{"id":74552,"date":"2024-01-08T18:21:09","date_gmt":"2024-01-08T07:21:09","guid":{"rendered":"https:\/\/www.marketforces.org.au\/?page_id=74552"},"modified":"2024-10-29T11:32:15","modified_gmt":"2024-10-29T00:32:15","slug":"frequently-asked-questions","status":"publish","type":"page","link":"https:\/\/www.marketforces.org.au\/about-us\/frequently-asked-questions\/","title":{"rendered":"Frequently asked questions"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.23″ _module_preset=”default” custom_padding=”0px||12px||false|false” global_module=”69001″ saved_tabs=”all” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row module_class=”mf-breadcrumbs” _builder_version=”4.23″ _module_preset=”default” max_width=”1440px” custom_padding=”0px||0px||false|false” custom_css_main_element=”margin: auto;” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_code _builder_version=”4.27.0″ _module_preset=”default” custom_css_main_element=”margin: auto;” global_colors_info=”{}” theme_builder_area=”post_content”]Home<\/a><\/span><\/span>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Section – Header” _builder_version=”4.27.0″ _module_preset=”default” background_color=”#825dc7″ background_enable_image=”off” width_tablet=”90%” width_phone=”90%” width_last_edited=”on|phone” max_width=”1440px” module_alignment=”center” min_height=”259px” max_height=”259px” custom_margin=”||||false|false” custom_padding=”0px|0px|0px|0px|false|false” custom_padding_tablet=”0px|0px|0px|0px|false|false” custom_padding_phone=”||||false|false” custom_css_main_element=”display: flex;|| align-items: flex-end;|| justify-content: center;” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.20.0″ _module_preset=”default” background_color=”#FFFFFF” width=”100%” max_width=”885px” module_alignment=”center” custom_padding=”29px|49px|0px|49px|false|true” custom_css_main_element=”align-self: flex-end;|| margin: unset;” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.20.0″ _module_preset=”default” custom_padding=”||||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text disabled_on=”off|off|off” _builder_version=”4.27.0″ _module_preset=”default” text_font=”Poppins|600||on|||||” text_text_color=”#f06400″ text_line_height=”1.42em” custom_margin=”||8px||false|false” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n

About<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” header_font=”|800|||||||” custom_margin=”||1px|||” hover_enabled=”0″ header_font_size_tablet=”48px” header_font_size_phone=”42px” header_font_size_last_edited=”on|phone” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n

Frequently asked questions<\/h1>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row make_equal=”on” _builder_version=”4.23″ _module_preset=”default” background_color=”#fafafa” max_width=”700px” custom_padding=”40px|10px|20px|10px|false|true” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.20.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_toggle title=”Where should I put my money?” open=”on” open_toggle_background_color=”RGBA(255,255,255,0)” closed_toggle_background_color=”RGBA(255,255,255,0)” icon_color=”#f06400″ toggle_icon=”L||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#fa6d6d” open_toggle_icon=”K||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” _builder_version=”4.27.0″ _module_preset=”default” title_font=”Poppins|600|||||||” title_line_height=”1.75em” closed_title_font=”Poppins|500|||||||” closed_title_line_height=”1.75em” custom_padding=”|10px||10px|false|true” border_width_all=”0px” border_width_bottom=”1px” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

As Market Forces is an environmental advocacy project that focuses on financial institutions, and not a financial adviser, we don\u2019t make recommendations on where people should put their money.<\/p>\n

Rather, we publish information on which financial institutions are invested in or exposed to environmentally damaging activities and put people in a position to make up their own minds.<\/p>\n

The information provided is factual information, and not general or personal advice<\/p>\n

People should should seek independent financial advice before making a decision in respect of their money.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”Which banks don’t invest in fossil fuels?” open_toggle_background_color=”RGBA(255,255,255,0)” closed_toggle_background_color=”RGBA(255,255,255,0)” icon_color=”#f06400″ toggle_icon=”L||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#fa6d6d” open_toggle_icon=”K||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” _builder_version=”4.27.0″ _module_preset=”default” title_font=”Poppins|600|||||||” title_line_height=”1.75em” closed_title_font=”Poppins|500|||||||” closed_title_line_height=”1.75em” custom_padding=”|10px||10px|false|true” border_width_all=”0px” border_width_bottom=”1px” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

We keep a list of over 120 banks, credit unions and mutuals. You\u2019ll be able to see which banks show up in our research as having loaned to fossil fuel projects and companies, which ones don\u2019t have a record of fossil fuel lending and which banks have issued a statement on their fossil fuel lending policy.<\/p>\n

Compare banks<\/a><\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”Which bank is the best one to move to?” open_toggle_background_color=”RGBA(255,255,255,0)” closed_toggle_background_color=”RGBA(255,255,255,0)” icon_color=”#f06400″ toggle_icon=”L||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#fa6d6d” open_toggle_icon=”K||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” _builder_version=”4.27.0″ _module_preset=”default” title_font=”Poppins|600|||||||” title_line_height=”1.75em” closed_title_font=”Poppins|500|||||||” closed_title_line_height=”1.75em” custom_padding=”|10px||10px|false|true” border_width_all=”0px” border_width_bottom=”1px” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

