Financial Services Guide
Adviser Profile
Important Information
This Financial Services Guide (FSG) is intended to provide you with important information before engaging with our services and our business. The matters covered by the FSG include who we are, how we can be contacted, what services we are authorised to provide to you, how we (and any other relevant parties) are remunerated, details of any potential conflicts of interest, and details of our internal and external dispute resolution procedures, including how you can access them.
It is intended that this FSG should assist you in determining whether to use any of the services described in this document. Please note that Finder.com Pty Ltd is authorised to provide general financial advice only, not product advice, and will not be providing personal financial advice.
Please note that general financial advice does not take into account your individual objectives, financial situation or needs. You should seek advice from a licensed financial adviser should you wish to receive personal financial advice.
Finder.com.au Pty Ltd (Finder AU) has authorised Finder.com Pty Ltd (Finder) to distribute this FSG.
Before You Receive Our Advice
Who will be providing the financial services to me?
Finder.com Pty Ltd (ABN 69 125 761 480) (Finder) is a Corporate Authorised Representative, Number: 1312397, of Finder.com.au Pty Ltd (Finder AU) (ABN 12 166 740 398) Australian Financial Services Licence (AFSL) Number: 547310.
Our contact details are:
Postal address: Level 10, 99 York Street, Sydney NSW 2000
Phone: 1300 464 010
Email: support@growmymoney.com.au
Finder AU, under its AFSL, authorises Corporate Authorised Representatives (CARs) to carry on their business within the provisions of authorised financial services.
Finder AU’s contact details are:
Postal Address: Level 10, 99 York Street, Sydney NSW 2000
Email: legal@finder.com
Not Independent
Finder.com.au Pty Ltd, its Corporate Authorised Representatives, and Authorised Representatives may receive commissions on life insurance products. For these reasons we do not refer to ourselves or our advice as independent, impartial or unbiased.
What kinds of financial services are you authorised to provide me and what kinds of products do those services relate to?
Finder can provide general advice only in the following areas:
- Financial strategies and financial advice Superannuation (including self-managed super funds)
Please note that “general advice” does not take account of your objectives, financial situation or needs. Before acting on this general advice, you should therefore consider the appropriateness of the advice having regard to your objectives, financial situation or needs.
Who do you act for when you provide financial services for me?
Finder is responsible for the financial services provided to you, via the Platform and Service, in its capacity as a CAR of Finder AU.
How will I pay for the financial service?
Finder does not charge for the provision of general financial advice. Further, there is no charge for joining the Platform or Service.
Do you receive remuneration, commission, fees or other benefits in relation to providing the financial services or assistance to me and how is that remuneration calculated?
Finder generates revenue by taking up to 50% commission from each cashback reward that the retailer pays; this is known as a referral commission. All cashback reward offers and amounts you see in your Platform Account dashboard are net of the referral commission.
For example, if a Platform Member spends $100 with a participating retailer and the Platform offers a cashback reward of 3.75%, then the Platform Member receives $3.75. Finder receives a referral commission from the retailer of up to $3.75 (a 50% referral commission).
Finder may vary its commission amounts at its discretion. We do not accept any form of conflicted remuneration.
Finder may also be paid a transaction fee which is charged directly to the participating retailer and may receive fees from third parties in relation to supplying software as a service..
Do you have any referral arrangements in place?
Finder has referral arrangements and partnerships in place with a number of providers for members. Where you click through or take advantage of those arrangements, we’re effectively referring you to another party and we may get paid should you proceed with certain transactions.
Will you provide me advice, which is suitable to my needs and financial circumstances?
No, Finder provides general financial advice only. We do not provide product advice. We do not take into account your individual objectives, financial situation or needs. To obtain advice that is suitable to your individual objectives, financial situation and needs you should seek personal financial advice from a financial adviser authorised to provide personal advice.
What should I know about the risks of the products or strategies you recommend to me?
Finder will only give you general financial advice, not product advice. We do not recommend any financial products nor express an opinion on financial products. We are offering shopping rewards via cashback which you can apply to your nominated Product Account (the superannuation fund, home mortgage account or other product which may be offered in the future). You should seek personal financial advice from an authorised financial adviser to ensure this is suitable for your circumstances.
What information do you maintain in my file and can I examine my file?
Finder maintains a record of your personal profile, which may include your name, month and year of birth, postcode, email address, mobile number and the details of your Product Account. We also keep a record of your purchasing on the Platform and the cashback rewards earned with each purchase.
We are committed to implementing and promoting a privacy policy which will ensure the privacy and security of your personal information. A copy of the privacy policy is available on the Platform.
Finder does not store your debit or credit card details.
Most of the information we hold on you is available within your Platform Account and can be found by logging in. Should you wish to obtain a copy of the information we hold on your file, we ask that you make a request in writing and allow up to ten (10) business days for the information to be forwarded.
We may charge a fee to cover the cost of verifying the application and retrieving, reviewing and copying the required information. If the information sought is extensive, we will advise of the likely cost in advance and can help to refine your request if required.
Who can I complain to if I have a complaint about the provision of the financial services to me?
If you have any complaint about the service provided to you, you should take the following steps:
Contact Finder.com Pty Ltd and tell us about your complaint. Our contact details are:
Postal address: Level 10, 99 York Street, Sydney NSW 2000
Phone: 1300 464 010
Email: support@growmymoney.com.au
If your complaint is not satisfactorily resolved by us within 5 business days after contacting us, please contact the Compliance Manager of Finder AU via email at legal@finder.com or put your complaint in writing and send it to Level 10, 99 York Street, Sydney NSW 2000. They will seek to resolve your complaint quickly, fairly and within prescribed timeframes.
If your complaint cannot be resolved to your satisfaction within 30 days, you have the right to refer the matter to the Australian Financial Complaints Authority (AFCA), of which Finder AU is a member. ACFA provides fair and independent financial services complaint resolution that is free to consumers. Their contact details are:
Website: www.acfa.org.au
Phone: 1800 931 678
Email: info@afca.org.au
In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
As at 13 November 2024