The financial services referred to in this guide are offered by:

 

Cheryl Dods on behalf of

IRT Insurance Pty Ltd (IRTI).  Suite 1501, 401 Docklands Drive, Docklands, Vic, 3008, Australia

 

ABN: 88 005 508 501         ASIC Licence No: 247020

 

The Financial Services that Cheryl Dods offer are provided by:

 

IRT Insurance Pty Ltd (IRTI).  Suite 1501, 401 Docklands Drive, Docklands, Vic 3008, Australia

 

ABN: 88 005 508 501          ASIC Licence No: 247020

 

This guide contains important information about:

 

·        the services we offer you

 

·        how we and our associates are paid

 

·        any potential conflict of interest we may have

 

·        our internal and external dispute resolution procedures and how you can access them

 

When we give you financial advice – a Statement of Advice – we take into account your current financial situation and future needs.

 

·        in the Statement of Advice we will tell you about:

 

·        our fees and commissions

 

Any associations we have with Financial Product Issuers or other parties which may have influenced the advice we give you.

 

If we recommend to you a particular Financial Product we will give you information about the particular Financial Product – a Product Disclosure Statement – to help you make an informed decision about the Financial Product.

 

 

Who is my adviser ?     Your Authorised Representative will be Cheryl Dods who is an Authorised Representatives of IRT Insurance Pty Ltd 
 If you do not wish to receive our advice, we may deal on your behalf

 

                                    If you do not obtain advice, you face the risk that the Financial

Product/s you select will not fully take into account your objectives,

financial situation or needs.

 

Who is responsible       IRT Insurance Pty Ltd are responsible for the services provided
for The Financial          including distribution of this Financial Services Guide
Services Guide
(FSG) Provided ?          IRT Insurance Pty Ltd ABN 008 005 508 501 and Australian Financial

Services Licensee, No: 247020. Suite 1501, 401 Docklands Drive, Docklands, Vic, 3008

 

Do you have any         We at IRT Insurance Pty Ltd act as the Agent for:
Relationships or          

Associations with        Markel Insurance Company

Financial Product        Post Office Box 520, Geneva, Illinois 60134-0520

Issuer?                        Tel: (630) 232-2100 Fax: (630) 232-2292

 

What kinds of               Cheryl Dods is authorised by IRT Insurance Pty

 Financial                     Ltd to provide general advice in:
Services are you          

Authorised to provide

Me & what kinds of

Financial Product/s                              Bloodstock insurance

do those services

relate to ?

 

What information        You need to provide us with a list of your personal objectives, details

should I provide          of your current financial situation and any relevant information, so

to receive                    that we can offer you the most appropriate advice possible

personalised

advice ?                       You have the right not to tell us, if you do not wish to.  However, if

you do not, the advice you receive may not be appropriate to your needs, objectives and financial situation.

 

                                    You should read the warnings contained in the Statement of Advice

carefully before making any decision relating to a Financial product/s

 

 

What information do    We maintain a record of your personal profile including details of your
you maintain in my     objectives, financial situation and needs.  We also maintain records

file & can I examine     of  any recommendations made to you.

my file ?

                                    We are committed to implementing and promoting a privacy policy,

which will ensure the privacy and security of your personal

information.  A copy of our privacy policy can be obtained by

contacting our office. If you wish to examine your file please ask us.  We will make arrangements for you to do so.

 

How can I give you       You may tell us how you would like to give us instructions.
Instructions about my   For example by telephone, fax or other means such as email:

Financial Product/s ?   If we provide you with execution related telephone advice, you may

                                    request a record of the execution related telephone advice, at that

time or up to 90 days after providing the advice.

 

How will I pay for the   You may pay us a fee.  Alternatively we may receive a payment
services provided ?      called brokerage, which is paid to us by the Financial Product issuer.

 

We will give you a Statement of Advice containing details of our fees and any payments made to us by a Financial Product issuer.

 

How are any                 Generally the payment we receive will be based on the amount
commissions, Fees,       you pay.  It may vary from one Financial Product issuer to another.

or other benefits          

Calculated for               Unless we tell you otherwise,we are remunerated by commission

Providing the               from the relevant Insurer whenever you enter into an insurance

 financial services ?      policy arranged by us (including variations)

 

The commission is a percentage of the insurer’s base premium (ie

premium excluding stamp duty, fire services levy, GST or any other

government charges, taxes, fees or levies).  The rate ranges

between 0 – 15% (depending on the policy).

 

Where a third party has referred you to us, we may share part of our

commission or fees with them or pay them an agreed referral fee.

 

Where we provide personal advice to you as a retail client, we will tell

you the remuneration that we and our associates are to be paid for

providing the advice in the Statement of Advice.

 

If there is a refund of premium as a result of the cancellation or

adjustment of the policy, we reserve the right to retain remuneration

earned prior to the cancellation or adjustment.

 

If you need further explanation please ask us.

 

 

Will anyone be paid for   Where you have been referred to us by someone else, if we pay
Referring me to you ?  them a fee or commission in relation to that referral, we will tell you in

the Statement of Advice who will receive that fee or commission and

the amount they will receive.

 

What should I do if I     If you have any complaints about the service provided to you,

have a complaint ?       you should take the following steps.

 

1.       Contact us and tell us about your complaint

 

2.       If your complaint is not satisfactorily resolved within 20 days, please contact:

 

Mrs Lyn Dressing – Complaints Officer on

Freecall 1800 331 215 or (03) 9643 3000

Or

 put your complaint in writing and send it to her at:

 

      Suite 1501, 401 Docklands Drive, Docklands, Vic, 3008

 

                                    We will try and resolve your complaint quickly and fairly.

 

3.       If the complaint can’t be resolved to your satisfaction you have the right to refer the matter to Financial Ombudsman Service (FOS).  They can be contacted on 1300 78 08 08 or you can write to them at:

 

Delivery Address
Financial Ombudsman Service
Level 12, 717 Bourke Street
Docklands 3008

 

      Postal Address

      Financial Ombudsman Service

      GPO Box 3

      MELBOURNE   VIC  3001

 

      Email : info@fos.org.au

      Website: www.fos.org.au

 

Professional Indemnity    IRT Insurance Pty Ltd (IRTI) hold a current Professional
 Insurance                         Indemnity Insurance Policy which includes claims arising from all

past work carried out by the Insured, subject to the terms,   

conditions and exclusions of the policy.

If you have any further questions about the financial services IRT Insurance Pty Ltd provides please contact our office 

on telephone: + 61 3 9643 3000.

Retain this document for your reference and any future dealings with IRT Insurance Pty Ltd

 

Download a full copy of this statement here.