THE PURPOSE OF THIS GUIDE                            than 20 people And that are purchasing the following        Privacy Policy Statement is available free of charge
    This Financial Services Guide (FSG) is designed to          types of insurance covers:                                  upon request.
    assist you in deciding whether to use any of our            Motor vehicle,  home building, contents, personal and              COMPLAINTS AND CONTACTS
    services and contains important information about:          domestic,   sickness/accident/travel,   consumer   credit   Clients not satisfied with our services should contact
       The services we offer you                               and other classes as prescribed by regulations.             our   Complaints   Officer.   We   are   members   of   the
       How we and our associates are paid                      Some of the information in this FSG only applies to         Australian Financial Complaints Authority (AFCA), a
       Any potential conflicts of interest we may have         Retail Clients and it is important that you understand if   free consumer service. Further information is available
       What to do in the event of a complaint                  you are covered by the additional protection provided.      from our office, or contact AFCA directly on 1800 931
          RESPONSIBILITY FOR SERVICES                                      RETAIL CLIENT ISSUES                             678 or visit www.afca.org.au.   We also follow The
                                                                Typically we only provide General Advice to our Retail      Insurance Brokers Code of Practice.
                       PROVIDED                                                                                             You are able to contact us by phone, in writing, email or
    We hold an Australian Financial Services Licence and        Clients.   General Advice does not take into account
                                                                your particular needs and requirements and you should       in person.
    are authorised to advise and deal in the full spectrum      consider the appropriateness of this advice to your                        COMPENSATION
    of general insurance products.                              circumstances prior to acting upon it.  We will provide
    We are responsible for the financial services provided      you with a General Advice Warning in such cases.            We hold a Professional Indemnity Policy.  This policy is
    to   you,   or   through   you   to   your   family   members,                                                          designed to pay claims by Third Parties (including our
    including the distribution of this FSG.                     If   you are a new Retail Client purchasing Personal        clients) arising out of our Professional Negligence.  The
                                                                Accident or Sickness insurance and obtain Personal          policy extends to covers us for work done for us by
    We are required to meet high standards for staff            Advice, that is, advice that takes into account your        representatives/employees after they cease to work for
    training,   organisational   competence,   management       particular circumstances, we will give you a Statement      us and satisfies the requirements for compensation
    expertise, financial control and compliance disciplines.    of Advice (SOA), that sets out the advice provided and      arrangements under Section 912B of The Act.
                WHO DO WE ACT FOR                               the basis on which the advice is made and our                          CONTACT AGREEMENT
    We usually act on your behalf and in your interests in      remuneration should you purchase the product.
    all matters.  Sometimes, it may be more appropriate for     For existing Retail Clients we may not provide an SOA       To   ensure   that   we   provide   you   with   appropriate
    us to access insurance or manage claims where we act        but rather provide the advice to you orally.  In such       products and services, you agree to us calling you to
    as an agent of the insurer.  If and when this situation     cases you may request us to provide you with a              discuss any new products and services.  If you do not
    arises we will explain and highlight this to you.           Record of Advice (via phone or in writing) which we will    wish to receive such calls please advise us and we will
                                                                provide to you within 28 days of such request.              place you on our Do Not Call Register.
          OUR SERVICES AND PRODUCTS                             When you ask us to recommend an insurance policy            ELECTRONIC DELIVERY OF DISCLOSURE
    We offer a range of services to assist you to protect       for you, we will usually only consider the policies                             NOTICES
    your assets and guard against unexpected liabilities        offered by the insurance providers that we deal with
    including reviewing and advising on your insurance                                                                      Please note that where possible we prefer to provide
                                                                regularly.   In giving you advice about the costs and       all correspondence and disclosure notices (including
    needs, identifying risk factors to avoid claims and         terms of recommended polices we have not compared
    seeking competitive premium quotations                                                                                  Financial   Services   Guides   and   Product   Disclosure
                                                                those policies to other policies available, other than      Statements)   to   you   electronically,   via   email
    We can advise and arrange   a   broad   range   of          from those insurance providers we deal with regularly.      attachments or email links to documents/websites etc.
    insurances on your behalf including: Home Building          If we recommend the purchase of a particular financial      If you have provided your email address to us we will
    and Contents, Private and Commercial Motor, Farm,           product, we will also give you a Product Disclosure         typically use that email address for all correspondence
    Business Packages, Construction, Liability, Industrial      Statement at that time, which sets out details specific     and disclosure notices.  Should you not wish to be sent
    and Professional covers.                                    to that product and the key benefits and risks in           disclosure documents electronically please advise us
                    RETAIL CLIENTS                              purchasing the product.                                     and we will update our records accordingly.
