To: United Fortune Financial of (the “Licensee”)
(together the “Recipients”)

REFERRAL CONSENT

Where a Referrer is noted above, I/We hereby consent to the Referrer giving our name(s) and contact details to the Recipients, and any of their Representatives, within 5 business days after informing me/us that the Recipients are able to arrange a loan to purchase the goods noted above. The Referrer has only informed me/us that the Recipients are able to provide credit assistance and has not discussed any particular credit product. I/We further consent to the Recipients making contact with me/us within 10 business days after receiving the referral. I/We confirm that the Referrer has not charged me/us a fee for the referral and I/We have been informed that the Referrer may receive a commission or other benefit for or attributable to the referral which has been detailed below.

Commission or Other Benefit:  TBA

PRIVACY ACT CONSENT

The Recipient/s noted above collect from me/us (being each of the Applicants and Guarantors named in the application or any directors of companies named in the application) and from other persons described below, personal information about me/us, for the purposes of:

assessing the application for finance, the guarantee and any related insurance proposal;
sourcing and arranging finance and insurance; and
other activities relating to these activities.
For the same purposes, the Recipient/s may disclose this information to and collect further personal information about me/us from:

third parties identified in:
my/our application for finance or any related guarantee or related insurance proposal; or
applications for finance for a company of which I am a director or otherwise an interested party or any related guarantee or related insurance proposal;
guarantors or proposed guarantors identified in my/our application for finance;
one or more of the credit providers they use to arrange finance on my/our behalf (the “Credit Providers”).
I acknowledge that the Credit Providers to whom the Recipients may submit applications on my behalf and their website addresses are set out in the Schedule at the end of this document;
Credit Reporting Bodies, where I/we have authorised the Recipient/s to obtain a report on my/our behalf as set out in section 4 of this form below;
my/our car or finance broker; and
I/we acknowledge that where I/we have been resident in New Zealand the Recipients may also seek credit reports from relevant New Zealand credit reporting bodies in relation to my/our application. In this regard I/we consent to Recipients disclosing my/our personal information (other than Credit Eligibility Information) to an overseas recipient, located in New Zealand. This consent means that Recipients do not need to take such steps to ensure that overseas recipient does not breach the Australian Privacy Principles and if that overseas recipient handles the information in breach of the Australian Privacy Principles, Recipients will not be accountable for that breach and I/we will not be able to seek redress under the Privacy Act 1988 (Cth). I/we also acknowledge that even where I/we do not provide Recipients with my/our consent to this, Recipients may still disclose personal information about me/us to the overseas recipient. However, in those circumstances, Recipients will do so in accordance with their obligations under the Privacy Act 1988 (Cth). By signing this form below, I/we consent to this disclosure of my/our personal information to overseas recipients.
I/we acknowledge that where I/we have been resident in New Zealand the Recipients may also seek credit reports from relevant New Zealand credit reporting bodies in relation to my application.

For the same purposes, the Recipient/s may also disclose my/our personal information to:

suppliers of goods, mercantile agents, collection agencies, and insurers; and
the Recipient/s agents, contractors, external advisers and other service providers.
I/We agree that each of the Recipient/s may use and disclose my/our personal information to their related bodies corporate or to third party affiliates or partners and that the Recipients and their related bodies corporate and third party affiliates and partners may use and disclose this personal information to inform me/us about their products and services in the future by direct marketing. I understand that I can opt-out of receipt of such information if I/we contact the Recipients at the contact details set out below.

I/We acknowledge that if we do not provide the personal information requested, the Recipient/s or the Credit Providers may not be able to process my application for finance or insurance or assess whether to accept me as a guarantor.

I/We acknowledge that Credit Providers are required to collect certain personal information about me under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth).
I/We understand that the Recipient/s’ privacy policies, which include a Credit Policy (available from each Recipient/s’ Privacy Officer) contain information on how I/we are able to gain access to the personal information or Credit Eligibility Information held about me/us by the Recipient/s and seek correction of personal information, Credit Eligibility Information and Credit Information (subject to exceptions stated in the Privacy Act 1988 (Cth) (“the Privacy Act”)) and on how I/we may make a complaint about a breach of the Australian Privacy Principles set out in Division 3 of Part IIIA of the Privacy Act or the Credit Reporting Code of Conduct and how the Recipient/s will deal with my/our complaint.

I/We agree the Recipient/s may collect information about me/us including health information or information about my/our citizenship and country of birth, membership of a professional or trade association, membership of a trade union, criminal record or information about me/us where I/We are a politically exposed person under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 and use or disclose that information as necessary where I/We have applied for a product that requires that information.

I/We agree that, if we supply the Recipient/s or the Credit Providers with personal information about any third party (such as a referee), I/we will inform that third party of this fact. I/We acknowledge that the Credit Providers collect and use personal information about me/us for the following purposes:

assessing the application for finance, the guarantee or any related insurance proposal; and
(if the application is accepted) providing finance and ancillary services (such as insurance) to the applicant(s) and for the ongoing management of the finance, guarantees and ancillary services; and
collecting payments that are overdue in relation to the credit provided to me by the Credit Provider.
For those purposes, and subject to the Privacy Act, I/we consent to and agree that the Credit Providers may do all the following now and in the future:

Disclose my/our personal information to a credit reporting body and collect credit reports and information about my/our credit history and credit worthiness, including credit liabilities, repayments and defaults, from a credit reporting body (or a body that provides information on commercial activity and commercial credit worthiness) to assess my application for consumer credit or commercial credit or to assess whether to accept me as a guarantor. The relevant credit reporting bodies are likely to be either Veda Advantage (www.veda.com.au Telephone: 1300850211), Dun and Bradstreet (www.dnb.com.au Telephone: 1300734806) or Experian (www.experian.com.au Telephone: 1300784134).
Collect from and disclose to another credit provider named in the application for finance or in information otherwise obtained in relation to the application any personal information about me, including credit eligibility information about me/us in order to assess my application for consumer credit or commercial credit.
Collect from and disclose to any body which maintains a register of personal property securities (such as PPSR), any personal information about me/us, including any information about my/our creditworthiness, credit standing, credit history or credit capacity, the status of the finance and any default by me/us in accordance with the Privacy Act.
Collect from and disclose to any person or organisation identified in the application for finance, personal information about me/us.
Collect information about me/us from the Recipient/s including health information or information about my/our citizenship and country of birth, membership of a professional or trade association, membership of a trade union, criminal record or information about me/us where I/we are a politically exposed person under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 and use or disclose that information as necessary where I/we have applied for a product that requires that information.
Disclose to any guarantor or proposed guarantor of the application for finance, any information about the finance or personal information (including credit eligibility information) about me/us now or at any time in the future in order for the guarantor or proposed guarantor to consider whether to offer to act as guarantor in relation to the credit or to offer property as security for the credit.
Collect from and disclose personal information about me/us to the Credit Provider’s agents, contractors, external advisers as well as to suppliers of goods, mercantile agents, collection agencies and insurers, and my/our car or finance broker.
Disclose to the Recipient/s any credit decision made by the Credit Providers concerning my/our application for finance.
I/we acknowledge that each Credit Provider’s website will generally include information on how to contact the credit provider and how to obtain a copy of its privacy documents in a form that suits you (e.g. hard copy or email) and will generally also contain a statement about credit reporting, including information about the credit reporting bodies to which they may provide my/our personal information and that they may include my personal information in reports they provide to other credit providers and how:

