2. GENERAL ADVICE NOTICE
Trading as
03/08/2020This Financial Services Guide (FSG) is issued by Your Health Wallet AFSL 500574 (referred to as ‘Your Health Wallet’, ‘we’, ‘us’ or ‘our’) and is an important document designed to assist you in deciding whether to use any of Your Health Wallet product and services. It contains information about Ø our product and services. Ø any potential conflicts of interest in providing you with our products and services. Ø how we and our staff are remunerated. Ø our complaints handling process; and Ø how to contact us. |
OTHER DOCUMENTS YOU MIGHT RECEIVE
When investing in a Your Health Wallet product you will be provided with a copy of the relevant Product Disclosure Statement (PDS). The PDS will be provided to you by Your Health Wallet, via the website and is downloadable. PDS contains information about the financial product, including its features, benefits, any terms and conditions, fees, and charges and significant risks.
1. ABOUT YOUR HEALTH PLAN
Your Health Wallet is a savings-based health plan, where unused funds accumulate over time and is designed to enable health and save money. The key focus and driver of Your Health Wallet is to enable health of its members by offering a platform to connect with health providers registered on its portal as well as with health providers who are not registered on the portal. With the health providers who are registered on the portal, members can book their appointments with such provider via their membership portal.
FINANCIAL SERVICES AND FINANCIAL PRODUCTS WE ARE AUTHORISED TO PROVIDE
Our Australian Financial Services Licence (AFSL) authorizes us to provide general advice only and deal in:
This FSG is only designed for retail clients only and is not intended for wholesale clients.
FINANCIAL PRODUCT ADVICE
Our staff is only authorized to provide you, general advice only in relation to the financial products described in this FSG. We are responsible for the financial services and products provided to you under our AFSL and we do not act as a representative of any other licensee in relation to the financial services we provide.
Any advice provided to you is general in nature and prepared without considering your objectives, financial situation, or needs. Before acting on any advice, you should consider the appropriateness of the advice having regard to your objectives, financial situation, and needs.
If you are acquiring a financial product, you should obtain a copy of the relevant PDS and consider the PDS before making any decision about whether to acquire the product.
3. RELATIONSHIPS OR ASSOCIATIONS
We do not have relationships or associations with other financial providers and are not influenced in the financial services we provide to you.
4. HOW WE ARE REMUNERATIED FOR FINANCIAL SERVICES PROVIDED
Your Health Wallet charges fee for financial products provided to you. All fees and charges are specified in the relevant PDS for each financial product. We do not charge you fees for providing general advice.
Our employees and directors receive salaries, bonuses and other benefits (including non-monetary benefits) from us. Bonuses and other benefits are discretionary and based on several factors relating to their overall performance. Non-monetary benefits can include items such as gift vouchers or entertainment tickets.
5. COMPLAINTS PROCEDURE AND COMPENSATION ARRANGEMENTS
If you have a complaint Your Health Wallet has internal and external dispute resolution procedure in place to deal with member complaints. If you have a complaint, please contact either the Manager Your Health Wallet (ACN: 618 020 885) holds an Australian Financial Services Licence (AFSL no. 500574) by phone or in writing by email to complaints@yourhealthwallet.com
Please provide the following information in your correspondence:
We will consider and respond to your complaint in writing within 2 weeks of receipt by Your Health Wallet and shall consider and deal with complaints within 45 days of receipt. If you are not satisfied with the handling of your complaint or the decision Your Health Wallet has made in relation to your complaint, you may contact and lodge a complaint with the Australian Financial Complaints Authority or AFCA.
AUSTRALIANFINANCIALCOMPLAINTSAUTHORITYOR AFCA
MAIL: GPO BOX 3, MELBOURNE, VICTORIA, 3001
PHONE: 1800 931 678
WEBSITE: WWW.AFCA.ORG.AU
6. PROTECTING YOUR PERSONAL INFORMATION
We recognize the importance of protecting your privacy. Personal information provided by you in the course of receiving financial services is governed by our Privacy Policy which outlines how the information we collect from you is used, stored, and disclosed.
A copy of our Privacy Policy is available on our website or by contacting us.
7. HOW TO PROVIDE INSTRUCTIONS TO US
We can only accept instructions from you via your membership portal, you will have to be logged in to provide instructions and may be required to authenticate the instructions by entering a one-time password sent to your mobile phone registered on the platform
CONTACT US
YOU CAN CONTACT US BY THE FOLLOWING METHODS
Calling our Client Services team on 1300 949 287;
Client Services Your Health Wallet Ltd,
Suite 2, 36 Macaree Street, Berserker, Rockhampton, Queensland, 4701.
Email: info@yourhealthwallet.com
In person with prior appointment at,
Suite 2, 36 Macaree Street, Berserker, Rockhampton, Queensland 4701
Australian Owned and Operated
Designed ground up by consumers and health professionals for a better extras cover.
AFSL: 500574
ARSN: 627076411
ABN: 92618020885