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| Issue Date 03
Jan 2009
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This Financial Services Guide ("FSG")
will present you with information about the services provided by Everforex
Financial Pty Ltd ("Everforex").
The FSG is intended to:
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help you decide whether to use any of our services;
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tell you about how we and related parties are remunerated;
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tell you how we handle complaints.
We will also give you a Product Disclosure Statement (“PDS”) with this FSG. The
PDS tells you about the products we offer and is intended to help you to decide
whether you would like one of those products. In any event, we will give you a
PDS before we issue one of our products to you.
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| In this document, we will introduce:
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Who we are
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What services we are
authorised to provide
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How our services are
deliveried
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Who do we act for in
transactions
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What fees are payable
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How we are
remunerated
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How your complaints are
handled
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How your privacy is
protected
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| If you need more information please contact us.
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 Who
we are
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| We are the services provider described in this document. Our
company details and contacts are: |
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Everforex Financial Pty Ltd
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ABN: 79 115 459 124
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Level 10, 230 collins St
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Melbourne, VIC 3000
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Australia
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Tel: +61 3 9662 3088
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Fax: +61 3 9662 3086
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Email: admin@everforex.com
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Web: www.everforex.com
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What
services we are authorised to provide
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| Everforex holds an Australian Financial Services Licence (AFSL#
297499), we are authorised by Australian Securities & Investments
Commission ("ASIC") to provide the following services:
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Dealing in foreign exchange products;
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Dealing in non-cash payment products;
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Provide general advice for above
financial products;
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Making a market by providing Buy/Sell
prices for foreign exchange contracts;
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| As Everforex is only allowed to provide general (and not personal)
financial product advice, the information we provide does not take into account
any of your individual circumstances, objectives or needs. Everforex suggests
you consider the appropriateness of any recommendation made by us to your own
objectives, financial situation or needs, before making a decision in relation
to any financial product. If you are considering a particular product, you
should also consider the Product Disclosure Statement for that product before
making a decision in relation to the product.
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Methods
of services delivering
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| To help customers get the best out of our services, we have
developed the following methods for customers to provide us with instructions
or make enquiries:
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In traditional ways, such as in person or
via phone;
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Via the Internet, such as Everforex
websites and online exchange solutions;
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by any other methods as may be mutually
agreed between customers and us.
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Who
do we act for in transactions
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| As we are the product issuer, we are acting on our own behalf when
we provide the services.
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What
fees are payable
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| When customers perform foreign exchange transactions with us, no
commissions will be charged.
For international fund transfer instructions, we charge a flat fee of AUD
$19.8 per transfer. This fee is payable before the transaction occurs, or is
debited from the transaction amount.
For all other transactions we do not charge fees (but rather make our money
from the rates offered to you).
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How
we are remunerated
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Everforex is remunerated by way of:
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the flat fee charged to clients on international fund transfers (described
above); and;
- the margin made on the difference between the foreign exchange
rates obtained by us through “wholesale” institutions (such as banks) and the
foreign exchange rates offered to our customers. This margin is never more than
1% of the transaction amount. Factors that contribute to the size of the margin
are prevailing interest rates and foreign exchange market volatility.
Our employees who provide you with advice and services do not receive
commissions. All employees and directors are paid by salaries and bonuses, or
other benefits from us. The bonuses and benefits are calculated by the turnover
generated by individual staff.
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How
your complaints are handled
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| Everforex has a dispute resolution procedure to resolve any
complaints you may have, quickly and fairly.
All complaints should be directed to the Complaints Manager, who will seek to
resolve your complaint within 2 weeks, by phone call or in writing:
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Everforex Financial Pty Ltd
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PO BOX 467, Flinders Lane
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VIC 8009, Australia
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Tel: +61 3 9662 3088 Fax: +61
3 9662 3086
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Email: complain@everforex.com
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| If you are not satisfied with the outcome, you have the right to
take your complaint to the following external dispute resolution scheme, of
which Everforex is a member:
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Banking and Financial Services Ombudsman
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GPO Box 3, Melbourne
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VIC 3001, Australia
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Tel: +61 3 9613 7333 Fax: +61
3 9613 7345
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www.bfso.org.au
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Privacy
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| We value our relationship with you, and respect your privacy.
Please check out our Privacy Policy which may be obtained from our website
www.everforex.com, or by telephoning us.
Please note the following in relation to personal information we collect about
you:
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You may obtain access to that information by making a request to do so and
providing suitable identification if required by us.
- We collect your
information in order to provide the financial services to you. If you do not
provide it, we may not be able to provide the services to you.
- Other
organisations to which we will disclose your information are law enforcement
bodies and government bodies, such as the courts, police and AUSTRAC if
required by law.
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