# Saffron Financial Services Limited — Public Disclosure Statement

*Mirror of FAP Public Disclosure Statement filed under FMC Act 2013 s431.*

- **Version date:** 2026-05-20
- **Source URL:** https://www.saffronfinance.co.nz/disclosure.pdf
- **Source PDF SHA256:** `ee1c622cbc1b94b5a30690c39490f6c1...`
- **Confidence tier:** C (LLM-extracted from PDF)
- **Extracted via:** claude-haiku-4-5-20251001
- **Ingested:** 2026-05-20
- **Machine-readable facts:** [facts.json](https://financeadvisers.co.nz/api/provider/FSP724111/facts.json)
- **All versions on file:** [filings.json](https://financeadvisers.co.nz/api/provider/FSP724111/filings.json)
- **Authoritative register:** https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP724111

> **About this document.** FAP Public Disclosure Statements are regulated documents that financial advice providers must publish under the Financial Markets Conduct Act 2013, section 431. The content below is the FA-NZ mirror — machine-parsed from the source PDF on the date shown above. For binding regulatory purposes, refer to the firm's own current publication via the source URL above.

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# Publicly Available Disclosure Statement

## Licensing Information

Saffron Financial Services Limited (FSP:724111, trading as Saffron Finance) holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice.

## Nature and Scope of the Advice

We are Financial Advice Provider, and we can give you advice for financial products such as life insurance, health insurance, risk insurance and other risk insurance product and home loans, business and commercial property loans.

We are able to provide financial advice from the following product providers:

| Category | Providers |
|----------|-----------|
| Life and disability insurances | Partners Life, AIA, Chubb Life (Cigna) and Asteron. |
| Health Insurances | Partners Life and AIA. |
| Personal and Home Loans | ANZ, Westpac, ASB, BNZ, asap, Asset Finance, Basecorp, Avanti, CFML, Cressida Capital, DBR, FMT, Heartland, Kiwibank, Select, Southern Cross Partners, AIA, The Co-Operative Bank, Unity, SBS. |

We do not provide advice on KiwiSaver schemes or Investments, legal and accounting matters.

## Fees or Remuneration or Expenses

In the normal course of business, upon work completed we are remunerated by way of (single upfront or trail or mix of both or any other incentives) brokerage or commission from lenders or insurance company.

Saffron Finance may charge fees to customers where they are not paid by lenders or insurance company for work completed or otherwise agreed in advance. In following instances, we will charge you our fees or brokerages or commissions:

1. Saffron Finance expects the loan approved through it should be proceed through it only. If you proceed directly with any bank or lender or another broker before finalising Property and/or Business and/or Refinance of loans, then you will be liable to pay Saffron Finance a fee of **$1000** for the time spent on your application.

2. Where you and/or parties related to you have made up decisions to purchase property/ies and/or purchase of businesses and/or refinance and/or top up loans based on our approval letter or email or any other way and not settled in full through us entire broker commission/brokerage which we could have received from lender will be recovered in full of you and which you will also be liable to pay. Maximum broker commission would be **0.85%** of the loan drawdown amount. Maximum claw back would be **0.85%** of the loan amount repaid.

3. Where loans or mortgages are repaid by way of refinance or sale of property/ies within **36 months** from the date of settlement Saffron Finance will have commission clawed back from the lender which will be recovered in full of the customer and you will also be liable to pay. Maximum broker commission would be **0.85%** of the loan drawdown amount. Maximum claw back would be **0.85%** of the loan amount repaid.

4. Expenses incurred or payment on behalf of customer related to customer's job needs to reimburse on actual basis.

5. In cases where full or part of insurance policy/benefits is/are replaced (without giving us an opportunity) with other insurance company within **24 months** from the date of issue of the policy/ benefits Saffron Finance will have commission clawed back from the insurance company which will be recovered from the customer. In case of cancellation of policy within **24 months** from the date of issue of the policy/benefits Saffron Finance will charge **8 hours charge at the rate of $200 per hour** for each policy issued, which will come to **$1600 per policy**.

In all above instances if customer/s is/are failed to pay our fees/commissions/brokerages /expenses pay within **15 working days** from our notification to customer. We reserve our rights to forward it to collection agency to recover the same at your cost.

## Conflicts of Interest and Incentives

To ensure that we prioritise the customer's interests above our own, we follow an advice process that ensures our recommendations are based on the customer's objectives, needs and circumstances. We further manage possible conflicts of interest by:

1. Avoiding any production requirements for one product provider
2. Having access to a range of product providers
3. Using third party product research as part of our analysis (if needed)
4. By providing description of any material conflicts of interests, an explanation of the circumstances in which material commissions or other incentives will be received.
5. Having our processes audited annually by a reputable compliance adviser.

## Complaints Handling and Dispute Resolution

If you have a problem, concern, or complaint about any part of our services, please tell us so we can try to fix it within **ten working days**. You may contact our internal disputes service by:

- Telephoning: **0212367070**
- Email: **info@saffronfinance.co.nz**
- Writing to: **Saffron Financial Services Limited, 18b Kirby St, Glendene, Auckland 0602**

If we cannot agree to resolve the issue, you can contact Dispute Resolution Service namely **Financial Services Complaints Limited (FSCL)**. This service will cost you nothing and will help us resolve any disagreements. You can contact FSCL by:

- Emailing: **info@fscl.org.nz**
- Calling: **0800 347 257**
- Writing to: **P O Box 5967 Lambton Quay, Wellington 6145**

The Financial Markets Authority regulates Financial Advice Providers. Contact the Financial Markets Authority for more information, including financial tips and warnings.

You can report information or complain about our conduct to the Financial Markets Authority, but in the event of a disagreement, you need to choose to first internal complain procedures and thereafter you can external dispute resolution procedures described above (under "What should you do if something goes wrong?").

## Duties Information

I have duties and obligations under the Financial Markets Conduct Act 2013 relating to how I give advice. I am required to:

1. Ensure you understand that nature and scope of service you ask me to provide.
2. Provide an advice service that is relevant to this scope of service and suitable to your circumstances and needs.
3. Listen to your needs, concerns, preferences and to treat you fairly and with respect.
4. Act with integrity and give priority to your interests and give advice not influenced by my own interests.
5. Exercise care diligence and skill in providing you with advice.
6. Meet the necessary standards of competence, knowledge, and skill to provide you with the advice requested.
7. Ensure you understand my advice and recommendations and any associates risks.
8. Keep you informed along the way and communicate in a timely, clear, and effective manner.

## Contact Details

**Saffron Financial Services Limited (FSP:724111, trading as Saffron Finance)** is the Licensed Financial Advice Provider.

- **Address:** 4279 Great North Road, Glendene, Auckland 0602
- **Phone:** 0212367070
- **E-Mail:** info@saffronfinance.co.nz