Broker Code of Conduct

1. I will act in a professional, honest, and fair manner, considering community expectations.

2. I will comply with all applicable laws, regulations, regulatory guidelines, and industry codes of practice, and will not act in a misleading, deceptive, or unconscionable manner.

3. I acknowledge the importance of ongoing education and I will ensure that I meet the relevant training and education requirements of the law, any aggregation group I am accredited with, any industry association I am part of, and Macquarie.

4. I will ensure my personal and commercial interests, and any benefits I may receive, will not influence, or prejudice my recommendations or obligations to the customer.

5. I will verify the identity of every customer in accordance with Macquarie’s guidelines and relevant customer identification laws and regulations.

6. I will engage with customers directly, even where the customer has been referred to me by a third party.

7. I will protect the privacy of all customer information.

8. I will ensure that any product I recommend is appropriate in terms of size and structure, is affordable, and meets the customer’s requirements and objectives.   

9. I will provide the customer with whatever information they need to understand the products that are available and provide full details of any product I recommend, including interest rates and fees. 

10. I will not encourage a customer to borrow more than is needed to meet their requirements and objectives.

11. I will attend to any reasonable enquiries from a customer or Macquarie in a timely manner.

12. I will deal with all customer complaints in a timely manner and notify Macquarie when the matter relates to and/or impacts Macquarie.

13. I will follow all procedures, policies and guidelines provided by Macquarie and will not claim to have an authority which I do not have.

14. I will submit applications truthfully, accurately and in accordance with Macquarie’s processes and requirements.

15. I will not submit applications on behalf of others who do not hold a Macquarie accreditation.

16. I will treat Macquarie's staff with courtesy and respect.

17. I will not submit any information that I know or suspect to be incomplete, false, or misleading to Macquarie.

18. I will keep proper records of my processes and practices in accordance with the law and will provide my customer files, information, and data to Macquarie if requested.

19. I will immediately tell Macquarie if I discover any information which would adversely impact Macquarie’s decision to lend to one of my customers.

20. I will immediately tell Macquarie if I discover any fraud, error or breach of law or become aware of a regulatory investigation, litigation or anything which may negatively impact Macquarie, including any change in customer circumstances or any customer complaint about me or Macquarie. I will co-operate with Macquarie in relation to its investigation of any such matter.

21. I will not use Macquarie’s name or logo unless I have consent in writing from Macquarie.

22. I will stop submitting applications to Macquarie if my accreditation is terminated.