Consumer-first digital advice

Bank grade technology, for financial institutions seeking to develop and grow digital advice, distribution, partnerships and channels.

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At our core

Helping customers make better financial decisions

On a mission to ensure everyone can achieve a better financial life through advice. We do this by working with and providing our platform to large enterprises, so we affect changes on a large scale.

Ignition helps Financial Institutions attract, retain, and service consumers digitally. Our advice Technology assists new and existing client customers make better financial decisions compliantly and digitally.

Ignition platform

Here’s the breakdown

The Ignition engine is a white-label, multi currency, bank grade digital financial advice platform. It is compatible with the current legacy/migrating technology environments of large financial institutions.
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Consumers need help and service at different times, and at varying levels of complexity on their path to making financial decisions. We focus on supporting these customers, helping them take appropriate actions, and make better financial decisions.

End to End
Omni-Channel
Customise
Secure

Full end to end platform for enterprise. Onboarding / consumer engagement / compliant advice / sales completion / on-going account management and client servicing.

Hybrid technology configured for digital direct to consumer advice / adviser initiated / adviser assisted.

Our platform is modular allowing our clients to turn on only what they require.

Bank-grade technology that is GDPR  / ISO / IEC 27001 compliant.

End to EndOmni-ChannelModularSecure
The core of our technology
Hybrid : Self-serve and/or adviser led

Reinventing the experience for customers of enterprise clients by providing a hybrid approach to financial advice.

Highly configurable and API first

Adaptable and flexible solutions configured to work for all our clients by robust API.

Scalable

Deployed and hosted on a robust infrastructure which can scale on demand.  

Bank-grade technology and compliance

Our technology is live with enterprise clients in Australia and a tier 1 European Bank. Consistent, clear, compliant advice.

Algorithmic advice

Our platform drives algorithmic financial planning advice for your customers.

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Why work with us?

Advice for everyone

Our technology caters for direct-to-customer, adviser initiated, and adviser assisted financial advice capabilities. Reduced distributions costs, digitally serving, compliance at the core.
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Decision support engines that are educational, exploratory, and relevant.

Our people

We understand your world

We are a team of professionals passionate about helping consumers make better financial decisions.
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Our core teams are located in Dublin and Sydney. We are a  blended collective of experienced financial services sector professionals, business owners, mathematicians, developers, and ux designers.

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Head office
Sydney, Australia
NorthPoint, Level 17, 100 Miller St
North Sydney, NSW 2060
australia@ignitionadvice.com
+61 1300 656 924
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Dublin, Ireland
13 Adelaide Road,
Dublin, D02 P950
ireland@ignitionadvice.com
+353 1 555 1662
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For all media enquiries please contact us at the following:
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Privacy and Personal Data Protection Policy

Ignition Wealth Ltd (ACN 602 351 968)
Address: Level 17, 100 Miller Street, North Sydney, 2060 NSW Australia
Website: www.ignitionadvice.com
Email: service@ignitionadvice.com
Phone: 1300 656 924
Australian Financial Services Licence Number: 470 605

1. Introduction

Ignition makes use of a variety of data about identifiable individuals, including data about current, past and prospective employees, customers & prospects, subscribers and other stakeholders. In collecting and using this data, the organisation is subject to a variety of legislation controlling how such activities may be carried out and the safeguards that must be put in place to protect it. Specifically, Ignition must comply with the Australian Privacy Act 1988 ('Privacy Act'), including the Australian Privacy Principles ('APPs') and the European General Data Protection Regulation (GDPR). We are required by law to notify you of the information contained in this privacy notice.

This notice applies to current and former employees, workers and contractors. This notice does not form part of any contract of employment or other contract to provide services. We may update this notice at any time. The purpose of this policy is to set out the relevant legislation and to describe the steps Ignition is taking to ensure that it complies with it. This control applies to all systems, people and processes who have access to Ignition systems.

2. Data Protection Principles

We will comply with data protection legislation. This states the personal information we hold about you must be:

  • Used lawfully, fairly and in a transparent way.
  • Collected only for valid purposes that we have clearly explained to you and not used in any way that is incompatible with thosepurposes.
  • Relevant to the purposes we have told you about and limited only to those purposes
  • Accurate and kept up to date.
  • Kept only as long as necessary for the purpose we have told you about.
  • Kept securely.

