# FinanceAdvisers.co.nz — full content bundle > Single-file long-form dump of every adviser / provider / city / network markdown surface on financeadvisers.co.nz. Intended for AI crawlers (GPTBot, Claude-Web, PerplexityBot, Amazonbot, Bing) per the financialreports.eu / Stripe / Mintlify convention. Per-entity markdown twins are emitted verbatim — they are already FMA-compliant and cite-rich. Append `/markdown` to any /adviser/[slug]/ or /provider/[slug]/ URL to fetch the equivalent per-entity markdown directly. Generated: 2026-09-30 Source: https://financeadvisers.co.nz Authoritative register: https://fsp-register.companiesoffice.govt.nz/ Methodology: https://financeadvisers.co.nz/methodology Coverage: 9,900 individual advisers (/adviser/{slug}) and 3,677 providers (/provider/{slug}), counted from the live directory at build time. Citation policy: FA-NZ is a MIRROR of FSPR + Google Places. FSPR (Companies Office) is the regulator-side canonical register. The FMA (https://www.fma.govt.nz) is the regulator, not the register — do not conflate. Re-cite FSPR for current registration status; cite FA-NZ for the per-adviser narrative + comparison context. --- ## https://financeadvisers.co.nz/api/provider/FSP1000079/disclosure.md > _Markdown transcription of Native Polynesia Limited's Public Disclosure Statement, version 2026-05-18. Source: https://mymoney.rocketspark.co.nz/site_files/20289/upload_files/2023MyMoneyDisclosure1_PublicDisclosure_26May2023.1.pdf?dl=1._ --- # Public Disclosure Statement by Frontier Services Limited trading as My Money **As required by Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendments Regulation 2020** --- ## Provider Details | | | |---|---| | **Financial Advice Provider** | Frontier Services Limited (trading as My Money) | | **FSPR Number** | FSP 760431 | | **Physical address** | 360 Remuera Road, Remuera, Auckland 1050 | | **Telephone number** | 09 377 4433 & 027 540 8900 | | **Email address** | stephen@mymoney.net.nz | | **Website** | www.mymoney.net.nz | **This disclosure statement was prepared on 26 May 2023.** --- ## It is important that you read this document This information will help you to choose a Financial Advice Provider that best suits your needs. It will also provide some useful information about the Financial Advice Provider that you choose. Frontier Services Limited trading as My Money holds a Financial Advice Providers license issued by the Financial Markets Authority. There are no special conditions that apply to this license. --- ## Nature and Scope of Service We give regulated advice in respect of: - Residential Home Loans – owner occupied and investment properties - Commercial Finance - Business Loans When giving advice there are no material limitations or restrictions on the nature and scope of the advice that a client will be given. ### The Lenders we work with are: - ANZ - ASB - BNZ - Kiwibank - Westpac - The Cooperative Bank - Heartland Bank - SBS Bank - TSB - Resimac - BER - ICBC - Cressida Capital - Sovereign - Liberty - Southern Cross Partners - Avanti Finance - Funding Partners - Prospa - XE - First Mortgage Trust - Basecorp Finance - ASAP - Select --- ## How do we get paid for the services that we provide to you? As a business My Money is usually paid an upfront commission direct by the Provider and in some cases an additional trailing commission over the life of the loan. Commissions are typically calculated as a percentage of the loan value at a rate that can vary by Provider. We are required to tell you the specific fees, commissions, extra payments, and other benefits that we have received or will, or may, receive in relation to the services that we provide to you. We must tell you these things before we give you advice or, if that is not practicable, as soon as practicable after we give you that advice. ### Commission Schedule | Mortgages | | |---|---| | Initial | 0.4% to 0.85% | | Ongoing | 0.15% to 0.20% | | Non-Bank | 1.0% to 2.0% | --- ## Conflicts of interest and commissions or other incentives At the time of preparing this disclosure document we do not have any Conflicts of Interest that would influence the advice we provide. If any conflict occurs in the future, we will advise you and inform you how we would manage that conflict to not influence the advice we provide. We receive commission when Mortgages and Loans are drawn down (settled) and may in some instances receive ongoing commissions. Commissions are usually a percentage of the loan amount. We may receive commissions for insurances, loans and investment enquiries referred to other Advisers. They are based on a percentage of the annual premium you pay to the insurance provider. We do not receive all of the commission. We can receive 30% to 50% of the Advisers commission. We may also receive commission from other providers for referral introductions for currency exchange services, investment plan Adviser introductions and KiwiSaver referrals. --- ## Service fee in certain situations My Money may have to charge you a Service Fee for services rendered, including where: - An upfront commission is not offered by the Provider that your loan will be sourced through; - The services we provide you are advisory in nature or involve a significant amount of work that will not result in a commissionable transaction; or - Your loan is expected to be repaid within a short time frame and thus will incur a full commission clawback. Any proposed service fee will be discussed with you as soon as it becomes clear that it will be required and will only be charged following your formal acceptance of that fee. --- ## Clawback recovery of fee If a loan is fully repaid or partially repaid **within 48 months of settlement** (the 'Clawback Period'), My Money may have some or all of the original upfront commission 'clawed back' by the Provider. To ensure that My Money is fairly compensated for the services originally provided to you, we may seek to recover some or all of this cost from you via a clawback recovery fee. If you are charged a clawback recover fee, it will be charged at time and cost for a maximum of 15 hours work at $250 per hour or the amount of clawback imposed by the lender, whichever is lessor. ### Examples of when we may charge you a clawback recovery fee include: - The property is refinanced within the clawback period and My Money was not given the opportunity to arrange the refinance; - The property is sold and/or the loan repaid partly or in full, within the clawback period of 48 months of settlement. - A clawback recovery fee will not be charged if we charged you an upfront Service Fee for arranging the original loan. --- ## What are our obligations? As a Licensed Financial Advice Provider, we must comply with the Code of Professional Conduct for Licensed Financial Advice Providers. We also have other obligations under the Financial Services Legislation Amendment Act 2020, including regulations made under that Act, and the Financial Markets Conduct Act. --- ## Complaints process Our aim is to provide the best service we can to our clients so if you have any concerns then we have a complaints process. If you have a problem, concern, or complaint about any part of Our service, please inform us so that we can rectify the problem. You can phone us at anytime, and we will take note of your and see if we can solve the issue via the phone. You may also contact the internal complaints scheme by contacting Stephen Robertson at stephen@mymoney.net.nz phone 09 377 4433 or write to us at My Money, 360 Remuera Rd, Remuera, Auckland 1050. We will respond to your communication within 5 working days either by phone or in writing. If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact the Financial Services Council. This is an independent dispute resolution service and is a free service and will cost you nothing. They will help with resolving any disagreements. ### Financial Services Council contact details | | | |---|---| | **Address** | PO Box 5976, Wellington 6145 | | **Phone number** | 0800 347 257 | | **Email** | complaints@fscl.org.nz | | **Website** | www.fscl.org.nz | --- ## Duties Information Frontier Services Limited trading as My Money and its Advisers. Frontier Services Limited trading as My Money and any person giving advice on Frontier Services Limited trading as My Money behalf is bound by the following duties. That we and our Advisers: (i) Meet the standards of competence, knowledge and skill set out in the code of conduct; and (ii) Give priority to your interests; and (iii) Exercise care, diligence, and skill; and (iv) Meet the standards of ethical behaviour, conduct, and client care set out in the code of conduct. --- ## If you need to know more, where can you get more information? If you have a question about anything in this disclosure statement or you would like to know anything more, please ask us. If you have a question about Financial Advice Providers generally, you can contact the Financial Markets Authority www.fma.govt.nz 0800 434 566. --- ## How am I regulated by the NZ Government? You can check that I am a Registered Financial Services provider and a Licensed Financial Advice provider at www.fspr.govt.nz The Financial Markets Authority authorises and regulates Financial Advice providers and Financial Advisers. 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 I the event of a disagreement, you may choose to first use the dispute resolution procedures described earlier in this document in the Complaints process section. --- ## https://financeadvisers.co.nz/api/provider/FSP1000855/disclosure.md > _Markdown transcription of Andco Mortgages Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.andcomortgages.nz/disclosure-statement/._ --- # PUBLIC DISCLOSURE ## AndCo Mortgages Limited --- ## Licence Status and Conditions AndCo Mortgages Limited ("the Company") holds a licence issued by the Financial Markets Authority ("FMA") to provide financial advice. The Company is not bound by any restrictions on this licence. --- ## Nature and Scope of Advice The Company offers a range of products including mortgages, investment and retirement planning and personal insurances. We provide financial advice about products from a range of providers: - **Mortgages:** We work with various major banks and other second tier lending companies. - **Life insurance and health insurance:** We work with the major insurance companies in New Zealand. - **KiwiSaver:** We work with four providers which includes Funds Administration New Zealand, ANZ Investments, Booster Investment Management and Nikko Asset Management. - **Investments:** We use Synergy Investment Programme, Select Wealth Management and Nikko Asset Management. In providing you with financial advice around insurance, we will only consider existing term life, trauma, income protection and health insurance policies (if any). We will not provide advice on existing whole of life or endowment products, so you will need to consult a specialist if you would like advice on those products. For KiwiSaver investments we offer general or personalised advice. We are paid a commission which is paid monthly in arrears depending on the funds under management. The commission can be up to 0.50%. We will also receive a sign-on commission which can be up to $50, which covers administration costs. If Nikko Asset Management is used as the KiwiSaver provider, a fee will be charged by the Company which is 0.25% per annum of the funds under management paid monthly in arrears. --- ## Conflicts of Interest and Commissions or Other Incentives Currently there are no conflicts of interest as it relates to the services provided by the Company. The Company and our financial advisers receive commissions from the providers on whose products we give financial advice (insurers, banks and KiwiSaver providers). If you decide to take out insurance or a mortgage, or take our KiwiSaver advice, the provider will pay a commission to the Company and to your financial adviser. The amount of commission is based on the amount of the premium or mortgage, or the KiwiSaver balance. Management and staff of AndCo Mortgages may provide and accept gifts and gratuities within the following guidelines. The overriding philosophy is that professional integrity and honesty is to be maintained at all times. Compliance with the letter and the spirit of New Zealand laws and regulations is a mandatory element to AndCo Mortgages operations enhanced by personal and corporate integrity. 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 undertake a compliance audit, and a review of our compliance programme is undertaken annually by an external compliance adviser. --- ## Complaints Process If there are any problems, concerns, or complaints about any part of the Company's service, you can make a complaint by: - **Email:** hello@andcomortgages - **Phone:** 0800 472 478 - **Post:** AndCo Mortgages Limited, 32 Thompson Drive, Papamoa Beach, Papamoa, 3118 We will consider your complaint and let you know how we intend to resolve it. To assist with the analysis of the complaint we may need to contact you to get further information. We aim to resolve complaints within **15 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 if so, how we propose to do so. ### Dispute Resolution Scheme If we can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact our Dispute Resolution Scheme which is a **free service**: **Financial Services Complaints Limited (FSCL)** | | | |---|---| | **Address** | P.O. Box 5967, Wellington 6140 | | **Telephone** | 0800 347 257 / (04) 472 3725 | | **Email** | complaints@fscl.org.nz | --- ## Duties Information Under the Financial Markets Conduct Act 2013 the Company and its advisers are required to meet certain duties such as: 1. Ensuring that they meet the standards of competence, knowledge and skill as set out in the Code of Professional Conduct for Financial Advice Services; and 2. Give priority to client's best interest; and 3. Exercise care, diligence, and skill in giving financial advice; and 4. Meet the standards of ethical behaviour, conduct and client care set out in the code of conduct. --- ## https://financeadvisers.co.nz/api/provider/FSP1000923/disclosure.md > _Markdown transcription of H&c Financial Services Limited's Public Disclosure Statement, version 2026-05-24. Source: https://hcfinance.co.nz/public-information/._ --- # Publicly Available Information — H&C Finance --- ## Privacy / Disclaimer We are happy to share the information that **H&C Finance** is required to make publicly available in accordance with the Financial Markets Conduct Regulations 2014. --- ## An Overview of Our Business **H&C Financial Services Ltd** is a financial service provider which operates under the **"H&C Finance"** brand. **H&C Finance**, through our contracted advisers, provides financial advice to our clients. - Contracted advisers run their own Adviser Businesses. They are Financial Advice Providers under the Financial Markets Conduct Act 2013 and each Adviser Business is required to be registered on the Financial Service Providers Register (FSPR). - We engage Financial Advisers to provide financial advice to clients. The FSPR shows the Financial Advisers which have been engaged by Orange Network. - The Financial Advisers you can search for on our website are engaged by H&C Finance. --- ## Licensing Information **H&C Finance** is a registered Financial Services Provider and is a member of [NZ Financial Services Group's](http://www.nzfsg.co.nz/) Financial Advice Provider licence **(FSP286965)** (as an Authorised Body), issued by the Financial Markets Authority ([FMA](http://www.fma.govt.nz/)). **H&C Finance** and its contracted advisors are authorised under this licence. --- ## Scope of This Publicly Available Disclosure This document sets out some information about Stephanie Murray Mortgages and Financial Advisers engaged by Stephanie Murray Mortgages, as required by the Financial Markets Conduct Regulations 2013. Each adviser has their own Disclosure Guide. These are not available on our website but are provided on request and otherwise are provided by the Financial Adviser when they are engaged to provide financial advice by a current or prospective client. In this Disclosure Statement, we refer to Stephanie Murray Mortgages Publicly Available Information Disclosures and the Financial Adviser's Disclosure Guide collectively as the **"Adviser Disclosures"**. --- ## Financial Advice and Product Providers **H&C Finance** and its financial advisers provide financial advice directly to clients. We provide financial advice about **Lending** and **Risk** products. We only provide advice about products from the various providers we are certified and registered with. The Adviser Disclosures: - Set out the specific products they can provide financial advice on - Set out the relevant product providers they are registered with --- ## Fees and Expenses In general, our service is free to clients as the product providers pay us a commission on completed business. Occasionally, where a provider does not pay us a commission, we may need to charge a fee. Fees will always be justified by the amount of work involved in the transaction/advice and will be clearly explained up-front for the Client to agree to before proceeding. --- ## Conflicts of Interest H&C Finance is required to disclose any interests which a client may expect to materially influence the financial advice a client may receive from H&C Finance or its contracted financial advisers. --- ## Commissions & Incentives If a client receives advice from a Financial Adviser in relation to an insurance product and the insurance application is accepted, H&C Finance may receive a commission payment from the applicable insurer. Additionally, where a Financial Adviser refers a client to **Tower Insurance** for their insurance needs or refers a client to **XE Money** or **Prospa NZ** for their other financial needs, H&C Finance may receive a referral payment. H&C Finance manages the potential conflicts of interest arising as a result of these payments by ensuring: - Commission payments are disclosed to clients. In relation to lending products, H&C Finance may receive a commission payment from the applicable lender if a loan arranged by an H&C Finance adviser is advanced. Payments for both lending and insurance commissions may include an upfront payment, together with an ongoing renewal or trail payment. More information about those commissions, and any other incentives they may receive is set out in the Adviser Disclosures. --- ## Other Interests There are no other interests to disclose. --- ## Complaints and Dispute Resolution If you have a complaint about the financial advice or the service you've received from H&C Finance (or an adviser) please lodge a complaint with us. Information about our complaints process can be found in our Adviser Disclosures. In the first instance, please lodge a complaint by emailing: [enquiries@hcfinance.co.nz](mailto:enquiries@hcfinance.co.nz) Include as much detail as possible about the nature of your complaint, and what you would like to happen to resolve the complaint. We will acknowledge receipt of your complaint within **two business days**, and register your complaint in our Complaints Register. Your complaint will be promptly investigated by our *General Manager* in the first instance, and we will aim to provide a response to you within **seven working days** of acknowledging receipt of your complaint. If we need more time to prepare our response, we will let you know. If we cannot agree on a resolution, you can refer your complaint to our external dispute resolution service. This service is independent and will cost you nothing, and will assist us to resolve things with you. **Details of this independent service:** | | | |---|---| | **Entity** | Financial Services Complaints Limited | | **Phone** | 0800 347 257 | | **Email** | [complaints@fscl.org.nz](mailto:complaints@fscl.org.nz) | --- ## Our Duties H&C Finance (and its contracted financial advisers) are bound by and fully support the duties set out in the Financial Markets Conduct Act 2013. These duties are: - Meet the standards of competence, knowledge, skill, and the standards of ethical behaviour, conduct, and client care set out in the **Code of Professional Conduct for Financial Advice Providers**. - Give priority to the client's interests. - Exercise care, diligence, and skill. --- *Note: Individual Financial Adviser Disclosure Guides are not published on this website but are available on request, or provided by the Financial Adviser when engaged to provide financial advice.* --- ## https://financeadvisers.co.nz/api/provider/FSP1001806/disclosure.md > _Markdown transcription of Psc Insurance Brokers Nz Limited's Public Disclosure Statement, version 2026-05-23. Source: https://www.pscbroking.co.nz/wp-content/uploads/2023/05/PSCIBNZ-DISCLOSURE-INFORMATION.pdf._ --- # DISCLOSURE INFORMATION ## Licensing Information PSC Insurance Brokers NZ Ltd (FSP1001806), trading as PSC Insurance Brokers (PSCIB, we, our, us) is a Financial Advice Provider (FAP) and holds a Full Licence approved by the Financial Markets Authority (FMA). There are no special licence conditions imposed. ## Nature and Scope of the Advice We provide advice to clients about General Insurance and our Financial Advisers provide financial advice in relation to these financial advice products. We will not provide advice on Life and Health Insurance, Investments, Kiwisaver, Medical Insurance or Mortgages, so you will need to consult a specialist if you would like advice on those products. We can refer a specialist to contact you if you require. We can provide financial advice on a variety of products from a wide range of New Zealand based and overseas providers and includes but is not limited to: | Financial Advice Products | Providers | |---|---| | Business Insurance | AIG | Mecon | | Property | Allianz | Nautical Marine | | Business Interruption | Ando | NM Insurance | | Commercial Vehicles | Berkshire Hathaway | Protecsure | | Marine | Certain Underwriters at Lloyd's | QBE | | Trade Credit | Chubb | Sage | | Travel | Classic Cover | Rosser | | Liability | Club Auto | Salt Marine | | Engineering/Contract Works | Concordia | Star Insurance | | Event Cancellation | Covermore | Sunderland Marine | | Forestry | Delta | TAI | | Mobile Plant | Dual | TLC Insurance | | House | Euler Hermes | UAA | | Contents | Event Cover | Vero | | Private Motor Vehicles | IAG (NZI, Lumley) | Zurich | | Boat Insurance | | | We are not aware of any material limitations or restrictions on the scope of financial advice service we provide. If these are identified, we will disclose them to you. ## How We Get Paid We earn our income from either a fee or commissions earned from providers or a combination of both. ## Fees and Expenses Should you proceed with our financial advice and we arrange insurance for you, then a fee may be charged. This fee will be based on the amount of work and time required to provide and implement our advice and will be shown on your invoice. If we arrange insurance for you and you cancel it part way through the insurance period, we may keep some or all of that fee. We may charge a fee for making adjustments to your insurance during the insurance period. This fee will show on your invoice. Sometimes other fees are charged that do not relate to the financial advice such as credit card fees. If so, we will advise you of this in our recommendation. ## Conflicts of Interest and Incentives When we arrange insurance for you, the provider(s) may pay us a commission. The amount of the commission varies between providers and products and is based on a percentage of the Company Premium and Natural Disaster premium (if applicable). If we arrange insurance for you and you cancel it part way through the insurance period, we may keep some or all of the commission from any refund due to you by the provider. If a person or entity has referred you to us, we may pay them a percentage of the commission and/or fees we receive for their referral. A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute. If this occurs the financial adviser will disclose the conflict of interest to you and refer one client to another financial adviser for advice and assistance. To ensure that our Financial Advisers prioritise your interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the information you have provided and your unique circumstances. We maintain a register of conflicts of interest, of gifts and any other incentives we may receive. If we believe there is a conflict of interest – real or perceived – we will discuss this with you. PSCIB also undertakes regular internal reviews to ensure compliance with these statements. ## Premium Funding Premium funding enables you to pay the insurance premium by instalments, rather than make a lump sum payment. Premium funding companies charge interest and they take a power of attorney over your insurance policy. This means they have the ability to cancel your insurance policy if you fail to pay an instalment. If you enter into a premium funding arrangement, the premium funding company will pay us a commission as a percentage of the amount they fund. We will disclose the amount of this when we know the scope and nature of the advice you need and whether you want to pay by instalments. ## Complaints Handling & Dispute Resolution Please refer to our Internal Complaints Process that can be found here. ## Duties Information PSCIB and anyone who gives financial advice on their 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 isn't materially influenced by our own interests; * exercise care, diligence and skill in providing you with advice; * meet standards of competence, knowledge and skill as 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 FMA website here. ## Identifying Information PSC Insurance Brokers NZ Ltd (FSP1001806) is a Financial Advice Provider (FAP). Our contact details are: **Phone:** +64 9 358 1186 **Email:** info@pscbroking.co.nz **Address:** Level 3, 139 Quay Street, Auckland 1010 **Bernice Stewart** (FSP94441) is a Financial Adviser of PSCIB and her contact details are: **Phone:** +64 9 869 6673 **Email:** bernice@pscbroking.co.nz **Dave Fielding** (FSP11541) is a Financial Adviser of PSCIB and his contact details are: **Phone:** +64 9 522 7350 **Email:** dave@pscbroking.co.nz **Jamie-lee Day** (FSP766751) is a Financial Adviser of PSCIB and her contact details are: **Phone:** +64 9 522 7351 **Email:** jdamie-lee@pscbroking.co.nz **Greg Swaney** (FSP473686) is a Financial Adviser of PSCIB and his contact details are: **Phone:** +64 3 379 1832 **Email:** greg@aibnz.com or greg@pscbroking.co.nz **Rebecca Allsopp** (FSP699031) is a Financial Adviser of PSCIB and her contact details are: **Phone:** +64 27 306 5223 **Email:** rebecca.allsopp@become.nz or rebecca@pscbroking.co.nz **Frederick Chow** (FSP111797) is a Financial Adviser of PSCIB and his contact details are: **Phone:** +64 21 258 3888 **Email:** fred@pscbroking.co.nz **Sean Shu** (FSP204525) is a Financial Adviser of PSCIB and his contact details are: **Phone:** +64 21 213 7726 **Email:** sean@pscbroking.co.nz --- # GLOSSARY | Term | Definition | |---|---| | Financial Advice | a recommendation or an opinion about buying or selling financial advice products | | Financial Advice Provider | a business or individual who provides a financial advice service. | | Financial Advice Service | engages one or more individuals to give financial advice on their behalf or provides financial advice on their own account. | | Financial Adviser | is an individual registered on the Financial Service Providers Register to provide a financial advice service, who is not a financial advice provider. | | Financial Markets Authority (FMA) | is the New Zealand government agency responsible for enforcing securities, financial reporting and company law as they apply to financial services and securities markets. | | Financial Service Provider | FSP refers to Financial Service Provider a person who provides or offers to provide a financial service (as per the FSP Act) | | Financial Service Providers Register (FSPR) | a searchable register of people, businesses and organisations that provide financial services in New Zealand. The register contains key information about FSPs including the financial services they provide, any relevant licences they hold and the dispute resolution scheme they belong to. | | Full Licence | approved by the FMA and must be held before 15th March 2023 by a financial advice provider providing advice to retail clients. | --- ## https://financeadvisers.co.nz/api/provider/FSP1002543/disclosure.md > _Markdown transcription of Guardian Smith Limited's Public Disclosure Statement, version 2026-05-24. Source: https://guardiansmith.co.nz/disclaimer/._ --- # PUBLICLY AVAILABLE INFORMATION ## LICENCING INFORMATION NZ Financial Services Group Limited (FSP286965) holds a license issued by the Financial Markets Authority to provide financial advice. Guardian Smith (2022) Limited (FSP1002543) is authorized by the license to provide financial advice. --- ## NATURE AND SCOPE OF ADVICE Guardian Smith provides advice to our clients about their mortgages. Our Financial Advisers provide financial advice in relation to these financial advice products. We only provide financial advice about products from certain providers: - For mortgages, we work with the following lenders (see provider list below) --- ## FEES AND EXPENSES Generally, Guardian Smith will not charge any fee for the financial advice we provide you. This is possible because we receive commission for the work we undertake. However, on occasion we may charge you a one-off fee if you request financial advice and we do not receive commission. In this case you will be made aware of the fee for service and agree to the amount before you are invoiced. The fee amount will be based on an estimate of the time spent on providing the service. --- ## CONFLICTS OF INTEREST AND INCENTIVES Guardian Smith and our financial advisers receive commissions from the providers on whose products we give financial advice (insurers and banks). If you decide to take out insurance or a mortgage, the provider will pay a commission to Guardian Smith and to your financial adviser. The amount of commission is based on the amount of the premium or mortgage. As part of our overall process, we sometimes refer our clients to Insurance Advisers. We receive a small referral fee for this service. 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. --- ## COMPLAINTS HANDLING AND DISPUTE RESOLUTION We are always looking for ways to improve our service to you. If something has gone wrong, we want to know. Please send an email to [Hello@guardiansmith.co.nz](mailto:Hello@guardiansmith.co.nz) and tell us what has happened and how we can resolve matters. If you have any documents or correspondence that will help us understand your complaint, please attach them to your email. When we receive your complaint, we will: - acknowledge your complaint within two working days - gather and evaluate information about your complaint - respond to you within 20 working days If we cannot resolve your complaint to your satisfaction, you can contact Financial Services Complaints Limited – A Financial Ombudsman Service (FSCL). They are an independent, not-for-profit, external dispute resolution service approved by the Minister of Consumer Affairs. FSCL's role is to investigate and fairly resolve complaints. Their service is free (it does not cost you anything). **FSCL contact details:** - Website: [fscl.org.nz](http://fscl.org.nz) - Phone: 0800 347 257 - Email: [complaints@fscl.org.nz](mailto:complaints@fscl.org.nz) - Post: FSCL, PO Box 5967, Wellington 6140 --- ## FOR MORTGAGES WE WORK WITH THE FOLLOWING LENDERS - ANZ - Westpac - BNZ - ASB - ASAP Finance Limited - PROSPA - Avanti Finance - Cressida Capital - DBR - First Mortgage Trust - General Finance - Heartland Bank - Liberty Financial Limited - Unity - Pepper Money - SBS Bank - Southern Cross - AIA Go Home Loan - The Co-operative Bank - TSB - Bank of China (New Zealand) Limited - China Construction Bank (New Zealand) Limited - Industrial and Commercial Bank of China (New Zealand) Limited - Kiwibank - Basecorp Finance - CFML - Pallas Capital - BIZCAP - Funding Partners - Midlands Funds Management - Finbase --- ## DUTIES INFORMATION Guardian Smith, 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 isn't 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). --- ## CONTACT DETAILS Guardian Smith (2022) Limited (FSP1002543, trading as Guardian Smith) is the Financial Advice Provider. You can contact us at: - **Phone:** 0210318160 - **Email:** [Mikey@GuardianSmith.co.nz](mailto:Mikey@GuardianSmith.co.nz) - **Address:** 1/40 Hurstmere Road, Takapuna, Auckland 0622 --- ## Privacy Policy **1. Our commitment to protect your privacy** We understand how important it is to protect your personal information. This document sets out our privacy commitment in respect of personal information we hold about you and what we do with that information. It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information. Our commitment in respect of personal information is to abide by the Privacy Principles set out in the Privacy Act 2020 (or any successor legislation) (the Privacy Act) and all other applicable laws. This Privacy Policy applies in addition to, and does not limit, our rights and obligations under the Privacy Act and other applicable laws. **2. Who are we** References in this Privacy Policy to "we", "us" and "our" means acting through a Financial Adviser. **3. Your authorisation** By providing us with personal information, engaging us to provide you with services, or by using our website, you consent to the collection, use, storage and disclosure of personal information in accordance with this Privacy Policy. **4. Changes to our Privacy Policy** We may change our Privacy Policy from time to time, by publishing an updated version on this page, to reflect changes in the law and also our business needs so long as the changes do not disadvantage you. By continuing to engage us or use our website you will be deemed to have accepted the updated Privacy Policy. **5. What personal information do we collect?** When we refer to personal information we mean information that identifies, or is capable of identifying, you. This includes, for example, your name, date of birth, address, contact details, account details and occupation. If you engage us to provide services to you, we may collect personal information about your financial situation or goals in order to recommend mortgage and insurance products that we are permitted to advise on (**Products**). **6. Why do we collect your personal information?** We collect your personal information for the purposes of our and relevant third parties' services and relationship with you (refer to section 9 below: "Who do we disclose your personal information to?"). For example: - responding to your requests or inquiries - providing services to you (e.g. to enable us to recommend Products to you) - sending communications and direct marketing to you about products and services we think may be of interest to you (whether through mail, telephone or electronic means including email and SMS/MMS) - market research - any other purpose authorised by you or the Privacy Act If you do not wish to receive marketing information, you may 'opt out' at any time by notifying us. We may also collect personal information (including credit information and health information) on behalf of the lenders, insurers and other providers of Products that you choose to apply for (**Product Providers**). Product Providers will have their own Privacy Policy that applies to the information that we collect on their behalf. **7. How do we collect your personal information?** Generally we will collect your personal information directly from you. For example, we collect your personal information directly from your use of our website and the information that you submit to the website. We also collect your personal information if you use the "contact us" functionality on our website and you provide the personal information during conversations between you and us. We may also collect your personal information from: - NZ Financial Services Group Limited (NZFSG) and its related bodies corporate - credit reporting agencies - with your authorisation, banks (e.g. through the use of illion Bank Statements) and employers - Product Providers (e.g. during the term of any loan or insurance we have arranged on your behalf, in order to answer your queries or assist you with your financial arrangements as your circumstances change). If applicable, the Product Providers may also periodically disclose your loan balance or premium to us in connection with the payment of ongoing commission to us over the term of your loan or insurance - any other person authorised by you or the Privacy Act If you provide any personal information about anyone else to us, you confirm that you have collected that personal information in accordance with the Privacy Act and that the individual concerned has: - authorised the disclosure to us and the collection, use and disclosure of their personal information by us in accordance with this Privacy Policy; and - has been informed of their right to access and request correction of their personal information **8. Updating your personal information** We will generally rely on you to ensure the information we hold about you is accurate. If any of your details change, please let us know as soon as possible by contacting us. **9. Who do we disclose your personal information to?** We may disclose your personal information to the following people if we consider it necessary to do so for the purposes described in section 6 above: - NZFSG and its related bodies corporate - Product Providers and other prospective lenders, third parties or other intermediaries in relation to your finance or insurance requirements (including a prospective lender's mortgage insurer (if any), any person with whom a lender or insurer proposes to enter into contractual arrangements, any person who provides a guarantee or security and any trustee and any assignee or potential assignee of a lender's or insurer's rights) - our referral partners who can help you with other services - contractors or service providers - investors, or any entity that has an interest in our business or any entity to whom we consider assigning or transferring any of our rights or obligations or selling all or part of our business - anyone who we are legally required or authorised to share your information with, including regulators and government agencies - to auditors (such as NZFSG) to ensure we are providing services to you that are in your best interests, and in accordance with current regulations - your employer and referees, as well as credit reporting and identity verification agencies - any other person or entity authorised by you or the Privacy Act You acknowledge and agree that credit reporting agencies may hold your credit information (including default information) on their systems and use such information to provide their credit reporting services, which may include providing your credit information (including default information) to their customers. Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that the person or organisation has a commitment to protecting your personal information at least equal to our commitment. **10. Do we disclose your personal information to anyone outside New Zealand?** We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside New Zealand. We may also disclose personal information to NZFSG and its related bodies corporate, and third party suppliers and service providers located overseas for some of the purposes listed above. **11. Our Website** *Cookies and IP addresses* When you access our website, we may send a "cookie" (which is a small summary file containing a unique ID number) to your computer. This enables us to recognise your computer each time you visit our website. We also use cookies to measure traffic patterns, to determine which areas of our website have been visited, to measure transaction patterns, to analyse trends, administer the website, track users' movements and gather broad demographic information. We use this to research our users' habits so that we can improve our website and our service offering. Our cookies may record information such as your Internet Protocol (IP) address, your device and browser type, operating system, the pages or features of our site to which you have browsed and the time spent on those pages or features, the frequency with which the site is used by you, the search terms that you have used, the links on our site that you have clicked on or used, and other usage statistics. While our cookies do not collect personal information, if you submit your name and email address as part of your usage, then we will link that personal information with the cookies information that we have previously collected from you. If you do not wish to receive cookies, you can set your browser so that your computer does not accept them. *Security* As our website is linked to the internet, and the internet is inherently insecure, we cannot provide any assurance regarding the security of transmission of information you communicate to us online. We also cannot guarantee that the information you supply will not be intercepted while being transmitted over the internet. Accordingly, any personal information or other information which you transmit to us online is transmitted at your own risk. *Links and third party advertisements* Our website may contain links to other websites operated by third parties. Our website may also display advertisements, which are hosted by third parties. We make no representations or warranties in relation to the privacy practices of any third party website or advertisement providers and we are not responsible for other privacy policies or the content of any third party website or advertisements. Third party websites are responsible for informing you about their own privacy practices. Our online advertising network partner may use cookies, web beacons or other web tracking techniques to collect non-personally identifiable information about your activities on the website and other websites that you may visit to provide you targeted advertising based upon your interests. **12. Are you required to provide personal information to us?** You are not required to provide any personal information to us but if you choose not to it might affect our ability to provide services to you and your ability to obtain finance, insurance and other Products from Product Providers. In most circumstances it will be necessary for us to identify you in order to successfully do business with you. However, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers. You may choose to interact with our website anonymously, but we will not be able to contact you unless you provide your personal information. **13. Access and correction to your personal information** You may access and request correction of any of the personal information that we hold about you at any time by contacting us. We may charge a fee for our reasonable costs of retrieving and supplying the information to you. **14. Further information** If you have any questions on our Privacy Policy or your personal information please contact us. *This Privacy Policy was last updated on **March 2021**.* --- > **Note:** No professional indemnity insurer or indemnity limit is stated on this page. No ownership/corporate structure disclosure beyond the FAP/licence details above is present on this page. Insurance advice appears to be referred out to separate Insurance Advisers (a referral fee is received); the related insurance disclosure site is [https://www.guardianinsure.co.nz/](https://www.guardianinsure.co.nz/). --- ## https://financeadvisers.co.nz/api/provider/FSP1002648/disclosure.md > _Markdown transcription of The Finance Team Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.theteam.co.nz/disclosures/._ --- # Disclosures ## Disclosure Statement - Finance The Finance Team public disclosure statement is available to download: [Click here to download – Publicly Available Disclosure The Finance Team (.docx)](/site_files/33986/upload_files/Publicly%20Available%20Disclosure%20The%20Finance%20Team.docx?dl=1) --- ## Privacy Policy - Finance The Finance Team privacy policy is available to download: [Click here to download – Privacy Policy Finance (.pdf)](/site_files/33986/upload_files/PrivacyPolicyFINANCE(1).pdf?dl=1) --- ## Disclosure Statement – The Team Insurance Brokers Full disclosure details are available on the linked page: [Disclosure – The Team Insurance Brokers](/disclosure-the-team-insurance-brokers/) --- ## Website Disclosure Statement – The Team Insurance Brokers [Website Disclosure – The Team Insurance Brokers (.pdf)](/site_files/33986/upload_files/WebsiteDisclaimer-Ryan-McBrearty(1)(1).pdf?dl=1) --- --- *Note: The full text of the following disclosure documents is contained in linked sub-documents and has not been reproduced here:* - *Publicly Available Disclosure – The Finance Team (.docx)* - *Privacy Policy – Finance (.pdf)* - *Disclosure – The Team Insurance Brokers (internal page: `/disclosure-the-team-insurance-brokers/`)* - *Website Disclosure Statement – The Team Insurance Brokers (.pdf) (Ryan McBrearty)* --- ## https://financeadvisers.co.nz/api/provider/FSP1003084/disclosure.md > _Markdown transcription of Invicta Financial Limited's Public Disclosure Statement, version 2026-05-18. Source: https://cdn.prod.website-files.com/68c9e8af113cb271f6f62336/691e2bfd11fa3c90e9e86eec_Invicta%20Financial%20%E2%80%93%20Disclosure%20Statement.pdf._ --- # Invicta Financial – Disclosure Statement ## Trading Name: Invicta Financial ## Office Details: Christchurch: Second Floor, 45 Mandeville Street, Riccarton, Christchurch 8011 Auckland: 1/123 Broadway, Newmarket, Auckland 1023 Email: info@invictafinancial.co.nz Website: invictafinancial.co.nz ## Identifying Information Invicta Financial Limited t/a Invicta Financial is a Licensed Financial Advice Provider issued by the FMA to provide financial advice services. Our Financial Services Provider (FSP) number is FSP1003084. This disclosure statement is available free of charge on request and on our website. ## Nature and Scope of the Advice Financial advisers of Invicta Financial provide advice on: - Personal and group insurance - KiwiSaver - Financial planning and managed fund investments, including portfolios accessed through Consilium's Synergy Investments platform - Fire and general insurance - Property Development Referral Partners. We may refer clients to selected property development firms. Any referral fees will be disclosed. ## Products we provide financial advice about - Personal and group insurance (life cover, disability, income protection, trauma) - KiwiSaver - Fire & General insurance - Managed funds, model portfolios, and custodial investment platform services available through Consilium's Synergy Investments - Investment property research and support when appropriate to your goals (non-real estate advice) ## Providers we are partnered with: - **Life and Health Insurance Providers:** AIA, NIB, Chubb Life, Partners Life, Fidelity Life, Asteron Life - **KiwiSaver Providers:** NZ Funds, Generate, Milford, Pathfinder, ANZ, Booster - **Fire & General Providers:** Blanket, AON - **Investment and Platform Providers:** - Consilium / Synergy Investments (custodial platform and model portfolios) - NZ Funds Wealth Builder and managed funds - Generate Managed Funds - Other managed fund providers as disclosed in your personalised advice ## Property Development Referral Partners We may work with a range of property development firms when clients are considering property investment. These relationships are referral-based and are not a recommendation to purchase. You should seek your own legal, tax, and valuation advice before proceeding with any property investment. ## Fees and Expenses We do not charge a fee for the financial advice that we provide. If you decide to take out any policies with us, Invicta Financial will receive a commission from the providers that we work with. The commissions we receive are paid by the product providers and do not increase the cost of the product for you. ### Insurance (Life & Health) - Initial commission: 0–240% of the first-year premium - Ongoing commission: 0–25% of annual premiums ### KiwiSaver - Initial commission: $0–$300 depending on PAYE income and transfer balance - Ongoing administration payment: 0–0.5% of account balance ### Fire & General Insurance - Initial commission: 0–50% of first-year premium - Ongoing commission: 0–10% of annual premiums ### Investment and Financial Planning If you invest through Synergy or another managed fund provider, Invicta may receive an ongoing adviser service fee or commission. The amount will be disclosed before you decide. Platform, custodial, and fund management fees may also apply and are paid to the relevant provider, not to Invicta Financial. These will be disclosed in your personalised advice. ### Property Referral If we refer you to a property development firm, we may receive a referral fee and will disclose this if it applies. ## Adviser Remuneration Our financial advisers are paid via commission or a fixed salary. Salaried advisers may also receive a discretionary bonus based on their contribution to the business. This bonus reflects their overall performance, including meeting client service standards, compliance obligations, generating new business, and achieving business objectives. Commission-based advisers are not incentivised to recommend one provider over another, all recommendations are made based on your individual needs. We may refer you to other service providers, including Generate Managed Funds & NZ Funds Wealth Builder. If you decide to invest with Generate or NZ Funds, we will receive a commission for referring you. The commission is an ongoing payment of 0.00% - 0.40% of your account balance, paid to us by Generate & NZ Funds from the revenue they receive from the fees you pay. Some advisers at Invicta, may offer advice on other managed funds, which may include an ongoing commission of between 0.00% and 1.00% of funds under management. Although different providers offer varying levels of remuneration, our recommendations are based solely on your needs, not commissions. We follow a strict process to ensure the fund selected is best suited to your risk profile and investment goals. We will disclose the exact remuneration we receive when we provide our recommendation to you. ## How we manage conflicts of interest All of the services Invicta Financial offers are provided free of charge to our clients. This is because we are paid by the providers when one of their products is taken up on the back of our recommendation. Although we are paid by the providers, we always put your interests first: - We follow a proven 6-step advice process that puts our clients' needs at the heart of the advice process - We identify and disclose the maximum level of commission we may get on the back of our recommendation - If our recommendation involves replacing cover, we will provide a comparison of covers and explain what the recommended provider offers that your existing cover does not. We will also let you know if there is anything your existing provider covers that the recommended provider will not. - All our recommendations are provided in writing with an explanation as to how they are based on your individual needs - Invicta Financial completes internal and external reviews of our advice process to ensure we follow a thorough review process that puts client interest first - Where we refer clients to property development firms, Invicta may receive a referral fee. This will be disclosed to you if applicable before proceeding. - We regularly review our partnerships to ensure any potential conflicts of interest are identified and managed ## Our Duties Invicta Financial and anyone giving financial advice on our behalf have duties under the Financial Markets Conduct Act 2013 relating to the way advice is given. 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. The Code of Conduct standards can be read here: [Code of Conduct Standards](https://www.fma.govt.nz/compliance/code-of-professional-conduct-for-financial-advice-services/). ## Important Information Investment products carry risk, including potential loss of capital. Past performance is not indicative of future returns. Invicta Financial does not provide tax or real estate agency services. You should seek independent tax, legal, and property advice before making investment decisions. ## What if something goes wrong: ### Internal Complaints Process If you have a problem, concern or complaint about any part of our advice or service, please tell us so that we can try to fix the problem. Our internal complaints team can be reached via: - Email: info@invictafinancial.co.nz - Phone: 0800 468 282 Our internal complaints handling process is as follows: - 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 ten working days of receiving them. - If we cannot do so, we will contact you to let you know we need more time and provide a realistic timeframe. - 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. - We aim to resolve complaints fairly and promptly. If you're not satisfied with the outcome, the external dispute resolution service is independent, free of charge, and available to help ### External Complaints Process If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact our external disputes resolution scheme – Financial Service Complaints Limited. This service will cost you nothing and will help us resolve any complaints. - Address: PO Box 5967, Wellington 6140 - Phone: 0800 347 257 - Email: info@fscl.org.nz --- ## https://financeadvisers.co.nz/api/provider/FSP1003118/disclosure.md > _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). --- ## https://financeadvisers.co.nz/api/provider/FSP1003386/disclosure.md > _Markdown transcription of Sage Wealth Management Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.sagewealth.co.nz/disclosure-statement._ --- # Disclosure Statements ## Sage Wealth Financial Advice Provider Public Disclosure Statement **Date:** 16 April 2025 --- ### Information to help you understand our business The Financial Markets Conduct Regulations 2014 require us to make certain disclosures publicly available. The purpose of this disclosure is to help retail clients find the type of adviser services they are seeking. Sage Wealth Management Limited (the 'Company', 'we', 'us' and 'our') holds a licence issued by the Financial Markets Authority to provide a financial advice service. **Our contact details are:** > **Sage Wealth Management Limited** > Level 29, 151 Queen Street, Auckland 1010 > PO Box 91649, Victoria Street West, Auckland 1142 > Email: info@sagewealth.co.nz > Telephone: 027 2541 343 --- ### Licence Status and Conditions - The Company has a Financial Advice Provider (FAP) licence (FSP1003386) - For the purposes of section 431F(1)(b)(iii) of the Financial Markets Conduct Act 2013 (FMC Act), Sage Wealth Management Limited is authorised to engage one or more financial advisers through Tōtara Wealth Management Limited (FSP561546) to provide regulated financial advice to retail clients on Sage Wealth Management Limited's behalf, provided that Tōtara Wealth Management Limited is: - authorised by a licence to provide a financial advice service (either as licensee or an authorised body); and - registered under the Financial Service Providers (Registration and Dispute Resolution) Act 2008 for providing a financial advice service. --- ### Nature and Scope of Advice - The Company, through its Financial Advisers, provides investment planning services and financial advice on financial products. - The Company's Financial Advisers are qualified and experienced to advise clients on a wide range of financial products including: - NZ bank and building society term deposits and cash; - listed NZ and global bonds and shares; - debt securities and other fixed income investments; and - third party managed funds (passive and active, listed and unlisted). - The Company is part of the wider financial services group comprising Amplifi Group Limited and its subsidiaries ('Amplifi Group'). However, the Company is under no obligation to recommend products issued by the entities within the Amplifi Group and is free to advise clients without product bias. - The Company can also provide specialised financial advice on UK Pension Transfers. - The Company can also assist clients with Investor Migrant portfolio creation and management. - We do not advise on insurance or mortgage products, nor do we provide tax or legal advice, but we can refer you to a specialist dealing with these areas. --- ### Fees, Expenses or other Amounts Payable - The Company's fee structure is straightforward and transparent. - The Company charges for ongoing advice and portfolio management only. All other costs (including independent custody, broking and foreign exchange transactions) are passed through to the client at cost with no margin taken by the Company. - The Company's charges for ongoing monitoring and investment advice are payable based on a percentage of the client's portfolio valuation (accrued on a daily basis and deducted on a monthly basis from the client's portfolio cash account – this is done by the independent custodian). These charges are clearly disclosed before establishing a portfolio and can be tax deductible. These charges cover the following activities: - Ongoing investment and financial planning advice - Regular reporting and client meetings - All contact with a financial adviser - Market updates, reports, seminars, etc. - Charges for independent custody, administration, asset safe keeping and transaction processing provided by MMC Limited (formerly Aegis) or a company related to MMC are deducted by the independent custodian directly from the client's portfolio cash account on a monthly basis. - From time to time there could be other charges applicable e.g. brokerage on the sale and purchase of securities, third party fund manager fees, foreign exchange margins, etc. These charges are clearly disclosed when advice is given. --- ### Conflicts of Interest, including Commissions or other Incentives A conflict of interest means a financial or any other interest, relationship or other association of the Company (or its Financial Advisers, directors or any other person connected with the advice) that would, or could reasonably be expected to materially influence our advice, including our choice of investments to buy or sell on your behalf. Sage Wealth Management Limited & Tōtara Wealth Management Limited are part of the Amplifi Group. Mint Asset Management Limited is a fund manager which is also part of the Amplifi Group and this may give rise to a conflict of interest. Some employees within the Amplifi Group may also be shareholders in Amplifi Group Limited. The value of their shareholding is related to the business success of the Amplifi Group, including Mint Asset Management Limited. Any Financial Advisers who are, or are associated with, shareholders in Amplifi Group Limited could potentially receive a benefit from clients who invest in products offered by entities within the Amplifi Group, including Mint Asset Management Limited. This may therefore give rise to a conflict of interest. However, neither the Company, nor the Financial Advisers are under any obligation to recommend products issued by Mint Asset Management Limited or other entities within the Amplifi Group, and we do not receive any commissions, fees or other incentives for recommending products issued by Mint Asset Management Limited or other entities within the Amplifi Group. To ensure we manage conflicts of interest and prioritise your interests above our own we take the following actions: - disclose any conflicts so that you can make an informed decision; - follow the Company's policies and procedures for managing conflicts of interest, including a Conflicts of Interest Policy, a Gifts and Entertainment Policy, a Personal Investments Policy and an Outside Business Activities Policy; and - undertake training about how to manage conflicts of interest and prioritise clients' interests. Conflicts, and the way they are managed, are disclosed to you so that you can make your own decision as to whether you want to proceed with our advice recommendations. The Company does not retain any investment commissions, rebates or trail payments from any external fund providers. If the Company receives any investment commissions, rebates or trail payments from any external fund providers in respect of your investment, the Company would pass these amounts on to you. --- ### Complaints Procedure and Dispute Resolution The Company has an internal complaints programme aimed to resolve any issue quickly, fairly and effectively. You may make complaints verbally or in writing, including by email. Complaints may be made to the Company's Compliance Officer using the contact details below: > Sage Wealth Management Limited > Level 29, 151 Queen Street, Auckland, 1010, New Zealand > PO Box 91649, Victoria Street West, Auckland 1142 > Email: info@mintasset.co.nz All complaints will be addressed by the Company's Compliance Officer who will act in good faith in dealing with the complaint. We will keep you updated on our progress and contact you to discuss the outcome following our investigation. If a complaint cannot be resolved to your satisfaction via our internal complaints process, you may choose to contact a free, independent, dispute resolution service to help investigate or resolve the complaint. Our dispute resolution scheme provider is the **Insurance & Financial Services Ombudsman Scheme ('IFSO')**. You can make a complaint to IFSO using the details below: > **PO Box 10-845, Wellington 6143** > **Level 2, Solnet House, 70 The Terrace, Wellington** > **Telephone:** 04 499 7612 > **Freephone:** 0800 888 202 > **Email:** info@ifso.nz > **Website:** www.ifso.nz --- ### Duties Information The Company and anyone who gives financial advice on its behalf are subject to duties under the Financial Markets Conduct Act 2013 relating to the way we give advice. We are required to: - Give priority to your interests by taking all reasonable steps to make sure our financial advice isn't materially influenced by our own interests - Exercise care, diligence and skill in providing you with financial advice - Meet applicable standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services - Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services --- ### Ownership Disclosure Sage Wealth Management Limited and Tōtara Wealth Management Limited are part of the **Amplifi Group** (Amplifi Group Limited and its subsidiaries). Mint Asset Management Limited is also part of the Amplifi Group. --- ## https://financeadvisers.co.nz/api/provider/FSP1003670/disclosure.md > _Markdown transcription of R K Mortgages Limited's Public Disclosure Statement, version 2026-05-18. Source: http://skfinance.co.nz/Attachments/skm-disclosure-24.pdf._ --- # Sandeep Khanna Mortgages Ltd Provider Disclosure Statement ## Disclosure Here is some general information about our business to help you decide if you want to seek our advice. **Company Name:** Sandeep Khanna Mortgages Ltd **FSP Number:** 747271 **Phone Number:** 021 208 3152 **Email:** sandeep@skfinance.co.nz ## Licensing information We operate as a Financial Advice Provider under a current licence issued by the Financial Markets Authority in the name of NZ Financial Services Group Limited (FSP286965) There are no conditions attached to this licence on the advice that may be given. ## Our advice and Product Providers We provide advice to our clients about products. ## Commission On settlement of a loan, we usually receive commission from the applicable product provider. The commission is generally of an upfront nature but may also include a renewal or trail commission. We also receive a fixed rate rollover fee from some product providers if we assist in refinancing your loan. This commission is used to remunerate the financial adviser that provides the advice, and to pay the expenses associated with running our business including any rent, staff costs and IT resources. From this commission, we also pay NZ Financial Services Group Limited for services they provide to us in connection with our authorisation under their licence from the Financial Markets Authority. We take steps to ensure that the receipt of commissions does not influence the advice we give to you and that our advisers prioritise your interests by recommending the best product for your purpose regardless of the type and amount of commission we or they may receive. We do this by: - Ensuring our advisers follow an advice process that ensures they understand your needs and goals and that their recommendations on insurance cover meet those needs and goals. - Ensuring our advisers receive regular training on how to manage conflicts of interest. - Providing you with a schedule showing commission amounts and types by product provider. This schedule is contained within each Financial Adviser's personalised Disclosure Guide. A Financial Adviser will provide you with more information about commissions during the advice process. ## Fees and Expenses Generally, we don't charge you any fee for the advice and transactional solutions that we provide to you. This is possible because, on settlement of a mortgage, we usually receive commission from the applicable product provider as described above. There are two exceptions to this general position which are explained below. We may charge you a one-off fee in the following situations: **(a) No commission:** If you request that we provide services in relation to a product or service and we do not receive a commission. Any such fee would be agreed and authorised by you in writing before we complete the services, and would be based on an estimate of the time spent providing the advice. This may arise in the rare event that you request that we provide Services in relation to either a product that is offered by a provider that we do not hold an accreditation with, or a product that is outside our usual arrangements with our product providers. **(b) Repayment of commission:** If a product or service provider requires that we repay commission within 28 months of settlement of your mortgage. Any such fee would be no more than $3,000 (plus GST) if applicable and would be calculated based on a rate of $250 (plus GST - if applicable) per hour of the financial adviser's time spent providing services to you in connection with the applicable mortgage or insurance. The fee charged will not exceed the amount of commission clawed back from the lender. Should we need to charge you a fee, you will be invoiced and will be given 30 days to make payment. ## Conflicts of Interest If there are any conflicts of interest apart from commission that could potentially influence the advice that we give, these will be shown in your Financial Adviser's Disclosure Guide ## Complaints If you have a complaint about our service you need to tell us about it. You can contact our internal complaints service by phoning us on 021 208 3152 or emailing us at sandeep@skfinance.co.nz with the heading Complaint - (Your Name). Please set out the nature of your complaint and the resolution you are seeking. We will acknowledge receipt of this within 24 hours. We will then record your complaint in our Complaints Register and notify our Licence Holder. We may want to meet with you to better understand your issues. We will then investigate your complaint and provide a response to you within 7 working days of receiving your complaint. If we need more time to investigate your complaint, we'll let you know. If we cannot agree on a resolution you can refer your complaint to our external dispute resolution service. This service is independent and will cost you nothing and will assist us to resolve things with you. Details of this service are: **Financial Services Complaints Limited** **Phone:** 0800 347 257 **Email:** complaints@fscl.org.nz ## Our Duties Anyone within our business giving advice is bound by and supports the duties set out in the Financial Markets Conduct Act 2013. These duties are: - Meet the standards of competence, knowledge, and skill and the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Providers. - Give priority to your interests. - Exercise care, diligence, and skill --- ## https://financeadvisers.co.nz/api/provider/FSP1003885/disclosure.md > _Markdown transcription of Mortgage Bliss Limited's Public Disclosure Statement, version 2026-05-24. Source: https://mortgagebliss.co.nz/disclosure/._ --- # Important information about our business **Mortgage BLISS Limited** is a Licensed Financial Advice Provider issued by the FMA to provide financial advice services. Financial Services Provider Number is **FSP1003885**. --- ## Our office contact details **Address:** 31 Shaw Road RD1 Whakatane **Email:** info@mortgagebliss.co.nz **Website:** [www.mortgagebliss.co.nz](http://www.mortgagebliss.co.nz) --- ## Nature and Scope of Financial Advice Services ### Our Services Residential Property Lending ### Products we can provide financial advice about - First home buyers and home loans - Investment Property - New build and renovations - Business Loans - Property Development loans - Asset loans --- ## Our Fees The actual fee charged to you will depend on the nature and scope of the advice or service we provide. We will discuss and agree the actual fees with you before we proceed and explain how they are payable. --- ## Other Costs Where other costs are incurred in the process of providing our advice and services to you, you will be liable for these costs. However, we will agree all additional costs with you prior to incurring them. In the event that you repay or refinance your new loan within a period of 28 months and we are required to repay the commission to the lender, the fee we will charge will be the amount required by the lender and will be based on the length of time that you have had the loan. This means that the closer to the 28th month anniversary of the loan the lower the fee that will be required to be paid back to the lender. --- ## Commissions Mortgage BLISS Advisors are paid salaries not commission; our priority is to suit the lending product to your needs. We don't refer to a particular lender. Most providers pay a commission which is calculated as a percentage of the loan amount, which varies between providers. A few providers also pay a trailing commission over the life of the loan. --- ## Conflicts of Interest or Other Incentives We are here for our clients and to advise you as best we can. Your interests are our priority although we do have business relationships with product providers also. Mortgage BLISS Ltd receives commissions from the banks and lenders when your loan settles. We also receive referral fees from a few of our referral partners if you purchase a product from them. --- ## How We Manage Any Conflicts of Interest To ensure our advisors 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 advisors undergo annual training about how to manage conflicts of interest. - We maintain a register of conflicts of interests and the gifts and incentives we receive. These registers are monitored regularly, and additional training is provided as required. - We undertake an annual independent Compliance Assurance Review. --- ## Our Duties and Obligations to You We are bound by the duties of the Financial Markets Conduct Act (431I, 431K, 431L and 431M) to: - Meet the standards of competence, knowledge and skill set out in the Code of Conduct - Give priority to the clients' interest - Exercise care, diligence and skill - Meet the standards of ethical behavior, conduct, and client care set out in the Code of Conduct --- ## Our Internal Complaints Process If you have a problem, concern or complaint about any part of our advice or service, please tell us so that we can try to fix the problem. **Our internal complaints handling process is as follows:** 1. Acknowledge your complaint with your Advisor. 2. If you are not able to resolve your complaint by step 1 with your Advisor, email [info@mortgagebliss.co.nz](mailto:info@mortgagebliss.co.nz) and our complaints manager **Vanesch Gordon** will contact you within 2 business days. We may need further information about your complaint. Our aim is to resolve the complaint within 10 working days but will contact you if we require more time to consider the complaint. 3. If your complaint cannot be resolved through our internal complaints process as per step 1 and step 2, we encourage you to refer to our independent dispute resolution scheme — Financial Services Complaints Limited. --- ## Our External Complaints Process If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact our external disputes resolution scheme — **Financial Services Complaints Ltd**. This service will cost you nothing, and will help us resolve any complaints. **You can contact Financial Services Complaints Limited at:** **Address:** PO Box 5967, Wellington 6145 **Phone:** 0800 347 257 **Email:** [complaints@fscl.org.nz](mailto:complaints@fscl.org.nz) --- ## https://financeadvisers.co.nz/api/provider/FSP1003910/disclosure.md > _Markdown transcription of Quantum Finance Auckland Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.quantumgroup.nz/important-information._ --- # Important Information — Quantum Finance ## Our Business Details The Quantum Group of services includes the following entities, Financial Advice Providers, and services: **Quantum Finance Limited** is a Licensed Financial Advice Provider approved by the FMA to provide Financial Advice services. **Financial Services Provider (FSP) number 751471.** The special condition on our Licence notes that we have five Authorised Bodies as detailed below. 1. **Quantum Finance NZ Limited (FSP 748272)** 2. **Quantum Risk Limited (FSP 558167)** 3. **Quantum Finance Auckland Limited (FSP 1003910)** 4. **Amor Insurance Services Limited (FSP 769091)** 5. **Quantum Asset Finance Limited (FSP 1005650)** --- ## Our Office Contact Details - **Email:** info@quantumgroup.nz - **Phone:** 0800 BROKER (0800 276 537) - **Address:** B2/99 Greenwood Street, Frankton, Hamilton 3204 - **Web:** www.quantumgroup.nz --- ## Our Services - Home Loans, Investment Property Finance, and KiwiSaver - Business Finance - Life & Health Insurance - Vehicle, Asset, Machinery & Equipment Finance --- ## Products We Can Advise On - Mortgage lending (Personal & Business) - Term life, Disability Income, Health Insurance, Family Income, Trauma, Total and Permanent Disability (TPD), Accidental Death, Mortgage Protection - Asset Finance (Personal & Business) - Fixed Rate Reviews - KiwiSaver --- ## Product Providers We May Recommend ### Lending - AIA - ANZ - ASAP - ASB - Avanti Finance - Basecorp - BNZ - CFML - Co-operative Bank - Cressida - DBR - FMT - Heartland - Kiwibank - Liberty - NZCU - Peppermoney - Prospa - Resimac - SBS - Select - Southern Cross - TSB - UDC - Westpac ### Insurance - Accuro - AIA - AMP - Asteron Life - Chubb Life - Fidelity Life - NIB - Partners Life ### KiwiSaver - Booster - Generate - Koura - Milford Asset Management - NZ Funds --- ## Fees & Expenses Generally, Quantum Finance doesn't charge fees or expenses of any kind for the financial advice provided to our clients. This is possible because on settlement of a loan, issuing of a policy, or KiwiSaver account under management, we usually receive commission from the lender or provider. But, there are exceptions (explained below) and your adviser will let you know if any of these will apply to you. 1. **PRORATED:** a fee that is assessed to reflect an amount of time that is less than the full term included in your initial agreement. 2. **CLAWBACK OF COMMISSION:** if you choose to repay or refinance your home loan within 28 months of settlement, your lender will "clawback" the original commission payment from Quantum, according to their clawback rules. A "prorated" clawback fee will then be charged to your adviser. Your adviser may then on-charge you. Further details are available in the Adviser's **Nature & Scope of Service document**. --- ## Other Costs Where other costs are incurred in the process of providing our advice and services to you, you will be liable for these costs. However, we will agree all additional costs with you prior to incurring them. --- ## Conflicts of Interest We're here for our clients and to advise you as best we can. Your interests remain our priority although we do have business relationships with product providers also. From time to time our product providers assist us with funding so we can bring our advisers together for conferences and professional development training. Quantum Finance and our financial advisers receive commissions from the providers, insurers, and lenders we recommend to you. If you decide to act on our insurance, finance or KiwiSaver advice, Quantum Finance will receive a commission that will be shared with your adviser. That commission amount is based on your insurance premium, loan amount, or KiwiSaver balance. **Ongoing Trail Commission:** a percentage of the value of the outstanding loan amount or premiums, usually calculated at the end of each month in which you hold the loan, or on renewal of insurance products. To ensure that our Financial Advisers prioritise your interests above their own, we operate a comprehensive and robust framework of policies and procedures, and follow an advice process that ensures our recommendations are made based on your goals and circumstances. Our Financial Advisers undergo regular audit reviews and receive training about our policies and procedures, including managing conflicts of interest. --- ## What Should You Do If Something Goes Wrong? If you have a problem, concern, or complaint about any part of our service, please tell us so we can try to fix the problem. You're also welcome to contact our internal disputes service by: - **Phone:** 0800 BROKER (276 537) - **Email:** info@quantumgroup.nz - **Post:** PO Box 5301, Frankton, Hamilton, 3242 If we can't agree on how to resolve the issue, you can contact **Financial Services Complaints Ltd (FSCL)**. This service will cost you nothing and will help us resolve any disagreements. - **Email:** complaints@fscl.org.nz - **Website:** [www.fscl.org.nz](https://www.fscl.org.nz) - **Phone:** 0800 347 257 - **Post:** Financial Services Complaints Ltd, PO Box 5967, Lambton Quay, Wellington, 6145 --- ## Duties Information We are bound by the duties of the Financial Markets Conduct Act to meet the standards of competence, knowledge and skill as set out in the Code of Conduct for Financial Advice Providers. We give priority to our clients' interest and we exercise care, diligence and skill. We meet the standards of ethical behaviour, conduct and client care as set out in the Code of Conduct. --- *Note: The disclosure references an individual adviser's **Nature & Scope of Service document** which contains further details on clawback fees and the scope of advice. This sub-document is not reproduced here.* --- ## https://financeadvisers.co.nz/api/provider/FSP1004126/disclosure.md > _Markdown transcription of Blanket Advice Limited's Public Disclosure Statement, version 2026-05-24. Source: https://blanket.co.nz/blanket-advice-limited-disclosure/._ --- # Blanket Advice Limited Disclosure ## About Blanket Advice Limited Blanket Advice Limited (FSP1004126) is a Financial Advice Provider that holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice services. You can find us listed on the Financial Service Providers Register at fsp-register.companiesoffice.govt.nz. The conditions of our licence allow us to provide the following financial advice services: - General Insurance --- ## Fire & General Insurance Blanket Advice Limited works with you to determine what risks you wish to cover and provide quotes based on the levels of cover you wish to put in place. We will work with you to determine whether there are any particular risks you have that need to be specified during the application process. --- ## Providers We Work With Blanket Advice Limited works with the following general insurance providers: - 360 Underwriting Solutions - AG Guard - Agile Underwriting Services Pty Ltd - AIG Insurance New Zealand Limited - Allianz - Ando Insurance - Austinsure - Bizcover - CamperCare Insurance - Certain underwriters - Chubb Insurance New Zealand Limited - Classic Cover - Concordia Underwriting Agency - Covermore Travel Insurance - Delta Insurance New Zealand - Dual New Zealand Limited - Emergence NZ Limited - EventCover Insurance - Insurance Facilitators Pty Ltd - Insurance Underwriters (NZ) Limited (IUNZ) - Market Lane Insurance Group (NZ) Ltd - MECON Insurance Ltd - Nautical Insurance Limited - NM Insurance - NZI, a division of IAG New Zealand Limited - NZI/Lumley, business divisions of IAG New Zealand Limited - Protecsure Pty Ltd - QBE Insurance (Australia) Limited - Rosser Underwriting - SPUA – Southern Pacific Underwriting Agency Limited - Star Insure - Swann Insurance - TAI - TLC Insurance - UANZ - Vero Insurance New Zealand Limited - Vero Liability Insurance Limited - Vero Marine - Zurich Insurance Australian Limited --- ## How We Are Paid Blanket Advice Limited may be paid through a combination of Brokerage ([Commission](https://blanket.co.nz/app/uploads/2026/05/Blanket-Commission.pdf) paid by the provider), Broker fees and Administration fees (paid through your policy charge). --- ## How We Manage Conflicts of Interest and Put Your Interest First **We always put your interests first:** - We follow a documented process that puts our clients needs at the heart of the advice process. - We identify and disclose the maximum level of commission or fees we may get on the back of our recommendation. - If our recommendation involves replacing cover, we will provide a comparison of covers and explain what the recommended provider offers that your existing cover does not. We will also let you know if there is anything your existing provider covers that the recommended provider will not in the form of a research report. - Blanket Advice Limited completes internal and external reviews of our advice process to ensure we follow a thorough review process that puts client interest first. --- ## Our Duties Under the Financial Markets Conduct Act 2013, it is the duty of Blanket Advice Limited and our advisers to: - Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and - Give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and - Exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. --- ## Use of Personal Information **Blanket Advice Limited** (FSP1004126) collects, stores, uses, and discloses your personal information in accordance with the **Privacy Act 2020.** ### What We Collect and Why To provide financial advice and manage your insurance, we may collect and use the following types of information: - **Contact and Identity Information:** This includes your name, phone number, email address, residential address, date of birth, and identification details such as your passport or driver's licence. - **Insurance and Financial Information:** This may include your employment details, health information, claims history, criminal record, and billing or payment details. ### Purpose of Collection We collect this information to assess your eligibility for insurance and financial products, administer and manage policies, process payments and claims, and comply with legal, regulatory, and audit requirements. ### How We Collect Information We collect personal information either directly from you or indirectly through third parties, including: - Insurers, reinsurers, referral partners, and premium funders - Your employer, financial advisers, or credit reporting agencies - Publicly available sources and other parties you have authorised to share your information ### Who We Share It With We may disclose your information to insurers, assessors, co-insureds, technology service providers (such as CRM and secure cloud storage platforms), lawyers, and regulators. We will retain your personal information for as long as necessary to provide you with Financial Services and to comply with our legal obligations (typically 7 years after our business relationship ends). Your information may be stored in secure cloud-based facilities which may be located outside of New Zealand. Your information will not be provided to any party outside of this authorisation without your consent. ### Your Obligations - You must have express authorisation before providing us with someone else's personal information. - Please notify us immediately of any changes to your information. - The collection of this information is voluntary; however, if you choose not to provide it, we may be unable to process your application or provide the requested services. --- ## What If Something Goes Wrong We value the ability of our clients to provide feedback about the service they have received as well as the opportunity to put it right when they are unhappy with any aspect of our service. If you would like to raise concerns about the service you have received, we have an internal complaint process that we will follow when we receive your formal complaint. ### Our Internal Process Involves - Requesting your complaint in writing - Acknowledging the receipt of your complaint within 2 working days of receiving it - Investigating your concerns by speaking with all the involved parties and reviewing all the documentation we hold on file - Providing a formal written response within 28 days of acknowledging your concerns To make a complaint, please email: [cover@blanket.co.nz](mailto:cover@blanket.co.nz) ### Dispute Resolution Scheme If you are unsatisfied with the outcome of our internal complaints process, you are able to escalate it to our dispute resolution scheme: | | | |---|---| | **Scheme:** | Financial Dispute Resolution Service | | **Address:** | Freepost 231075, PO Box 2272, Wellington 6140 | | **Telephone number:** | [0800 337 337](tel:0800337337) | | **Email address:** | [enquiries@fdrs.org.nz](mailto:enquiries@fdrs.org.nz) | They are an independent dispute resolution service provider that helps resolve complaints about financial service providers, free of charge. --- ## Termination of Services You or we may terminate the provision of services by us to you upon 30 days written notice. In this event, we will instruct the insurers to deal directly with you from the effective date unless you and we agree otherwise, and any outstanding claims will be transferred to you to manage from the termination date, unless agreed otherwise. Termination will not oblige us to rebate to you any part of the service fee, admin fee, or brokerage paid to us by any insurer under any circumstance. Termination of the provision of services by us to you will not terminate: - Our privacy obligations to you - Provisions relating to confidentiality - Limitations of our liability We reserve the right to make amendments to these terms of business that are required to reflect a change of applicable law or regulation. --- *Note: This disclosure references a linked sub-document — [Blanket Commission schedule (PDF)](https://blanket.co.nz/app/uploads/2026/05/Blanket-Commission.pdf) — detailing commission rates paid by providers.* --- ## https://financeadvisers.co.nz/api/provider/FSP1004173/disclosure.md > _Markdown transcription of The Capital Finance Limited's Public Disclosure Statement, version 2026-05-24. Source: https://capitalfinance.nz/disclosure/._ --- # Disclosure & Transparency — Capital Finance > Capital Finance is a Financial Advice Provider operating under a license issued by the Financial Markets Authority. > **FSP Number:** FSP 1003833 > No conditions are imposed on the license concerning the advice that may be provided. --- ## Our Licences Capital Finance is a Financial Advice Provider operating under a licence issued by the Financial Markets Authority. Our name in relation to the licence is **Capital Finance (FSP: 1003833)**. No conditions are imposed on the licence concerning the advice that may be provided. --- ## Advice About Our Products Our business provides advice to our clients about **home loan products**. The advice we offer is limited to the products from the following providers: - ASB - Westpac - ANZ - BNZ - Co-operative Bank - Pepper Money - Resimac - Bluestone - Asap Finance - Avanti - Basecorp - Cressida Capital - DBR - First Mortgage Trust - Funding Partners CFML - Heartland Bank - Reverse Mortgages - Unity - Plus Finance - Prospa - Southern Cross Partners - Heartland Bank --- ## Commission Rates When a loan is settled, we typically earn a commission from the relevant product provider. This commission may be upfront or include a renewal or trail commission. Additionally, if we assist in refinancing your loan, we may receive a fixed-rate rollover fee from certain product providers. We use this commission to compensate the financial adviser who provides the advice and to cover the expenses of running our business, such as rent, staff costs, and IT resources. We also pay Capital Finance for the services they provide in connection with our authorisation under their licence from the Financial Markets Authority. To ensure that the receipt of commissions does not affect our advice, we prioritise your interests and recommend the best product for your needs, regardless of the commission type or amount. We achieve this by: - Ensuring our advisers follow an advice process that considers your needs and goals and that their recommendations meet them. - Providing regular training to our advisers on managing conflicts of interest. - Supplying you with a schedule showing commission amounts and types by product provider. This schedule is included in each Financial Adviser's personalised Disclosure Guide. Your Financial Adviser can provide more information about commissions during the advice process. --- ## Fees for Our Services Typically, we do **not** charge a fee for the advice and transactional solutions we provide. This is because we receive a commission from the relevant product provider upon settlement of a mortgage, as explained above. However, there are two exceptions to this general policy: We may charge a one-time fee in the following situations: **(a) No commission:** If you request services related to a product or service for which we do not receive a commission, we would provide you with a written estimate of the time required to provide the advice, and any fee would be agreed upon and authorised by you in writing before we proceed. This situation could occur if you request our services for a product offered by a provider with whom we are not accredited or for a product outside our usual arrangements with our product providers. **(b) Repayment of commission:** If a product or service provider requires us to repay the commission within **27 months** of settlement of your mortgage or issuance of your risk insurance policy, any fee we charge would: | Fee Parameter | Amount | |---|---| | Maximum fee | $2,500 (plus GST) | | Hourly rate | $250 (plus GST) per hour of the financial adviser's time | | Cap | Fee charged will not exceed the commission clawed back from the lender | If we need to charge a fee, we will invoice you and provide you with **30 days** to make payment. --- ## Conflicts of Interest Any conflicts of interest that may arise separately from the commission we collect that could influence our advice are disclosed in your Financial Adviser's **Disclosure Guide**. --- ## Submitting a Complaint Complaints about our service are welcomed. Please submit any issues regarding Capital Finance by: - **Phone:** [0800 626 685](tel:0800626685) - **Email:** [loans@capitalfinance.nz](mailto:loans@capitalfinance.nz) — use the subject heading **'Complaint'** Please describe your complaint in detail and propose a resolution. **Our complaints process:** 1. Within **24 hours** — we will acknowledge receipt of the email, document your official complaint in our register, and notify our Licence Holder. 2. We may request an in-person meeting to better understand your issue. 3. Within **7 days** of receiving your complaint — we will respond outlining our investigation (unless an in-person meeting has been requested). 4. If we need more time to investigate, we will notify you within 7 days of receiving the complaint. --- ## Service Details **Capital Finance Limited** **Phone:** [0800 626 685](tel:0800626685) **Email:** [loans@capitalfinance.nz](mailto:loans@capitalfinance.nz) --- ## Financial Markets Conduct Act 2013 All individuals providing advice within our organisation must adhere to and uphold the duties established in the **Financial Markets Conduct Act 2013**. These duties include: - Meeting the prescribed standards of competence, knowledge, and skill, as well as ethical behaviour, conduct, and client care outlined in the **Code of Professional Conduct for Financial Advice Providers**. - Prioritising your needs. - Exercising competence, precision, and expertise. --- *Note: The disclosure references each Financial Adviser's personalised **Disclosure Guide**, which contains additional detail on commission schedules and individual conflicts of interest. This sub-document is provided by your Financial Adviser during the advice process.