Financial Services Guide

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Financial Services Guide Aon Superannuation Pty Limited ABN Australian Financial Services Licence (ASFL) No Version 2 November 2014 Risk. Reinsurance. Human Resources. Table of contents
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Financial Services Guide Aon Superannuation Pty Limited ABN Australian Financial Services Licence (ASFL) No Version 2 November 2014 Risk. Reinsurance. Human Resources. Table of contents Introduction 3 Name of providing entity 3 How can you transact with us 3 The services we provide 3 We act for you 4 How we get paid 4 Relationships and associations 5 Conflicts of interest 5 Service issues and complaints 5 Professional Indemnity Insurance 5 Privacy 6 Financial Services Guide Aon Superannuation Pty Limited 2 Introduction The purpose of this Financial Services Guide (FSG) is to provide you with key information about the financial services and/or products that Aon Superannuation Pty Limited ( ASL, we, our or us ) are authorised to provide you under our Australian Financial Service Licence (AFSL). This FSG explains: who we are, the services that relate to our AFSL, the remuneration that we and relevant persons receive for the services, any arrangements which may influence our advice to you, how we protect your privacy, and how we handle your complaints if you are not satisfied with the services provided. The information in this FSG is not complete without the Adviser Profile which provides further information on the advisers who are authorised on behalf of ASL. Please take the time to read this FSG. If there is anything you do not understand, or have questions please contact us. Name of providing entity Aon Superannuation Pty Limited is the providing entity of the FSG. ASL is the trustee and the responsible entity for the Aon Master Trust (R ). ASL holds an Australian Financial Services Licence (AFSL ) and is a Registrable Superannuation Entity Licensee (RSEL No L ). It is also authorised to offer a MySuper product (Identifier No ). Additionally, ASL is the trustee for the Aon Eligible Rollover Fund (R ). Both the Aon Master Trust and the Aon Eligible Rollover Fund are Australian Prudential Regulation Authority (APRA) regulated superannuation funds. How can you transact with us You can give us instructions by telephone, fax, via the Aon Master Trust website (www.aonmastertrust.com.au) or other means agreed to by us. The services we provide ASL holds an AFSL which authorises us to carry on a financial services business and to provide advice and deal in superannuation to retail and wholesale clients. Intra-fund personal and/or general advisory services may be provided depending on the circumstances. It is important you understand the difference. Financial Services Guide Aon Superannuation Pty Limited 3 Intra-fund personal advice is a recommendation or opinion given after taking into account your individual objectives, financial situation or needs. The personal advice provided will be limited to the Aon Master Trust for existing fund members on: contributions, insurance cover within the fund, and changing investment options. If you receive intra-fund personal advice from us, you will also receive a Statement of Advice (SoA). The SoA will contain the advice, the basis on which it is given and more specific information about remuneration and any associations that may have influenced the provision of the advice. In the event intra-fund personal advice is provided to you, you will be provided with an Aon Master Trust Product Disclosure Statement (PDS). A PDS contains information about the particular product, which is aimed to help you make an informed decision regarding the product. It contains information about the product s key features, benefits, risks and fees. Any member requesting personal financial advice that extends beyond intra-fund advice will be referred to an authorised representative of Aon Hewitt Financial Advice Limited (AHFA) ABN AFSL ASL does not receive a payment for this referral. General advice is a general recommendation or opinion given without taking into account your individual objectives, financial situation or needs. Before you make an investment decision based on this advice, you need to consider, with or without the assistance of a licensed financial adviser, whether the advice is appropriate for your needs, objectives and financial circumstances. If you receive general advice, you should not expect to receive a SoA from us. You should obtain a copy of the PDS relating to the particular product and consider the information contained in it before making a decision about whether to acquire an interest in the Aon Master Trust. We act for you When we provide services to you we act on our own authority, under our own licence and we act for you. In providing services to you we do not act on behalf of any other person or entity, eg an insurer. How we get paid The cost of ASL providing you with any intra-fund or general advice is included in the asset administration fee of the Aon Master Trust. Details of this fee can be found in the PDS for the Aon Master Trust. Our trustee, directors and advisers are remunerated by wages/salary and bonus. Our advisers do not receive any commissions or fees for the services provided to you. Financial Services Guide Aon Superannuation Pty Limited 4 Relationships and associations ASL is part of the Aon group of companies in Australia and is owned by Aon plc, a company listed in the United Kingdom. Aon plc