Financial Services Guide (FSG)

The Rask Group Pty Ltd (ACN: 622 810 995) (“we”, “our” or “us”) is a Corporate Authorised Representative No. 1264179 of Strawman Pty Ltd (ACN: 610 908 211) (AFSL: 501 223). The Rask Group Pty Ltd owns and operates the website www.raskfinance.com & www.raskmedia.com.au, as well as invest.raskfinance.com (the member-only pages we call “Rask Invest”). Strawman Pty Ltd (“Strawman”) has authorised the distribution of this Financial Services Guide (“FSG”).

Date: 29 November, 2018

The purpose of this FSG is to assist you in deciding whether to use any of the services offered in this FSG. This FSG contains information about the remuneration that may be paid to The Rask Group Pty Ltd and Strawman and information about how complaints about The Rask Group Pty Ltd may be dealt with.

This Financial Services Guide (“FSG”) also includes the following information:

  • Who we are
  • How you can contact us
  • How we use your personal data
  • How we get paid
  • The details of our dispute resolution process
  • The Australian Financial Services Licensee (“AFSL”) and authorised representative details

The information included in our FSG is general information about the services we provide, If you have questions about this FSG or our services, please contact us using the following information:

The Rask Group Pty Ltd

Suite 103 3/159 Burwood Road, Hawthorn, Victoria, 3122

Email: service@raskfinance.com

Online: www.raskfinance.com/contact

Who are we?

The Rask Group Pty Ltd is an Australian-owned financial services and education business which publishes financial education and general financial advice via newsletters, email, audio, video, radio, television, reports, seminars, a public website and members-only websites.

Our goal is to empower Australians to take control of their finances via our free educational resources and paid general financial advice Subscription Services.

Our Subscription Services include:

  • Rask Invest

Rask Invest is a subscription newsletter and member-only website. The cost of a membership is $365 per year, payable at the Commencement Date of the Subscription Service. However, with promotions, the regular price may change from time-to-time. We provide general financial advice on various financial topics, including:

  • ASX and international shares
  • Exchange traded funds (ETFs)
  • Managed funds
  • Property, and
  • Financial markets and the economy

We also provide factual information and education on Superannuation, insurance and budgeting.

  • Special Free Reports, Podcasts and Newsletters

We often publish free written, audio or video reports on finance and investing. This includes a free finance newsletter, which we use to grow awareness for our paid services.

  • Rask Media

Rask Media, the website found at URL: www.raskmedia.com.au, is our news and publishing arm, which provides market commentary, news and analysis produced by in-house writers, contractors and third-party experts. We also use this website to host our podcasts, market our Subscription Services, free newsletters and education.

The Services We Are Authorised To Provide

The Rask Group Pty Ltd (ACN: 622 810 995) is a Corporate Authorised Representative No. 1264179 of Strawman Pty Ltd (ACN: 610 908 211) (AFSL: 501 223) and we are authorised to provide general financial product advice to retail and wholesale clients in relation to the following classes of financial products:

  1. ASX and international shares and exchange traded funds (i.e. “securities”);
  2. Managed funds

In providing these services, The Rask Group Pty Ltd and Strawman act on their own behalf and neither The Rask Group Pty Ltd or Strawman are providing these services as your agent or broker.

General Advice Only – Investment Warning

We provide general financial advice only. That means, the advice does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. In addition, you should obtain and read the product disclosure statement (PDS) before making a decision to acquire a financial product.

If you don’t know what your needs are, you should consult a trusted and licensed financial adviser who can provide you with personal financial product advice.

How We Use Your Personal Data

We are committed to ensuring your privacy. We have a Privacy Policy, which can be accessed on any of our websites, including www.raskfinance.com, www.raskmedia.com.au; or by emailing us (see our contact information below).

To provide our services, we collect your name, date of birth and email address. We may also keep your telephone number, address or payment details if you provide them to us. If you click on any links to a third party website from www.raskfinance.com, www.raskmedia.com.au and affiliated websites, including when paying for a Subscription Service via PayPal or Stripe, you should be aware that these other sites may have their own privacy and data processing practices.

We may also keep a copy of any correspondence between you and us. This may include your emails, telephone calls and letters. Should you wish to change or remove your information from our database, please write to us.

We do our utmost to keep your information secure and will never disclose any of your personally identifiable information to third parties without express permission. This does not include trusted third parties who assist us in maintaining our services, including our website. We will not sell or lend your personal information to any third party.

