Financial Services and Credit Guide

 

Purpose of a Financial Services and Credit Guide (FSCG):

The main purpose of this document is to ensure you are given adequate information about the financial services being offered.

It contains information about the services we offer you; how we and our associates are paid; any potential conflict of interest we may have; and our internal and external dispute resolution procedures and how you can access them.

This guide should help you decide whether to use any of the financial services we provide.

You should also be aware that you are entitled to receive a Financial Plan (Statement of Advice) whenever we provide you with any advice. Your Statement of Advice will contain personal advice, the basis on which it is given and information about fees, commissions and associations that may be perceived to have influenced the provision of the advice.

Privacy Policy

 

What is Privacy?
Privacy is the ability of you the individual to exercise a substantial degree of control over the collection, use and disclosure of your personal information. Amendments to the Commonwealth Privacy Act 1988 (the Act) which currently apply to bodies such as - Commonwealth Agencies, Credit Reporting agencies, Credit Providers and Tax File number recipients reinforces this ability and extends the rights of individuals.

On December 21, 2001 the amendments to the Privacy Act became effective and includes most organisations in the private sector, including TFC Financial, and us as authorised representatives acting on behalf of TFC Financial.

Service provided
We collect information about you for the purpose of ascertaining your present and ongoing financial needs, priorities, concerns and lifestyle objectives, and to facilitate the provision of high quality professional financial planning services and advice in a manner consistent with your wishes and expectations. This constitutes the primary purpose in collecting the information by us.

The policy
This policy imposes obligations on us to ensure the accuracy of information collected, used or disclosed. All reasonable steps will be taken to protect your information from misuse, loss and unauthorised modification or disclosure.

Collection and use of information
We will only collect personal information that is necessary for the legitimate business functions of providing financial planning services and advice. We will only collect personal information by lawful and fair means. We will not use personal information for any purpose other than which is related to the services provided. We will not disclose, sell, distribute, rent, share or pass on any personal information collected about you to any party other than for the purpose that has been disclosed. From time to time we may bring to your attention products, services or other information that may be relevant to your financial needs. At this time we will be give you the opportunity to discontinue receiving this type of information. We also collect data from our web site to determine usage patterns, help make the web site easier to use and enable us to better meet the needs of its users in terms of content. Information may be collected directly from you, such as name and e-mail address, or through the use of 'cookies' exchanged between the web site and your computer. A 'cookie' is a small file which remains on your computer and contains information enabling our website to recognise your browser. You have the option to disable the use of cookies on your browser. All information collected via the web site will be subject to the same Privacy outlined in this policy. Accessing and correcting information held You have the right to access personal information we hold about you. However, there area number of circumstances where we have the right to deny access to this information. These are where:

  • releasing the information can or will have an unreasonable impact on the privacy of others; or

  • it is unlawful to do so; or

  • it may endanger the safety or physical or mental health of any person; or

  • it may prejudice an investigation of possible fraudulent or other illegal activity; or

  • the request for access is frivolous or vexatious; or

  • the information relates to existing or anticipated legal proceedings involving us or TFC Financial, and the information would not be accessible by the legal process of discovery.


Where we do deny access we will provide you with a reason in writing for this denial. Alternatively, if deemed reasonable, we may consider providing access to your information to a mutually agreed intermediary in order to meet the needs of both parties. We will take reasonable steps to ensure your personal information held is accurate, complete and up to date. If you consider any information held is not accurate or up to date we ask that you contact us regarding any proposed alterations.

Disclosure of information collected
We will not use your personal information for any purpose other than which is related to the service provided. We may use this information for a secondary purpose if it is related to the primary purpose, where you would reasonably expect us to use the information, or where it has been provided with your consent to use the information in a particular manner.