I/we may obtain a copy of the policies about the management of credit related personal information of the Credit Providers and the credit reporting bodies;
if I/we fail to meet my/our payment obligations or commit a serious credit infringement, credit providers may be entitled to disclose this information to Credit Reporting Bodies; and
I/we may access my personal information (including credit eligibility information) held by the Credit Providers, and seek the correction of personal information (including credit eligibility information or Credit Information), complain about a breach of the Australian Privacy Principles or a failure to comply with Division 3 of Part IIIA of the Privacy Act or the Credit Reporting Code and how the Credit Providers will deal with such a complaint;
I/We have a right to request credit reporting bodies not to use my credit reporting information for the purposes of pre-screening of direct marketing and to not to use or disclose such information if I believe on reasonable grounds that I have been, or am likely to be, a victim of fraud ; and
I/We can request to have this statement made available in an alternative form – such as hard copy or by email.
I/we acknowledge that a Credit Provider who approves my/our application for finance will provide me/us with its own privacy disclosure statement and consent document should I/We decide to proceed with the offer for finance.

HOW TO CONTACT US

AUTHORISATION TO OBTAIN CREDIT REPORTS

I/We authorise the Recipients, who I/we acknowledge are assisting me/us to deal with credit reporting bodies, to make a request on my behalf to obtain my/our credit reporting information about my consumer and commercial credit worthiness from credit reporting bodies.
I/we acknowledge that in order for Credit Providers to verify my/our identity for the purposes of the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 in connection with this application:

the Credit Providers may disclose any or all of the following personal information to a credit reporting body:
my/our names;
my/our residential addresses;
my/our dates of birth; and
the Credit Providers may request a credit reporting body to provide an assessment of whether the personal information disclosed matches (in whole or part) personal information contained in credit reporting information about me/us in the possession or control of the credit reporting body (the Assessment); and
the credit reporting body may prepare and provide to the Credit Providers the Assessment and may use the personal information about me/us and the names, residential addresses and dates or birth contained in credit reporting information of other individuals, for the purpose of preparing the Assessment,
and I/we consent to the Credit Providers making the above request to a credit reporting body and the disclosure of my/our personal information.

ACCEPTANCE OF THIS CONSENT

Notwithstanding the terms of any consent given in this Referral & Privacy Act Consent, nothing in this Referral & Privacy Act Consent permits the Recipients or the Credit Providers to use or disclose credit eligibility information other than in accordance with the requirements of the Privacy Act 1988.

I/We solemnly and sincerely declare that I/We have read and accept and give all of the consents set out in this Referral and Privacy Act Consent form. I/we acknowledge that if I do not wish to give any of the consents set out in this Referral and Privacy Consent form, I can indicate this by striking out the relevant consent above and acknowledge that, if I do so, the Recipients may not be able to arrange finance or related insurances for me.

Definitions

All terms defined in the Privacy Act 1988 have the same meaning when used in this Referral & Privacy Act Consent.

SCHEDULE OF CREDIT PROVIDERS

Financier – Australian Business Number (ABN) – Website

ANZ – 11 005 357 522 – www.anz.com/privacy
Australian Premier Finance Company Pty Limited – 54 104 959 435 – www.australianpremierfinance.com.au
Automotive Financial Services Pty Limited – 73 003 622 375 – www.afs.com.au
Bank of Queensland Limited – 32 009 656 740 – www.boq.com.au
Capital Finance Australia Limited – 23 069 663 136 – www.capitalfinance.com.au
Citigroup Pty Limited – 88 004 325 080 – www.citibank.com.au
Commonwealth Bank of Australia – 48 123 123 124 – www.commbank.com.au
DirectMoney Finance Pty Ltd – 39 119 503 221 – www.directmoney.com.au
Evergreen Finance Company Pty Ltd – 35 126 481 865 – www.evergreenfinancecompany.com
Fin One Pty Ltd – 80 139 719 903 – www.finone.com.au
Flexirent Capital Pty Ltd – 93 064 046 046 – www.flexigroup.com.au
GE Personal Finance Pty Ltd – 54 008 443 810 – www.gemoney.com.au
Gogetta Equipment Funding Pty Ltd – 88 124 102 647 – www.gogetta.com.au
Green Light Auto Finance – 39 131 507 474 – www.greenlightauto.finance
Grow Equipment Finance Pty Ltd – 80 613 082 698 – www.growbiz.com.au
Macquarie Leasing Pty Ltd – 38 002 674 982 – www.macquarie.com.au
Money 3 Corporation Limited – 63 117 296 143 – www.money3.com.au
Morris Finance Ltd – 70 083 630 139 – www.morrisfinance.com.au
National Australia Bank Limited – 12 004 044 937 – www.nab.com.au
Pepper Asset Finance Pty Ltd – 56 165 183 317 – www.peppergroup.com.au
Prospa Advance Pty Ltd – 47 154 775 667 – www.prospa.com
R.A.C.V. Finance Limited – 82 004 292 291 – www.racv.com.au
Rent 2 Own Cars Australia Pty Ltd – 93 082 691 085 – www.rent2owncars.com.au
Secure Funding Pty Ltd – 25 081 982 872 – www.liberty.com.au
SELFCO – 58 099 591 616 – www.selfco.com.au
Service Finance Corporation Ltd – 93 077 860 256 – www.servicefinance.com.au
Silver Chef Rentals Pty Ltd – 33 112 241 522 – www.silverchef.com.au
St George Bank – 33 007 457 141 – www.stgeorge.com.au
Team Leasing Pty. Limited – 12 130 240 443 – www.teamleasing.com.au
Toyota Finance Australia Ltd – 48 002 435 181 – www.toyota.com.au/finance/
Volkswagen Financial Services Australia Limited – 20 097 071 460 – www.vwfs.com.au
Westpac Banking Corporation – 33 007 457 141 – www.westpac.com.au
Wingate Consumer Finance Pty Ltd – 35 158 703 612 – www.nowfinance.com.au
Yamaha Motor Finance Australia Pty. Ltd. – 29 101 928 670 – www.yamaha-motor.com.au