We don\u2019t recommend any one bank over another. It\u2019s a personal choice and we recommend you consult a financial advisor before deciding where to put your money.<\/p>\n

People will understandably have a lot of questions about rates, fees and accessibility. We can\u2019t answer those questions, which is why once you\u2019ve used our research to find a bank that matches your values on the issue of fossil fuels. You can speak to that bank or an independent financial adviser.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”What about my super? How do I know if that’s funding fossil fuels?” open_toggle_background_color=”RGBA(255,255,255,0)” closed_toggle_background_color=”RGBA(255,255,255,0)” icon_color=”#f06400″ toggle_icon=”L||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#fa6d6d” open_toggle_icon=”K||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” _builder_version=”4.27.0″ _module_preset=”default” title_font=”Poppins|600|||||||” title_line_height=”1.75em” closed_title_font=”Poppins|500|||||||” closed_title_line_height=”1.75em” custom_padding=”|10px||10px|false|true” border_width_all=”0px” border_width_bottom=”1px” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

Market Forces profiles over 70 superannuation funds options, showing their known exposure to fossil fuel companies that are actively undermining climate action. You can find out whether your super fund is investing these companies and use your power as a member to make your super fossil fuel free.<\/p>\n

Compare super funds<\/a><\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”How much money does Market Forces make by moving customers?” open_toggle_background_color=”RGBA(255,255,255,0)” closed_toggle_background_color=”RGBA(255,255,255,0)” icon_color=”#f06400″ toggle_icon=”L||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#fa6d6d” open_toggle_icon=”K||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” _builder_version=”4.27.0″ _module_preset=”default” title_font=”Poppins|600|||||||” title_line_height=”1.75em” closed_title_font=”Poppins|500|||||||” closed_title_line_height=”1.75em” custom_padding=”|10px||10px|false|true” border_width_all=”0px” border_width_bottom=”1px” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

$0.<\/p>\n

Market Forces\u2019 research and campaigns are independent from financial institutions and we have not received, or sought, any financial gain from our work.<\/p>\n

The more people chip in to support our work, the more likely it is that we can keep things this way so we encourage people to join us as a monthly donor, which you can do here<\/a>.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”Who does Market Forces bank with?” open_toggle_background_color=”RGBA(255,255,255,0)” closed_toggle_background_color=”RGBA(255,255,255,0)” icon_color=”#f06400″ toggle_icon=”L||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#fa6d6d” open_toggle_icon=”K||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” _builder_version=”4.27.0″ _module_preset=”default” title_font=”Poppins|600|||||||” title_line_height=”1.75em” closed_title_font=”Poppins|500|||||||” closed_title_line_height=”1.75em” custom_padding=”|10px||10px|false|true” border_width_all=”0px” border_width_bottom=”1px” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

Market Forces banks with Bendigo Bank. Market Forces is also an affiliate member of Friends of the Earth Australia, which banks with Bank Australia.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”What is your relationship with Friends of the Earth?” open_toggle_background_color=”RGBA(255,255,255,0)” closed_toggle_background_color=”RGBA(255,255,255,0)” icon_color=”#f06400″ toggle_icon=”L||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#fa6d6d” open_toggle_icon=”K||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” _builder_version=”4.27.0″ _module_preset=”default” title_font=”Poppins|600|||||||” title_line_height=”1.75em” closed_title_font=”Poppins|500|||||||” closed_title_line_height=”1.75em” custom_padding=”|10px||10px|false|true” border_width_all=”0px” border_width_bottom=”1px” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

Market Forces is an affiliate member of Friends of the Earth Australia (FoE), so we are part of FoE. We have an alignment of our mission and values with FoE, so when Market Forces was created FoE kindly agreed that we could become part of their wonderful organisation.<\/p>\n

In addition to being a Friends of the Earth affiliate, Market Forces has its own legal entity, Market Forces Limited.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”What is your relationship with other NGOs?” open_toggle_background_color=”RGBA(255,255,255,0)” closed_toggle_background_color=”RGBA(255,255,255,0)” icon_color=”#f06400″ toggle_icon=”L||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#fa6d6d” open_toggle_icon=”K||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” _builder_version=”4.27.0″ _module_preset=”default” title_font=”Poppins|600|||||||” title_line_height=”1.75em” closed_title_font=”Poppins|500|||||||” closed_title_line_height=”1.75em” custom_padding=”|10px||10px|false|true” border_width_all=”0px” border_width_bottom=”1px” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

