Documents

Download the latest reports, fact sheets and other key publications that are important to your insurance policies.
Our web site may contain links to external web sites. Whilst such links are provided for your convenience,
you should be aware that the information handling practices of the linked web sites might not be the same as ours
and do not constitute endorsement of material at those sites or any associated organisation product or service.
These external information sources are outside our control. It is the responsibility of users to make their own decisions
about the accuracy, currency, reliability and correctness of the information at those sites.

By accessing information at or through this site each user waives and releases the Ginn & Penny
to the full extent permitted by law from any and all claims relating to the usage of the material made available through the website.
In no event shall the Ginn & Penny be liable for any incident or consequential damages resulting from use of the material.

Financial Services Guide

This Financial Services Guide (FSG) is an important document which we are required to give you under the requirements of our Australian Financial Services Licence. It provides you with information about Ginn & Penny Pty Ltd to help you decide whether to use the financial services we provide. This FSG explains the services we can offer to you and the types of products we offer. It also explains how we (and other related persons) are remunerated for these services, and includes details of our internal and external complaints handling procedures and how you can access them. Ginn & Penny Pty Ltd authorises the distribution of this FSG. 

If you choose to use our services you may also receive from us a Product Disclosure Statement (PDS), Statement of Advice (SOA) and/or Important Information Statement as part of the Schedule. 

If we recommend you purchase a particular insurance product, we will also provide you with a Product Disclosure Statement at the time of recommendation which will set out the specific details relevant to the product including key benefits and risk in purchasing the product. 

If we provide you with personal financial product advice rather than general financial product advice we will give you an SOA or Important Information Statement as part of the Schedule. Personal financial product advice is advice that takes into account one or more of your objectives, financial situation and needs. The SOA or Important Information Statement will contain the advice, the basis on which it is given and information about fees, commissions and any associations which may have influenced the advice. 

We will not provide advice on products that are not on our Approved Products List. Our representatives do not have authority to advise on products that are not Ginn & Penny Pty Ltd approved. 

We will not provide advice on classes of financial products other than those identified in Ginn & Penny Pty Ltd AFS Licence. 

Ginn & Penny Pty Ltd is responsible for the advice provided and services offered to clients by a Representative of Ginn & Penny Pty Ltd

Insurance Brokers Code of Practice

Ginn & Penny subscribes to the Insurance Broking Code of Practice (the Code) which is published by the National Insurance Brokers Association (NIBA).

The code is intended to promote good relations between insurance brokers, their clients, insurers and other participants within the insurance industry. It also promotes efficiency in transactions by describing standards of good practice and the level of service to be expected from members.

WHAT IS THE INSURANCE BROKERS CODE OF PRACTICE?

All reputable professions are governed by a strong Code of Practice - and insurance broking is no different.
Our Code of Practice sets out the minimum service standards you can expect when you use an insurance broker and outlines what you need to do in the unlikely event you have a complaint to make.
The Code sets out our commitment in a number of areas, including:

• Managing conflicts of interest;
• Explaining what our services will be;
• Acting for you diligently, competently, fairly and with honesty and integrity;
• Informing you how we are paid for the services we provide;
• Ensuring our staff are competent and adequately trained; and
• Providing an opportunity to resolve complaints and disputes.

In short, it's our profession's promise to you that we will act in your best interests at all times and be open and honest with you at every step of the way.

This online version of the Insurance Brokers Code of Practice features additional guidance notes to help brokers and their clients understand the Code more fully. 

Privacy Spam Policy

It is a legislative requirement that we keep all personal information and records for a period of 7 years. Should you cease to be a client of ours, we will maintain your personal information on or off site in a secure manner for 7 years. After this, the information will be destroyed.

Australian Financial Complaints Authority

The Australian Financial Complaints Authority (AFCA) is a free, fair and independent dispute resolution scheme. AFCA considers complaints about financial products and services. AFCA’s service is offered as an alternative to tribunals and courts to resolve complaints consumers and small businesses have with their financial firms.

You can find out more about AFCA below:

Complaints Management Policy

Ginn & Penny Pty Ltd is committed to the efficient resolution of complaints received in relation to the services that are offered by our organisation, and its representatives and staff. We understand that complaints can be a valuable source of information and can assist us to improve the way we deal with our clients.