3. What kinds of personal information do we collect and hold?

Personal data or personal information means any information about an individual from which that person can be identified. It does not include data where the identify has been removed (anonymous data). There are ‘special categories’ of more sensitive personal data which require a higher level of protection (indicated with a *). We may collect and hold a range of information about you to provide you with our services, including:

  • Personal contact details, including full name, title, address, telephone number and personal email address.
  • Date of birth.
  • Gender.
  • Marital status and dependants.
  • Next of kin, and emergency contact information.
  • PPS, National Insurance Number, Tax File Number.
  • Bank account details, payroll records and tax status information.
  • Salary, annual leave, pension and benefits information.
  • Start date.
  • Location of employment or workplace.
  • Copy of driver's license.
  • Recruitment information – including copies of right to work documentation, reference and other information included in a CV orcover letter as part of the application process).
  • Immigration data.
  • Passport details.
  • Employment records – including job titles, work history, working hours, training records and professional memberships.
  • Compensation history.
  • Performance information.
  • Disciplinary and grievance information.
  • CCTV footage and other information obtained through electronic means such as swipe card records.
  • Information about your use of our information and communications systems, including IP Address, and your social media accounts.
  • Photographs.
  • * Information about your race or ethnicity, religious beliefs, sexual orientations and political opinions.
  • * Information about your health, including any medical conditions, health and sickness records.
  • * Genetic information and biometric data.
  • * Information about criminal convictions and offences.

4. How do we collect personal information?

We generally collect personal information directly from you. For example, personal information will be collected through our application processes, forms and other interactions with you in the course of providing you with our products and services, including when you visit our website, call us or send us correspondence. We may also collect personal information about you from a third party, such as marketing agencies, identity verification services and marketing agencies. If so, we will take reasonable steps to ensure that you are made aware of this Policy. We may also use third parties to analyze traffic at our website, which may involve the use of cookies.Information collected through such analysis is anonymous. We will not collect sensitive information about you without your consent unless an exemption in the APPs applies. These exceptions include if the collection is required or authorized by law or necessary to take appropriate action in relation to suspected unlawful activity or serious misconduct. If you do not provide us with the personal information we request, we may not be able to provide you with our products or services or meet your needs appropriately. We do not give you the option of dealing with us anonymously or using a pseudonym. This is because it is illegal or impractical for us to deal with individuals who are not identified.

5. Unsolicited personal information

We may receive unsolicited personal information about you. We destroy or de-identify all unsolicited personal information we receive,unless it is relevant to our purposes for collecting personal information. We may retain additional information we receive about you if it is combined with other information we are required or entitled to collect. If we do this, we will retain the information in the same way we hold your other personal information.

6. Who do we collect personal information about?

The personal information we may collect, and hold includes (but is not limited to) personal information about the following individuals:

  • customers;
  • potential customers;
  • visitors to our website;
  • service providers or suppliers.

7. How will we use your information?

We will only use your personal information when the law allows us to. Most commonly, we will use your personal information in the following circumstances:

  • Where we need to perform the contract we have entered into with you;
  • Where we need to comply with a legal obligation;
  • Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.

We may use your personal information in the following situations, in the unlikely event they arise

  • Where we need to protect your or someone else’s interest;
  • Where it is needed in the public interest or for official purposes.

For an example of situations we might use your personal information, please refer to . This list is not exhaustive and is a guide only. Your data may be used in other scenarios falling within the scope of the circumstance listed above. We will only use your personal information for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If we need to use your personal information for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so. Please note that we may process your personal information without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.

Special categories

Special categories of particularly sensitive personal information require higher levels of protection. We need to have further justification for collecting, storing, and using this type of personal information. We may process special categories of personal information in the following circumstances:

  • With your explicit consent;
  • Where we need to carry out our legal obligations or exercise rights in relation to your employment with his. We have in place an appropriate policy document and safeguards which we are required by law to maintain when processing such data;
  • Where it is needed in the public interest, such as for equal opportunities monitoring or in relation to our occupational pension scheme. We have in place an appropriate policy document and safeguards which we are required by law to maintain when processing such data.