is a member of the worldwide Aon group of companies. We may refer you to other Aon companies, especially for services we think might be valuable to you and which ASL does not provide. In these cases, those providing entities may charge you. If you use the financial services offered by AHFA, it may charge you fees. If fees are to be charged, these will be discussed with you prior to those fees being incurred. Any financial services provided to you by AHFA will be provided under its AFSL. Conflicts of interest Conflicts of interest may arise in circumstances where some or all of your interests as our client are or may be inconsistent with or diverge from some or all of our interests. ASL has a conflict management policy, including training and monitoring to ensure we are aware of and manage any conflicts of interest. ASL and its representatives must comply with this policy and its associated procedures. Aon companies may provide other services (and get paid for the services) to the same product issuer or other service providers. Service issues and complaints We are committed to providing quality services to our clients. This commitment extends to giving you easy access to people and processes that can resolve a service issue or complaint. If you have a complaint about the service we have provided to you, you should contact: The Complaints Officer, Aon Superannuation Pty Limited, GPO Box 534, Sydney NSW Phone (02) We will try to resolve your complaint quickly and fairly. If we cannot reach a satisfactory resolution, you can raise your concerns with the Financial Ombudsman Service Limited on ASL is a member of this complaints resolution service. The Australian Securities and Investments Commission (ASIC) also has a freecall Infoline on which you may use to make a complaint or obtain information about your rights. You may have the right to lodge a complaint with the Superannuation Complaints Tribunal (SCT). The SCT is an independent body that reviews trustee decisions relating to members. You can contact the SCT by phone on or write to Locked Bag 3060, Melbourne VIC ASL is a registered tax (financial) services provider, you may have the right to lodge a complaint with the Tax Practitioners Board (TPB) by visiting their website at tpb.gov.au or by phone on Professional Indemnity Insurance In accordance with the requirements of the Corporations Act, ASL maintains adequate professional indemnity insurance. This insurance cover extends to claims in relation to our conduct as an Australian Financial Services Licence holder, a Tax (Financial) Adviser and our employees and representatives, both past and present, to compensate clients or their beneficiaries for loss or damage suffered if we provide negligent advice. Financial Services Guide Aon Superannuation Pty Limited 5 Privacy We value the privacy of personal information and are bound by the privacy laws when we collect, use, disclose or handle personal information. We collect personal information to offer, provide, manage and administer the services outlined in this FSG. Please visit our website at aonmastertrust.com.au if you would like a copy of our Privacy Policy or wish to correct or seek access to the personal information we collect or disclose about you. Financial Services Guide Aon Superannuation Pty Limited 6 Contact information Aon Superannuation Pty Limited ABN AFSL No Level 33, Aon Tower 201 Kent Street Sydney NSW 2000 toll free t f aonhewitt.com.au 2014 Aon Superannuation Pty Limited Financial Services Guide Aon Superannuation Pty Limited 7 Adviser Profile Who is your adviser? Arohaina Owen Authorised Representative No Arohaina has over 8 years of experience in the financial services industry. Arohaina s passion and motivation is to help members make smart decisions with their money. She focuses on keeping things simple for Aon Master Trust members and making it easy for them to understand and follow. Qualifications Advanced Diploma Financial Planning; Diploma of Financial Services (Financial Planning) Contact the Aon Advice centre t e w aonmastertrust.com.au Aon Superannuation Pty Limited Australian Financial Services Licence No ABN This Adviser Profile has been authorised for distribution by Aon Superannuation Pty Limited. Date: 29 January 2016 Version: 12.0 The Aon Privacy Notice The Aon Group of companies has always valued the privacy of personal information. When Aon collect, use, disclose or handle personal information, Aon will be bound by the Privacy Act 1988 (Cth) (the Act ). This Notice is effective from 1 March Why do we collect your personal information? Aon collect personal information to offer, provide, manage and administer the many financial services and products we and our group of companies are involved in. These include insurance broking and claims management, risk management consulting, and other forms of insurance services (including underwriting of insurance products and reinsurance), employee benefits, premium financing, superannuation and investment advisory services. Aon may also collect personal information for the purpose of conducting analytics processes, to be able to develop and identify products and services that may interest you, to conduct market or customer satisfaction research or to develop, establish and administer alliances and other arrangements with other organisations in relation to the promotion, administration and use of our respective products and services. Aon may collect information about you because we are required or authorised by law to collect it. There