Terms of Engagement and Specialist Referral Fee

Thank you for taking the time to discuss your circumstances with us and we welcome the opportunity to help you achieve your goals.

This form outlines the terms of engaging in services with the Finwell Group of companies.

A specialist referral fee of $495 is charged by Finwell Property which covers the costs of an in-depth review of your circumstances with a trained consultant, as well as any formal research required into specific insurance, superannuation, or other financial products you currently hold. Where required, you will be provided with an Information Release Form that when signed, authorises us to gather the data from your providers on your behalf to assist with the research process. Depending on the requirements of your provider(s), you may also be required to provide us with a copy of certified ID to satisfy their authorisation process. This specialist referral fee is non-refundable and must be paid before any research or other planning services can be begun. It does not constitute an agreement to proceed with any specific services with Finwell Advice or other companies in the Finwell Group, nor is it to be considered a fee for formal financial advice. After initial research and consultancy is complete, you will be provided with a specific cost and scope of advice, in the form of a Declaration to Proceed document, which you can discuss with your assigned Financial Planner to ensure it is right for you before proceeding.

Including GST
Inc. GST

Consultancy fee is $495 Including GST

By filling out your details above, you are agreeing/requesting Finwell Property to charge your credit card/banking institution for the amount nominated above. This charge is once off and in alignment with the terms and conditions provided to you in the Once Off Customer Direct Debit Request (DDR) Service agreement, below.

Our privacy policy can be viewed here

Once Off Customer Direct Debit Request (DDR)

This is your Direct Debit Service Agreement with IDPA PTY LTD (314 011) 83 623 098 751 (the Debit User). It explains what your obligations are when undertaking a Direct Debit arrangement with us. It also details what our obligations are to you as your Direct Debit provider.

Please keep this agreement for future reference. It forms part of the terms and conditions of your Direct Debit Request (DDR) and should be read in conjunction with your DDR authorisation.


  • account: means the account held at your financial institution from which we are authorised to arrange for funds to be debited.
  • agreement: means this Direct Debit Request Service Agreement between you and us.
  • banking day: means a day other than a Saturday or a Sunday or a public holiday listed throughout Australia.
  • debit day: means the day that payment by you to us is due.
  • debit payment: means a particular transaction where a debit is made.
  • Direct Debit Request: means the written, verbal or online request between us and you to debit funds from your account.
    us or we means IDPA PTY LTD (314 011), (the Debit User) you have authorised by requesting a Direct Debit Request.
  • you: means the customer who has authorised the Direct Debit Request.
  • your financial institution: means the financial institution at which you hold the account you have authorised us to debit.

Debiting your account:

By submitting a Direct Debit Request, you have authorised us to arrange for funds to be debited from your account. The Direct Debit Request and this agreement set out the terms of the arrangement between us and you.

We will only arrange for funds to be debited from your account as authorised in the Direct Debit Request.


We will only arrange for funds to be debited from your account if we have sent to the email / address nominated by you in the Direct Debit Request, a billing advice which specifies the amount payable by you to us and when it is due.

If the debit day falls on a day that is not a banking day, we may direct your financial institution to debit your account on the following banking day. If you are unsure about which day your account has or will be debited you should ask your financial institution.

Your obligations:

It is your responsibility to ensure that there are sufficient clear funds available in your account to allow a debit payment to be made in accordance with the Direct Debit Request. If there are insufficient clear funds in your account to meet a debit payment:

  • (a) you may be charged a fee and/or interest by your financial institution;
  • (b) we may charge you reasonable costs incurred by us on account of there being insufficient funds; and
  • (c) you must arrange for the debit payment to be made by another method or arrange for sufficient clear funds to be in your account by an agreed time so that we can process the debit payment.

You should check your account statement to verify that the amounts debited from your account are correct.


If you believe that there has been an error in debiting your account, you should notify us directly on 0405 166 436 and confirm that notice in writing with us as soon as possible so that we can resolve your query more quickly. Alternatively you can contact your financial institution for assistance.

If we conclude as a result of our investigations that your account has been incorrectly debited we will respond to your query by arranging for your financial institution to adjust your account (including interest and charges) accordingly. We will also notify you in writing of the amount by which your account has been adjusted.

If we conclude as a result of our investigations that your account has not been incorrectly debited we will respond to your query by providing you with reasons and any evidence for this finding in writing.


You should check:

  • (a) with your financial institution whether direct debiting is available from your account as direct debiting is not available on all accounts offered by financial institutions.
  • (b) your account details which you have provided to us are correct by checking them against a recent account statement; and
  • (c) with your financial institution before completing the Direct Debit Request if you have any queries about how to complete the Direct Debit Request.


We will keep any information (including your account details) in your Direct Debit Request confidential. We will make reasonable efforts to keep any such information that we have about you secure and to ensure that any of our employees or agents who have access to information about you do not make any unauthorised use, modification, reproduction or disclosure of that information.

We will only disclose information that we have about you:

  • – to the extent specifically required by law; or
  • – for the purposes of this agreement (including disclosing information in connection with any query or claim).

Contacting each other:

You may contact us as follows:

Phone: 0405166436

Email: accounts@finwellgroup.com.au

Mail: Level 1, 39 Hall Street
Moonee Ponds, VIC 3039, Australia

If you wish to notify us in writing about anything relating to this agreement, you should write to the email or mailing address above. You may telephone us on the above number during business hours.

We will notify you by sending a notice to the preferred address or email you have given us in the Direct Debit Request. Any notice will be deemed to have been received on the second banking day after sending.