Your funds are protected through several important safeguards:

1. Segregated Trust Accounts: All client funds are held in segregated trust accounts with top-tier Australian banks, completely separate from our company's operational funds. This means your money is never used for our business activities and remains protected even in the unlikely event of company insolvency.
2. Regular Reconciliations: We perform daily reconciliations of all client money accounts to ensure accuracy and proper fund segregation.
3. Negative Balance Protection: Our platform includes automatic negative balance protection, ensuring you cannot lose more than the funds in your account, even during extreme market conditions.
4. Strong Capital Position: We maintain capital levels well above the regulatory requirements, providing an additional buffer of financial security.
5. Regulatory Oversight: ASIC monitors our compliance with client money rules and can take action if any breaches occur.
6. Regular Audits: Independent auditors regularly review our client money handling procedures to verify compliance with regulatory requirements.

While trading itself carries inherent risks, these measures ensure that your deposited funds are handled with the highest standards of security and in full compliance with Australian regulatory requirements.

We take our Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) obligations extremely seriously. Our comprehensive approach includes:

• Robust AML/CTF Program: We maintain a comprehensive program that is regularly reviewed and updated to address emerging risks and regulatory changes. This program is overseen by our dedicated compliance team and receives board-level attention.
• Client Identification: We implement thorough Know Your Client (KYC) procedures to verify the identity of all clients before they can trade on our platform. This typically involves providing government-issued identification and proof of address, with enhanced due diligence for higher-risk clients.
• Ongoing Monitoring: We continuously monitor client transactions and account activity for unusual or suspicious patterns that could indicate money laundering or terrorism financing. Our sophisticated monitoring systems flag potentially suspicious activities for review by our compliance team.
• Staff Training: All staff members receive regular training on AML/CTF regulations, red flag indicators, and internal reporting procedures. Our client-facing teams receive specialized training to identify potential concerns during client interactions.
• Regulatory Reporting: We promptly report suspicious matters to AUSTRAC (Australian Transaction Reports and Analysis Centre) as required by Australian law. We also fulfill other regulatory reporting obligations, such as threshold transaction reports.
• Risk-Based Approach: We apply a risk-based approach to allocate our compliance resources most effectively, with enhanced measures for higher-risk clients, jurisdictions, or transaction types.

These measures not only ensure compliance with Australian regulations but also contribute to the global effort to combat financial crime and protect the integrity of the financial system.

If you have a concern or dispute with our services, we provide a clear, accessible complaint resolution process in accordance with ASIC requirements:

1. Internal Dispute Resolution (IDR):
   • You can submit a complaint through multiple channels: via our website, email, phone, or in writing to our compliance department.
   • We will acknowledge receipt of your complaint within 1 business day.
   • Our compliance team will investigate your concerns thoroughly and objectively.
   • We aim to resolve complaints promptly and will provide a comprehensive response within 30 calendar days (or 45 days for superannuation-related complaints).
   • Our response will address all aspects of your complaint and explain the reasoning behind our decision.
2. External Dispute Resolution (EDR):
   • If you're not satisfied with our IDR response, you have the right to escalate your complaint to the Australian Financial Complaints Authority (AFCA).
   • AFCA is an independent, government-approved dispute resolution service that is free for consumers.
   • AFCA will impartially review your case and has the authority to make decisions that are binding on us.
   • We will fully cooperate with AFCA's processes and provide all necessary information.

This two-tiered approach ensures you have access to fair, transparent dispute resolution procedures. All complaints are also logged and analyzed to identify any systemic issues that may require attention, helping us continuously improve our services.