Disclosure Statement

1. Nature of Our Service

FinanceAdvisers.co.nz operates as a lead generation service. We:

• Connect consumers with licensed financial advisers
• Do not provide financial advice ourselves
• Are not a financial advice provider under the Financial Markets Conduct Act 2013
• Do not hold a financial advice provider license

2. How We Make Money

Adviser Fees

We generate revenue by charging financial advisers for leads and referrals. Specifically:

• Lead Fees: Advisers pay us when we refer potential clients to them
• Subscription Fees: Some advisers pay monthly or annual fees to be listed on our platform
• Premium Listings: Advisers may pay for enhanced visibility in search results

No Cost to Consumers

Our service is free for consumers. You do not pay us any fees for:

• Using our website or comparison tools
• Receiving adviser recommendations
• Being connected with advisers

3. Adviser Selection and Ranking

Selection Criteria

Advisers in our network are selected based on:

• Valid FMA registration and licensing
• Professional qualifications and experience
• Geographic coverage and service areas
• Specialization in relevant advice areas
• Professional indemnity insurance
• Agreement to our service standards

Ranking Factors

When we recommend advisers to you, the order may be influenced by:

• Relevance to your specific needs and location
• Adviser availability and capacity
• Client reviews and ratings
• Commercial arrangements (fees paid to us)
• Response times and service quality

4. Adviser Relationships

Independent Contractors

The financial advisers in our network are:

• Independent contractors, not our employees
• Responsible for their own advice and services
• Licensed and regulated independently
• Operating their own businesses

No Control Over Advice

We do not:

• Control or influence the advice given by advisers
• Review or approve adviser recommendations
• Take responsibility for the quality of advice
• Guarantee the suitability of any adviser or advice

5. Limitations and Disclaimers

No Financial Advice

We do not provide financial advice. All information on our website is:

• General information only
• Not tailored to your personal circumstances
• Not a substitute for professional advice
• Not a recommendation to buy or sell any financial product

Adviser Information

While we strive for accuracy, we cannot guarantee that:

• All adviser information is current and complete
• Advisers will be available when you contact them
• Advisers will accept you as a client
• The services offered match your specific needs

6. Your Responsibilities

Due Diligence

Before engaging any adviser, you should:

• Verify their FMA registration and licensing status
• Check their qualifications and experience
• Understand their fee structure and services
• Read their disclosure documents
• Ensure they are suitable for your needs

Independent Decision Making

You are responsible for:

• Making your own decisions about which adviser to use
• Evaluating the advice you receive
• Understanding the risks of any recommended strategies
• Seeking second opinions if needed

7. Complaints and Disputes

Service Complaints

If you have complaints about our service, please contact us at:

Adviser Complaints

For complaints about financial advice or adviser conduct:

• Contact the adviser directly first
• Use their internal complaints process
• Contact their professional body if unresolved
• Lodge a complaint with the FMA if necessary

8. Regulatory Information

FMA Registration

All advisers in our network must be registered with the Financial Markets Authority (FMA). You can verify registration at: www.fma.govt.nz

Professional Bodies

Many advisers are also members of professional organizations such as:

• Financial Advice New Zealand (FANZ)
• Institute of Financial Advisers (IFA)
• Financial Planning Association (FPA)

9. Data and Privacy

When you use our service:

• We collect personal information as outlined in our Privacy Policy
• We share relevant information with matched advisers
• Advisers may contact you directly about their services
• You can opt out of communications at any time

10. Changes to This Disclosure

We may update this disclosure statement from time to time. Material changes will be:

• Posted prominently on our website
• Communicated via email to registered users
• Effective from the date of posting

11. Contact Information

For questions about this disclosure or our service: