You may also prefer to appoint someone else to manage your complaint on your behalf, for example, a friend or family member, a legal representative, or financial counsellor, who you can authorise to talk to us on your behalf.

Please let us know if you have any special needs or require additional support. Our complaints process and any support you might need to communicate with us or access our complaints process is provided free of charge.

Ideally, we will seek to acknowledge and resolve your issue, concern, or complaint as soon as possible and within 30 days (or less in hardship cases). Where we need to investigate and explore how best to resolve your concerns, we will work with you over this period and keep you updated on the progress of your complaint.

Where our investigation takes longer than 5 business days to resolve your complaint to your satisfaction, we will provide you a written outcome to your complaint, explaining our reasoning.

Where our complaint is complex, or circumstances arise outside of our control, we cannot provide you an outcome within 30 days. Instead, we will explain in writing our reasons within 30 days and outline a fair and reasonable expected date of when we can provide an outcome to your complaint.

If you are not satisfied with the response you receive or your complaint is not resolved within the 30 calendar days, you have the right to contact the Australian Financial Complaints Authority (AFCA).

AFCA is an ASIC-approved external dispute resolution body and provides fair and independent financial services complaint resolution free to consumers.