Company Disclosure Nitices....
Standards for financial services
Since March 2004 the law has imposed higher standards that protect you whenever you deal with an insurance broker. All businesses that offer 'financial services' must hold an Australian financial services licence or AFS licence. Blackburn (Insurance Brokers) Pty.Ltd. operates under licence number 234533.
All licensed businesses must:
- operate efficiently, honestly and fairly
- ensure staff and representatives are properly trained and supervised
- have proper complaints handling procedures in case anything goes wrong and must belong to an independent complaints scheme that you may use at no cost.
Every business must tell you what you need to know
Anyone advising you on or selling you financial products must give you key documents about their services, advice and the products:
Authorised Representatives
Liability Brokers Pty.Ltd. are the only Authorised Representaive of Blackburn (Insurance Brokers) Pty.Ltd.They only deal in liability products eg. professional indemnity insurance.
What financial service are you getting?
The Financial Services Guide (FSG) is an important document which we are required to give you as an Australian Financial Services Licensee. The FSG is intended to inform you of certain basic matters relating to our relationship, prior to providing you with a financial service. The matters covered by the FSG include:
- who we are and how we can be contacted
- what services and types of products 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 and how you can access them.
It is intended that the FSG should assist you in determining whether to use any of our services. If you choose to use any of our products and services you may also receive other documents relating to the services or products which you should read carefully. These documents may include either or both of the following:
For a copy of our FSG: Financial Services Guide
Privacy Statement
This statement sets out our policy relating to the privacy and security of your personal information. Our Privacy Policy
Statement of Advice (SOA)
This will usually be given whenever we provide you with any advice which takes into account your objectives, financial situation and needs (personal advice). The SOA will contain the advice, the basis on which it is given and other information, including information about fees, commissions and associations which may have influenced the provision of this advice.
No SOA will be provided in respect of advice given by telephone, fax or e-mail in relation to insurance products. However, details of such advice will be recorded in a Record of Advice which you will have the right to request for up to 90 days after the advice has been given.
Product Disclosure Statement (PDS)
This will be provided when we make a recommendation to acquire a particular financial product or offer to issue or arrange the issue of a financial product. This document contains significant information necessary for you to make an informed decision about that product.
Authorised Representatives
Liability Brokers Pty.Ltd. are the only Authorised Representaive of Blackburn (Insurance Brokers) Pty.Ltd.They only deal in liability products eg. professional indemnity insurance.
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