Financial Services Guide

This Financial Services Guide (FSG) is intended to inform you about us before we provide you with financial advice. The FSG is an important document and a regulatory requirement under Corporations Law. This document is issued by GPLA Securities Pty Ltd ABN 66 117 339 518, holder of Australian Financial Licence Number 299536. This document provides detailed information about GPLA and its Corporate Authorised Representative 100percentInvesting.

• What Is The Purpose Of This Document?
• Who Is 100PercentInvesting?
• What Services Can 100PercentInvesting Provide To You?
• How Is 100PercentInvesting Remunerated?
• Who Is GPLA Securities Pty Ltd?
• Personal Information & Mail List

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100PercentInvesting
Corporate Authorised Representative
Representative Number 310603
GPLA Securities Pty Ltd
AFSL 299536
Suite 313, 566 St Kilda Road
Melbourne Vic 3004

p 03 9526 8553 f 03 9526 8552 e enquiry@100PercentInvesting.com.au

WHAT IS THE PURPOSE OF THIS DOCUMENT?

This is a Financial Services Guide (FSG) issued by GPLA Securities Pty Ltd (GPLA), an Australian Financial Services Licensee. It was approved for issue by GPLA on the above date and forms one part of the documentary disclosure regime created by the Financial Services Reform Act. The other statutory documents under that regime are the Statement of Advice (SOA) and the Product Disclosure Statement (PDS).

This document provides detailed information about GPLA and its Corporate Authorised Representative 100percentInvesting and what financial services that Licensee has authorised it to provide to you. It contains specific details about all matters that 100percentInvesting believes that you should consider before you decide whether or not to engage its services, as well as general information about the fees and charges that you would be charged and that 100percentInvesting or anyone else would receive if you did decide to proceed.

Depending upon the services that you require and the products and services that 100percentInvesting provides, 100percentInvesting may also provide a number of other documents to you, either for you to complete or for you to consider. Full details of these documents will be provided as and when they are known to be required.

WHO IS 100PercentInvesting?

100PercentInvesting is a Corporate Authorised Representative of GPLA Securities Pty Ltd (GPLA). GPLA holds an Australian Financial Services Licence which includes authorisations to provide General advice designed to assist do-it-yourself investors who would like to limit the commissions paid to their financial adviser.

100PercentInvesting is authorised to provide General Advice and Dealing services in the following classes of financial products –

(i)	Deposit and payment products limited to:
	(A)	Basic deposit products;
	(B)	Deposit products other than basic deposit products;
(ii)	Debentures, stocks or bonds issued or proposed to be issued by a government;
(iii)	Life products including:
	(A)	Investment life insurance products as well as any products issued by a Registered Life Insurance Company that are backed by one or more of its statutory funds; and
	(B)	Life risk insurance products as well as any products issued by a Registered Life Insurance Company that are backed by one or more of its statutory funds;
(iv)	Interests in managed investment schemes including:
	(A)	Investor directed portfolio services;
(v)	Retirement savings accounts (“RSA”) products (within the meaning of the Retirement Savings Accounts Act 1997);
(vi)	Securities; and
(vii)	Superannuation.

Information on 100percentInvesting website is of a general nature only and is not specific to your needs, objectives or circumstances. Any investment decision in the products listed is entirely yours. GPLA Securities Pty Ltd bears no responsibility for the appropriateness of the investment to your financial needs, objectives or circumstances. 100percentInvesting is authorised to provide the above services to both retail and wholesale clients.

WHAT SERVICES CAN 100PercentInvesting PROVIDE TO YOU?

100PercentInvesting provides general financial advice about the risks, returns and features of various financial products. Information on 100percentinvesting.com.au website is considered to be General Advice under the Corporations Law and does not consider a potential investors own personal needs, circumstances or objectives.

HOW IS 100PercentInvesting REMUNERATED?

100PercentInvesting website operates on a commission basis. We will either receive an upfront, ongoing, or a combination of both for lodgment of your investment. The exact amount that we receive varies from investment to investment.

The exact commission for each investment is shown on their respective screen.

Note that with many investments we will receive an upfront commission that is not taken from your investment funds. When this occurs we will provide you with a cash rebate to provide an initial return on the funds invested.

WHO IS GPLA SECURITIES PTY LTD?

GPLA is a private company based in Melbourne, Victoria. It is an Australian Financial Services Licensee and has been authorised by the Australian Securities and Investments Commission to provide a number of financial Advising and Dealing services to both retail and wholesale clients.

GPLA is not owned by or bound to any third party financial institution in any way, so is free to provide only the most appropriate advice to its clients.

PERSONAL INFORMATION & MAIL LIST

Personal information that we have collected is stored electronically. If you submit details to be on our mailing list we will only send appropriate communications and your details are never passed onto third parties. We are committed to ensuring the privacy and security of the information provided.

PRIVACY POLICY

From time to time 100PercentInvesting may hold personal information about you. The information has been and will continue to be collected by us for the purpose of providing you with financial services.

We will from time to time disclose information about you to professionals, insurance providers, superannuation trustees and product issuers in connection with the purposes detailed above. In the event we consider it necessary to use or disclose information about you for purposes other than those detailed above or related purposes, we will seek your consent.

You are entitled to obtain access to the information which we hold about you by contacting 100PercentInvesting on 03 9526 8553 or by writing to Suite 313, 566 St Kilda Road, Melbourne, Vic 3004.

WHAT SHOULD YOU DO IF YOU HAVE A COMPLAINT?

If you have a complaint about any of the services provided or the recommendations made to you then you should take the following steps –

1.	Contact the Complaints Officer of GPLA in writing at Suite 313, 566 St Kilda Road, Melbourne Vic 3004. We will try and resolve your complaint quickly and fairly.
2.	If you still do not get a satisfactory outcome within 45 days, then the procedures is as follows. Send your complaint to FOS at PO Box 579, Collins Street West, Melbourne Vic 8007. Their free call number is 1800 780 808. The complaints services are free of charge. GPLA is a member of this scheme.
3.	The Australian Securities & Investment Commission (ASIC) also has a free call infoline on 1300 300 360 which you may use to make a complaint and obtain information about your rights.

GPLA Securities has arrangements in place to maintain adequate professional indemnity insurance as required by the Corporations Act. This insurance provides cover for claims made against us and our representatives/employees including claims in relation to the conduct of representatives/employees who no longer work for us but who did so at the time of the relevant conduct.

GPLA Securities Pty Ltd
Australian Financial Services Licensee