FINANCIAL SERVICES GUIDE

ABOUT THIS FINANCIAL SERVICES GUIDE
This Financial Services Guide (FSG) is designed to assist you to decide whether you wish to use any of the
services we provide. It contains information about how we and others are remunerated in relation to the
services, and about how you may access our internal and external dispute resolution procedures.
This guide is made up of:
Part 1 – containing information about us and the services we can provide to you; and
Part 2 – containing information relevant to each Australian Financial Services Licensee on whose behalf we
are authorised to act.
Please keep this document in a safe place for your future reference.
OTHER DISCLOSURE DOCUMENTATION
You may also receive one or more of a Statement of Advice (“SoA”) or General Advice Warning (“GAW”), and
a Product Disclosure Statement (“PDS”).
• A Statement of Advice contains information about any personal advice we give you so that you can make
an informed decision about whether or not you act upon it. Personal Advice is advice that takes into
account any one or more of your objectives, financial situation and needs. The Statement of Advice will
contain advice, the basis on which it is given and information about how we are remunerated, as well as
any associations or relationships which may have influenced the advice. A Statement of Advice must be
given at the same time, or as soon as practicable after, personal advice is provided.

• A General Advice Warning, if given, will warn you that any advice given is of a general nature and does
not take your personal needs, objectives or financial situation into account.

• If we make a recommendation that you acquire a particular financial product, or offer to issue, or arrange
the issue of a particular financial product to you, where required, we will also provide you with a Product
Disclosure Statement. A Product Disclosure Statement sets out the significant features of the product
as well as other information and details required by law to be included in a Product Disclosure Statement
and will assist you to compare and make an informed decision about whether to purchase the financial
product or not. We will give it to you before the financial product is provided.

PART 1
ABOUT YOUR FINANCIAL SERVICES AUTHORISED REPRESENTATIVE
United Financial Services (Qld) Pty. Limited ABN: 43 073 887 813 (“UFSQ”)
Authorised Representative number: 234385
PO Box 7220, Hemmant QLD 4174
Tel: 07 3908 0800
Fax: 07 3890 4150
Email: enquiries@ufsq.com.au
The person issuing this FSG is employed by United Financial Services (Qld) Pty Limited or by UFSQ’s agent.
UFSQ is a Corporate Authorised Representative of the Licensee(s) listed in PART 2 of this guide and is
authorised to provide the services detailed in that part on their behalf. This Financial Services Guide is
distributed under the authorisation of each of the licensees.

UFSQ 037 V1.27 05-15

United Financial Services (Qld.) Pty. Limited

GENERAL ADVICE WARNING
We are required to inform you that where an Authorising Licensee authorises us to give advice* we only give
General Advice and we warn you that:
• the advice given does not take into account your objectives, financial situation or needs; and

• because of this, you should, before acting on the advice, consider the appropriateness of the advice,
having regard to your objectives, financial situation and needs; and

• you should refer to the Product Disclosure Statement relating to the product and consider the Statement
before making any decision about whether to acquire the product.
[*The financial services and advice we are authorised to provide are contained in PART 2 of this FSG.]

REMUNERATION AND OTHER BENEFITS
You may be charged a fee for our services. We will tell you if this is the case and agree with you on the type
of fee to be charged, how it is to be calculated and when it is payable before we provide our service.
We may also receive a commission (or share of it) for our services from our licensees or the product issuer if
our licensee is not the product issuer.
In some cases we receive an upfront commission which is part of the total premium payable by you for the
product. It is a percentage of either the:
• Gross Written Premium (“GWP”) being the total amount of premium paid by the customer to the insurer in
respect of the insurance arranged, or

• Net Premium (“NP”) being GWP less stamp duty, fire services levy (where applicable), GST and any other
government charges, taxes, fees or levies.

The commission varies depending on the licensee, product issuer and product. Commission may be received
by us when we receive your premium or by the end of the month or such later time as agreed with the licensee
or product issuer. It is paid each time you buy or renew a policy and in some cases when you vary it.
We may receive all, or a share, of other forms of commission. These include profit share and volume bonus
commission. They are payments from the product issuer and/or licensee based, over an agreed period, on:
• the profit that they earn on certain business; and/or

• the volume of certain business we introduce to them, within an agreed period.

It may be a percentage of the profit (or levels of profit) or an agreed amount depending on the level of profit
achieved and may be paid monthly, quarterly, annually or as otherwise agreed.
Our representatives may also receive:

• an annual salary which may include additional remuneration based on performance against sales targets
and/or other performance criteria

• various soft dollar payments such as business related conferences, study trips, or other functions paid for
by the product issuers, our licensees or our principals.

Where a third party has referred you to us, we may share with them part of the amount of commission or fees
we receive in relation to the relevant product or service we provide to you or pay them an agreed referral fee.
Further details of the remuneration (including commission) and benefits we may receive that are particular to
each licensee are set out in PART 2.
IF YOU HAVE A COMPLAINT OR DISPUTE
If you have a complaint or dispute, whether or not we are able to resolve your problem ourselves, we are
obliged to promptly refer them to the relevant Licensee. All Licensees have internal dispute resolution
procedures and are required to be a member of an ASIC approved external dispute resolution service
(“EDRS”). If we or the Licensee are unable to resolve your complaint internally it will be referred to their EDRS
which may be able to resolve the dispute. Please refer to Parts 2 and 3 for further details.
HOW YOU CAN PROVIDE INSTRUCTIONS TO US
If you want to provide us with instructions in relation to the financial services and products we can offer, contact
us using the details provided above.

UFSQ 037 V1.27 05-15

United Financial Services (Qld.) Pty. Limited
PART 2
LICENSEE DETAILS
Part 2 sets out details of:
• The Australian Financial Service licensee(s) on whose behalf we are authorised to act;
• The kinds of financial services we are authorised to provide for them and the financial products to which
they relate;
• Any relevant associations or relationships which may influence us in providing our services;
• Further remuneration details; and
• Other relevant information.

