Marketing compliance software for financial advice (RG 274)
Marketing for financial advice operates inside the broader financial-services regime. In Australia, the provision of financial advice falls under ASIC oversight through the Corporations Act 2001, and ASIC issues regulatory guidance that bears on how advice and its costs are presented, including Regulatory Guide 274, which addresses fee disclosure statements and related disclosure for advice clients. General rules on financial-product advertising apply alongside this.
Cohiva Campaign does not interpret RG 274 or any other guidance, and it does not give regulatory or legal advice. It enforces the review your licensee or compliance team defines. Moving a campaign to live is rejected at the API with HTTP 422 until your checklist passes, and the failed items are returned, so a promotion of advice services cannot go out before the agreed review is complete.
Approvals run through ordered stages with a clear author and approver boundary, so an adviser or marketer cannot sign off their own promotional material, and a compliance officer can review as an internal user or an email-only guest. A rejection routes the work back into production with the reason recorded, and the campaign re-enters the flow once updated.
On a pass, Campaign generates a timestamped compliance certificate and writes the decision to an append-only audit that records the actor, the time, and the before and after values. For an advice licensee, that turns a promotional claim into a documented decision with a defensible record. Campaign helps you operate and record your review; it does not guarantee regulatory compliance, and it does not provide legal advice.
A practical pattern is to configure the checklist around the items your compliance function requires, such as a documented review of any fee or service representations and any required disclosures, and let the gate apply that checklist to every campaign at the API. Because the audit is enforced immutable at the database, the record of how a promotion of advice services cleared review cannot be quietly altered, which is what makes it useful when a question is raised long after the campaign ran.
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Frequently asked questions
- How is financial-advice promotion regulated in Australia?
- It falls under ASIC oversight through the Corporations Act 2001, with guidance such as Regulatory Guide 274 bearing on advice fee disclosure, alongside the general rules on financial-product advertising.
- Does Campaign interpret RG 274 for me?
- No. Campaign enforces and records the review your licensee or compliance team runs against its own checklist. It does not interpret RG 274 or any guidance and does not provide regulatory or legal advice.
- Can a compliance officer review without an account?
- Yes. A stage can include external email-only guest approvers, so a compliance reviewer can sign off without a Campaign account.
- Is there a record of how a promotion was approved?
- Yes. Every approval and the go-live decision are written to an append-only audit with a certificate on pass, exportable to PDF.
- Does Campaign guarantee our financial-advice marketing is compliant?
- No. It enforces the checklist your team defines and records every decision. It helps you comply and keeps the audit trail; it does not guarantee regulatory compliance.
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