> _Markdown transcription of Financial Gurus 2020 Limited's Public Disclosure Statement, version 2026-05-24. Source: https://financehub.co.nz/disclosure-statement/._ --- # Disclosure Statement ## Licensing Information Financial Gurus2020 Limited (FSP720851, trading as TFH) is a Financial Advice Provider (FAP) licensed and regulated by the Financial Markets Authority (FMA) to provide financial advice services. --- ## Conflicts of Interest, Commissions and Other Incentives Financial Gurus2020 Limited is paid commissions by lenders linked to the amount borrowed. The commission is shared with employed advisers (who are eligible to receive incentive payments if a certain level of overall performance is achieved, based on many factors such as good conduct and client care, as well as meeting volume targets) and contracted advisers. Shareholder advisers may receive commissions indirectly in the form of drawings and dividends. To ensure our advisers prioritise our clients' interests: - We follow an advice process that ensures our recommendations are made appropriately, based on client's goals and circumstances - All our advisers undergo annual training about how to manage conflicts of interest - We maintain registers of conflicts of interest and of gifts and incentives received. These registers are monitored regularly, and additional training is provided as required - We undertake an annual independent Compliance Assurance Review by a reputable compliance adviser --- ## Duties Information Financial Gurus2020 Limited and our advisers have duties under the Financial Markets Conduct Act 2013 to: - Give priority to your 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 behavior, 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 appropriate advice) --- ## Fees and Expenses Generally, we do not charge clients fees, expenses, or any other amount for the financial advice services we provide. There may be certain situations where a fee will be charged, such as working with a lender who does not pay us a commission. If this applies to your situation, it will be disclosed to you in advance. In addition, we may charge you the fees below: - **Cancellation fee:** We may charge you a cancellation fee once you enter into a loan via Financial Gurus2020 Limited and it is repaid (in part or whole) or refinanced (in part or whole) within 28 months of the loan being issued, if we are required to repay commission to the lender. - **Time fee:** We may also charge you a fee for time spent assisting you, if you do not progress with an unconditionally approved loan. --- ## Nature and Scope of the Advice We provide financial advice services about: - Mortgage products - Personal loan products We will also help you to make your application, including dealing with the lender, and we will continue to assist you if a mortgage or loan is issued. We will get in touch about refixing your fixed rate before the expiry of a fixed rate term. We can advise on mortgage and loan products from the main banks and private lenders: - ANZ Bank New Zealand Limited - ASB Bank Limited - Avanti Finance Limited - Bank of China (New Zealand) Limited - ASAP Finance - Basecorp Finance - Liberty Financial Limited - Core Finance Limited - Cressida Capital - Fico Finance Limited - First Mortgage Trust - General Finance Limited - BIZCAP NZ Limited - Heartland Bank Limited - BNZ - Kiwibank Limited - Pallas Capital Limited - Pepper New Zealand Limited - Prospa NZ Limited - Resimac Home Loans Limited - SBS Bank - Sovereign/AIA - Southern Cross Partners Limited - The Co-operative Bank Limited - TSB Bank Limited - Vincent Capital - Westpac New Zealand Limited - Wroxton Finance Limited --- ## Complaints Handling and Dispute Resolution If you are not satisfied with our service or financial advice, please tell us as soon as possible. **Call:** +64 211 784 183 **Email:** finance@financehub.co.nz When we receive a complaint: - We will consider your complaint and let you know how we intend to resolve it. Where possible, we try to resolve your complaint immediately - If we are unable to resolve your complaint to your satisfaction immediately, we will acknowledge your complaint within 2 business days. We may contact you to get further information about your complaint - We aim to provide a final decision within 10 working days of receiving a complaint. If we need more time to investigate your complaint, we will let you know when you can expect to receive a response - We will contact you by phone, email or letter to let you know whether we can resolve your complaint and how we propose to do so If we are unable to resolve the complaint to your satisfaction, you can contact **Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service**. FSCL provides a free and independent dispute resolution service that may help to investigate or resolve your complaint if we haven't been able to do so to your satisfaction. **Email:** complaints@fscl.org.nz **Website:** [www.fscl.org.nz](http://www.fscl.org.nz/) **Freephone:** 0800 347 257