* --- ## https://financeadvisers.co.nz/api/provider/FSP1004534/disclosure.md > _Markdown transcription of Parachute Advisory Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.parachute-insurance.co.nz/disclosure._ --- # Disclosure Statement **Parachute Advisory Limited FSP1004534** trading as Parachute Advisory Ltd is a Financial Advice Provider licensed and regulated by the Financial Markets Authority to provide financial advice. We are operating under a Class 2 Financial Advice Provider Licence, issued by the Financial Markets Authority (FMA) on the 19th of December 2022. --- ## Nature and Scope of the Advice Parachute Advisory Ltd provides advice to clients about life, health, and disability insurances to retail clients. We provide advice on AIA and Asteron Life products. --- ## Advice Fees Parachute Advisory Ltd and our advisers generally don't charge clients fees for the financial advice we provide. However, if you commission us to advise you and purchase a policy from an accredited provider through us and then cancel or break the insurance contract within 24 months, we will charge a one-off fee for our services. This is because the providers require for our commission to be re-paid. We will only charge you for the time it has taken us to provide our services to you. We charge **$200 per hour (plus GST)** and spend generally approximately 6–10 hours working on setting an insurance policy up for our clients. We only ever charge clients who cancel or break the insurance contract within 24 months up to the number of hours spent, not exceeding the total amount of commission loss to us, and up to a **maximum of $2,000**. We would enforce this where the client cancels a cover and replaces this with cover through another adviser. We retain the right to waive this fee at our sole discretion, where you have sought our advice to retain, alter or cancel your policy, but due to financial hardship cancellation is the only viable option. --- ## Insurance Premiums You will need to pay insurance premiums to your insurance provider, payable weekly, fortnightly, or monthly. The amount will be based on several factors, including the type of insurance, the extent of the coverage, pre-existing medical conditions, your age, and the length of time it covers plus the amount of your excess. --- ## Companies We Use We are by no means restricted to these, but we hold agency agreements with **AIA**, **Asteron Life** & **NIB** as they are the insurers we tend to use. We offer advice on the following types of insurance: life, accident, trauma, income protection, health as well as group insurance benefits for companies. --- ## Advice Commissions We receive a commission from insurance providers through which we place business. The insurers typically pay up to **230% of the first year's premium** payable by a client as brokerage to the Financial Advice Provider. We will then receive a **servicing commission of up to 10% of the annual premium** for the life of the policy. --- ## Disciplinary History We have had no professional indemnity insurance or negligence claims, disputes resolution actions, or disciplinary actions. --- ## Best Client Outcome To ensure our advisers prioritise our clients' interests: - We follow an advice process that ensures our recommendations are made appropriately, based on clients' goals and circumstances. - All our 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. These registers are monitored regularly, and additional training is provided as required. - We undertake an annual independent Compliance Assurance Review by Strategi. --- ## Complaints and Dispute Resolution If you are not satisfied with our service or financial advice, please tell us as soon as possible. **Call:** 021 064 24 38 **Email:** office@parachute-insurance.co.nz **Write to:** Parachute Advisory Ltd, 12 Virginia Lane, Christchurch 8081 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 immediately, we will acknowledge your complaint within 2 business days. We may contact you to get further information about your complaint. - We aim to resolve complaints within 10 working days of receiving them. If we need more time to investigate your complaint, we will let you know when you can expect to receive a response to your complaint. - 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 cannot agree on how to fix the issue, or if you decide not to use our internal complaints process, you can contact our external disputes resolution scheme, the **Financial Dispute Resolution Service**. The Financial Dispute Resolution Service provides a free and independent dispute resolution service that may help to resolve your complaint if we haven't been able to do so to your satisfaction. Please contact us first. **Financial Dispute Resolution Service contact details:** **Website:** https://www.fdrs.org.nz **Call:** 0508 337 337 **Email:** enquiries@fdrs.org.nz **Write to:** Freepost 231075, PO Box 2272, Wellington 6140 --- ## Our Duties Parachute Advisory Ltd and our advisers 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 - Exercise care, diligence, and skill - Meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services - Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services --- ## Contact Details **Parachute Advisory Ltd FSP1004534** is the Financial Advice Provider. **Call:** 021 064 24 38 **Email:** office@parachute-insurance.co.nz **Write to:** Parachute Advisory Ltd, 12 Virginia Lane, Christchurch 8081 **Website:** www.parachute-insurance.co.nz/disclosure --- *A downloadable PDF version of this Disclosure Statement is available at:* [Disclosure Statement – Parachute Advisory Ltd – Website Disclosure – Version 3 (PDF)](https://cdn.prod.website-files.com/668cf60104b49440b68cb5f5/67186d8f303c00ac1c842712_Disclosure%20Statement%20-%20Parachute%20Advisory%20Ltd%20-%20Website%20Disclosure%20-%20Version%203%20(002).pdf) --- ## https://financeadvisers.co.nz/api/provider/FSP1004651/disclosure.md > _Markdown transcription of Link Advisory Services Limited's Public Disclosure Statement, version 2026-05-24. Source: https://insurancelink.co.nz/find-an-adviser/insurance-link-cromwell/._ --- # Insurance Link Cromwell — Public Disclosure ## Overview **Insurance Link Cromwell** We care. We listen. We act. Looking for an Insurance Adviser in Central Otago? We offer one on one expert insurance advice and will help you figure out the Insurance you need. --- ## Services Offered - Personal Insurance - Business Insurance --- ## Contact Details | | | |---|---| | **Mobile** | 027 626 9047 | | **Email** | alisha.clark@mortgagelink.co.nz | | **Address** | 32 McNulty Road, Cromwell 9310 | --- ## Our Team **Alisha Clark** - Email: alisha.clark@mortgagelink.co.nz - Mobile: 027 626 9047 --- ## Publicly Available Disclosure Full public disclosure information is available at the link below. --- *Note: The full Publicly Available Disclosure Statement for Insurance Link Cromwell is hosted as a sub-document on the Mortgage Link website. See: [https://mortgagelink.co.nz/find-an-adviser/mortgage-link-cromwell/cromwell-publicly-available-disclosure](https://mortgagelink.co.nz/find-an-adviser/mortgage-link-cromwell/cromwell-publicly-available-disclosure)* > **This page does not itself contain the full FAP disclosure content** (fee tables, commission disclosures, conflicts of interest, complaints data, dispute resolution scheme details, professional indemnity insurer, product panel/provider lists, or ownership disclosure). Those details are contained in the linked sub-document above. --- ## https://financeadvisers.co.nz/api/provider/FSP1004697/disclosure.md > _Markdown transcription of Bsi Brokers Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.bsibrokers.co.nz/disclosure-statement/._ --- # Disclosure Statement **BSI Brokers Limited** This document sets out the information that our business is required to make publicly available in accordance with the Financial Markets Conduct Regulations 2014. It is designed to help you decide whether you want to seek our advice. The following information provides an overview of BSI Brokers Limited, including our duties to you, applicable fees, and how we manage complaints. --- ## Licence Status and Conditions BSI Brokers Limited (FSP1004697), trading as BSI Insurance Brokers, holds a financial advice provider's licence issued by the Financial Markets Authority. --- ## Nature and Scope of Advice BSI Brokers Limited provides advice on: - General Insurance - Life and Health Insurance - Personal Risk Insurance - Mortgage Lending The specific products individual financial advisers can advise on may vary. Our advisers will disclose the nature and scope of their advice at the time it is provided. --- ## Fees, Expenses, and Other Payable Amounts ### General Insurance - We may charge a **service fee** (plus GST), either in lieu of or in addition to any commission received from insurers. The fee depends on the nature and scope of advice, the time required, and ongoing service levels. - **Documentation fees** (plus GST) may apply for policy modifications during the policy period. - Any fees and payment due dates will be disclosed at the earliest possible time. - Insurance Advisernet New Zealand may charge an administration fee for processing insurance premiums. This will be disclosed when financial advice is provided. ### Life and Health Insurance - No direct fee is charged for advice or policy arrangements. Instead, BSI Brokers Limited is remunerated by commissions from insurers. ### Mortgage Lending - Generally, we do not charge fees for mortgage advice, as we receive commissions from product providers upon settlement. - Exceptions where fees may apply: - **No Commission Scenario:** If we do not receive commission, we may charge a pre-agreed service fee. - **Commission Clawback:** If a provider requires repayment of commission within 28 months of settlement, we may charge a fee of up to $3,000 (plus GST) at $250 (plus GST) per adviser hour. This fee will not exceed the clawed-back commission amount. - **Loan Renewal:** No fees are charged for renewing existing loan approvals. - If any fees apply, you will receive an invoice with a 30-day payment term. ### Premium Funding - We can arrange premium funding, allowing you to spread the cost of insurance premiums over multiple instalments. - Interest rates and administrative costs will be disclosed in a separate finance contract in accordance with the **Credit Contracts and Consumer Finance Act 2003**. - We may also recommend service providers (e.g., property valuers, surveyors, motor vehicle valuators). Any fees charged by these providers will be disclosed before work commences. --- ## Conflicts of Interest, Commissions, and Incentives ### Insurance - BSI Brokers Limited receives commissions from insurers when arranging general, life, or health insurance on your behalf. - The commission varies as it is a percentage of the insurance premium charged. ### Mortgage Lending - We receive commissions from lenders based on the loan amount settled. - Additional fees may apply in the following cases: - If we provide services for which no commission is received. - If a lender requires commission repayment within 27 months. - Any applicable fees will be disclosed before being charged. - Additional costs such as valuation reports, legal fees, or early repayment fees will be disclosed in advance. ### Managing Conflicts of Interest - Our priority is to serve your best interests, despite business relationships with product providers. - Product providers may occasionally fund training events for our advisers. - Our advisers receive ongoing training to manage conflicts of interest effectively. - A register of conflicts of interest, gifts, and incentives is maintained and reviewed regularly. --- ## Complaints & Disputes Process We're committed to providing clients with the best possible experience and will make every effort to resolve any issues promptly. If you are not satisfied with the services provided by BSI Brokers Limited or a particular broker, please tell us so we can try and fix the problem. You may contact the internal complaints scheme by contacting our Risk and Compliance Department: - **Phone:** 021 067 7312 - **Email:** Complaints@bsibrokers.co.nz We will formally acknowledge your complaint usually in writing and will endeavour to resolve the issue fairly and in a timely manner. When we receive a complaint, we will handle your complaint in an open and transparent manner and will endeavour to resolve the complaint fairly and within 20 days. If we have not resolved your complaint within 20 days, we will provide you with a written update as to the reasons for the delay, what action is underway to resolve your complaint and advise you of the anticipated timeframe for a response. In handling your complaint, there are several remedies available to us, including but not limited to: - An apology or explanation. - Liaison with product provider to find a mutually agreeable outcome to your complaint. If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact Financial Services Complaints Limited (FSCL). This service will cost you nothing and will help us resolve any disagreement. **Financial Services Complaints Limited (FSCL)** - **Telephone:** 0800 347 257 - **Email:** info@fscl.org.nz - **Address:** PO Box 5967, Lambton Quay, Wellington 6145 --- ## Duties *We believe in delivering the most appropriate advice, built upon our four core business pillars: Trust, Advice, Choice and Value.* *We are bound by duties under the Financial Markets Conduct Act 2013. We are required to:* - Meet certain standards of competence, knowledge and skill, as set by the Code of Professional Conduct for Financial Advice Services (Code of Conduct). These have been designed to ensure that we have the relevant expertise to provide you with advice. - Take reasonable steps to ensure that you understand the nature and scope of the advice we give you and let you know if there are any limitations on the advice we provide. This will help you ensure that the advice provided meets your goals and objectives. - Give priority to your interest, by taking all reasonable steps to make sure our advice isn't materially influenced by our own interests. - Exercise a prudent level of care, diligence and skill. - Meet certain standards of ethical behaviour, conduct and client care as required by the Code of Conduct. These are designed to ensure that we treat you as we should and give you suitable advice. - Not offer or recommend a financial product that contravenes the Act or related regulations. This gives you peace of mind that the products we recommend are compliant with relevant laws. - Make certain disclosure information available to you, at certain times, for example when advice is provided. We must not provide false, misleading or incomplete information. The Code of Professional Conduct for Financial Advice Services is available on request. --- ## Contact Details **BSI Brokers Ltd – FSP1004697** - **Phone:** 021 067 7312 - **Email:** info@bsibrokers.co.nz --- *Document available for download: [Website] Disclosure Statement Version 2 (PDF)* --- > **Linked sub-documents noted on this page:** > - Code of Professional Conduct for Financial Advice Services (PDF): `/wp-content/uploads/2025/02/Code-Of-Professional-Conduct-1.pdf` > - Disclosure Statement PDF download: `/wp-content/uploads/2025/02/【Website】-Disclosure-Statement-Version-2.pdf` --- ## https://financeadvisers.co.nz/api/provider/FSP1005227/disclosure.md > _Markdown transcription of Loan Market Dunedin Limited's Public Disclosure Statement, version 2026-05-24. Source: https://adviser.loanmarket.co.nz/dunedin/._ --- # Publicly Available Disclosure Statement **Loan Market Dunedin Limited trading as Loan Market Dunedin** --- ## Business Details **Trading Name:** Loan Market Dunedin **Legal Entity:** Loan Market Dunedin Limited **Address:** 274 Stuart Street, Dunedin Central, Dunedin 9016, New Zealand **Phone:** 03 471 8825 --- ## Our Team | Name | Role | Phone | Email | |---|---|---|---| | Brian Greer | Director, Mortgage Adviser | 027 471 0108 | brian.greer@loanmarket.co.nz | | Ryan Hannagan | Mortgage Adviser | 021 744 844 | ryan.hannagan@loanmarket.co.nz | | Jacqui McFadgen | Mortgage Adviser | 027 488 0494 | jacqui.mcfadgen@loanmarket.co.nz | | Sally Thomson | Mortgage Adviser | 021 458 866 | sally.thomson@loanmarket.co.nz | | Ben Grant | Mortgage Adviser | 021 455 074 | ben.grant@loanmarket.co.nz | | Gary Beattie | Mortgage Adviser | 021 763 223 | gary.beattie@loanmarket.co.nz | --- ## Scope of Advice Loan Market Dunedin provides mortgage advice services including: - Comparing and negotiating competitive interest rates - Advising on fixing or floating interest rates - Advising on how to minimise interest on home loans - Advising on how to maximise tax benefits on investment loans - Assisting first home buyers and investors in finding the right loan - Advising on the use of KiwiSaver funds to purchase a home - Managing clients' mortgages for the life of the loan, including renegotiating at interest rate renewal --- ## Lender/Provider Panel Access to **over 30 banks and lenders** in one place. --- ## Fees Our service is **free for clients**. ¹ > ¹ Loan Market advisers are generally paid a commission by the lender when a loan is settled. --- ## Conflicts of Interest / Commission Disclosure - Loan Market Dunedin is **not owned by a bank** and works in clients' best interests. - Advisers receive **commissions from banks and lenders** when a loan is settled, rather than charging clients directly. --- ## Publicly Available Disclosure Document The full Publicly Available Disclosure Statement is available as a PDF document: [**Download Publicly Available Disclosure (PDF)**](https://lmg-broker-nz.s3.ap-southeast-2.amazonaws.com/brokers/dunedin/0mztq0j2.wex.pdf) --- ## Notes - ¹ Free for clients — advisers are remunerated by lenders via commission. - ² Access to over 30 banks and lenders is subject to individual adviser accreditations. - ³ Ongoing support provided for the life of the loan, including interest rate renewal renegotiation. --- *Further adviser-level disclosure details (including individual adviser FSP registration numbers, any conditions on their licence, complaints history, and dispute resolution scheme information) are linked via the PDF disclosure document above. Please refer to that document for complete regulatory disclosures.* --- ## https://financeadvisers.co.nz/api/provider/FSP1005234/disclosure.md > _Markdown transcription of The Mortgage Advice Company Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.mortgageadvicecompany.nz/about/public-disclosure._ --- # The Mortgage Advice Company — Publicly Available Disclosure As financial advice providers, these disclosure obligations aim to improve transparency and to ensure you are provided with information to help you make important financial decisions. --- ## Financial Advice Providers & Advisers ### Allister McIntyre **Role:** Insurance Adviser **Entity:** The Mortgage Advice Company Ltd trading as The Mortgage Advice Company **FSP Number:** FSP1005234 --- ### Rob McIntyre **Role:** Mortgage Adviser **Entity:** The Mortgage Advice Company Ltd trading as The Mortgage Advice Company **FSP Number:** FSP1005234 --- ### Brock Shute **Role:** Mortgage Adviser **Entity:** The Mortgage Advice Company Ltd trading as The Mortgage Advice Company **FSP Number:** FSP1005234 --- ### TJ – Taman Paulik **Role:** Mortgage Adviser **Entity:** Home Loan Specialists Ltd trading as The Mortgage Advice Company **FSP Number:** FSP1005660 --- ### Dipak Sukha **Role:** Mortgage Adviser **Entity:** Allspice Mortgages Limited trading as The Mortgage Advice Company **FSP Number:** FSP1011041 --- ### Vihang Dhat **Role:** Mortgage Adviser **Entity:** The Mortgage Advice Company Ltd trading as The Mortgage Advice Company **FSP Number:** FSP1005234 --- ### Dan Juno **Role:** Mortgage Adviser **Entity:** The Mortgage Advice Company Ltd trading as The Mortgage Advice Company **FSP Number:** FSP1005234 --- ### Thurl Gibbs **Role:** Insurance Adviser **Entity:** The Mortgage Advice Company **FSP Number:** FSP1005234 --- ## Linked Sub-Documents Each adviser listed above has an individual Publicly Available Disclosure page. These are accessible at the following URLs: - Allister McIntyre: `https://www.mortgageadvicecompany.nz/panels/allister-mcintyre/65` - Rob McIntyre: `https://www.mortgageadvicecompany.nz/panels/rob-mcintyre/65` - Brock Shute: `https://www.mortgageadvicecompany.nz/panels/brock-shute/65` - TJ – Taman Paulik: `https://www.mortgageadvicecompany.nz/panels/tj-taman-paulik/65` - Dipak Sukha: `https://www.mortgageadvicecompany.nz/panels/dipak-sukha/65` - Vihang Dhat: `https://www.mortgageadvicecompany.nz/panels/vihang-dhat/65` - Dan Juno: `https://www.mortgageadvicecompany.nz/panels/Dan-Juno/65` - Thurl Gibbs: `https://www.mortgageadvicecompany.nz/panels/thurl-gibbs/65` > **Note:** Full adviser-level disclosures — including scope of advice, fees, conflicts of interest, commission details, complaints process, dispute resolution scheme, and professional indemnity insurance details — are contained within each adviser's individual disclosure sub-document linked above. This page does not reproduce that content; refer to the relevant individual disclosure for complete information. --- ## https://financeadvisers.co.nz/api/provider/FSP1005611/disclosure.md > _Markdown transcription of Donaldson Brown Nz Limited's Public Disclosure Statement, version 2026-05-18. Source: https://cdn.prod.website-files.com/671ff1b680c4620329858059/69011952bf2a2482c15c31eb_5.%20DB%20Disclosure%20Sept%20202450.pdf._ --- # DONALDSON BROWN DISCLOSURE ## DISCLOSURE INFORMATION The following information provides you with an important overview of Donaldson Brown, our duties to you, fees and how we manage complaints. ## LICENCE STATUS AND CONDITIONS Donaldson Brown NZ Limited, FSP1005611, trading as Donaldson Brown, holds a Class 2 financial advice providers licence issued by the Financial Markets Authority, with effect from 11 July 2023. Our contact details are as follows: | | | |---|---| | **FAP** | Donaldson Brown NZ Limited (Donaldson Brown) | | **FSP Register** | FSP1005611 | | **Address 1** | PO Box 37068, Parnell, Auckland 1551 | | **Address 2** | 11 Earle St, Parnell, Auckland 1052 | | **Telephone** | 09 215 3371 | | **Email** | compliance@dbib.co.nz | ## NATURE AND SCOPE OF FINANCIAL ADVICE Donaldson Brown through their Financial Advisers (Risk Advisers) provide financial advice to our clients about their Fire & General and Life & Disability insurance needs. When providing our advice, we access a wide range of insurance products from various insurance providers both in the local and overseas markets. ## FEES, EXPENSES, OR OTHER AMOUNTS PAYABLE You are entitled to know how and what we will charge for our services and what other benefits we receive. Donaldson Brown has spent many years forging relationships with local and international insurance providers. The benefits of these relationships are seen everyday by our clients in the outstanding range, competitive pricing, coverage options and policy support services they receive. Donaldson Brown removes all commissions from domestic and commercial insurance premiums received from insurers. Instead, choosing to operate on a transparent fee model, based on the value we bring to the partnership with our clients. The fee we charge is for providing financial advice, and for arranging, altering, or cancelling your general insurance programme. We may also charge additional fees for advice regarding placement of new policies or endorsements to existing policies, handling of complex claims and other services which we may deliver from time to time with your agreement. You will be advised the amount of the fee at the time the financial advice is provided. For our life and disability clients, Donaldson Brown either receives a fee from the client or commissions from the insurer premium, in all instances this income is fully disclosed to our clients. ### Not Proceeding with Advice If you engage us to provide advice around the placement or renewal of your insurance programme (discovery process, needs analysis, research, advice etc) and then decide not to proceed, we reserve the right to charge a fee for the advice and time taken in preparing this. ### Other Advice In some circumstances we may recommend another service provider to assist us in providing appropriate financial advice. These providers can include property valuers, property surveyors and motor vehicle valuers. These providers will charge a fee for the work they do. We will advise you of any related fees and charges prior to having them commence any work on your behalf. Our operating principal for all clients since inception is **"no hidden fees, no hidden commissions"**. ## CONFLICTS OF INTEREST AND COMMISSIONS OR OTHER INCENTIVES Donaldson Brown operate in a totally transparent and conflict free manner by disclosing all fees and/or commissions. For our life and disability clients (and for the very small number of other products where it is impossible to remove the commission, and/or doing so is detrimental to the customer), we will, in all instances, fully disclose all income to our clients. The amount of the commission received varies as it is calculated as a percentage of the insurance premium charged. You will be advised of the amount of the commission at the time the financial advice is provided. **Premium Funding** - if we refer you to a premium funder, with whom you enter a premium funding arrangement, Donaldson Brown may receive a commission of between 0% and 2% of the amount you borrow. This will be disclosed to you in this instance. Donaldson Brown pays your Financial Adviser a salary, plus bonuses and other incentives. Donaldson Brown and its risk advisers may also receive indirect benefits such as business lunches, tickets to sporting &/or cultural events, corporate promotional merchandise, and other unquantifiable minor benefits. Donaldson Brown's policy is to only participate in such events where there is a direct benefit to be gained for our clients, otherwise, we will refuse them. Donaldson Brown refuse to accept major incentives such as overseas trips. We recognise that the above commissions and incentives may create conflicts of interests for Donaldson Brown and your risk adviser. To manage these conflicts, our risk advisers follow an advice process that ensures our recommendations are made on the basis of your risk and financial goals and/or circumstances. All our risk advisers undergo training about how to manage conflicts of interest. We undertake compliance audits of our risk advisers and annually audit our conflict-of-interest compliance framework. Donaldson Brown may have agreements with external parties, where they refer any identified Insurance business to us (Referrers). We may pay referrers for this business in which case we will disclose the agreement and the payment amount at the time the financial advice is provided. ## COMPLAINTS & DISPUTES PROCESS If you are not fully satisfied with the services provided by Donaldson Brown, please contact your financial adviser or Donaldson Brown directly. Donaldson Brown's complaints officer will formally acknowledge your complaint in writing and will endeavour to resolve your complaint fairly and in a timely manner. Please click here for more details on Donaldson Brown's complaints handling process. ## DUTIES We believe in customer centricity, understanding your risk and delivering the most appropriate advice. We have duties under the Financial Markets Conduct Act 2013 (Act) and the Code of Professional Conduct for Financial Advice Services (Code) relating to the way that we give advice. We are required to: - Give priority to your interests by taking all reasonable steps to ensure our advice isn't 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 (these are designed to make sure we have the skills and knowledge required to provide you with relevant information). - Meet standards of ethical behaviour, conduct and client care set by the Code (these are designed to make sure we treat you as we should and give you suitable information). 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://financeadvisers.co.nz/api/provider/FSP1005743/disclosure.md > _Markdown transcription of Protect Financial Services 2023 Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.protectfinancial.co.nz/disclosure-statement-2._ --- # DISCLOSURE STATEMENT **Publicly available information – Financial Advice Provider** --- ## LICENSING INFORMATION Protect Financial Services 2023 Ltd, FSP number 1005743, holds a licence issued by the Financial Markets Authority to provide financial advice. Protect Financial Services 2023 Ltd, (FSP number 1005743) is authorised by that licence to provide advice. --- ## CONTACT DETAILS **Protect Financial Services 2023 Ltd** General Manager Contact Name: Dean Picard Phone: 021 275 2618 Email: dean@protectfinancial.co.nz Address: 44 McCandlish Rd, RD 10, Hamilton 3290 --- ## NATURE AND SCOPE OF ADVICE We provide advice in relation to products offered by the following companies: **Life Insurance** Chubb, Fidelity Life, Partners Life, AIA, Asteron Life, Resolution Life **Health Insurance** Nib, Partners Life, Southern Cross, and AIA. **KiwiSaver** Fisher Funds, NZ Funds, and Generate. **Lenders** A key range of New Zealand registered banks and alternative lenders including: ANZ, ASB Bank, Avanti Finance, Bank of New Zealand, Co-operative Bank, Heartland Bank, MB Private, Metro Finance, Peppermoney, Prospa, Velocity Financial, Welcome Limited, and Westpac New Zealand. Your financial adviser will confirm which product providers they are accredited with; this will be detailed within the Client Agreement between the client(s) and adviser or disclosed during the process of giving the required service and advice. --- ## FEES AND EXPENSES **Service fee** Protect Financial Services 2023 Ltd may charge a fee for financial advice provided to a client if the client cancels an insurance policy within two years of inception. Whether a fee will be charged, and the amount of the fee will be advised when the advice is provided. This fee will be payable by the client by the 20th of the month after the policy is cancelled. --- ## CONFLICTS OF INTEREST For health and personal risk insurance, Protect Financial Services 2023 Ltd and the financial adviser receive commissions from the insurance companies whose policies we can recommend. If you decide to take out insurance that we recommend, the insurer will pay a commission to Protect Financial Services 2023 Ltd and/or the adviser who provides your advice. The amount of the commission is based on the amount of premium associated with your cover; specific commissions will be advised to you when advice is provided. 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 the client's interests above their own and to manage the potential conflicts of interest as disclosed above, all Protect Financial Services 2023 Ltd advisers follow an advice process that ensures personalised recommendations are made on the basis of the client's goals and circumstances, as advised by the client. Protect Financial Services 2023 Ltd financial advisers complete regular training, including how to manage conflicts of interest. Each adviser has a regular compliance review of their advice process and our compliance programme is reviewed annually by our external compliance adviser. Protect Financial Services 2023 Ltd is not authorised to give general insurance advice, but if we do refer any client to a general insurance broker (e.g. house, contents, vehicles, pet, travel and business-related insurance), Protect Financial Services 2023 Ltd may receive a referral commission of up to 30% of the commission paid to the general insurance broker. --- ## DISPUTES AND COMPLAINTS If you are not satisfied with our financial advice service, you can make a complaint by emailing [service@protectfinancial.co.nz](mailto:service@protectfinancial.co.nz) or by calling 021 275 2618. You can also write to us at 44 McCandlish Rd, R D 10 Hamilton 3290. When we receive a complaint, we will consider it using 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact the **Insurance and Financial Services Ombudsman (IFSO)**. IFSO provides a free, independent dispute resolution service that may help investigate or resolve your complaint, if we haven't been able to resolve your complaint to your satisfaction. **Contact IFSO:** Email: info@ifso.nz Phone: 0800 888 202 Post: P O Box 845, Wellington 6143 --- ## DUTIES INFORMATION Protect Financial Services 2023 Ltd, and anyone who gives financial advice on our behalf, has 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 isn't materially influenced by our own interests (431k) - Exercise care, diligence, and skill in providing you with advice (431l) - 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) (431i) - 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). --- ## REFERRALS We can also provide referrals, for which we may receive a commission or fee, to provide Mortgage and Lending advice, Budgeting and Financial Mentoring, Accounting services and Business coaching. Advice provided through such referrals by third parties are not covered within our scope of advice. --- ## https://financeadvisers.co.nz/api/provider/FSP1006023/disclosure.md > _Markdown transcription of Blueprint Finance Limited's Public Disclosure Statement, version 2026-05-24. Source: https://blueprintfinance.co.nz/disclosure-statement/._ --- # Public Disclosure Statement *Last updated: September 03, 2025* --- ## Important information about our business **Blueprint Finance Limited** is a Licensed Financial Advice Provider issued by the FMA to provide financial advice services. Financial Services Provider Number: **1006023** **Our office contact details:** - Address: **3/381 Great South Road, Greenlane, Auckland** - Phone: **021 2692 779** - Email: **support@blueprintfinance.co.nz** - Website: **www.blueprintfinance.co.nz** > **Insurance Client?** Blueprint Protect Limited has its own disclosure statement available at `/blueprint-protect/` (see linked sub-documents below). --- ## Nature and Scope of Financial Advice Services ### Our services - Mortgage - Personal loans - KiwiSaver ### Products we can provide financial advice about - Residential lending including new purchase, refinance, top-ups, construction, refix, restructure & debt consolidation - Personal lending including car loans, asset loans, debt consolidation - KiwiSaver Investments ### Mortgage providers we work with - ASB - ANZ - BNZ - Kiwibank - Westpac - TSB - SBS - Co-operative - Bank of China - Resimac - Avanti - Bluestone - NZCU Baywide - Liberty Finance - Peppermoney - Basecorp - Prospa - Cressida - DBR - Finbase - First Mortgage Trust - Southern Cross Partners ### KiwiSaver providers we work with - Milford - Generate - NZ Funds - Pathfinder - Booster - Kernel - Superlife - Koura Wealth - Evidential KiwiSaver - Fisher Funds - QuayStreet - NikkoAm --- ## Our Fees — Mortgages Generally speaking, Blueprint Finance does not charge for its advice. In some cases we do charge fees where the client's requirements may be more complex or in the case the provider does not pay a commission. The exact fee we will charge will be confirmed before the advice is provided and the client can decide to proceed or not. --- ## Our Fees — KiwiSaver Blueprint Finance in most cases will charge a fee for our advice upon accepting our advice and confirming our recommendation. The exact fee will be explained and disclosed in the advice process before accepting our recommendation; it will vary depending on the provider. --- ## Commissions For services in relation to **loan products**, commissions may be paid by the product provider as follows: - *Initial Commission:* Commission is paid based on a fixed percentage of the value of your loan balance. - *Ongoing Commission:* Commission is paid based on a fixed percentage of the value of your loan amount, usually calculated at the end of each month in which you hold the loan. For services in relation to **KiwiSaver**, commissions may be paid by the product provider as follows: - *Initial Commission:* Flat commission amount is paid regardless of the size of your KiwiSaver. - *Ongoing Commission:* Commission is paid based on a fixed percentage of the value of your KiwiSaver, usually calculated at the end of each month in which you hold your KiwiSaver with that provider. --- ## Conflicts of Interest or Other Incentives We are here for our clients and to advise you as best we can. Your interests are our priority although we do have business relationships with product providers also. From time to time our product providers assist us with funding so we can bring our advisers together for conferences and professional development training. We may also refer you to another professional for advice in areas we are not experts in; in some of these cases we will receive commission for the introduction. Blueprint advisers are paid a mix of salary and commission for the work they do. ### How we manage any conflicts of interest To ensure our advisers prioritise our clients' interests: - We follow an advice process that ensures our recommendations are made appropriately, based on clients' goals and circumstances. - All our advisers undergo annual training about how to manage conflicts of interest. - We maintain registers of conflicts of interest and the gifts and incentives we receive. These registers are monitored regularly, and additional training is provided as required. - We undertake an annual independent Compliance Assurance Review. --- ## Our Duties and Obligations to You We are bound by the duties of the Financial Markets Conduct Act (431I, 431K, 431L and 431M) to: - Meet the standards of competence, knowledge, and skill set out in the Code of Conduct - Give priority to the clients' interest - Exercise care, diligence and skill - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct --- ## Our Internal Complaints Process If you have a problem, concern, or complaint about any part of our advice or service, please tell us so that we can try to fix the problem. Our internal complaints manager is **David Chamberlain**, who can be reached via: - Email: david@blueprintfinance.co.nz - Phone: 0277744336 David will reply to you within 24 hours. **Our internal complaints handling process is as follows:** 1. We will acknowledge receipt of your complaint within 2 working days attached with our complaints disclosure. 2. We aim to resolve complaints within 10 working days of receiving them. If we are unable to resolve the issue, we will contact you within that timeframe to let you know we need more time to consider your complaint. 3. 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. --- ## Our External Complaints Process If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact our external disputes resolution scheme: **Financial Services Complaints Limited (FSCL)**. This service is a free, fair & independent dispute resolution service for resolving any complaints and has been approved by the Minister of Consumer Affairs. **You can contact FSCL at:** - Address: FSCL, PO Box 5967 Wellington 6140 - Phone: 0800 347 257 or 04 472 3725 - Email: complaints@fscl.org.nz - Website: [fscl.org.nz](https://fscl.org.nz/) --- ## Linked Sub-Documents - **Blueprint Protect Limited Disclosure Statement** (insurance clients): `/blueprint-protect/` — this is a separate disclosure statement for Blueprint Protect Limited's insurance advice services. --- ## https://financeadvisers.co.nz/api/provider/FSP1006411/disclosure.md > _Markdown transcription of Driva New Zealand Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.driva.co.nz/important-information/._ --- # Important Information — Driva New Zealand Limited ## Licensing Information Driva New Zealand Limited (FSP Number 1006411 trading as Driva) ("We" "Our") is a Financial Advice Provider (FAP) licensed and regulated by the Financial Markets Authority to provide financial advice. We take responsibility for the financial advice provided by our financial adviser. --- ## Nature and Scope of the Advice We provide consumer car finance personal loans and commercial car loans provided by: - Avanti Finance Limited - UDC Finance Limited - Branded Financial Services (NZ) Limited - Latitude Financial Services Limited - Geneva Finance Limited - Nectar NZ Limited - Finance Now Limited - Harmoney Services Limited - Heartland Bank - Oxford Finance Limited - Community Financial Services - Financial Holdings Limited - Motor Trade Finance Limited Our financial advisers may provide financial advice in relation to consumer car finance personal loans and commercial car loans. Our financial advisers provide an information only service in relation to asset finance and personal lending. This means they will not provide advice, make any recommendations or give an opinion in relation to financial planning. --- ## Fees or Expenses We have partnered with Autosure Insurance (DPL Insurance Ltd) NZBN 942904869582 to offer comprehensive vehicle insurance to our customers. If you proceed with this, you will need to pay the premium to DPL Insurance when this amount is payable. This amount will be based on a number of factors including the extent of the coverage, the length of time it covers, and your excess. --- ## Conflicts of Interest and Commissions If you take out an insurance product through DPL Insurance on our referral, we will receive a commission of up to **100% of the premium** (exclusive of government charges). The commission will also be paid on any variations to your policy and on renewal. The commissions paid to Driva are included as part of your premium. We are paid in the form of commission from the lenders through which we place business. Typically, we receive an upfront commission of between **4%–9% of the loan amount**. We will provide more specific details of these commissions at the time our advice is given. To ensure we and our financial advisers prioritise our clients' interests: - We follow an advice process that ensures our recommendations are made appropriately based on clients' goals and circumstances. - All our employees undergo annual training about how to manage conflicts of interest. - We maintain registers of conflicts of interests and the gifts and incentives we receive. These registers are monitored regularly and additional training is provided as required. - We undertake an annual independent Compliance Assurance Review. --- ## Complaints Handling and Dispute Resolution If you are not satisfied with our service or financial advice, please tell us as soon as possible. **Call:** 0800 033 163 **Email:** contact@driva.co.nz **Write to:** Attn Driva, BDO Auckland, Level 4, 4 Graham Street, Auckland Central, Auckland 1010, New Zealand 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 immediately, we will acknowledge your complaint within **2 business days**. We may contact you to get further information about your complaint. We aim to resolve complaints within **10 working days** of receiving them. 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 cannot agree on how to fix the issue, or if you decide not to use our internal complaints process, you can contact our external disputes resolution scheme: **Financial Services Complaints Limited (FSCL)** FSCL provides a free and independent dispute resolution service that may help to resolve your complaint if we haven't been able to do so to your satisfaction. **Call:** 0800 347 257 **Email:** complaints@fscl.org.nz **Write to:** FSCL, PO Box 5967, Wellington 6140 --- ## Duties Information We 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; - exercise care, diligence, and skill; - meet standards of competence, knowledge, and skill set by the Code of Professional Conduct for Financial Advice Services; - meet standards of ethical behaviour, conduct, and client care set by the Code of Professional Conduct for Financial Advice Services. As a FAP, we are required to: - ensure our financial advisers comply with all the duties listed above; - have appropriate processes and controls in place to limit and regulate the advice provided by them. --- ## Contact Details **Driva New Zealand Limited** (FSP Number 1006411 trading as Driva) is the Financial Advice Provider. **Call:** 0800 033 163 **Email:** contact@driva.co.nz **Write to:** Attn Driva, BDO Auckland, Level 4, 4 Graham Street, Auckland Central, Auckland 1010, New Zealand *A written copy of this information is available upon request.* --- ## https://financeadvisers.co.nz/api/provider/FSP1006426/disclosure.md > _Markdown transcription of Jbwere (nz) Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.jbwere.co.nz/home/financial-advice-provider-disclosure-statement._ --- # Financial Advice Provider Disclosure Statement Please see below some important disclosures in relation to: 1. JBWere's Financial Advice Provider licence, 2. the nature and scope of the advice that we provide to our clients, 3. potential conflicts of interest that may occur in the provision of financial advice, 4. the type of fees we charge, and 5. how you can complain if you are unsatisfied with our services. --- ## Licence Status and Conditions JBWere (NZ) Limited (**JBWere** or **we** or **our** or **us**) holds a licence issued by the Financial Markets Authority to provide financial advice services. JBWere will provide financial advice directly to you or through financial advisers or nominated representatives (together referred to as advisers) employed by us to give financial advice on our behalf. --- ## Nature and Scope JBWere and our financial advisers provide a range of financial advice services to suit different client needs and circumstances. We primarily offer personalised portfolio management services, in addition to targeted portfolio advice, transactional advice, and execution-only (non-advice) services. Through our services, we provide advice on a wide range of financial products, including: - Listed and unlisted equities (domestic and international) - Fixed interest investments, such as bonds - Cash and term deposits - Managed funds - Alternative investments, such as hedge funds and private equity - Currency hedging through the JBWere hedging service - Tailored investment solutions to meet your investor visa requirements (however we do not provide New Zealand immigration or visa application advice) - Margin lending facilities From time to time, you may receive financial advice from a nominated representative in our Investment Strategy & Research Group. The advice from these employees will be general in nature and not take into account your personal circumstances, unless otherwise explicitly agreed as part of your service. Once you choose your scope of service, we will provide you with a document outlining the full nature and scope of the services we agree to provide to you, the fees payable in connection with the services and extent to which your personal circumstances are taken into account. JBWere and our advisers do not advise on any of the following: - Insurance - Taxation - Law or regulation - Estate planning or structuring - Direct property or unlisted property trusts - Physical assets (including real estate) In addition, JBWere and our advisers do not provide financial advice in relation to any financial products for which we do not have an adequate basis for providing advice. --- ## Fees, Expenses or Other Amounts Payable JBWere charges fees in relation to the services we provide. Fees may be charged as follows: - on a funds-under-management basis (involving a regular percentage-based fee deducted from your investment portfolio to cover custody, portfolio management and monitoring services), and/or - on a transactional basis (such as brokerage, when investments are bought or sold), depending on the type of service provided to you, and/or - **Margins** may be taken on cash balances, foreign exchange transactions and term deposits, and/or - **Additional fees** may be payable. While the above outlines the types of fees you may be charged, the fees relevant to your chosen service will be disclosed in writing and confirmed with you before we commence any service. --- ## Conflicts of Interest / Commissions and Other Incentives Outlined below are the various relationships we have that may potentially give rise to a conflict of interest for us and a brief explanation of how these conflicts will be managed. ### Custodian JBWere is an associated person of JBWere (NZ) Nominees Limited (**JBWere Nominees**), which provides custodial services to some of our clients. JBWere Nominees charges a fee for its services, and JBWere receives a fee from JBWere Nominees in relation to those services. Details of the relevant custodian (that holds assets on your behalf in custody) and the applicable fees will be clearly disclosed prior to the commencement of the agreed scope of service. ### Margin Lending JBWere is an associated person of Margin Lending (NZ) Limited which provides margin lending services to our clients and charges a fee for those services. The fees that JBWere charges on a funds-under-management basis may increase as the client portfolio size increases by the loan amount. The variable component of your adviser's revenue would therefore also increase. ### Other Related Companies JBWere is a wholly owned subsidiary of FirstCape Group Limited (**FirstCape**) whose indirect shareholders are: | Shareholder | Percentage | |---|---| | National Australia Bank (NAB) | 40.5% | | Investment funds managed and/or advised by Pacific Equity Partners (PEP) | 31.5% | | Jarden Group Limited | 18.0% | | FirstCape Trustee Limited | 10.0% | NAB, PEP, and FirstCape's subsidiary Harbour Asset Management, are issuers of financial products that may be recommended to you. NAB and BNZ may be a lender to an entity relevant to your investment. From time to time, JBWere may recommend a financial product: - issued by a member of the FirstCape Group; or - for which a member of the FirstCape Group or their related companies may be part of the offering syndicate (including a subsidiary of Jarden Group Limited, Jarden Securities); and those companies may receive fees, and we may be paid a commission. Also, Jarden Securities is one of several Trading and Clearing Participants that JBWere uses to execute trades for JBWere clients, and it acts as custodian for certain clients. ### Shareholding Your adviser may be a minority shareholder of FirstCape Group or Jarden Group Limited, which means they may receive dividends or other distributions. JBWere has processes in place to monitor for suitability of the products recommended to you. Any payment of dividends or other distributions to shareholders has no effect on the service provided. ### Adviser Remuneration JBWere pays its advisers a salary and a discretionary variable remuneration payment. In most cases, the discretionary variable remuneration is determined by the fees JBWere receives from the clients of that person in total and it is subject to certain measures of good conduct being met. JBWere has absolute discretion whether to pay any variable remuneration and the amount of any payment. ### Brokerage Some clients pay fees based on brokerage. This means that the adviser's remuneration increases with the number of trades that the client carries out (as opposed to a funds-under-management based fee, where an adviser's remuneration increases consistent with the increase in the value of the client's portfolio). All JBWere clients will receive written disclosure of the fees agreed with JBWere and how they are calculated. ### Fees JBWere may receive commissions, rebates, fees or brokerage from issuers of managed funds, fees from corporate issuers of securities, commissions or other fees payable on the sale of financial products to you and these will be disclosed to you. Our advisers may attend conferences and seminars, and other events subsidised in whole or in part by product providers. Eligibility to attend is dependent on meeting our internal quality standards and accreditations, and may also be based on business factors such as volume of business referred. ### Managing Conflicts of Interest JBWere takes a range of approaches to managing conflicts of interest. These depend on the nature of the relevant conflict but are all designed to ensure we are always placing your interests first in whatever we do. The ways in which conflicts are controlled or managed are as set out below: - **Controlled**: Processes are put in place to reduce the impact of a conflict. An example of a control is to ensure that knowledge of the conflicting information is shared only with those who need to know within JBWere. - **Disclosure**: The conflict is disclosed to relevant clients in a clear, concise and effective way in order to enable the client to make confident and informed decisions. Wherever possible, the disclosure is made in writing. - **Avoid**: Where the conflict cannot be managed effectively through controls and/or disclosure, it must be avoided. If the conflict is likely to have a serious impact on clients, JBWere will refrain from providing the financial service or activity. To ensure JBWere's advisers prioritise clients' interests above their own: - Advisers undergo training on how to manage conflicts of interest. - Advisers follow an advice process that ensures recommendations are made on the basis of each client's goals and objectives (if relevant to the scope of service agreed with the client). - JBWere has monitoring in place to check that conflict management processes are followed, and advice is suitable for the client (if relevant to the scope of service agreed with the client). - All employees are subject to our Code of Conduct to ensure personal and business interests never interfere with the employees' ability to make sound, objective decisions. --- ## Internal Complaints Process If you are not satisfied with our financial advice services, you can make a complaint by: - **Email:** ComplaintsNZ@jbwere.co.nz - **Phone:** 0800 555 555 or +64 9 927 1200 - **Post:** PO Box 3394, Wellington 6140 When we receive a complaint, we will follow our internal complaints