Charter Financial Planning's Privacy Policy

To view Charter Financial Planning's privacy policy click the link below;

http://www.charter.com.au/charter/privacy
 

Provision of further information
You have the right not to receive information from us. At the time of receiving your request we will record this in our records. However, it is important that you consider the benefits of receiving such information before you make an election to cease receiving any direct information from us.Complaints If you have a complaint in relation to Privacy, you should take the following steps:

1. Contact your adviser to discuss your complaint and put your complaint in writing to them.
2. If your complaint is not satisfactorily resolved within 7 days, please put your complaint in writing and send it to:

      Charter Financial Planning
      Attention: Advice and Licensing
      Level 9, 750 Collins Street, DOCKLANDS VIC  3008

We will endeavour to resolve your complaint quickly and fairly. If after receiving the Complaints Officer response you are still not satisfied, you have the right to complain to the Office of the Privacy Commissioner. This service is provided to you free of charge. Office of the Privacy Commissioner: GPO Box 5218, Sydney NSW 2001 Toll free for consumers 1300 36 39 92 or privacy@privacy.gov.au.

Disclaimer

 

Information provided on this web site is general in nature and does not constitute financial advice.

TFC Financial has taken reasonable care in providing this information, unless expressly stated, it should not be construed as being specific to your investment objectives, financial situation or particular needs.

TFC Financial will endeavour to update the web site as needed. However, information can change without notice and TFC Financial does not guarantee the accuracy of information on the web site, including information provided by third parties, at any particular time.

This information is prepared for residents of Australia only. Any currency references are references to Australian dollars unless otherwise specified.

Unless otherwise specified, copyright of information provided on this web site is owned by TFC Financial. You may not alter or modify this information in any way, including the removal of this copyright notice.

This web site does not offer securities or other financial products, nor does it invite subscriptions for securities or other financial products to any person outside Australia. TFC Financial does not guarantee the repayment of capital or any particular return from, or any increase in, the value of any Financial products unless otherwise expressly agreed. Further, TFC Financial  disclaims any liability for loss, damage, cost or other expense which you may incur as a result of any information provided on this web site, to the extent that such liability is not excluded by law.

 
 
 

CHARTER FINANCIAL

 

Our Relationship with Chris Manthey, Dominique Riley, Ken Hayden, Joshua Snell and Megan Richardson are Authorised Representatives of Charter Financial Planning Limited (Charter) ABN 35 002 976 294.

Charter provides their representatives with legislative updates, training, and other assistance in order for your adviser to maintain their competence in the ever changing legislative environment. 

Charter also completes a comprehensive audit on the client files of TFC Financial annually to ensure that they are providing complete and accurate advice to their clients. Most clients view this as a guarantee of assurance. 

Our selection of recommended products is provided through Charter by way of an approved product list, from which we select products to recommend to you. This approved product list is thoroughly and continuously researched to ensure these companies have a solid financial foundation so as to minimise business and financial risk associated with investing. Charter is owned by the AMP Group. The AMP Group includes companies formerly part of Australian and New Zealand operations of AXA Asia Pacific Holdings Limited. TFC Financial sees that being licensed through a large Financial Services Licensee such as Charter allows us to take advantage of the experience of the group for the overall benefit of our clients. 

Once you decide to commence discussions with TFC Financial you will be provided with Financial Services Guide (FSG) which will outline fees and areas of expertise as well as our privacy statement and complaints resolution measures. All advice is provided in accordance with this FSCG.

Charter Financial Planning Limited
ABN 35 002 976 294 
Australian Financial Services Licensee
License Number: 234665
   
Principal Address:
Level 9 750 Collins Street,
Docklands, Victoria 3008. 
http://www.charter.com.au/

 

CONTACT US

Phone:  (07) 4639 1399

Fax:       (07) 4639 6921 

Office:   Canberra Place 123 Margaret Street

              Toowoomba QLD 4350

              (Cnr Margaret & Hume Sts)

Postal:   PO Box 1591, Toowoomba QLD  4350

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December 4, 2018

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Toowoomba Financial Centre Pty Ltd ABN 88 073 088 070, trading as TFC Financial is a corporate authorised representative of Australian Financial Services Licensee 234665, Charter Financial Planning Limited ABN 35 002 976  This website contains general advice only. You need to consider with your financial planner, your investment objectives, financial situation and your particular needs prior to making any strategy or products decision.

Your privacy is important to us and Australian Financial Services Licensee, which is part of AMP. You may request access to your personal information at any time by calling us on (07) 4639 1399 or contacting AMP on 1300 157 173.

Information collected will be subject to AMP's Privacy Policy. You can also contact us or AMP if you do not wish to receive information about products, services or offers available from us or AMP from time to time.