We often work with other organisations on various campaigns and initiatives but that always depends on how well and how much our campaign programs match up. We often talk to and attend workshops and meetings with other NGOs and enjoy being part of a large and diverse movement working on environmental issues.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”Are donations made to Market Forces tax deductible?” open_toggle_background_color=”RGBA(255,255,255,0)” closed_toggle_background_color=”RGBA(255,255,255,0)” icon_color=”#f06400″ toggle_icon=”L||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#fa6d6d” open_toggle_icon=”K||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” _builder_version=”4.27.0″ _module_preset=”default” title_font=”Poppins|600|||||||” title_line_height=”1.75em” closed_title_font=”Poppins|500|||||||” closed_title_line_height=”1.75em” custom_padding=”|10px||10px|false|true” border_width_all=”0px” border_width_bottom=”1px” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

Donations made through the Market Forces website are not tax deductible. This is because these donations are directly received by Market Forces, which does not have \u201cDeductible Gift Recipient\u201d status.<\/p>\n

If you require tax deductibility, please get in touch via contact@marketforces.org.au<\/a> and we can suggest alternative ways to support our work.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”Why doesn\u2019t Market Forces apply to become a charity eligible for tax deductible donations?” open_toggle_background_color=”RGBA(255,255,255,0)” closed_toggle_background_color=”RGBA(255,255,255,0)” icon_color=”#f06400″ toggle_icon=”L||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#fa6d6d” open_toggle_icon=”K||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” _builder_version=”4.27.0″ _module_preset=”default” title_font=”Poppins|600|||||||” title_line_height=”1.75em” closed_title_font=”Poppins|500|||||||” closed_title_line_height=”1.75em” custom_padding=”|10px||10px|false|true” border_width_all=”0px” border_width_bottom=”1px” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

At this stage, applying for our own \u201cDeductible Gift Recipient\u201d status is not feasible.<\/p>\n

There is an increasing amount of red tape that ties up organisations with DGR status, and we are reluctant to spend any more time than is absolutely necessary on administration when we could be campaigning. The more efficient we can become the more time we can spend on what\u2019s most important \u2013 delivering campaigns to protect the environment.<\/p>\n

We appreciate all of our wonderful supporters who have not let this influence their financial support, and we thank you for continuing to support our work as we fight for our money to be used for good, not environmental destruction.<\/p>\n

If you require tax deductibility, please get in touch via contact@marketforces.org.au<\/a> and we can suggest alternative ways to support our work.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”Who funds Market Forces?” open_toggle_background_color=”RGBA(255,255,255,0)” closed_toggle_background_color=”RGBA(255,255,255,0)” icon_color=”#f06400″ toggle_icon=”L||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#fa6d6d” open_toggle_icon=”K||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” _builder_version=”4.27.0″ _module_preset=”default” title_font=”Poppins|600|||||||” title_line_height=”1.75em” closed_title_font=”Poppins|500|||||||” closed_title_line_height=”1.75em” custom_padding=”|10px||10px|false|true” border_width_all=”0px” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

We get our funding from a combination of philanthropic institutions and large individual donors, and a growing community of people who contribute on a monthly basis to support our work. If you\u2019d like to make a donation please visit our supporter page<\/a>.<\/p>\n

We don\u2019t receive any funding from financial institutions or governments.<\/p>\n

[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Join us” module_class=”join-us-bottom” _builder_version=”4.23″ _module_preset=”default” background_enable_color=”off” width=”1080px” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|phone” max_width=”100%” module_alignment=”center” custom_margin=”|0px||0px|false|false” custom_padding=”0px||60px||false|false” custom_padding_tablet=”82px||73px||false|false” custom_padding_phone=”0px|0px||0px|false|false” bottom_divider_color=”#fafafa” bottom_divider_height=”37px” bottom_divider_flip=”horizontal|vertical” custom_css_main_element=”margin: auto\t” saved_tabs=”all” collapsed=”on” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row column_structure=”2_5,3_5″ make_equal=”on” _builder_version=”4.20.0″ _module_preset=”default” background_color=”#131313″ width=”100%” max_width=”100%” module_alignment=”center” custom_margin=”|auto||auto|false|false” custom_margin_tablet=”|auto||auto|false|false” custom_margin_phone=”|0px||0px|false|false” custom_margin_last_edited=”on|tablet” custom_padding=”33px|51px|47px|51px|false|false” custom_css_main_element=”max-width: 100% !important;” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”2_5″ _builder_version=”4.18.1″ _module_preset=”default” custom_css_main_element=”margin: auto;” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.20.0″ _module_preset=”default” header_3_font=”Inter|800|||||||” header_3_text_color=”#FFFFFF” header_3_font_size=”28px” header_3_line_height=”1.2em” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

Join us<\/span><\/h3>\n

[\/et_pb_text][et_pb_text _builder_version=”4.20.0″ _module_preset=”default” text_font=”Poppins|600|||||||” text_text_color=”#FFFFFF” text_line_height=”1.5em” custom_margin=”16px||||false|false” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

Subscribe for email updates: be part of the movement taking action to protect our climate.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.18.1″ _module_preset=”default” custom_css_main_element=”margin: auto;\t” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_code _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”]