This Guide explains the financial planning and credit services we provide, as well as giving you important information that will help you decide if you want to use any of these services. It explains who we are and:
Hillross, the company that authorises us to provide our services
the services we provide
how we deal with a complaint if you are unhappy with our services
how we and Hillross are paid
Hillross’ relationships with others
relationships that could influence the advice we give you
Other documents you may receive
If we provide you with personal advice, it will normally be documented in a statement of advice, which sets out our advice, the basis of that advice and details about the fees, costs and other benefits payable as a result of the advice given. If we provide further advice, a statement of advice may not be required.
We will keep a copy of the further advice we provide. You can request a copy of the advice at any time using our contact details in this Guide.
Where we provide you with credit advice, we generally conduct a preliminary assessment to determine the suitability of that product for you. This is normally documented in a statement of advice or a record of debt advice. If we determine, based on your circumstances, that a credit product is not suitable we will not proceed with the credit product. You can request a copy of the assessment at any time using our contact details in this Guide.
If we recommend a financial product or arrange a financial product for you, we will make available a product disclosure statement, or IDPS guide where relevant, which provides you with important information about the product, such as its features and risks, to help you decide whether or not to buy that product.