This Financial Services Guide was updated on 11th May 2014 and issued by Kalkine Pty Ltd.
This Financial Services Guide (FSG) is designed to inform you of certain matters relating to our future relationship before we provide you with a financial service. It covers who we are, how we can be contacted, the financial services we are authorised to provide, how our staff are paid, details of any potential conflicts of interest and how you can make a complaint.
This information is set out in the questions and answers that follow.
Please keep this guide for future reference. Should you lose it, a copy is available from us on request or can be downloaded from our website at www.kalkine.com.au
If you do not understand anything in it, or require more information, please feel free to contact us (details below).
Who is Kalkine?
Kalkine Pty Ltd is a publisher of financial information via newsletters, emails, websites and reports
Kalkine publishes the following services:
- Kalkine Investor Report – subscription-only newsletter and e-letter
- Kalkine Resources Report – subscription-only newsletter and e-letter
ABN 34 154 808 312
Level 13, 167 Macquarie Street
Sydney, NSW 2000
Telephone: (02) 8667 3147
Fax: (02) 8667 3200
Who will provide the financial services to me?
Kalkine Pty Ltd acts on its own behalf. Kalkine Pty Ltd is responsible for the financial services provided to you. Australian Financial Services License Number: 425 376
What type of advice you might recieve from us ?
We are licensed to offer general financial advice only. We do not provide, and are not licensed to provide, personal financial advice to our clients. Any general financial advice that we provide has been prepared without taking into account any of your personal investment objectives, financial situation or needs. Therefore, before acting on the advice, you should consider the appropriateness of the advice, having regard to your objectives, financial situation and needs. The advice on theKalkine website, has been prepared without taking into account your objectives, financial situation or needs. You should, before acting on our recommendations, consider their appropriateness to your situation. You should obtain independent advice from a financial adviser or stockbroker who is licensed to provide you with personal financial advice before acting on any of our recommendations and information.
What kind of financial services is Kalkine authorised to provide and what kind of products do these services relate to?
Kalkine Pty Ltd is licensed by the Australian Securities and Investments Commission (ASIC) to carry on a financial services business to provide general financial product advice for the following classes of financial products to retail and wholesale clients;
- Foreign Exchange Contracts
- Debentures, stocks or bonds issued or proposed to be issued by a government
- Interests in a managed investment scheme including investor directed portfolio services
We advise on securities through our newsletters, e-letters, websites and reports.
We do not offer any services for you to buy or sell the securities or derivatives we recommend. A list of stockbrokers who are licensed to deal in securities is available from the Australian Securities Exchange (www.asx.com.au).
IMPORTANT: We provide general financial product advice only, not personal financial product advice. The advice published by Kalkine has been prepared without taking into account your objectives, financial situations or needs.
Before acting on our recommendations, you should consider their appropriateness to your specific investment objectives, financial situation and needs. If you are uncertain as to what your objectives and needs are, you should contact a financial adviser or stockbroker who is licensed to provide you with personal financial product advice.
How does Kalkine get paid?
Kalkine is a subscription-based service. A subscription fee is payable when you subscribe to one of our newsletters.
We offer a range of subscription options.The current range of subscription fees is available on our website (www.kalkine.com.au) or by contacting us. Please note that subscription fees may change from time to time depending on promotional offers.
Kalkine Pty Ltd does not receive any other fees, commissions or benefits for the services it provides.
All employees and directors of Kalkine Pty Ltd receive a salary. They may also receive performance based bonuses. Sales and marketing staff may be paid commissions on subscriptions they sell. No employee is entitled to any other fees, commissions or benefits from Kalkine or any other person in relation to the financial services provided.
How Complaints against us are dealth with ?
If you have a complaint or concern, you should contact us on + 61 2 8667 3147 or by email on firstname.lastname@example.org. We will acknowledge receipt of the complaint and aim to respond to all matters within 30 days however we must give you a final response within 45 days of receiving your complaint. If your complaint or concern has not been resolved satisfactorily, you may wish to contact the independent industry arbiter, the Financial Ombudsman Service (FOS). The contact details for FOS are set out below.
Financial Ombudsman Service
GPO Box 3 MELBOURNE VIC 3001
Phone: 1800 367 287 Facsimile: (03) 9613 6399
What should I know about the risks of the financial advice you provide?
There are risks with all investments and their prices may fall as well as rise. There is also a chance that you could lose your entire investment.
Investments listed on the Australian Securities Exchange are by their nature more volatile and higher risk than many other types of investments. It is the nature of investing that not all recommendations will be successful.
Kalkine assigns risk ratings to the investments recommended. These risk ratings are general in nature and can change over time.
As indicated earlier, we provide general advice only. We do not provide personal advice. We recommend you consult a financial adviser or stockbroker who is licensed to provide you with personal advice to help you determine your risk profile, objectives and needs.
Do you have professional indemnity insurance?
Yes. Kalkine Pty Ltd has professional indemnity insurance arrangements in place, in compliance with our obligations under s.912B of the Corporations Act 2001.
What information do you maintain in my file?
We keep your name, e-mail and address details in our databases for the purpose of providing the services you request. We may also keep your telephone details if you provide them to us. We may also keep a record of any correspondence between you and us, including but not limited to, emails, telephone conversations and letters. At any time, you may change or remove your details by contacting us.
We may from time to time inform you of special offers or new products, or ask your opinion of our services, but you may opt out of receiving any of these offers by contacting us. We will not share your personal information with any third party without your express permission. Kalkine respects your privacy and abides by the Privacy Act.
How does Kalkine manage potential conflicts of interest?
Kalkine Pty Ltd does not have any relationships or associations with any financial product providers that influence, or could reasonably be expected to influence us, in the provision of financial services that we are licensed to provide.
If you were referred to us by a third party or from that third party’s website and you subscribe to one of our paid services, we may pay the third party an amount for referring you to us. You can ask for particulars of such remuneration within a reasonable time after being provided this Financial Services Guide and before we provide any financial services to you.
Employees are prohibited from telling third parties the substance of recommendations before they are published, and are not allowed to instruct others to act on recommendations before they are published or during the blackout period.
Kalkine Pty Ltd, and its related bodies corporate, do not have any relationships or associations with any other financial product providers that influence, or could reasonably be expected to influence, us in the provision of financial services that we are licensed to provide.
We do not undertake commissioned research. All our research is undertaken on an objective basis.
Our staff are required to comply with a staff trading policy, details of which are available on our websites. Staff holdings in listed securities and managed investment schemes are disclosed on the website (access available to subscribers only), and in every print edition.
Kalkine Pty Ltd does not pay commissions to financial advisers.
Kalkine Pty Ltd (ABN 34 154 808 312) holds Australian Financial Services Licence (425376). Kalkine is authorised to provide general advice only. The information on this site does not take into account any of your investment objectives, financial situation or needs. Before you make a decision about whether to acquire a financial product, you should obtain the Product Disclosure Statement from the product issuer. You should consider the appropriateness of advice taking into account your own objectives, financial situation and needs and seek independent financial advice before making any financial decisions.