Support

Simply register with your phone number, then enter the activation code we sent to you, your email address and your password. Your registration is done!

Please confirm you entered your mobile number correctly and make sure it is a valid Australian mobile number. You can always contact us via email or call us for help.

Just click “Forgot Password?” at the login page. We will send a security code to your email address to reset your password. If you didn't receive the security code, please contact us via email or call usfor help.

The Tanggram Platform is free for all users. Tanggram aims to minimize any service charges to all of our customers and merchant partners. We are committed to transparency, and all fees associated with an investment in the Tanggram Investment fund(s) are set out in the fund’s Product Disclosure Statement (PDS) and Target Market Determination. The indicative targeted returns of the investment options are all AFTER FEES Before Tax.

You will receive shopping rewards in the form of T-Points (1 T-Point = AU$ 1), from in-app spendings and other events/campaigns.

You can use your shopping rewards (T-Points) to boost your chosen Tanggram investment option once you have accumulated 50 T-Points. You can combine it with your initial investment or add it into your existing investments directly!

For example, if you’d like to invest $2,000 into the Seed investment option, you can combine 50 T-Points with $1,950 from your own pocket.This also applies to other Tanggram investment options, subject to terms and conditions.

You can earn T-Points through shopping in-app, once your order has been fulfilled, you should be receiving the rewards (T-Points) after 5 business days. Alternatively, you can earn it by referring friends to download the Tanggram app, you will receive up to 10 T-Points subject to terms and conditions.

Currently we will reward you the T-Points with the exchange rate of: 1 T-Point = AU$ 1.

Applications are processed daily when we have received your funds.Please ensure there are sufficient funds in your bank account to avoid delays in processing.

The target return for Seed and Spark is an after fees return. For more information on all the related fees and costs associated with an investment in the Fund, please refer to the PDS on our website or available via the Tanggram App.

In order to switch investment options, you will first need to withdraw your funds from your current investment option and then invest in the new investment option. We are looking to allow direct transfers within different investment options to make the process more convenient for you in the future. Thank you for your understanding. If you wish, you can always add new investment options to build a diversified portfolio of your own.

It’s not mandatory to provide your tax file number (TFN) to invest in the Fund.

However, if you do not provide your TFN, any distributions from the Fund may be taxed at the top marginal rate.

For more information on how to apply for a TFN, please see the guidelines from the Australian government. https://www.ato.gov.au/Individuals/Tax-file-number/Apply-for-a-TFN/

You may need to pay tax on any returns earned through your investment in the Fund. Your taxation position will depend on your individual circumstances and you should seek your own taxation advice in relation to the taxation of any income distributed by the Fund. We will provide you with a tax statement after each financial year in around September.

If you would like to cancel your pending investment application, due to compliance requirements, please send an email to customer@tanggram.com. After the Fund Administration team receives it, they will help you out with your inquiry. We can’t guarantee that we can cancel a pending investment application, so please ensure that your details are correct before submitting.

Please make sure to include your Tanggram ID.

Tanggram Seed and Spark invest indirectly in the residential and commercial mortgage sector with the aim to deliver consistent return and minimise capital volatility. Whilst this sector is considered less liquid than stocks or investment grade bonds, Tanggram seeks to provide reliable returns and monthly liquidity by selecting the best underlying fund managers. All investments carry risks (both to performance and to liquidity). Please see the PDS for more details.

You can submit a full/partial withdrawal request directly from the Tanggram app. Simply go to your Wealth page, select your fund, and tap on either 'Partial Withdrawal' or 'Full Withdrawal' to submit the request.

You can usually withdraw your money any time after the minimum holding period, please refer to the PDS on our website or available via the Tanggram App.

Due to the nature of your investment, how long your withdrawal will take depends on when your withdrawal request is submitted.

Withdrawal requests must be lodged at least 5 Business Days prior to the end of the month (cut-off date) for it to be processed. You will be able to see the relevant cut off dates as well as the payment ETA via the App. Withdrawal Requests will generally be paid within 15 Business Days of the following month.

If you missed the monthly cut-off date, your withdrawal request will be processed after the next cut-off date. You will still receive distributions during the processing period.

Example: If you wish to make a withdrawal in June, please submit your withdrawal request before the monthly cut-off date, which is June 23, 2022 (5 business days before the end of each month), to ensure you receive your payment within 15 business days starting from July 1.

The cut-off date is the day all withdrawal requests received this month are being processed. The cut-off date is 5 business days before the last day of the month. Use the month of February 2022 as an example, the last day of February is the 28th, by counting forward 5 business days, the cut-off date is February 21st.

Tip: always plan ahead and check the cut-off date when you wish to withdraw your money.

There are no fees for withdrawing from your account. For information on fees and costs, please see PDS.

Sometimes, we may accept a request to cancel a withdrawal. You may cancel a withdrawal request by sending us an email to customer@tanggram.com. Please make sure to include your Tanggram ID. We can’t guarantee that we can cancel a pending withdrawal, so please ensure that your details are correct before submitting.

Due to compliance requirements and to prevent fraud, we would need you to provide us with a "proof of change of address" document (eg. utility bill, contract of sale, tenancy agreement, etc.)