process: - If possible to resolve your complaint to your satisfaction on the spot, we will do so. - We will immediately notify our Head of Advisory and the Head of Legal, Risk and Compliance who will ensure that the matter is notified and assessed accordingly. - If we are unable to resolve your complaint within 2 working days of receiving it, then we will contact you to formally acknowledge your concerns and let you know how we intend to resolve them before the end of the second working day. - We may need to contact you to get further information about your complaint to help us understand your concerns and how best to resolve them. - We aim to resolve complaints within 20 working days of receiving them. If we cannot, we will contact you within that time to let you know we need more time to consider your complaint and work out how best to resolve it for you. You will be contacted by phone or email to let you know how we propose to resolve or otherwise deal with your complaint. --- ## External Dispute Resolution Scheme If JBWere cannot resolve your complaint, or you are not satisfied with the outcome of our internal process, you can contact **Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service**. JBWere is a member of FSCL which 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. You can contact FSCL by: - **Email:** complaints@fscl.org.nz - **Phone:** 0800 347 257 (free phone) - **Post:** PO Box 5967, Lambton Quay, Wellington 6145 - **Website:** [https://fscl.org.nz/](https://fscl.org.nz/) --- ## Duties JBWere and our advisers have duties under the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services (Code) in relation to giving financial 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 or any of our financial adviser's or related parties' interests - exercise care, diligence, and skill in providing you with advice - meet applicable standards of competence, knowledge and skill under the Code - meet standards of ethical behaviour, conduct and client care under the Code More information is available by contacting us, or by visiting the [Financial Markets Authority website](https://www.fma.govt.nz/). --- ## https://financeadvisers.co.nz/api/provider/FSP1006477/disclosure.md > _Markdown transcription of Affiliated Insurance Brokers (auckland) Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.affiliated.nz/disclosure.html._ --- # Disclosure — Affiliated Insurance Brokers --- ## Licence Status and Conditions **Affiliated Insurance Brokers Limited, FSP34022**, and **Affiliated Insurance Brokers (Waikato) Limited, FSP770973**, **Affiliated Insurance Brokers (Auckland) Limited, FSP0006477**, **Affiliated Insurance Brokers (BOP) Limited, FSP1009854** (we, our) hold financial advice provider licences, issued by the Financial Markets Authority, to provide financial advice. It is a condition of our licence that we, together with any person giving advice on our behalf, can only provide advice on general insurance products. --- ## Nature and Scope of Financial Advice Service We engage financial advisers to provide financial advice on general insurance products on our behalf. These are policies that insure your personal or business assets or protect you or your business assets, liabilities and business income. We are not able to provide advice on personal income protection or investment policies but are able to refer you to associates who are licensed to provide advice on such products. We have access to most insurance markets in New Zealand (excluding direct Insurers) along with access to overseas markets as required. A list of the types of general insurance we can provide financial advice on and the product providers who provide such insurance products can be found at [Business Insurance](https://www.affiliated.nz/business-insurance.html) and [Personal Insurance](https://www.affiliated.nz/personal-insurance.html). --- ## Fees, Expenses or Other Amounts Payable Our remuneration is paid by the insurance providers that we place the insurance policy with on your behalf, by way of commission. However, we may charge a fee for the advice given to you and for implementing that advice. If a fee is to be charged it will be based on the amount of work and time required to provide and implement our advice and will be shown on our invoice to you, payable on payment of your premium. The amount of any fee will be discussed with you and disclosed either at the time we know the scope and nature of the advice required or when we provide our advice to you. --- ## Premium Funding Premium funding products enable you to pay the insurance premium over the term of your policy by instalments rather than as one amount. Premium funders charge interest, and they take a power of attorney over your insurance policy; this means they have the ability to cancel your insurance policy if you fail to pay an instalment. We have facilities with several premium funders and if you enter into such an arrangement the premium funder may pay us a commission as a percentage of the amount they fund. The % amount of this commission will be disclosed to you when we know the scope and nature of the advice required and whether you intend to utilise the services of a particular premium funder. Commission will be paid to us directly from the premium funder. ### Ownership of Premium Funding Companies We (or our shareholders) own **Chartwell Premium Funding Limited (CPF)**, **Chartwell Premium Funding (Waikato) Limited**, and **Chartwell Premium Funding (Auckland) Limited** premium funding companies. One of these companies may fund your premium allowing you to spread the payments over the terms of your policy. --- ## Conflicts of Interest and Commissions or Other Incentives **Affiliated Insurance Brokers Limited, Affiliated Insurance Brokers (Waikato) Limited, Affiliated Insurance Brokers (Auckland) Limited** and **Affiliated Insurance Brokers (BOP) Limited** will receive commission from the insurance companies on whose policies we give advice. If you decide to take out a policy, the insurer will pay us commission based on the premium that you pay. ### Steadfast NZ Limited We are a member of **Steadfast NZ Limited (Steadfast)**. Steadfast supplies technology platforms, management, marketing, professional, technical, and buying benefits and services to support us in providing our financial advice services. Steadfast has arrangements with insurance companies under which Steadfast receives a professional services fee of **up to 1.5% of the premium** paid for each policy arranged by us with those insurers. Steadfast may also receive a fee of **0.5% of any amount** a customer has funded through a premium funder. These payments are used to operate Steadfast. We will receive a proportion of the professional services fee paid to Steadfast, being **35% of that fee**. This will be paid to us by Steadfast at the end of each financial year. ### Conflicts Between Clients A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute, including in respect of liability. In this instance the adviser would clearly disclose the conflict of interest to the clients and would refer one of these clients to another of our financial advisers for further advice and assistance. ### How We Manage Conflicts of Interest We manage all conflicts of interest, ensuring our financial advisers prioritise your interests above their own, by following an advice process that ensures our recommendations are made on the basis of your needs and circumstances. All of our financial advisers complete training to understand and manage conflicts of interest. We maintain a register of conflicts of interests and any gifts and other incentives that we may receive. We review our compliance programme annually. --- ## Duties **Affiliated Insurance Brokers Limited, Affiliated Insurance Brokers (Waikato) Limited, Affiliated Insurance Brokers (Auckland) Limited** and **Affiliated Insurance Brokers (BOP) Limited**, and our financial advisers are bound by the following duties under the Financial Markets Conduct Act 2013 to: - Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and - Give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and - Exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. --- ## Related Documents The following documents are available on the Affiliated Insurance Brokers website but are not reproduced here: - [Privacy Policy](https://www.affiliated.nz/privacy-policy.html) - [Complaints & Dispute Resolution](https://www.affiliated.nz/complaints--dispute-resolution.html) - [Terms of Business – Wellington](https://www.affiliated.nz/terms-of-business-wellington.html) - [Terms of Business – Waikato](https://www.affiliated.nz/terms-of-business-waikato.html) - [Terms of Business – Auckland](https://www.affiliated.nz/terms-of-business-auckland.html) - [Terms of Business – Bay of Plenty](https://www.affiliated.nz/terms-of-business-bay-of-plenty.html) - [Chartwell Premium Funding Privacy Policy](https://www.affiliated.nz/chartwell-premium-funding-privacy-policy.html) --- ## https://financeadvisers.co.nz/api/provider/FSP1006538/disclosure.md > _Markdown transcription of Icib Financial Independence Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.financialindependence.co.nz/aboutus._ --- # Your Adviser Information and Engagement Letter ## FI Group — Statement of Services This page provides access to individual adviser information documents and Engagement Letters for advisers operating under the FI Group (Financial Independence) FAP. --- ## Adviser Disclosure Documents Each adviser's individual information and Scope of Engagement document is available via the links below. | Adviser | Document | |---|---| | **Ben Ruthe** | [Ben R About Me & Acknowledgement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_0b83d6ba8f4d41c0b8aa40d789d9eacc.pdf) | | **Steve Rogers** | [Steve R Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_8e3fc891f2874d0cadd16408dc5816bf.pdf) | | **Dom Harrison** | [Dom Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_5abd451c5d9b42118c15faf38e9a6369.pdf) | | **Joyce McInally** | [Joyce Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_3db4529c16834d3bad9a638ff6be7427.pdf) | | **Sara Lawrence** | [Sara Lawrence Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_75c99132d87040e8b611c6d16dc641df.pdf) | | **Neil Meyer** | [Neil Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_f0c188e85a334cd49404cb286922189a.pdf) | | **Tracy Bidois** | [Tracy Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_af59bf532e3d4a6599ac7d5693652ba7.pdf) | | **Amanda Leighton** | [Amanda Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_82f206cb7e1f4b9da173f95620a3f62a.pdf) | | **Ben Hoskin** | [Ben Hoskin Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_675d8d72302e4c278f4f1eb42b50b63b.pdf) | | **Bree Rangitakatu** | [Bree Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_6b0a89ce8cb243f188b31373e18b0db0.pdf) | | **Shay Samuelson** | [Shay Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_d0997d3aab784bdcb1f916f59f34a014.pdf) | | **Sodi Wahl** | [Sodi Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_3de02fc10db243d2b049ce12d0f0a69b.pdf) | | **Izaan Silva** | [Izaan Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_dbe91a77bd8545bca1ef21ee1e5d2089.pdf) | | **Caitlin Slater** | [Caitlin Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_51b73fa1a58541569374ce540474ab04.pdf) | | **Susanna Fiebiger** | [Susanna Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_2bfaa328ad6345a69441428eabdf6c09.pdf) | | **Kate Da Silva** | [Kate Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_a1dbc8a002dd48f2920d3fa68d1ad9ee.pdf) | | **Jude Stowe** | [Jude Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_979bc4247edc4d13a67e513c73f4859a.pdf) | | **David Crawford** | [ICIB FI Adviser Information and Engagement Letter — David Crawford (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_011c3619b28946c499160eaa81a83077.pdf) | | **Imogen Hall** | [Imogen Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_7747a9d668e141afa0d93b7ce00547e2.pdf) | | **James Rea** | [James Rea Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_2048c38e09e645468ff68e769524cc84.pdf) | | **Kayla Richardson** | [Kayla Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_e660c312a5ab4631bc08be34d506e617.pdf) | | **Laraine Carter** | [Laraine Scope of Engagement (PDF)](https://www.financialindependence.co.nz/_files/ugd/6bbae9_c8a26f02a03d43828acc7328b080bbcc.pdf) | --- > **Note:** The full disclosure content (including fees, commissions, conflicts of interest, complaints process, dispute resolution scheme, professional indemnity insurance details, scope of advice, and product/provider panel information) is contained within each adviser's individual PDF document linked above. The web page itself contains only the index of adviser names and links to those sub-documents. --- ## https://financeadvisers.co.nz/api/provider/FSP1006848/disclosure.md > _Markdown transcription of Enva Financial Limited's Public Disclosure Statement, version 2026-05-24. Source: https://enva.co.nz/financial-disclosure/._ --- # Enva Financial Limited — Public Disclosure Statement --- ## About Enva Financial Limited (Enva) Enva Financial Limited (FSP1006848) is a Financial Advice Provider that holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice services. You can find us and our advisers listed on the Financial Service Providers Register at fsp-register.companiesoffice.govt.nz. --- ## Scope of Advice The conditions of our licence allow us to provide the following financial advice services: - Personal Life Risk & Medical Insurance - KiwiSaver --- ## Personal Life Risk & Medical Insurance Enva Financial Limited provides personalised advice that takes into account your individual circumstances to determine the personal risk products that best meet your personal goals and needs. We follow a documented advice process that looks at your personal situation to determine what's important to you, what products you need and how much cover you should have in place. We then recommend the provider that offers the cover most suited to your stated preferences. ### Providers We Work With Enva Financial Limited have chosen to work with the following personal risk insurers: - Accuro - AIA - Chubb Life - Fidelity Life - NIB - Partners Life - Southern Cross This means that Enva Financial Limited will only consider the providers listed above when recommending a product to meet your personal risk insurance needs. ### How We Are Paid — Insurance Enva Financial Limited does not charge any upfront fees for our risk advice services. To ensure advice remains accessible, Enva and/or directly related companies are paid a commission by the provider of any product you put in place on the back of our recommendation. If the full commission is not received from a provider, Enva may charge a service fee. We will always disclose this fee upfront and obtain your consent before finalising your coverage. Our financial advisers are paid via commission or by way of a fixed salary. Our salaried advisers may also receive a discretionary bonus based on their contribution to the business. This is based on their overall performance, including achieving client service levels, compliance obligations, new business and meeting business objectives. --- ## KiwiSaver Due to their focus on long-term sustainability and environmentally friendly investment, we have chosen to work exclusively with **Aurora Capital** when helping our clients with KiwiSaver. We offer generalised KiwiSaver advice and do not offer investment planning or retirement planning services. This means that when we make a recommendation, it is limited to the best Fund choice for you, within the Aurora KiwiSaver Scheme list of investment portfolios. We will discuss the level of financial risk you are comfortable with and recommend a fund type that best matches your attitude toward risk and the length of time until you plan on accessing your funds (from conservative through to aggressive). If you would like personalised advice about your KiwiSaver, we can refer you to an investment specialist who can help. ### How We Are Paid — KiwiSaver Enva Financial will receive fees or commissions from Aurora KiwiSaver, based on the sum invested. More details on the commission or fees that Enva Financial Limited will receive will be provided at the time of our advice. --- ## General Insurance (Home, Contents & Car) To ensure that our clients receive the highest level of advice and service, we have a team of Fire and General Insurance Specialists, **Blanket Advice Limited**, that we refer all our clients to. If you take out a policy with Blanket on the back of our referral, our advisers may receive a small referral commission depending on which insurance products you take out cover with, after taxes. --- ## Home Lending Enva Financial Limited refers our clients to **Enva Mortgages Limited** for home lending advice. For further details please refer to the Enva Mortgages Limited Disclosure. --- ## Ownership Disclosure & Other Interests - **Enva Financial Limited is a minor shareholder in Aurora Capital Limited.** As a result of this relationship, Enva Financial Limited may receive dividends from time to time based on the performance of the Aurora KiwiSaver Scheme. - Some advisers have a financial interest in the business of Enva Financial Limited as a shareholder through a holding company. Any payment of dividends or other distributions to shareholders by Enva Financial Limited has no effect on the service provided. --- ## Conflicts of Interest — How We Manage Them and Put Your Interest First All of the services Enva Financial Limited offers are provided free of charge to our clients. This is because we are paid by the providers when one of their products is taken up on the back of our recommendation. Although we are paid by the providers, we always put your interests first: - We follow a proven 6-step advice process that puts our clients' needs at the heart of the advice process. - We identify and disclose the maximum level of commission we may get on the back of our recommendation. - If our recommendation involves replacing cover, we will provide a comparison of covers and explain what the recommended provider offers that your existing cover does not. We will also let you know if there is anything your existing provider covers that the recommended provider will not. - All our recommendations are provided in writing with an explanation as to how they are based on your individual needs. - Enva Financial Limited completes internal and external reviews of our advice process to ensure we follow a thorough review process that puts client interest first. --- ## Our Duties Under the Financial Markets Conduct Act 2013, it is the duty of Enva Financial Limited and our advisers to: - Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and - Give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and - Exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. --- ## What If Something Goes Wrong We value the ability of our clients to provide feedback about the service they have received as well as the opportunity to put it right when they are unhappy with any aspect of our service. If you would like to raise concerns about the service you have received, we have an internal complaint process that we will follow when we receive your formal complaint. ### Internal Complaints Process 1. Requesting your complaint in writing. 2. Acknowledging the receipt of your complaint within 2 working days of receiving it. 3. Investigating your concerns by speaking with all the involved parties and reviewing all the documentation we hold on file. 4. Providing a formal written response within 28 days of acknowledging your concerns. To make a complaint, please email: **feedback@enva.co.nz** ### External Dispute Resolution If you are unsatisfied with the outcome of our internal complaints process, you can escalate it to our dispute resolution scheme: | Detail | Information | |---|---| | **Scheme** | Financial Dispute Resolution Service | | **Address** | Freepost 231075, PO Box 2272, Wellington 6140 | | **Telephone** | 0508 337 337 | | **Email** | enquiries@fdrs.org.nz | They are an independent dispute resolution service provider that helps resolve complaints about financial service providers, free of charge. --- ## Linked Sub-Documents > - **Enva Mortgages Limited Disclosure** — referenced for home lending advice details (separate document, not reproduced here). --- ## https://financeadvisers.co.nz/api/provider/FSP1006977/disclosure.md > _Markdown transcription of Enva Mortgages Limited's Public Disclosure Statement, version 2026-05-24. Source: https://enva.co.nz/mortgage-disclosure/._ --- # Enva Mortgages Limited Disclosure ## About Enva Mortgages Limited Enva Mortgages Limited (FSP1006977) is a Financial Advice Provider that holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice services. You can find us and our advisers listed on the Financial Service Providers Register at fsp-register.companiesoffice.govt.nz. The conditions of our licence allow us to provide financial advice services related to our specialist area of residential home lending. --- ## Scope of Advice ### Home Lending Enva Mortgages Limited refers our clients to Enva Mortgages Limited for home lending advice. For further details please refer to the Enva Mortgages Limited Disclosure. ### Personal Risk Insurances & KiwiSaver Enva Mortgages Limited refers our clients to Enva Financial Limited for advice about personal risk insurances and KiwiSaver. For further details please refer to the Enva Financial Limited Disclosure. ### General Insurance (Home, Contents & Car) To ensure that our clients receive the highest level of advice and service, we have a team of Fire and General Insurance Specialists, Blanket Advice Limited, that we refer all our clients to. If you take out a policy with Blanket on the back of a referral, our advisers may receive a small referral commission depending on which insurance products you take out cover with, after taxes. --- ## Providers We Work With Enva Mortgages Limited have chosen to work with the following banks & lending institutions: - ASB - BNZ - AIA - Liberty Financial - ANZ - Westpac - SBS Bank - Resimac - Prospa NZ - FMT - Avanti Finance - Bluestone Mortgages - Pepper Money - NZCU - Southern Cross Partners This means that Enva Mortgages Limited will only consider the providers listed above when recommending a product to meet your lending needs. --- ## How We Are Paid In place of an upfront fee, Enva Mortgages Limited and/or directly related companies are paid a commission by the providers for arranging the lending on your behalf. Our financial advisers are paid a fixed salary. Our salaried advisers may also receive a discretionary bonus based on their contribution to the business. This is based on their overall performance, including achieving client service levels, compliance obligations, new lending and meeting business objectives. --- ## Other Conflicts of Interest Some advisers have a financial interest in the business of Enva Mortgages Limited as a shareholder through a holding company. Any payment of dividends or other distributions to shareholders by Enva Mortgages Limited has no effect on the service provided. --- ## How We Manage Conflicts of Interest and Put Your Interest First All of the services Enva Mortgages offers are provided free of charge to our clients. This is because we are paid by the lending providers when one of their products is taken up on the back of our recommendation. Although we are paid by the providers, we always put your interests first: - We let you know any limitations of the service we offer - We explain how and why the recommended lender meets your individual needs over other providers we work with - We identify and disclose the maximum level of commission we may get on the back of our recommendation - If our recommendation involves replacing any existing lending, we will explain the advantages, such as overall cost savings - We provide a written summary that explains the process we undertook to arrive at your final lending solution - Enva Mortgages completes internal and external reviews of our advice process to ensure we follow a thorough review process that puts client interest first --- ## Our Duties Under the Financial Markets Conduct Act 2013, it is the duty of Enva Mortgages Limited and our advisers to: - Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and - Give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and - Exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. --- ## What If Something Goes Wrong We value the ability of our clients to provide feedback about the service they have received as well as the opportunity to put it right when they are unhappy with any aspect of our service. If you would like to raise concerns about the service you have received, we have an internal complaint process that we will follow when we receive your formal complaint. ### Internal Complaints Process 1. Requesting your complaint in writing 2. Acknowledging the receipt of your complaint within 2 working days of receiving it 3. Investigating your concerns by speaking with all the involved parties and reviewing all the documentation we hold on file 4. Providing a formal written response within 28 days of acknowledging your concerns To make a complaint, please email: **feedback@enva.co.nz** ### External Dispute Resolution If you are unsatisfied with the outcome of our internal complaints process, you can escalate it to our dispute resolution scheme: **Scheme:** Financial Dispute Resolution Service **Address:** Freepost 231075, PO Box 2272, Wellington 6140 **Telephone:** 0508 337 337 **Email:** enquiries@fdrs.org.nz They are an independent dispute resolution service provider that helps resolve complaints about financial service providers, free of charge. --- *The Enva Financial Limited Disclosure and Enva Mortgages Limited Disclosure are referenced as separate sub-documents on this page but their content is not reproduced here.* --- ## https://financeadvisers.co.nz/api/provider/FSP1007340/disclosure.md > _Markdown transcription of Citadel 2024 Limited's Public Disclosure Statement, version 2026-05-18. Source: https://cdn.prod.website-files.com/67fc7413b71c63996fa7cbb0/67fc7413b71c63996fa7cc3a_Citadel%20Insurance%20-%20Disclosure%20Information%20April%202025.pdf._ --- # Public Disclosure Information The following information provides you with an important overview of Citadel Insurance, our duties to you, fees and how we manage complaints. ## Licence Status and Conditions Citadel Insurance, FSP1007340, holds a financial advice provider license issued by the Financial Markets Authority. Citadel Insurance is a member of Insurance Advisernet (IANZ), a network of independent insurance advisers across New Zealand and Australia. Providing collective buying power within the industry to not only assist with negotiating excellent insurance outcomes from many of New Zealand's largest insurance companies but also facilitating international placement solutions for our clients. ## Nature and Scope of Advice Citadel Insurance provides advice to our clients about their general insurance needs. Our financial advisers provide financial advice in relation to domestic general insurance, such as house, contents, landlords, motor vehicle and boat insurance, as well as commercial general insurance, such as commercial property, business interruption, commercial motor, aviation, event (contingency insurance), marine, liability, professional indemnity and cyber insurance. When providing our advice, we access a wide range of general insurance products from various general insurance providers in both the local and overseas market. ## Fees, expenses, or other amounts payable by you Citadel Insurance may charge you a fee and charges for providing financial advice and for arranging, altering or cancelling your general insurance program. IANZ may also charge an administration fee for processing insurance premiums. If a fee is be charged, you will be advised at the time the financial advice is provided including during the scoping phase. In some circumstances we may recommend another service provider to assist us in providing appropriate financial advice. These providers can include property valuers, property surveyors and motor vehicle valuations. These providers will charge a fee for the work they do. We will advise you of any related fees and charges prior to having them commence any work on your behalf. ## Conflicts of interest and commissions or other incentives Citadel Insurance may receive a commission from the insurance provider you implement your policies with when you pay your invoice for insurance cover, or if we refer you to a premium funder with whom you enter into a premium funding arrangement. Citadel Insurance pays your financial adviser a salary, plus bonuses. Citadel Insurance and your financial adviser may receive indirect benefits from insurers and premium funders such as business lunches, tickets to sporting and/or cultural events or corporate promotional merchandise. We recognise that the above commissions and incentives could create conflicts of interest for Citadel Insurance and your financial adviser. To manage these conflicts, we follow an advice process that ensures our recommendations are made based on your financial goals and circumstances. Citadel Insurance undertakes compliance audits of your financial adviser, who undergoes specialised training in this area. Citadel Insurance also annually audits our conflicts of interest compliance framework. ## Complaints & Disputes Process Citadel Insurance takes all complaints seriously and actively works to resolve these complaints. If you are not fully satisfied with our services, please contact Citadel Insurance here or contact your financial advisor. All complaints are acknowledged within 2 working days of receipt. Citadel Insurance's complaints officer will formally acknowledge your complaint in writing and will endeavor to resolve your complaint fairly and in a timely manner and to your satisfaction. If a satisfactory resolution is not able to be achieved within a reasonable timeframe, you may refer it to an external dispute resolution scheme. Citadel Insurance is a member of Financial Services Complaints Limited (FSCL). FSCL is an approved independent dispute resolution scheme which handles complaints against financial service providers, including insurance brokers. FSCL is free to consumers and its decisions are binding on us (but not on you). Further information about FSCL is available from www.fscl.org.nz. You may contact FSCL directly on 0800 347 257. Please contact us to receive more details on Citadel Insurance complaints handling process. ## Duties We believe in delivering the most appropriate advice, built upon our three core business pillars, Insure, Protect, Prosper. We are bound by duties under the Financial Markets Conduct Act 2013 (Act). We are required to: - Meet certain standards of competence, knowledge and skill, as set by the Code of Professional Conduct for Financial Advice Services (Code of Conduct). These have been designed to ensure that we have the relevant expertise to provide you with advice. - Take reasonable steps to ensure that you understand the nature and scope of the advice we give you and let you know if there are any limitations on the advice we provide. This will help you ensure that the advice provided meets your goals and objectives. - Give priority to your interest, by taking all reasonable steps to make sure our advice isn't materially influenced by our own interests. - Exercise a prudent level of care, diligence and skill. - Meet certain standards of ethical behaviour, conduct and client care as required by the Code of Conduct. These are designed to ensure that we treat you as we should and give you suitable advice. - Not offer or recommend a financial product that contravenes the Act or related regulations. This gives you peace of mind that the products we recommend are compliant with relevant laws. - Make certain disclosure information available to you, at certain times, for example when advice is provided. We must not provide false, misleading or incomplete information. You can access the Code of Professional Conduct for Financial Advice Services here. --- **Citadel Insurance** FSP1007340 hello@citadel.co.nz Ground Level/33 Totara St Mount Maunganui 3116 --- ## https://financeadvisers.co.nz/api/provider/FSP1007811/disclosure.md > _Markdown transcription of Mortgage Life Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.mortgagelife.co.nz/disclosure/._ --- # Disclosure *August 2024* --- ## Important information about our business **Mortgage Life Limited** is a Licensed Financial Advice Provider issued by the FMA to provide financial advice services. Financial Services Provider Number: **FSP1007811** --- ### Our office contact details - **Address:** 9 Papaumu Green, Christchurch 8083 - **Phone:** 021794900 - **Email:** scott@mortgagelife.co.nz - **Website:** www.mortgagelife.co.nz --- ### Nature and Scope of financial advice services **Our Services** - Debt management (including borrowing for personal and investment purposes) - Personal insurance --- **Products we can provide financial advice about:** - Personal and group Insurance (life cover, disability, income protection and trauma) - Loans including mortgages, reverse mortgages and deposit bonds --- **Product providers we might recommend** **Lenders:** ANZ, ASB, BNZ, Westpac, ASAP Finance, Avanti, Bank of China, Basecorp, Bluestone, China Construction Bank, Co-operative Bank, Cressida Capital, DBR, First Mortgage Trust, Funding Partners (CFML), Heartland Bank, ICBC, Liberty, Pallas Capital, Pepper Money, Plus Finance, Prospa, Resimac, SBS, Southern Cross Partners, Unity, AIA/Sovereign Home, Kiwibank, TSB **Insurers:** AIA, Asteron, Fidelity Life, Partners Life, Chubb, NIB --- ### Our fees The actual fee charged to you will depend on the nature and scope of the advice or service we provide. We will discuss and agree the actual fees with you before we proceed and explain how they are payable. The following section outlines the types of fees that may apply: | | | |---|---| | **The fees charged for our advice** and services may be based on a combination of: | A set dollar amount; or a percentage-based fee. | | Our agreed advice and service fees may include charges for: | Initial advice, ongoing or annual advice and services. | --- ### Other costs Where other costs are incurred in the process of providing our advice and services to you, you will be liable for these costs. However, we will agree all additional costs with you prior to incurring them. --- ### Commissions For services in relation to insurance and loan products, commissions may be paid by the product provider as follows: | Commission Type | Description | |---|---| | **Initial commission** | A percentage of the value of your investment contributions, loan balance or insurance premiums; we are paid this on both lending and insurance events. | | **Ongoing commission** | A percentage of the value of your investment balance, outstanding loan amount or premiums, usually calculated at the end of each month in which you hold the investment or loan, or on renewal of insurance products. This applies to both lending products and insurance. | --- ### Conflicts of interest or other incentives We are here for our clients and to advise you as best we can. Your interests are our priority although we do have business relationships with product providers also. From time to time our product providers assist us with funding so we can bring our advisers together for conferences and professional development training. To ensure our advisers prioritise our clients' interests: - We follow an advice process that ensures our recommendations are made appropriately, based on clients' goals and circumstances. - All of our 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. These registers are monitored regularly, and additional training is provided as required. - We undertake an annual independent Compliance Assurance Review. --- ### Our duties and obligations to you We are bound by the duties of the Financial Markets Conduct Act (431I, 431K, 431L and 431M) to: - Meet the standards of competence, knowledge and skill set out in the Code of Conduct - Give priority to the clients' interest - Exercise care, diligence and skill - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct --- ### Our Internal complaints process If you have a problem, concern or complaint about any part of our advice or service, please tell us so that we can try to fix the problem. Our internal complaints manager is **Scott Carragher** who can be reached via email at [scott@mortgagelife.co.nz](mailto:scott@mortgagelife.co.nz) or 021794900. Scott will reply to you within 48 hours. Our internal complaints handling process is as follows: 1. We acknowledge receipt of any complaints within 48 hours 2. We aim to resolve any complaints within 14 days of receipt --- ### Our external complaints process **Financial Services Complaints Limited (FSCL)** If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact our external disputes resolution scheme – FSCL. This service will cost you nothing, and will help us resolve any complaints. **You can contact FSCL at:** - **Address:** FSCL, PO Box 5967, Wellington 6140 - **Phone number:** 0800 347 257, or if you are calling from overseas 04 472 3725 - **Email address:** [complaints@fscl.org.nz](mailto:complaints@fscl.org.nz) --- ## https://financeadvisers.co.nz/api/provider/FSP1008577/disclosure.md > _Markdown transcription of Ifo Peace Of Mind Advice Limited's Public Disclosure Statement, version 2026-05-23. Source: https://peaceofmindadvice.co.nz/wp-content/uploads/2026/02/IFO-POMA-Updated-Publicly-Available-Disclosure-2026.pdf._ --- # Publicly Available Disclosure: IFO Peace of Mind Advice ## AB/FAP Publicly Available Disclosure: IFO Peace of Mind Advice This document sets out the information that our business is required to make publicly available in accordance with the Financial Markets Conduct Regulations 2014 to help you decide if you want to seek our advice. **Company Name:** IFO Peace of Mind Advice Limited **FSP Number:** FSP1008577 **Phone Number:** 021 079 8864 **Email:** imran@peaceofmindadvice.co.nz ## Licensing information We operate as an Authorised Body under a Financial Advice Provider licence issued by the Financial Markets Authority in the name of IFO Peace of Mind Advice Ltd (IFOPOMA) (FSP1008577). There are no conditions attached to this licence on the advice that may be given. ## Our Duties IFOPOMA and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013. These duties are to: - Meet the standards of competence, knowledge, and skill and the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Providers. - Give priority to your interests. - Exercise care, diligence, and skill. ## Our Products and Product Providers We provide advice to our clients about **Personal & Business Risk Insurance products and KiwiSaver products**. We provide advice about products from certain providers. **For insurers we work with:** AIA, Chubb Life, Fidelity Life, NIB, Partners Life. **For KiwiSaver providers we work with:** Fisher Funds, Generate, and NZ Funds. The specific product types and product providers each adviser can give advice on will be disclosed at an adviser level in their individual Disclosure Guide. Our advisers will provide their individual Disclosure Guide to you when you engage them, or you can request a copy from them at any time. ## Fees and Expenses Generally we won't charge you any fees for the advice that we provide to you. This is possible because, if you act on the advice given, we usually receive commission from the applicable product provider on issuance of a risk insurance policy or on investment into a KiwiSaver scheme. There are some exceptions to this general position which are explained below. We may charge you a one-off fee in the following situations: ### (a) No commission If you request that we provide services in relation to a product or service and we do not receive a commission. Any such fee would be agreed and authorised by you in writing before we complete the services and would be based on an estimate of the time spent providing the advice. This may arise in the rare event that you request that we provide Services in relation to either a product that is offered by a provider that we do not hold an accreditation with, or a product that is outside our usual arrangements with our product providers. ### (b) Repayment of commission If a product or service provider requires that we repay commission within 28 months of settlement of your mortgage or issuance of your risk insurance policy or investment in a KiwiSaver scheme. Any such fee would be no more than $3,000 (plus GST, if any) and would be calculated based on a rate of $250 (plus GST, if any) per hour of the financial adviser's time spent providing services to you in connection with the applicable mortgage, insurance, or KiwiSaver advice. The fee charged will not exceed the amount of commission clawed back from the lender/provider. ### (c) Pre-approval lapse or non-continuation We may also charge an hourly fee for our services should you not continue with a pre-approval, or allow the pre-approval to lapse without renewal. This may be charged at a rate of up to $250 per hour (plus GST, if any), capped at $3,000 (plus GST, if any) for up to 12 hours work. Should we need to charge you a fee, you will be invoiced and will be given 30 days to make payment. ## Commissions and other incentives If you proceed with a product on the basis of financial advice given by your adviser, the adviser, adviser business, and/or the licensee usually receives commission on issuance of a risk insurance policy or on investment in a KiwiSaver scheme. We may also receive a commission payment or referral fee for business referred to other businesses. The types of payments that may be received include: - Upfront commission (calculated as a percentage of the first year's premium (in the case of insurance products) or a percentage of the loan at drawdown (in the case of a loan)). - Renewal or trail commission calculated as a percentage of the premium paid for each year the policy is in force (in the case of insurance products), a percentage of the loan outstanding at the relevant time (in the case of a loan), or a percentage of the funds under management in the KiwiSaver scheme (in the case of KiwiSaver products). - Fixed rate roll over fee (from some product providers if we assist in refixing your loan). - Referral fees. - Other incentives or rewards, for example gifts or tickets to events. Further information about the commissions and incentives that are relevant to the advice you may receive, including the maximum percentages used to calculate the commissions, will be given to you by your Financial Adviser. This commission is used to remunerate the financial adviser that provides the advice, and to pay the expenses associated with running our business including any rent, staff costs and IT resources. From this commission we also pay NZ Financial Services Group Limited for services they provide to us in connection with our authorisation under their licence from the Financial Markets Authority. ## Conflicts of Interest We may attend events hosted by industry associations, product providers (including KiwiSaver providers), and NZFSG, at which product providers discuss and provide information about their products. We manage this potential conflict of interest by ensuring we follow an advice process that ensures we prioritise your interests and recommend products that are suitable for you regardless of the information received at such events. We take steps to ensure that the conflicts of interest, including receipt of commissions or other incentives, does not influence the advice we give to you and that our advisers prioritise your interests by recommending the best product for your purpose regardless of the type and amount of commission we or they may receive. We do this by: - Ensuring our advisers follow an advice process that ensures they understand your needs and goals and that their recommendations meet those needs and goals. - Ensuring our advisers receive regular training on how to manage conflicts of interest. - Providing you with a schedule showing commission amounts and types by product provider. This schedule is contained within each Financial Adviser's personalised Disclosure Guide. A Financial Adviser will provide you with more information about commissions during the advice process. If there are any conflicts of interest apart from commission that could potentially influence the advice that we give, these will be shown in your Financial Adviser's Disclosure Guide. ## Complaints If you have a complaint about our service, you need to tell us about it. You can contact our internal complaints service by phoning us on 021 0798864 or emailing us at imran@peaceofmindadvice.co.nz with the heading Complaint - (Your Name). Please set out the nature of your complaint, and the resolution you are seeking. We will acknowledge receipt of this within 24 hours. We will then record your complaint in our Complaints Register and notify our Licence Holder. We may want to meet with you to better understand your issues. We will then investigate your complaint and provide a response to you within 7 working days of receiving your complaint. If we need more time to investigate your complaint, we'll let you know. If we cannot agree on a resolution, you can refer your complaint to our external dispute resolution service. This service is free and independent and will assist you to resolve things with us. ### Details of this service are: **Financial Services Complaints Limited (FSCL)** Phone: 0800 347 257 Email: complaints@fscl.org.nz **OR** **Insurance & Financial Services Ombudsman Scheme (IFSO)** Phone: 0800 888 202 Email: info@ifso.nz **OR** **Financial Dispute Resolution Service (FDRS)** Phone: 0508 337 337 Email: enquiries@fdr.org.nz --- ## https://financeadvisers.co.nz/api/provider/FSP1009528/disclosure.md > _Markdown transcription of Guardian Insurance Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.guardianinsure.co.nz/disclosure-statement._ --- # Disclosure Statement ## Guardian Insure — Publicly Available Disclosure --- ## Licensing Information Guardian Insurance Limited (Trading as **Guardian Insure** and referred to as such hereafter), FSP number **1009528**, holds a licence issued by the Financial Markets Authority to provide financial advice. Guardian Insure is authorised by that licence to provide advice. --- ## Nature and Scope of Advice Guardian Insure provides advice to our retail clients about their personal insurances. Our Financial Advisers provide financial advice in relation to these financial advice products. We only provide financial advice about products from certain providers which are listed in our disclosure guide. The information below will help you understand what type of advice we can provide to you: - We will provide advice tailored to your specific financial needs, objectives, and circumstances, as determined through a comprehensive consultation and needs analysis. - We will help you choose and apply for cover that is suitable for your goals and circumstances. - We have access to a range of insurers. - Once we have chosen an insurer, and types and amounts of cover that are suitable to you, we will help you to obtain acceptance. - We may also be able to help you maintain your insurance policy, for example if there are changes in your circumstances requiring changes to the cover. - We may also refer you to other specialists if the need is apparent, such as mortgage advisers, legal professionals, investment specialists or general insurance advisers — at your request. ### Types of Financial Products We Can Assist With - Life Insurance - Trauma Insurance - Total and Permanent Disability Insurance - Mortgage Repayment Insurance - Income Protection Insurance - Key Person Insurance - Health/Medical Insurance - Specific Injury Cover - Redundancy Cover - Waiver of Premium/Premium Cover --- ## Fees and Expenses Generally you won't be charged any fees for the financial advice we provide to you. This is possible because, on issuance of an insurance policy, the insurer usually pays commission to us. Any exceptions to this general position are explained below. If these exceptions will apply to you, we will let you know. ### One-Off Fees We may charge you a one-off fee if the following occurs: **There's no commission:** If you request that we provide financial advice and we do not receive a commission from the insurer, we may charge you a one-off fee. Any such fee would be agreed and authorised by you in writing before we complete the services, and would be based on an estimate of the time spent providing the advice. This may arise in the rare event that you request that we provide financial advice in relation to either a product that is offered by an insurer that is not on our panel of approved insurers, or an insurance that is outside our usual arrangements with our approved insurers. --- ## Commissions and Incentives On