{
  "fsp_number": "FSP659491",
  "name": "David Ian Brian Clemens",
  "slug": "david-ian-brian-clemens-waikanae-FSP659491",
  "profile_url": "https://financeadvisers.co.nz/adviser/david-ian-brian-clemens-waikanae-FSP659491/can-advise-on",
  "fap": {
    "fsp_number": "FSP37033",
    "name": "Mike Pero Mortgages Limited",
    "disclosure_md_url": "https://financeadvisers.co.nz/api/provider/FSP37033/disclosure.md",
    "facts_url": "https://financeadvisers.co.nz/api/provider/FSP37033/facts.json",
    "fspr_url": "https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP37033"
  },
  "product_panel_via_fap": {
    "data_state": "pds-ingested",
    "count": 33,
    "as_of": "2026-05-23",
    "providers": [
      {
        "provider": "AIA New Zealand Ltd",
        "raw_name": "AIA New Zealand Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "AMP Services (NZ) Ltd",
        "raw_name": "AMP Services (NZ) Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "ANZ Bank New Zealand Ltd",
        "raw_name": "ANZ Bank New Zealand Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "Aon New Zealand",
        "raw_name": "Aon New Zealand",
        "confidence_tier": "C"
      },
      {
        "provider": "ASAP Finance Ltd",
        "raw_name": "ASAP Finance Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "ASB Bank",
        "raw_name": "ASB Bank Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "Asteron Life Ltd",
        "raw_name": "Asteron Life Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "Avanti Finance Ltd",
        "raw_name": "Avanti Finance Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "Bank of New Zealand Limited",
        "raw_name": "Bank of New Zealand Limited",
        "confidence_tier": "C"
      },
      {
        "provider": "CBS",
        "raw_name": "CBS",
        "confidence_tier": "C"
      },
      {
        "provider": "Cigna Life Ltd",
        "raw_name": "Cigna Life Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "Cressida Capital Investment Limited",
        "raw_name": "Cressida Capital Investment Limited",
        "confidence_tier": "C"
      },
      {
        "provider": "DBR Ltd",
        "raw_name": "DBR Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "Fidelity Life Assurance Company Ltd",
        "raw_name": "Fidelity Life Assurance Company Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "Go Home Loans",
        "raw_name": "Go Home Loans",
        "confidence_tier": "C"
      },
      {
        "provider": "Heartland Bank",
        "raw_name": "Heartland Bank Limited",
        "confidence_tier": "C"
      },
      {
        "provider": "Liberty Financial",
        "raw_name": "Liberty Financial Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "MBG Ltd",
        "raw_name": "MBG Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "NBS",
        "raw_name": "Nelson Building Society",
        "confidence_tier": "C"
      },
      {
        "provider": "NIB NZ Ltd",
        "raw_name": "NIB NZ Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "OnePath Life (NZ) Ltd",
        "raw_name": "OnePath Life (NZ) Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "Partners Life Ltd",
        "raw_name": "Partners Life Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "SBS Ltd",
        "raw_name": "SBS Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "Secure Funding Ltd",
        "raw_name": "Secure Funding Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "Southern Cross Building Society",
        "raw_name": "Southern Cross Building Society",
        "confidence_tier": "C"
      },
      {
        "provider": "Southern Cross Finance Limited",
        "raw_name": "Southern Cross Finance Limited",
        "confidence_tier": "C"
      },
      {
        "provider": "Southern Cross Healthcare Ltd",
        "raw_name": "Southern Cross Healthcare Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "Sovereign Home Loans",
        "raw_name": "Sovereign Home Loans",
        "confidence_tier": "C"
      },
      {
        "provider": "Strata Funding Ltd",
        "raw_name": "Strata Funding Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "The Co-operative Bank Ltd",
        "raw_name": "The Co-operative Bank Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "Unity Credit Union",
        "raw_name": "Unity Credit Union",
        "confidence_tier": "C"
      },
      {
        "provider": "Vero Insurance Limited",
        "raw_name": "Vero Insurance Limited",
        "confidence_tier": "C"
      },
      {
        "provider": "Westpac New Zealand Ltd",
        "raw_name": "Westpac New Zealand Ltd",
        "confidence_tier": "C"
      }
    ]
  },
  "as_of": "2026-06-01",
  "provenance": {
    "source": "FAP Public Disclosure Statement (FMC Act 2013 s431) via FinanceAdvisersNZ PDS mirror",
    "extraction": "Sonnet-extracted product_panel; confidence tier C; name variants canonicalised via hand-curated alias list",
    "framing": "Product providers this adviser's FAP has disclosed in their public disclosure statement. AI-summarised from PDS; refer to the original PDS for the authoritative list. Not adviser-specific scope of advice.",
    "verbatim_passthrough": "https://financeadvisers.co.nz/api/provider/FSP37033/disclosure.md",
    "pds_corpus_coverage": "~107 of ~2,444 NZ FAPs (~4.5%) as of 2026-06-01",
    "schema_version": "2026-06-01"
  },
  "notes": "FinanceAdvisersNZ is a directory mirror, not the regulator. Product-panel disclosure is firm-wide (FAP-level), not adviser-specific. For binding regulatory purposes, refer to the FAP's own current Public Disclosure Statement."
}