合规文件库Compliance document library
一个类似 Sharesies 的投资平台需要向客户公开哪些文件？按司法管辖区列出，并附官方依据和可修改模板。
Which documents must a Sharesies-style platform publish to clients? Listed by jurisdiction, with the legal basis and editable templates.
| 文件 | 何时需要 | 要点 | 官方依据 |
|---|---|---|---|
| 产品披露声明 (PDS) | 平台自己发行基金（如 Sharesies Funds） | 固定格式的 Key Information Summary、费用、风险指标；在 Disclose Register 登记 | FMC Act |
| 季度 Fund updates | 发行基金 | 实际回报、实际费用、持仓 | Disclose Register |
| SIPO / 其他重要信息 | 发行基金 | 投资政策与目标、其他重要信息 | Disclose Register |
| DIMS 服务披露与客户协议 | 提供全权委托投资服务 | 服务描述、授权范围、费用、独立托管安排 | FMA DIMS |
| 财务建议披露 | 提供受监管的财务建议 | FAP 牌照信息、服务性质与范围、费用与利益冲突、投诉方式 | FMA FAP |
| 服务条款 / 客户协议 | 所有平台 | 托管与名义持有安排、交易执行、费用、终止 | 合同法；FMC Act 公平交易条款 |
| 费用表 | 所有平台 | 交易费、换汇费、订阅/账户费，清晰且不误导 | FMC Act Part 2（公平交易） |
| 托管 / 客户资金披露 | 托管客户资金或资产 | 托管人是谁、资产如何隔离、定期客户报告、审计鉴证 | FMA 托管人说明 |
| 隐私声明 | 所有平台 | 收集哪些个人信息、用途、海外传输、访问和更正权利 | Privacy Act 2020 |
| 投诉流程与纠纷解决机制 | 所有 FSP | 内部投诉流程 + 外部纠纷解决机制的名称和联系方式 | FSCL 等 |
| AML/CFT 客户尽职调查说明 | 报告实体 | 为何需要身份证明、地址证明、资金来源 | DIA AML/CFT |
| 税务信息（PIR、W-8BEN、FIF） | 提供 PIE 或海外股票 | PIR 选择、海外股息预扣、FIF 提示 | IRD IR461 |
| Document | When needed | Key content | Basis |
|---|---|---|---|
| Product Disclosure Statement (PDS) | You issue your own funds (e.g. Sharesies Funds) | Fixed-format Key Information Summary, fees, risk indicator; lodged on the Disclose Register | FMC Act |
| Quarterly fund updates | You issue funds | Actual returns, actual fees, holdings | Disclose Register |
| SIPO / other material information | You issue funds | Investment policy and objectives, other material information | Disclose Register |
| DIMS disclosure and client agreement | You offer discretionary investment management | Service description, scope of authority, fees, independent custody | FMA DIMS |
| Financial advice disclosure | You give regulated financial advice | FAP licence details, nature and scope of advice, fees and conflicts, complaints | FMA FAP |
| Terms and conditions / client agreement | All platforms | Custody and nominee arrangements, order execution, fees, termination | Contract law; FMC Act fair dealing |
| Fee schedule | All platforms | Transaction, currency and subscription fees — clear and not misleading | FMC Act Part 2 (fair dealing) |
| Custody / client money disclosure | You hold client money or assets | Who the custodian is, segregation, regular client reports, audit assurance | FMA custodians sheet |
| Privacy statement | All platforms | What personal information is collected, why, overseas transfers, access and correction rights | Privacy Act 2020 |
| Complaints process and dispute scheme | All FSPs | Internal process plus the name and contact of the external dispute scheme | FSCL and others |
| AML/CFT due diligence notice | Reporting entities | Why you need ID, proof of address and source of funds | DIA AML/CFT |
| Tax information (PIR, W-8BEN, FIF) | PIE funds or overseas shares | Choosing a PIR, overseas withholding, FIF warnings | IRD IR461 |
行业做法参考：Industry example: Sharesies documents ↗
| 文件 | 要点 | 官方依据 |
|---|---|---|
| Financial Services Guide (FSG) | AFSL 持有人身份、服务、报酬、投诉方式（AFCA） | ASIC AFS licensees |