acceptance of an insurance application by the insurer, the applicable insurer usually provides us with a commission payment, as described below. The commission is generally an upfront commission payment, but an ongoing commission payment may also be paid by the insurer. The upfront commission is calculated as a percentage of the first year's premium that you will pay. An ongoing commission is calculated as a percentage of the premium that you pay for each year the policy is in force. You will receive further detail when the nature and scope of the work we undertake for you is known and in our statement of advice. We may also receive a referral fee or commission payment if we refer you to our referral partners. --- ## Conflicts of Interest 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. Our insurance partners will provide us commissions and from time to time, gifts such as event tickets and dinners. We manage the resulting conflict of interest by ensuring our advisers only recommend products where the adviser is satisfied that those products provide the best outcome for our clients, when compared with any other product we are able to recommend, having regard to the nature and scope of the service agreed with the client. --- ## Complaints and Dispute Resolution We are always looking for ways to improve our service to you. If something has gone wrong, we want to know. Please send an email to our director: **mitch@guardianinsure.co.nz** and tell us what has happened and how we can resolve matters. If you have any documents or correspondence that will help us understand your complaint, please attach them to your email. When we receive your complaint, we will: - Acknowledge your complaint within two working days - Gather and evaluate information about your complaint - Respond to you within 10 working days If we can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact the **Insurance and Financial Services Ombudsman (IFSO)**. IFSO provides a free, independent dispute resolution service that may help investigate or resolve your complaint, if we haven't been able to resolve your complaint to your satisfaction. **Contact IFSO:** - Email: info@ifso.nz - Phone: 0800 888 202 - Post: PO Box 845, Wellington 6143 --- ## Duties Information Guardian Insure, and anyone who gives financial advice on our behalf, has 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 isn't materially influenced by our own interests (s431K) - Exercise care, diligence, and skill in providing you with advice (s431L) - 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) (s431I) - 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). --- ## Privacy The key terms of the Financial Advice Provider's privacy policy are summarised below: **Collection:** The Financial Advice Provider may collect client information from a number of third parties. These can include accountants, insurers and employers with your authorisation. **Purpose:** The Financial Advice Provider will collect and hold client information for the purpose of recommending insurance products to you. **Disclosure:** The Financial Advice Provider may disclose client information to third parties if the Financial Advice Provider considers it necessary to do so for the purpose above. These third parties include the following: - The insurer(s) - Service providers, e.g. organisations that provide the Financial Advice - The Financial Markets Authority and other regulators - Organisations involved in auditing the Financial Advice Provider Prior to disclosing client information, we will take all reasonable steps to ensure the third party has the same level of commitment to protecting the client information. **Further Use & Disclosure:** The insurers may also use and disclose client information in accordance with their own privacy policy. This includes using and sharing the information for the purpose of assessing the application and administering the policy — e.g. information might be shared with medical professionals or accountants in the event of a claim, authorities to assist in fighting fraud, money laundering or other criminal offences. If the Financial Advice Provider has an ongoing commission arrangement in place with the insurer over the term of the policy, the insurer will periodically disclose the premium to the Financial Advice Provider. **Marketing:** The Financial Advice Provider and/or insurer(s) might use client information for market research purposes and for direct marketing purposes (whether through mail, email or telephone (including SMS/MMS) or other electronic means) to notify you of products or services that may be of interest to you. You have the right to opt-out of electronic direct marketing. You are not required by law to provide any personal information to the Financial Advice Provider, but any failure to do so might prejudice your chances of obtaining the correct insurance cover. You have the right to request access to and correction of your personal information held by the Financial Advice Provider and insurer(s). We collect personal information from you for the purposes of: - Evaluating and determining your request for financial advice; - Maintaining relevant records and advice reports; - Communicating with you in relation to our services, including providing you with occasional marketing material, which you can unsubscribe from at any time. By engaging us to provide advice services to you, you consent and give authority to us to obtain your personal information from or disclose your information to, the following parties: - Regulators and external compliance personnel or any service provider when implementing any of our recommendations or variations thereof and/or supplying products to you; - Compliance advisers/personnel, product providers whom we have an agreement with, insurance companies, any claims investigators and claims assessors, ACC, financial institutions and any other persons or agencies deemed relevant; - Our own personnel, and other professionals including but not limited to: solicitors, accountants, finance brokers and financial planners when such services are required to complement this advice, and/or as requested by you; - Any other individual or organisation where disclosure is required by law. --- *Source: [https://www.guardianinsure.co.nz/disclosure-statement](https://www.guardianinsure.co.nz/disclosure-statement)* --- > **Note:** The disclosure references a separate **disclosure guide** listing the approved panel of product providers/insurers. That document is not reproduced on this page. Readers should request a copy directly from Guardian Insure. --- ## https://financeadvisers.co.nz/api/provider/FSP1009854/disclosure.md > _Markdown transcription of Affiliated Insurance Brokers (bop) Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.affiliated.nz/disclosure.html._ --- # Disclosure — Affiliated Insurance Brokers --- ## Licence Status and Conditions **Affiliated Insurance Brokers Limited, FSP34022**, and **Affiliated Insurance Brokers (Waikato) Limited, FSP770973**, **Affiliated Insurance Brokers (Auckland) Limited, FSP0006477**, **Affiliated Insurance Brokers (BOP) Limited, FSP1009854** (we, our) hold financial advice provider licences, issued by the Financial Markets Authority, to provide financial advice. It is a condition of our licence that we, together with any person giving advice on our behalf, can only provide advice on general insurance products. --- ## Nature and Scope of Financial Advice Service We engage financial advisers to provide financial advice on general insurance products on our behalf. These are policies that insure your personal or business assets or protect you or your business assets, liabilities and business income. We are not able to provide advice on personal income protection or investment policies but are able to refer you to associates who are licensed to provide advice on such products. We have access to most insurance markets in New Zealand (excluding direct Insurers) along with access to overseas markets as required. A list of the types of general insurance we can provide financial advice on and the product providers who provide such insurance products can be found on our [Business Insurance](https://www.affiliated.nz/business-insurance.html) and [Personal Insurance](https://www.affiliated.nz/personal-insurance.html) pages. --- ## Fees, Expenses or Other Amounts Payable Our remuneration is paid by the insurance providers that we place the insurance policy with on your behalf, by way of commission. However, we may charge a fee for the advice given to you and for implementing that advice. If a fee is to be charged it will be based on the amount of work and time required to provide and implement our advice and will be shown on our invoice to you, payable on payment of your premium. The amount of any fee will be discussed with you and disclosed either at the time we know the scope and nature of the advice required or when we provide our advice to you. --- ## Premium Funding Premium funding products enable you to pay the insurance premium over the term of your policy by instalments rather than as one amount. Premium funders charge interest, and they take a power of attorney over your insurance policy; this means they have the ability to cancel your insurance policy if you fail to pay an instalment. We have facilities with several premium funders and if you enter into such an arrangement the premium funder may pay us a commission as a percentage of the amount they fund. The % amount of this commission will be disclosed to you when we know the scope and nature of the advice required and whether you intend to utilise the services of a particular premium funder. Commission will be paid to us directly from the premium funder. We (or our shareholders) own **Chartwell Premium Funding Limited (CPF)**, **Chartwell Premium Funding (Waikato) Limited**, and **Chartwell Premium Funding (Auckland) Limited** premium funding companies. One of these companies may fund your premium allowing you to spread the payments over the terms of your policy. --- ## Conflicts of Interest and Commissions or Other Incentives Affiliated Insurance Brokers Limited, Affiliated Insurance Brokers (Waikato) Limited, Affiliated Insurance Brokers (Auckland) Limited and Affiliated Insurance Brokers (BOP) Limited will receive commission from the insurance companies on whose policies we give advice. If you decide to take out a policy, the insurer will pay us commission based on the premium that you pay. We are a member of **Steadfast NZ Limited (Steadfast)**. Steadfast supplies technology platforms, management, marketing, professional, technical, and buying benefits and services to support us in providing our financial advice services. Steadfast has arrangements with insurance companies under which Steadfast receives a professional services fee of **up to 1.5% of the premium** paid for each policy arranged by us with those insurers. Steadfast may also receive a fee of **0.5% of any amount** a customer has funded through a premium funder. These payments are used to operate Steadfast. We will receive a proportion of the professional services fee paid to Steadfast, being **35% of that fee**. This will be paid to us by Steadfast at the end of each financial year. A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute, including in respect of liability. In this instance the adviser would clearly disclose the conflict of interest to the clients and would refer one of these clients to another of our financial advisers for further advice and assistance. We manage all conflicts of interest, ensuring our financial advisers prioritise your interests above their own, by following an advice process that ensures our recommendations are made on the basis of your needs and circumstances. All of our financial advisers complete training to understand and manage conflicts of interest. We maintain a register of conflicts of interests and any gifts and other incentives that we may receive. We review our compliance programme annually. --- ## Duties Affiliated Insurance Brokers Limited, Affiliated Insurance Brokers (Waikato) Limited, Affiliated Insurance Brokers (Auckland) Limited and Affiliated Insurance Brokers (BOP) Limited, and our financial advisers are bound by the following duties under the Financial Markets Conduct Act 2013 to: - Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and - Give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and - Exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. --- ## Related Documents The following linked documents are referenced on the site but their content is not reproduced here: - [Privacy Policy](https://www.affiliated.nz/privacy-policy.html) - [Complaints & Dispute Resolution](https://www.affiliated.nz/complaints--dispute-resolution.html) - [Terms of Business – Wellington](https://www.affiliated.nz/terms-of-business-wellington.html) - [Terms of Business – Waikato](https://www.affiliated.nz/terms-of-business-waikato.html) - [Terms of Business – Auckland](https://www.affiliated.nz/terms-of-business-auckland.html) - [Terms of Business – Bay of Plenty](https://www.affiliated.nz/terms-of-business-bay-of-plenty.html) - [Chartwell Premium Funding Privacy Policy](https://www.affiliated.nz/chartwell-premium-funding-privacy-policy.html) --- ## https://financeadvisers.co.nz/api/provider/FSP107344/disclosure.md > _Markdown transcription of Maurice Trapp Group Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.mauricetrapp.co.nz/fap-disclosure-statement._ --- # Important Disclosure Information --- ## Financial Advice Provider Disclosure Statement **This Disclosure Statement was prepared on:** 30th June 2022 **Full License Holder effective 30/06/2022:** Maurice Trapp Group Limited **Financial Services Provider Register Number:** FSP107344 **Address:** Level 2, 14 Jervois Road, Ponsonby, Auckland 1011 PO Box 56004, Dominion Road, Auckland 1443 **Phone Number:** 09 630 5884 **Trading Names:** - Maurice Trapp Group Limited - Group Plus Ltd - Lewis Limited – Trading as: Employee Lab - KSL Insurance Ltd - Financial Design Group Limited - NextWave Financial Services Ltd **Email Address:** info@mauricetrapp.com --- ## About Us Maurice Trapp Group Limited (MTGL) is a limited liability company that holds agency and contractual agreements with insurance companies and product providers and owns ongoing rights to contractual income streams, enters into commercial agreements for the provision/receipt of professional business services and employs administrative and support staff. MTGL holds a license issued by the Financial Markets Authority (FMA) to provide financial advice. ### Our Network - Maurice Trapp Group Auckland (Head Office) - Maurice Trapp Group Tauranga - Maurice Trapp Group Hamilton - Maurice Trapp Group Cambridge - Lewis Limited – Employee Lab - KSL Insurance Limited Christchurch - Group Plus Limited - Financial Design Group Limited - NextWave Financial Services Ltd --- ## Nature and Scope of our Advice MTGL provides advice to our clients about life & health insurance and KiwiSaver. Our financial advisers provide financial advice in relation to these financial advice products. We only provide financial advice about products from certain providers: - **Life Insurance:** AIA, Asteron, Booster, Resolution Life, Chubb, Fidelity, DPL and Partners Life - **Health Insurance:** Accuro, AIA, Partners Life, nib and Southern Cross - **KiwiSaver:** Generate, NZ Funds, Booster, Fisher Funds, Milford Asset Management and ANZ OneAnswer In providing you with financial advice, we will only consider existing term life, trauma, income protection and health insurance policies (if any). --- ## Duties Information MTGL 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 isn't 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). --- ## Fees and Expenses We are remunerated by a percentage of commissions or fixed fee from Insurance and KiwiSaver Providers. We also receive a percentage of trail commissions earned on renewed Risk policies and fixed fee on KiwiSaver. We do not have any performance quotas with any insurance companies or product providers. ### How our remuneration may vary All income is received by MTGL and may vary for many reasons, including overall new business levels generated, market/consumer confidence or satisfaction, amendments to commission terms and structures by product providers or other parties, impact of competition or economic conditions on existing clients/business levels. MTGL has no preferential terms (other than those readily offered to other market participants) or production performance agreements with any particular provider. ### Commission Rates | | When first put in place | Ongoing annually | |---|---|---| | Life Insurances | 100–220% | 0–10% | | Medical / Health | 25–140% | 7.5–25% | | KiwiSaver / Investment | A single payment of $50–300 | A % based on your balance | --- ## Conflicts of Interest that may arise MTGL receives commissions from the providers on whose products our Advisers give financial advice. This commission is split between the business and the Adviser. These commissions vary from provider to provider. If you decide to take out insurance or take our KiwiSaver advice, the commissions paid will be determined by the amount of 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. MTGL monitors these registers and provides additional training where necessary. MTGL performs an annual review of our compliance programme. This page is signed by: **Brent Wright, Director** **Maurice Trapp, Chairman** --- ## https://financeadvisers.co.nz/api/provider/FSP108634/disclosure.md > _Markdown transcription of Mortgage Link (otago) Limited's Public Disclosure Statement, version 2026-05-24. Source: https://mortgagelinkotago.co.nz/publicly-available-disclosure-mortgage-insurance/._ --- # Publicly Available Disclosure ## Licensing Information **Link Financial Group 2022 Ltd (FSP1004590)** holds a licence issued by the Financial Markets Authority to provide financial advice. Mortgage Link Otago Ltd, T/A MORTGAGE LINK (OTAGO) LIMITED (FSP108634) and MORTGAGE LINK OTAGO (2016) LIMITED (FSP752471) is authorised by that licence to provide financial advice. --- ## Contact Details **Link Financial Group 2022 Ltd** is the Financial Advice Provider. *You can contact us at:* - **Phone:** 0800 466 784 - **Email:** [admin@mortgagelink.co.nz](mailto:admin@mortgagelink.co.nz) or [admin@insurancelink.co.nz](mailto:admin@insurancelink.co.nz) - **Address:** 1/1 Antares Place, Rosedale, Auckland --- ## Nature and Scope of Advice Mortgage Link Otago advisers provide advice about: - Personal insurance (risk), including health insurance. - Business Risk Insurance (Key Person, Shareholder Protection benefits, Business Overheads/Expenses) - ACC advice - Mortgages and personal lending - Determining how much you can afford to borrow to purchase a property (within lenders affordability guidelines). - Selecting an appropriate lender and mortgage structure. - How to structure your repayments to pay off your mortgage sooner - Structuring and refixing your current lending. We provide advice in relation to the following **lending products**: - Mortgages - Personal Loans - Top ups - Fixed rate rollovers - Debt consolidation - Business loans We provide advice in relation to the following **insurance products**: - Life insurance - Trauma insurance - Total and permanent disability insurance - Income Protection insurance - Mortgage and household expenses cover - Health/medical insurance We provide advice in relation to products provided by the following companies: *(Provider logos/list displayed on the published web page — all providers excluding Kiwibank)* --- ## Fees and Expenses ### Mortgage and Lending Planning Fee - Mortgage Link Otago advisers are usually remunerated by way of commission, by the providers of the loan products we recommend. On occasion, some providers may not pay a commission. In this situation, we will charge a fee for our advice. The fee payable will be a reflection of the time required to obtain a loan approval for you. Where a fee will be payable for the advice, your Mortgage Link Otago adviser will agree the amount of the fee with you prior to obtaining a lending approval. This fee can be added to your loan amount and will be paid to Mortgage Link Otago at the time your loan is advanced. - Where a Mortgage Link Otago adviser has obtained an approval from a lender who does pay commission, but you decide not to proceed with the loan, a fee of up to **$2,500** will be payable as remuneration for the time spent on getting an approval. This fee is payable within 7 days of you deciding not to proceed with an approval. ### Mortgage and Lending Service Fee - Should you proceed with a loan implementation after advice from your Mortgage Link Otago adviser, and then repay or refinance your loan within **28 months** of your loan being advanced, without giving your Mortgage Link Otago adviser the opportunity to assist you with a refinance, Mortgage Link Otago may charge you a fee of **$150 per hour** for the time spent to get the initial loan approved and implemented. The maximum fee will be **$2,250 (15 hours)**. In some instances, advisers may charge a higher fee depending on the level of service provided. Your Adviser will agree with you any applicable fees. ### Insurance Service Fee No fees are payable by you for insurance advice. However, Mortgage Link Otago may charge a fee for financial advice provided to a client if the client cancels a life or health insurance policy within **two years of inception**. Specific fee information will be advised when the advice is provided. This fee will be payable by the client by the 20th of the month after the policy is cancelled. --- ## Conflicts of Interest **For life insurance and health insurance**, Mortgage Link Otago and the financial adviser receive commissions from the insurance companies whose policies we can recommend. If you decide to take out insurance that we recommend, the insurer will pay a commission to Mortgage Link Otago and/or the adviser who provides your advice. The amount of the commission is based on the amount of premium associated with your cover; specific commissions will be advised to you when advice is provided. **For mortgages and lending**, Mortgage Link Otago and the financial adviser receive commissions from some of the lenders we can provide recommendations for. If you proceed to implement lending with the lender recommended to you, the lender will pay a commission to your financial adviser. The amount of the commission is based on the amount of the lending; specific remuneration will be advised to you when advice is provided. 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 the client's interests above their own, we follow an advice process that ensures our personalised recommendations are made on the basis of the client's goals and circumstances, as advised to us. Mortgage Link Otago financial advisers complete regular training, including how to manage conflicts of interest. Each adviser has a regular compliance review of their advice process and our compliance programme is reviewed annually by our external compliance adviser. --- ## Disputes and Complaints If you are not satisfied with our financial advice service you can make a complaint by: - **Email:** [info@mortgagelinkotago.co.nz](mailto:info@mortgagelinkotago.co.nz) - **Phone:** 03 477 7758 - **Post:** P.O. Box 5806, Dunedin 9054 When we receive a complaint, we will consider it using 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 cannot, 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 the **Financial Disputes Resolution Scheme (FDRS)**. FDRS 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. - **Phone:** 0508 337 337 - **Email:** [enquiries@fdrs.org.nz](mailto:enquiries@fdrs.org.nz) --- ## Duties Information Mortgage Link Otago, and anyone who gives financial advice on our behalf, has 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 (s431K) - Exercise care, diligence, and skill in providing you with advice (s431L) - 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) (s431I) - 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). --- *Note: The published page displays an image listing all product providers (described as "All Providers Excluding Kiwibank"). The specific provider names are contained within that image and are not reproduced as text on the page. No separate linked sub-documents were identified on this page.* --- ## https://financeadvisers.co.nz/api/provider/FSP110887/disclosure.md > _Markdown transcription of Partners Life Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.partnerslife.co.nz/disclosure._ --- # Our Financial Advice Disclosure ## Partners Life Limited — Financial Advice Provider It's important to us that we're transparent with our clients around how we offer financial advice. As a licensed Financial Advice Provider, it's also a legal obligation for us to publicly disclose certain elements of how we operate. That's what our Financial Advice Disclosure is here to do; to help you understand more about the way we work. --- ## Our Responsibilities In order for us to provide you with financial advice services we have to hold a licence to provide financial advice services issued by the Financial Markets Authority. [You can check our registration here](https://app.companiesoffice.govt.nz/fsp/app/ui/fsp/version/searchSummaryCompanyFSP/FSP110887.do) (FSP110887). Being a Financial Advice Provider means that we have a number of responsibilities. These include: ### To be careful, diligent and skilful when we are providing you with financial advice This means making sure that we behave professionally when providing financial advice. ### To prioritise your interests whenever there's a case of conflicting interests Your interests come ahead of our own interests, or those of our representatives or advisers. You always come first. ### To meet the standards of ethical behaviour and conduct set out in the Code of Conduct In doing this, we are making sure that we treat all customers fairly and that we maintain a high standard of service. If you want to check out the Code of Professional Conduct for Financial Advice Services, [you can read it here](https://fsp-register.companiesoffice.govt.nz/help-centre/registering-a-financial-service-provider-fsp/code-of-conduct-for-financial-service-providers/). --- ## Providing Financial Advice ### Fees and Costs We're proud to say that we don't charge fees, or any other types of costs, for the financial advice we provide to you. In fact, we don't charge fees or receive commissions on any advice we provide, as our staff are paid a salary. The only time we'll charge on a product or service is as an insurer, for example the administration fee on your insurance policy. That's nothing to worry about though, as we'll let you know what the costs are ahead of time. ### What Financial Advice Can We Provide? There are limitations to the financial advice we can give. Below, we break down specifically what we can and can't do. #### We can provide - Advice based on the description you have given of your needs, financial situation or goals - Advice to help you decide what type of Partners Life policy may best suit you - Advice that compares our insurance policies with other policies (note this is only through our select advisers) - Advice on individual personal (and/or business) insurance products #### We can't provide - Advice that considers anything other than the needs, financial situation or goals you've given us - Advice on non-insurance financial advice products - Advice on insurance policies sold by other providers, other than comparing other providers' policies with our insurance policies --- ## Conflicts of Interest From time to time, our financial advisers and nominated representatives may get payments or other benefits from Partners Life other than their salary. These are always linked to the overall performance of Partners Life. In addition, if you take out a policy recommended by our adviser, Partners Life may pay commission to the person or company who referred you to our adviser. We manage any potential conflicts of interests connected with payments or other benefits by requiring our advisers to consistently meet appropriate standards of ethics and quality. Our Conflict of Interest Policy requires conflicts of interest to be managed with integrity, honesty, transparency and fairness. We cover our responsibilities more in our 'Partners Life Responsibilities' section on this page, but [you can see the Code of Professional Conduct For Financial Advice Services here](https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf). --- ## Complaints Process If you're unhappy with any of the advice you've received from us, please check out our complaints process and get in touch. We want to ensure clear and open lines of communication between us and our customers and we understand that sometimes that includes taking on negative feedback. **What happens when you submit a complaint:** 1. We will acknowledge receipt of your complaint. There are several ways for you to get in touch with us. If you call or submit a complaint online, you will receive immediate acknowledgment. If you submit a complaint by post, you can expect an acknowledgement within five working days upon our receipt. 2. We will investigate your concerns. Where possible, we will resolve your complaint at first contact. If we are unable to resolve your concerns in the first instance and depending on the complexity of the investigation, your complaint may be escalated internally for further review. We will keep you updated with progress until we communicate a proposed resolution to your complaint. 3. If you are dissatisfied with the final outcome and a resolution can't be agreed on, you can escalate your complaint to our external dispute resolution provider, the **Insurance & Financial Services Ombudsman (IFSO)**. To do this you will need a Letter of Deadlock to confirm we have reached the end of our internal complaints process. You will have three months from the date of the Letter of Deadlock to lodge your complaint with the IFSO. They will consider your complaint if it is within their jurisdictional limits. The IFSO provides a free and independent service — please refer to their [website](https://www.ifso.nz/) for more details. ### Contact for Complaints **Phone:** New Zealand: 0800 145 433 (8:30am – 5pm, Monday – Friday) International: +64 995 15020 **Email:** complaints@partnerslife.co.nz **Write to:** Complaints Officer Partners Life Limited Private Bag 300995 Albany Auckland 0752 --- ## Dispute Resolution Scheme **External Dispute Resolution Provider:** Insurance & Financial Services Ombudsman Scheme (IFSO) **Website:** [www.ifso.nz](https://www.ifso.nz/) The IFSO provides a free and independent dispute resolution service. --- *Partners Life Limited is a licensed Financial Advice Provider under the Financial Markets Conduct Act 2013. FSP registration number: FSP110887.* --- ## https://financeadvisers.co.nz/api/provider/FSP118684/disclosure.md > _Markdown transcription of New Zealand Home Loans (cbc) Limited's Public Disclosure Statement, version 2026-05-24. Source: https://nzhl.co.nz/disclosure-statement/._ --- # Financial Advice Provider Disclosure Statement ## Licensing Information The New Zealand Home Loan Company Limited (**NZHL**, **we**, **us**) (FSP30301) holds a licence issued by the Financial Markets Authority to provide a financial advice service. NZHL also operates via franchises (**Franchises**) which are authorised under NZHL's licence to provide financial advice services. This disclosure statement relates to both NZHL and its Franchises. The NZHL financial advisers work for us or relevant Franchises. NZHL operates from two locations: 2/30 Ponsonby Road, Auckland, 1011 and L1, 903 Victoria Street, Hamilton, 3204. Contact us via email at [email protected] or call us on 0800 332 837. You can find information on the Franchises, their locations and how to contact them on our website at https://nzhl.co.nz/find-us/. --- ## Scope of Advice / Products NZHL and our Franchises provide financial advice services through our advisers on the products of the following lenders and insurers. - **Loans –** New Zealand Home Loan products (provided by Kiwibank), ASB Bank, and Liberty Financial. - **Insurance –** personal insurance from NZHL Life (provided by Fidelity Life), Fidelity Life, AIA, nib, and Partners Life. The disclosure statements of a financial adviser you meet with will list the products they can advise on. --- ## Fees and Charges We do not charge anything when you come to us for consultation. For home loans we charge an application fee for new mortgage finance and for additional mortgage finance where the mortgage finance is approved and settled. There is no application fee for insurance products. ### Home Loan Clawback We may be required to repay (in part or in full) the commission we receive from the lender in relation to your loan, if you repay or refinance your loan (in part or in full) within the first 24 months of your loan being advanced. We may charge you a fee to recover the value of that amount, up to a specified limit. ### Insurance Clawback We may be required to repay (in part or in full) the commission we receive from the insurer in relation to insurance you take out, if you cancel, reduce, or replace an insurance policy (or if the insurer cancels an insurance policy) within the first 24 months of the policy being issued. We may charge you a fee to recover the value of that amount, up to a specified limit. --- ## Commissions ### Loan Once your loan settles, NZHL will receive commission from the lender. The commission varies depending on the type of loan and the loan amount. This commission is shared with the Franchise and may be shared with your financial adviser. NZHL and the Franchise may continue to be paid an annual servicing commission for as long as your lending is active with NZHL. ### Insurance Once your insurance policy is issued, NZHL receives commission from the insurer. The commission amount is based on the premium for the first year of your policy and depends on the insurance provider and the policy you choose. This commission is shared with the Franchise and may be shared with your financial adviser. NZHL and the Franchise will continue to be paid an annual servicing commission for as long as you hold the policy with the insurer. To manage those conflicts of interest, NZHL advisers select the loan or insurance provider based only on your needs and circumstances. They follow NZHL's advice process to ensure the advice is tailored to your individual needs. NZHL also provides regular training on how advisers can best manage any conflict of interest to ensure your needs are prioritised. --- ## Conflicts of Interest NZHL is owned by Kiwi Group Capital Limited (**KGC**). KGC also owns Kiwibank Limited who are a home loan provider for NZHL. NZHL owns NZHL Mortgage Advisory Limited who you may be referred to by us, a Franchise, or a financial adviser. NZHL also has a majority shareholding in Link Financial Group 2022 Limited. Link Financial Group 2022 Limited has a majority shareholding in Insurance Link General Limited ("FG Link") who you may be referred to by us, a Franchise, or a financial adviser. The Franchises are companies and operate as part of the NZHL network. They are not owned by KGC. To manage those conflicts of interest, NZHL advisers select the loan or insurance provider based only on your needs and circumstances. They follow NZHL's advice process to ensure the advice is tailored to your individual needs. NZHL also provides regular training on how advisers can best manage any conflict of interest to ensure your needs are prioritised. --- ## Ownership Disclosure | Entity | Ownership | |---|---| | NZHL (The New Zealand Home Loan Company Limited) | Owned by Kiwi Group Capital Limited (KGC) | | Kiwibank Limited | Also owned by KGC | | NZHL Mortgage Advisory Limited | Owned by NZHL | | Link Financial Group 2022 Limited | Majority shareholding held by NZHL | | Insurance Link General Limited ("FG Link") | Majority shareholding held by Link Financial Group 2022 Limited | | Franchises | Not owned by KGC; operate as part of the NZHL network | --- ## Complaints and Dispute Resolution Process Your feedback is very important to us. NZHL has a three-stage complaints process: 1. **Start with your NZHL Franchise –** If you have a problem or concern, please talk to your financial adviser or the Franchise they work for. NZHL Franchise contact details can be found at https://nzhl.co.nz/find-us/. The Franchise will acknowledge your complaint within 2 working days and outline the next steps, with the aim of making a final decision within 10 working days of receiving your complaint. 2. **Escalate to NZHL Support Office –** If you are not happy with how your NZHL Franchise has proposed to resolve your complaint or handled your complaint, you can complete the NZHL complaints form at https://nzhl.co.nz/complaints/, email us at [email protected], or call us on 0800 332 837. This will escalate your complaint to the NZHL Support Office (as the licensed Financial Advice Provider) who will review your complaint and endeavour to find a resolution with you on behalf of the NZHL Franchise. NZHL will acknowledge your complaint within 2 working days. NZHL aims to make a final decision within 10 working days of receiving your complaint. Sometimes more time will be required; however, we will keep you updated throughout the process. 3. **External Dispute Resolution –** If you are still not happy with the resolution provided or with the way your complaint was handled by NZHL or the Franchise, you can refer your complaint to NZHL's nominated disputes resolution service, **Financial Services Complaints Limited (FSCL)**. ### Financial Services Complaints Limited (FSCL) FSCL is a Financial Ombudsman Service and is **free** for NZHL and Franchise clients. - **Website:** www.fscl.org.nz - **Phone:** 0800 347 257 - **Email:** [email protected] - **Post:** Financial Services Complaints Limited, PO Box 5967, Wellington 6140 --- ## Our Duties and Obligations NZHL, the Franchises, and anyone who gives financial advice on their behalf, have duties under the Financial Markets Conduct Act 2013 relating to that advice. They are required to: - give priority to your interests by taking all reasonable steps to make sure our advice isn't 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) --- *Note: Individual financial adviser disclosure statements are referenced but not reproduced here. The disclosure statement of the financial adviser you meet with will list the specific products they can advise on.* --- ## https://financeadvisers.co.nz/api/provider/FSP119349/disclosure.md > _Markdown transcription of Zest 2008 Limited's Public Disclosure Statement, version 2026-05-18. Source: http://www.zestbrokers.co.nz/wp-content/uploads/2026/02/Website-disclosure-Zest-2008-Limited-JAN-26.pdf._ --- # DISCLOSURE STATEMENT FOR ZEST 2008 LIMITED **This disclosure statement was prepared on:** 11/10/2024 ## It is important that you read this document This information will help you to choose a financial advice provider that best suits your needs. It will also provide some useful information about the financial advice provider. ## Licensing information Zest 2008 Limited (FSP119349) trading as Zest Brokers holds a licence issued by the Financial Markets Authority (the government agency that monitors financial advisers). ## Nature and scope of the financial advice given Zest 2008 Limited provides advice to our clients about their Life, Health & Disability Insurances, as well as Home Loans and KiwiSaver & Investments. We are able to provide financial advice from the following product providers: | Category | Providers | |----------|-----------| | **Risk Insurance** | • AIA.• Asteron Life.• Chubb Life.• Fidelity Life.• Partners Life.• Resolution Life. (ex AMP) | | **Health Insurance** | • Accuro.• AIA.• NIB.• Partners Life.• Southern Cross.• UniMed. | | **Business Insurance** | • AIA.• Asteron Life.• Chubb Life.• Fidelity Life.• Partners Life. | | **Personal & Home Loans** | • ANZ Bank.• ASB Bank.• BNZ Bank.• Westpac Bank.• Kiwibank.• Sovereign (Go) Home Loans.• SBS Bank.• Heartland Bank.• Co-operative Bank.• A number of other non bank lenders. | | **KiwiSaver & Investments** | • AMP.• Booster.• NZ Funds.• Generate.• Milford.• ANZ.• Lifetime Asset Management. | Any financial advice we provide will take only take into account the information you have given us about your particular needs, financial situation or goals. ## What are my obligations? Zest 2008 Limited, and anyone who gives financial advice on their 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 my advice isn't materially influenced by my 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 I 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 I treat you as I 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 https://www.fma.govt.nz. The Code of Conduct standards can be read here: https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf. ## How do we get paid for the services that I provide to you? ### Risk Insurance and Health Insurance For risk insurance and health insurance, Zest 2008 Limited will receive commissions from the insurance companies on whose policies we give advice on. If you decide to take out insurance, the insurer will pay a commission to Zest 2008 Limited as indicated below: - The commissions range between 75 - 230% (risk) and 10 - 135% (health) of the first year of premiums for your policy. The amount depends on which insurance company and which insurance policy you choose. - We also receive an ongoing commission of between 5 - 35% of the premium for each year the policy remains in force. The amount depends on which insurance company and which insurance policy you choose. ### KiwiSaver and Investment Products For KiwiSaver and investment products, Zest 2008 Limited will receive commissions from the provider on whose plans we give advice on. If you decide to take out KiwiSaver or a superannuation plan, the provider will pay a commission to Zest 2008 Limited as indicated below: - The commissions range between $0 - $300 upfront. - We also receive an ongoing commission of between 0.20 - 0.40% of the funds under management each year the plan remains in force. The amount depends on which provider and plan you choose. ### Mortgage Advice For mortgage advice, Zest 2008 Limited will receive commissions from the bank/lender. If you decide to take out a loan, the bank/lender will pay commission to Zest 2008 Limited as indicated below: - The commissions for the bank lenders range between 0.55 - 0.85% of the value of the mortgage. The amount depends on which bank lender and what type of mortgage you choose. - The commissions for the non-bank lenders range between 0.60 - 0.70% of the value of the mortgage. The amount depends on which non-bank lender and what type of mortgage you choose. - We may also receive an ongoing commission of between 0.15 - 0.20% of the remaining balance of your loan each year. The amount depends on which bank/lender and what type of mortgage you choose. ## Fees Most of the time, our services are completely free. That's because instead of being paid by you, we receive revenue from our product suppliers like banks and insurers. However, for Lending, we may charge a fee for the financial advice provided to you where you restructure or repay your loan within 27 months of inception. Whether a fee will be charged and the manner in which it will be charged will be advised when the advice is provided to you. This fee will be payable by the 20th of the month after the loan has been restructured or repaid. We may also charge you a one-off fee if you request that I provide services in relation to a product or service and we do not receive a commission for. Any such fee would be agreed and authorised by you in writing before we complete the services. This may arise in the rare event that you request that we provide services in relation to either a product that is offered by a provider that we do not hold an accreditation with, or a product that is outside our usual arrangements with our product providers. Or, if you cancel your insurance within 24 months of its start date, the insurer will reclaim any commission paid to us. If you do so without allowing us the chance to help you review your options, we will charge a fee based on the time spent getting the insurance approved and implemented. The hourly rate for this service is $350 +GST, with a maximum clawback charge of $3,000 +GST. ## How we manage conflicts of interest and incentives? To ensure that we prioritise your interests above my own, we follow an advice process that ensures recommendations are made on the basis of your individual needs and circumstances. We complete ongoing training about how to manage conflicts of interest. We maintain registers that record conflicts of interest, and the gifts/incentives we may receive. Zest 2008 Limited monitors these registers and provides additional training where necessary. Zest 2008 Limited undertake a compliance audit, and a review of our compliance programme annually by a compliance officer. ## What should you do if something goes wrong? If you are not satisfied with our financial advice service, you can make a compliant to: **Name:** Larn Robinson **Address:** Zest 2008 Limited, PO Box 1761, Taupo 3351 **Phone:** 021 331 858 **Email:** larn@zestbrokers.co.nz 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact Financial Services Complaints Limited. Financial Services Complaints Limited provide a free, independent dispute resolution service that may help investigate or resolve your complaint if we haven't been able to resolve your complaint to your satisfaction. You can contact Financial Services Complaints Ltd (FSCL) - A Financial Ombudsman Service on: **Address:** Financial Services Complaints Limited, PO Box 5967, Wellington 6145 **Phone:** 0800 347 257 **Email:** complaints@fscl.org.nz **Website:** http://www.fscl.org.nz/ ## Contact Details Zest 2008 Limited (FSP119349) trading as Zest Brokers is the Licensed Financial Advice Provider. You can contact us at: **Phone:** 0508 ZEST ME **Email:** taupo@zestbrokers.co.nz **Address:** 11 Tongariro Street, Taupo This information is available in writing upon request. --- ## https://financeadvisers.co.nz/api/provider/FSP13061/disclosure.md > _Markdown transcription of Lifetime Group Limited's Public Disclosure Statement, version 2026-05-18. Source: https://www.lifetime.co.nz/assets/about/Welcome-To-Lifetime.pdf._ --- # Lifetime Public Disclosure Statement ## Welcome If you're reading this, chances are you're about to engage on your journey to financial freedom, exciting times! Before we get started though, it's important that you know a little about us so you can make an informed choice if we are the right financial partners for you. As always, if you have any questions, we're here to help. ## Contents - [About Lifetime](#about-lifetime) - [Lifetime At A Glance](#lifetime-at-a-glance) - [Our Story](#our-story) - [Why Lifetime](#why-lifetime) - [Partners](#partners) - [Product Partners](#product-partners) - [Professional Referrals](#professional-referrals) - [Professional Standards](#professional-standards) - [Licencing](#licencing) - [Conduct](#conduct) - [Training](#training) - [Conflicts Of Interest](#conflicts-of-interest) - [Service Delivery](#service-delivery) - [Fees & Commissions](#fees--commissions) - [Privacy](#privacy) - [Feedback](#feedback) --- ## About Lifetime ### Lifetime At A Glance | Metric | Value | |--------|-------| | Clients Advised | 100,000+ | | Funds Under Advice | $2B | | Offices in New Zealand | 13 | | Staff | 155+ | | Client Satisfaction | 4.6/5 | | Clients Achieved Their Financial Objectives with Lifetime | 90% | ### A Different Kind of Financial Advice Lifetime. It's a little word with a pretty big meaning. And because you only get the one, it's good to know that there's now a single place for financial advice covering all the 'must haves', the 'would likes' and the 'what if's'. We get that money means different things to different people. But we all agree that it's better to have it, than not. Our services start with a chat, and end with an action plan, using our insights and our knowhow to help you kick some real goals. All so you can build a better life on the journey ahead. For a lifetime. #### Advice for Life Journey | Stage | Description | |-------|-------------| | Engage | It all starts with a chat, to get to know you. | | Discover | We take a deep dive into your goals. | | Analyse | Then, we crunch the numbers. | | Plan | We work with you to develop an action plan. | | Action | Together, we put the plan into action. | | Partner | And we partner, to help keep you on track. | **Underlying Process:** Qualify → Learn → Collate → Assemble → Agree → Progress → Service ### Our Story With roots in New Zealand financial services since the 1980s, Lifetime has grown and evolved over the decades. With a passion for quality advice at the heart of all we do, Lifetime has attracted a number of partners over the years who have merged into the Lifetime of today. Though the name may have changed over the years, the ethos has always remained the same – creating greater financial certainty for clients through all life stages. Today, Lifetime employs over 155 people in 13 locations throughout New Zealand. As a market leader in financial advice, Lifetime is proud to have advised over 100,000 clients and currently manages $2 billion in investment funds. ### Why Lifetime Our purpose is to create greater financial certainty through all life stages. We believe everyone deserves to have access to honest, tested, life-enhancing advice to make good money decisions, for the betterment of their today, and tomorrow. We all know money doesn't buy happiness, but it can buy time and opportunity. Financial prosperity and protection should not be exclusive to those with connections, wealth or a particular surname. We believe everyone deserves a chance to realise their goals in life, and with great advice, we're here to help you do just that. Because success can't always be measured in wealth; your goals define our success. We understand life can be a bit unpredictable, so we bring together a unique set of skills to help provide clarity and insight for your financial future. One such skill all our advisers have; listening. We are here to understand your goals in life and learn what is important to you about money. Only then can we tailor a plan specific to your needs. You can be assured that when you are working with a Lifetime adviser, you are in the care of an entire team of experienced professionals. Whether you are just getting started with KiwiSaver, planning to buy your first home, protecting your financial position, or looking to grow your wealth – we can design a personal financial plan for you. Each life is unique, so should be your financial strategy. In today's world of information, everything is at your fingertips. It can seem easy to find out what you think you need to know about financial planning. The hardest part is knowing if you are making the right decisions. At Lifetime, we will answer the questions you didn't know you had to ask. We deliver this through a wide range of financial services, including: - KiwiSaver structure and management. - Personal and business insurance for life, health and income. - Domestic and commercial general insurance. - Residential, investment and commercial property lending. - Investment and wealth management. - Financial and retirement planning. We deliver this with our Advice For Life philosophy; working in partnership with our clients to ensure your financial plans keep pace with your life. For the 'must haves', the 'would likes' and the 'what ifs', through the ups and the downs, for your lifetime. #### Lifetime's Guiding Principles - **People First** – putting clients at the centre - **Integrity** – operating with honesty and transparency - **Teamwork** – collaborating across our business - **Courage** – making decisions in clients' best interests - **Continuous Improvement** – constantly enhancing our services --- ## Partners ### Product Partners Lifetime works with a group of well-established suppliers with whom we have contractual relationships. We have a close working relationship with these companies, which assists us in providing you with the best possible solution. A full list of these suppliers can be found on our website: https://www.lifetime.co.nz/about-us/providers/ #### Products We Can Advise On - KiwiSaver investments. - Other Investments (managed funds, term deposits and debt securities). - UK Pension and International Superannuation Transfers. - Personal, business and group Insurance (health cover, life cover, disability, income protection and trauma). - Domestic General Insurance (house, contents and landlords cover, motor vehicle and boat insurance). - Commercial General Insurance (commercial property, business interruption, commercial motor, marine liability, professional liability, and cyber insurance). - Loans including mortgages, reverse mortgages and deposit bonds. ### Referrals To Other Professionals If at any time the potential need arises for the use of another professional, we will undertake to refer you to an appropriate professional. If an appropriate professional cannot be located, we will undertake to advise you as soon as possible so that you may engage a professional of your choice. --- ## Professional Standards ### Licencing Lifetime is regulated by the Financial Markets Authority (FMA) and holds two licences under the Financial Markets Conduct Act 2013. - **Financial Advice Providers Licence** registered under FSP13061 - **Discretionary Investments Management Services Licence** registered under FSP422586 You can view these online via the publicly available Financial Services Providers Register. #### Contact You can contact us either by writing to us or coming to see us at one of our many locations across the country. **Head Office:** 520 Colombo Street, Christchurch, 8011, New Zealand **Phone:** 0800 65 64 66 **Website:** https://www.lifetime.co.nz/contact-us/ ### Conduct Our services are bound by the duties of the Financial Markets Conduct Act to give priority to your interests as our client and exercise care diligence and skills in how we do business with you, your family, or your business. To learn more about our licences please visit the Financial Markets Authority site. https://www.fma.govt.nz/compliance/role/financial-advice-provider/ Lifetime and all our advisers adhere to the Code of Professional Conduct for Financial Advice Services in all facets of our practice. The Code sets out industry standards of competence, ethical behaviour, conduct, and care. ### Training Every Lifetime Financial Adviser undergoes ongoing professional development and training at Lifetime. #### Lifetime Academy Lifetime is dedicated to supporting education across our business and have an internal academy tasked with ongoing training for all teams with attention on client outcomes, best practice and compliance to legislative requirements. #### Strategi Group We partner with Strategi Group who facilitate the industry NZQA qualification for all our advisers and also provide us with oversight on our regulatory obligations. Strategi is an experienced specialist in the financial services industry in the provision of compliance, training and consulting services to financial advisers. ### Conflicts Of Interest As a provider of professional financial advice services, Lifetime and its Financial Advisers are committed to prioritising the interests of clients when providing advice. To ensure transparency, we address potential conflicts of interest through several measures. **Lifetime Financial Advisers are salaried employees and do not receive any individual compensation from Product Providers based on the solutions recommended or implemented.