At times, we may contact you with promotional offers and marketing via email, or we may contact you via phone to help with account related enquiries or to ask for feedback.

How We Are Paid

Subscriptions: We make money by charging a subscription fee to access our premium services. For example, to access Rask Invest the usual cost is $365 per year, minus any discounts or promotions.

WE TAKE A FIRM VIEW: We do not accept commissions, discounts for products or services rendered, or any other type of third-party incentive from financial services companies or advisers.

Advertising: At times, we may receive advertising revenue (the same way most news websites do).

Expert contributions: Third-party finance experts are invited to contribute their content to www.raskmedia.com.au. The Rask Group does not receive money or compensation for this.

As an authorised representative, Rask Group Pty Ltd pays Strawman a fixed annual fee. Strawman does not receive commissions from third-party providers of products recommended by Rask Invest.

How Can You Deal With Us?

You can subscribe for our premium content, such as our Subscription Services, on our websites. If you cannot access our websites, you can contact us via email (see “How To Contact Us” below). We offer a money-back guarantee period of 7 days from the day the Subscription Service begins.

How Do We Pay Our Staff?

The Rask Group Pty Ltd and its directors and staff receive fixed salaries and, in some circumstances, may be entitled to receive performance-based bonuses. In addition, shareholders are entitled to dividends.

Do You Have Any Relationships Or Associations That Might Influence The Advice?

The Rask Group Pty Ltd, its directors and staff, may deal in or have a financial interest in the securities and other financial products referred to in our publications, our free services or when we give other general financial advice.

All employees must disclose their financial interest or position in any product mentioned as part of our services. You should carefully consider the disclosures we make in our publications. These financial interests should not be considered as a recommendation.

With respect to our model portfolio (part of Rask Invest), we will wait at least five full market days after we issue a buy or sell recommendation before we transact in the security.

The Rask Group Pty Ltd is owned exclusively by the Raszkiewicz family and its directors. We do not have ownership ties with any product provider.

Strawman also does not have any associations or relationship with the providers of products recommended by The Rask Group Pty Ltd that would impact upon the advice that we provide.

Professional Indemnity Insurance

Strawman has professional indemnity insurance in place that satisfies the requirements for compensation arrangements under section 912B of the Corporations Act. These insurance policies cover the services provided by us and our representatives after they cease working with us. The compensation arrangements that Strawman has satisfy the requirements for compensation arrangements under section 912B of the Corporations Act 2001.

What Should I Do If I Have A Dispute Or Complaint?

Step 1: You can make a complaint about our services by email using: service@raskfinance.com.

Step 2: We have established procedures to ensure that all complaints are handled in a timely manner. We’ll aim to acknowledge all complaints immediately. We’ll do our best to address your concerns. 

Extra step: If you are not satisfied with our response to a complaint, you may refer the complaint (at no cost) to Australian Financial Complaints Authority (AFCA), GPO Box 3, Melbourne VIC 3001. You can contact them through their website at www.afca.org.au or you can call them toll-free on 1800 931 678. Strawman, our licensee, is a member of AFCA (member number 40584). 

How Can I Contact You?

Our contact details are as follows:

The Rask Group Pty Ltd

ACN: 622 810 995; authorised representative number: 1264179

Suite 103 3/159 Burwood Road

Hawthorn, Victoria, 3122

Email: service@raskfinance.com

Email: editor@raskmedia.com.au

Online: www.raskfinance.com/contact

Online: www.raskmedia.com.au

Our authorising AFS licensee:

Strawman Pty Ltd AFS licence no. 501223

Accru Felsers’ Level 6, 1 Chifley Square

SYDNEY NSW 2000

Email: admin@strawman.com

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"I love reading disclaimers!" - Said no one ever

Welcome to Rask Media. Do yourself a favour and read this disclaimer: General Advice Warning & Performance WarningThis website contains general financial advice and information only. That means the advice and information does not take into account your objectives, financial situation or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. In addition, you should obtain and read the product disclosure statement (PDS) of the financial product before making a decision to acquire the financial product.Unfortunately, we cannot guarantee the accuracy of the information on this website, including financial, taxation and legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant or financial (tax) adviser.By continuing to use this website operated by The Rask Group Pty Ltd you agree to our Terms of ServicePrivacy Policy and Financial Services Guide. The Rask Group Pty Ltd is a Corporate Authorised Representative (No. 1264179)  of Strawman Pty Ltd (AFSL: 501 223).Please read our Code of Ethics or if you need help understanding these policies please use the “Contact Us” page to get in contact with us today.