This Financial Services and Credit Guide (‘FSCG‘) is an important document prepared by Acquisitionlab Australia Pty Limited (trading as ‘Zippifi’) to assist you in determining whether you wish to use any of the financial services or products provided by Zippifi.

This FSCG also provides information about:

• who we are;
• what services and types of financial product we are authorized to provide you;
• how we are paid;
• any potential conflict of interest we may have; and
• our internal and external dispute resolution procedures and how you access them.

Zippifi is authorised to carry on a financial services business to provide general financial product advice and apply for acquire, vary or dispose of a financial product on behalf of another person in respect of:

• deposit and payment products;
• general insurance products;
• life risk insurance;
• interests in managed investment schemes excluding investor directed portfolio services;
• securities;
• standard margin lending facility and;
• Superannuation.

Zippifi is authorised pursuant to the Australian Credit Licence, to:

Engage in credit activities other than as a credit provider by:

• providing a credit service where the licensee is not or will not be:

  • where the service relates to a credit contract or proposed credit contract – the credit provider under the contract; or
  • where the service relates to a consumer lease or proposed consumer lease – the lessor; and/or
• performing the obligations or exercising the rights of a credit provider in relation to a credit contract or proposed credit contract under which the licensee is not or will not be the credit provider; and/or
• performing the obligations or exercising the rights of a mortgagee in relation to a mortgage or proposed mortgage that secures or will secure obligations under a credit contract under which the licensee is not the credit provider; and/or
• performing the obligations or exercising the rights of a beneficiary under a guarantee or proposed guarantee that guarantees obligations under a credit contract under which the licensee is not the credit provider; and/or
• performing the obligations or exercising the right of a lessor in relation to a consumer lease or proposed consumer lease where the licensee is not or will not be the lessor.

Not all banking and insurance products are shown on our search results or top tables. This is for one of four reasons:

• Some institutions are not in a position to accept online leads because, for example, they can only deal with customers from a certain industry, or from a limited geographic area, or because they might not be able to process any new customers at all for a period of time;
• Some institutions won’t allow Zippifi to get access to their data;
• Zippifi may have rated their products poorly; or
• Some institutions aren’t willing to pay for leads so from time to time or will not provide a suitable consumer link, we’ll exclude them from our default search results if we believe that we can still offer users a good set of search results. However, we always offer consumers the ability to see these institutions with one additional click.

All our services are provided on the basis of the terms of use, disclaimer and privacy policy published on our website. Please review these carefully. You will be deemed to have accepted these terms when you visit and use our website.

Under the Corporations Act, Zippifi is deemed to provide general financial product advice to you through any of the above means and to deal, even though we do not deal directly with you.

Zippifi materials may be distributed to you through third party intermediaries, including advisers or mortgage brokers or may be published on our website.

Zippifi does not accept instructions in relation to our services directly from you.

General advice provided by Zippifi does not constitute personal advice as it does not take into account your financial situation, needs and objectives.

Zippifi's credit licence authorisation requires it to provide you with a credit guide setting out the information in this document.

Zippifi is not owned by any financial product issuer. Zippifi may provide some product issuers with referrals and advertising placements. It has partnership arrangements with third parties in relation to data supply. For more details see below.

Mr Michael Speight is Managing Director and CEO of Acquisitionlab Australia Pty Ltd. Mr Paul Bolton is a non-executive Director of Acquisitionlab Australia Pty Ltd.

For an overview of our remuneration please refer to the following link: How we make money

Zippifi employees receive a salary and do not receive remuneration, commissions or other benefits from any product issuers. They may be eligible for an annual performance payment which is discretionary and based on reaching agreed performance levels.

Zippifi may pay third parties who refer people to our website or from Zippifi content displayed on third party websites.

Zippifi holds professional indemnity insurance satisfying the requirements of section 912B of Corporations Act (2001) and section 48(1) of the National Consumer Credit Protection Act (2009). Representatives who have left Zippifi employment are covered by our insurance in respect of the events occurring during their employment.

Should you wish to lodge a complaint about the service provided by Zippifi you should send an email to our Complaints Officer at info@Zippifi.com or visit our Complaints page for more information. We have established procedures to ensure that all complaints are properly considered and dealt with. Complaints relating to financial products may be referred to the product provider, as required by legislation.

We are a member of the Australian Financial Complaints Authority (AFCA). If you are not satisfied with the way we handle your complaint, you may take your complaint to AFCA.

AFCA’s contact details are:

• Australian Financial Complaints Authority
• GPO Box 3
• Melbourne Vic 3001
• T: 1800 931 678 (Australia Wide)
• E: info@afca.org.au
• W: www.afca.org.au