The financial services referred to in this financial services guide (FSG) are offered by: Sentinel Risk Managers Pty Ltd AR (001277934) ABN 96 612 638 888 & Delaney Kelly Golding Pty Ltd, ABN 35 000 663 221, AFS Lic No 231146.
Street Address: Level 3, 345 Pacific Highway, North Sydney NSW 2060
Postal Address: PO Box 1670, North Sydney NSW 2059 Office: (02) 9929 7299 or Freecall: 1800 252 926 Email: email@example.com
The information in the FSG is current at the date of issue and is general information only. In this FSG, the words “we,” “our,” or “us” is a reference to Delaney Kelly Golding Pty Limited. “You” and ““your” refer to you as our client.
The purpose of this FSG
This FSG sets out the services that we can offer you. It is
designed to assist you in deciding whether to use any of those services and contains important information about:
- the services we offer you;
- how we and others are paid;
- any potential conflict of interest we may have;
- our internal and external dispute resolution procedures and how you can access them;
- arrangements we have in place to compensate clients for losses; and
- any organisations to which we are
When we provide advice
If we provide you with General Advice or assist you in obtaining a Retail insurance product (as defined in the Corporations Act
2001), we provide you with a general recommendation or opinion about a product which does not take into
consideration your financial needs, situation, or objectives. In these circumstances we will provide you with a General Advice Warning. We recommend that you read the relevant Product Disclosure Statement (PDS) in order to determine if that product is right for you.
The PDS will contain information about the particular policy which will enable you to make an informed decision about purchasing that policy.
We will provide you with further information whenever we provide you with Personal Advice which takes into account your objectives, financial situation, and needs. This information may include the advice that we have given you, the basis of the advice and other information on our remuneration and any relevant associations or interests. This information may be contained in a Statement of Advice (SOA).
When you ask us to recommend an insurance policy for you, we will usually only consider the policies offered by the insurers or insurance providers that we deal with regularly. In giving you advice about the costs and terms of recommended policies we have not compared those policies to other policies available, other than from those insurers we deal with regularly.
Product Disclosure Statement
If we offer to arrange the issue of an insurance policy to you, we will also provide you with, or pass on to you, a Product Disclosure Statement (PDS), unless you already have an up-to-date PDS.
The PDS will contain information about the particular policy which will enable you to make an informed decision about purchasing that product.