Financial Services Guide

Version 3.0 · Last updated: 6 May 2026

This Financial Services Guide (FSG) is issued by The Rask Group Pty Ltd (ACN 622 810 995), Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd (ABN 32 681 073 478, AFSL 563 907). This FSG is authorised for distribution by Rask Licensing and applies to the general financial advice and dealing services The Rask Group provides under the Rask brand — including the Rask platform at app.rask.au, Rask Invest, Rask Media, Best ETFs, our education content and courses, Rask LIVE events, and our referral partnerships.

The Rask Group provides general financial advice only. We do not provide personal financial advice. Personal financial advice is provided separately by Rask Advice Pty Ltd (Corporate Authorised Representative No. 1313447) under the same AFSL — see the Advice FSG.

We receive payments from financial product providers (advertising, sponsorship, referral fees, and Rask Invest management fees). Our advice is therefore not independent, impartial or unbiased.

1. Purpose of this FSG

This guide is designed to help you decide whether to use the services we provide. It explains:

• Who we are and the financial services we are authorised to provide.
• The products and services we offer, and how each one works.
• How we and our staff are paid, and how we manage conflicts of interest.
• Our privacy and data-handling commitments.
• How to make a complaint and how disputes are resolved.

2. Who we are

• The Rask Group Pty Ltd — ACN 622 810 995; Corporate Authorised Representative No. 1280930.
• Authorising licensee: Rask Licensing Pty Ltd, ABN 32 681 073 478, Australian Financial Services Licence (AFSL) No. 563 907.
• Rask Advice Pty Ltd — ABN 68 683 296 291; Corporate Authorised Representative No. 1313447. Provides personal financial advice under its own FSG.
• InvestSMART Funds Management Ltd — Responsible Entity for Rask Invest, a wholly-owned subsidiary of InvestSMART Group Ltd (ASX:INV).

Ownership

The Rask Group is majority owned and controlled by the Raszkiewicz family, together with its Australian shareholders. We are not owned by a bank or product provider.

Rask Licensing is owned by the Raszkiewicz family, and therefore has a relationship to Rask Invest. Other than Rask Invest, Rask Licensing does not have a relationship with providers of products recommended by The Rask Group Pty Ltd that would impact the advice we provide.

The Rask Group Pty Ltd is a legally separate business from Rask Advice Pty Ltd, which has its own FSG, terms, conditions, fees, and service offering.

3. Our authorisations

Rask Licensing authorises The Rask Group, under AFSL 563 907, to provide general financial product advice and dealing services in relation to:

• Basic deposit products.
• Deposit products other than basic deposit products.
• Government-issued debentures, stocks, and bonds.
• Superannuation.
• Life products — both risk and investment.
• Shares and exchange-traded funds (ETFs).
• Managed investment schemes, including investor-directed portfolio services (IDPS).
• Retirement savings accounts.

We provide general advice only. We do not provide personal financial advice through The Rask Group Pty Ltd. We are not licensed to give credit advice (e.g. advice on mortgages or loans) in Australia. Neither The Rask Group Pty Ltd nor Rask Licensing are providing these services as your agent or broker.

4. Services we provide

4.1 The Rask platform and memberships

General financial information, education, tools, research, and member experiences are delivered through rask.au and app.rask.au.

• Free ($0) — access to community, core tools, selected courses, AI research, and portfolio features.
• Pro ($39.99 per month or $299 per year) — additional research, cash flow tools, ETF insights, AI tutoring, and document storage.
• Super ($199 per month or $1,499 per year) — higher AI limits and one catch-up per year, in addition to Pro features.
• Ultra ($999 per month or $5,000 per year) — higher-touch member research, group sessions, curated community experiences, and meetups, in addition to Super features.
• Secure account features include the document vault, messaging, onboarding forms, dashboards, calculators, watchlists, and notifications.
• Billing for new memberships is processed by Stripe. Card details are stored with Stripe; Rask does not store card numbers.
• A 7-day cooling-off / money-back guarantee applies to new subscription services from the time the subscription commences.
• None of these memberships include personal financial advice.

Legacy: Rask Core

Existing Rask Core members ($100 upfront and then $49 per month, plus the discontinued Lifetime Access tier for legacy members) continue under their existing terms during the transition to the new Rask memberships. Personas inside Rask Core member content are fictional case studies. They are not real people, nor should the case studies be considered as personalised financial advice for you, your needs, your goals, or your objectives.

4.2 Rask Invest

Rask Invest is a professionally managed account service. The Responsible Entity for Rask Invest is InvestSMART Funds Management Ltd, a wholly-owned subsidiary of InvestSMART Group Ltd (ASX:INV). All investments held inside Rask Invest are legally and beneficially owned by you, under your own Holder Identification Number (HIN).