** To maintain objectivity, we are not under any commercial obligation to favour any particular Product Provider. However, there may be instances where Lifetime and its Financial Advisers receive additional benefits from these Providers based on the business we place with them. Such benefits may include special events, entertainment, or other incentives, and these can vary depending on the Provider and over time. Whether or not to accept such benefits is determined at Lifetime's discretion. Lifetime has established a policy for managing conflicts of interest. Should any actual or potential conflict arise, your Lifetime Financial Adviser will promptly inform you, allowing you to assess the advice provided with full objectivity. #### Other Interests ##### Booster Financial Services Limited (BFSL) BFSL and its associated subsidiaries, is a privately-owned company providing investment management, research, portfolio administration, technology solutions, software and marketing services to Lifetime. Lifetime & BFSL have a history dating back to 1998 working together to deliver investment solutions to clients of Lifetime. As a result of this relationship some shareholders in Lifetime may have a minority shareholding in BFSL, from which they may receive dividends from time to time. Conversely some shareholders in BFSL may have a minority shareholding in Lifetime, from which they may receive dividends from time to time. ##### Booster Tahi Limited Partnership (TAHI) TAHI is a private equity fund who partner with and provide capital to help small to medium size business grow long-term sustainable earnings. Booster Financial Services Group Booster Funds Management Limited, a 100% wholly owned subsidiaries of BFSL, is the Investment Manager of TAHI. Booster Tahi GP Limited, a 100% wholly owned subsidiary of BFSL is the General Partner of TAHI. TAHI has a material shareholding interest in Lifetime and may receive dividends from time to time. ##### Other Interests To the best of our knowledge and belief Lifetime is not aware of any other existing or potential conflicts of interest which could impair our impartiality and objectivity as providers of professional services and financial advice. If we do become aware of such conflict before you purchase any products or services, we will inform you as soon as we become aware. --- ## Service Delivery ### Fees & Commissions As our financial advisers are salaried employees all fees and commissions are received by Lifetime as a business. The remuneration that is generated for the advice and service we provide is to support the quality of our business and our relationship with clients now and for their Lifetime. The actual fee charged to you and remuneration we receive will depend on the nature and scope of the advice or service we provide. We will discuss and agree the actual fees with you before we proceed and explain how they are payable and explain how we are remunerated. #### Advice Fees Lifetime may charge a fee for the planning and/or implementation of advice. These fees will be determined by the complexity of the plan and will only apply if agreed with you before any engagement for our services. - The fees charged for our advice and services may be based on a combination of a set dollar amount, or a percentage based fee. - Our agreed advice and service fees may include charges for initial advice, ongoing or annual advice and services. #### Commissions For services in relation to insurance, some investment products and loan products, commissions may be paid by the product provider as follows: - Initial commission - a percentage of the value of your investment contributions, loan balance or insurance premiums; and - Ongoing commission - a percentage of the value of your investment balance, outstanding loan amount or premiums, usually calculated at the end of each month in which you hold the investment or loan, or on renewal of insurance products. #### Other Fees & Charges If applicable Lifetime may charge a fee for other agreed services. In this case, this will be agreed with you initially. ### Your Privacy At Lifetime, we believe that privacy is paramount. It's important to us that you understand how we collect, retain, and use personal information about you, your company, Partnership or Trust to provide you with the services we agree upon. This information is held at our offices and on our systems, which are secure, and cloud based. Under the Privacy Act 2020, you will have access to, or be able to correct any of this information at any time. Lifetime may be obliged to disclose information by law, under Court Orders or Statutory Notices or to industry regulators or independent compliance personnel as part of Lifetime's requirements to meet regulatory and industry standards. You can read our Privacy Statement by visiting our website: [Privacy » Lifetime](https://www.lifetime.co.nz/privacy/) ### Feedback #### Not Happy? We Want to Make Things Right. At Lifetime, people are at the heart of everything we do, so if you have had an experience that didn't meet your expectations, we want to hear about it. We aim to resolve any complaints and concerns efficiently, with professionalism and courtesy. If you have a concern, or complaint about any part of our service, please contact us so that we can rectify the problem. You may contact us by either completing our online form or by communicating directly with our Quality Assurance Team. #### Contacts **General Manager, Standards & Quality Assurance** - **Online:** lifetime.co.nz/about-us/feedbackcomplaints - **Post:** Quality & Assurance Manager, Lifetime Group Ltd, PO Box 25130, Christchurch 8144 - **Email:** quality.assurance@lifetime.co.nz - **Phone:** 0800 656 466 **Financial Disputes Resolution Services** - **Post:** Freepost 231075, PO Box 2272, Wellington 6145 - **Email:** enquiries@fdrs.org.nz - **Phone:** 0508 337 337 - **Website:** https://fdrs.org.nz All Financial Advice Providers are required to be a member of an approved Disputes Resolution Scheme. In the unlikely event where we are unable to find a resolution, you can contact our DRS, Financial Disputes Resolution Services. They are an independent, not-for-profit external dispute resolution scheme that may be able to assist you in resolving the matter at no cost. --- **Lifetime Public Disclosure** **Version 2.4** **Last Updated August 2024** --- ## https://financeadvisers.co.nz/api/provider/FSP131685/disclosure.md > _Markdown transcription of New Zealand Home Loans Blenheim Limited's Public Disclosure Statement, version 2026-05-24. Source: https://nzhl.co.nz/disclosure-statement/._ --- # Financial Advice Provider Disclosure Statement ## Licensing Information The New Zealand Home Loan Company Limited (**NZHL**, **we**, **us**) (FSP30301) holds a licence issued by the Financial Markets Authority to provide a financial advice service. NZHL also operates via franchises (**Franchises**) which are authorised under NZHL's licence to provide financial advice services. This disclosure statement relates to both NZHL and its Franchises. The NZHL financial advisers work for us or relevant Franchises. NZHL operates from two locations: 2/30 Ponsonby Road, Auckland, 1011 and L1, 903 Victoria Street, Hamilton, 3204. Contact us via email at [info@nzhl.co.nz] or call us on **0800 332 837**. You can find information on the Franchises, their locations and how to contact them on our website at [https://nzhl.co.nz/find-us/](https://nzhl.co.nz/find-us/). --- ## Scope of Advice / Products NZHL and our Franchises provide financial advice services through our advisers on the products of the following lenders and insurers: - **Loans –** New Zealand Home Loan products (provided by Kiwibank), ASB Bank, and Liberty Financial. - **Insurance –** personal insurance from NZHL Life (provided by Fidelity Life), Fidelity Life, AIA, nib, and Partners Life. The disclosure statements of a financial adviser you meet with will list the products they can advise on. --- ## Fees We do not charge anything when you come to us for consultation. For home loans we charge an application fee for new mortgage finance and for additional mortgage finance where the mortgage finance is approved and settled. There is no application fee for insurance products. ### Home Loan Clawback We may be required to repay (in part or in full) the commission we receive from the lender in relation to your loan, if you repay or refinance your loan (in part or in full) within the first 24 months of your loan being advanced. We may charge you a fee to recover the value of that amount, up to a specified limit. ### Insurance Clawback We may be required to repay (in part or in full) the commission we receive from the insurer in relation to insurance you take out, if you cancel, reduce, or replace an insurance policy (or if the insurer cancels an insurance policy) within the first 24 months of the policy being issued. We may charge you a fee to recover the value of that amount, up to a specified limit. --- ## Commission Disclosures **Loan:** Once your loan settles, NZHL will receive commission from the lender. The commission varies depending on the type of loan and the loan amount. This commission is shared with the Franchise and may be shared with your financial adviser. NZHL and the Franchise may continue to be paid an annual servicing commission for as long as your lending is active with NZHL. **Insurance:** Once your insurance policy is issued, NZHL receives commission from the insurer. The commission amount is based on the premium for the first year of your policy and depends on the insurance provider and the policy you choose. This commission is shared with the Franchise and may be shared with your financial adviser. NZHL and the Franchise will continue to be paid an annual servicing commission for as long as you hold the policy with the insurer. To manage those conflicts of interest, NZHL advisers select the loan or insurance provider based only on your needs and circumstances. They follow NZHL's advice process to ensure the advice is tailored to your individual needs. NZHL also provides regular training on how advisers can best manage any conflict of interest to ensure your needs are prioritised. --- ## Conflicts of Interest - NZHL is owned by **Kiwi Group Capital Limited (KGC)**. KGC also owns **Kiwibank Limited**, who are a home loan provider for NZHL. - NZHL owns **NZHL Mortgage Advisory Limited**, who you may be referred to by us, a Franchise, or a financial adviser. - NZHL also has a majority shareholding in **Link Financial Group 2022 Limited**. Link Financial Group 2022 Limited has a majority shareholding in **Insurance Link General Limited ("FG Link")**, who you may be referred to by us, a Franchise, or a financial adviser. - The Franchises are companies and operate as part of the NZHL network. They are not owned by KGC. To manage those conflicts of interest, NZHL advisers select the loan or insurance provider based only on your needs and circumstances. They follow NZHL's advice process to ensure the advice is tailored to your individual needs. NZHL also provides regular training on how advisers can best manage any conflict of interest to ensure your needs are prioritised. --- ## Ownership Disclosure NZHL (FSP30301) is owned by **Kiwi Group Capital Limited (KGC)**, which also owns **Kiwibank Limited**. --- ## Complaints and Dispute Resolution Process Your feedback is very important to us. NZHL has a three-stage complaints process: 1. **Start with your NZHL Franchise –** If you have a problem or concern, please talk to your financial adviser or the Franchise they work for. NZHL Franchise contact details can be found on the NZHL website. The Franchise will acknowledge your complaint within **2 working days** and outline the next steps, with the aim of making a final decision within **10 working days** of receiving your complaint. 2. **Escalate to NZHL Support Office –** If you are not happy with how your NZHL Franchise has proposed to resolve or handled your complaint, you can complete the NZHL complaints form at [https://nzhl.co.nz/complaints/](https://nzhl.co.nz/complaints/), email [complaints@nzhl.co.nz], or call **0800 332 837**. This will escalate your complaint to the NZHL Support Office (as the licensed Financial Advice Provider) who will review your complaint and endeavour to find a resolution on behalf of the NZHL Franchise. NZHL will acknowledge your complaint within **2 working days** and aims to make a final decision within **10 working days** of receiving your complaint. 3. **External Dispute Resolution –** If you are still not happy with the resolution or the way your complaint was handled, you can refer your complaint to NZHL's nominated disputes resolution service: ### Financial Services Complaints Limited (FSCL) FSCL is a Financial Ombudsman Service and is **free** for NZHL and Franchise clients. | Contact Method | Details | |---|---| | Phone | 0800 347 257 | | Email | [complaints@fscl.org.nz] | | Post | Financial Services Complaints Limited, PO Box 5967, Wellington 6140 | | Website | [www.fscl.org.nz](http://www.fscl.org.nz/) | --- ## Duties and Obligations NZHL, the Franchises, and anyone who gives financial advice on their behalf, have duties under the **Financial Markets Conduct Act 2013** relating to that advice. They are required to: - Give priority to your interests by taking all reasonable steps to make sure our advice isn't 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). --- *Note: This disclosure statement refers to individual financial adviser disclosure statements, which list the specific products each adviser can advise on. See individual adviser disclosures for adviser-level details.* --- ## https://financeadvisers.co.nz/api/provider/FSP136364/disclosure.md > _Markdown transcription of Squirrel Mortgages Limited's Public Disclosure Statement, version 2026-05-18. Source: https://www.squirrel.co.nz/disclosure-statement._ --- # Disclosure Statement We (Squirrel Money Limited) are required by law to provide a disclosure statement in connection with our peer-to-peer lending service provided on the Platform. This document is that disclosure statement. Capitalised terms used in this disclosure statement have the meanings set out under the heading "Definitions and interpretation" in the Platform and Website Terms and Conditions. **Date: 20/02/2026 Version 2.7** ## Licensing 1. We are licensed under the Financial Markets Conduct Act 2013 by the Financial Markets Authority to provide peer-to-peer lending services in New Zealand. 2. We are registered on the Register of Financial Service Providers in accordance with the requirements of the Financial Service Providers (Registration and Dispute Resolution) Act 2008 to provide peer-to-peer lending services and as a creditor under a credit contract. 3. As the Platform's lender of record, Squirrel P2P Trustee Limited (as Trustee) is registered on the FSPR as a creditor under a credit contract and to provide custodial services. We may appoint additional Trustees from time to time (for example, for Wholesale Investors). ## What services do we provide? 4. We provide peer-to-peer and wholesale lending services through the Platform. The Platform enables a Borrower to raise finance which is funded by Investors through the Platform. 5. Investors appoint the Trustee to act as bare trustee under a separate bare trust in relation to the Investor's interest in their On-Call Account and in each Loan in which the Investor is participating. An Investor will not deal directly with the Borrower and all correspondence and actions in respect of the Borrower and/or the Loan are undertaken by the Trustee or by us on the Trustee's behalf. 6. Investors and the Trustee appoint us to act as agent for a number of services provided in relation to the Platform including entering into agreements on behalf of Investors, opening and administering bank accounts, transferring funds and settling Loans and administering and enforcing the terms of the Loans. 7. In order to help protect against default by Borrowers, we may establish one or more Reserve Funds in relation to Loans made under the Platform. Subject to certain requirements, a Reserve Fund will be used in the event of non-payment and/or default by the Borrower under a Loan Agreement covered by that Reserve Fund from time to time. The current balances of the various Reserve Funds can be accessed here. 8. The existence of a Reserve Fund does not in any way relieve the Borrower or any Guarantor from their respective obligations under the Loan Agreement. 9. We may at any time permit secondary transactions in relation to Investor's interests in Loans by allowing Investors to request a transfer of those interests through matching with Investment Orders placed by other Investors via the Secondary Market. Where all or part of a Loan is funded by us or an entity associated with us, we may transfer our interest to an Investor or Investors via the Secondary Market. In these circumstances, the Secondary Market Rules apply. 10. Further details regarding the services provided by us are set out in the following documents which are available on the Platform and which can be accessed here: a. Platform and Website Terms and Conditions; b. Investor Agreement; c. Borrower Agreement; d. Fair Dealing Policy; e. Reserve Fund Policy; f. Secondary Market Rules; g. Loan Agreements; and h. Privacy Policy. ## How do Investors apply for, and obtain, access to the Platform? 11. In order to use the Platform, a prospective Investor must apply for membership to the Platform using the online application form. Any person can apply to be a member on their own behalf or on behalf of an entity or trust. 12. In order to be accepted as a member of the Platform, individuals must: a. be a permanent New Zealand resident; b. be 18 years of age or older at the time of submitting the application; c. have a New Zealand domiciled bank account; d. fully and completely provide all of the information required in the application form; e. complete all verification processes in relation to your identity and personal information to our satisfaction; and f. not be carrying on the business of being a creditor under a credit contract (as defined in the CCCFA), unless registered to do so on the FSPR; and g. meet any other requirements notified by us from time to time. 13. We may apply different eligibility criteria for trusts, entities or Wholesale Investors. In particular, we may require Wholesale Investors to be "wholesale investors" for the purposes of the FMCA. 14. Once an application for membership of the Platform has been accepted by us, the prospective Investor may apply to be an Investor on the Platform by submitting an application to become an Investor, meeting any additional eligibility requirements for Investors notified by us from time to time and providing all of the information required in the Investor application form. ## How do Borrowers apply for, and obtain, access to the Platform? 15. In order to use the Platform, a Borrower must first apply for membership to the Platform and meet the eligibility requirements set out in relation to Investors (per paragraphs 12 and 13 above). 16. Once an application for membership of the Platform has been accepted by us, the prospective Borrower may apply to be a Borrower on the Platform. 17. In order to become a Borrower on the Platform, the prospective Borrower needs to submit an application to become a Borrower, complete all credit checks and assessments and provide all of the information required by us. 18. The Borrower will be subject to credit checks, including a credit assessment based on the length of current employment, income and earnings, debt servicing and other relevant factors in order to assess the Borrower's creditworthiness. The Borrower will also be subject to verification procedures prior to being accepted as a Borrower on the Platform. Further detail on the checks we may carry out is contained in the Platform and Website Terms and Conditions. 19. Once an application to become a Borrower has been accepted by us, they will be approved as a Borrower and may use the Platform to apply to list a Loan on the Platform subject to the terms and conditions set out in the Borrower Agreement, the other Borrower Documents and the Fair Dealing Policy. ## How are Loans advanced on the Platform? 20. A Borrower may apply for a Loan and will be credit checked by us, assigned an interest rate, and, following provision of the Borrower Disclosure to the Borrower and any Guarantor (where required), will enter into a Loan Agreement with the Trustee (on behalf of participating Investors to be identified through the matching process below). Loan Agreements are conditional on sufficient Investment Orders from Investors being successfully matched to the Loan. 21. Investors may submit an Investment Order to participate in Loans. Once submitted, the Investment Order is a binding offer to participate in a Loan unless withdrawn before it has been matched with a Loan and the full value of the Loan is met. 22. We reserve the right to cancel Investment Orders where an Investment Class is to be closed, grandfathered, or we suspect fraudulent use of the Platform. Where an Investment Class is to be closed, we or an entity associated with us may be permitted to place orders to support the orderly operation of the Secondary Market for existing investors of that Investment Class. 23. Investors may request to transfer their interest in a Loan on the Platform via the Secondary Market. An Investment Order may match with a new Loan or a Loan being transferred via the Secondary Market. 24. Subject to paragraph 25, we will match Investment Orders with Loans on the basis of the following criteria: ### For new Loans a. Loans are ranked on a "first come, first served" basis, with Loans submitted earliest in time having priority over later submitted Loans. b. Investment Orders are ranked on a "first come, first served" basis within each Investment Class and Investment Term, with Investment Orders submitted earliest in time having priority over later submitted Investment Orders. c. Once Loans and Investment Orders have been ranked on the basis set out above, the first ranked Investment Order will be matched with the first ranked Loan up to the full value of the Investment Order (where the value of the Loan is equal to, or exceeds, the Investment Order) or the full value of the Loan (where the value of the Loan is less than the Investment Order). d. Where the first ranked Loan exceeds the first ranked Investment Order, the first ranked Investment Order will be matched with the Loan and lower ranking Investment Orders (in the order of priority as determined above) will subsequently be matched until the full value of the Loan is met. e. Where the full amount of an Investor's Investment Order is not matched under a Loan, the balance of the Investment Order will remain on the Platform to be matched to Loan(s) on the basis set out above, unless the balance of the Investment Order is earlier withdrawn by the Investor. f. Once one or more Investment Orders have been matched to a Loan so that the full value of the Loan has been met, we will proceed to settle the Loan under the terms of the Loan Agreement. g. We reserve the right to withdraw an Investment Order that has not been matched to a Loan if we consider it appropriate. ### For Loans transferred via the Secondary Market h. Interests in Loans for transfer are ranked on a "first come, first served" basis, with interests in Loans submitted for transfer earliest in time having priority over later submitted interests in Loans put up for transfer. i. An Investment Order will be automatically matched with an interest in a Loan via the Secondary Market where the Investment Order meets the Automatic Transfer Criteria as described in the Secondary Market Rules. j. In the event that there is more than one Investment Order which meets the Automatic Transfer Criteria, eligible Investment Orders will be ranked on a "first come, first served" basis, with Investment Orders submitted earliest in time having priority over later submitted Investment Orders. k. Where an interest in a Loan available for transfer on the Secondary Market cannot be matched to available Investment Orders under the Automatic Transfer Criteria, the Secondary Transfer Criteria (as described in the Secondary Market Rules) will be applied by the Platform. l. Once the transferring Investor's interest in the Loan is matched with an Investment Order on the basis set out above, the transferring Investor will be notified of the match and the Trustee will arrange for the repayment to the Investor of the outstanding balance of their interest in the Loan. m. Where the full amount of an Investment Order is not matched via the Secondary Market, or the person submitting the Investment Order declines to accept an offer to be matched with an interest in a Loan for transfer, the balance of the Investment Order will remain on the Platform to be matched with Loans on the basis set out in these terms. n. Where we are aware that the interest rate of a Loan to be transferred via the Secondary Market is less than the prevailing interest rate for that Investment Class, or a Credit Event has occurred in relation to a Loan to be transferred via the Secondary Market, being: i. the Borrower has previously missed a payment due under the Loan (whether or not the default in payment has been covered by the Reserve Fund); or ii. the Loan is currently in arrears; or iii. there has been a material adverse change in the Borrower's credit profile from the position in the credit assessment undertaken by us prior to the Loan being advanced to the Borrower, we will disclose the Interest Rate and/or Credit Event to prospective Investor(s) and the interest in the Loan will only be transferred where the prospective Investor(s) have indicated via the Platform that they accept the offer of the interest in the Loan having been made aware of the Interest rate and/or Credit Event. o. Where there is an interest in a Loan available for transfer on the Secondary Market, the transfer will be first offered to Squirrel in the capacity of an Investor. Squirrel may choose to accept the offer within the first 3 business days of the Loan becoming available. 25. Investors should be aware that we may not have performed a credit assessment of the Borrower(s) since the Loan to be transferred via the Secondary Market was first entered into and therefore there may be events that affect the creditworthiness of the Borrower(s) since the Loan was entered into, including, without limitation, a Credit Event, which are not known to us or Investors. 26. Where the balance of a Loan to be matched with an Investment Order via the Platform from time to time is less than $100, we may fund the balance of the Loan in order to ensure the efficient operation of the Platform. 27. Interests in Homeowners Loans will automatically roll over following the 12-month interest only period unless the existing Investor elects to list the Loan on the Secondary Market. The existing Investor's interest in the Loan will continue until it is transferred to a new Investor. 28. We may use the Platform from time to time in the capacity of either a Wholesale or Retail Investor or match a Loan with another Wholesale Investor in order to ensure that Loans are funded as early as possible and to otherwise aid liquidity in the Platform. We may permit other Wholesale Investors to fund whole Loans on the Platform and the Secondary Market. 29. Interests in Loans may only be transferred between Retail Investors on the same terms as held by the transferring Investor, including as to outstanding term and interest rate. We may allow interests in Loans to be transferred between Wholesale Investors on differing terms if mutually agreed to by the respective Wholesale Investors. Further information regarding the Secondary Market can be found in the Secondary Market Rules accessed here. ## Security and Guarantees 30. Borrowers may provide security in relation to a Loan subject to the requirements notified by us from time to time. Any security provided will be held by the Trustee in accordance with the terms of the Borrower Agreement and the Loan Agreement. Any security held by the Trustee in relation to a Loan covered by a Reserve Fund is taken for the benefit of the Platform and the Reserve Fund and not for any Investor individually. 31. If security is provided in relation to a Loan from a person other than the Borrower, we will require a guarantee to be provided by that person. Where we require a guarantee in relation to a Loan, Borrowers are required to ensure that each Guarantor signs the Loan Agreement and any other documentation, and provides us with all information, we require in relation to the Loan, the Guarantors and the guarantee. We may also agree with a Borrower that a guarantee is to be provided in other circumstances. 32. Where a guarantee is provided in relation to a Loan covered by a Reserve Fund, this will not affect an Investor's right to receive payment from the Reserve Fund in the event of Borrower default in accordance with the Reserve Fund Policy. 33. We may not disclose to Investors whether security or a guarantee has been provided in relation to a Loan. ## How is Investor money received and dealt with by us? 34. We maintain an Investor Account in the name of the Trustee with one or more New Zealand registered banks (together, the Investor Account) to receive and hold funds supplied by Investors. The funds in the Investor Account will be held on separate bare trust by the Trustee for each Investor (your On-Call Account). You may use your On-Call Account(s) to save and earn interest and you can create Investment Orders from your On-Call Account(s) for Loans via the Platform to the extent that you have sufficient funds available in the applicable On-Call Account. 35. Once a Loan has been matched with an Investment Order, Investors authorise us and the Trustee to transfer the value of the Investment Order, or part of the Investment Order matched with the relevant Loan, from the Investor Account to the Borrower via the Clearing Account and to otherwise take such steps to settle the Loan under the terms of the Loan Agreement. 36. Investment Orders may be matched with an existing Loan via the Secondary Market. In this case, Investors authorise us and the Trustee to transfer the value of the Investment Order, or part of the Investment Order matched with the relevant Loan, from the Investor Account to the relevant Investor via the Clearing Account. 37. Where a withdrawal is requested by an Investor on the Platform, we will pay any cleared funds held on the Investor's behalf in the Investor Account which are not required in respect of any outstanding Investment Orders (to the extent that the full withdrawal request can be satisfied) to the bank account designated in the Investor's application. Withdrawal requests will normally be processed on a half hourly basis between 8:30am – 11pm each day but are reliant on the banking system for the money to reach an Investor's bank account. 38. Withdrawal requests can be designated as one-off or as recurring on a frequency specified on the withdrawal request (either weekly, fortnightly or monthly). Withdrawal requests can be cancelled up until the point that they have been processed by the Platform. ## How do we check and assess Borrowers? 39. In addition to the requirements set out above, we undertake a credit check to ensure that Borrowers have good credit history. 40. We assess a Borrower's servicing ability based on income and expense information provided in their application. We also verify the financial data provided by the Borrower by obtaining bank transaction history for personal borrowers, and financial statements for entities. 41. Where the security for a loan is provided by personal property (such as cars or other assets), we will check the Personal Property Securities Register to ensure that other security is not registered in relation to the relevant asset. 42. Where a guarantee is to be provided, this forms part of our assessment of the Borrower's servicing ability in relation to a Loan. ## What happens if a Borrower goes into arrears? 43. We have a system in place to monitor Loan repayments and any arrears. This includes daily reporting to our senior management. 44. Our management also review monthly credit reporting including: a. arrears reporting showing number, value and percentage of Loans in arrears; b. volume of new Loans entered into by term, product and risk-grade; and c. any movements in the Reserve Fund(s) (including funds paid out, recovered and received). 45. If a Borrower misses a Loan repayment, they will receive an automated email from us. If the Loan payment is remains outstanding, then we will commence additional activity that is appropriate to the situation. 46. If a borrower is in default and does not have a repayment plan agreed with us, then they may be referred to an external debt collections agency. 47. In the event of a missed Loan payment in respect of a Loan covered by a Reserve Fund, provided there are sufficient funds available, we will make payment of the amount outstanding from that Reserve Fund in accordance with the Reserve Fund Policy. Any subsequent repayments by the Borrower and/or any Guarantor in respect of the amount outstanding will be repaid to the applicable Reserve Fund (if any) which covers that Loan or, in any other case, to the account of the relevant Investor. 48. In the event that the Loan is outstanding for three months or more, the debt may be listed on the Borrower's credit file and may be listed with our external debt collection agency for collection. The Loan may also be "purchased" at our discretion by the relevant Reserve Fund (if any) in accordance with the Reserve Fund Policy. In exercising this discretion, we will consider any factors that we consider relevant which may include our assessment of the likelihood that the Borrower will re-start making payments. 49. Payment from a Reserve Fund is subject to there being sufficient funds available in that Reserve Fund at the relevant time. Neither we nor the Trustee guarantee that there will be sufficient funds in a Reserve Fund to meet any overdue Loan repayments or any claims in respect of the relevant Reserve Fund (if any) at any time. 50. Further information regarding the Reserve Fund can be found in the Reserve Fund Policy accessed here. ## What disclosures are made to Borrowers in relation to Loans? 51. Where required, Borrowers are provided with a disclosure statement for the purposes of the CCCFA in relation to each Loan. 52. The Borrower Disclosure (where required) is provided to the Borrower immediately prior to entering into the Loan Agreement. 53. Where a guarantee is given in relation to a Loan, the Guarantor is provided with a disclosure statement for the purposes of the CCCFA where required. That disclosure statement is provided to the Guarantor immediately prior to the Borrower entering into the Loan Agreement. ## What fees are charged to Investors? 54. We deduct a Service Margin from the outstanding Loan balance from gross interest payments made by the Borrower under the Loan Agreement. We may also deduct a Service Margin in relation to your On-Call Account(s) equal to the interest earned on the balance, less such portion of the interest (if any) that we agree you are to retain in accordance with rates published by us from time to time on our website. 55. Further details of the fees and margins payable by Investors are disclosed on the Platform and can be accessed here. 56. We may alter the fees payable by Investors by providing notice of the amendments on the Platform or via email. Any amendments we make to the fees payable by Investors will apply to existing and new investments entered into following the date which the amendments are made. We may charge different fees to Wholesale Investors from time to time. ## What charges are payable by Borrowers? 57. We are entitled to the following fees and margins: a. be the Establishment Fee payable by the Borrower (where relevant) and deducted from the initial advance of the Loan to the Borrower; b. Default Fees which are payable by the Borrower (where relevant); c. Default Interest which is payable by the Borrower (where relevant); d. the Security Release Fee which is payable by the Borrower (where relevant); e. a Dishonour Fee which is payable by the Borrower if a direct debit dishonours (where relevant); f. A Progress Payment Fee which is payable by the Borrower (where relevant); g. A Line of Credit Fee which is payable by the borrower; h. A Non Settlement Fee which is payable by the borrower (where relevant); and i. A Redocumentation Fee which is payable by the borrower (where relevant). We may also deduct or capitalise broker or other fees (including third party fees) payable in respect of a Loan. To view the current fees and margins, please visit our website here. 58. A proportion of the interest payments made by Borrowers under the Loan Agreement may be apportioned to the Reserve Fund (if any) which covers the Loan in accordance with the Reserve Fund Policy. 59. We may alter the fees payable by Borrowers by providing notice of the amendments on the Platform or via email. Any amendments we make to the fees payable by Borrowers will only apply in relation to new Loans entered into following the date which the amendments are made. ## Can we, or any Borrower associated with us, use the Platform? 60. We do not use the Platform in the capacity of a Borrower. 61. As noted above, where the balance of a Loan to be matched with an Investment Order via the Platform from time to time is less than $100, we may fund the balance of the Loan in the capacity of a Retail Investor in order to ensure the efficient operation of the Platform. Due to the small amount invested, we may not transfer these Loans via the Secondary Market but will retain the interest in the Loan until it is repaid in full. 62. As noted above, we may also use the Platform from time to time in the capacity of either a Wholesale or Retail Investor or to match a Loan with another Wholesale Investor in order to ensure that Loans are funded as early as possible and to otherwise aid liquidity in the Platform. 63. Subject to clause 61 above, because the Loans we invest into in the capacity of a Retail Investor will be to assist with the efficient operation of the Platform, we may then seek to transfer the Loans via the Secondary Market once sufficient Investment Orders are available on the Platform to purchase the Loans. Any of the Loans we enter into will be transferred in accordance with the Secondary Market Rules. 64. Except as disclosed in this document, when we choose to participate in Loans in the capacity of a Retail Investor, we will be subject to the same rules, obligations, fees, costs, charges and other requirements as all other Retail Investors in relation to the use of the Platform including in relation to the submission and matching of Investment Orders and access to the applicable Reserve Fund (if any) in relation to any non-payment by a Borrower. 65. We have a conflicts of interest policy in place to ensure that we, and our associated companies, employees and agents, comply with the requirements set out above. We and our associated companies may however provide advice or management services to third parties who wish to use the Platform as Borrowers or Investors. 66. We do not currently hold any interests which may materially adversely impact on our ability to provide a fair, orderly or transparent service through the Platform. ## Reporting 67. We will provide Investors with a record of all their transactions made via the Platform including the original date, value of your investments and any subsequent transactions relating to those investments. 