Governance & Compliance
Ethical Systems. Transparent Frameworks. National Alignment.
Australian Wealth Advisory (AWA) operates under a clear, documented governance model designed to safeguard participants, align with Australian law and policy, and maintain transparent, contract‑based pathways that are education‑led and not financial products or financial advice. [www5.austlii.edu.au], [www5.austlii.edu.au]
AWA does not provide financial, tax, superannuation or legal advice. Where personal or regulated advice is required, participants are referred to independent, licensed professionals. [asic.gov.au]
All AWA pathways are delivered through commercial contracts with plain‑English disclosures, designed to provide clarity and predictable process — without dealing in, arranging, or advising on financial products. [www5.austlii.edu.au]
1) Ethical AI & Responsible Innovation
We deploy technology only where it improves clarity, safety, access and auditability, and we commit to:
- Transparency & explainability of any automated support used.
- Human oversight for material decisions.
- Accessibility & fairness over automation convenience.
- No features that would convert our pathways into financial products under the Corporations Act (design intent). [www5.austlii.edu.au]
These principles align with the direction of Australian regulators on AI, consumer protection and disclosure in financial contexts. [asic.gov.au]
2) Consumer Safeguards & Transparency
We maintain a strict consumer‑first posture:
- No financial advice.
- No investment products.
- No lending or borrowing within AWA’s role.
- Clear, prominent disclosures and plain‑English summaries.
- Independent, licensed advice whenever an SMSF, tax, legal or financial product question arises. [asic.gov.au]
Our public communications and member materials are written to comply with misleading or deceptive conduct prohibitions under the ASIC Act s12DA and the ACL s18 — we focus on the overall impression and present benefits, risks and limitations with balanced prominence. [www5.austlii.edu.au], [australian...ctlaw.info]
3) Contract‑Based Participation (Designed to be Non‑Financial‑Product)
AWA’s frameworks are commercial, contract‑based education and participation systems. They are designed not to exhibit the features commonly associated with a financial product (e.g., facilities through which a person makes a financial investment, manages financial risk, or makes non‑cash payments) and not to exhibit characteristics of a managed investment scheme (e.g., pooling contributions in a common enterprise where participants lack day‑to‑day control and acquire “interests” in the scheme). [www5.austlii.edu.au], [asic.gov.au]
Design intent (key distinctions):
- No pooled investor contributions creating “interests” in a scheme.
- No responsible‑entity structure or MIS‑style operation.
- No dealing or arranging in financial products.
- Participation is by commercial contract, with service delivery and disclosures defined. [asic.gov.au], [asic.gov.au]
Important: Regulatory classification depends on substance over labels. Participants must seek independent legal and financial advice about their own circumstances. [asic.gov.au]
4) Partner Due‑Diligence Framework
We collaborate only with partners who meet Australian standards:
- Licensed financial, legal or SMSF professionals (when advice is needed).
- Accredited builders and installation partners.
- Vetted tenancy and property‑management operators.
Our due‑diligence includes licence checks, code‑of‑conduct alignment, privacy/data controls, and ongoing compliance reviews. [asic.gov.au], [oaic.gov.au]
5) Privacy, Data & Security (Australian Privacy Principles)
We implement practices aligned to the Australian Privacy Principles (APPs), including:
- APP 1 — open and transparent management of personal information (clear privacy policy, complaints handling).
- APP 5 — timely collection notices describing purposes.
- APP 6 — use/disclosure consistent with stated purposes.
- APP 11 — reasonable security safeguards for personal information at rest and in transit. [oaic.gov.au]
6) Complaints, Issues & Escalation
Step 1 — Contact AWA Support
Submit concerns via our Contact page or email. We aim to acknowledge within 1–2 business days.
Step 2 — Internal Compliance Review
Assessment by AWA’s Governance & Compliance function with findings documented.
Step 3 — Written Outcome
You receive a written response outlining findings, any corrective action, and expected timelines.
Step 4 — External Advice (Optional)
Where the issue touches regulated advice or legal rights, we encourage independent licensed advice (e.g., financial, SMSF, legal) and, where privacy is involved, you may also contact the OAIC. [oaic.gov.au]
How the IncomeBuilt Asset™ Framework Works
Three Pathways. One Structured System.