Annual management fees are calculated daily and paid monthly in arrears. Underlying ETF fees are reflected in the share prices of those ETFs and are not collected by Rask or InvestSMART.

Before investing in Rask Invest, you should obtain and read the Product Disclosure Statement (PDS) and Target Market Determination (TMD), available on the Rask Invest website.

4.3 Publishing and education

• Rask Media (raskmedia.com.au) — stock commentary and financial news.
• Best ETFs (bestetfs.com.au) — ETF analysis and fund reviews.
• Free reports and newsletters — written, audio, and video reports, and our free finance newsletter.
• Education and courses — free and paid online courses, including joint-venture courses produced with industry partners. Existing courses on education.rask.com.au are transitioning to app.rask.au/learn as part of the platform migration.

Where Rask produces joint-venture educational content with third-party experts (including past collaborations with Selfwealth and the Australian Shareholders' Association), Rask owns, produces, edits, and approves the content. Rask is not responsible for the conduct of partners outside the scope of the joint-venture content itself.

Any analyst ratings or reviews on Best ETFs should not be considered as a forecast, guarantee of performance, or estimate of a fund or ETF's returns or risk.

4.4 Events and corporate programs

• Rask LIVE — paid live events and content distributed via YouTube, X (Twitter), Instagram, Facebook, LinkedIn, and Threads. Tickets to events are typically priced on a per-event basis (for example, single tickets often under $50).
• Corporate wellness programs — financial wellness workshops delivered for Employee Assistance Program (EAP) providers and corporate clients.
• Sponsorship. Sponsors may pay fixed fees, set in advance, in exchange for speaking slots, exhibitor booths, dedicated email exposure, or brand exposure. Sponsored content is clearly disclosed as a "sponsored post".

4.5 Referral partnerships

We can connect you with trusted third-party providers. Where we receive a fee for a referral, that fee is disclosed by us, by the partner, or by both. We do not provide credit advice; the relevant credit licensee provides any credit advice you receive.

• Mortgage broking — referrals to Alcove. Alcove discloses its referral fee to you. We are not always privileged to know the outcome of your finance application.
• Financial planning — referrals to selected third-party financial planners. The Rask Group cannot guarantee the performance of advice you receive from any financial planner, and therefore we cannot be held responsible for any advice you receive from a third-party planner.
• Accounting — referrals to specialist accounting partners.
• Money coaching — referrals to money coaches.
• Life insurance — referrals to insurance experts.
• Business coaching — via the Inflection.au partnership.

4.6 Personal financial advice (separate service)

We do not provide personal financial advice through The Rask Group Pty Ltd. Personal financial advice is provided by Rask Advice Pty Ltd (CAR No. 1313447) under AFSL 563 907, delivered through the /plan workspace inside app.rask.au. Before personal advice is provided, your adviser will deliver the Rask Advice FSG and confirm the agreed scope, fees, and advice documents.

5. General advice warning

If we answer your questions, it's vitally important that you understand we do not know your financial situation and we are not licensed to provide personalised responses, advice, or instructions.

6. Documents you may receive

• Financial Services Guide (FSG) — this document.
• Product Disclosure Statement (PDS) and Target Market Determination (TMD) — for Rask Invest and any other financial product offered or recommended.

Personal advice documents (Statement of Advice, Record of Advice, Ongoing Service Agreement, Fee Disclosure Statement) are issued separately by Rask Advice Pty Ltd and are described in the Advice FSG.

7. How we are paid

• Subscription and membership fees. Rask Core (legacy: $100 upfront and then $49 per month) and the new Rask memberships (Free $0; Pro $39.99/month or $299/year; Super $199/month or $1,499/year; Ultra $999/month or $5,000/year).
• Investment management fees. Rask Invest charges 0.32%–0.75% p.a. of funds under management, calculated daily and paid monthly in arrears.
• Advertising revenue on our websites, videos, and podcasts.
• Sponsored content. Sponsors pay fees that are clearly disclosed as a "sponsored post".
• Educational licensing fees from joint-venture course partners — fixed fees, set in advance.
• Referral fees from approved partners (Alcove for mortgage broking; financial-planning, accounting, money-coaching, and life-insurance referrals; Inflection.au for business coaching). Referral fees are disclosed by us, by the partner, or by both.
• Event and sponsorship fees for Rask LIVE events and corporate wellness programs.