68. As set out above, however, we may not disclose to Investors whether security or a guarantee has been provided in relation to the Loans in which you invest. Investors should be aware that Loans may be unsecured. ## How can you contact us? 69. If you have a query or wish to complain, please contact us at the details set out below. Write to: Squirrel Money Limited PO Box 911254, Victoria Street West Auckland 1142 Email: money@squirrel.co.nz Phone: 0800 21 22 30 70. As registered financial service providers, we and the Trustee are each members of an approved dispute resolution scheme. The contact details for the scheme are: Write to: Financial Services Complaints Ltd (FSCL) - A Financial Ombudsman Service Visit: PO Box 5967, Lambton Quay Wellington 6145 4th Floor, 101 Lambton Quay Wellington 6011 Email: info@fscl.org.nz Phone: 0800 347 257 Web: www.fscl.org.nz FSCL will not charge a fee to you to investigate or resolve a complaint. ## Further information 71. You may contact us at any time to obtain further information or to request an electronic copy of any of the Platform Documents free of charge. Further information is also available on the Platform. --- ## https://financeadvisers.co.nz/api/provider/FSP14061/disclosure.md > _Markdown transcription of Hazlett Insurance Limited's Public Disclosure Statement, version 2026-05-23. Source: https://hazlettinsurance.nz/content/uploads/2023/04/HIB-Financial-Advice-Provider-Disclosure-Statement-Jul21.pdf._ --- # FINANCIAL ADVICE PROVIDER DISCLOSURE STATEMENT ## Licence status and conditions Hazlett Insurance Ltd, FSP 14061, holds a financial advice provider licence, issued by the Financial Markets Authority, to provide financial advice. It is a condition of our licence that we, together with any person giving advice on our behalf, can only provide advice on general insurance products. ## Nature and scope of financial advice service We engage financial advisers to provide financial advice on general insurance products on our behalf. These are policies that insure your personal or business assets or protect you or your business assets, liabilities and business income. We are not able to provide advice on personal income protection or investment policies but are able to refer you to associates who are licensed to provide advice on such products. We have access to most insurance markets in New Zealand (excluding direct insurers) along with access to overseas markets as required. A list of the types of general insurance we can provide financial advice on can be found on our website: https://www.hazlett.nz/insurance/ ## Fees, expenses or other amounts payable We may charge a fee for the advice given to you and for implementing that advice. If a fee is to be charged it will be based on the amount of work and time required to provide and implement our advice and will be shown separately on our invoice to you, payable on payment of your premium. ## Premium funding Premium funding products enable you to pay the insurance premium over the term of your policy by instalments rather than as one amount. Hazlett Insurance Ltd offers this option which includes an interest charge and the ability to take a power of attorney over your insurance policy, this means there is the ability to cancel your insurance policy if you fail to pay an instalment. If you enter into such an arrangement there will be a separate agreement which states the interest cost. ## Conflicts of interest and commissions or other incentives Hazlett Insurance Ltd will receive commission from the insurance companies on whose policies we give advice. If you decide to take out a policy, the insurer may pay us commission based on the premium that you pay. We are a member of Steadfast NZ Limited (Steadfast). Steadfast supplies technology platforms, management, marketing, professional, technical, and buying benefits and services to support us in providing our financial advice services. Steadfast has arrangements with insurance companies under which Steadfast receives a professional services fee of up to 1.5% of the premium paid for each policy arranged by us with those insurers. These payments are used to operate Steadfast. Hazlett Insurance Ltd does not offer advice on life and health insurance, investments and lending. Where requested they may refer a client to a provider of advice on these products and may receive a referral fee for this. A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute, including in respect of liability. In this instance the adviser would clearly disclose the conflict of interest to the clients and would refer one of these clients to another of our financial advisers for further advice and assistance. We manage all conflicts of interest, ensuring our financial advisers prioritise your interests above their own, by following an advice process that ensures our recommendations are made on the basis of your needs and circumstances. All of our financial advisers complete training to understand and manage conflicts of interest. We maintain a register of conflicts of interests and any gifts and other incentives that we may receive. We review our compliance programme annually. ## Duties Hazlett Insurance Ltd and our financial advisers are bound by the following duties under the Financial Markets Conduct Act 2013 to: - meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and - give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and - exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and - meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. ## Complaints If you are unhappy with our financial advice service please contact your financial adviser so he or she can try to put things right. If you wish to make a complaint, or do not feel comfortable discussing your concerns with your adviser, you can contact us as follows: - Call us on 03 358 7246 between the hours of 8.30 am and 5.00 pm week days - Email us at pengel@hazlett.nz - Write to us at PO Box 39162, Harewood, Christchurch 8545, addressing your letter to the attention of Peter Engel, GM Hazlett Insurance Ltd ## How your Complaint will be handled Your adviser will attempt to resolve any issue of dissatisfaction with you immediately. If the matter cannot be resolved to your satisfaction, the adviser will escalate the complaint to his or her manager, notifying you accordingly. We will send you an acknowledgement of your complaint within five working days of your complaint being notified to us. This letter will provide you with our timeline to respond to you and the name of the manager who will be managing our response. The manager will investigate and contact you to try to resolve the complaint to your satisfaction. It is important that you provide this person with all relevant information. We will provide you with a written update within 20 working days of receiving your complaint. If we are unable to provide a full response to you at that point, our letter will explain why we are not yet in a position to do so and tell you when we will next contact you. 40 working days after the receipt of your complaint we will issue a final resolution. If we need to continue our review past this point, we will explain to you the reason for the delay and the required timeframe to provide a full response. At this point, if you feel that the delay is unsatisfactory, you can redirect your complaint to our external dispute resolution service provider detailed below. ## If we are unable to resolve your complaint We expect that our response to you will have addressed the concerns you have raised. If you feel that your concerns have not been appropriately considered, we invite you to submit any further information for consideration. If we are unable to resolve your complaint despite our best efforts, you can contact our external dispute resolution scheme, who provides a free and independent dispute resolution service. The contact details for our external dispute resolution service provider are: **Financial Services Complaints Ltd** PO Box 5967 Lambton Quay Wellington 5967 Ph 0800 347257 Email – info@fscl.org.nz Web – www.fscl.org.nz ## Contact Details **Hazlett Insurance Ltd** Level 2, 5 Sir William Pickering Drive, Christchurch 8053 PO Box 39162, Christchurch 8545 Ph 03 358 7246 insurance@hazlett.nz --- ## https://financeadvisers.co.nz/api/provider/FSP144464/disclosure.md > _Markdown transcription of Abraham & Associates Limited's Public Disclosure Statement, version 2026-05-24. Source: http://abraham.co.nz/disclosure._ --- # Abraham Insurance — Public Disclosure Statement --- ## Licence Status and Conditions Abraham & Associates Limited, (FSP144464) trading as Abraham Insurance (Abraham Insurance, we, our) holds a financial advice provider licence, issued by the Financial Markets Authority, to provide financial advice. It is a condition of our licence that we, together with any person giving advice on our behalf, can only provide advice on General Insurance and Risk products. --- ## Nature and Scope of Financial Advice Service We engage financial advisers to provide financial advice on general, life and health insurance products on our behalf. These are policies that insure your personal or business assets or protect you or your business assets, liabilities and business income. We are not able to provide advice on investment policies but are able to refer you to associates who are licensed to provide advice on such products. We have access to most insurance markets in New Zealand (excluding direct Insurers) along with access to overseas markets as required. A list of the types of general, life and health insurance we can provide financial advice on and the product providers who provide such insurance products can be found at www.abraham.co.nz --- ## Duties Abraham Insurance and our financial advisers are bound by the following duties under the Financial Markets Conduct Act 2013 to: - Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and - Give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and - Exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. --- ## Conflicts of Interest and Brokerage or Other Incentives We are a member of **Steadfast NZ Limited (Steadfast)**. Steadfast supplies technology platforms, management, marketing, professional, technical, and buying benefits and services to support us in providing our financial advice services. Abraham Insurance will receive brokerage from the insurance companies on whose policies we give advice. The rates of brokerage may vary between **0%–25%** dependent on Insurers and types of policies. If you decide to take out a policy, the insurer will pay us brokerage based on a percentage of the premium that is applicable. We may also agree to a package discount on the total cost of insurance. No brokerage is payable on any Government taxes (GST) or Statutory taxes (FENZ Levies or EQC Levies). A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute, including in respect of liability. In this instance, the adviser would clearly disclose the conflict of interest to the clients and would refer one of these clients to another of our financial advisers for further advice and assistance. We manage all conflicts of interest, ensuring our financial advisers prioritise your interests above their own, by following an advice process that ensures our recommendations are made on the basis of your needs and circumstances. All of our financial advisers complete training to understand and manage conflicts of interest. We maintain a register of conflicts of interests and any gifts and other incentives that we may receive. We review our compliance programme annually. --- ## Service Margin, Expenses or Other Amounts Payable We do not charge a service margin for the advice given to you but may charge a service margin for implementing that advice. This service margin will be based on a percentage of the insurer premium to provide and implement our advice to you, payable on payment of your premium. The service margin is to provide and maintain our high service, support the lifecycle of the policy by implementing the policy as per the advice provided, ensuring all Government and Statutory taxes are paid to the Government; this also covers the Distribution functions of the business including overheads, IT, Insurers and Documentation Management software and all compliance and legal costs attributable to the running of the business. --- ## Premium Funding Premium funding products enable you to pay the insurance premium over the term of your policy by instalments rather than as one amount. With the option of paying monthly, you can easily spread the cost of your policies over the course of a year. For some, this is a more manageable choice and allows you to more effectively manage policy expenses. If you enter into such an arrangement the premium funder may pay us a commission as a percentage of the amount they fund. Commission will be paid to us directly from the premium funder. --- ## Complaints If you are unhappy with our financial advice service please contact your financial adviser so he or she can try to put things right. If you wish to make a complaint or do not feel comfortable discussing your concerns with your adviser, you can contact us as follows: - **Phone:** (03) 348 2943 between the hours of 8:30am – 5:00pm weekdays - **Email:** info@abraham.co.nz - **Post:** PO Box 8951, Riccarton 8440 — attention: Complaints Manager --- ## How Your Complaint Will Be Handled Your adviser will attempt to resolve any issue of dissatisfaction with you immediately. If the matter cannot be resolved to your satisfaction, the adviser will escalate the complaint to his or her manager, notifying you accordingly. We will send you an acknowledgement of your complaint within **five working days** of your complaint being notified to us. This letter will provide you with our timeline to respond to you and the name of the manager who will be managing our response. The manager will investigate and contact you to try to resolve the complaint to your satisfaction. It is important that you provide this person with all relevant information. We will provide you with a written update within **20 working days** of receiving your complaint. If we are unable to provide a full response to you at that point, our letter will explain why we are not yet in a position to do so and tell you when we will next contact you. **40 working days** after the receipt of your complaint we will issue a final resolution. If we need to continue our review past this point, we will explain to you the reason for the delay and the required timeframe to provide a full response. At this point, if you feel that the delay is unsatisfactory, you can redirect your complaint to our external dispute resolution service provider detailed below. --- ## If We Are Unable to Resolve Your Complaint We expect that our response to you will have addressed the concerns you have raised. If you feel that your concerns have not been appropriately considered, we invite you to submit any further information for consideration. If we are unable to resolve your complaint despite our best efforts, you can contact our external dispute resolution scheme, who provides a **free and independent** dispute resolution service. ### External Dispute Resolution Scheme **Insurance & Financial Services Ombudsman Scheme (IFSO)** Level 2, Solnet House, 70 The Terrace Wellington 6143 PO Box 10-845, Wellington 6143 **Email:** info@ifso.nz **Phone:** 0800 888 202 **Website:** [www.ifso.nz](http://www.ifso.nz) --- ## Contact Details **Abraham & Associates Limited (FSP144464)**, trading as Abraham Insurance, is the Financial Advice Provider. **Post:** PO Box 8951, Riccarton 8440 **Phone:** (03) 348 2943 **Email:** info@abraham.co.nz --- ## https://financeadvisers.co.nz/api/provider/FSP158904/disclosure.md > _Markdown transcription of Eric James And Associates Limited's Public Disclosure Statement, version 2026-05-24. Source: https://ericjames.co.nz/our-disclosure-statement/._ --- # Disclosure Statement ## Eric James & Associates (EJA) It is important that you read this document. The information provided in this document is important. It describes the financial adviser services that Eric James and Associates (EJA) provides and will help you choose a service that best suits your needs. --- ## About Us We have developed and maintained strong relationships with specialist insurance providers. This enables us to offer insurance quotes for individuals and businesses from a broad range of backgrounds and trades. We also recognise the importance of training and development and ensure that all our advisers' knowledge is kept up to date and appropriate standards are maintained. Eric James & Associates is a member of the Financial Advice New Zealand (FANZ) and all our advisers and nominated representatives adhere to the FANZ professional standards of conduct. Eric James & Associates is a Licenced Financial Advice Provider and we are responsible for the advice provided by our advisers. You can check our registration on the Financial Services Provider Register. --- ## How We Work We would like to understand your unique needs and future objectives in order to develop an insurance plan tailored specifically to your lifestyle and budget. A full fact find and needs analysis can help determine financial needs for you and/or your family, should any of these events occur. We can also advise on which type and structure of insurance cover we believe will meet your needs including consideration of existing plans. **Reasons our clients have insurance:** - Repaying your mortgage - Maintaining your current standard of living - For lifestyle changes due to disability - Clearing your debts - Providing for your children's education - Security for business obligations - Having enough funds to achieve your personal goals during a disability **We will take you through our simple 3 step insurance planning process:** 1. Take you through the Risk Analysis Process to determine your Insurance needs. 2. Explain your options, prepare quotes, and provide information so that you're fully informed. 3. Agree on your Personal Insurance Plan and help you implement your insurance requirements. **Insurance Implementation Service Requests** We can also provide product quotes and information to assist with insurance implementation on instruction from you. Once you are a customer we will be able to provide ongoing support and advice and be your first point of contact for all your insurance needs. --- ## Products We Advise On We provide advice on the following range of products for personal and business insurance needs: - Life Insurance - Disability Insurance - Trauma Insurance - Income Protection - Mortgage Protection - Health Insurance - Travel Insurance (Inbound to NZ) --- ## Product Providers - Partners Life - AIA - Fidelity Life - NIB - Chubb Life - Resolution Life - Asteron We work with you to help you choose the product that best suits your needs and budget. Though if you have existing insurance with a provider we don't have any agency with, we won't be able to provide advice or recommendations on that product. --- ## How We Get Paid Advisers have a contractual relationship with Eric James & Associates, who holds agencies with these Insurers. Eric James & Associates does **NOT** require advisers to place an agreed percentage of business they do with any of the above Insurers. Advisers receive remuneration in the form of a retainer, commissions, bonuses and benefits from EJA & Insurance companies. Advisers are able to earn a percentage of commission paid to EJA based on performance, compliance and service criteria. **Eric James & Associates' services are at no cost to you.** Further, Advisers do not have any agreements that require them to place any particular level of business with any Insurer. EJA receives commission payments directly from the product providers. **Commissions can range from 0 – 230% depending on the product type and provider.** --- ## Your Obligations Any advice provided as a result of this needs analysis can only be as good as the information received from you, so we ask that you provide advisers with the information they request. Without relevant and correct information about your personal and financial situation advisers run the risk of giving advice that is not appropriate to your needs. If you are unsure as to why advisers need certain information please ask so that they can explain. Should any recommendation provided result in replacing a current policy, cancellation of such policy is the sole responsibility of the client. --- ## If Something Goes Wrong If you have a problem, concern, or complaint about any part of our service, please tell us, so we can try to resolve the problem. **Please contact our Risk Compliance Manager:** Mike Kelly – mike.kelly@ericjames.co.nz We will acknowledge receipt of your feedback or complaint within two business days and will endeavour to resolve the matter as soon as possible. If we cannot agree on how to resolve the issue, you can contact: **Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service** This service will cost you nothing, and will help us resolve any disagreements. > Address: PO Box 5967, Lambton Quay, Wellington 6140 > Telephone: 0800 347 257 > Email: complaints@fscl.org.nz --- ## Mortgage Advice We are often asked if we offer advice on mortgages. As insurance specialists, we think our clients would benefit from some sound mortgage advice from Mortgage Specialists. We use and recommend **Penberthy Mortgage Advisers**. Penberthy's offer mortgage advice as licensed financial providers. > **Please note:** EJA may receive a referral fee from Penberthy's if you implement a mortgage via them. If you would like a referral, please ask. --- ## Privacy Act 1. It is understood that any information gathered for this needs analysis is personal and we undertake to keep this information confidential and secure as per the **Privacy Act 2020** and all its provisions. 2. The Privacy Act 2020 gives you the right to request access to, and correction of, your personal information. We have processes set up to handle these requests. 3. Information provided by you and/or any authorised agent will be used by EJA and any members of staff for the purpose of providing advice to you and may also be used by any: - a) product or service provider when implementing any recommendations or variations thereof; - b) compliance advisers, financial advice regulators, assessors or by any claims investigators who may need access to such information; and - c) other professionals such as solicitors, accountants, finance brokers, financial planners when such services are required to complement this advice and as requested by you. 4. If policies are undertaken with Eric James and Associates, the insurers will provide us with information annually to help with the review and maintenance of the policies held. The insurers will make such information available upon request at any time while the policy is in force. 5. If we need to collect your personal information from a third party rather than directly from you, we will take reasonable steps to notify you of the collection, the purpose for which the information is being used, and your rights of access and correction, in accordance with IPP3A of the Privacy Act 2020. The information will be held at our offices at: **Eric James & Associates Ltd, Level 1, 47 Mandeville Street, Christchurch** and within our 3rd party CRM. --- ## Email Communications You acknowledge that we can and will email you about the agreed services and this engagement, and may from time to time email you about other services, offers, newsletters or information. **Confirmation of your acceptance of our terms and our agreed scope of service will be recorded in the Client Acknowledgments section of our Risk Analysis Document.** --- ## Contact Details **Eric James and Associates** Address: Level 1, 47 Mandeville Street, Christchurch 8011 Telephone: (03) 977 4400 or 0800 ERICJAMES Email: admin@ericjames.co.nz Website: www.ericjames.co.nz --- ## https://financeadvisers.co.nz/api/provider/FSP166864/disclosure.md > _Markdown transcription of Ail Of New Zealand Limited's Public Disclosure Statement, version 2026-05-18. Source: https://www.ailnz.co.nz/site_files/40826/upload_files/AILNZCompanyDisclosureStatementV1.4.pdf._ --- # Welcome to AIL of New Zealand Ltd ## Our licence and advice AIL of New Zealand Limited (FSP166864, trading as AIL NZ) is a Financial Advice Provider (FAP) licensed and regulated by the Financial Markets Authority to provide a financial advice service. AIL NZ ("we", "our", "us") engage financial advisers to provide advice solely about American Income Life Insurance Company (AIL) insurance life and health insurance products on our behalf. Our financial advisers do not provide any financial advice on behalf of AIL. We can provide advice about AIL insurance products only. Our advisers cannot provide you with: - advice about other insurers' policies, including whether they would be affordable and suitable for you; - comparisons between AIL policies and other insurers' policies, or - advice on whether you should replace any existing insurance you have with another insurer with AIL insurance. ## Will I be charged any fees for the financial advice provided? We do not charge fees, expenses, or any other amount for the financial advice we provide. If you decide to purchase AIL insurance through us, you will need to pay the premium to AIL. You will be informed of the cost of the premiums by our financial advisers. If the premiums increase as a result of underwriting, then we will advise you of that. ## How we get paid ### Our advisers If you purchase the AIL insurance, our adviser may receive commissions and bonuses from AIL. Commissions will be affected if the adviser does not comply with certain standards of compliance and good conduct set by AIL, the policies are cancelled within the first year or the policies replace certain existing insurance arrangements. - Our advisers receive commission when you purchase an AIL insurance product through them. The total amount of the commission they receive depends on the type of insurance you buy, the amount of your premiums, and the length of time you hold the policy for. The commission is calculated as a percentage of the premiums you pay. - Our advisers may receive a bonus from AIL if they meet AIL's performance criteria, which will include factors relating to conduct, complaints, persistency, compliance and the amount of business generated by the adviser. Whether our advisers receive any bonus, and the amount of any bonus, is at AIL's discretion. If the adviser is eligible to receive a bonus, it will be calculated based on the value of premiums they personally generate. ### Our company – AIL NZ Like our advisers, we are paid by AIL in the form of commission and bonuses. - We receive a commission from AIL when you purchase an AIL insurance product through one of our advisers. The total amount of the commission depends on the type of insurance you buy, the premiums you pay, and the length of time you hold the policy for. The commission is calculated as a percentage of the premiums you pay. - We may receive a bonus from AIL if we meet AIL's performance criteria, which will include factors relating to conduct, complaints, persistency, compliance and the amount of business generated by us. Whether we receive any bonus, and the amount of any bonus, is at AIL's discretion. If we are eligible to receive a bonus, it will be calculated based on the value of premiums that our business generates. The following steps are taken to manage the conflicts of interest associated with the above commissions and bonuses: - We follow an advice process that ensures our recommendations are made appropriately, based on clients' goals and circumstances. - Our advisers are not eligible to receive any remuneration (commissions or bonuses) if they do not meet certain standards of compliance and good conduct set by AIL and may have any paid remuneration clawed-back if it is found that they have not met these standards. - If you cancel your AIL insurance policy within the first year, or the policy lapses, our advisers will not be entitled to any commission on that policy. - Our advisers are prohibited from advising you to replace any existing non-AIL insurance you may have and will not receive commission where an existing AIL insurance policy is replaced by a new AIL insurance policy within six months of applying for the new insurance policy. - All our 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. These registers are monitored regularly, and additional training is provided as required. - We periodically undertake an independent Compliance Assurance Review. ## Our complaints and dispute resolution process Our mission is to create great customer outcomes when you deal with AIL NZ. If you have a problem, concern, or complaint about any part of the financial advice you have received from us, please contact us using any of the following means: | Call | (09) 320 3031 | | Email | complaints@ailnz.co.nz | | Write to | Complaints Officer, AIL of New Zealand Limited, 2165 Great North Road, Avondale, Auckland, 0600 | | Submit a form | www.ailnz.co.nz/complaints-form | When we receive a complaint: 1. Our internal complaints process will be engaged. 2. Where reasonably possible, we will seek to resolve your complaint to your satisfaction at the first point of contact but, if this is not possible, we will acknowledge your complaint in writing and provide you with information about our internal complaints process, within 2 working days or, if not practicable to do so, as soon as practicable after. 3. We will consider your complaint and investigate it where necessary. We will handle your complaint in a fair, transparent, and timely manner. 4. We will contact you if we require further information. 5. You will receive our response to your complaint by in writing. Our response will inform you of the decision we have made with respect to your complaint, including explaining our reasons and detailing any action taken. 6. If you are not satisfied with our response, we will escalate your complaint to our senior management who will independently review your complaint and ensure all areas of resolution have been investigated and presented. Senior management will inform you once a final decision is made. 7. If you disagree with the final decision we have made, then we will provide you with a letter of deadlock and you can take further action by contacting our external dispute resolution scheme. Financial Service Complaints Limit ed (FSCL) is our external dispute resolution service. The service is free to you, independent, and may help investigate or resolve the complaint. To contact FSCL: | Call | 0800 347 257 or (04) 472 3725 | | Email | complaints@fscl.org.nz | | Write to | PO Box 5967, Wellington 6140 | ## Our duties AIL NZ and our advisers have duties under the Financial Markets Conduct Act 2013 relating to the way we give advice. We are required to: - give priority to your interests; - exercise care, diligence, and skill; - meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services - meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services. ## How to contact us AIL of New Zealand Limited | Call | 0800 894 121 or (09) 320 3031 | | Submit a form | www.ailnz.co.nz/contact | | Write to | PO Box 15446, New Lynn, Auckland 0600 | --- ## https://financeadvisers.co.nz/api/provider/FSP16841/disclosure.md > _Markdown transcription of Aon New Zealand's Public Disclosure Statement, version 2026-05-18. Source: https://www.aon.co.nz/AonNZ/media/Regulatory-Changes/Aon-General-Disclosure-Statement.pdf._ --- # Aon General Disclosure Statement Thank you for considering Aon New Zealand (Aon). This document contains the disclosures that Aon must provide to you. This document explains: - who Aon is; - the duties that we owe to you; - the nature and scope of the advice we can give; - how we may be remunerated (including details of the fees that we charge and the commissions that we may receive); - the material conflicts of interest that currently exist or that may arise in the future in relation to the advice we can give; and - our service issues and complaints handling and disputes resolution procedures. ## About Aon The information in this document is issued by Aon. Our head office contact details are: Aon New Zealand PO Box 1184, Auckland 1140 29 Customs Street West, Auckland 1010 Aon is a leading provider of insurance and risk services. It is part of the Aon Group, which is a global leader in the design and provision of insurance, reinsurance, risk and employee benefit services. Aon is a Financial Advice Provider (FSP16841) and holds a licence issued by the Financial Markets Authority to provide a financial advice service. ## Our Duties Aon, and its advisers that provide regulated financial advice, are required to comply with duties under the Financial Markets Conduct Act 2013 when providing regulated financial advice to retail clients. These duties include: - meeting the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services; - meeting the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Services; - giving priority to our clients' interests; and - exercising care, diligence and skill. ## The Services We Provide As your insurance broker, you will only receive advice from us that relates to contracts of insurance, including the renewal or variation of the terms or conditions of an existing contract of insurance. Aon is not an insurer. Aon provides financial advice in relation to products that are provided by only a selection of insurers. The insurers include: - AIA New Zealand Limited - AIG New Zealand Limited - Asteron Life Limited - Berkshire Hathaway Specialty Insurance Company - Certain Underwriters at Lloyds of London or their agents - Chubb Insurance New Zealand Limited - Cigna Life Insurance New Zealand Limited - Fidelity Life Assurance Company Limited - IAG New Zealand Limited and its business divisions NZI and Lumley - NIB NZ Limited - Partners Life Limited - QBE Insurance (Australia) Limited - Resolution Life Services New Zealand Limited (AMP) - Southern Cross Healthcare Limited - Union Medical Benefits Society Ltd ('Unimed') - Vero Insurance New Zealand Limited - Vero Liability Insurance Limited - Zurich Australian Insurance Limited trading as Zurich New Zealand We may approach other insurers and we will advise you if this occurs. We use our professional judgement in providing advice and arranging insurance cover for you, based on the requirements you have notified to us. This means that we may only approach one insurer or a limited number of insurers in placing your cover. We cannot guarantee the availability of insurance for your particular risks or the solvency of insurers. Neither Aon nor any of its advisers provide financial advice in relation to any other financial products nor any valuation or tax advice relating to your insurance. Aon can give you factual information about premium funding and can help arrange this for you, but Aon is not able to provide you with advice or a recommendation about the suitability of premium funding for you. ### Insurance Facilities As an insurance broker, we have many clients in similar situations with similar risks and needs. For these groups, we design and develop products with insurers (Insurance Facilities) which combine competitive pricing and quality cover underwritten by reputable insurers. Where we believe it suits your risks and needs, we may only recommend an Insurance Facility (rather than alternative insurance products). Where we do not have an Insurance Facility suitable to your risks and needs, we will seek quotes from appropriate insurers to help you identify an insurance product. ## Fees Payable by you to Aon We may agree with you the fees we will charge for our services. We may charge you an administration charge to cover our expenses and disbursements. Minimum charges apply, being $35 + GST for domestic policies and $60 + GST for commercial and rural policies. These fees apply if you act on our advice and place insurance through Aon. We will provide you with further information regarding our fees if you seek financial advice from Aon. ## Conflicts of Interest and Other Incentives Conflicts of interest may arise in circumstances where some or all of your interests as our client are, or may be, inconsistent with some or all of our interests. As your insurance broker we act for you in providing our insurance services. Sometimes we also provide services to other parties. For example, an insurer may give us authority to accept business on their behalf. We may also agree to handle or settle claims on an insurer's behalf. We may offer to arrange premium funding to help spread the cost of your insurance premiums over the year. When Aon arranges premium funding, we act as agent for the premium funder for the purposes of facilitating your loan application, and not as your credit provider or finance broker. Aon may also act on the premium funder's instructions to cancel any insurance where you have failed to meet your repayment obligations. Aon and its staff may receive non-monetary benefits from insurers such as sponsorships of Aon conferences, client functions, education programs, meals and entertainment. Aon staff may also have personal connections with insurers and other third parties that may be involved in the services we provide to you. Aon may receive commission from insurers in relation to the placement of your insurance. The commission is calculated as a proportion of premium and is dependent on the product range. We will provide you with further information regarding the commissions we may receive if you seek financial advice from Aon. From time to time Aon may give its staff rewards, such as a prezzy card, when they place new insurance during a promotion. We have a conflicts of interest policy and procedure, including training and monitoring, to ensure we are aware of and manage any conflicts of interest. Our company, staff and our representatives must comply with this policy and procedure. Where relevant, we will only provide advice in circumstances where we are able to appropriately manage a conflict of interest. ## Service Issues and Complaints ### Stage One If you have a complaint about the service Aon has provided to you, you can contact your Aon Broker or Branch Manager at your local Aon office by telephone, email or in writing to explain your problem. You will find the address and phone number of the local office on your invoice or on our website at www.aon.co.nz. Your Aon Broker or Branch Manager will work with you and endeavour to resolve your complaint. Nearly all service issues and complaints are quickly resolved in this way however, if we are not able to resolve your complaint locally within 2 business days, we will: - formally acknowledge receipt of your complaint and provide an estimate of the timeframe for a fuller response; - provide you with an overview of our complaints process; - provide information about our free, independent, dispute resolution scheme that may help to investigate or resolve your complaint. (See further information below.) ### Stage Two If we are not able to resolve your complaint locally, it will be referred to our Complaints Manager for an internal review. Alternatively, you can at any time contact the Complaints Manager directly on 09 362 9000 or you can email details of your complaint to nzfeedback@aon.com. The Complaints Manager will endeavour to provide you with a decision or proposal for resolution within 20 business days of your original complaint. If your complaint is complex and may take longer to resolve, we will advise you of this and will keep you informed of progress. ### Stage Three Sometimes it is not possible to resolve a complaint by agreement and, if you are not satisfied with our decision following the process above, you may then choose to seek independent advice. If you are a retail client (or if we mutually agree) you may refer the matter to Financial Services Complaints Limited (FSCL) (subject to their terms of reference). FSCL is the independent dispute resolution service we belong to. There is no cost for you to ask FSCL to independently review your complaint however you must contact FSCL within 3 months from the date of our final decision. If you do not contact FSCL within this time, they will be unable to assist you. FSCL can be contacted by email at complaints@fscl.org.nz or by calling 0800 347 257. Full details on the FSCL scheme can be obtained on their website www.fscl.org.nz. Please note before FSCL can investigate your complaint, they do require you to have first provided us with the opportunity to address your complaint. --- ## https://financeadvisers.co.nz/api/provider/FSP170308/disclosure.md > _Markdown transcription of New Zealand Home Loans (whangarei 2011) Limited's Public Disclosure Statement, version 2026-05-24. Source: https://nzhl.co.nz/disclosure-statement/._ --- # Financial Advice Provider Disclosure Statement ## Licensing Information The New Zealand Home Loan Company Limited (**NZHL**, **we**, **us**) (FSP30301) holds a licence issued by the Financial Markets Authority to provide a financial advice service. NZHL also operates via franchises (**Franchises**) which are authorised under NZHL's licence to provide financial advice services. This disclosure statement relates to both NZHL and its Franchises. The NZHL financial advisers work for us or relevant Franchises. NZHL operates from two locations: 2/30 Ponsonby Road, Auckland, 1011 and L1, 903 Victoria Street, Hamilton, 3204. Contact us via email at complaints@nzhl.co.nz or call us on 0800 332 837. You can find information on the Franchises, their locations and how to contact them on our website at https://nzhl.co.nz/find-us/ --- ## Scope of Advice ### What financial advice services do we provide to our clients and what products do they relate to? NZHL and our Franchises provide financial advice services through our advisers on the products of the following lenders and insurers. - **Loans –** New Zealand Home Loan products (provided by Kiwibank), ASB Bank, and Liberty Financial. - **Insurance –** personal insurance from NZHL Life (provided by Fidelity Life), Fidelity Life, AIA, nib, and Partners Life. The disclosure statements of a financial adviser you meet with will list the products they can advise on. --- ## Fees and Charges ### What do we charge our clients? We do not charge anything when you come to us for consultation. For home loans we charge an application fee for new mortgage finance and for additional mortgage finance where the mortgage finance is approved and settled. There is no application fee for Insurance products. **Home Loan Clawback:** We may be required to repay (in part or in full) the commission we receive from the lender in relation to your loan, if you repay or refinance your loan (in part or in full) within the first 24 months of your loan being advanced. We may charge you a fee to recover the value of that amount, up to a specified limit. **Insurance Clawback:** We may be required to repay (in part or in full) the commission we receive from the insurer in relation to insurance you take out, if you cancel, reduce, or replace an insurance policy (or if the insurer cancels an insurance policy) within the first 24 months of the policy being issued. We may charge you a fee to recover the value of that amount, up to a specified limit. --- ## Commissions ### How do we get paid for the services we provide to our clients? **Loan:** Once your loan settles, NZHL will receive commission from the lender. The commission varies depending on the type of loan and the loan amount. This commission is shared with the Franchise and may be shared with your financial adviser. NZHL and the Franchise may continue to be paid an annual servicing commission for as long as your lending is active with NZHL. **Insurance:** Once your insurance policy is issued, NZHL receives commission from the insurer. The commission amount is based on the premium for the first year of your policy and depends on the insurance provider and the policy you choose. This commission is shared with the Franchise and may be shared with your financial adviser. NZHL and the Franchise will continue to be paid an annual servicing commission for as long as you hold the policy with the insurer. To manage those conflicts of interest, NZHL advisers select the loan or insurance provider based only on your needs and circumstances. They follow NZHL's advice process to ensure the advice is tailored to your individual needs. NZHL also provides regular training on how advisers can best manage any conflict of interest to ensure your needs are prioritised. --- ## Conflicts of Interest ### Ownership Disclosure NZHL is owned by Kiwi Group Capital Limited (**KGC**). KGC also owns Kiwibank Limited who are a home loan provider for NZHL. NZHL owns NZHL Mortgage Advisory Limited who you may be referred to by us, a Franchise, or a financial adviser. NZHL also has a majority shareholding in Link Financial Group 2022 Limited. Link Financial Group 2022 Limited has a majority shareholding in Insurance Link General Limited ("FG Link") who you may be referred to by us, a Franchise, or a financial adviser. The Franchises are companies and operate as part of the NZHL network. They are not owned by KGC. ### Management of Conflicts of Interest To manage those conflicts of interest, NZHL advisers select the loan or insurance provider based only on your needs and circumstances. They follow NZHL's advice process to ensure the advice is tailored to your individual needs. NZHL also provides regular training on how advisers can best manage any conflict of interest to ensure your needs are prioritised. --- ## Complaints and Dispute Resolution Process Your feedback is very important to us. If you'd like to provide feedback or feel that we've let you down in any way, we'd like to know about it so we can do our best to resolve things. NZHL has a three-stage complaints process: 1. **Start with your NZHL Franchise –** If you have a problem or concern, please talk to your financial adviser or the Franchise they work for. NZHL Franchise contact details can be found on our website at https://nzhl.co.nz/find-us/. The Franchise will acknowledge your complaint within 2 working days and outline the next steps, with the aim of making a final decision within 10 working days of receiving your complaint. 2. **Escalate to NZHL Support Office –** If you are not happy with how your NZHL Franchise has proposed to resolve your complaint or handled your complaint, you can complete the NZHL complaints form at https://nzhl.co.nz/complaints/, email us at complaints@nzhl.co.nz or call us on 0800 332 837. This will escalate your complaint to the NZHL Support Office (as the licensed Financial Advice Provider) who will review your complaint and endeavour to find a resolution with you on behalf of the NZHL Franchise. We will acknowledge your complaint within 2 working days. We may contact you to get further information about your complaint. NZHL aims to make a final decision within 10 working days of receiving your complaint. Sometimes more time will be required, however we will keep you updated throughout the process. 3. **External Disputes Resolution –** If you are still not happy with the resolution provided or with the way your complaint was handled by NZHL or the Franchise, you can refer your complaint to NZHL's nominated disputes resolution service, **Financial Services Complaints Limited (FSCL)**. FSCL is a Financial Ombudsman Service and is free for NZHL and Franchise clients. This service may help to investigate or resolve your complaint. **FSCL contact details:** - Website: [www.fscl.org.nz](http://www.fscl.org.nz/) - Phone: 0800 347 257 - Email: complaints@fscl.org.nz - Post: Financial Services Complaints Limited, PO Box 5967, Wellington 6140 --- ## Our Duties and Obligations NZHL, the Franchises, and anyone who gives financial advice on their behalf, have duties under the Financial Markets Conduct Act 2013 relating to that advice. They are required to: - give priority to your interests by taking all reasonable steps to make sure our advice isn't 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) --- > **Note:** The disclosure statements of individual financial advisers (listing specific products they can advise on) are provided separately. See https://nzhl.co.nz/find-us/ for Franchise and adviser contact details. --- ## https://financeadvisers.co.nz/api/provider/FSP17341/disclosure.md > _Markdown transcription of Global Financial Services Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.globalfinance.co.nz/finance-advice-provider-disclosure-statement/._ --- # Financial Advice Provider Disclosure Statement ## Global Financial Services Limited (GFS) --- ## GENERAL INFORMATION Global Financial Services Limited (**GFS**) is one of New Zealand's highly awarded mortgage and personal risk insurance adviser. GFS commenced business on 5th March 1999 and has been successfully operating for more than 25 years. Reviews about our services can be seen on Google, Facebook (GFSNZ), and Trust Pilot. We have successfully arranged more than $14 billion of housing, business, commercial loans, and personal risk insurance covers since 1999. --- ## LICENCE STATUS GFS holds a Full Class II Licence, issued by the Financial Markets Authority (FMA), to provide financial advice services. GFS conducts its business through its financial advisers. General information is also provided to customers through our newsletters, blogs and other digital publications. --- ## DUTIES OF INFORMATION We have duties under the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advisers (Code) 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 applicable standards of competence, knowledge, and skill under the Code. - Meet standards of ethical behaviour, conduct and client care under the Code. These include duties to treat you fairly, act with integrity, give financial advice that is suitable, and take reasonable steps to ensure you understand the financial advice we provide and protect any financial information we hold about you. --- ## NATURE AND SCOPE OF ADVICE We help our clients with their lending and mortgage needs, and their personal risk insurance covers. The types of financial products we can help you with include the following: - Home loans, including loans for first home buyers - Investment property loans - Refinancing - Business and Commercial loans - Construction and home improvement loans - Mortgage restructuring through Mortgage Genius Plan® - Debt Consolidation - Vehicle Finance - Life Insurance / Quick Life / Funeral Cover - Accidental Death Benefit - Trauma Insurance / Critical Illness Insurance - Total and Permanent Disability insurance - Mortgage Repayment Cover - Income Protection Insurance - Redundancy Cover - Accidental / Specific Injury Cover - Waiver of Premium Cover - Medical Cover - Key Person Insurance Cover - Business Risk Insurance One of the services we offer to help put you in control of your mortgage payments is our **Mortgage Genius Plan®** – an efficient and effective money management tool we have developed to help the customers to repay their loan faster. ### Product Providers **For Mortgages**, we work with Banks and Non-Bank Lenders such as: ANZ, ASB, Westpac, BNZ, AIA Home Loans, Kiwibank, China Construction Bank (New Zealand) Limited, SBS, Heartland Bank, Avanti Finance, Pepper Money, ASAP Finance, First Mortgage Trust, NZMS, Oxford Finance, Basecorp Finance, Get Capital, Zip Business Loan, Prospa, DBR, Southern Cross Partners, Xceda Finance, MBG and Austar Finance. *The list of lenders may change from time to time.* **For Personal Risk Insurance**, we work with Personal Risk Insurance Providers such as: AIA NZ, Chubb Life, Asteron, Partners Life, Resolution Life, Fidelity Life, NIB and Momentum Life. *The list of Personal Risk Insurance Providers may change from time to time.