Less commonly, we may process this type of information where it is needed in relation to legal claims or were it is needed to protect yours or others interests, and you are not capable of giving consent, or have already made the information public. We may also process such information about members or former members in the course of legitimate business activities with the appropriate safeguards.

As an employer, we may use your particularly sensitive information in the following ways:

  • We will use information relating to leaves of absence, which may include sickness absence or family related leaves, to comply with employment and other laws.
  • We will use information about your physical or mental health, or disability status, to ensure your health and safety in the workplace and to assess your fitness to work, to provide appropriate workplace adjustments, to monitor and manage sickness absence and to administer benefits.
  • We will use information about your race or national or ethnic origin, religious beliefs to ensure meaningful equal opportunity monitoring and reporting.
  • We will use your biometric information for the purpose of developing, testing and training biometric algorithms and demonstratingIgnition’s products (with your explicit consent).

We do not need your consent if we use special categories of your personal information in accordance with our written policy to carry out our legal obligations or exercise specific rights in the field of employment law. In limited circumstances, we may approach you for your written consent to allow us to process certain particularly sensitive data, including your biometric information. If we do so, we will provide you with full details of the information that we would like and the reason we need it, so that you can carefully consider whether you wish to consent. You should be aware that it is not a condition of your contract with us that you agree to any request for consent from us.

Criminal Convictions

We may only use information relating to criminal convictions where the law in your jurisdiction allows us to do so. This will usually be where such processing is necessary to carry out our obligations and provided we do so in line with our data protection policy. This will usually be where such processing is necessary to carry out our obligations and provided we do so in line with our data protection policy.

Less commonly, we may use information relating to criminal convictions where it is necessary in relation to legal claims, where it is necessary to protect your or someone else’s interests and you are not capable of giving your consent, or where you have already made the information public. We may also process such information about members or former members in the course of legitimate business activities with the appropriate safeguards.

We will only collect information about criminal convictions if it is appropriate given the nature of the role and where we are legally able to do so. Where appropriate and lawful, we will collect information about criminal convictions as part of the recruitment process or we maybe notified of such information directly by you in the course of you working for us. We will use information about criminal convictions and offenses in the following ways:

Job Applicants UK: An offer of employment will be contingent upon consideration of the results of any background check including information about criminal convictions.

Job Applicants other European countries: We may seek information regarding criminal convictions in any other European jurisdiction where this is legally permissible, for the purpose of considering an offer of employment.

Existing Employees: Where it is reasonably required for our legitimate business interests, for example, for the purpose of complying with customer security requirements when employees enter a customer’s premises, a background check may be undertaken during your employment even if a previous check was already completed. This may include information about criminal convictions where this is legally permissible.

Automated Decision Making

Automated decision making takes place when an electronic system uses personal information to make a decision without human intervention. We are allowed to use automated decision making in the following circumstances:

  • Where we have notified you of the decision and given you 21 days to request a reconsideration;
  • Where it is necessary to perform the contract with you and the appropriate measures are in place to safeguard your rights;
  • In limited circumstances, with your explicit consent and where appropriate measures are in place to safeguard your rights.

If we make an automated decision on the basis of any particularly sensitive personal information, we must have either your explicit written consent or it must be justified in the public interest, and we must also put in place appropriate measures to safeguard your rights. You will not be subject to decisions that will have a significant impact on you based solely on automated decision-making, unless we have a lawful basis for doing so and we have notified you. We do not envisage that any decisions will be taken about you using automated means, however we will notify you in writing if this position changes.

8. Data Sharing

We may disclose data and personal information with third parties, including third party service providers and other entities in the group. We require third parties to respect the security of your data and treat it in accordance with the law. We will share data with third parties where required by law, where necessary to administer the working relationship with you or where we have another legitimate interest in doing so. All our third-party service providers and other entities in the group are required to take appropriate security measures to protect your personal information in line with our policies. We do not allow our third-party service providers to use your personal data for their own purposes. We only permit them to process your personal data for specified purposes and in accordance with our instructions. We will share your personal information with other entities in our group as part of our regular reporting activities on company performance, in the particularly context of a business reorganization or group restructuring exercise, for system maintenance support and hosting of data. Sensitive information will be used and disclosed only for the purpose for which it was provided (or a directly related secondary purpose), unless you agree otherwise or there is a relevant legislated restriction.

