Duties Information

When providing financial advice, we must act in your best interests. If a conflict of interest arises, we must give priority to your interests.

We must exercise care, diligence, and skill when providing financial advice. This includes applying professional judgement and taking reasonable steps to ensure advice is appropriate to your circumstances.

Advice must be suitable for you, based on:

• •The nature and scope of the advice agreed
• •Your objectives, needs, and financial situation
• •Relevant information you have provided

We must identify and manage conflicts of interest. This includes how we are remunerated and any incentives that may apply. Where conflicts exist, they must be managed in a way that does not adversely affect the advice provided to you.

For more information about how we are remunerated, see our remuneration information and disclosure statement.

We must communicate with you in a clear, concise, and effective manner. Information provided must not be misleading or deceptive and should support informed decision-making.

We must comply with:

• •The Financial Markets Conduct Act 2013
• •The Code of Professional Conduct for Financial Advice Services
• •Ongoing competence, knowledge, and skill requirements