Financial Services Guide

Financial Services Guide

You have the right to ask us about our charges, the type of advice we will provide you, and what you can do
if you have a complaint about our services.

This Financial Services Guide (“FSG”) is intended to inform you of certain basic matters relating to our
relationship, prior to us providing you with a financial service. The matters covered by the FSG include, who
we are, how we can be contacted, what services we are authorised to provide to you, how we (and any
other relevant parties) are remunerated, details of any potential conflicts of interest, and details of our
internal and external dispute resolution procedures, along with how you can access them.

It is intended that this FSG should assist you in determining whether to use any of the services described in
this document.

Please note that Super Rewards will only be providing general advice and not providing personal financial
advice. Please note that general advice does not take into account your individual objectives, financial
situation or needs. You should seek advice from a licensed financial planner should you with to receive
personal advice.

Shartru Wealth Management has authorised Super Rewards to distribute this FSG. 

Before You Receive Our Advice

Who will be providing the financial services to me?

Super Rewards Pty Ltd (ABN 90 629 681 296) is a Corporate Authorised Representative Number: 1278321
of Shartru Wealth Management Pty Limited, ABN: 46 158 536 87, Australian Financial Services Licence
Number: 422409.

Our contact details are:
Super Rewards
Level 4, 11 York Street
Sydney, NSW, 2000

Ph: 02 8226 8518

Shartru Wealth Management (Shartru), under its AFSL, authorises Corporate Authorised Representatives (CARs) to carry on their business within the provisions of authorised financial services. Shartru’s contact details are:

Postal Address:
PO Box 565
Belmont NSW 2280

Tel No: 1300 478 424

What kinds of financial services are you authorised to provide me and what kinds of products do those services relate to?

Super Rewards can provide General Advice only in the following areas:

  • Financial strategies and financial advice
  • Superannuation (including SMSF)

    Please note that “general advice” does not take account of investors’ objectives, financial situation or
    needs. Before acting on this general advice, investors should therefore consider the appropriateness of the
    advice having regard to their objectives, financial situation or needs.

    Who do you act for when you provide services for me?

    Super Rewards is responsible for the financial services provided to you, in its capacity as a CAR of Shartru.

    How will I pay for the service?

    Super Rewards does not charge the individual directly for the provision of financial advice. Furthermore,
    there is no charge for signing up or using Super Rewards. Remuneration of Super rewards is discussed in
    the next paragraph.                                                                                                                                                                                                                                                                                         

  • Do you receive remuneration, commission, fees or other benefits in relation to providing the financial
  • services or assistance to me and how is that commission calculated?

    We generate revenue by taking a maximum of 30% percent commission from each cash reward that the
    retailer pays; this is known as a referral commission. All cash reward offers and amounts you see in your
    Super Rewards dashboard are net of the referral commission.

    For example, if a member spends $100 with a participating retailer which pays a 5% cash back reward i.e.
    $5.00, the member receives up to 70% of that being $3.50 and Super Rewards would receive a referral
    commission of up to 30% being $1.50.

    We do not accept any form of conflicted remuneration.

    Please ask us for further information or to explain these fees if you have questions.

    Do you have any referral arrangements in place?

    We receive a referral commission from the retailer as described above.

    We do not receive any fee or commissions for making referrals regarding the provision of financial advice.

    Will you provide me advice, which is suitable to my needs and financial circumstances?

    No, Super Rewards provides general advice only. We do not take into account your individual objectives,
    financial situation or needs.

    What should I know about the risks of the products or strategies you recommend to me?

    We will explain to you any significant risks of products and strategies. If we do not do so, you should ask us
    to explain those risks to you or seek personal financial advice from an authorised financial adviser.

    What information do you maintain in my file and can I examine my file?

    We maintain a record of your personal profile, which includes your name, date of birth, address, tax file
    number and the details of your super fund. We also keep a record of your purchasing on Super Rewards
    and the cash rewards earned with each purchase.

    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 is available on our website.

    If you wish to examine your file, we ask that you make a request in writing and allow up to fourteen (14)
    working days for the information to be forwarded.

    We may charge a fee to cover the cost of verifying the application and locating, retrieving, reviewing and
    copying any material requested. If the information sought is extensive, we will advise of the likely cost in
    advance and can help to refine your request if required. 

  • Who can I complain to if I have a complaint about the provision of the financial services to me?

    If you have any complaint about the service provided to you, you should take the following steps:

    1. Contact Super Rewards and tell us about your complaint. Our contact details are:
      Super Rewards

      Level 4, 11 York Street
      Sydney, NSW, 2000
      Ph: 02 8226 8518

    2. If your complaint is not satisfactorily resolved within 3 days, please contact the Compliance
      Manager of Shartru or put your complaint in writing and send it to PO Box 565 BELMONT NSW
      2280. We will seek to
      resolve your complaint quickly and fairly.
    3. If the complaint cannot be satisfied to your satisfaction you have the right to complain to the
      Australian Financial Complaints Authority (AFCA). They can be contacted on 1800 931 678 or This service is provided to you free of charge.

    Shartru is a member of the Australian Financial Complaints Authority (AFCA). At the time of escalation of a
    complaint we will provide you with further details on the process involved with AFCA.

    The Australian Securities and Investments Commission (ASIC) also has a freecall Infoline on 1300 300 630
    which you may use to make a complaint and obtain information about your rights.

    Shartru Wealth Management has in place a Professional Indemnity Insurance that is required by the
    Corporations Act and which mee
    ts ASIC’s requirements and covers present and past representatives. 

  • Financial Services Guide Version 3 |Prepared on: 11 February 2020 |Issued by Super Rewards Pty Limited