Download Combined Financial Services Guide

NSF Super
Combined Financial Services Guide (FSG)
Issue Date: 1 July 2016
About this Guide
This Combined Financial Services Guide (FSG) has been prepared, authorised and issued by NSF Nominees Pty Limited (ABN 29 053
228 667, Australian Financial Services Licence (AFSL) 253129) and by Link Advice Pty Limited (ABN 36 105 811 836, AFSL 258145) (Link
Advice).
This FSG is for members and employer sponsors of, and anyone thinking of becoming a member or employer sponsor of, Nationwide
Superannuation Fund (ABN 15 201 768 813) (NSF Super). It is designed to assist you in deciding whether to use any of the services offered
in this guide. It contains information about remuneration that may be paid to the financial services licensees and other relevant persons
in relation to the services offered, as well as information on how complaints against the financial services licensees are dealt with.
If you need more information or clarification of any matter raised in this FSG, please contact either NSF Nominees Pty Limited (the
Trustee) or its outsourced administration service provider, PSI Superannuation Management Pty Limited (PSI). If you decide to use
NSF Super, you will also be provided with a Product Disclosure Statement (PDS) which contains the key features and conditions of
the product. The purpose of the PDS is to disclose all of the information reasonably required to enable you to determine whether the
product is appropriate for you. The PDS is available at nsfsuper.com.au/PDS
General Advice Warning
This brochure and any information that you receive from the Trustee or PSI is prepared without taking account of your objectives, financial
situation or needs. Because of this, it is important for you to consider the appropriateness of any information and/or advice received
having regard to your objectives, financial situation and needs. You should obtain and take into account the relevant PDS and consider
seeking professional financial, taxation and/or legal advice, before you make any investment decision.
Who are we and how can you contact us?
What financial services do we provide?
NSF Nominees Pty Limited is the trustee of NSF Super. The
Trustee can be contacted by:
The Trustee is authorised under its AFSL to deal in and provide
general financial product advice on superannuation.
Phone: 1800 025 241
Fax:
1800 839 774
Email:
[email protected]
Mail:
PO Box 42, Charlestown NSW 2290
In person: 242 Pacific Highway, Charlestown, NSW
The Trustee outsources the administration and enquiry services
of NSF Super to PSI Superannuation Management Pty Limited.
Employees of PSI (a related body corporate of Link Advice)
provide general financial product advice as set out in this FSG,
under the AFSL of Link Advice. PSI can be contacted by:
Phone: (02) 4904 8566
Fax:
(02) 4920 8980
Email:
[email protected]
Mail:
PO Box 321, Charlestown NSW 2290
In person: 242 Pacific Highway, Charlestown NSW
Link Advice can be contacted by:
Phone:
1800 046 144
Mail/in person: 1A Homebush Bay Dr, Rhodes, NSW 2138
How can you provide instructions to us?
You can give instructions by contacting the NSF Super call
centre on 1800 025 241. In some circumstances you will need
to complete a form before we can act on your instructions,
in which case we will inform you of what forms need to be
completed and how you can obtain them.
Select employees of PSI are authorised by Link
Advice to provide general financial product
advice on superannuation.
General advice does not take into account your
particular financial needs, circumstances or objectives and
you should assess your own financial situation and read the
PDS before making an investment decision based on the advice.
Who will be responsible for the provision
of financial advice services?
General financial product advice specific to
superannuation and NSF Super may be provided via:
• Written material and website content published by NSF Super, where advice is provided under the
Trustee’s AFSL;
• Dealing with Relationship Managers employed by the Trustee, where advice is provided under the Trustee’s AFSL; or
• Contacting the NSF Super call centre, where you will speak with an employee of PSI and advice is provided by them as a representative of
Link Advice.
The Trustee will be responsible
for any financial product
advice services provided
to you by it, or any of its
employees or otherwise
authorised by it, or any
of its employees.
Link Advice will be responsible for any financial product advice
services provided by its representatives (including employees of
PSI).
Are there any relationships or associations which
might influence the financial services provided?
The Trustee does not have any association or relationship with
any product issuer that could be expected to influence the
provision of financial product advice.
Link Advice has also been contracted with the Trustee to provide
general and personal financial product advice directly to NSF
members, if requested by a member. In this instance a separate
FSG is provided by Link Advice. For a copy of this FSG, go to
www.linkadvice.com.au
The Superannuation Clearing House Pty Limited (TSCH, ABN 15
086 576 721) operates the SCH Online superannuation clearing
product and service available to NSF Super employers.
Australian Administration Services Pty Limited, Link Advice Pty
Limited, Pacific Custodians Pty Limited (AFSL 295142), TSCH and
PSI are related bodies corporate, all of which are members of
Link Group. For more information about Link Group, please visit:
www.linkgroup.com
What should you do if you have a complaint?
If you have a complaint about NSF Super or about the financial
product advice provided by the Trustee or Link Advice, you
should contact the NSF Super call centre:
Phone:
Fax:
Mail:
Email:
1800 025 241
1800 839 774
PO Box 42, Charlestown NSW 2290
[email protected]
Your complaint will then be directed to the appropriate person
at either Link Advice or the office of the Trustee.
If you are not satisfied with how your complaint is handled or
the resolution offered, you may be able to take your complaint
to one of the following external dispute resolution bodies:
For complaints handled by the Trustee, you can make a
complaint to The Superannuation Complaints Tribunal (SCT), an
independent body established by the Federal Government. If
the SCT can deal with your complaint, it will attempt to resolve
the complaint through conciliation. If that is unsuccessful, the
SCT will review the decision or conduct to which the complaint
relates. You can contact the SCT by:
The Superannuation Complaints Tribunal
Phone: 1300 884 114
Mail: Locked Bag 3060, Melbourne VIC 3001
Web: www.sct.gov.au
Email: [email protected]
974.0 07.16
For complaints handled by Link Advice, you can make a
complaint to the Financial Ombudsman Service Limited ABN 67
131 124 448 (FOS). FOS is an independent body set up to assist
consumers in the resolution of complaints relating to Financial
services. FOS may be able to assist you to resolve your complaint
but will only become involved after you have made use of our
own complaints handling process. FOS can be contacted via the
following details:
Financial Ombudsman Service
Phone:
1800 367 287 or (03) 9613 7366
Fax:
(03) 9613 6399
Mail:
GPO Box 3, Melbourne VIC 3001
Web:
www.fos.org.au
Email:
[email protected]
What remuneration (including commission) or
other benefits are attributable to the provision of
the authorised services?
The Trustee pays PSI ongoing fees for providing administration
services in accordance with a written agreement between the
Trustee and PSI. These fees are met by NSF Super membership
fees which are levied to meet the overall costs of running and
managing NSF Super (including fees paid to PSI). For information
relating to the administration fees levied by the Trustee, please
refer to the relevant PDS.
Neither the Trustee nor PSI pay or receive commissions. NSF
Super and PSI employees are paid by salary, which may include
a performance-related bonus. However they do not receive
any commissions or payments for the financial product advice
provided to you.
Apart from this, no additional remuneration is paid, or benefit
provided to the providing entity; the authorising licensee or
related body corporate of the providing entity; a director or
employee of the authorising licensee or the providing entity
(other than normal wages and salary of employees); associate(s)
of any of the above; or any other person.
What compensation arrangements are in place?
The Trustee and Link Advice both have Professional Indemnity
insurance arrangements in place to compensate persons for loss
or damage due to breaches of any relevant legislative obligations.
These arrangements satisfy the requirements of section 912B
of the Corporations Act 2001 and cover claims arising from the
conduct of current and former employees.