Financial Services Guide

Cohabit Insurance Pty Limited (‘Cohabit”)

ABN: 77 694 152 308

Address: 32 York Street, Sydney, NSW 2000

Phone: +61 419330033

Email: thom@cohabit.com.au

As an Authorised Representative of :

Bellrock Advisory Pty Ltd (“Bellrock”)

ABN: 78 611 143 410

Address: Level 25, 171 Sussex Street, Sydney NSW 2000

Phone: +61 2 9188 2460

Email: contact@bellrockadvisory.com

Website: www.bellrockadvisory.com

Bellrock holds a current Australian Financial Services License no: 520 281 and is responsible for the financial services that Cohabit provides to you. Cohabit’s Authorised Representative No is 1319809. Bellrock is also responsible for the content and distribution of this FSG. The distribution of this FSG by Cohabit is authorised by Bellrock.

Why we are NOT Independent

We are not independent, impartial, or unbiased in relation to the provision of personal advice and the impact of this on you, pursuant to section 923A of the Corporations Act because:

• We may receive commission or other benefits when we provide personal advice to you in relation to insurance products; and/or
• We only consider insurance products from our preferred product providers.

Further information about these benefits and relationships is set out in this Financial Services Guide.

If you have any questions about this information, please ask us.

This FSG sets out the services that we can offer you.

It is designed to assist you in deciding whether to use any of those services and contains important information about:

• the services we offer you
• how we and others are paid
• any potential conflict of interest we may have
• our internal and external dispute resolution procedures and how you can access them
• arrangements that are in place to compensate clients for losses.

Further information when personal advice is given

We will provide you with further information whenever we provide you with advice which takes into account your objectives, financial situation and needs.

This information may include the advice that we have given you, the basis of the advice and other information on our remuneration and any relevant associations or interests. This information may be contained in a Statement of Advice (SOA).

When you ask us to recommend an insurance policy for you, we will usually only consider the policies offered by the insurers or insurance providers that we deal with regularly. In giving you advice about the costs and terms of recommended policies we have not compared those policies to other policies available, other than from those insurers we deal with regularly.

Product Disclosure Statement (PDS)

If we offer to arrange the issue of an insurance policy to you, we will also provide you with, or pass on to you, a PDS, unless you already have an up-to- date PDS. The PDS will contain information about the particular policy which will enable you to make an informed decision about purchasing that product.

Insurance Brokers Code of Practice

We are members of the National Insurance Brokers Association (NIBA) and are bound by their Code of Practice (the Code). https://www.niba.com.au/insurance-brokers-code-of-practice

The Insurance Brokers Code of Practice sets standards of good industry practice for insurance brokers. The Code is owned and published by NIBA and is available to download from their website. If you would like to view a copy, please click here1 or contact us for a copy.

From when does this FSG apply?

This FSG applies from 27 January 2026 and remains valid unless a further FSG is issued to replace it. We may give you a supplementary FSG. It will not replace this FSG but will cover services not covered by this FSG.

How can I instruct you?

You can contact us to give us instructions by post, phone or email on the contact number or details mentioned on page 1 of this FSG.

Who is responsible for the financial services provided?

Bellrock Advisory Pty Ltd (‘Bellrock’) is responsible for the financial services that will be provided to you, or through you to your family members, including the distribution of this FSG.

Bellrock holds a current Australian Financial Services Licensee no: 520 281. The contact details for Bellrock are on the front of this FSG.

What kinds of financial services are you authorised to provide to me and what kinds of financial product/s do those services relate to?

Cohabit is authorised to advise and deal in general insurance products to wholesale and retail clients and, to provide claims handling and settling services. We will do this for you as your advisor unless we tell you otherwise.

Will I receive tailored advice?

Maybe not in all cases. However, 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 to give you advice about your insurance needs. We will ask you for the details that we need to know.

In some cases we will not ask for any of this information. If we do not ask, or if you do not give us all of the information we ask for, any advice you receive may not be appropriate to your needs, objectives and financial situation.

You should read the warnings contained in any SOA, or any other warnings that we give you, carefully before making any decision about an insurance policy.

Where we provide you with advice about your insurance arrangements, that advice is current at the time that we give it. We will review your insurance arrangements when you inform us about changes in your circumstances.

Contractual Liability and your insurance cover

Many commercial or business contracts contain clauses dealing with your liability (including indemnities or hold harmless clauses). Such clauses may entitle your insurers to reduce cover, or in some cases, refuse to indemnify you at all. You should seek legal advice before signing and accepting contracts. You should inform us of any clauses of this nature before you enter into them.

What information do you maintain in my file and can I examine my file?

We maintain a record of your personal profile, including details of insurance policies that we arrange or issue for you. We may also maintain records of any recommendations or advice given to you. We will retain this FSG and any other FSG given to you as well as any SOA or PDS that we give or pass on to you for the period required by law.

