FSG
QUESTUS – FINANCIAL SERVICES GUIDE
(VERSION NO 02 | ISSUED JUNE 2008)
About this Financial Services Guide (FSG)
This FSG is an important document to assist you in deciding whether to use any of the services offered by us, and described in this FSG. We are required to give you an FSG if we provide financial services to you and you are a retail client. This FSG contains important information about:
- who we are;
- the financial services we offer;
- the financial products to which these services relate;
- how we and others are paid in connection with those services;
- your privacy; and
- how we deal with complaints.
This FSG is not intended for wholesale clients as defined by the Corporations Act 2001. We are responsible for the financial services provided to you under our Australian Financial Services Licences (AFSL). We do not act as a representative of any other AFSL holder.
This FSG is provided by Questus Funds Management Ltd (QFML) ABN 52 111 325 556, AFSL 2286318; and Questus Capital Solutions Pty Ltd (QCS) ABN 62 090 768 719, AFSL 227201, which are wholly owned by Questus Limited (Questus). Each of the above companies is referred to as ‘we’, ‘our’ or ‘us’ in this FSG.
PRIVACY
We respect your privacy and have a Privacy Policy which embodies the National Privacy Principles. You can view our Privacy Policy >> more or obtain a copy by contacting us directly.
Your personal information may be used by us to administer, monitor and evaluate products and services, gather, aggregate and report statistical information, assist you with any queries and take measures to detect and prevent fraud and other illegal activity. We may also be allowed or obligated to disclose or receive information by law and to report on prudential or risk management matters.
WHAT DOCUMENTS WILL YOU RECEIVE?
Will you receive a Statement of Advice (SOA)?
A person who provides a retail client with personal advice (that is advice that takes into account the client’s objectives, financial situation and needs) must give a client a SOA. We do not provide personal advice to retail clients. Accordingly, you should not expect to receive a SOA from us.
Will you receive a Product Disclosure Statement (PDS)?
Before acquiring one of our products, you will be provided with a PDS, which is designed to assist you to make an informed decision about the product. The PDS may contain information about the product and may include the costs and details of other fees and charges, including commission payable to advisers.
HOW WE AND OTHERS ARE PAID FOR THE FINANCIAL SERVICES WE PROVIDE
If you acquire one of our products or services, we may receive fees and other benefits. These are generally set out in the PDS. Questus and its directors and employees may receive fees and other benefits for services provided in connection with any of our products.
Some or all Questus companies and their directors may benefit from fees, commissions and other benefits received by us or another Questus company. Our staff are paid a salary and may be entitled to receive bonuses or non-monetary benefits. These bonus payments are not an additional cost to you.
You may receive advice about our products from financial advisers who do not work for us. These advisers may receive remuneration from us if you buy our product. Your adviser is required to set out the remuneration and commissions they receive in the FSG and/or SOA they must give to you.
We may pay referral fees or other benefits to third parties for solely referring customers to us. These fees are paid from the management fees we receive and do not affect the performance of your investment.
We maintain a register (in compliance with Industry Code of Practice on Alternative Forms of Remuneration) summarising alternative forms of remuneration that are paid or provided to certain advisers. If you would like to review this register please contact us.
PROFESSIONAL INDEMNITY INSURANCE
We have adequate professional indemnity insurance in place to cover us for the financial services we provide.
HOW WE DEAL WITH COMPLAINTS
If you have any complaint about the service provided to you, then you should take the following steps:
- Contact our Investor Services Representative on 1800 234 410 or put your complaint in writing and send it to us by email to info@questus.com.au or by post to PO Box 1346, Canning Bridge WA 6153. We will try to resolve your complaint quickly and fairly and at least within 45 days.
- If you still do not receive a satisfactory outcome, then you have the right to complain to the Financial Ombudsman Services Limited (which we are a member of) on 1300 780 808 or by writing to Financial Ombudsman Services Limited, GPO Box 3, Melbourne VIC 3001
The Australian Securities and Investments Commission also has a freecall Infoline on 1300 300 630 which you may use to make a complaint and obtain information about your rights.
THE FINANCIAL SERVICES WE ARE AUTHORISED TO PROVIDE
| We are authorised to | QFML |
QCS |
| Operate certain kinds of managed investment schemes | *** | |
| Provide general financial product advice*1 about: | ||
| Basic deposit products | *** | *** |
| Derivatives*2 | *** | |
| Debentures, stocks or bonds*3 | *** | |
| Life insurance products (including risk and investment) | *** | |
| Managed investment schemes*4 | *** | |
| Own managed investment schemes | *** | |
| Retirement savings accounts | *** | |
| Securities | *** | *** |
| Superannuation | *** | |
| Deal in financial products by issuing, applying for, acquiring, varying or disposing of a financial product in respect of the following classes of financial products: | ||
| Derivatives | *** | |
| Managed investment schemes | *** | |
| Own managed investment schemes | *** | |
| Securities | *** | |
| Deal in financial products by applying for, acquiring, varying or disposing of a financial product on behalf of another person in respect of the following classes of products: | ||
| Basic deposit products | *** | *** |
| Derivatives | *** | |
| Debentures, stocks or bonds | *** | *** |
| General insurance products | *** | |
| Life insurance products (including risk and investment) | *** | |
| Managed investment schemes | *** | *** |
| Retirement savings accounts | *** | |
| Securities | *** | *** |
| Superannuation | *** |
Footnotes
- General advice means that any advice we give you will not be based upon your individual financial objectives, situation or needs. You should contact your personal financial adviser if you require personal advice.
- Limited to Property Warrants.
- Issued or proposed to be issued by a government.
- Including investor detected portfolio services (IDPS)
What is general financial product advice?
As opposed to personal advice any financial product advice provided by us will be general advice only and accordingly:
- has been given without taking into account your objectives, financial situation or needs;
- you should, before acting on any advice provided, consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs; and
- if the advice relates to the acquisition, or possible acquisition of a Questus financial product, that advice should be accompanied by a Product Disclosure Statement (PDS). Please read and consider the appropriateness of the product before making any decision about whether to acquire a Questus financial product.
Will you receive a General Advice Warning?
A person who gives retail clients general advice (that is, advice that is not personal advice) must warn the client that the advice does not take into account the client’s objectives, financial situation or needs. Where we provide you with general advice, we will also provide you with a General Advice Warning. The General Advice Warning will be given in the same manner (that is, in writing or verbally) as the advice is provided.
Contact us
Please feel free to discuss any of our financial products on
Freecall 1800 234 410
Phone: (08) 6310 5040
