> _Markdown transcription of H&c Financial Services Limited's Public Disclosure Statement, version 2026-05-24. Source: https://hcfinance.co.nz/public-information/._ --- # Publicly Available Information — H&C Finance --- ## Privacy / Disclaimer We are happy to share the information that **H&C Finance** is required to make publicly available in accordance with the Financial Markets Conduct Regulations 2014. --- ## An Overview of Our Business **H&C Financial Services Ltd** is a financial service provider which operates under the **"H&C Finance"** brand. **H&C Finance**, through our contracted advisers, provides financial advice to our clients. - Contracted advisers run their own Adviser Businesses. They are Financial Advice Providers under the Financial Markets Conduct Act 2013 and each Adviser Business is required to be registered on the Financial Service Providers Register (FSPR). - We engage Financial Advisers to provide financial advice to clients. The FSPR shows the Financial Advisers which have been engaged by Orange Network. - The Financial Advisers you can search for on our website are engaged by H&C Finance. --- ## Licensing Information **H&C Finance** is a registered Financial Services Provider and is a member of [NZ Financial Services Group's](http://www.nzfsg.co.nz/) Financial Advice Provider licence **(FSP286965)** (as an Authorised Body), issued by the Financial Markets Authority ([FMA](http://www.fma.govt.nz/)). **H&C Finance** and its contracted advisors are authorised under this licence. --- ## Scope of This Publicly Available Disclosure This document sets out some information about Stephanie Murray Mortgages and Financial Advisers engaged by Stephanie Murray Mortgages, as required by the Financial Markets Conduct Regulations 2013. Each adviser has their own Disclosure Guide. These are not available on our website but are provided on request and otherwise are provided by the Financial Adviser when they are engaged to provide financial advice by a current or prospective client. In this Disclosure Statement, we refer to Stephanie Murray Mortgages Publicly Available Information Disclosures and the Financial Adviser's Disclosure Guide collectively as the **"Adviser Disclosures"**. --- ## Financial Advice and Product Providers **H&C Finance** and its financial advisers provide financial advice directly to clients. We provide financial advice about **Lending** and **Risk** products. We only provide advice about products from the various providers we are certified and registered with. The Adviser Disclosures: - Set out the specific products they can provide financial advice on - Set out the relevant product providers they are registered with --- ## Fees and Expenses In general, our service is free to clients as the product providers pay us a commission on completed business. Occasionally, where a provider does not pay us a commission, we may need to charge a fee. Fees will always be justified by the amount of work involved in the transaction/advice and will be clearly explained up-front for the Client to agree to before proceeding. --- ## Conflicts of Interest H&C Finance is required to disclose any interests which a client may expect to materially influence the financial advice a client may receive from H&C Finance or its contracted financial advisers. --- ## Commissions & Incentives If a client receives advice from a Financial Adviser in relation to an insurance product and the insurance application is accepted, H&C Finance may receive a commission payment from the applicable insurer. Additionally, where a Financial Adviser refers a client to **Tower Insurance** for their insurance needs or refers a client to **XE Money** or **Prospa NZ** for their other financial needs, H&C Finance may receive a referral payment. H&C Finance manages the potential conflicts of interest arising as a result of these payments by ensuring: - Commission payments are disclosed to clients. In relation to lending products, H&C Finance may receive a commission payment from the applicable lender if a loan arranged by an H&C Finance adviser is advanced. Payments for both lending and insurance commissions may include an upfront payment, together with an ongoing renewal or trail payment. More information about those commissions, and any other incentives they may receive is set out in the Adviser Disclosures. --- ## Other Interests There are no other interests to disclose. --- ## Complaints and Dispute Resolution If you have a complaint about the financial advice or the service you've received from H&C Finance (or an adviser) please lodge a complaint with us. Information about our complaints process can be found in our Adviser Disclosures. In the first instance, please lodge a complaint by emailing: [enquiries@hcfinance.co.nz](mailto:enquiries@hcfinance.co.nz) Include as much detail as possible about the nature of your complaint, and what you would like to happen to resolve the complaint. We will acknowledge receipt of your complaint within **two business days**, and register your complaint in our Complaints Register. Your complaint will be promptly investigated by our *General Manager* in the first instance, and we will aim to provide a response to you within **seven working days** of acknowledging receipt of your complaint. If we need more time to prepare our response, we will let you know. If we cannot agree on a resolution, you can refer your complaint to our external dispute resolution service. This service is independent and will cost you nothing, and will assist us to resolve things with you. **Details of this independent service:** | | | |---|---| | **Entity** | Financial Services Complaints Limited | | **Phone** | 0800 347 257 | | **Email** | [complaints@fscl.org.nz](mailto:complaints@fscl.org.nz) | --- ## Our Duties H&C Finance (and its contracted financial advisers) are bound by and fully support the duties set out in the Financial Markets Conduct Act 2013. These duties are: - Meet the standards of competence, knowledge, skill, and the standards of ethical behaviour, conduct, and client care set out in the **Code of Professional Conduct for Financial Advice Providers**. - Give priority to the client's interests. - Exercise care, diligence, and skill. --- *Note: Individual Financial Adviser Disclosure Guides are not published on this website but are available on request, or provided by the Financial Adviser when engaged to provide financial advice.*