19. Dispute Resolution
19.1 Except to the extent that this clause is inconsistent with the requirements of any legislative or regulatory regime, the dispute resolution process set out in this clause shall apply. The parties must use all their reasonable endeavours to resolve any dispute arising in connection with this Agreement or any transactions there under.
19.2 If you have a complaint in relation to the Agreement or any aspect of your Account, you should raise this with our Client Management Team.
19.3 If the parties fail to resolve a dispute within 5 Days of one party giving Notice to the other of the dispute, either party may, by giving Notice to the other, refer the dispute to the parties' Senior Officers (where the Client is an individual no such referral is applicable) who, each party must ensure, must co-operate in good faith to resolve the dispute as amicably as possible within 10 Days of the dispute being referred to them.
19.4 This clause, however, does not limit your rights (if applicable) to take any dispute to an external dispute resolution scheme of which we are a member.
19.5 If we cannot resolve a dispute to your satisfaction, depending on its nature, you can refer your complaint to our Licensee or the Australian Financial Complaints Authority (AFCA) on 1800 931 678.