AWA provides three education‑led, contract‑based participation pathways intended for clarity, accessibility and long‑term stability — not financial products or advice. [www5.austlii.edu.au], [www5.austlii.edu.au]
1) SMSF Pathway
For participants with an existing SMSF seeking to explore how an IncomeBuilt Asset™ could operate within an education‑led, commercial framework.
- AWA does not provide SMSF or financial advice.
- Trustees must independently confirm compliance with the sole‑purpose test and maintain a written investment strategy tailored to members’ circumstances (age, risk, liquidity, insurance, diversification) and ensure arm’s‑length dealings at market value. [ato.gov.au], [ato.gov.au]
SMSF Best‑Practice (add this line on the product page):
Trustees must obtain independent SMSF, financial, tax and legal advice to confirm the IncomeBuilt Asset™ aligns with the fund’s trust deed, investment strategy, arm’s‑length rules and the sole‑purpose test. AWA provides general information only and does not provide SMSF or financial advice. [ato.gov.au], [ato.gov.au]
2) Equity Pathway
A low‑footprint, contract‑based option that allows participants to utilize existing home equity within a defined commercial arrangement — without AWA engaging in lending, borrowing or financial product activity. [www5.austlii.edu.au]
3) Zero‑Dollar Entry Pathway
An eligibility‑based pathway enabling participation without upfront capital, delivered via transparent contracts, clear obligations and education‑first onboarding — not pooled investments or interests in a scheme. [asic.gov.au]
Why AWA Works Differently (Regulatory‑Safe Framing)
The IncomeBuilt Asset™ is delivered as an education‑and‑participation system via commercial contracts. It is designed not to:
- create financial products as defined in s763A;
- constitute a managed investment scheme (no pooled “interests”; no responsible entity; no day‑to‑day control ceded to a scheme operator);
- involve AWA providing financial product advice, dealing, or arranging for acquisition of financial products. [www5.austlii.edu.au], [asic.gov.au], [asic.gov.au]
Important: Regulatory outcomes depend on the facts of each case and how a participant chooses to structure personal affairs. AWA’s materials are factual information about a commercial system and not personal or general financial advice. Participants must obtain independent licensed advice before taking action. [asic.gov.au], [www5.austlii.edu.au]
Advertising & Claims Hygiene (Site‑Wide)
- We follow ASIC guidance on advertising to avoid misleading or deceptive conduct, ensure balanced presentation of features/limitations, and avoid restricted terms or over‑statements. [asic.gov.au]
- All copy is reviewed for compliance with ASIC Act s12DA and ACL s18 (overall impression test).
AWA — Capability
Australian Wealth Advisory (AWA)
Ethical Systems. Transparent Pathways. National Alignment.
Contract‑based, education‑led participation frameworks — not financial advice and not financial products.
1) What AWA Is (at a glance)
- Contract‑based frameworks for structured participation
- Education‑led: clear, factual explanations; no sales pressure
- Non‑financial‑product by design; no advice
- Plain‑English disclosures and transparent terms
2) Flagship System — IncomeBuilt Asset™
- Rental‑ready, tenant‑managed micro‑housing asset
- Delivered via commercial contracts (no pooling)
- Designed not to create a financial product or MIS
- Built for predictable, long‑term rental use
3) Pathways (Three ways to participate)
- SMSF Pathway (education‑only)
Trustees must obtain independent licensed SMSF, financial, tax and legal advice to confirm sole‑purpose and investment‑strategy alignment. - Equity Pathway
Utilize existing home equity within a contract‑based system (no lending by AWA; no financial products). - Zero‑Dollar Entry Pathway
No upfront capital; eligibility‑based, transparent contracts, education‑first onboarding.
4) How the System Works (simple flow)
Idle Savings → Working Money → IncomeBuilt Asset™ → Contracted Rental Use
- No pooled interests
- No lending or borrowing by AWA
- No speculation
- Clear roles, clear terms
5) Governance & Compliance Anchors
- Ethical AI & human oversight
- Consumer safeguards & balanced disclosures
- Designed not to be a financial product; not a managed investment scheme (MIS)
- Privacy aligned to Australian Privacy Principles (APPs)
- Partner due‑diligence (licensing, conduct, safety)
- Advertising & Claims Hygiene (Site‑Wide)
6) Who We Support
- Everyday Australians seeking clarity and structure
- Government, councils and stakeholders focused on ethical housing outcomes
- Partners who share our values of transparency, dignity and national wellbeing
