> _Markdown transcription of Vested Limited's Public Disclosure Statement, version 2026-05-24. Source: https://vested.co.nz/disclosure-statement/._ --- # Disclosure Statement — Vested --- ## Licensing Information Vested Limited (FSP1003118) is an authorised body under Clemence Limited (FSP758931), which holds a licence issued by the Financial Markets Authority to provide financial advice. **Contact details:** - Phone: 0800 232 239 or 027 819 7715 - Email: jordan.clemence@vested.co.nz - Address: 355 Selwyn Street, Addington, Christchurch 8024 --- ## Nature and Scope of the Advice Vested provides advice to our clients about their life insurance, health insurance and class advice on KiwiSaver. Our financial advisers provide financial advice in relation to Life Insurance, Health Insurance, and class advice on KiwiSaver. We only provide financial advice about products from certain providers: - **Life insurance:** Cigna, Fidelity Life, Asteron Life, AIA, AMP, Partners Life, Southern Cross & NIB (eight companies) - **Health insurance:** AIA, Partners Life, Southern Cross, NIB (four providers) - **KiwiSaver:** NZ Funds, Generate and Booster --- ## Fees or Expenses Vested does not charge fees, expenses or any other amount for any financial advice provided to its clients. --- ## Conflicts of Interest and Incentives Vested and our financial advisers receive commissions from the providers on whose products we give financial advice (insurers and KiwiSaver providers). If you decide to take out insurance or to take our KiwiSaver provider, the provider will pay a commission to Vested and to your financial adviser. The amount of commission is based on the amount of the premium, or the KiwiSaver balance. From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives. To ensure that our financial advisers prioritise our clients' interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each client's goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We maintain registers of conflicts of interests, and the gifts and incentives we receive. Vested monitors these registers and provides additional training where necessary. Vested performs an annual review of our compliance programme. --- ## Complaints Handling and Dispute Resolution If you are not satisfied with our financial advice service you can make a complaint by: - **Email:** jordan.clemence@resure.co.nz - **Phone:** 027 819 7715 - **Post:** Vested, 355 Selwyn Street, Addington, Christchurch 8024 When we receive a complaint, we will consider it following our internal complaints process: - We will consider your complaint and let you know how we intend to resolve it. We may need to contact you to get further information about your complaint. - We aim to resolve complaints within 10 working days of receiving them. If we can't, we will contact you within that time to let you know we need more time to consider your complaint. - We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so. If we cannot resolve your complaint, or you are not satisfied with the way we propose to do so, you can contact: **Financial Services Complaints Limited (FSCL)** - Address: PO Box 5367, Wellington 6145, New Zealand - Phone: 0800 347 257 - Email: complaints@fscl.org.nz The FSCL provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we have not been able to resolve your complaint to your satisfaction. --- ## Duties Information Vested, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. We are required to: - Give priority to your interests by taking all reasonable steps to make sure our advice is not materially influenced by our own interests. - Exercise care, diligence, and skill in providing you with advice; meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice). - Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should and give you suitable advice). This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at [www.fma.govt.nz](https://www.fma.govt.nz).