Please email any of the above "proof of change of address" documents to: customer@tanggram.com.

The document needs to clearly show the name and address.

Once we receive and verify the document, we will update the address details for you as soon as possible.

Due to compliance requirements and to prevent fraud, we would need you to provide us with the following documents to update your bank details.

1. Most recent bank statement for your old account.

2. Proof of bank account for your new account (eg. copy of a bank statement).

The documents need to clearly show the account name, BSB, and account number.

Please email the above documents to: customer@tanggram.com.

Once we receive and verify the documents, we will update the bank details for you as soon as possible.

Due to compliance requirements, we would need you to send an email to customer@tanggram.com with the following information: your legal name, your Tanggram ID and your TFN.

Distributions are not guaranteed. Every investment comes with risk.

We aim to deliver consistent returns. Since inception on 1 November 2019, Seed and Spark have delivered the target return to investors however past performance is not a reliable indicator of future performance.

The rates of return are not guaranteed and are determined by the future revenue of the underlying credit fund portfolios.

For more information about our investment strategy and risks please refer to the relevant sections of the PDS which is available on our website.

Each investor’s entitlement to a distribution payable for a distribution period in respect of a unit will be calculated with reference to the number of days in each distribution period for which the unit is held.

Distributions are expected to be calculated on a monthly basis and are generally paid to investors within 15 Business Days of each month. We typically aim to pay sooner and you will receive an in app notification when distributions are paid.

Your interest is calculated daily and distributed monthly.

If you submitted a withdrawal request before the monthly cut-off date (5 business days before the last day of the month), interest would still be calculated until the last day of the month.

For example, if you submitted a withdrawal request on 10th Feb, before the cut-off date (21st Feb), your interest will be calculated until 28th Feb.

If you submitted a withdrawal request after the monthly cut-off date (5 business days before the last day of this month), interest would be calculated until the last day of the following month.

For example, if you submitted a withdrawal request on 23rd Feb, after the cut-off date (21st Feb), your interest will be calculated until 31st March.

The amount of your principal and investment income will be paid together and you will receive two statements: a distribution statement and a redemption statement as confirmations.

You may need to pay tax on any returns earned through your investment in the Fund. Your taxation position will depend on your individual circumstances and you should seek your own taxation advice in relation to the taxation of any income distributed by the Fund. We will provide you with a tax statement after each financial year in around September.

We will provide you with a taxation statement after each financial year. Tax statements are usually around September each year following the end of the financial year.

We will send you an annual report regarding the investments in the Fund each year. You will receive the following statements from our fund administrator:

● Transaction confirmation every time you make an investment or withdrawal.

● Distribution statements on a monthly basis following the payment of your distribution.

● Tax statements on an annual basis to enable you to complete your tax return.

● Periodic statements summarizing your investment transactions and performance, and an annual statement for the Tanggram Investment Fund after submission of the Fund’s audited accounts due 30 September each year.

The Tanggram Investment Fund ARSN 632 672 336 (Fund) is a retail managed investment scheme in the form of an Australian unit trust. The Fund is issued by Melbourne Securities Corporation Limited (ACN 160 326 545 AFSL 428289)

Tanggram Capital Pty Ltd (ACN 630 041 020 AR001305609) is the Portfolio Manager & Promoter of the Fund. Who is an authorised representative of Cache Investment Management Pty Ltd (ACN 624 306 430 AFSL 514 360) (Cache).

The Responsible Entity of Tanggram Investment Fund (Fund) is Melbourne Securities Corporation Limited ACN 160 326 545 AFSL 428289 (MSC Trustees).

MSC Trustees has appointed Cache Investment Management Ltd (ACN 624 306 430 AFSL 514 360) as the Manager and Fund Administrator of the Fund.

Yes. Tanggram Capital Pty Ltd is a corporate authorized representative of Cache Investment Management Pty Ltd (ACN 624 306 430 AFSL 514 360).

Yes, the Tanggram Investment Fund is audited twice a year.

Refer your friends to join Tanggram and receive T-Points rewards for both of you.

You can make a referral by letting your friends scan your unique QR code, sending them an invitation link or an invitation code. Check out the referral options in the ‘My Account’ tab under ‘Refer Friends’.

If you are dissatisfied or have a complaint about your investment in the Fund, please contact Tanggram at:

Tanggram Capital Pty Ltd (ACN 630 041 020, AR 001305609)

Level 4, 350 Collins Street, Melbourne VIC 3000

customer@tanggram.com

Tanggram will confirm receipt of any complaint by email within 1 business day, investigate the matter (in conjunction with Cache) and get back to you with a response with the aim of resolving your complaint within 30 days.

If Tanggram has not resolved your complaint to your satisfaction, you can request that the complaint be escalated to the Trustee for review.

If an issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA provides fair and independent financial services complaint resolution that is free to consumers.

Website: http://www.afca.org.au

Telephone: 1800 931 678 (free call)

Email: info@afca.org.au

In writing to: Australian FinancialComplaints Authority, GPO Box 3, Melbourne VIC 3001.