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Issued on:
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July 1, 2008
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Version number:
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4.0
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About This Financial Services Guide
This Financial Services Guide (FSG) has been designed to assist you in deciding whether to use any of the services I provide.
It explains the kinds of financial services I offer. It also contains information about how I am, and others are, remunerated in relation to those services, and information about how complaints are dealt with and how you may access internal and external dispute resolution procedures.
Other Disclosure Documentation
You may also receive either or both of a Statement of Advice (SoA) and a Product Disclosure Statement (PDS).
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The Statement of Advice contains information about any personal advice I give you so that you can make an informed decision about whether or not to act upon it. Personal advice is advice that takes into account any one or more of your objectives, financial situation and needs. The SoA will contain the advice, the basis on which it is given and information about how I am remunerated, as well as any associations or relationships which may have influenced the advice. I will give you a SoA at the same time, or as soon as practicable after the advice is provided.
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If I make a recommendation that you acquire a particular financial product, or offer to arrange the issue of a financial product to you, I will also provide you with a Product Disclosure Statement (PDS) relating to that financial product. The PDS sets out the significant features of the product and will assist you to compare and make informed choices about the product.
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Stanley
Walter Bishop
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Authorised Representative No:
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271475
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19 Morton Loop, Canning Vale, WA 6155
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Telephone:
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08 9455 2720
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Fax:
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08 9455 2610
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I am the Authorised Representative of the Licensee(s) under the heading ‘Who I Represent’ below. The distribution of this FSG by me has been authorised by each of those Licensees.
I am the Director- Principal of Bisstan Pty Ltd, trading as Caravan Insurance Specialists 32 050 161 567, who is a Corporate Authorised Representative of the Licensee(s).
The following table lists the Australian Financial Services (AFS) Licensee(s) that I represent, the services I am authorised to provide as an Authorised Representative of such AFS Licensee(s), and the financial products relating to those services.
Bisstan Pty Ltd
will receive commission as shown in the table below on the total annual premium payable excluding stamp duty, fire service levy (if applicable) and GST, for each insurance policy issued. Commission is received each month on policies issued in the previous month. I receive a salary on a weekly basis. I am entitled to any distribution of profits.
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Secure Caravan Insurance issued by Vero Insurance Limited
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20%
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Secure Motorhome Insurance issued by Vero Insurance Limited
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20%
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Secure Relocatable Home Insurance issued by Vero Insurance Limited
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20%
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You may contact Vero by calling 1300 794 133, or alternatively by writing to Vero at the following address:
Vero Insurance Limited, GPO Box 1619Adelaide SA 5001
When you first let Vero know about your complaint or concern:
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it will be handled by the person who has authority to deal with it; and
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this person will listen to you, consider the facts and contact you to resolve your complaint as soon as possible, usually within 24 hours.
If you are not satisfied with this person's decision on your complaint, then it will be referred to the relevant Operational Manager, who will usually contact you within 5 working days.
If you are not satisfied with the Operational Manager's decision, then it will be referred to Vero's General Management in Head Office. Vero will usually send you their final decision within 15 working days from the date you first made your complaint.
Vero expect their procedures will deal fairly and promptly with your complaint. However, if you are not satisfied with their final decision you can choose to have the matter resolved externally — for example, mediation, arbitration or legal action.
You can also raise your complaints directly with Financial Ombudsman Service (FOS). This is an independent body and its services are free to you. Vero agrees to accept the FOS's decision. Again, you have the right to take legal action if you disagree with the FOS's decision. You must contact the FOS within 3 months of receiving Vero's final decision.
You can phone the FOS from anywhere in Australia on 1300 780 808, Fax them on (03) 9613 6399 or
e-mail them at info@fos.org.au
or write to them at:
Financial Ombudsman Service
GPO Box 3,
Melbourne, Vic 3001
Their website address is www.fos.org.au
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