We are authorised to provide financial services on behalf of the following licensees:

• Australian Warranty Network Pty Ltd AFSL 246469
• AVEA Insurance Limited AFSL 238279
• Club Marine Limited AFSL 236916
• MTA Insurance Limited AFSL 239912
• Swann Insurance (Aust) Pty Ltd AFSL 238292
We also act as a distributor to provide financial services on behalf of the following licensees:
• AAI Limited trading as Suncorp Insurance AFSL 230859

Please refer to Part 3; Distributor Details, for further information.
Please note that where we act as a distributor we are not an authorised representative of the licensee.

UFSQ 037 V1.27 05-15

United Financial Services (Qld.) Pty. Limited

AUSTRALIAN WARRANTY NETWORK PTY LTD (“AWN”)
ABN: 78 075 783 206
AFSL No: 246469
Address: AWN Corporate Centre, 3801-3803 Pacific Highway, Tanah Merah QLD 4128
Tel: 07 3802 5577
Fax: 07 3801 1539
Email:
Authorised Financial Service
We are authorised to do the following on behalf of AWN in accordance with the terms of our agreement with
them:
• Issue, apply for, acquire, vary or dispose of the financial products listed below. There is no binding
authority which means that only the product issuer can agree to issue, vary or dispose of these products.
• Provide general financial product advice (but NOT personal financial product advice) in relation to the
financial products listed below

HOW WE ARE PAID
The following sets out further details of the relevant remuneration payable by the licensee in relation to the
provision of financial services.
AWN PRODUCTS

COMMISSION RATE

Vehicle Warranty Insurance

Up to 67% of the retail price

OTHER REMUNERATION, COMMISSIONS AND LIMITS
As stated in Part 1 of this FSG, we may also receive a volume bonus or additional commission from AWN.
This may be a percentage of the retail price or an agreed dollar amount. These amounts maybe based on the
volume of business we generate, our achievement of agreed sales targets and/or market forces within the
industry. All these factors may vary from time to time. These amounts will be paid periodically and will not
exceed 10% of the total amount that you pay.
We may receive items and prizes from AWN’s Reward Program. These include corporate conferences, caps,
shirts, jackets, pens and other miscellaneous items.
We may also be provided with other benefits such as point of sale advertising and marketing materials to assist
in the sale, marketing and promotion of AWN products.

DISPUTE RESOLUTION
If you have a complaint or dispute we are obliged to promptly refer it to the relevant Licensee. AWN will have
an internal dispute resolution procedure and is a member of an ASIC approved external dispute resolution
service (“EDRS”).
AWN is a member of Financial Ombudsman Service Ltd (FOS), an EDRS.
If AWN is unable to resolve your complaint you can contact FOS on 1300 780 808 and they will consider your
complaint. This is a free service.

UFSQ 037 V1.27 05-15

United Financial Services (Qld.) Pty. Limited

AVEA INSURANCE LIMITED (“AVEA”)
ABN 18 009 129 793
AFSL No: 238279
PO Box 116
Berwick, VIC 3806
Tel: 1800 999 977
Fax: 03 8878 1881
Email: aveainsurance@avea.com.au
Authorised Financial Service
We are authorised to do the following on behalf of AVEA in accordance with the terms of our agreement with
them:
• Issue, apply for, acquire, vary or dispose of the financial products listed below. There is no binding
authority which means that only the product issuer can agree to issue, vary or dispose of these
products
• Provide general financial product advice (but NOT personal financial product advice) in relation to
the financial products listed below.
ASSOCIATIONS OR RELATIONSHIPS
Avea acts under a distributor arrangement with MetLife Insurance Limited ABN 75 004 274 882 AFSL
238096 (Metlife) whereby Metlife is the issuer and underwriter of any life insurance component of an Avea
Consumer Credit Insurance (CCI) product sold to you by Avea or its authorised representatives.
For details of the remuneration of TPI(s), Authorised Representative(s) and other parties they contract with
(and their employees) in relation to the life insurance component of an Avea CCI product, see below.
National Insurance Choice (ABN 85 114 352 680) or Motorsure Pty Ltd (ABN 14 086 238 557) act as a The
Third Party Introducer of Avea’s products to us and provides these services under authority from Avea.
What remuneration is payable in relation to the financial services we provide?
The following sets out further details of the relevant remuneration payable by the licensee in relation to the
provision of our financial services.
AVEA AND ITS EMPLOYEES
Avea receives the premium you agree to pay for the product which may include amounts in relation to
stamp duty, GST, fire services levy and/or other government charges, taxes, fees or levies (where
relevant). Avea employees receive a salary from Avea and may receive bonuses, and incentives.
THIRD PARTY INTRODUCER (TPI), AUTHORISED REPRESENTATIVE(S) AND OTHER PARTIES THEY
CONTRACT WITH (AND THEIR EMPLOYEES)
Avea retains an agreed amount of the premium dependent on factors such as the type of product and
coverage and the relevant TPI’s services and retains the amount of premium received in relation to
relevant taxes, charges and levies. The TPI receives the difference between that amount and the
premium paid.
In addition to other parties that contract with the TPI to undertake some or all of the TPI’s duties(where
relevant), we will receive a share of the amount that the TPI receives from Avea, in the form of an agreed
commission and/or fee between the TPI and us and/or other party (as relevant).
Employees of the TPI and/or the Authorised Representative(s) (including directors and subcontractors) may
be paid a salary for their services and may also receive bonuses based on the volume of sales of all financial
products over a period and may participate in profit sharing arrangements, business related conferences, study
trips or other functions. The TPI and/or Authorised Representatives may share or pass on a proportion of any
additional remuneration or other benefits they receive to their authorised staff.
Where a third party has referred you to the TPI, Authorised Representative or another party they contract with,
that party may share with them a part of the amount it earns.

UFSQ 037 V1.27 05-15

United Financial Services (Qld.) Pty. Limited

All of the above remuneration is taken from the premium paid by you. This remuneration may also be received
on premium paid when you renew or vary your insurance.
If you would like more information about the remuneration that we or other entities receive in relation to the
above services, please ask us. The request should be made within a reasonable time after this FSG is provided
to you and before we provide you with a financial service to which this FSG relates.
DISPUTE RESOLUTION
Avea has an internal procedure for Dispute Resolution so that if at any time Avea’s products or services
(including our services, when acting on behalf of Avea) have not satisfied your expectations you can contact
Avea. If you have a complaint, please give Avea every opportunity to try to resolve your complaint. Avea has
a two-step Internal Complaints process as required by the General Insurance Code of Practice. Please contact
Avea using the above contact details or seek further information at www.avea.com.au if you have further
A dispute can be referred to the Financial Ombudsman Service (FOS) subject to its terms of reference. It
provides a free and independent dispute resolution service for consumers who have general insurance
disputes falling within its terms and its contact details are:
The Financial Ombudsman Service
Local call: 1300 780 808
Post: GPO Box 3, Melbourne, Victoria 3001
Website: www.fos.org.au

UFSQ 037 V1.27 05-15

United Financial Services (Qld.) Pty. Limited

CLUB MARINE LIMITED (“Club Marine”)
ABN 12 007 588 347
AFSL No: 236916
Address: 40 the Esplanade, Brighton VIC 3186
Tel: 1300 00CLUB (2582)
Fax: 03 8615 8178
Email: vic@clubmarine.com.au
Authorised Financial Service
We are authorised to do the following on behalf of Club Marine in accordance with the terms of our agreement
with them:
• Arrange, issue, apply for, acquire, vary or dispose of the financial products listed below. There is no binding
authority which means that only the product issuer can agree to issue, vary or dispose of this product.
• Provide these services on a general financial product advice basis (but not personal advice).