We are committed to implementing and promoting a privacy policy, which will ensure the privacy and security of your personal information. A copy of our privacy policy is available on request or on our website, https://cohabit.com.au/

If you wish to look at your file, please ask us. We will make arrangements for you to do so.

How will I pay for the services provided?

For each insurance product the insurer will charge a premium that includes any relevant taxes, charges and levies. We often receive a payment based on a percentage of this premium (excluding relevant taxes, charges and levies) called commission, which is paid to us by the insurers. However, in some cases we will also charge you a fee. These will all be shown on the invoice that we send you. You can choose to pay by any of the payment methods set out in the invoice. You are required to pay us within the time set out on the invoice.

If there is a refund or reduction of your premium as a result of a cancellation or alteration to a policy, or based on a term of your policy (such as a premium adjustment provision), we will retain any fee we have charged you. We may also retain commission depending on our arrangements with the insurer, or charge you a cancellation fee equal to the reduction in our commission.

When you pay us your premium it will be banked into our trust account. We retain the commission PAGE 3 from the premium you pay us and remit the balance to the insurer in accordance with our arrangements with the insurer. We may earn interest on the premium while it is in our trust account, or we may invest the premium and earn a return. We will retain any interest or return on investment earned on the premium.

If we provide you with claims handling and settling services, we will inform you of any fees, commission or other payments that we, or our associates will receive in relation to the claims and settling services that are provided.

How are any commissions, fees or other benefits calculated for providing the financial services?

Our commission will be calculated based on the following formula:

X = Y% x P

In this formula:

• X = our commission.
• Y% = the percentage commission paid to us by the insurer. Our commission varies between 0 and 20%.
• P = the amount you pay for any insurance policy (less any government fees or charges included in that amount).

Any fees that we charge you will be:

• An administration fee in addition to commission when you enter into an insurance policy.
• A flat fee for arranging an insurance policy or a fee based upon the time we spend advising you.
• An annual management fee.

We may pay commissions, fees or benefits to others who refer you to us. If we do, we will pay commissions to those people out of our commission or fees we receive (not in addition to those amounts),up to 15% of the insurer’s basic premium. We will confirm the dollar figure to you before we arrange and place cover on your behalf.

Our employees that will assist you with your insurance needs will be paid a market salary that may include bonuses based on performance criteria.

If we give you personal advice, we will inform you of any fees, commission or other payments we, our associates or anyone referring you to us (or us to any insurer) will receive in relation to the policies that are the subject of the advice.

Do you have any relationships or associations with the insurers who issue the insurance policies or any other material relationships?

Bellrock is a Steadfast Group Limited (Steadfast) Network Broker. As a Steadfast Network Broker we have access to their services including model operating and compliance tools, procedures, manuals and training, legal, technical, HR, contractual liability advice and assistance, group insurance arrangements, product comparison and placement support, claims support, group purchasing arrangements and broker support services. These services are either funded by Steadfast, subsidised by Steadfast or available exclusively to Steadfast Network Brokers for a fee.

Steadfast has arrangements with some insurers and premium funders (Partners) under which the Partners may pay Steadfast a fee to access strategic and technological support and the Steadfast Broker Network. Steadfast is also a shareholder of some Partners.

You can obtain a copy of Steadfast’s FSG at www.steadfast.com.au.

Premium funders

If we arrange premium funding for you, we may be paid a commission by the premium funder. We may also charge you a fee (or both). The commission that we are paid by the premium funder is usually calculated as a percentage of your insurance premium (including government fees or charges). If you instruct us to arrange or issue a product, this is when we become entitled to the commission.

Our commission rates for premium funding are in the range of 0 to 3% of funded premium. When we arrange premium funding for you, you can ask us what commission rates we are paid for that funding arrangement compared to the other arrangements that were available to you.

What should I do if I have a complaint?

Contact us and tell us about your complaint. We will do our best to resolve it quickly.

If your complaint is not satisfactorily resolved within 14 days, please contact the Complaints Officer on eleni@cohabit.com.au or the address noted at the beginning of this FSG. We will try and resolve your complaint quickly and fairly.

We are a member of the Australian Financial Complaints Authority (AFCA). If your complaint cannot be resolved to your satisfaction by us, you have the right to refer the matter to the AFCA. AFCA provides fair and independent financial services complaint resolution that is free to customers.

AFCA can be contacted at:

Mailing address:

Australian Financial Complaints Authority GPO Box 3, Melbourne, VIC 3001

Phone: 1800 931 678

Email: info@afca.org.au

Website: www.afca.org.au

What arrangements do you have in place to compensate clients for losses?

Bellrock has a professional indemnity insurance policy (PI policy) in place.

The PI policy covers Cohabit for claims made against us by clients as a result of the conduct of us, our employees or representatives in the provision of financial services.

Our PI policy covers us for claims relating to the conduct of former representatives who no longer work for us. This policy satisfies the requirements for compensation arrangements under section 912B of the Corporations Act.

Any questions?

If you have any further questions about the financial services Cohabit provides, please contact us.

Please retain this document for your reference and any future dealings with Cohabit.