About this Guide 

It is important that you read this Financial Services Guide (FSG). It contains information designed to help you in decide whether to use any of the services offered by Verve Superannuation Pty Ltd as described in this guide, including who we are, the services and products we provide, how we’re paid, how we manage your personal information, and how you can complaint about a matter relating to us. 

If you need more information, please contact us by phoning 1300 799 482 or emailing hello@verve-money.vervesuper.com.au.

Who We Are

Verve Superannuation Pty Ltd is part of the Verve Group, which comprises Verve Superannuation Holdings Pty Ltd (ABN 53 628 673 058), and its two wholly owned subsidiaries, Verve Money Pty Ltd (ABN 71 653 669 366, AFS Representative No. 001294184) and Verve Superannuation Pty Ltd (ABN 65 628 675 169; AFS CAR No. 001268903). 

Verve Superannuation Pty Ltd operates as Corporate Authorised Representatives under the AFS Licence held by True Oak Investments Ltd (ABN 81 002 558 956; AFSL 238184). 

Verve Money Pty Ltd operates under a separate CAR Agreement with True Oak Investments Ltd and produces its own FSG.

Our Services 

Verve Superannuation Pty Ltd is the Founder and Sub-Promoter of Verve Super, a sub-plan of the Future Superannuation Fund (ABN 45 960 194 277; RSE Registration No R1072914). 

Our role is to promote Verve Super, assist in providing services to Verve Super members, and assist the Trustee of Verve Super in ensuring that Verve Super remains true to label. 

Verve Superannuation Pty Ltd is authorised by True Oak Investments Ltd to provide the following financial services to retail and wholesale clients: 

  • Provide general financial product advice in relation to superannuation and life insurance products; and 
  • Deal in a financial product, by applying for, acquiring, varying or disposing of a financial product on behalf of another person, in relation to superannuation and life insurance products. 

Generally, when we provide financial services, we act on our own behalf. However, we may act on behalf of others when we deal in a financial product (for example, we may act on behalf of the Issuer of Verve Super (the Trustee) when arranging for a client to acquire an interest in Verve Super). 

General Product Advice Only 

Any advice we provide to retail clients is general product advice only. This means that we do not take into account your personal financial objectives, situation or needs in relation to any advice that we provide over the phone, by email, by letter, in person at events, in newsletters or marketing material, on our website, or via our social media platform. 

Consider getting in touch with a professional adviser if you’d like advice tailored to your own personal objectives, situation or needs. 

Disclosure Documentation

Before you make a decision about Verve Super, we will make the Product Disclosure Statement (PDS), Additional Information Booklet, Insurance Guide and Target Market Determination available to you.

These documents contain important information about Verve Super, including its key features, fees, benefits and risks. They will help you make an informed decision about Verve Super, so read the PDS and other disclosure documents carefully.

You can view and download a copy of each of the disclosure documents for Verve Super from www.verve-money.vervesuper.com.au. You can also ask us to email you a PDF copy of these documents, which we’ll do free of charge – just email us at hello@verve-money.vervesuper.com.au

Instructing Us 

You can contact us directly with any instructions relating to the financial products we promote. This includes giving us instructions electronically (including via your Verve Super account) or by phone or in writing. We will need to be satisfied that we have verified your identity before proceeding. 

We will ask you to confirm your instructions via recorded phone call, online or in writing. You can ask us for a copy of this instruction at any time. 

The Product Issuer 

Verve Super is a sub-plan of the Future Superannuation Fund. The Future Superannuation Fund is issued by an independent trustee called Diversa Trustees Limited (ABN 49 006 421 638, AFSL 235153, RSE Licence L0000635). The Trustee ensures that the Verve Super is managed in a compliant way and in the best interests of members. The Trustee holds appropriate trustee liability insurance. 

Related Parties and Service Providers 

Service Providers

The Promoter of the Future Superannuation Fund is Future Super Investment Services Pty Ltd (ABN 55 621 040 702, AFS CAR No. 001271441), a Corporate Authorised Representative of Future Superannuation Holdings Pty Ltd (ABN 90 167 800 580; AFSL 482684). There is a Sub-Promoter Agreement in place between Future Super Investment Services Pty Ltd and Verve Superannuation Pty Ltd, in respect of the promotion of Verve Super. 

The Investment Management of the Future Superannuation Fund, including Verve Super as a sub-plan, is also provided by Future Super Investment Services Pty Ltd. 

The Administration of Verve Super is provided by OneVue Super Services Pty Limited (ABN 74 006 877 872; AFSL 246883). Insurance cover is offered to eligible members by AIA Australia Limited (ABN 79 004 837 861; AFSL 230043). 

The contracts for Administration, Investment Management and Group Life Insurance are held between the Trustee and the relevant provider.


If you have been referred to us by another person or entity (Referrer), we may pay the Referrer a referral fee (this may happen when we enter into a marketing relationship with a third party in respect of Verve Super). The referral fee is typically a fixed fee. You’ll be told about the relationship[ and details about the remuneration that the Referrer will receive at the time of the referral. Referral fees are not additional fees paid by you. 

How We’re Paid 

Sub-Promoter Fee 

As the Sub-Promoter of Verve Super, we receive all of the flat dollar administration fee, and a portion of the percentage-based administration fee as set out in section 6 of the Verve Super PDS. 

Staff Remuneration

Our staff receive a salary plus superannuation and may receive bonuses or other benefits from time to time. Staff do not receive a commission or bonus if you choose to make an investment with Verve Super. 

Professional Indemnity Insurance 

We have professional indemnity insurance, which provides cover for claims by retail clients that relate to the financial services that we promote and provide. This satisfies the compensation arrangements required under section 912B of the Corporations Act 2001 (Cth). We are also covered for claims against former representatives while they acted on our behalf. You do not have a direct right to claim under this insurance. 

Your Privacy 

We respect your privacy and have developed a Privacy Policy which embodies our legal obligations in respect of collecting, using, storing, disclosing and maintaining your personal information. You can view and download a copy of this Policy from www.verve-money.vervesuper.com.au

Complaints Handling

If you are dissatisfied or have a complaint about the services we’ve provided to you, we encourage you to contact us to tell us about your complaint:

The Complaints Officer

Verve Super

PO Box 909, Byron Bay NSW 2001

Phone: 1300 799 482

Email: hello@verve-money.vervesuper.com.au

We’ll acknowledge your complaint within one business day of its receipt. 

Your complaint will be investigated, and action will be initiated to address the matter. The Complaints Officer will write to inform your of the results of the investigation and the proposed resolution, no later than 45 calendar days after receiving your complaint (unless the complaint relates to a death benefit distribution, in which case the Complaints Officer will respond no later than 90 calendar days after the expiry of the 28 calendar day period for objecting to a proposed death benefit distribution). 

If you’re not satisfied with our response or you have not received a response within the required timeframe, you may be able to refer your complaint to the Australian Financial Complaints Authority (AFCA), an independent dispute resolution service established by the Government.

Australian Financial Complaints Authority 


Phone: 1800 931 678 

Email: info@afca.org.au 

Website: www.afca.org.au 

Complaints may be submitted by both current and former members of Verve Super, or their beneficiaries, and will largely be dealt with by correspondence. AFCA can deal with complaints that relate to a decision or a failure to make a decision by a trustee or a person acting for a trustee, in relation to a particular individual. AFCA cannot deal with certain complaints, for example, complaints about the management of a superannuation fund as a whole. Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires. Complainants are encouraged to pursue internal dispute resolution before making a complaint to AFCA.

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