| PDS | 发行金融产品时需要 | Corporations Act Part 7.9 |
| Target Market Determination (TMD) | 产品适合谁、不适合谁；分销商须合理遵守 | RG 274 (DDO) |
| 条款、费用表、隐私政策 | 遵守 Australian Privacy Principles | Privacy Act 1988 |
| 投诉 / IDR 政策 | 内部纠纷解决 + AFCA 会员 | AFCA |
| AML/CTF 相关说明 | 客户身份核实、AUSTRAC 报告 | AUSTRAC |
| Document | Key content | Basis |
|---|---|---|
| Financial Services Guide (FSG) | Licensee identity, services, remuneration, complaints (AFCA) | ASIC AFS licensees |
| PDS | Required when issuing financial products | Corporations Act Part 7.9 |
| Target Market Determination (TMD) | Who the product is and isn't for; distributors must take reasonable steps to follow it | RG 274 (DDO) |
| Terms, fee schedule, privacy policy | Australian Privacy Principles | Privacy Act 1988 |
| Complaints / IDR policy | Internal dispute resolution plus AFCA membership | AFCA |
| AML/CTF notices | Customer identification and AUSTRAC reporting | AUSTRAC |
| 文件 | 要点 | 官方依据 |
|---|---|---|
| Form CRS（客户关系摘要） | 券商/投资顾问向散户说明服务、费用、利益冲突 | SEC Form CRS |
| 客户账户协议 | 账户条款、保证金协议（如提供） | FINRA rules |
| 费用表与订单路由披露 (Rule 606) | 费用、订单流付款 | SEC Reg NMS |
| 业务连续性计划摘要 | FINRA Rule 4370 要求向客户披露 | FINRA |
| SIPC 会员披露 | 保护范围和限额 | SIPC |
| 隐私通知 | Regulation S-P / GLBA | SEC |
| 基金招股书交付 | 向购买基金的客户提供 (summary) prospectus | Securities Act |
| CIP 通知 | 客户身份识别通知（USA PATRIOT Act §326） | FinCEN |
| Document | Key content | Basis |
|---|---|---|
| Form CRS (client relationship summary) | Short retail summary of services, fees and conflicts | SEC Form CRS |
| Customer account agreement | Account terms; margin agreement if offered | FINRA rules |
| Fee schedule and order routing (Rule 606) | Fees and payment for order flow | SEC Reg NMS |
| Business continuity plan summary | Must be disclosed to customers under FINRA Rule 4370 | FINRA |
| SIPC membership disclosure | Scope and limits of protection | SIPC |
| Privacy notice | Regulation S-P / GLBA | SEC |
| Fund prospectus delivery | Deliver the (summary) prospectus to fund buyers | Securities Act |
| CIP notice | Customer identification notice (USA PATRIOT Act §326) | FinCEN |
这些是草稿模板（英文），不是可直接使用的法律文件。它们以美国式结构为主，示例费用和联系方式均为占位符，上线前必须由律师按你的实际业务重写。
These are drafts (English only), not ready-to-use legal documents. They follow a US-style structure with placeholder fees and contacts. A lawyer must rewrite them for your actual business before use.
Terms of Service
资格、账户、禁止行为、费用、责任限制、终止。Eligibility, accounts, prohibited conduct, fees, liability, termination.
Privacy Policy
收集的数据、用途、共享、保留期限、用户权利。Data collected, uses, sharing, retention and user rights.
Risk Disclosure Statement
市场、流动性、汇率、利率、信用、集中、网络安全等风险。Market, liquidity, currency, rate, credit, concentration and cyber risks.
General Product Disclosure
ETF、股票、债券、指数基金的一般性说明。General explanation of ETFs, shares, bonds and index funds.
Fee Schedule
账户费、交易费、换汇费、提款费结构示例。Example account, trading, FX and withdrawal fee structure.
AML/CFT Policy
客户识别、制裁筛查、可疑交易报告、记录保存。Customer identification, sanctions screening, suspicious activity reporting, record keeping.
KYC Policy
身份核实、地址证明、受益所有人、持续监控。Identity checks, proof of address, beneficial ownership, ongoing monitoring.