A guide to our relationship with you and the financial services we provide.
Version V001 · Effective 01 December 2025
📄 Download FSG (PDF)FN Insurance Advisory Pty Ltd
t/as FN Insurance Advisory
Corporate Authorised Representative No. 1318594
ABN: 38 677 910 477
ACN: 677 910 477
A: PO Box 3043, North Parramatta NSW 1750
T: 02 9256 3256
E: fariha@fninsurance.com.au
Community Broker Network Pty Ltd (the Licensee)
ABN: 60 096 916 184 · ACN: 096 916 184
AFSL: 233750
Level 3, 330 Collins Street, Melbourne VIC 3000
T: (08) 9480 8950
E: compliance@cbnet.com.au
Not independent: Community Broker Network Pty Ltd and its Authorised Representatives are not independent, impartial or unbiased pursuant to section 923A of the Corporations Act because we maintain associations and relationships with issuers of insurance and other financial products and may receive remuneration, commission or other benefits when we provide personal advice to you.
This Financial Services Guide (FSG) is designed to assist you in deciding whether to use our financial services. It contains important information about:
The financial services referred to in this guide are provided by your Authorised Broker, who is authorised under the Community Broker Network Pty Ltd's Australian Financial Services Licence to provide financial product advice and deal in general insurance products for wholesale and retail clients. We will do this on your behalf as your general insurance broker unless we tell you otherwise.
We may need information about your personal objectives, details of your current financial situation and any relevant information so that we can arrange insurance policies for you or give you advice about your insurance needs. We will ask you for the details that we need to know.
Where we provide you with advice about your insurance arrangements, that advice is current at the time that we give it. At renewal we may review your insurance to ensure you continue to be covered.
Payment for the services we provide is payable directly to Community Broker Network Pty Ltd. For each insurance product, the insurer will charge a premium that includes any relevant taxes, charges and levies. Community Broker Network Pty Ltd will receive a commission based on a percentage of this premium (excluding relevant taxes, charges and levies). We may also charge you a broker fee shown on your invoice.
The commission the Insurer pays to Community Broker Network Pty Ltd is calculated based on the formula: P × Y% = X, where P is the amount you pay, Y% is the percentage commission paid by the insurer (0–30%), and X is the resulting commission. Community Broker Network Pty Ltd deducts a management fee of between 0% and 22.5% and pays the remainder to us.
We welcome your feedback. If you have a complaint about the service provided, please contact us first at fariha@fninsurance.com.au or 02 9256 3256. We will acknowledge your complaint within 1 business day and aim to resolve it within 5 working days.
If your complaint is not resolved within 5 working days, please contact the Community Broker Network Complaints Officer:
| Contact | Details |
|---|---|
| Phone | (08) 9480 8950 |
| compliance@cbnet.com.au | |
| Post | PO Box 1183, West Perth WA 6872 (mark "Notice of Complaint") |
Community Broker Network Pty Ltd is a member of the Australian Financial Complaints Authority (AFCA). If your complaint cannot be resolved to your satisfaction, you have the right to refer the matter to AFCA at www.afca.org.au or 1800 931 468 (free call).
Community Broker Network Pty Ltd have a Professional Indemnity policy in place. The PI policy covers Community Broker Network Pty Ltd employees, its contractors and its Authorised Brokers for claims made against them by clients as a result of their conduct in the provision of financial services.
Community Broker Network Pty Ltd maintains records of your personal profile including details of insurance policies that we arrange for you. We are committed to implementing and promoting a privacy policy in accordance with the Australian Privacy Principles. For more information, see our Privacy Policy or visit www.cbnet.com.au.
This FSG applies from 01 December 2025 and remains valid unless a further FSG is issued to replace it. Community Broker Network Pty Ltd is a wholly owned subsidiary of Steadfast Group Limited, ABN 98 073 659 677.