ASSOCIATIONS OR RELATIONSHIPS
Club Marine is an agent of the insurers Allianz Australia Insurance Limited (“Allianz”) ABN 15 000 122 850
AFSL 234708 and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFSL 296559 (“Allianz Life”)
and is a member of the Allianz Group.
HOW WE ARE PAID
The following sets out further details of the relevant remuneration we may receive from the licensee in relation
to the provision of our financial services.
CLUB MARINE PRODUCTS

COMMISSION RATE

Pleasurecraft Insurance Up to 30% of Net Premium
Pleasurecraft Equity Insurance Up to 55% of Net Premium
Loan Protection Insurance Up to 20% of Net Premium

OTHER REMUNERATION, COMMISSIONS AND LIMITS
Club Marine may also charge you an administration fee when you first enter into a policy and on variation,
renewal or cancellation. The amount ranges up to $50 depending on circumstances.
From time to time we may participate is sales incentive schemes and/or competitions and may receive
promotional items or financial assistance to assist with the promotion of Allianz and Allianz Life products. The
benefits received from these sales incentive schemes and/or competitions will not exceed 5% of the combined
annual Pleasurecraft Insurance and Pleasurecraft Equity Insurance net premium.
Our representative may share in our commission and/or be paid a salary. They may receive bonuses or other
incentives and rewards depending on their performance relating to the sale of products and other business
criteria.
DISPUTE RESOLUTION
If you have a complaint or dispute we are obliged to promptly refer it to the relevant Licensee. Club Marine will
have an internal dispute resolution procedure and is a member of an ASIC approved external dispute resolution
service (“EDRS”).
Club Marine is a member of Financial Ombudsman Service Ltd (FOS), an EDRS.
If Club Marine is unable to resolve your complaint you can contact FOS on 1300 780 808 and they will consider
your complaint. This is a free service.

UFSQ 037 V1.27 05-15

United Financial Services (Qld.) Pty. Limited

MTA INSURANCE LIMITED (“MTA”)
ABN 35 070 583 701
AFSL No: 239912
Address: Building 23 Garden City Office Park, 2404 Logan Road
Eight Mile Plain QLD 4113
Tel: 07 3392 1366
Fax: 07 3392 1367
Email: enquiries@mtai.com.au
Authorised Financial Service
We are authorised to do the following on behalf of MTA in accordance with the terms of our agreement with
them:
• Issue, apply for, acquire, vary or dispose of the financial products listed below. There is no binding authority
which means that only the product issuer can agree to issue, vary or dispose of these products
• Provide general financial product advice (but NOT personal financial product advice) in relation to the
financial products listed below

ASSOCIATIONS OR RELATIONSHIPS
MTA Insurance has an arrangement with AAI Limited and Suncorp where it distributes products branded
MTA Insurance. MTA Insurance is a wholly owned subsidiary of AAI Limited and a related body corporate of
Suncorp.
MTA Insurance may receive operational support services and other resources from AAI Limited and its
related bodies corporate.
MTA Insurance is given a binding authority to arrange the issue of insurance policies on behalf of both AAI
Limited and Suncorp which means it can approve and accept an application for insurance, it also handles
general insurance claims on behalf of AAI Limited. In providing any services under the binder, MTA act on
behalf of AAI Limited and Suncorp and not on your behalf.
The Corporations Act (Cth) 2001 requires Australian Financial Services Licensees to have arrangements for
compensating retail clients for losses they suffer as a result of a breach by the licensee or its representatives
of Chapter 7 of this Act, unless an exemption applies.
MTA Insurance has compensation arrangements in place.

HOW WE ARE PAID
The following sets out further details of the relevant remuneration payable by the licensee in relation to the
provision of financial services.
MTA PRODUCTS

COMMISSION RATE

Consumer Credit Insurance Up to 20% of GWP
Consumer Credit Insurance (business purpose) Up to 30% of GWP
Equity Plus Insurance Up to 56% of GWP
Cash Benefit Insurance Up to 51% of GWP

OTHER REMUNERATION, COMMISSIONS AND LIMITS
The following additional benefits are paid by MTA Insurance Limited.
Equity Plus Insurance/Cash Benefit Insurance:
Our employee, contractor, director or associates who arrange insurance may receive a benefit paid monthly
ranging from 2.89% to 7.19% of the total amount you pay (including premium, GST and govt. charges). This
benefit may be taken in a number of ways including non-cash benefits to an equal value.
We may also receive a bonus which is based on the volume of business we generate and achievement of
sales targets. These factors may vary from time to time. The bonus is paid periodically and will not exceed
13.8% of the premium (excludes Consumer Credit Insurance (CCI)).
We may also participate in sales incentive schemes, competitions or promotions from time to time or on an
ongoing basis.
UFSQ 037 V1.27 05-15

United Financial Services (Qld.) Pty. Limited

Our authorised sales staff receive a salary and share in a proportion of the commission, bonus and/or sales
incentives, however such payments will not exceed the amounts paid to us by MTA Insurance.

DISPUTE RESOLUTION
If you have a complaint or dispute we are obliged to promptly refer it to the relevant Licensee. MTA will have
an internal dispute resolution procedure and is a member of an ASIC approved external dispute resolution
service (“EDRS”).
MTA is a member of Financial Ombudsman Service Ltd (FOS), an EDRS.
If MTA is unable to resolve your complaint you can contact FOS on 1300 780 808 and they will consider your
complaint. This is a free service.

UFSQ 037 V1.27 05-15

United Financial Services (Qld.) Pty. Limited

SWANN INSURANCE (AUST) PTY LTD (“Swann”)
About this Financial Services Guide (FSG)
This FSG is designed to assist you in deciding whether to use the financial services we provide. It explains
the kinds of financial services we provide and contains general information about us, how we are paid and
the dispute resolution procedures available to you and how to access them.

