Advice Disclaimer

All information contained on this website is provided as an information service only and, therefore, does not constitute, and should not be relied upon as, financial product advice. None of the information provided takes into account your personal objectives, financial situation or needs, and you will need to make your own decision about how to proceed.

Alternatively, for financial product advice that takes account of your particular objectives, financial situation or needs, you should consider seeking financial advice from an Australian Financial Services licensee before making a financial decision. If you would like a referral to a licensed financial adviser, please contact us and we can arrange a referral.

Grow SMSF Pty Ltd does not hold an Australian Financial Services Licence (AFSL), nor is our company, nor are any of our employees or directors authorised representatives of an AFSL. We do not provide financial product advice or recommend any financial products, either explicitly or impliedly.

From time to time, Grow SMSF may produce information or content about specific financial products or services that enable access to specific financial products; however, we do not recommend, endorse or confirm as suitable any financial product or service featured on the Grow SMSF website or social media assets. 

This condition applies explicitly to any financial product where Grow SMSF provides services at a discount or preferential fee due to using those products, services or accounts. It’s not compulsory to utilise a specific account, platform or service provider to be a client of Grow SMSF; however, the types of accounts, investments and service providers you use for your SMSF will determine the quantum of work involved in completing your annual compliance work and therefore the fees your SMSF is charged.

Where Grow SMSF provides information about a financial product or service supported by or integrated with Grow SMSF, the information is factual only about the operation of the account, platform or service and how data or reporting information is made available to us. Any information is not intended to influence your decision to use that product. 

Before deciding on any financial product for your SMSF, you should obtain a Product Disclosure Statement (PDS) and/or Target Market Determination (TMD) relating to that product and consider the PDS before making any decision. As financial product and solution providers are frequently making changes to their products and services, Grow SMSF cannot accept any responsibility for any outdated or inaccurate information provided on this website or via social media assets.

An SMSF must have a bank account to receive deposits including rollovers and contributions and to pay expenses, taxes and payments to members. When submitting your SMSF setup order you may instruct Grow SMSF to refer you to Macquarie to enable a Macquarie Cash Management Account (CMA) to be set up. By providing this instruction to Grow SMSF you are confirming that you’ve made the decision to establish a Macquarie CMA for your SMSF and are requesting Grow SMSF provide administrative assistance to set up the account.

It is not compulsory to set up and use the Macquarie CMA to use the services of Grow SMSF. You can use an alternate bank account for your SMSF however this may impact the quantum of work involved in administering your SMSF and also impact the administration fees your SMSF will pay. 

Macquarie provides read-only access to Grow SMSF which includes the ability for Grow SMSF to download statements for the independent auditors of the SMSF as well as electronic data feeds of transactions into our specialist accounting software. Grow SMSF does not have any transactional authority on any client accounts.

Grow SMSF does not receive any commissions, financial or non-financial benefits from Macquarie. Your approval is integral for the establishment of the Macquarie CMA. Grow SMSF does not arrange this financial product on your behalf and only performs routine administrative functions to assist you to complete the online application forms and sending them electronically to Macquarie. You may view and download the relevant product information regarding the Macquarie CMA from the Macquarie website: https://www.macquarie.com.au/investing/cash-management-account.html

An SMSF may choose to open a trading account to enable the purchase of shares, stocks and ETFs. When submitting your SMSF setup order you may instruct Grow SMSF to refer you to Stake to enable a trading account to be set up. You acknowledge and accept that although you may be referred to Stake, Grow SMSF is not recommending you invest in any specific financial product or class of financial products available via the Stake platform.

It is not compulsory to set up and use Stake to use the services of Grow SMSF. You can use an alternative trading account for your SMSF however this may impact the quantum of work involved in administering your SMSF and also impact the fees your SMSF will pay. 

Grow SMSF does not receive any commissions, financial or non-financial benefits from Stake even when the ‘GROWSMSF’ referral code is used. This referral code is for tracking purposes only and you may choose to use any referral code or no referral code when setting up a trading account with Stake. You may become eligible for financial benefits or rewards from Stake however these are independent of Grow SMSF. 

Grow SMSF does not arrange or apply for the Stake account on your behalf and will only provide you with the information needed to open an account yourself. You can view information regarding Stake’s platform from their website: https://hellostake.com/au/legal 

An SMSF may choose to open an exchange account to enable the purchase of cryptocurrency and other digital assets.

GROW DOES NOT RECOMMEND ANY SPECIFIC CRYPTOCURRENCY EXCHANGE

Before you submit an SMSF order with Grow SMSF you acknowledge and accept all of the following Terms of Service:

1. You wish to establish a Self-Managed Super Fund (SMSF) via this ‘Execution only service’; and
2. You are instructing Grow SMSF to implement your instructions in regard to the establishment of an SMSF; and
3. You acknowledge that Grow SMSF and its employees/directors are not licensed to provide advice on the establishment of an SMSF; you have not sought personal financial advice on this matter from Grow SMSF or its employees/directors; and
4. You should consider taking advice from an AFS licensee before making a decision about a setting up an SMSF or any financial product; and
5. You acknowledge that when providing this ‘Execution only service’ Grow SMSF and its employees/directors are assisting you to obtain the documents and complete the registrations necessary to establish an SMSF on your behalf only; and
6. You confirm that Grow SMSF or its employees/directors have not influenced your decision to establish an SMSF; and
7. Any information provided by Grow SMSF through any method (including but not limited to website content, blog posts, social media posts, videos, seminars, phone or in-person conversations) prior to you completing this request is factual information only and does not constitute financial product advice; and
8. You acknowledge that establishing an SMSF via this form does not take into account your personal objectives, financial situation or needs; and you have independently determined that establishing an SMSF is appropriate for your particular circumstances; and
9. You agree to indemnify, defend and hold harmless Grow SMSF and its partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable solicitors/attorneys’ fees, made by any third party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference or your violation of any law or the rights of a third party; and
10. You confirm that Grow SMSF and our partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees will not be held liable for any losses suffered as a result of establishing an SMSF through this service; and
11. You acknowledge that prior to continuing this application form, you have visited the external resources below.

External resources: