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 referred to in this FSG that are provided by Rentsure Pty Limited (Rentsure) and Delaney Kelly Golding Pty Limited (DKG). ABN 35 000 663 221 AFS Licence no. 231146
This FSG contains general information about how we, and others are remunerated in relation to those services and information about how you may access our internal and external dispute resolution procedures. It also sets out other information and details required by law to be included.
We trust it will assist you in deciding whether to use our services.
This FSG has been prepared and is distributed under DKG’s authorisation. It applies from 14 March 2012 and remains valid unless a further FSG is issued to replace it.
We will provide you with further information whenever we provide you with advice which takes into account your objectives, financial situation and needs. This information may include the advice that we have given you, the basis of the advice and other information on our remuneration and any relevant associations or interests. This information may be contained in a Statement of Advice (SOA).
Where we provide general advice service we provide a general recommendation or opinion to you on the relevant product which is not based on a consideration by us of your personal needs.
You should consider whether our general advice is appropriate having regard to those matters and obtain a Product Disclosure Statement (PDS) for the recommended product before making a decision whether to acquire it.
If we offer to arrange the issue of an insurance policy to you, we will also provide you with, or pass on to you a PDS unless you already have an up to date PDS from the insurer.
Rentsure may also charge you a fee for issuing or making changes to any policy. If Rentsure charges you a fee, this will be a dollar amount based on the complexity of the work needed to provide you with the cover you require. This fee will be shown separately on any invoice that Rentsure gives you.
Our staff are remunerated by means of salary and may receive a bonus or incentives which are based on a number of factors, including achievement of company goals.
DKG does not receive any commission or fees for the services that Rentsure provides or otherwise in connection with the CGU policies issued by Rentsure.
If you would like more detailed particulars of the above remuneration arrangements, please ask us. You must request this information within a reasonable time after this document is provided to you and before you are provided with any financial services to which it relates.
Your Payment Terms
We will invoice you for the premium including any statutory charges and any fees we charge for our services.
You must pay us within 7 days of the date of invoice unless otherwise requested, and in the case of a renewal, before the expiry date of your contract of insurance. If you do not pay on time, the insurer may cancel the contract. The insurer may also charge a short term penalty premium for the time on risk.
If you cancel the insurance at any time (except during any policy cooling off period) we will not rebate any commissions or fees to you. We will require a written request from you to cancel any insurance cover.