Notice for Australian Employees

We may disclose your Tax File Number to other persons when we are acting on your behalf in the conduct of your affairs (for example, to our execution broker, or to share registries). When we do so, we are acting in accordance with Section 8WB(1A) (c) of the Taxation Administration Act 1953. We do not adopt identifiers assigned by the Government (such as driver's license numbers) for our own file recording purposes, unless one of the exemptions in the Privacy Act applies.

If we disclose your personal information to service providers that perform business activities for us, they may only use your personal information for the specific purpose for which we supply it. We require that all contractual arrangements with third parties adequately address privacy issues and will make third parties aware of this Policy.

9. Sending information overseas

We may disclose your personal information to our related companies within the Ignition. To the best of our knowledge, Ignition is GDPR compliant. Otherwise, it is unlikely that we will disclose your personal information overseas. A few of our subsidiaries or associates use offshore outsourcing services (the individual privacy policy of those entities lists any country where an overseas disclosure is likely). Any overseas disclosure does not affect our commitment to safeguarding personal information we collect, and we will take reasonable steps to ensure overseas recipients comply with the relevant legislations. We will not disclose your personal information to overseas recipients without your consent unless:

  • we have taken reasonable steps to ensure that the recipient does not breach the Privacy Act, the APPs or GDPR;
  • the recipient is subject to a similar information privacy regime.

10. Data Security

We recognise the importance of securing the personal information of our customers. We have put in place appropriate security measures to prevent your personal information from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. In addition, we limit access to your personal information to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal information on our instructions and they are subject to a duty of confidentiality. Details of these measures may be obtained from Ignition’s Information Security Manager. We have put in place procedures to deal with any suspected data security breach and will notify you and any applicable regulator of a suspected breach where we are legally required to do so.

11. Direct Marketing

We may only use personal information we collect from you for the purposes of direct marketing without your consent if:

  • the personal information does not include sensitive information; and
  • you would reasonably expect us to use or disclose the information for the purpose of direct marketing; and
  • we provide a simple way of opting out of direct marketing; and
  • you have not requested to opt out of receiving direct marketing from us.

If we collect personal information about you from a third party, we will only use that information for the purposes of direct marketing if you have consented (or it is impracticable to obtain your consent), and we will provide a simple means by which you can easily request not to receive direct marketing communications from us. We will draw your attention to the fact you may make such a request in our direct marketing communications. You have the right to request us not to use or disclose your personal information for the purposes of direct marketing, or for the purposes of facilitating direct marketing by other organisations. We must give effect to the request within a reasonable period of time. You may also request that we provide you with the source of their information. If such a request is made, we must notify you of the source of the information free of charge within a reasonable period of time.

12. Cookies

A "cookie" is a small text file that may be placed on a computer by a web server. Our websites may use cookies which may enable us to identify you or your browser while you are using our site. These cookies may be permanently stored on a computer or are temporary session cookies. They are used for a variety of purposes, including security and personalisation of services. They are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your browser.

13. Updates to this policy

It is the responsibility of management to inform employees and other relevant third parties about this Policy. Management must ensure that employees and other relevant third parties are advised of any changes to this Policy. All new employees are to be provided with timely and appropriate access to this Policy, and all employees are provided with training in relation to appropriate handling of personal information. Employees or other relevant third parties that do not comply with this Policy may be subject to disciplinary action.

14. Your Rights

It is important that the personal information we hold about you is accurate and current. Please keep us informed if your personal information changes during your working relationship with us.