Other Documents You May Receive
You may also receive one or more Product Disclosure Statements (PDS) if we recommend that you acquire
a policy or offer to arrange for a policy to be issued to you. The PDS contains information about the
significant benefits and features of the insurance policy and of the rights, terms and conditions attaching to
the policy. It is aimed at assisting you to compare insurance products so that you can make an informed
choice about whether to acquire the product.

Name of authorised representative and licensee
Company UNITED FINANCIAL SERVICES (QLD) PTY. LIMITED
ABN: 43073887813
Authorised Representative No: 234385
Address. 6/20 RIVERGATE PLACE, MURARRIE, QLD 4172
Phone: 07 3908 0800
Email: darren.hughes@ufsq.com.au
Licensee
We are the Authorised Representative of Swann Insurance (Aust) Pty Ltd AFS License No: 238292 (Swann).
We are authorised to provide the financial services set out in this FSG and act as Swann’s agent. Swann is
an APRA regulated licensee. While this means that Swann is exempt from the need to have ASIC approved
professional indemnity insurance, Swann holds adequate professional indemnity insurance. Its contact
details are:

Address: Level 14, 181 William Street, Melbourne, VIC, 3000
Phone: 03 9279 5000

This Financial Service Guide was prepared on 10/02/2016 and is authorised, by Swann Insurance (Aust) Pty
Ltd, for distribution.
Remuneration and other benefits
We receive commission from our licensee. The commission is a percentage of the premium paid by you, less
any taxes or government charges and is detailed in this FSG. Commission may also be paid when you
renew or vary your insurance. If a policy has been financed, the finance provider may also receive a
commission from the licensee which is at no extra cost to you.
Where a third party has referred you to us, we may share with them a part of the commission we earn. Any
commission we pay to a referrer is at no extra cost to you.
We may also charge a fee for our services to you. Any such fee we charge is an additional cost to you and is
detailed in this FSG.
Later in this FSG it sets out more detailed information regarding our remuneration, including commission,
from our licensee and associated business partners. If you require more detailed information on our fees or
remuneration, please ask us.
Our staff who provide the authorised financial services are paid a salary for their services and may also
receive bonuses based on the volume of sales of all financial products over a period. Swann may provide
other benefits, such as profit sharing arrangements, business related conferences, study trips or other
UFSQ 037 V1.27 05-15

United Financial Services (Qld.) Pty. Limited

functions. We (including our directors, staff and subcontractors) may also be eligible to qualify for other
benefits such as awards or hospitality events. These are provided to us at no additional cost to you.
General financial product advice
Any financial product advice we may provide to you will be of a general nature only and has not taken your
personal needs, objectives or financial situation into account. We therefore recommend that you carefully
read the Product Disclosure Statement and Policy documentation provided by Swann and any other
information before making your decision.

Complaints
If you have a complaint or dispute about the financial services we provide, please contact us using the
contact details above. We will attempt to resolve the issue and we will also refer it to Swann. If we or Swann
are unable to resolve your complaint internally you may refer your dispute to the Financial Ombudsman
Service which is an ASIC approved independent external dispute resolution service. This service is free of
charge.

Products we are authorised to provide

Commission payable (% of premiums paid, net of
tax and govt charges)

Motor Vehicle Insurance Up to 30% of NP
Motor Cycle Insurance Up to 20% of NP
Motor Cycle Insurance (Off-Road Rider) Up to 30% of NP
Loan Protection Insurance Up to 20% of NP
Gap Cover Insurance Up to 51% of NP
Tyre & Rim Insurance Up to 50% of NP
Motor Cycle Tyre and Rim Insurance Up to 42% of NP

Authorised financial services
On behalf of Swann and in accordance with the terms of our agreement with them, we are authorised to do
the following:
– Arrange for the application for, acquisition, issue, variation or disposal of the financial products listed in this
FSG. There is no binding authority which means that only the product issuer can agree to issue, vary or
dispose of these products.
– We are authorised to provide general financial product advice (but not personal financial product advice) in
relation to the financial products listed in this FSG.

Other remuneration, commission and benefits
In addition to the remuneration noted above, we may also receive additional commission or other benefits
from Swann, for example:
– A volume bonus based on the profit Swann earns from each product,
– The volume of business we generate,
– Achievement of agreed sales targets,
– Market forces within the industry,
– Other benefits from Swann underwritten products such as materials, services and/or payments to assist in
the sale, marketing and promotion of Swann products,
– Sales and product training for our staff to provide them with the necessary expertise to sell the products,
– Point of sale marketing materials and financial contributions to cover the cost of advertising, printing and
computer equipment, and
– We may participate in sales incentive schemes, competitions or promotions from time to time or on an ongoing
basis.
These factors may vary from time to time and the volume bonus is earned and paid periodically. Our
participation in these benefits is at no additional cost to you.
In addition to their salary, we may share or pass on a proportion of the commission, volume bonus and sales
incentives to our authorised sales staff. Such payments will not exceed the amounts paid to us by Swann.

UFSQ 037 V1.27 05-15

United Financial Services (Qld.) Pty. Limited

PART 3 DISTRIBUTOR DETAILS
Distributor Disclosure
About us and who we act for
United Financial Services (QLD) Pty. Limited ABN 43 073 887 813
6/20 Rivergate Place Murrarrie QLD 4172
We are authorised to provide a service of dealing in certain financial products on behalf of:
AAI Limited trading as Suncorp Insurance (the Insurer) ABN 48 005 297 807
AFSL No. 230859
Level 18, 36 Wickham Terrace, Brisbane QLD 4000
Phone: 13 11 55
How we are paid
From the premium that you pay the Insurer, we will receive remuneration at the rates displayed in the table
below. The rate is calculated based on the premium (exclusive of government charges) for each product. We
will usually receive this amount at the end of the month following payment of the premium.
Any remuneration we receive is not charged directly to you.
Product

