Peter Whish-Wilson (Tasmania, Australian Greens) Share this | Hansard source

The Bills Digest talks about the licensing exemption as:

… limited to those providing financial advice on the relevant products or those dealing in the products. It is not available to issuers of the product.

I think what you just said is completely different to what the Bills Digest is saying. You're saying that providers of financial advice are within the company, the product or the services themselves. Presumably a product doesn't just get up and sell itself; there has to be some kind of entity behind it to sell it—or a company itself is trying to sell a product, a stream of new services or a new technology in credit. Where does the financial advice come into it?