Staff and director compensation

• Directors and staff are paid fixed salaries, with performance-based bonuses in some circumstances, and may receive shareholder dividends.
• The Rask Group Pty Ltd, its directors, and staff may deal in or have a financial interest in the securities and other financial products referred to in our publications.
• All employees must disclose their financial interest or position in any product mentioned as part of our services.

Licensee fee

The Rask Group Pty Ltd pays Rask Licensing Pty Ltd a fixed monthly licensing fee. Rask Licensing Pty Ltd does not receive commissions or other payments from third-party financial product providers.

8. Conflicts of interest

We are not independent. Because we receive payments from financial product providers (advertising, sponsorship, referral fees, and Rask Invest management fees), and as required by law, we do not claim to be independent, impartial, or unbiased.

• Ownership. The Rask Group is majority owned and controlled by the Raszkiewicz family, together with its Australian shareholders. We are not owned by a bank or product provider.
• Related-party arrangement with Rask Invest. Rask Licensing is owned by the Raszkiewicz family and therefore has a relationship to Rask Invest. Other than Rask Invest, Rask Licensing does not have a relationship with providers of products recommended by The Rask Group Pty Ltd that would impact the advice we provide.
• Personal trading. The Rask Group Pty Ltd, its directors, and staff may deal in or hold financial interests in the securities and other financial products referred to in our publications. Staff are required to disclose those interests.
• Sponsored content. Sponsored content is clearly disclosed on the page or in the publication.
• Referral fees. Where we refer you to a partner, we (or the partner, or both) disclose any referral fee paid.
• Group structure. The Rask Group Pty Ltd is a legally separate business from Rask Advice Pty Ltd, which has its own FSG, terms, conditions, fees, and service offering.

We manage these conflicts through our compliance framework, including governance, supervision, training, file reviews, and disclosure.

9. Privacy and data handling

To provide our services we collect personal information about you. We handle this information under the Australian Privacy Principles, our AFSL obligations, the Notifiable Data Breaches scheme, and — for cashflow / open-banking data — the Consumer Data Right Privacy Safeguards.

• We use selected service providers to operate the platform (cloud infrastructure on Google Cloud Platform in Australia, payments via Stripe, transactional email via SendGrid, AI providers under data-handling agreements). Their own privacy policies apply where relevant.
• We apply role-based access controls, audit logging, and security monitoring to help protect personal information.
• We will never disclose personally identifiable information to third parties without your express permission, and we will not sell or lend your personal information.

For full details, see our Privacy Policy and Data Use Policy.

10. Professional indemnity insurance

Rask Licensing Pty Ltd holds Professional Indemnity (PI) insurance that satisfies the requirements for compensation arrangements under section 912B of the Corporations Act 2001 (Cth). The PI cover applies to the conduct of The Rask Group Pty Ltd and our representatives while authorised by Rask Licensing, including for work done while authorised that may be the subject of a claim made after the authorisation has ended.

11. Compensation, if something goes wrong

If you are dissatisfied with the services you have received, please contact us first so we can try to resolve your concern quickly. You can also make a formal complaint at any time.

12. Complaints and dispute resolution

• Step 1 — Talk to us. Email [email protected]. We will acknowledge your complaint immediately and aim to resolve it as quickly as possible, and in any event within 45 days.
• Step 2 — AFCA. If your complaint cannot be resolved to your satisfaction within 45 days, you can refer the matter free of charge to the Australian Financial Complaints Authority (AFCA). Rask Licensing Pty Ltd is an AFCA member (member number 111423).
  • Online: www.afca.org.au
  • Email: [email protected]
  • Phone: 1300 780 808
  • Mail: GPO Box 3, Melbourne VIC 3001
• Privacy complaints. Privacy-specific complaints can also be referred to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.

13. Contact details

14. Other disclaimers

• Neither The Rask Group Pty Ltd nor Rask Licensing are providing these services as your agent or broker.
• We are not licensed to give credit advice (e.g. advice on mortgages or loans) in Australia. Where you are referred to a credit provider, the credit licensee provides any credit advice.
• For mortgage broking referrals, we are not always privileged to know the outcome of your finance application.
• The Rask Group cannot guarantee the performance of advice you receive from any financial planner we refer you to, and we cannot be held responsible for that advice.
• Personas inside Rask Core member content are fictional case studies. They are not real people, nor should the case studies be considered as personalised financial advice for you, your needs, your goals, or your objectives.
• Any analyst ratings or reviews on Best ETFs should not be considered as a forecast, guarantee of performance, or estimate of a fund or ETF's returns or risk.

This FSG is dated 6 May 2026 and remains current until updated. The most recent version is always available at rask.au/legal/fsg.