This Financial Services and Credit Guide (“Guide”) is intended to inform you of certain basic matters relating to our relationship, prior to us providing you with a financial or credit service.

This Guide contains important information about:
• Who we are
• How we can be contacted
• What services we are authorised to provide to you
• How we (and any other relevant parties) are remunerated
• Details of any potential conflicts of interest
• Details of our internal and external complaint procedures, along with how you can access them.
• Privacy (i.e. collection and handling of your personal information)

Paragem FSG 1 version-18 1 January 2020