IDEALX Financial service providers, remuneration and complaints information. The terms below apply to the service you select and the account details supplied with it.
Definitions and interpretation #
| Term | Meaning |
|---|---|
| Platform | Idealx Platform Pty Ltd, ACN 694 912 126, ABN 83 694 912 126. “Idealx”, “we” and “us” refer to Platform for its services unless this document expressly identifies a different provider. |
| Client | the individual or legal entity identified as the account holder in the accepted application, including each trustee in its recorded capacity. “You” and “your” refer to that Client, except where this document expressly addresses an individual Console user or Firm. |
| AFSL | an Australian financial services licence. A corporate authorised representative (CAR) acts only within its actual appointment and the relevant licensee’s permissions; the licence number and representative number are distinct. |
| FSG | a Financial Services Guide. The applicable guide and its supplied Financial Services Disclosure Record explain the provider, services, remuneration, compensation arrangements and complaints. |
| Financial Services Disclosure Record | the service-specific disclosure issued with the FSG, identifying the effective provider and representative details, required remuneration and compensation information and issue particulars. |
| Service Particulars | the account-specific details, provider disclosures and confirmations supplied for the selected service and linked to the accepted terms. A required detail must be supplied before the relevant service begins. |
| Securities | Idealx Securities Limited, ACN 647 627 889, AFSL 531729, when used as the name of a provider. A lower-case reference to securities describes investment instruments. |
| Digital Assets | Idealx Digital Assets Pty Ltd, ACN 667 364 276, when used as the name of a provider. Digital assets or crypto otherwise means the supported digital instruments identified for the service. |
| Client-approved Strategy | a non-discretionary strategy service requiring the Client’s initial investment instruction and approval of later proposed investment changes. It is different from an MDA. |
| MDA | a managed discretionary account service under an accepted Investment Program, allowing its properly appointed manager to make investment decisions within that program without approval of each trade. |
| AFCA | the Australian Financial Complaints Authority. Access depends on the responsible provider, its membership and AFCA’s applicable rules and jurisdiction. |
| IDPS | an investor directed portfolio service. Describing a licence product class does not mean Idealx operates an IDPS. |
A specific meaning or rule in the relevant service clause prevails over a general definition. References to an accepted schedule or record mean the version supplied for that service, not an undisclosed internal policy. Mandatory legal rights and obligations are not displaced by these definitions.
1 Purpose and providers #
This guide describes the financial services offered through Idealx Platform Pty Ltd as corporate authorised representative identified in the Service Particulars of Idealx Securities Limited, AFSL 531729, and the licensee services identified in your service record. It helps you understand who supplies those services, how they are paid and how to complain. It does not replace a product disclosure statement or personal advice document where required.
Idealx Platform Pty Ltd: ACN 694 912 126; ABN 83 694 912 126; Suite 109, Level 1, 40 Burgundy Street, Heidelberg VIC 3084, Australia. Idealx Securities Limited: ACN 647 627 889; ABN 41 647 627 889; 29 Wandypark Road, Wandandian NSW 2540, Australia. Contact support@idealx.com for service enquiries, notices@idealx.com for notices and complains@idealx.com for complaints.
This guide is read with your Financial Services Disclosure Record, supplied with it before the relevant financial service. That record identifies the effective issue date, Platform’s representative appointment, the authorising licensee, the remuneration relevant to your service and the licensee’s compensation arrangements. Together they form your Financial Services Guide. The service is not available until the complete, licensee-authorised disclosure has been supplied.
2 Scope #
Within the actual licence and representative appointment, the identified services cover general financial product advice and dealing on behalf of retail and wholesale clients in basic and non-basic deposit products, government debentures, stocks or bonds, interests in managed investment schemes including investor directed portfolio services, and securities. Actual availability is narrower than the licence product list and is shown in your service record. Reference to a product class does not establish authority to operate an IDPS, provide custody, issue a fund, give personal advice or manage investments with discretion.
Platform supplies the digital interface and the identified representative services. Securities supplies the securities and other licensee services it has accepted. Execution, settlement and custody arrangements are identified separately before activation. Digital-asset services of Idealx Digital Assets and third-party payment services are not represented as covered by this AFSL merely because they appear in the same interface.
Where we provide general advice, it does not take account of your objectives, financial situation or needs. Consider whether it is appropriate for you and read the relevant product disclosure statement or other disclosure before deciding to acquire the product. The warning must accompany the actual advice where required; receiving this guide alone is not a substitute. Independent firms' services and disclosures are separate unless they actually act for the licensee.
MDA services have a separate provider relationship under the MDA Client Agreement. The current MDA provider’s FSG and investment disclosures are supplied before activation. AFSL 531729 and this securities-service description do not confer MDA authority.
3 Giving instructions #
Use the authenticated online service and its confirmation steps. The service record identifies supported instructions, account permissions and provider acceptance. Console firms act only under verified appointments. AI may prepare an instruction but requires the appropriate affirmative confirmation before submission. Strategy changes require the Client’s approval. Contact support if you cannot use the agreed channel.
4 Fees and benefits #
The Idealx Fee Schedule states the customer charges, recipients and collection rules. Ordinary accounts have no monthly or annual account-maintenance fee. Client-approved strategies cost 0.20% per annum on enrolled invested assets, excluding uninvested cash. Auto Pilot and discretionary Managed Strategies have separate accepted fee schedules. Independent adviser charges and investment product expenses are disclosed for the relevant service.
Platform receives the disclosed Idealx fees and may retain eligible cash earnings under the separately accepted Cash Placement and Earnings Agreement. Relevant provider, staff, associate and referrer benefits, including the amount or calculation where required, are disclosed in your Financial Services Disclosure Record or the transaction disclosure at the legally required time. Where the law permits a later amount disclosure, the record explains how you can obtain it. You may request further remuneration information through support@idealx.com. No undisclosed customer charge or prohibited remuneration is authorised by this guide.
5 Relationships and conflicts #
Idealx Holdings Pty Ltd, ACN 700 922 210, owns Platform and has the interests in Idealx Securities and Idealx Digital Assets identified in your Financial Services Disclosure Record. Related providers may benefit when their services are selected. Material ownership, product and remuneration relationships relevant to your service are disclosed there and managed under the responsible provider’s obligations. These relationships do not transfer ownership of your assets.
6 Privacy and complaints #
The Privacy Policy explains collection, use, disclosures, overseas handling, access and complaints. For a service complaint, contact complains@idealx.com. The Complaints Policy explains the process and ordinary 30-calendar-day financial-service response period, subject to applicable exceptions. Idealx Securities' AFCA membership is 91298. Eligible complaints may be taken to AFCA at www.afca.org.au, 1800 931 678 or info@afca.org.au, subject to its jurisdiction. Securities membership is not automatically Digital Assets membership.
7 Compensation arrangements #
The compensation statement in your Financial Services Disclosure Record explains the responsible licensee’s arrangements for compensating retail clients for relevant breaches, including the basis on which those arrangements meet applicable requirements and any relevant cover for former representatives. It forms part of this guide and is supplied before service. An insurance arrangement is not a guarantee of investment returns or automatic payment of every claim. You may request the applicable compensation information through the service contacts above.