Under certain circumstances, by law you have the right to:

  • Request access to your personal information (commonly known as a "data subject access request"). This enables you to receive a copy of the personal information we hold about you and to check that we are lawfully processing it.
  • Request correction of the personal information that we hold about you. This enables you to have any incomplete or inaccurate information we hold about you corrected.
  • Request erasure of your personal information. This enables you to ask us to delete or remove personal information where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal information where you have exercised your right to object to processing (see below).
  • Object to processing of your personal information where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground. You also have the right to object where we are processing your personal information for direct marketing purposes.
  • Request the restriction of processing of your personal information. This enables you to ask us to suspend the processing of personal information about you, for example if you want us to establish its accuracy or the reason for processing it.
  • Request the transfer of your personal information to another party.

If you want to review, verify, correct or request erasure of your personal information, object to the processing of your personal data, or request that we transfer a copy of your personal information to another party, please contact the HR Department in writing. You will not have to pay a fee to access your personal information (or to exercise any of the other rights). However, we may charge a reasonable fee if your request for access is clearly unfounded or excessive. Alternatively, we may refuse to comply with the request in such circumstances. We may need to request specific information from you to help us confirm your identity and ensure your right to access the information (or to exercise any of your other rights). This is another appropriate security measure to ensure that personal information is not disclosed to any person who has no right to receive it.
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In the limited circumstances where you may have provided your consent to the collection, processing and transfer of your personal information for a specific purpose, you have the right to withdraw your consent for that specific processing at any time. To withdraw your consent, please contact the HR Department. Once we have received notification that you have withdrawn your consent, we will no longer process your information for the purpose or purposes you originally agreed to, unless we have another legitimate basis for doing so in law.

15. Making a complaint

If you have any questions about this Policy, or wish to make a complaint about how we have handled your personal information, you can lodge a complaint with us by:

  • telephoning - 1300 656 924
  • writing - our Privacy Officer, Ignition, Level 17, 100 Miller Street, North Sydney, NSW 2060
  • emailing - privacy.officer@ignitionadvice.com

16. Updates to this Statement

This Statement will be reviewed from time to time to take account of new laws and technology, and changes to our operations and the business environment.

17. Our responsibilities

It is the responsibility of management to inform employees and other relevant third parties about this Statement and of any changes to this Statement. All new employees are provided with timely and appropriate access to this Statement, and all employees are provided with training in relation to appropriate handling of personal information as part of our ISO/IEC27001 certification. Employees or other relevant third parties that do not comply with this Statement may be subject to disciplinary action.

18. Making a complaint

If you have any questions about this Statement, or wish to make a complaint about how we have handled your personal information, you can lodge a complaint with us by:

If you are not satisfied with our response to your complaint, you can also refer your complaint to the relevant Authorities in your country:

Australia

Office of the Australian Information Commissioner

  • Phone - 1300 363 992
  • Postal Address - Director of Complaints, Office of the Australian Information Commissioner, GPO Box 5218, SYDNEY NSW2001, Australia
  • emailing - enquiries@oaic.gov.au

Ireland

Irish Data Protection Commissioner

Website Disclaimer

Ignition Wealth Ltd (ACN 602 351 968)
Address: Level 17, 100 Miller Street, North Sydney, 2060 NSW Australia
Website: www.ignitionadvice.com
Email: service@ignitionadvice.com
‍Phone: 1300 656 924
Australian Financial Services Licence Number: 470 605
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The content on this website or mobile app has been prepared by Ignition Wealth Ltd ("Ignition"), ABN 28 602 351 968, AFS Licence No. 470605.
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This website or mobile app is owned and operated by Ignition. The registered office of Ignition is Level 17, 100 Miller St, North Sydney, NSW 2060, Australia.

General Advice Warning

Unless you have elected to receive personal advice, the information contained on this web site is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Taxation, legal and other matters referred to on this website are of a general nature only and are based on laws existing at the time and should not be relied upon in place of appropriate professional advice. Those laws may change from time to time.

Accuracy & Reliability of Information

Although every effort has been made to verify the accuracy of the information contained in this web site or mobile app, Ignition, its officers, employees and agents disclaim all liability (except for any liability which by law cannot be excluded), for any error, inaccuracy in, or omission from the information contained on this website or any loss or damage suffered by any person directly or indirectly through relying on this information.

Copyright

Ignition owns copyright in the information contained on this website or mobile app. Information may be printed or downloaded for personal use only. The information may not otherwise be reproduced and must not be distributed or transmitted to any other person or used in any way without the express approval of Ignition.

Links to Other Sites

Ignition is not responsible for the content of any site owned by a third party that may be linked to this website or mobile app, whether such a link is provided by us or by a third party. These links are provided as a courtesy service and no judgement or warranty is made by us concerning the suitability, accuracy or timeliness of the content of any site that may be linked to the Ignition website or mobile app. By providing access to other websites, we are not recommending or endorsing any brand, products or services offered by the organisation sponsoring or owning the linked website.

Privacy Statement

The Ignition Wealth Privacy Statement can be found by clicking here

Changes

Ignition may vary this disclaimer at any time. Your continued use of the website constitutes your acceptance of the disclaimer as amended.

Governing Law

The use of this website and the provision of such facilities, products and services will be governed by the laws of New South Wales.

Website Terms and Conditions

Ignition Wealth Ltd (ACN 602 351 968)
Address: Level 17, 100 Miller Street, North Sydney, 2060 NSW Australia
Website: www.ignitionadvice.com
Email: service@ignitionadvice.com
Phone: 1300 656 924
Australian Financial Services Licence Number: 470 605
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This website is created and controlled by Ignition Wealth Ltd (ACN 602 351 968) which is referred to as we, us or our. Your access to and use of this website or our mobile application (the Website) is subject to these terms and conditions, Privacy Policy, notices, disclaimers and any other terms and conditions or other statements issued or authorised by us that are contained on the website (referred to collectively as the Terms). By using the Website you agree to be bound to the Terms.

1. Terms and conditions of use

  • Please read the Terms carefully. We reserve the right to amend the Terms from time to time without notice and at our discretion. It is your responsibility periodically to review this page for updates to the Terms, which shall come into effect once posted. Your continued use of the Website will be deemed acceptance of the Terms.
  • We are a company incorporated in Australia, and the Terms are governed by and subject to the laws of New South Wales, Australia.
  • If you do not agree to the Terms, you must not use or access the Website.

2. Use of our contact details

  • The publication on our Website of any person's contact details does not constitute implied or express consent by us or the person to receive unsolicited commercial electronic messages or SPAM.

3. Limitations on use

  • You may not decompile, reverse engineer, disassemble, rent, lease, loan, sell, sublicense, or create derivative works from the Website or the user content. Nor may you use any network monitoring or discovery software to determine the Website architecture, or extract information about usage, individual identities or users.
  • You may not copy, modify, reproduce, republish, distribute, display, or transmit for commercial, non-profit or public purposes all or any portion of the Website or the user content without our prior written permission.

4. General Warning

  • You should not act, or refrain from acting solely on the basis of the material contained on this Website unless you to proceed to accept and rely on personal advice provided by us via our Statement of Advice which is generated if you proceed to completion various sections of the website

5. Disclosure of documents

  • You will receive disclosure of Financial Services Guides, Statements of Advice, and other financial services disclosure documents electronically unless you expressly request not to receive such documents electronically. If documents are provided electronically, you will receive an email notification each time a new disclosure document is available for you.

6. Access to security

  • We do not warrant that you will have continuous access to the Website or that your access or use will be error-free.
  • We will not be liable in the event that the Website is unavailable to you for any reason (for example, due to computer downtime attributable to malfunctions, upgrades, server problems, preventative or remedial maintenance activities or interruption in telecommunication supplies).
  • We reserve the right at any time to deny or terminate all or part of your access to the Website where in our opinion, there are concerns regarding unreasonable use, security or unauthorised access or where you have breached any of these Terms.
  • If we issue you with a username and password enabling you to access special features on our website you must keep these details confidential.

7. Intellectual Property Rights

We may disclose personal information to:

  • We are the owner and/or authorised user of all trade marks, service marks, design marks, patents, copyrights, database rights and all other intellectual property appearing on or contained within the Website, unless otherwise indicated. All information, text, material, graphics, software and advertisements on the Website are our copyright and that of our suppliers and licensors unless expressly indicated otherwise by us.
  • Except as provided in the Terms, use of the Website does not grant you any right, title, interest or license to any such intellectual property you may access on the Website. We own the rights, or have permission to use, the trademarks listed on our Website.
  • We may authorise you to use content on our Website if you contact us and we agree in writing.

