1300 861 143 Get Your Free Consultation LENDING SERVICES About Calculators INSURANCE FAQ Blogs FINANCIAL ADVICE Client Resources Contact Us Heart Financial Advisers Financial Services Guide Our Financial Services Guide (FSG) is an important document to help you understand the financial services we are able to offer you. Its purpose is to educate you, prior to a financial service being provided, on certain matters such as: who we are and how we can be contacted; what services and products we are authorised under our licence to provide to you; how we (and any other relevant parties) are paid; and who to contact should you have a complaint? If you choose to use our services you may also receive from us a Product Disclosure Statement (PDS) or another type of Offer Document. The PDS or offer document contains information about the particular product and will assist you in making an informed decision about that product. Read our Financial Services Guide here Heart Financial Advisers Privacy Policy We comply with the Privacy Policy of Sentry Financial Services Pty Ltd as they apply. We abide by the Privacy Act covering all personal information held by organisations. Read Sentry Group Privacy Policy here Heart Financial Advisers Complaints Policy This policy explains how you can make a complaint, our measures for handling your complaint, and the steps you can take if you are not satisfied with our response to your complaint or the time that it takes for us to respond. Read Sentry Group Complaints Policy here Heart Mortgage Privacy Policy We abide by the Privacy Act covering all personal information held by organisations. Read Privacy Policy here Heart Mortgage Services Credit Guide This Credit Guide provides you with the key information that you need to know to make an informed and confident choice when engaging our products and services. This guide summarises our organisational goals and standards, our product offerings, any fees, charges or commissions that there are and what you can do should you have a complaint. Please ask if you need more information or clarification. Read our full Credit Guide here Disclaimers The information contained or referred to on this website has been compiled for the convenience of our clients, looking for information about us and the services we provide both financial advice and credit services. We have taken all reasonable care in preparing and presenting this information, but we cannot warrant that it is complete and/or accurate in all respects or fully up to date. We are not responsible for any eventualities arising from the use of the information on this website for any purpose whatsoever. General Advice Warning The information provided on this website has been provided as general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your Adviser before you make any decision regarding any products mentioned in this communication. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Heart Financial Advisers and Heart Mortgage Services nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. Heart Financial Advisers offers services in: Heart Townsville & Rockhampton Wealth Creation Superannuation Wealth Protection Debt Strategies Estate Planning Retirement Redundancy Direct Property Strategies Insurance About Blog Free Consultation Education Calculators Contact Us 1300 861 143 Level 1, 25 Sturt Street, Townsville, Qld, 4810 Heart Financial Advisers Heart Mortgage Services Privacy Policy Financial Services Guide Credit Guide. Complaints Process Stu Varidel and Your Choice Financial Planning Pty Ltd ABN 80124246877 trading as Heart Financial Advisers are authorised representatives of Sentry Financial Services Pty Ltd ABN 30 113 531 034 & AFSL 286786 (Provides financial advice services subject to the Australian Financial Services Licence 286786) Amanda Varidel and Your Choice Mortgage Brokers Pty Ltd atf Halo Innovation Trust trading as Heart Mortgage Services - Australian Credit Licence 386437 (Provides credit & lending services under their credit licence 386437) Sentry Financial Services Pty Ltd does not provide credit services. Please contact us on 1300 861 143 if you are unsure of whether you are dealing with Heart Financial Services or Heart Mortgage Services. Disclaimer The information contained or referred to on this website has been compiled for the convenience of our clients, looking for information about us and the services we provide both financial advice and credit services. We have taken all reasonable care in preparing and presenting this information, but we cannot warrant that it is complete and/or accurate in all respects or fully up to date. We are not responsible for any eventualities arising from the use of the information in this website for any purpose whatsoever. General Advice Warning The information provided on this website has been provided as general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your Adviser before you make any decision regarding any products mentioned in this communication. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Heart Financial Advisers and Heart Mortgage Services nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.