Financial Services Guide Summary
IC Frith & Associates (WA) is committed to an open and professional relationship with you. The following is a summary of our financial services guide (you may download a complete copy of this guide by clicking the appropriate icon at the base of this page).

General Advice Warning
If we provide you with only general advice, which does not take into account your objectives, financial situation or needs, then we will give you a general advice warning at that time.

Statement of Advice
If we provide you with any personal advice,  which does take into account your objectives, financial situation or needs, then you will receive a Statement of Advice (SOA). The SOA will contain our advice, the basis on which our advice is given and information about the remuneration, fees, commissions, other benefits and any association and relationships that may influence the giving of our advice.

Policy Disclosure Statement
If we recommend or offer to arrange the issue of an insurance policy for you, we will also provide you with a Policy Disclosure Statement (PDS), unless you already have an up to date PDS from the insurer. This document will contain information about the particular policy, which will enable you to make an informed decision about purchasing that policy.

What kinds of financial services are we authorised to provide and what kinds of Financial Product(s) do those services relate to?
We are licensed to provide financial services under the Corporations Act and are responsible for the financial services that will be provided to you. We are authorised to issue, advise and deal in general insurance products as an Insurance Broker.  These include, but are not limited to, the following policies for retail clients; Motor Vehicle; Home Building/Contents; Sickness and Accident; and Travel Insurance.

What benefits do we receive for providing financial services?
When we arrange insurance for you, we may obtain a 'commission' from your Insurer (as a percentage of the premium that you pay) and/or we may charge you an administration fee. If we provide you with an SOA, it will document the details.

Will the advice we provide you with be appropriate for you and your circumstances?
To accurately consider your insurance needs and objectives, and to deliver recommendations that are designed to satisfy your requirements, we will need you to provide details of your current financial situation and any relevant information.

What information do we maintain on your file?
We maintain a record of your personal profile, including details of insurance policies that we arrange for you, any recommendations or advice given to you and FSR documents that we provide you with. We are committed to our Privacy Policy (please refer the privacy section on this website).

What should you do if you have a complaint?
Contact us and advise us about your complaint. We will do our best to resolve it quickly and fairly. If your complaint is not satisfactorily resolved within 20 days of us having full information on the matter, please contact the Managing Director on 6274 0500.

We are a member of Financial Ombudsman Service (FOS) and if your complaint cannot be resolved to your satisfaction, you have the right to refer the matter to the FOS on 1300 780 808.

To download a complete copy of our Financial Services Guide click here.

When you ask us to recommend an insurance policy for you, and in giving you advice about the costs and terms of recommended policies, we will usually only consider and compare those policies with those offered by insurers that we regularly deal with.

If you choose not to disclose all the information that we request, any advice that you receive may not be appropriate to your needs, objectives and financial situation. You should carefully read the warnings contained within each SOA before making any decisions about an insurance policy.