8. Can you link to our website?

You are welcome to link to our Website as long as you observe the following conditions:

  • you present the links in a way which fairly represents us. The link(s) must not cause us embarrassment;
  • the context of the link must not suggest that we endorse you in any way, or have any connection with your site; and
  • the context of the link must not suggest that we have created any of your content.

9. Links to other sites

  • The Website may contain links to other websites (Linked websites). Those links are for convenience only and we are not responsible for the content or practices associated with Linked websites.
  • Our link with a Linked website is not an endorsement, approval or recommendation of those Linked web sites.

10. Disclaimer and Limitation of liability

  • We cannot guarantee the safety or security of your computer system or other electronic device. We do not accept liability for any loss or corruption of electronically stored data or any damage to any computer system or other electronic device sustained in connection with the use of the Website or user content.
  • We make no representations or warranty of any kind, express or implied as to the operation of the Website or the user content. You expressly agree that your use of the Website is entirely at your sole risk.
  • To the extent permitted by legislation such as the Competition and Consumer Act 2010 (Cth), the Website is provided on an "as is, as available" basis.
  • The Competition and Consumer Act 2010 (Cth) and similar State and Territory legislation in Australia may confer rights and remedies on you in relation to the provision by us of the Website (including the various functions contained on the Website) which cannot be excluded, restricted or modified (Non-excludable Rights). Except for any Non-excludable Rights you agree to exclude all other conditions and warranties implied by custom, law or statute.
  • We expressly disclaim all responsibility for any loss, injury, claim, liability, or damage, or any indirect, incidental, special or consequential damages or loss of profits whatsoever of any kind resulting from, arising out of or any way related to:
    1. any errors in or omissions of the Website and/or the user content, including but not limited to technical inaccuracies and typographical errors,
    2. any third party web sites or content directly or indirectly accessed through links in the Website, including but not limited to any errors in or omissions,
    3. the unavailability of the Website or any portion,
    4. the fitness for any purpose of the website or any information contained in it;
    5. your use of the Website, or
    6. your use of any electronic device or software in connection with the Website.

11. Indemnification

  • You agree to indemnify, defend and hold us harmless, our officers, directors, employees, agents, licensors, suppliers and any third party information providers to the website from and against all losses, expenses, damages and costs, including reasonable lawyer fees, resulting from any violation of the Terms by you.
  • You also agree to indemnify us against any claims that information or material which you have submitted to us is in violation of any law or in breach of any third party rights (including, but not limited to, claims in respect of defamation, invasion of privacy, breach of confidence, infringement of copyright or infringement of any other intellectual property right).

12. Third Party Rights

  • The provisions of paragraphs 10 (Disclaimer and Limitation of Liability), and 11 (Indemnification) are for our benefit and the benefit of our officers, directors, employees, agents, licensors, suppliers, and any third party information providers to the Website. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on their own behalf.
  • The following product suppliers have specific Terms & Conditions relevant to our services as below:
    1. Macquarie Bank Cash Management Account http://www.macquarie.com/au/about/disclosures/terms-of-use
    ‍    2. Open Markets Broking account http://www.openmarkets.com.au/

14. Representations

  • In using our website and application, you represent and warrant that:
    1. the information you provide is true and correct;
    2. if you are using this website and application in your capacity as trustee of a Self Managed Super Fund or as agent for another person, you will be bound in both your personal capacity, and your capacity as a trustee or agent.

14. Unlawful Activity

  • We reserve the right to investigate complaints or reported violations of the Terms and to take any action we deem appropriate including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to user profiles, e-mail addresses, usage history, posted materials, IP addresses and traffic information.

15. Confidentiality and Privacy

  • In the course of your use of the Website, you may be asked to provide personal information to us (User Information). Our information collection and use policies with respect to such User Information are set forth in our Privacy Policy, which is incorporated into the Terms by reference. You acknowledge and agree that you are solely responsible for the accuracy and content of the User Information.
  • Your use of the Website is subject to our Privacy Statement

16. Severability of Provisions

  • If any provision of the Terms is unlawful, void or unenforceable, then that provision shall be deemed severable from the remaining provisions and shall not affect their validity and enforceability.

