Earnd Pty Ltd, ACN 625 490 968, is committed to complying with its Design and Distribution Obligations (DDO) under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019 (Cth).
The aim of DDO is to assist customers obtain appropriate financial products by requiring issuers and distributors to have a consumer centric approach to the design and distribution of those financial products.
A Target Market Determination (TMD) is a document which outlines the nature of each of our products and who each product is appropriate for (the target market). It also describes the conditions placed on distributing our products to customers and the events or circumstances that require us to review the TMD.
Outlines the likely needs, financial situation and objectives of the customers that form the target market for each of our products.
Details the restrictions or conditions that make it likely that the customers who acquire the product are in the target market.
Events or circumstances that would require us to review the TMD.
Establishes the information that must be provided to us by our distributors on a required frequency, including complaints raised by customers.
Read our Target Market Determination for Access.
Please note a TMD is not intended to provide financial advice and should not be interpreted or relied upon as such. When making a decision about a product always make sure you refer to the terms and conditions and any supplementary document(s) or seek independent legal advice.