Issued by Hay Limited ABN 34 629 037 403

Australian Financial Services Licence No. 515459

Hay® is a registered trade mark

Shaype is the trading name for Hay as a Service Pty ltd

1. About this Guide

This Financial Services Guide (“FSG”) is prepared by Hay Limited ABN 34 629 037 403 Australian Financial Services Licence No. 515459 (Hay).

Under its Australian Financial Services Licence, Hay is authorised to provide financial services including issuing non-cash payment facilities such as the Omni WALLET Card (“Card”) and Omni WALLET Account (Account)

This FSG is issued by 3P an authorised agent of Hay, to market, promote distribute the Hay Limited issued non-cash payment product. This FSG is an important document, which provides information about the financial services offered by Hay and is designed to assist you in deciding whether to use the services offered in this FSG.

Hay is the issuer of the Card, BSB and Account whereby users make payments wherever Visa prepaid cards are accepted (Omni WALLET Card).

The Omni WALLET Card is linked to a digital account (which is not a bank account).  The cardholder is given details of the digital account which will enable them to deposit funds into that account.  Once cleared, these funds can be accessed by the customer by using the Omni WALLET App and or the issued Visa card locally and or overseas.

Under the Corporations Act 2001 (Cth) as an Australian Financial Services Licence holder, Hay is required to hold client monies with an approved Authorised Deposit-Taking Institution (ADI under the Banking Act Cth).

Client monies that are held by Hay, are held with an ADI in a client designated account.

It is important for you to know that Hay is not a bank and our non cash payment product is not protected under the financial claims scheme.

2. Important information

This FSG is designed to assist you make an informed decision about whether to use our financial services. It contains important information about:

  • The financial services we provide and documents you may receive from us;
  • fees and other benefits we may receive for providing the financial services to you; and
  • how you can make a complaint to us and how we will deal with your complaint.
  • After reading this FSG, you will know:
  1. Who we are and how to contact us;
  2. What financial services can be provided to you and how these services will be provided to you;
  3. How we (and any other relevant persons) may be remunerated;
  4. Whether any relevant associations or relationships exist that may influence our general advice;
  5. How we maintain your personal information; and
  6. How to access our internal and external complaints handling arrangements.

The content of this FSG is general information only and does not take into account any person’s particular needs or objectives. Hay provides no warranty as to the suitability, for any person, of the services outlined in this FSG.

If you need any more information than is contained in this document, please contact us. You have the right to ask us about our charges, the type of advice we will provide you, and what you can do if you have a complaint about our services.

3. Documents you may receive

You will receive this document at the time we think that we may provide you with a financial service.

You will also be provided with our product disclosure statement (“PDS”) before you sign up to our product(s). The PDS will provide you with information about the product, its features, benefits, risks, costs and other relevant information, available at

The use of the issued Visa card and digital account are governed by terms and conditions as set out in the PDS which are available at and our Privacy Policy which is available at

You should read the terms and conditions in the PDS and our Privacy Policy before you decide to obtain our product(s).

4. About the Issuer Hay Limited

Hay is a holder of an Australian Financial Services Licence (AFSL) No 515459.  Under its AFSL, Hay is authorised to issue and give advice in relation to (but not limited to) non-cash payment products.

The Card is a facility for making non-cash payments issued by Hay.  This means that 3P is authorised to:

  1. Arrange for the issue of the Card by Hay to you;
  2. Provide factual product advice in relation to the Card; and
  3. Publish or issue certain promotional material in relation to the Card.

Hay can be contacted via:


Mail: Hay, P.O. Box 772, Surry Hills, NSW 2010

5. About the Distribution Agent, 3P and General Advice

3P and its associated companies are not authorised to provide (and Hay itself does not provide) personal advice about financial products.

It is your responsibility to decide whether any factual product information given by 3P in its promotional material is suitable for you, or to get personal advice from a financial adviser who holds an Australian Financial Services licence or who is an Authorised Representative of an Australian Financial Services licence and who is authorised to provide personal advice.

Personal advice is advice when your objectives, financial situation or needs have been or would be expected to be considered. This means that 3P will not take your objectives, financial situation or needs into account whenever it gives general advice (in publishing or issuing promotional material) about the Card.

3P can only provide factual advice on non-cash payment products. 3P cannot advise you on, or influence you in favour of, a financial product that is not a product that we are authorised to provide advice on.

3P can only provide factual advice on non-cash payment products. 3P cannot advise you on, or influence you in favour of, a financial product that is not a product that we are authorised to provide advice on.

Please be aware that Hay shall not be responsible where the Agent provides any services to you, which are outside of their authorisation limits. You should therefore ask the Representative to confirm specifically that the service or product relates to deposit and non-cash payment products, prior to acting on any general advice.

6. A Product Disclosure Statement will be provided to you

Before or at the time you are offered the Card, Hay or 3P will also provide you with, or explain how to access, a Product Disclosure Statement (“PDS”) for the Card. The PDS contains information about the costs, benefits, risks and other features of the recommended financial product. You should read this information to enable you to make an informed decision prior to acquiring the Card.

Can I provide 3P with instructions?

You may provide 3P with specific instructions by letter, email or other means (as agreed with the Authorised Distribution Agent).

Disclosure of any relevant conflicts of interest.

Hay and 3P are not related entities. 3P does not have any relationships or associations that might influence them in providing you with its services.

7. How you can provide instruction to Hay
You can contact 3P by using the following channels:

  • Email:
  • Phone: 1800 07 08 09

8. What commissions, fees or other benefits are received?

Neither Hay or 3P receive any commissions from any party in relation to issuing the customer with a non-cash payment product. Hay charges fees for providing the services to the customer and Hay’s clients. The fees charged to the cardholder are set out in the PDS.

9. Associations and Relationships

Hay does not have any associations/relationships which could influence the financial services provided.

10.  What should you do if you have a complaint?

If you have a complaint or dispute relating to Omni WALLET product that 3P has provided to you, please follow the below procedure:

Step 1

Contact 3P in the first instance via:


Please provide a full explanation of your complaint. 3P may request further details from you about the complaint.

3P will acknowledge that we have received your complaint and seek to resolve the complaint immediately, or by no later than 5 business days after receiving your complaint directly.

Step 2

If you are not happy with the outcome, you may request that Hay’s customer advocate review your complaint. The customer advocate may contact you for more information. The customer advocate will contact you with their decision.

Step 3

If you are still not satisfied with the decision or 3P or Hay do not respond to you within 30 days after you make the initial complaint, you can contact Hay’s external dispute resolution provider, Australian Financial Complaints Authority (AFCA). AFCA’s details are:

Australian Financial Complaints Authority



Phone: 1800 931 678

Mail: Australian Financial Complaints Authority, GPO, Box 3, Melbourne VIC 3001