17. Termination

  • These Terms are effective until terminated by us
  • In the event of termination, you are no longer authorised to access the Website, but all restrictions imposed on you and the disclaimers and limitations of liability set out in the Terms will survive termination.
  • Such termination shall not affect any legal right that we may have accrued against you up to the date of termination.
  • We may also remove the Website as a whole or any sections or features of the Website at any time.

Ignition Wealth Ltd trading as Ignition Advice

Ignition Wealth Ltd (ACN 602 351 968)
Address: Level 17, 100 Miller Street, North Sydney, 2060 NSW Australia
Website: www.ignitionadvice.com
Email: advice@ignitionadvice.com
‍Phone: 1300 656 924
Australian Financial Services Licence Number: 470 605
Preparation date: 1st November 2018 (Version: 1.9)

1. What is a Financial Services Guide?

This Financial Services Guide ('FSG') helps you understand and decide if you wish to use the financial services we are able to offer you.It provides you with information about Ignition Wealth Ltd (Ignition, us, our, we) and the services we provide. It tells you:

  • who we are and how we can be contacted
  • what services and products we are authorised to provide to you
  • how we (and any other relevant parties) are paid; and
  • how we deal with complaints.

We have arrangements in place to maintain professional indemnity insurance. This insurance satisfies the requirements under section 912B of the Corporations Act 2001.

Please retain this FSG for your reference and any future dealings with us. We may also add documents at a later date which will also form part of this FSG, and these should be read together with the FSG. These documents will include the word 'FSG' in the heading.

2. Who will be providing the Financial Services to you?

The Licensee
‍Ignition is the holder of an Australian Financial Services Licence and is responsible for the financial services that it and its representatives provide to you. Ignition authorises, and is also responsible for, the content and distribution of this FSG. Ignition's contact details are provided on the first page of this FSG.We act on your behalf when we provide financial services to you.

3. How you may provide instructions to us

You can contact us using the details at the start of this document.

4. What services and products are we authorised to provide to you?

Ignition is a digital advisory business.We provide services to enterprise clients on a business to business basis. Ignition does not provide personal or general advice to retail clientsWe are authorised to deal in and offer financial product advice, to retail and wholesale clients, for the following classes of financial products:

  • basic and other deposit products;
  • debentures, stocks or bonds to be issued or proposed to be issued by a government;
  • life products including
    - investment life insurance products
    - life risk insurance products
  • interests in managed investment schemes (including investor directed portfolio services)
  • retirement savings accounts
  • securities; and
  • superannuation.

In providing our services, other financial matters may arise, such as taxation issues. However, we are not authorised to provide advice relating to those financial issues, or any other issues except those explained above. You should seek specific advice from the appropriate professionals if these issues are relevant to you.

5. What fees and commissions are payable to Ignition?

We receive fees from our enterprise clients for the services we provide.
We do not charge retail clients for advice.
You may request more details about the way Ignition is remunerated within a reasonable time after receiving this document.

6. How are our people and third parties remunerated?

Ignition's directors and its employees are remunerated by salary and may also be awarded an annual bonus. Bonuses will depend on several factors including but not limited to company and personal performance.

Ignition's shareholders will also receive a benefit based on Ignition's ongoing company performance.

7. What should you do if you have a complaint?

If you have a complaint, please contact our Complaints Manager on complaints.officer@ignitionadvice.com and we will try and resolve your complaint quickly, fairly and within prescribed time frames.

If the complaint cannot be resolved to your satisfaction you have the right to refer the matter to the Australian Financial Complaints Authority Limited (AFCA) which is an external complaints service, of which we are a member (Member Number 35852). You can contact AFCA on 1800 931 678 (if in Australia) or +613 8623 2005 (if outside Australia) or in writing at GPO Box 3, Melbourne, Victoria 3001, Australia. You can also contact AFCA through their website: www.afca.org.au.