Avant-garde Financial Group: Client engagement terms and conditions

These terms and conditions apply to all clients who engage an entity in the Avant-garde Financial Group to provide our financial planning, mortgage broking, insurance broking and related services.

 
 
 

Tailoring our services to you
The Avant-garde Financial Group is comprised of a number of separate legal entities. Annexure 1 to these terms describes the separate entities which comprise the Avant-garde Financial Group business units, and the specific services which each unit provides to our clients. When you engage Avant-garde Financial Group, you may engage more than one business unit to act for you, if you require a range of services to be provided. For example, you may require financial planning advice - which is provided by Avant-garde Financial Services Pty Ltd, as well as mortgage broking services - which are provided separately by Avant-garde Mortgage Brokers Pty Ltd.


Service Terms - specific terms which apply to different business units
As a result of each business unit providing services of a different kind, each one has different regulatory and disclosure requirements.

So when you engage each business unit, there will be additional terms and conditions specific to those services –


Service Terms
Those Service Terms complement these general terms, but to the extent there is any inconsistency the specific terms and conditions prevail. The different Service Terms include those described in Annexure 2 to these terms and conditions.


How we provide our services
Our services are provided in a range of different ways, including by providing written advice, oral advice or taking specific actions as agreed with you.

We may take our instructions from you by any means, electronic or otherwise, including in person or over the phone: we will use all reasonable endeavours to record in writing your instructions if you provide them in this way.


Business units have some common ownership, and common officers
Each business unit is a separate legal entity, but each unit has ownership in common with the others to varying degrees, and do have common officers and employees.


Confidentiality
Your confidential information is kept confidential to your file within each business unit, except to the extent that you authorise Avant-garde Financial Group to share information between business units in order that each business unit is able to provide its services to you.

Generally that authorisation will be sought from you in person when it is apparent that you will require, for instance, financial planning services (provided by Avant-garde Financial Services Pty Ltd) as well as insurance broking services (provided by Avant-garde Insurance Brokers Pty Ltd). Otherwise, Avant-garde Financial Group will seek that authorisation from you in writing.

In some circumstances, outlined under 'Conflicts management' below, persons who work in or have an ownership interest in a particular business unit will be prevented from accessing information on your file in that business unit.


Privacy
The Avant-garde Financial Group has a privacy policy (which you can view on our website, here) which discloses the purpose of collecting personal information from you, and how the personal information you provide to Avant-garde Financial Group and its representatives is collected, used, held, disclosed and disseminated.


Concerns or complaints
Any current or prospective client of Avant-garde Financial Group who has any concerns regarding these terms, the implementation of these terms or services provided by Avant-garde Financial Group should immediately speak with their adviser at Avant-garde Financial Group to attempt to resolve those concerns.

If those concerns cannot be resolved to the client or prospective client's satisfaction, then the client may seek independent advice.

Complaints services
Depending on which services you obtained from us, you may also have rights to (or be obliged to) pursue any complaints through a formal process. Details about those processes, and dispute resolution services in which members of the Avant-garde Financial Group participate, are set out in the relevant Service Terms.


Notices
We can provide documents and serve notices on you personally or by any means, electronic or otherwise. For this purpose, we will rely on the information you have provided to us about your contact details. You can provide documents and serve notices on us by emailing them to info@a-gfg.com.au, copied to your adviser at their Avant-garde Financial Group email address. You can post documents to the street address on our website.

Documents sent by post will be deemed served after 6 business days (or 2 business days if served by express post). Documents sent electronically or by fax are deemed served on the business day they are sent, unless they arrive after 6pm, or on a non-business day, in which case they are deemed served the next business day.


Consent
By engaging an entity in the Avant-garde Financial Group, you acknowledge and agree that you are bound by these terms and consent to each relevant entity in the Avant-garde Financial Group providing its services to you in the manner set out in this document. Each of those entities may separately rely on this acknowledgment.


Liability limitation
Our liability is limited by a scheme approved under professional standards legislation.


 
 
 

Annexure 1 to Avant-garde Financial Group  terms and conditions - Avant-garde Financial Group Entities

Services
Non-trading


Entity
Avant-garde Financial Group Pty Ltd
Each other entity identified as forming part of the Avant-garde Financial Group as set out on our website from time to time.


Services
Financial planning & advice


Entity & Licence details

Avant-garde Financial Services Pty Ltd
ACN: 125 345 413
AFS Licence Number: 501110

Christopher Guy
AFS Representative Number: 289737
Authorised representative of Avant-garde Financial Services Pty Ltd, AFSL: 501110

David Moloney
AFS Representative Number: 315224
Authorised representative of Avant-garde Financial Services Pty Ltd, AFSL: 501110


Short name
Avant-garde Financial Services


Services
Mortgage broking


Entity details
Avant-garde Mortgage Brokers Pty Ltd
ACN: 605 839 923


Licence details
Australian Credit License: 477621


Short name
Avant-garde Mortgage Brokers


Services
General insurance broking


Entity & Licence details
Avant-garde Insurance Brokers Pty Ltd
Corporate Authorised Representative Number: 473112
ABN: 67 158 406 976 | ACN: 158 406 976
Christopher Guy
Authorised Broker No. 289737

Authorised representatives of National Adviser Services Pty Ltd t/as Community Broker Network, AFSL: 233750


Short name
Avant-garde Insurance Brokers


Annexure 2 to Avant-garde Financial Group terms and conditions - Avant-garde Financial Group Entities

Entity


Avant-garde Financial Services


Service Terms
Financial Services Guide


Entity details
Avant-garde Mortgage Brokers


Service Terms
Credit Guide


Entity
Avant-garde Insurance Brokers
Financial Services Guide