Financial Services Guide (FSG)

The Victoria Devine Collective PTY LTD SHES ON THE MONEY PTY LTD (ABN: 50 626 602 668) and Victoria Devine are Authorised Representatives (1299521 and 1259608 respectively) MONEYSHERPA PTY LIMITED (ABN 32 164 927 708) MoneySherpa holds an AFSL No. 451289 and has authorised us to provide general financial product advice and to arrange and deal in a range of financial products. This means that when we provide you with factual information or general advice about financial, we do so as their representative.

NOT INDEPENDENT

MoneySherpa or its authorised representatives may receive commissions on Life Insurance products and so cannot be considered Independent or impartial.

NOT PERSONAL ADVICE

Any advice we provide will be general advice and won't be tailored to your personal circumstances. Before you make any financial decisions you should consider your own needs, read the relevant disclosure statement and consider obtaining professional advice. If you need personal advice please let us know and we can refer you to an appropriate advice professional.

We are physically located at Level 3, 162 Collins Street, Melbourne, Victoria 3000.

You might find it more convenient to locate us at www.shesonthemoney.com.au

The purpose of this document

The FSG is designed to help you understand the services that we are authorised to provide and to decide whether you wish to use the services we offer.

This document outlines:

  • The services and types of products that we are authorised to provide to you;

  • How we are paid for the services we provide;

  • Any associations, interests or relationships that might influence our advice or the services we provide; and

  • How you can provide us with feedback on our services or get help if you have a problem.

Money Sherpa have authorised us to distribute this FSG.

Our services

shesonthemoney.com.au was established to provide consumers with the information and tools they need to understand and compare a range of products and services – including deposit products and life insurance.

We believe that by helping you to compare and understand financial and insurance products we're helping you to take control of your financial situation. The factual information and general advice we provide can help you make better decisions and free you from financial anxiety. Although we'll only provide you with factual information and general advice, if you need professional advice tailored to your specific needs and circumstances we can refer you to a professional adviser.

Our products and services

We provide comparative information and general advice on savings accounts, term deposits, superannuation, managed investment schemes, securities, life insurance and income protection products.

Although we provide information on the products offered by a wide range of providers, we don't cover every product available and you should consider whether the products featured on our site are appropriate for your needs.

We are authorised to provide general advice and deal in superannuation, securities, managed investment schemes, life insurance products, basic deposit products and term deposits. The advice we provide is in the form of comparative information on the financial products listed on our website. We can provide you with information on these products and, should you wish to purchase a product, we can refer you to the product provider.

In some cases, we'll need to collect certain information from you to provide you with a quote. Please understand that we don't recommend that a specific product is appropriate for you because we don't know enough about your circumstances to provide you with personal advice, so you have to consider your own situation and needs to determine the appropriateness of the information we provide.

We don't provide personal financial product advice so you'll never receive a Statement of Advice ("SoA") from us.

Product information

Should you decide to purchase any of the products about which we provide factual information or general advice, we encourage you to read the Product Disclosure Statement ("PDS") for that product. The PDS is designed to assist you to understand the financial product, its risks and benefits as well as the fees and charges.

The PDS can be found on the provider's websites.

Our remuneration

We may earn income from generating qualified referrals to financial institutions, financial advisers, mortgage brokers and accountants. If you visit a provider's website via our website, we may get paid either for that click itself or if you transact with the provider. Some examples include applying for insurance, opening a savings account or completing an application form on the provider's website. We receive commission share on referrals to third party advice providers and they will disclose this in their advice to you.

Protecting your privacy

The privacy of your personal information is important to us and we respect your confidentiality. We won't ask you for information we don't need but, in order to provide quotes and some comparative information, we may collect some personal information from you.

You have the right not to provide the personal information we request, but this may compromise the effectiveness of the advice or information you receive. Rest assured that any personal information we collect or receive will be handled in accordance with our Privacy Policy.

Professional Indemnity insurance

We maintain professional indemnity insurance to cover the information, advice, and services we provide. Our policy satisfies the requirements imposed by the Corporations Act 2001 and financial services regulations.

Feedback and dispute resolution

We welcome your feedback on the information and service we provide and we encourage you to submit your views via our website.

While we hope that you'll be delighted with our service, if you do have any problems or concerns please:

Contact us directly and tell us about your complaint. If your complaint is not satisfactorily resolved within three days, please contact The Victoria Devine Collective Pty Ltd via hello@shesonthemoney.com.au or put your complaint in writing and send it to:

The Victoria Devine Collective Pty Ltd
Level 3, 162 Collins Street
MELBOURNE VIC 3000

The Victoria Devine Collective Pty Ltd will try to resolve your complaint quickly and fairly.

If your complaint has not been resolved satisfactorily, you may escalate your complaint to one of the following independent services.

Type of complaint External complaints service

Financial advice, investments, superannuation or insurance matters Financial Ombudsman Service (FOS) on 1300 780 808. After 31 October 2018, please refer your complaint to the Australian Financial Complaints Authority (AFCA) on 1800 931 678.

Personal information held The Office of the Australian Information Commissioner on 1300 363 992

The Australian Securities and Investments Commission (ASIC) may be contacted on 1300 300 630 to find out which body may be best to assist you in settling your complaint.


Issue Date: 4 October 2023