> _Markdown transcription of J.j.v. Holdings Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.mwinsurance.co.nz/company-disclosure-statement._ --- # FINANCIAL SERVICE PROVIDER DISCLOSURE STATEMENT ## Who are we? **Name of financial adviser provider:** JJV Holdings Ltd **Financial Service Provider:** MW Insurance **Telephone Number:** (09) 2370790 **Address:** 8b Roulston Street, Pukekohe 2120 **Email address:** [admin@mwinsurance.co.nz](mailto:admin@mwinsurance.co.nz) **Website:** [www.mwinsurance.co.nz](http://www.mwinsurance.co.nz) --- ## It is important that you read this information It will help you (the client) make an informed decision whether we, as a Financial Advice Provider who gives advice for products, are suitable for your needs and whether to seek, follow or accept the financial advice we give. This Disclosure Statement is required under the Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendment Regulations 2020. --- ## What sort of adviser are we? We are a Licensed Financial Advice Provider by the Financial Market Authority of New Zealand ([FMA](https://www.fma.govt.nz)). The Financial Services Legislation Amendment Act 2019 requires MW Insurance to hold a current license, for our advisers to provide financial advice services to our clients. To view our license go to the [Financial Service Providers Register](https://fsp-register.companiesoffice.govt.nz) and search our Financial Service Provider (FSP) number **FSP39932**. As a Licensed Financial Advice Provider, we have Standard Conditions on our license. These conditions are not specific to MW Insurance and do not limit or restrict Advice that may be given. As a Licensed Financial Advice Provider, we have the following specific conditions on our license that limit or restrict the advice we may give: | Condition | Limits and restrictions | |-----------|------------------------| | Nil | Nil | --- ## What financial advice can we provide to you? MW Insurance and our advisers give financial advice on insurance products for commercial and domestic clients. Our Insurance product providers are Insurance businesses in New Zealand that are licensed by the Reserve Bank under section 19 of the Insurance (Prudential Supervisor) Act 2010. The Insurers have a Financial Strength Rating from an approved rating agency. To view the Insurer ratings click [here](https://www.rbnz.govt.nz/regulation-and-supervision/insurers/licensing/register). MW Insurance product providers are required to have Financial Strength Ratings with a minimum of **B++** and above. When you receive a quote from us you will be supplied the current strength ratings for the product providers that we have quoted for. If you accept the financial advice, we will supply a current rating for the product provider that you have selected. --- ## Limitations and restrictions MW Insurance is committed to providing our clients with good financial advice that is suitable for our client's needs. We only provide financial advice on Insurance Products. --- ## How do we act with Integrity? To ensure that we and our Advisers prioritise your interests above our own, we follow an advice process that ensures recommendations are made based on your individual goals and circumstances. Our Advisers complete annual and ongoing training about how to manage conflicts of interest and a register of interests is maintained. We monitor these registers and provides additional training where necessary. We perform an annual review of our compliance programme. You should be aware that if there are potential conflicts of interest that you the Client may need to take into consideration when you decide to seek and accept financial advice from us or our Advisers, we will make you aware of any conflicts when giving advice. --- ## How do we get paid for the financial advice and Products that we provide to you? MW Insurance and our advisers do not receive any commission or other incentives for giving financial advice. MW Insurance may receive commission and/or as well as a fee when the client accepts our financial advice and purchases an insurance policy. The commission is paid by the Insurer (product provider) for the insurance business on each insurance policy that the client purchases. **The commission paid to us is on average 14% of the company Premium and company Natural Disaster portion for commercial policies and 19% of the company premium for personal policies (Total premium of the insurance policy less government levies and taxes). The commission percentage is provided during quote stage and is displayed in dollar amount on invoices.** We may also charge clients a fee for financial advice. We will tell you what the fee is before you accept any advice from us or our Advisers. We will charge fees that are payable by you the client when our advice is followed, accepted and the insurance policy is purchased. The fees we charge are for our service, placement, implementation, and administration of the insurance policies that the client chooses to accept and purchase. The total fees payable may increase with the number of insurance policies that the client chooses to purchase. The fees are payable by you and are due by the effective date of the policy which is on the invoice. --- ## Premium Funding Where applicable we may offer to arrange premium funding through a funding company to help spread the cost of your insurance over the year, including premiums, taxes, administration fees and levies. If we arrange premium funding for you, we will be remunerated by the funding company, usually as a percentage of the cost of the insurance being funded, between **1–5%**. If you choose to use this premium funding facility, interest and administrative costs will apply. Please note that where we offer and arrange premium funding, we do not act as your credit provider or finance broker, but we act as an agent for the funding company. --- ## NZbrokers Management Limited MW Insurance is a member of NZbrokers Management Limited. NZbrokers Management Limited provides services such as IT, education, training, technical insurance product and claims support and group member benefits to MW Insurance. When a client accepts our financial advice and purchases a policy, NZbrokers receive a service fee or technology fee from the product provider. --- ## How can you depend on the advice you receive? We have not been subject to any reliability events that would influence you the client in deciding whether to seek or obtain advice from us, as your adviser. --- ## How to make a Complaint If you have a problem, concern or you are dissatisfied with either a product or financial advice service that have been provided by us or our advisers and you require action to be taken, please tell us so that we can help and fix the issue. To make a complaint please follow this link [www.mwinsurance.co.nz](http://www.mwinsurance.co.nz) which will give details on our complaints process and how to make a complaint. If a complaint is received, we will approach all complaints with an open mind, listen and treat each complainant as an individual and with courtesy and respect. We will promptly acknowledge the complaint at the earliest possible opportunity and make every attempt to resolve your complaint in a timely manner, with staff escalating as necessary to Senior Management or the Complaints Manager. You will receive a written decision, remedies, and resolution as soon as practicable after we have decided the outcome. --- ## What to do if you are not satisfied after making a Complaint If you feel your complaint is not resolved to your satisfaction using the MW Insurance complaints process, or you are dissatisfied with the response or resolution, you can contact **(FSCL) Financial Services Complaints Ltd**. FSCL is a dispute resolution scheme of which we are a member. This service will cost you nothing and is an independent service that will help investigate or resolve the complaint. You can click on this link to find out how to make a complaint to the FSCL at: [https://www.fscl.org.nz/complaints/complaint-form](https://fscl.org.nz/make-a-complaint/complaint-form/) **Postal address:** PO Box 5967, Wellington 6140 **Email:** complaints@fscl.org.nz --- ## What are our adviser's duties? Our Financial Advisers give financial advice to clients on behalf of MW Insurance. When giving advice, our Advisers must: - Hold a Level 5 New Zealand Certificate in Financial Services. - Maintain competence, knowledge, and skills for giving financial advice by completing continuing professional development. - Abide by the [Code of Professional Conduct for Financial Services](https://financialadvicecode.govt.nz/) and have Ethical behaviour, good conduct and provide client care. - Listen to you the client carefully to discover your needs. - Recommend products or services that meet your needs and explain why. - Give clear and concise communication. - Protect client's information. - Give priority to the client's interests when giving financial advice. --- ## Who licenses and regulates us? The Financial Markets Authority. You can report information about us to the Financial Markets Authority [here](https://www.fma.govt.nz/contact/) or email [questions@fma.govt.nz](mailto:questions@fma.govt.nz). But if you want to make a complaint, you should first use our dispute resolution procedures described under "How to make a Complaint?" and "What to do if you are not satisfied after making a Complaint?". --- *This disclosure statement was prepared on: 24/02/2025 Updated: 19/03/2026*