    Under the Corporations Act 2001 (The Act) Retail                     PERSONAL INFORMATION
    Clients are provided with additional protection from        The Privacy Act 1988 sets out standards for the
    other clients. The Act defines Retail Clients as:           collection and management of personal information.
    Individuals or a manufacturing business employing less      With your consent, we will only use your personal
    than 100 people or any other business employing less        information   for   general   insurance   services.     Our
               OUR SOURCES OF INCOME                                                 STEADFAST MEMBERSHIP                                               Moran Insurance
     When placing your insurance we usually receive a                     We are a Steadfast Group Limited (Steadfast) Network
     commission from the insurer.   The amount varies                     Broker and have access to member services including                                       Brokers
     between 0% and 27.5% of the base premium you pay.                    model operating and compliance tools, procedures,
     Where a policy is cancelled before the period of                     manuals and training, legal, technical, HR, contractual
     insurance   has   ended   we   will   usually   retain   the         liability   advice   and   assistance,   group   insurance                   Australian Financial Services
     commission on any return premium involved.                           arrangements,   product   comparison   and   placement
     If you are a Retail Client and we give you Personal                  support,   claims   support,   group   purchasing                                   Licence No: 231145
     Advice, commission amounts will be provided in any                   arrangements and broker support services. These
     SOA or on any relevant invoices where an SOA is not                  services are either funded by Steadfast, subsidised by                                ACN: 006 191 180
     provided.   When we give you General Advice, full                    Steadfast or available exclusively to Steadfast Network
     commission information (including dollar amounts) will               Brokers for a fee.
     be provided on request.                                              Steadfast has arrangements with some insurers and                                  FINANCIAL
     We have a set of standard non refundable Broker Fees                 premium funders (Partners) under which the Partners
     that we charge you for services such as:                             pay   Steadfast   a   fee   to   access   strategic   and                 SERVICES GUIDE
        Market research on products available.                           technological   support   and   the   Steadfast   Broker
                                                                          Network. Steadfast is also a shareholder of some
        Assessing the claims service of insurers.                        Partners. You can obtain a copy of Steadfast's FSG at
        Sourcing alternative quotations and coverage.                    www.steadfast.com.au                                                             Unit 6, 34 Gough Street
        Risk analysis and portfolio co-ordination.                       We may receive a proportion of any income paid to
     All fees payable for our services will be advised to you             Steadfast by its Partners at the end of each financial                              Cremorne VIC 3121
     at the time of providing the advice or service.                      year (or other agreed period).
     We may receive additional remuneration from insurers                 HOW OUR REPRESENTATIVES ARE PAID                                                 PHONE: (03) 9427 0288
     with whom we have profit share or volume bonus
     arrangements.   This remuneration is payable if we                   Our representatives do not receive any benefit directly                     EMAIL: info@moran-ib.com.au
     meet certain agreed sales and/or profitability targets               from the sale of a product to you.  Our representatives
     set   by   the   insurer.     If   we   have   profit   share        may receive bonuses payable based on the overall                                            WEBSITE:
     arrangements with an insurer that apply to a product                 performance of our business.  
     we recommend to you, we will advise you of this at the               If a person has referred you to us, we may pay them a                        www.moraninsurance.com.au
     time   of   making   any   such   recommendation   if   the          part of any fees or commission received.  If you are a                          This FSG applies from 16/08/2021
     amount involved is material.                                         Retail   Client   and   receive   Personal   Advice   full
     We retain the interest on premiums paid by you that                  remuneration details will be disclosed in the SOA or
     are held in our trust account before paying the insurer.             invoices related to the advice.
     If you pay by credit card we may charge a credit card                           CONFLICTS OF INTEREST                                                LACK OF INDEPENDENCE
     fee, which is shown separately on our invoices and is                As a business we have relationships with and receive                 We are   not   independent,   impartial   or   unbiased
     non refundable. This fee covers the cost of bank                     income from various third parties as detailed in this                because   we   receive   commissions   from   the
     charges etc. associated with such facilities.                        FSG. For Retail Clients receiving Personal Advice,                   underwriters that we place your insurance with and we
     Premium funding products enable you to pay your                      details of relationships that impact the advice will be              retain that commission to operate our business.
     Invoice by installments. Premium funders do charge                   included in any SOA or invoice documentation we send
     interest.   We can arrange premium funding if you                    you.  All material conflicts that impact our advice, that
     require it. We will normally receive a commission of                 are not mentioned in this FSG, will be advised to you
     between 1% and 4% of the amount funded from the                      on the invoices related to that advice.
     Premium Funder for arranging the funding. We will tell
     you the basis and amount of any such payment if you
     ask us.