an important document that provides you with information
about Lifeplan
Australia Friendly Society Limited, which is licensed to
deal in and provide advice on:
- Investment products
- Life risk insurance products
- Non-cash payment facilities such as direct debits
- Deposit products including term deposits
AND
Lifeplan Australia Building Society Limited,
which is licensed to deal in and provide advice on:
- Basic deposit products
- Term deposits
- Non-cash payment facilities such as direct debits
The Building Society is the issuer of the basic
deposit products, term deposits and some non-cash payment facilities,
however, Lifeplan Australia Friendly Society Limited will provide
all financial services offered by the Building Society and the Friendly
Society. These companies will be referred to in this document as ‘Lifeplan’, ‘we’, ‘our’ or ‘us’. This
FSG provides general information to assist you when making a decision
relating to the financial services and products we are able to
offer.
It also tells you how our consultants are paid and about
our internal and external complaints handling procedures and how
you may access them.
Product Disclosure Statement
When you invest, or are contemplating an investment in one or more
of our products, you are also entitled to receive a Product Disclosure
Statement that will fully describe our product/s, including
the features and benefits and will assist you in your decision
making process.
General Financial Advice
The information provided to you by Lifeplan is designed to help
you understand the features and benefits of the products we provide.
Lifeplan does not provide a financial planning service or give
personal financial advice, which means we will not take into
account your personal objectives, needs or financial situation,
so we ask that you give those items consideration when making
your investment decision.
Financial Advice Referrals
Lifeplan may refer you to Bridges Financial Services Pty Ltd AFS Licence 240837 for financial advice.
If we refer you to Bridges for financial advice, we may receive a referral fee of up to 22.5% of any entry fee/and or ongoing fee paid by you to Bridges. We may also receive additional incentive payments of up to 0.20%, depending on the level of new business referred by us. These referral payments to Lifeplan do not result in a fee increase to you.
Bridges will disclose the amount of, or method of calculating, any referral fee or incentive payments at the time of providing financial advice to you, or as soon as practicable after this time.
In referring you to Bridges, Lifeplan does not accept liability or responsibility for any acts, omissions or advice of Bridges and its authorised representatives under Lifeplan's referral arrangement with them.
Remuneration
Lifeplan's consultants are paid a fixed salary and they may also
receive performance bonuses in accordance with their contracts
of employment. Remuneration is not an additional charge to you
but is included in the management fees which are clearly stated
in the Product Disclosure Statement.
Complaints handling
We are committed to providing a quality and personalised customer
service, so if you are unhappy with any of our products or
services, please tell us and we will attempt to quickly and
fairly resolve the problem for you. We have procedures in place
that provide for a complaint to be fully investigated, however
if for some reason we are unable to resolve the complaint to
your satisfaction you may also send a written complaint to
one of the following:
For investment products and non-cash
payment facilities issued by Lifeplan Australia Friendly Society
Limited:
The Chief Executive Officer
Financial Industry Complaints Service (FICS)
PO Box 579 Collins Street West Melbourne VIC 3000
Telephone: 1300 78 08 08
For term deposits, basic deposit products or non-cash payment facilities issued by Lifeplan Australia Building Society Limited:
The Ombudsman
Financial Co-Operative Dispute Resolution Scheme (FCDRS)
PO Box 372 Clayfield QLD 4011
Telephone: 1300 13 92 20
Lifeplan Australia Friendly Society Limited
ABN 78 087 649 492 AFS
Licence 237989
Lifeplan Australia Building
Society Limited
ABN 30
087 652 079 AFS Licence 237994
Lifeplan Funds Management is
a business name of Lifeplan Australia Friendly Society Limited.
This
Financial
Services Guide was prepared on 30/05/07.
The information contained
in this document was current at the time of preparation.
Registered
Office: 111 Gawler Place Adelaide SA 5000
GPO Box 89 Adelaide
SA 5001
Telephone: 1300 1300 38
Facsimilie: (08) 8231 9181
Email: enquiries@lifeplan.com.au
Website:
www.lifeplan.com.au
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