Commission rate %

Motor insurance issued by the Insurer

Up to 31.5%

From time to time we may also receive sponsorship and additional rewards from competitions and promotions.
If you have a complaint
Should you be dissatisfied with our service, please tell us. Alternatively you can contact the Insurer in any of
the following ways:
Phone: 1800 689 762
Fax: 1300 767 337
Email: customer.relations@suncorp.com.au
Mail: Reply Paid 1453
Customer Relations Unit RE058
GPO Box 1453
Brisbane QLD 4001
If you are not satisfied with the Insurer’s final decision or if the Insurer has not been able to resolve the
complaint to your satisfaction within 45 days you may be able to take the complaint to the Financial
Ombudsman Service (“the FOS”). The FOS is an independent external dispute resolution scheme and its
service is free to customers of the Insurer. We agree to accept a FOS decision however you have the right to
take legal action if you do not accept their decision.
The FOS will tell you if they can help you, as their services are not available to all customers.
You can contact FOS:
By phone: 1300 780 808 (for the cost of a local call)
By Fax: (03) 9613 6399
By email: info@fos.org.au
In writing: Financial Ombudsman Service
GPO Box 3
Melbourne VIC 3001
By visiting: www.fos.org.au

UFSQ 037 V1.27 05-15

United Financial Services (Qld.) Pty. Limited

CREDIT GUIDE
ABOUT THIS CREDIT GUIDE
This Credit Guide is given by United Financial Services (Qld) Pty. Limited ABN 43 073 887 813 Australian credit licence
386930 (the “Licensee”, “we”, “us”, “our”, “UFSQ”) and is designed to assist you to decide whether to engage us to provide
credit assistance in relation to credit contracts.
As a licensed credit assistance provider, we are required to give you a Credit Guide as soon as practicable after it
becomes apparent to us that we may provide assistance to you in relation to a credit contract.
The guide includes information about us, our responsible lending obligations, the names of the credit providers with whom
we conduct most of our business with, our fees, charges, and any commissions we may receive, and our dispute resolution
process.
OUR OBLIGATIONS BEFORE PROVIDING CREDIT TO YOU
Under the National Consumer Credit Protection Act (NCCP), we cannot provide credit assistance to you by:

suggesting that you apply for a particular credit contract with a particular credit provider;
suggesting that you apply for an increase to the credit limit of a particular credit contract with a particular credit
provider; or
assisting you to do so, if the contract will be unsuitable for you.

The contract will be unsuitable for you if, at the time the contract is entered into or the credit limit is increased, it is likely
that:

· you will be unable to comply with your financial obligations under the contract, or could only comply with substantial
hardship; or
the contract will not meet your requirements or objectives.

· We must make a preliminary assessment whether the contract will be unsuitable for you before we can provide credit
assistance to you.
To help us to make this assessment we will:

· make inquiries about your financial situation and requirements and objectives that we believe are relevant to the credit
you are applying for; and
· take reasonable steps to verify your financial information – for instance by asking for evidence of your income; and
· use this information to determine whether the credit contract is unsuitable for you.

You can request a copy of our preliminary assessment. We must give you a copy (at no charge to you):

· within 15 business days, if your request is made within 2 years of our credit assistance quote; and
· otherwise within 25 business days of your request.

We do not need to give you a copy of the preliminary assessment if we did not provide credit assistance to you or your
request is made more than 7 years after we provided credit assistance to you.
OUR FEES AND CHARGES
Consumers will be liable to pay the following fees and charges to us for our credit assistance or matters associated with
providing credit assistance:
Name of Fee or

Explanation

Maximum Amount

Charge
Origination Fee

551 v1.1 03/12

Represents licensees cost to
provide credit assistance

$1000.00 including
GST subject to the
maximum origination
fee allowable under
the credit contract

1 of 3

Frequency of

Circumstances

Payment

when it is payable

Once Only

Only if you proceed
with a credit contract

CREDIT PROVIDERS WITH WHOM WE CONDUCT BUSINESS
We conduct business with more than six (6) credit providers when providing credit assistance in relation to credit contracts.
The names of the six (6) credit providers with whom we conduct most of our business are noted below:
Name

ABN

Australian Credit
Licence Number

Australia And New Zealand Banking Group Limited (ANZ)

11 005 357 522

ACL

234527

Automotive Financial Services (AFS)

73 003 622 375

ACL

383762

Macquarie Leasing Pty Ltd (Macquarie Leasing)

38 002 674 982

ACL

394925

Secure Funding (Secure)

25 081 982 872

ACL

388133

St George Bank (St George)

33 007 457 141

ACL

233714

Yamaha Motor Finance Australia Pty. Ltd. (AMF)

29 101 928 670

ACL

394553

COMMISSIONS
When you enter into a credit contract, we are likely to receive a commission, directly or indirectly, from the credit provider in
relation to the credit contract for which we have provided credit assistance. We have also entered into a volume bonus
arrangement with each of the credit providers with whom we conduct business, either directly or indirectly, and may receive
additional commissions depending on the total volume of business that we arrange with each of the credit providers. The
volume bonus arrangements are payable by the credit provider to us as the licensee.
You may obtain additional information from us about the fees and charges payable by you, the commission likely to be
received by us or the volume bonus arrangements in place, on request. This includes obtaining information about how fees
and charges payable by you are worked out and a reasonable estimate of the commissions likely to be received by us and
how the commission is worked out.
PAYMENTS TO THIRD PARTIES
A commission is likely to be paid to a third party for the introduction of credit business or business proposed to be financed
by the credit contract or consumer lease if credit assistance is provided through one of the following classes of persons:

a Licensed Finance Broker;
a Credit Representative of ours; or
a Referrer (usually being the supplier of the goods).

You may obtain from us a reasonable estimate of the amount of commission and how it is worked out on request.
HOW WE RESOLVE DISPUTES
We welcome every opportunity to resolve any concerns you may have with our products or service. If you have a
complaint, are not happy with our service or just want more information, you should tell us. By telling us, you give us the
best possible opportunity of fixing things. In the first instance, contact our Customer Service Team by calling (07) 3908
0800. If you are not satisfied with their response you can request that their manager address your concern.
INTERNAL DISPUTE RESOLUTION
If your concern is still not resolved to your satisfaction please write to our Internal Dispute Resolution Committee at United
Financial Services (Qld) Pty. Limited Po Box 7220 HEMMANT QLD 4174. Your concern will be reviewed by our IDR
Committee, which has authority to deal with the matter.
We will inform you of the outcome within 45 days or receiving your dispute or complaint.
EXTERNAL DISPUTE RESOLUTION
If your concern still remains unresolved to your satisfaction you can direct your issue for further review to the Credit and
Investments Ombudsman Limited (CIO), an external review scheme to which we belong.
External dispute resolution is a free service established to provide you with an independent mechanism to resolve your
specific complaints. However, you must attempt to resolve your complaint with us before contacting our external dispute
resolution scheme.

