Prepared
on the 5th December 2007
Click
here to download Financial Services Guide
Introduction
ACSIS Ltd can assist you to obtain insurance to protect
your business. We are an authorised representative of Indemnity
Corporation Pty Ltd (IC) who are licensed insurance brokers.
This Financial Services Guide (FSG) describes the insurance
services that we can provide to you. It also covers how
IC and we are paid for those services and how any complaints
you may have will be dealt with.
IC, the Licensee, is a member and shareholder of Steadfast
Group Limited. This relationship is detailed in Indemnity
Corporation's FSG. You can obtain a copy by logging onto
www.indemnitycorp.com.au.
How We Can Help With Your Insurance
If you ask us to facilitate insurance, we will, if required,
arrange for you to receive a Product Disclosure Statement
(PDS) for the policy you have asked us to arrange. This PDS
describes the main features of the policy. Before deciding
whether to obtain the insurance, you should read the PDS to
decide if it suits your need, objectives and financial situation.
If you require assistance in obtaining this insurance we
can advise you. If personal advice is provided on a retail
product a Statement confirming that Advice will be forwarded
to you with your Insurance Certificate.
Distribution Authority
IC holds Australian Financial Services Licence numbered
234578 and has authorised the distribution of this FSG by
ACSIS Ltd Corporate Authorised Representative number 255283.
How We Are Paid
For facilitating your insurance, we may receive remuneration
up to 10% of the premium, for each policy we arrange. This
helps fund the activities of ACSIS Ltd.
IC may receive up to 10% of the premium for each policy.
The amount varies depending on the type of policy.
Should premiums paid via the Licensee earn interest, the
Licensee will retain it.
If we provide general advice in association with a financial
service recommendation, you have the right to seek further
particulars about any of our remuneration arrangements or
other benefits related to that recommendation. We will respond
to your request, provided it is made within 14 days of receiving
this FSG and, before any financial service identified in the
FSG is provided to you.
Products and Services
Products
ACSIS Ltd facilitates the following Spatialcover products
for the benefit of its members:
• Business Insurance • Financial Investments
• General Property Insurance • Income Protection
• Leasing • Life Insurance • Management
Liability • Motor Insurance • Professional Fee
Facility • Professional Indemnity •Residential
• Salary Continuance • Superannuation •
Travel Insurance • Workers’ Compensation
Services
Our services to the Spatial Industry include assistance
with:
• Provision of claims services with all insurance
products placed through IC.
• Risk Management Seminars & Materials •
Policy adjustments • Renewal negotiations •
Publications • OH & S Consulting
Cooling off period
A cooling off period may apply to an insurance policy issued
to you as a retail client. During the period you may return
the policy. Details of your cooling off rights will be included
in the relevant Product Disclosure Statement.
Relationships
All quotes or recommendations made to ACSIS Ltd members
will indicate whether the insurance is being offered subject
to a binding authority.
Binder
IC may hold a binding authority from an insurer to issue
contracts of insurance and to deal with claims on their
behalf. When IC arranges insurance under a binding authority
they will be acting as the agent of the insurer, and not
as your agent. When IC processes claims they will be acting
as your agent, and not as the agent of the insurer.
Non-Binder
When IC arranges insurances that are not subject to a binding
authority, they will be acting as your agent for both, the
insurances effected and the claims, and not as the agent
of the insurer.
Complaints or Disputes
We will do everything possible to provide a quality service
to you. However, we recognise that occasionally there may
be some aspect of our service or a decision we have made
that you wish to query or draw to our attention.
We have a Complaints and Dispute Resolution Procedure which
undertakes to provide an answer to your complaint within
15 working days.
If you have a complaint about our services, you should,
in the first instance, contact us on our Member Services
number 1800 133 100.
External Dispute Body
If IC does not resolve the complaint to your satisfaction,
you can refer it to Insurance Brokers Disputes Limited (IBD).
To contact IBD you will need to ring 1300 780 808.
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