Important — for licensee review: This document is a drafting scaffold. The Financial Services Guide and the general-advice positioning below must be reviewed and approved by IFA Private Wealth Advisors Pty Ltd's Responsible Manager, and all placeholders (marked with [square brackets]) completed with verified details, before publication. It is not legal advice.

Financial Services Guide Privacy Policy Terms of Use Disclaimer

Financial Services Guide (FSG)

VERSION 1 · DATED [TO BE DATED ON LICENSEE APPROVAL] · AFSL 524103

General advice only. IFA Private Wealth Advisors Pty Ltd provides general advice only. We do not provide personal financial advice and do not take into account your objectives, financial situation or needs. You should consider whether any information is appropriate for you and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making a decision.

1. Purpose of this FSG

This Financial Services Guide is designed to help you decide whether to use the financial services we offer. It contains information about who we are, the services we provide, how we and others are paid, any associations or relationships that could create conflicts of interest, and how complaints are handled.

2. Who we are

IFA Private Wealth Advisors Pty Ltd
ACN 130 309 385 · ABN 17 130 309 385
Australian Financial Services Licence No. 524103 (granted 25 September 2009)
Registered office: 1 Newland Street, Bondi Junction NSW 2022
Phone: +61 2 4345 6567 · Email: info@ifaprivatewealth.com

IFA Private Wealth Advisors Pty Ltd is the holder of AFSL 524103 and is responsible for the financial services described in this FSG. We are the authorising licensee for this website and any general advice provided through it.

3. What services we are authorised to provide

Under our AFSL, we are authorised to provide financial services in relation to deposit products and to provide financial product advice, as covered by the conditions of our licence (AFSL 524103). [RESPONSIBLE MANAGER TO CONFIRM THIS MATCHES THE EXACT AUTHORISATIONS AND PRODUCT CLASSES ON THE ASIC-RECORDED LICENCE.]

We do not provide personal advice. This means we will not consider your individual objectives, financial situation or needs. If you require personal advice, you should consult a licensed financial adviser authorised to provide it.

4. How you can instruct us

You may contact us by phone or email using the details above, or by submitting an enquiry through our website. We will provide general information and, where appropriate, refer you to product providers or issuers.

5. How we are paid

IFA Private Wealth Advisors Pty Ltd may receive the following forms of remuneration:

Source	Nature
Product providers / issuers	Commission of approximately 0.5% of the amount invested where a client we refer proceeds with a product.
Advertising / listing fees	[State if any providers pay to be listed or featured, or "Not applicable" if not.]

Any fees or commissions we receive will be disclosed to you as required by law. Our representatives are remunerated by salary and do not receive commissions directly. Receiving this remuneration does not change the terms a provider offers you.

6. Associations and relationships

[Disclose any relationships, ownership interests, or associations with product issuers that could reasonably influence the services provided, or state "We have no associations or relationships that could reasonably be expected to influence the financial services we provide" if that is accurate. CONFIRM.]

7. Professional indemnity insurance

IFA Private Wealth Advisors Pty Ltd holds professional indemnity insurance that satisfies the requirements of section 912B of the Corporations Act, covering the financial services provided under our AFSL, including services provided by representatives who no longer work for us (for work done while engaged by us). [RESPONSIBLE MANAGER TO CONFIRM THE POLICY IS CURRENT AND ADEQUATE FOR THE BUSINESS.]

8. If you have a complaint

If you have a concern or complaint, please contact us first:

Complaints Officer, IFA Private Wealth Advisors Pty Ltd
Phone: +61 2 4345 6567 · Email: info@ifaprivatewealth.com

We will acknowledge and seek to resolve your complaint promptly. If your complaint is not resolved to your satisfaction, you may escalate it to the Australian Financial Complaints Authority (AFCA), an external dispute resolution scheme of which we are a member:

Australian Financial Complaints Authority (AFCA)
Member number: 3452311
Website: afca.org.au · Phone: 1800 931 678
Email: info@afca.org.au · Mail: GPO Box 3, Melbourne VIC 3001

9. Your privacy

We collect and handle your personal information in accordance with our Privacy Policy (below) and the Australian Privacy Principles. By using our services you consent to that handling.

This FSG scaffold must be completed and approved by the licensee's Responsible Manager and checked against the actual AFSL authorisations before use. Section 3 (authorised services) and Section 5 (remuneration) in particular must reflect the licence and your real arrangements.

Privacy Policy

LAST UPDATED: [TO BE DATED ON LICENSEE APPROVAL]

1. Introduction

IFA Private Wealth Advisors Pty Ltd (ACN 130 309 385, AFSL 524103) ("we", "us", "our") is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy explains how we collect, use, disclose and protect your personal information when you use our website or services.

2. What information we collect

We may collect personal information including your name, email address, telephone number, State or Territory, intended investment amount, investment timeframe, and any information you provide through our enquiry forms. We also collect technical information such as your IP address, browser type and pages visited.