551 v1.1 03/12

2 of 3

Credit and Investments Ombudsman Limited (CIO)
Mail: Case Management Team
C/- Credit and Investments Ombudsman Limited
PO Box A252 SYDNEY SOUTH NSW 1235

Telephone: 1800 138 422
Fax: (02) 9273 8440
Email:

To lodge a dispute online go to www.cio.org.au

Further information regarding CIO including their Terms of Reference is available from their office or on their website.
HOW TO CONTACT US
United Financial Services (Qld) Pty. Limited
ABN 43 073 887 813 Australian credit licence 386930
Phone:
Fax:
Writing:
Emailing:

551 v1.1 03/12

(07) 3908 0800
(07) 3890 4150
United Financial Services (Qld) Pty. Limited
Po Box 7220 HEMMANT QLD 4174
enquiries@ufsq.com.au

3 of 3

CREDIT GUIDE
ABOUT THIS CREDIT GUIDE
This Credit Guide is given by United Fortune Financial Pty Ltd ACN 613 538 828 Australian credit licence 503721 (the
“Licensee”) and is designed to assist you to decide whether to engage us to provide credit assistance in relation
to credit contracts.
As a licensed credit assistance provider, we are required to give you a Credit Guide as soon as practicable after it
becomes apparent to us that we may provide assistance to you in relation to a credit contract.
The guide includes information about us, our responsible lending obligations, the names of the credit providers with whom
we conduct most of our business with, our fees, charges, and any commissions we may receive, and our dispute resolution
process.
OUR OBLIGATIONS BEFORE PROVIDING CREDIT TO YOU
Under the National Consumer Credit Protection Act (NCCP), we cannot provide credit assistance to you by:

suggesting that you apply for a particular credit contract with a particular credit provider;
suggesting that you apply for an increase to the credit limit of a particular credit contract with a particular credit
provider; or
assisting you to do so, if the contract will be unsuitable for you.

The contract will be unsuitable for you if, at the time the contract is entered into or the credit limit is increased, it is likely
that:

you will be unable to comply with your financial obligations under the contract, or could only comply with substantial
hardship; or
the contract will not meet your requirements or objectives.

We must make a preliminary assessment whether the contract will be unsuitable for you before we can provide credit
assistance to you.
To help us to make this assessment we will:

make inquiries about your financial situation and requirements and objectives that we believe are relevant to the credit
you are applying for; and
take reasonable steps to verify your financial information – for instance by asking for evidence of your income; and
use this information to determine whether the credit contract is unsuitable for you.

You can request a copy of our preliminary assessment. We must give you a copy (at no charge to you):

within 15 business days, if your request is made within 2 years of our credit assistance quote; and
otherwise within 25 business days of your request.

We do not need to give you a copy of the preliminary assessment if we did not provide credit assistance to you or your
request is made more than 7 years after we provided credit assistance to you.
OUR FEES AND CHARGES
Consumers will be liable to pay the following fees and charges for our credit assistance or matters associated with
providing credit assistance:
Name of Fee or

Explanation

Maximum Amount

Charge
Origination Fee

556 v1.1 03/12

Represents the fee payable
to provide credit assistance
to you

$1000.00 including
GST subject to the
maximum origination
fee allowable under
the credit contract

1 of 3

Frequency of

Circumstances

Payment

when it is payable

Once Only

Only if you proceed
with a credit contract

CREDIT PROVIDERS WITH WHOM WE CONDUCT BUSINESS
We conduct business with more than six (6) credit providers when providing credit assistance in relation to credit contracts.
The names of the six (6) credit providers with whom we conduct most of our business are noted below:
Name

ABN

Australian Credit
Licence Number

Australia And New Zealand Banking Group Limited (ANZ)

11 005 357 522

ACL

234527

Automotive Financial Services (AFS)

73 003 622 375

ACL

383762

Macquarie Leasing Pty Ltd (Macquarie Leasing)

38 002 674 982

ACL

394925

Secure Funding (Secure)

25 081 982 872

ACL

388133

St George Bank (St George)

33 007 457 141

ACL

233714

Yamaha Motor Finance Australia Pty. Ltd. (AMF)

29 101 928 670

ACL

394553

COMMISSIONS
When you enter into a credit contract, we are likely to receive a commission, directly or indirectly, from the credit provider in
relation to the credit contract for which we have provided credit assistance.
You may obtain additional information from us about the fees and charges payable by you, the commission likely to be
received by us or the volume bonus arrangements in place, on request. This includes obtaining information about how fees
and charges payable by you are worked out and a reasonable estimate of the commissions likely to be received by us and
how the commission is worked out.
PAYMENTS TO THIRD PARTIES
A commission is likely to be paid to a third party for the introduction of credit business or business proposed to be financed
by the credit contract or consumer lease if credit assistance is provided through one of the following classes of persons:

a Licensed Finance Broker;
a Credit Representative of ours; or
a Referrer (usually being the supplier of the goods).

You may obtain from us a reasonable estimate of the amount of commission and how it is worked out on request.
HOW WE RESOLVE DISPUTES
We welcome every opportunity to resolve any concerns you may have with our products or service. If you have a
complaint, are not happy with our service or just want more information, you should tell us. By telling us, you give us the
best possible opportunity of fixing things. In the first instance, contact our Customer Service Team by calling . If you are not
satisfied with their response you can request that their manager address your concern.
INTERNAL DISPUTE RESOLUTION
If your concern is still not resolved to your satisfaction please write to our Internal Dispute Resolution Committee at United Fortune Financial Pty Ltd. Your concern will be reviewed by our IDR Committee, which has authority to deal with the matter.
We will inform you of the outcome within 45 days or receiving your dispute or complaint.
EXTERNAL DISPUTE RESOLUTION
If your concern still remains unresolved to your satisfaction you can direct your issue for further review to the Credit and
Investments Ombudsman Limited (CIO), an external review scheme to which we belong.
External dispute resolution is a free service established to provide you with an independent mechanism to resolve your
specific complaints. However, you must attempt to resolve your complaint with us before contacting our external dispute
resolution scheme.

556 v1.1 03/12

2 of 3

Credit and Investments Ombudsman Limited (CIO)
Mail: Case Management Team
C/- Credit and Investments Ombudsman Limited
PO Box A252 SYDNEY SOUTH NSW 1235

Telephone: 1800 138 422
Fax: (02) 9273 8440
Email:

To lodge a dispute online go to www.cio.org.au

Further information regarding CIO including their Terms of Reference is available from their office or on their website.

HOW TO CONTACT US
United Fortune Financial Pty Ltd
ACN 613 538 828 Australian credit licence 503721
United Fortune Financial Pty Ltd

kenny@uffinance.com.au