are laws and regulations that affect the provision of our many services and products (as more fully described in the Aon Australia Group Privacy Policy Statement ( Aon Privacy Statement )) and require us to collect certain personal information. These laws may include the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), the Corporations Act 2001 (Cth), the Superannuation Industry (Supervision) Act 1993 (Cth) and the Insurance Contracts Act 1984 (Cth). How do we collect your personal information? Aon will generally collect information directly from you or your agents, unless impracticable or unreasonable to do so. We may collect it from third parties such as our affiliates or employers, claims administrators, insurance companies, insurance brokers or agents, credit organisations, motor vehicle and driver licensing authorities, financial institutions, medical professionals, third parties who may be arranging insurance cover for a group that you are a part of, law enforcement, dispute resolution, statutory and regulatory bodies, marketing lists and industry databases, publicly available sources, etc. We may also collect personal information from you through the use of cookies when you visit our websites. Cookies are commonly used to make websites work more efficiently, to enrich the user experience, and to serve advertisements based on past visits to the website. Aon makes use of them for those purposes. To prevent these activities, you need to adjust the settings on your browser to refuse all cookies. Upon your request, we will take reasonable steps to let you know how we have sourced your personal information, unless it is obvious from the circumstances that you would know or would reasonably expect us to have the information (such as where we are dealing with your advisers). When you give Aon personal information about other individuals, we rely on you to make them aware that you will or may provide their personal information to us, the types of third parties we may provide it to, the relevant purposes we and those third parties will use it for, and how they can access it. If it is sensitive information, we rely on you to have obtained their consent on these matters. If you have not done either of these things, you must tell us before you provide the relevant information. What can happen if you don t provide us with your information? If you do not provide the information we request, we or those involved with the provision of the service or product may not be able to provide the appropriate type or level of service or product. Privacy Notice v To whom can we disclose your personal information? Aon discloses personal information to third parties who we believe are necessary to assist us in providing the relevant services and products to our clients or to enable them to offer their products and services to you. For instance, we disclose personal information to the relevant product provider and their representatives, our agents and contractors and related companies. We may also disclose your personal information to other parts of the Aon Group, both in Australia and overseas, for other purposes, such as analytics. Where we arrange premium funding to help spread the cost of your insurance premiums over the year, Aon discloses personal information to the premium funder. Disclosure may also be made to any government, law enforcement, dispute resolution, statutory or regulatory bodies in any country, or as required by a country s laws. In addition to our affiliates, we may disclose personal information to third parties such as contractors, agents, suppliers and service providers. These affiliates, members of the Aon Group and third parties may be based locally or they may be overseas, including but not limited to the United States of America, the United Kingdom, Ireland, India, Singapore and the Philippines. In circumstances where your personal information is disclosed overseas, Aon will generally take reasonable steps to ensure that we have arrangements in place with such parties that prevent them from using or disclosing personal information for any purposes other than our own. However, by providing your personal information to Aon, you acknowledge that we may not always be able to guarantee that overseas parties are subject to requirements similar to those contained in the Privacy Act and consent to the disclosure on that basis. If you would like further information about whether your information will be disclosed to overseas recipients, please contact the Privacy Officer at How can I access and correct my personal information or resolve my privacy issues? If you wish to seek access to or correct the personal information we collected or disclosed about you, please telephone or your Aon representative. The Aon Privacy Statement contains details about how to make a complaint about a breach of the Act and how we deal with complaints. If you would like a copy of the Aon Privacy Statement, please telephone or your Aon representative to request a copy, or access this at our website s privacy section at You can choose not to receive product and service offerings from us (including product or service offerings from us on behalf of our affiliates and business partners) or related bodies, by contacting our Privacy Officer at or your Aon representative. Our contact details The contact details for our Australian head office are as follows: Address: Level 33, 201 Kent Street, Sydney NSW 2000 Switchboard: Privacy Notice v
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