3. How we collect it

We collect personal information directly from you when you complete an enquiry form or contact us, and automatically through cookies and similar technologies when you use our website.

4. Why we collect and use it

To respond to your enquiry and provide general information about fixed income products;
To connect you with product providers or issuers where relevant;
To contact you about products or services you have enquired about;
To operate, maintain and improve our website; and
To comply with our legal and regulatory obligations.

5. Who we disclose it to

Important: When you submit an enquiry, your information may be disclosed to third-party product providers, issuers or partners so they can contact you about products relevant to your enquiry. This is a core function of our comparison and referral service.

We may also disclose personal information to service providers who assist us in operating our business (under confidentiality obligations), and where required or authorised by law.

6. Direct marketing and consent

By submitting an enquiry and providing consent, you agree to be contacted by us and our partners about relevant products, including by phone, email and SMS. You may opt out of marketing at any time by contacting us or using any unsubscribe facility provided. Once your information has been shared with a third-party provider, that provider's own privacy practices will apply to their communications with you.

7. Security and retention

We take reasonable steps to protect personal information from misuse, loss, and unauthorised access. We retain personal information for as long as necessary for the purposes described or as required by law, and take reasonable steps to destroy or de-identify it when no longer needed.

8. Access, correction and complaints

You may request access to, or correction of, the personal information we hold about you by contacting us. If you believe we have breached the Australian Privacy Principles, you may lodge a complaint with us at info@ifaprivatewealth.com. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.

9. Overseas disclosure

We do not disclose your personal information to overseas recipients.

10. Contact us

Privacy Officer, IFA Private Wealth Advisors Pty Ltd
1 Newland Street, Bondi Junction NSW 2022
Email: info@ifaprivatewealth.com · Phone: +61 2 4345 6567

Terms of Use

LAST UPDATED: [TO BE DATED ON LICENSEE APPROVAL]

1. Acceptance

By accessing or using this website, you agree to these Terms of Use and to our Privacy Policy and Financial Services Guide. If you do not agree, please do not use the website. This website is intended for Australian residents only.

2. General advice only

All information on this website is general advice or general information only and does not take into account your objectives, financial situation or needs. It is not personal financial advice or a recommendation to acquire any product. Before making any decision, consider the relevant PDS and TMD and whether the information is appropriate for you, and consider obtaining advice from a licensed financial adviser.

3. No guarantee of rates or availability

Any rates, yields or product details shown are indicative only, are sourced from third parties or providers, and may not be current or accurate. They are not offers and are subject to change without notice. You must verify all details directly with the relevant provider or issuer before making any decision.

4. Provider names

Third-party names, including any banks or issuers referred to, are used for identification and comparison purposes only and do not imply any endorsement, sponsorship, partnership or affiliation unless expressly stated. All trademarks are the property of their respective owners.

5. Enquiries

When you submit an enquiry, you consent to your information being handled and disclosed as described in our Privacy Policy, and you confirm the details you provide are accurate and belong to you.

6. Intellectual property

The content, design and materials on this website are owned by or licensed to IFA Private Wealth Advisors Pty Ltd and are protected by law. You may not reproduce or distribute them without our written permission.

7. Limitation of liability

To the maximum extent permitted by law, and subject to any rights you have under the Australian Consumer Law that cannot be excluded, IFA Private Wealth Advisors Pty Ltd is not liable for any loss or damage arising from your use of this website or reliance on any information on it, including any decision to acquire or not acquire a financial product.

8. Governing law

These Terms are governed by the laws of New South Wales, Australia, and you submit to the non-exclusive jurisdiction of the courts of that State.

9. Changes

We may update these Terms from time to time by posting an updated version with a new date. Continued use of the website constitutes acceptance of the updated Terms.

Disclaimer

LAST UPDATED: [TO BE DATED ON LICENSEE APPROVAL]

General advice warning. The information on this website is general in nature only and has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, consider its appropriateness having regard to your own circumstances, read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD), and consider seeking personal financial advice from an appropriately licensed adviser.

Risk warning

Fixed income investments carry risk, which may include the risk of capital loss, issuer default, interest-rate risk, liquidity risk and early redemption. Some fixed income products, including subordinated or perpetual instruments, carry significantly higher risk and may be complex or intended for wholesale or sophisticated investors only. Past performance is not a reliable indicator of future performance. Returns are not guaranteed unless expressly stated by the issuer.

No offer

Nothing on this website constitutes an offer, invitation or recommendation to subscribe for, purchase or sell any financial product. Any indicative rates or figures are illustrative only and must be verified with the relevant provider or issuer.

Accuracy

While we take reasonable care, we do not warrant the accuracy, completeness or currency of information on this website, including third-party rates and product data. We accept no responsibility for errors or omissions to the extent permitted by law.

About us

IFA Private Wealth Advisors Pty Ltd — ACN 130 309 385 · ABN 17 130 309 385 · AFSL 524103. We provide general advice only.