Before giving general advice to customers, what document must you provide to them?

The Financial Services Guide (FSG) is a document that serves as a critical resource for customers before they receive general advice. It outlines the services offered, the fees and charges, and the nature of the advice provided. This ensures that customers are fully informed about the financial products and services they are being offered, as well as the qualifications and relationships of the financial advisors.

Providing the FSG helps customers understand the framework within which the advice is given, fostering transparency and trust in the financial services process. It is a regulatory requirement in many jurisdictions, aimed at protecting the consumer's interests and ensuring they have access to vital information that could influence their decisions.

Other documents, like the Privacy Policy, Terms and Conditions, and Loan Agreement, serve different purposes. The Privacy Policy focuses on how personal data is handled, Terms and Conditions outline the rules governing a service, and a Loan Agreement is specific to the terms of borrowing money. While these documents are important in their respective contexts, they do not fulfill the requirement to inform customers about the nature and scope of the financial advice they will receive.