Info sheets are quick guides to common issues. Consumer tips and case examples are included.
The IFSO Scheme brochure explains how to contact us and make a complaint.
Please view and download a copy of the IFSO Scheme Annual Reports and Financial Statements.
We encourage you to use our online complaint form. If you would prefer to make a complaint in writing, you are welcome to print and complete the following written forms. Please contact us any time if you would like assistance.
The IFSO Scheme’s Service Charter sets out what you can expect of our free service as a customer of an IFSO Scheme financial service provider, and our expectations about how you will engage with us during our complaint resolution process.
The IFSO Scheme's Constitution requires an independent review of the IFSO Scheme at five yearly intervals. The independent reviews help the IFSO Scheme to continue to deliver a high standard of service to consumers and the financial services industry.
The IFSO Scheme Constitution sets out the governance structure of the IFSO Scheme, and the obligations of IFSO Scheme Participants.
The Terms of Reference (TOR) sets out the IFSO Scheme jurisdiction, including the types of complaints that can be investigated, monetary limits, resolution methods, and decision-making criteria.
The IFSO Scheme’s Terms of Reference and Constitution have changed, effective from 1 September 2023.
The main change is that the IFSO Scheme can now investigate complaints about insurance claims, credit and other financial services/ products up to $350,000+GST, or $2,625+GST per week for regular payments. These limits were previously $200,000+GST and $1,500+GST.
New Terms of Reference and Constitution
Effective from 1 September 2023
Old Terms of Reference and Constitution
Effective until 30 August 2023
The Terms of Reference set out the criteria we must use if we make a decision about a complaint. Read our Fair and Reasonable Conduct webpage to give you and your financial service provider a better understanding of how the IFSO Scheme applies our fair and reasonable jurisdiction.