Financial Services Guide

Adviser Profile

Important Information

This Financial Services Guide (FSG) is intended to inform you of certain basic matters relating to our relationship, prior to us providing you with a financial service. 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, along with 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 Grow My Money Pty Ltd will only be providing general advice and not providing personal financial advice.

Please note that general 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 advice.

Shartru Wealth Management Pty Ltd has authorised Grow My Money Pty Ltd to distribute this FSG.

Click here for the Shartru Financial Services Guide.

Before You Receive Our Advice

Who will be providing the financial services to me?

Grow My Money Pty Ltd (ABN 90 629 681 296) (GMM) is a Corporate Authorised Representative, Number: 1278321, of Shartru Wealth Management Pty Ltd (Shartru Wealth) (ABN 46 158 536 871) Australian Financial Services Licence (AFSL) Number: 422409.

Our contact details are:

Postal address: PO Box 284, Neutral Bay NSW 2089

Phone: 1300 464 010


Shartru Wealth, under its AFSL, authorises Corporate Authorised Representatives (CARs) to carry on their business within the provisions of authorised financial services. Shartru Wealth’s contact details are:

Postal Address: PO Box 565, Belmont NSW 2280

Phone: 1300 478 424


Not Independent

Shartru Wealth Management 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?

GMM 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 investors’ objectives, financial situation or needs. Before acting on this general advice, investors should therefore consider the appropriateness of the advice having regard to their objectives, financial situation or needs.

Who do you act for when you provide services for me?

GMM is responsible for the financial services provided to you, via the Platform or Service, in its capacity as a CAR of Shartru Wealth.

How will I pay for the service?

GMM does not charge for the provision of general 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?

GMM 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 member spends $100 with a participating retailer and the Platform offers a cashback reward of 3.75%, then the member receives $3.75. GMM receives a referral commission from the retailer of up to $3.75 (a 50% referral commission).

GMM may vary its commission amounts at its discretion. We do not accept any form of conflicted remuneration.

GMM 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?

GMM 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, GMM provides general advice only. 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?

GMM will only give you general 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?

GMM 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.

GMM 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 Grow My Money Pty Ltd and tell us about your complaint. Our contact details are:

Postal address: PO Box 284, Neutral Bay NSW 2089

Phone: 1300 464 010


If your complaint is not satisfactorily resolved by us within 5 business days after contacting us, please contact the Compliance Manager of Shartru Wealth on 1300 478 424 or or put your complaint in writing and send it to PO Box 565 Belmont NSW 2280. They will seek to resolve your complaint quickly and fairly.

If you are not satisfied with the outcome of your complaint or your complaint has not been handled fairly and reasonably within the required timeframe, you can refer the matter to the Australian Financial Complaints Authority (AFCA). They can be contacted on 1800 931 678 or This service is provided to you free of charge.

Shartru Wealth is a member of AFCA. At the time of escalation of a complaint they will provide you with further details on the process involved with AFCA.

As at 11 March 2024