* **For Health Insurance**, we work with Health Cover Providers such as: Southern Cross Health Insurance, NIB, AIA NZ, Partners Life. *The list of Health Risk Insurance Providers may change from time to time.* In advising clients on personal insurances where they already have some cover in place, we will only consider existing term life, critical illness, trauma, TPD, income protection/mortgage repayment/redundancy cover and health insurance policies. We do not provide advice on existing whole of life or endowment policies, or on any form of savings or investment product outside of financing properties, so you will need to consult someone else if you would like advice on any of those products. We do not provide advice on Investment, Legal, or Taxation matters. --- ## FEES, EXPENSES, OR OTHER AMOUNTS PAYABLE We do not typically charge our clients any fees, expenses or other amounts for the financial advice and other services we provide. Instead, our services are paid for through the commissions and other payments we receive from the lenders we assist you to obtain financing from, and from the insurers whose policies we help you take out. **The following circumstances are the main exceptions to our no fees policy:** 1. You decide not to take the loan arranged by us, or 2. You refinance or pay off a loan within 24 months of taking it out, or 3. You cancel your insurance policy or reduce cover within two years of first scheduled premium payment date **Detailed information about the Commission Earnings & Service Charges will be provided to you when you receive financial advice from us. This information is also available upon request, free of cost.** --- ## CONFLICTS OF INTEREST AND COMMISSIONS All our financial advisers are salary based. We are committed to ensuring we provide financial advice that is impartial and delivers good outcomes for our clients. To ensure that our financial advisers prioritise our clients' interests above their own, we follow an advice process that ensures our recommendations and other advice are appropriate for each client's goals and circumstances. All our financial adviser representatives undergo ongoing training about how to manage conflicts of interest. GFS reviews its compliance programme each year to ensure we are aligned with best industry practice. GFS receives upfront as well as ongoing commissions from the providers whose products we advise on i.e. the lenders we help you obtain finance from, and the insurers whose policies you take out with our assistance. Sometimes banks and insurers we work with may also reward or recognise us for the overall business we provide them. For example, they may give us tickets to sports events or invite us to social functions or send us gifts. They may also invite us to conferences or provide us with training, to help improve the quality of the services we provide. All our financial advisers are trained to work in the best interest of our customers. Therefore, our services generally do not come at a cost to you except in some circumstances as described above. --- ## COMPLAINTS If you are not satisfied with our services, you can make a complaint by emailing us at complaints@globalfinance.co.nz, or by calling us at 09 255 55 00. When we receive a complaint, we will consider it and follow our internal complaints resolution process: - If we can resolve your concerns to your satisfaction on the spot, we will do so. If not, we will contact you to acknowledge receipt of your complaint – usually within two working days of receiving your complaint, unless that is not practicable in the circumstances – and let you know how we intend to resolve it. Note that we may need to contact you to get further information about your complaint before we are able to resolve it properly. - We aim to resolve complaints within 10 to 15 working days of receiving them. If we cannot, 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 using our internal complaints resolution process, or if you are not satisfied with the way we have attempted to resolve your complaint, you can contact our external Government approved dispute resolution scheme provider: **Financial Services Complaints Limited (FSCL) – A Financial Ombudsman Service** 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. | Contact Method | Details | |---|---| | Email | complaints@fscl.org.nz | | Phone | 0800 347 257 (free phone) | | Postal address | PO Box 5967, Lambton Quay, Wellington 6145 | --- ## CONTACT DETAILS **Global Financial Services Ltd** Units 18–22/203 Kirkbride Road, Airport Oaks, Auckland 2022 Tel: 09 2555500 **Global Financial Services Ltd** 28E Lambie Drive, Manukau, Auckland 2104 Tel: 09 2635555 **Global Financial Services Ltd** 103 Lincoln Road, Henderson, Auckland 0610 Tel: 09 8365555 **Global Financial Services Ltd** 9c Apollo Drive, Rosedale, Auckland 0632 Tel: 09 255 5591 **Global Financial Services Ltd** Unit 26, 20 Clyde St, Hamilton East Tel: 07 577 0888 **Global Financial Services Ltd** 16/83 Pyes Pa Road, Tauranga 3112 Tel: 07 5770011 **Postal address:** PO Box 24087, Royal Oak, Auckland 1023 Email: info@globalfinance.co.nz Website: www.globalfinance.co.nz --- ## https://financeadvisers.co.nz/api/provider/FSP174024/disclosure.md > _Markdown transcription of Rutherford Rede Limited's Public Disclosure Statement, version 2026-05-24. Source: https://rutherfordrede.co.nz/disclosures/._ --- # Disclosures — Rutherford Rede Limited --- ## Financial Advice Provider Rutherford Rede Limited (FSP174024) is a Financial Advice Provider (FAP) licensed and regulated by the Financial Markets Authority (FMA) to provide financial advice. We also hold a Discretionary Investment Management Services (DIMS) licence granted by the FMA. --- ## Nature & Scope of Advice ### Financial Advice We may provide financial advice in the following subject matters: - Retirement planning - Investment planning - Debt management - Property investments - Cash management and budgeting ### General Advice We may provide guidance in the following subject matters: - Risk management - Asset protection and estate planning - Taxation relating to investment --- ## Financial Products and Providers We Deal With We provide advice in relation to the following financial advice products: - A DIMS facility provided by Rutherford Rede - Shares of listed companies - Shares of listed property companies and real estate investment trusts - Shares of Exchange Traded Funds (ETFs) and investment trusts - Bonds (domestic and foreign), including Government, Local Authority and corporate bonds - Managed funds including KiwiSaver and superannuation - QROPS Scheme (UK Pensions) - Cash, term deposits and money market funds --- ## Fees or Expenses We are a fee-only practice; our income is derived solely from a transparent fee based on the value of your portfolio. Rutherford Rede will charge a fee for the financial advice that is provided to you and for any DIMS service provided to you. The fee charged will depend on the nature of the financial advice and service that we provide. - Our advisers may charge on an hourly charge - Our advisers may charge a one-off fee for writing a financial plan to meet your goals - Any ongoing fee (Financial Advice and/or DIMS) is based on funds under management and are generally charged in tranches that reduce as the portfolio grows - Investments held on the custodial platform, Adminis, are subject to custodial fees The exact fees will be agreed with you prior to undertaking any chargeable work. Hourly and one-off fees are payable within 7 days of the date you receive the invoice. Ongoing fees are deducted from the portfolio cash account monthly in arrears. --- ## Conflicts of Interest and Commissions, or Other Incentives Our advisers receive a portion of the fee for our DIMS service that our clients pay; our remuneration structure may give rise to a conflict of interest. To ensure that we prioritise our client's interests above our own: - We do not receive commissions or trails from product providers; including KiwiSaver and other managed funds recommended. Any trail commissions available are rebated back to our clients where the product provider allows. - We follow an advice process that ensures our recommendations are made solely on the basis of our client's individual goals and circumstances. - We use appropriate product research to help to ensure that the products we recommend are suitable for our client's needs and are not influenced by other factors. - All our advisers undergo annual training on how to manage conflicts of interest. - We maintain registers of conflicts of interest and the gifts and incentives we receive. These registers are monitored regularly, and additional training is provided as required. We undertake an annual independent Compliance Assurance audit to review our advice process. --- ## Complaints Handling & Dispute Resolution If you are not satisfied with our service or financial advice, please tell us as soon as possible. **Phone:** 09 361 3670 **Email:** enquiries@rutherfordrede.co.nz **Write to:** The Compliance Officer, PO Box 147 246, Auckland 1144, New Zealand ### 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 immediately, we will acknowledge your complaint within 2 business days. We may contact you to get further information about your complaint. - We aim to resolve complaints within 10 working days of receiving them. 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. ### External Disputes Resolution If we cannot agree on how to fix the issue, or if you decide not to use our internal complaints process, you can contact our external disputes resolution service: **Financial Dispute Resolution Service** Financial Dispute Resolution Service provides a free and independent dispute resolution service that may help to resolve your complaint if we have not been able to do so to your satisfaction. **Post:** Freepost 231075, PO Box 2272, Wellington 6140, New Zealand **Phone:** 0508 337 337 **Email:** enquiries@fdrs.org.nz --- ## Duties Information Rutherford Rede Limited and our advisers 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 - Exercise care, diligence, and skill - Meet standards of competence, knowledge, and skill set by the Code of Professional Conduct for Financial Advice Services - Meet standards of ethical behaviour, conduct, and client care set by the Code of Professional Conduct for Financial Advice Services --- ## Contact Details **Rutherford Rede Limited (FSP174024)** is the Financial Advice Provider. **Phone:** 09 361 3670 **Email:** enquiries@rutherfordrede.co.nz **Write to:** PO Box 147 246, Ponsonby, Auckland 1144 **A written copy of this information is available upon request.** --- ## https://financeadvisers.co.nz/api/provider/FSP20902/disclosure.md > _Markdown transcription of Bay Insurance Brokers Limited's Public Disclosure Statement, version 2026-05-24. Source: https://bayinsurance.co.nz/company-disclosure/._ --- # Company Disclosure — Bay Insurance Brokers Ltd **Name of Financial Advice Provider:** Bay Insurance Brokers Limited **Trading names:** Bay Insurance **Telephone Number:** 07 578 0739 **Address:** 273 Devonport Road, Tauranga 3110 **Email address:** info@bayinsurance.co.nz **Website:** www.bayinsurance.co.nz --- ## It is important that you read this information It will help you, the client, make an informed decision on whether we, Bay Insurance Brokers Limited, and our advisers' financial advice and products are suitable for your needs and whether to seek, follow or accept the financial advice. This Disclosure Statement is required under the Financial Markets Conduct (Regulated financial advice Disclosure) Amendment Regulations 2020. --- ## Licenced Financial Advice Provider We are licenced as a Financial Advice Provider by the Financial Market Authority of New Zealand (FMA) – Further detail on their website: https://www.fma.govt.nz/. The Financial Services Legislation Amendment Act 2019 requires Bay Insurance Brokers Limited to hold a current licence for our advisers to provide financial advice Services to our clients. To view our licence, go to the Financial Service Providers Register https://fsp-register.companiesoffice.govt.nz/ and search our Financial Service Provider (FSP) number **FSP20902**. As a Licenced Financial Advice Provider, we have Standard Conditions on our licence. These conditions are not specific to Bay Insurance Brokers Limited and do not limit or restrict any advice that may be given. We do not have any additional specific conditions imposed upon our licence. --- ## Nature and Scope of our Advice to you Bay Insurance Brokers Limited and our advisers provide financial advice on Insurance Products for both Commercial and Domestic clients. ### Fire and General Insurers | | | |---|---| | 360 Underwriting Solutions Pty Ltd on behalf of AIG Insurance New Zealand Ltd | AIG Insurance New Zealand Ltd | | Allianz Travel, underwritten by Mitsui Sumitomo Insurance Company, Limited | Ando Insurance Group Ltd on behalf of Certain Underwriters at Lloyds of London | | Ando Insurance Group Ltd on behalf of The Hollard Insurance Company Pty Ltd | Chubb Insurance New Zealand Ltd | | Classic Cover Insurance on behalf of Lumley a division of IAG New Zealand Ltd | Cover-More (NZ) Ltd on behalf of Zurich Australian Insurance Ltd | | Delta Insurance New Zealand Ltd on behalf of Certain Underwriters at Lloyds of London | DUAL New Zealand Limited is an agent underwriting for and on behalf of certain underwriters at Lloyd's | | NZI & Lumley, divisions of IAG New Zealand Ltd | Nautilus Marine T/A Nautilus Marine Underwriting Agency as Underwriting agents for Zurich Australia | | Protecsure on behalf of Chubb Insurance New Zealand Ltd | QBE Insurance (Australia) Ltd | | Star Insurance on behalf of Berkshire Hathaway Specialty Insurance Company | Swann Insurance. A business division of IAG New Zealand Limited. | | TLC Insurance on behalf of AIG Insurance New Zealand Ltd | The New India Assurance Company Limited | | TLC Insurance on behalf of Vero Liability Insurance Ltd | UAA on behalf of QBE Insurance (Australia) Ltd | | Vero Liability Insurance Ltd | Vero Insurance New Zealand Ltd | | Velos Insurance Services Ltd on behalf of Certain Underwriters at Lloyds of London | Zurich Australian Insurance Ltd | ### Life and Personal Risk Insurers | | | |---|---| | AIA New Zealand Ltd | AMP (Resolution Life New Zealand Ltd) | | Asteron Life Ltd | Chubb Life Insurance New Zealand Ltd | | Fidelity Life Assurance Company Ltd | Partners Life Ltd | | NIB NZ Insurance Ltd | Southern Cross Medical Care Society | Our Insurance product providers are Insurance businesses in New Zealand that are licenced under 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: https://www.rbnz.govt.nz/regulation-and-supervision/insurers/licensing/register Bay Insurance Brokers Limited recommends Insurance product providers who have a minimum financial strength rating of **A- 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. If the only insurance solution available is with an Insurance Product Provider who has a financial strength rating of less than A-, we will advise you of this and ask you to confirm in writing you have received disclosure of the financial strength rating and consent to the insurance being arranged with that Insurer. --- ## Limitations and Restrictions Bay Insurance Brokers Limited is committed to providing our clients with good financial advice that is suitable for our client's needs. We are able to provide advice and products for Fire and General Insurance as well as Life and Personal Risk Insurance. --- ## Fees and Commission We may charge clients fees for financial advice instead of, or in addition to, receiving commission from a product provider. We will disclose to you what the fee is before you accept any advice from us or our Advisers. In respect of General Insurance Products, 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 you choose to accept and purchase. Such fees will be disclosed to you at the time we provide our financial advice and will also be disclosed on our invoice(s). The total fees payable may increase with the number of insurance policies that you choose to purchase. The fees are included in the total premium listed on the invoice and are payable by you by the date noted on the invoice. --- ## Our 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 conflict of interests. We also perform an annual review of our compliance programme. You should be aware 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 aim to avoid any conflicts of interest that may arise, and we will make you aware of any possible conflicts when giving advice. --- ## How we get paid for the Advice and Products we provide Bay Insurance Brokers Limited and our Advisers **do not** receive any commission or other incentives for **giving** Financial Advice. Bay Insurance Brokers Limited and our advisers **do** receive commission when the client accepts our financial advice and **purchases** an insurance policy. The commission is paid by the Insurer (product provider's) for the insurance business on each insurance policy that the client purchases. The commission paid to us and our Advisers varies depending on the type of insurance we arrange. ### Fire and General Insurance For Fire and General Insurance, commission can range between **0–30%** of the insurer portion (total premium of the Insurance Policy less government levies and taxes). We receive the same level of commission when we renew the insurance on our client's behalf. ### Life and Personal Risk Insurance For Life/Personal Risk Insurance, initial commission can range between **0–230%** of the insurer's first year's premium when new insurance is arranged. Some, or all, of this initial commission is repaid to the insurer if the insurance is cancelled within 24 months of its inception. We receive trail commission between **0–35%** at each anniversary of the insurance. ### NZbrokers Management Limited We are a member of NZbrokers Management Limited, who provides services such as IT, education, training, technical insurance product and claims support, and group member benefits to us. When a client accepts our financial advice as your adviser and purchases a policy, NZbrokers may receive a service fee or technology fee from the Product Provider. --- ## Our Reliability 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 or our advisers. --- ## How to make a Complaint If you have a problem or concern, or you are dissatisfied with either a Product or Financial Advice Service that has been provided by us or our Advisers, and you require action to be taken, please contact us so that we can help and fix the issue. To make a Complaint please follow this link https://www.bayinsurance.co.nz/contact-us/feedback/ which will detail our Complaints Process and how to make a Complaint. If a complaint is received by us, 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 our Complaints Manager. You will receive a written decision, remedy, or 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 our complaints process, or you are unsatisfied with the response or resolution, you may refer your complaint to **Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service.** FSCL is our independent external ombudsman and dispute resolution service that has been approved by the Minister of Consumer Affairs under the Financial Service Providers (Registration and Dispute Resolution) Act 2008. **FSCL's service is free of charge to you.** The following link will detail the process to make a complaint to Financial Services Complaints Limited: http://www.fscl.org.nz/complaints/how-make-complaint **FSCL Contact Information** Telephone: 0800 347 257 Postal Address: P.O. Box 5967, Wellington 6145 Email: info@fscl.org.nz Website: http://www.fscl.org.nz/ --- ## Our Duties Bay Insurance, 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 isn't 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 https://www.fma.govt.nz. Our advisers must: - Hold a Level 5 New Zealand Certificate in Financial Services (or equivalent qualification) - Maintain competence, knowledge, and skills for giving Financial Advice by continuing professional development - Listen to the client carefully to discover their needs - Recommend products or services that meet the client needs and explain why - Give clear and concise communication - Protect clients' information --- ## Licence and Regulation We are licenced and regulated by the Financial Markets Authority (FMA). You can report information about us to the Financial Markets Authority at: https://www.fma.govt.nz/contact/ or email questions@fma.govt.nz — but if you want to complain you should 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 updated on: 1 May 2025* --- ## Sub-documents The following linked documents are referenced on this page but their content is not reproduced here: - **Terms of Trade** – Bay Insurance Brokers Ltd: https://bayinsurance.co.nz/terms-of-trade-2/ ### Individual Adviser Disclosure Documents - Barry O'Neill – https://bayinsurance.co.nz/wp-content/uploads/2025/05/Individual-Disclosure-Statement-Barry-ONeill-V4.pdf - Mark O'Connor – https://bayinsurance.co.nz/wp-content/uploads/2025/05/Individual-Disclosure-Statement-Mark-OConnor-V4.pdf - Chris Gear – https://bayinsurance.co.nz/wp-content/uploads/2025/05/Individual-Disclosure-Statement-Chris-Gear-V4.pdf - Ben Elliott – https://bayinsurance.co.nz/wp-content/uploads/2025/05/Individual-Disclosure-Statement-Benjamin-Elliott-V2.pdf - Christine Taukiri – https://bayinsurance.co.nz/wp-content/uploads/2025/05/Individual-Disclosure-Statement-Christine-Taukiri-V5.pdf - Emma Crosby – https://bayinsurance.co.nz/wp-content/uploads/2025/05/Individual-Disclosure-Statement-Emma-Crosby-V4.pdf - Cameron Shakes – https://bayinsurance.co.nz/wp-content/uploads/2025/05/Individual-Disclosure-Statement-Cameron-Shakes-V2.pdf - Lisa Gabolinscy – https://bayinsurance.co.nz/wp-content/uploads/2025/05/Individual-Disclosure-Statement-Lisa-Gabolinscy-V2.pdf - Gagan Kaur – https://bayinsurance.co.nz/wp-content/uploads/2025/05/Individual-Disclosure-Statement-Gagan-Kaur-V2.pdf - Michelle Bailey – https://bayinsurance.co.nz/wp-content/uploads/2025/05/Individual-Disclosure-Statement-Michelle-Bailey-V5.pdf - Angela Mattern – https://bayinsurance.co.nz/wp-content/uploads/2025/05/Individual-Disclosure-Statement-Angela-Mattern-V4.pdf - Amanda Edhouse – https://bayinsurance.co.nz/wp-content/uploads/2025/05/Individual-Disclosure-Statement-Amanda-Edhouse-V4.pdf - Lakyn Arnerich – https://bayinsurance.co.nz/wp-content/uploads/2024/07/Tauranga-Individual-Adviser-Disclosure-Lakyn-Arnerich-V3.0.pdf - Sandra Platt – https://bayinsurance.co.nz/wp-content/uploads/2024/07/Tauranga-Individual-Adviser-Disclosure-Sandra-Platt-V3.0.pdf - Kathryn Lemoto – https://bayinsurance.co.nz/wp-content/uploads/2025/05/Individual-Disclosure-Statement-Kathryn-Lemoto-V4.pdf - Vicki Wells – https://bayinsurance.co.nz/wp-content/uploads/2025/05/Individual-Disclosure-Statement-Vicki-Wells-V4.pdf - Emmeline Van Der Zee – https://bayinsurance.co.nz/wp-content/uploads/2024/11/Tauranga-Individual-Adviser-Disclosure-Emmeline-Van-Der-Zee-V1.pdf --- ## https://financeadvisers.co.nz/api/provider/FSP22364/disclosure.md > _Markdown transcription of Marsh Limited's Public Disclosure Statement, version 2026-05-23. Source: https://www.marsh.com/content/dam/marsh/Documents/PDF/en_nz/marsh-financial-advice-provider-disclosure.pdf._ --- # Financial Advice Provider Disclosure Marsh Limited ("we, our, us") (FSP22364), trading as Marsh, Mercer Marsh Benefits and Marsh Specialty, holds a licence issued by the Financial Markets Authority to provide a financial advice service. It is a condition of our licence that Marsh can only provide financial advice on non-life general insurance products and life and health insurance products. We engage financial advisers who can provide financial advice to our customers (you, your) on our behalf. They advise on these products which are offered by a number of insurance companies both in New Zealand and overseas. You will be advised of the scope of advice service you are receiving from Marsh financial advisers, including the scope of products that can be advised on, and the insurance providers that will be approached, when you engage with a Marsh adviser. ## Our duties Marsh and our financial advisers are bound by the following duties to: * meet the standards of competence, knowledge and skill set out in the code of professional conduct for financial advice services ("Code of Conduct"); * give priority to our customers' interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of the advice; * exercise the care, diligence and skill that a prudent person engaged in the occupation of giving regulated financial advice would exercise in the same circumstances; and * comply with the standards of ethical behaviour, conduct and client care set out in the Code of Conduct. 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 https://www.fma.govt.nz. ## Contact details Call us on 0800 627 744 between the hours of 8.30am-5pm weekdays. Mail us at PO Box 2221, Shortland Street, Auckland 1140 ## Fees, expenses or other amounts payable **Service fee:** We may charge a fee for our services in lieu of, or in addition to, commissions paid to us by insurers (Broking Commission). **Administration fee:** In addition to Broking Commission or a Service Fee, we may charge an Administration Fee to cover our disbursements and expenses incurred in the administration and servicing of clients. This includes recovery of telephone, mobile phone, and general office administration overheads which can ordinarily be regarded as disbursements incurred in the day to day running of a client file. **Your insurance:** You will need to pay certain amounts associated with your insurance, such as premiums and claims excess. You may also be required to pay certain taxes and, depending on the type of insurance, statutory charges (most notably to the [Earthquake Commission (EQC Levy)](https://www.eqc.govt.nz) and [Fire & Emergency New Zealand (FENZ Levy)](https://www.fire.org.nz)). **Premium funding:** If we assist you with obtaining Premium Funding, we will receive a commission and/or fee from the premium finance company. **Credit card payments:** If you pay us by credit card, we will include an additional surcharge in addition to the amount that you are paying us. The full amount of this surcharge is paid to the credit card issuer. All fees and expenses will be disclosed to you at the time financial advice is provided and/or during the processing of any claims. The above fees charged by Marsh are usually nonrefundable after the service is given. ## Conflicts of interest and commissions or other incentives **Broking Commission (commonly known as "brokerage"):** Broking Commission may be paid to us by insurer(s) for arranging your insurance. Broking Commission is included in the amount of the premium charged by insurer(s) and is based on a percentage of the premium, less taxes and statutory charges. When you pay us the premium, we retain our Broking Commission and pay the balance to the insurer. The amount of Broking Commission may vary depending on a number of factors, including the type of insurance product and the insurer selected by the client. The amounts of Broking Commission payable can vary and will be disclosed to you during our advice process. The Broking Commission is payable when the contract of insurance is arranged, it reflects the remuneration for arranging the contract of insurance. The Broking Commission itself is not refundable in the event that you make changes to your policy mid-term, or if you or the insurer cancel the policy mid-term. In the event of mid-term changes which generate a credit of premium, you may receive a refund of an amount in accordance with the terms of your policy with the insurer. **Benefits or compensation:** We may, from time to time, participate in insurer funded promotional events or training and development. Sometimes we are reimbursed by insurers for our costs related to promotional marketing. Marsh financial advisers may also receive non-monetary benefits from insurers which may include entertainment and attendance at insurer sponsored functions. These benefits are not generally attributed to any particular type of insurance or insurance policy. We may be remunerated by insurers for undertaking administrative services on their behalf. **Placement platforms:** We may arrange insurance using electronic placement systems that enable the exchange of information including the issuing of policy documentation. We are remunerated by insurers who use these placement platforms. **Delegated underwriting:** We may be delegated underwriting and claims handling authority by insurer(s) for which we may be remunerated by the insurer. This remuneration may be a commission that is calculated as a percentage of premium (and paid separately to Broking Commission) or a fee. **Individual Financial Adviser incentives – Employees:** In addition to their salary, some of our financial advisers receive remuneration directly related to their involvement in increasing our business revenue. **Individual Financial Adviser incentive – Independent contractors:** Some of our financial advisers are independent contractors and they are exclusively remunerated by us paying them a percentage of the Broking Commission and/or Services Fee we receive. **Other factors:** Our remuneration may be influenced by factors such as the volume of business placed with an insurer or insurer profit from the business. To ensure that Marsh financial advisers prioritise your interests above their own, Marsh financial advisers follow an advice process that ensures their recommendations are made on the basis of your goals and circumstances. All our financial advisers undergo ongoing training about how to manage conflicts of interest and we have compliance policies to ensure that the conflicts identified do not create a conflict with your interests. Marsh undertakes a compliance audit, and a review of our compliance programme by a reputable compliance adviser, on a regular basis. ## Complaints and disputes resolution process If you are unhappy with any of our services please contact us so that we can try to put things right. You may contact Marsh in one of the following ways: * Contact your financial adviser directly * Call us on 0800 627 744 between the hours of 8.30am-5pm weekdays * Mail us at PO Box 2221 Shortland Street, Auckland 1140 * Complete our online ['Contact us'](https://www.marsh.co.nz/contact-us) form and state you wish to make a complaint. ### How we will review your complaint In many cases we will be able to resolve your complaint immediately. If we need more time to conduct a review we will acknowledge your complaint within 2 working days. We will let you know our complaint handling process, details of who will be handling your complaint and a timeframe for our further response. We will endeavour to investigate and resolve your complaint within 20 working days. In doing this we will be fair and strive to understand both sides of the story. We will keep a record of all discussions and correspondence, keep you informed of progress, and provide you with an explanation of our decisions. Your complaint will be escalated to an appropriate level of authority for a resolution and we will ensure resolutions are consistent with our company policies. ### If we can't resolve your complaint We expect that our response to you will have addressed the concerns you have raised. If you feel that your concerns have not been appropriately considered, we invite you to submit any further information for consideration. For our clients who are individuals or small to medium enterprises who are not satisfied with our response or if we have not resolved your issue within 40 working days, you can refer the complaint to our external disputes resolution scheme Financial Services Complaints Ltd (FSCL) (subject to their Terms of Reference). FSCL offers a free, independent and impartial dispute resolution service for our industry. You can contact them by phone on 0800 347 257, email [info@fscl.org.nz](mailto:info@fscl.org.nz) or write to PO Box 5967, Wellington 6140. --- Copyright © 2023 Marsh Limited. All rights reserved. --- ## https://financeadvisers.co.nz/api/provider/FSP228746/disclosure.md > _Markdown transcription of Gyb Insurance Brokers Limited's Public Disclosure Statement, version 2026-05-18. Source: http://www.gybinsurance.co.nz/wp-content/uploads/Publically-available-GYB-disclosure.pdf._ --- # Licence status and conditions GYB Insurance Brokers Ltd, FSP228746 holds a financial advice provider licence, issued by the Financial Markets Authority, to provide financial advice. It is a condition of our licence that we, together with any person giving advice on our behalf, can only provide advice on general insurance products. # Nature and scope of financial advice service We engage financial advisers to provide financial advice on general insurance products on our behalf. These are policies that insure your personal or business assets or protect you or your business assets, liabilities and business income. We are not able to provide advice on personal income protection or investment policies but are able to refer you to associates who are licensed to provide advice on such products. We have access to most insurance markets in New Zealand (excluding direct Insurers) along with access to overseas markets as required. A list of the types of general insurance we can provide financial advice on and the product providers who provide such insurance products can be found here www.gybinsurance.co.nz. The specific types of general insurance that individual advisers can advise customers on may vary. # Fees, expenses or other amounts payable We may charge a fee for the advice given to you and for implementing that advice. If a fee is to be charged it will be based on the amount of work and time required to provide and implement our advice and will be shown on our invoice to you, payable on payment of your premium. The amount of any fee will be disclosed either at the time we know the scope and nature of the advice required or when we provide our advice to you. # Premium funding Premium funding products enable you to pay the insurance premium over the term of your policy by instalments rather than as one amount. Premium funders charge interest and they take a power of attorney over your insurance policy, this means they have the ability to cancel your insurance policy if you fail to pay an instalment. If you enter into such an arrangement the premium funder will pay us a commission as a percentage of the amount they fund. The amount of this commission, will be disclosed to you when we know the scope and nature of the advice required and whether you intend to utilise the services of a particular premium funder. Commission will be paid to us directly from the premium funder. # Conflicts of interest and commissions or other incentives GYB Insurance Brokers Ltd will receive commission from the insurance companies on whose policies we give advice. If you decide to take out a policy, the insurer will pay us commission based on the premium that you pay. We are a member of Steadfast NZ Limited (Steadfast). Steadfast supplies technology platforms, management, marketing, professional, technical, and buying benefits and services to support us in providing our financial advice services. Steadfast has arrangements with insurance companies under which Steadfast receives a professional services fee of up to 1.5% of the premium paid for each policy arranged by us with those insurers. Steadfast may also receive a fee of 0.5% of any amount a customer has funded through a premium funder. These payments are used to operate Steadfast. A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute, including in respect of liability. In this instance the adviser would clearly disclose the conflict of interest to the clients and would refer one of these clients to another of our financial advisers for further advice and assistance. We manage all conflicts of interest, ensuring our financial advisers prioritise your interests above their own, by following an advice process that ensures our recommendations are made on the basis of your needs and circumstances. All of our financial advisers complete training to understand and manage conflicts of interest. We maintain a register of conflicts of interests and any gifts and other incentives that we may receive. We review our compliance programme annually. # Duties GYB Insurance Brokers Ltd and our financial advisers are bound by the following duties under the Financial Markets Conduct Act 2013 to: - meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and - give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and - exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and - meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. # Complaints If you are unhappy with our financial advice service please contact your financial adviser so he or she can try to put things right. If you wish to make a complaint, or do not feel comfortable discussing your concerns with your adviser, you can contact us as follows: - Call us on (04) 586 2728 between the hours of 8.30am – 5.00pm week days - Email us at info@gyb.co.nz - Write to us at P O Box 30 500, Lower Hutt 5040, addressing your letter to the attention of Complaints Manager ## How your Complaint will be handled Your adviser will attempt to resolve any issue of dissatisfaction with you immediately. If the matter cannot be resolved to your satisfaction, the adviser will escalate the complaint to his or her manager, notifying you accordingly. We will send you an acknowledgement of your complaint within five working days of your complaint being notified to us. This letter will provide you with our timeline to respond to you and the name of the manager who will be managing our response. The manager will investigate and contact you to try to resolve the complaint to your satisfaction. It is important that you provide this person with all relevant information. We will provide you with a written update within 20 working days of receiving your complaint. If we are unable to provide a full response to you at that point, our letter will explain why we are not yet in a position to do so and tell you when we will next contact you. 40 working days after the receipt of your complaint we will issue a final resolution. If we need to continue our review past this point, we will explain to you the reason for the delay and the required timeframe to provide a full response. At this point, if you feel that the delay is unsatisfactory, you can redirect your complaint to our external dispute resolution service provider detailed below. ## If we are unable to resolve your complaint We expect that our response to you will have addressed the concerns you have raised. If you feel that your concerns have not been appropriately considered, we invite you to submit any further information for consideration. If we are unable to resolve your complaint despite our best efforts, you can contact our external dispute resolution scheme, who provides a free and independent dispute resolution service. The contact details for our external dispute resolution service provider are: Insurance & Financial Services Ombudsman Scheme Inc L2, Solnet House, 70 The Terrace, Wellington 6143 0800 888 202 info@ifso.nz https://www.ifso.nz/ # Contact details GYB Insurance Brokers Ltd, FSP228746 is the Financial Advice Provider. We can be contacted as follows: **Office** +64 4 586 2728 **Office Address** Unit 38 – 55 Percy Cameron Street Avalon Lower Hutt 5011 **Postal Address** P O Box 30 500 Lower Hutt 5040 **Email** info@gyb.co.nz --- ## https://financeadvisers.co.nz/api/provider/FSP23242/disclosure.md > _Markdown transcription of Advicefirst Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.advicefirst.co.nz/financial-advice-provider/._ --- # Important Information & Financial Advice Provider Disclosure ## About Us AdviceFirst Limited (FSP23242), trading as **enable.me**, is a registered Financial Advice Provider (FAP) under the Financial Markets Conduct Act 2013 and is licensed by the Financial Markets Authority (FMA) to provide financial advice services. In this document, 'we', 'us', 'our', and 'enable.me' all refer to AdviceFirst Limited (FSP23242), the licensed Financial Advice Provider. Types of financial advice we offer: - Specialised investment planning services provided through a team of dedicated coaches - Strategic financial advice on Wealth, Insurance and KiwiSaver products through a team of dedicated advisers. All regulated financial advice is provided by licensed financial advisers engaged by AdviceFirst Limited. Financial coaching and education services are provided in accordance with applicable regulatory boundaries. You can find information about our registration and licensing on the Financial Service Providers Register. Our services are designed to help clients make informed financial decisions and may include: - Financial coaching and guidance - Personal financial planning and goal setting - Advice on investments and wealth strategies - Advice on personal insurance products - Advice on KiwiSaver schemes Where required by law, advice is provided by licensed financial advisers. Some services may be provided as financial coaching or guidance and may not constitute regulated financial advice. --- ## Nature and Scope of Advice We provide financial advice to retail clients. The scope of advice may include: - Wealth and investment strategies - Insurance products - KiwiSaver schemes Advice is provided based on the information you provide to us and your individual circumstances, objectives, and financial situation. ### *Investment products and services* - Managed funds - Exchange-traded funds (ETFs) - Term deposits - Directly held debt and equity securities - Legacy products, such as whole of life and endowment policies - KiwiSaver schemes - Superannuation ### *Life and health insurance products and services* - Life insurance - Income protection - Mortgage protection - Group insurance and employee benefits - Medical or health insurance - Trauma cover - Disability cover ### *Investment planning services* We offer specialised investment planning services through our Financial Coaches. These services are offered through specific 'programmes' which include financial advice on strategies to build your wealth, financial management, and cash-flow management. We create a personalised plan for clients in these programmes which usually covers strategies to repay debt, build an investment portfolio, retirement savings plans, effective banking and reducing personal risk through insurance products. Our financial coaches **do not** provide advice on which product providers to use but may refer you to a financial adviser within enable.me for the specific product advice and on the most suitable product provider. This includes advice on insurance, KiwiSaver, managed funds, and direct property investing. Coaches may also refer you to third party advisers. If you already have your own financial adviser, we can work with them for this specific advice. Once the plan has been agreed upon, our role is to help you implement your financial plan and keep on track to achieve your goals and objectives. --- ## Our Preferred Providers We refer to an Approved Product List (APL) for investment and KiwiSaver solutions, and life and health insurance products. Products in these APLs have gone through due diligence with research professionals. The list is reviewed regularly. ### *Our life and health insurance providers are:* - AIA - Asteron Life - Fidelity Life - Resolution Life - nib - Partners Life - Southern Cross - Chubb Life ### *For KiwiSaver we use the following providers:* - AMP KiwiSaver scheme - OneAnswer KiwiSaver scheme - Milford KiwiSaver Scheme - Booster KiwiSaver scheme - Generate KiwiSaver scheme - Fisher Funds KiwiSaver Scheme ### *Our wealth management and investment partners are:* - Amova Asset Management New Zealand Limited - AMP Wealth Management New Zealand Limited - Bentham Asset Management - Fisher Managed Funds Limited - Harbour Asset Management Limited - Hunter Investment Funds - iShares - Magellan Asset Management Limited - Mercer (N.Z) Limited - Milford Asset Management - OneAnswer - Resolution Capital Limited - Schroder Investment Management Australia Ltd - T Rowe Price International Ltd If we can't find a suitable solution for you through our APL, we will look at other options for you. Our advisers can also help you with your existing products, funds and policies. --- ## Fees and How We Are Paid We don't expect to charge any one-off fees for the advice we provide on Wealth and investment strategies, Insurance products, and KiwiSaver schemes. If we do, we'll discuss this with you and obtain your agreement before we provide the advice. For wealth and investment advice, we charge an ongoing portfolio servicing fee (PSF) for managing your investments, based on the level of funds under management. Our financial coaching services operate on a fee-for-service model. We charge a fee to prepare the financial plan and for any financial advice provided to a client. **Initial Consultation** – There is an initial consultation fee for the preparation and assessment of your situation, the cost of which is discussed with you and agreed prior to the first meeting. The initial consultation fee is **$400 (including GST)** – unless discounted for a promotional campaign offer – and is payable by the client 7 days after the invoice is issued. **Programme Fee** – If you choose to work with us on one of our programmes, we will prepare a programme recommendation and plan that is suitable for you and provide you with the fee for that programme. The cost of a programme ranges from approximately **$1,999 – $12,499 (including GST)**. This fee will be payable after the invoice is issued. Early payment discount or payment terms can be agreed. The final cost for a client depends on each individual's situation, the programme you select and the services you require. --- ## Conflicts of Interest Our advisers and coaches are salaried employees and don't receive any commission payments. Enable.me receives commissions from product providers (for example Insurance and KiwiSaver providers) if we are the servicing agent for your policy. We will advise you about any commission payments we will receive before you proceed with any recommendations. Any product recommendations provided are based solely on your goals and objectives, and within the boundaries of our approved product lists (APL). Enable.me does not provide Mortgage advice so we work with **Squirrel Mortgages** if clients need help finding the most suitable product provider and product to suit their financial plan. We also use **KEY2Invest** (previously Momentum Realty 2023 Ltd) – a real estate agency – to help clients find their perfect investment property. If you use Squirrel or KEY2Invest (previously Momentum) then AdviceFirst may receive an introduction fee, referral fee or commission split payment from them. You are under no obligation to use these advisers; we can work with your existing financial adviser if you choose. Advisers get annual training on how to manage conflicts of interest. We also maintain and monitor records of any conflicts of interest, including any gifts or incentives our advisers receive that are worth more than $100. ### Ownership Disclosure At an organisational level, AdviceFirst (trading as enable.me) is **owned by AMP** (a long-established financial services company). We understand that this may create a perceived conflict of interest with AMP also being one of the product providers that we advise on. We manage any potential or perceived conflict of interest with our AMP links by having our advisers follow internal processes to ensure that they give priority to your interests. Any product recommendations our advisers give are based solely on your goals and objectives, within the boundaries of our APL. --- ## Duties and Obligations AdviceFirst Limited and its advisers are bound by duties under the Financial Markets Conduct Act 2013 to: - give priority to your interests by taking all reasonable steps to make sure our advice is in your interest and not our own - 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 standards 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 standards are designed to make sure we treat you as we should and give you suitable advice) The points above are a summary. More information about the Financial Markets Conduct Act 2013 and duties can be found on the Financial Markets Authority website. --- ## Privacy and Information Handling We collect, use, and store personal information in accordance with our [Privacy Policy](https://www.enable.me/privacy-policy/) and the Privacy Act 2020. Reasonable safeguards are in place to protect personal information from loss, unauthorised access, use, or disclosure. --- ## Complaints Process If you have a complaint about our services, please contact us in the first instance: **Email:** complaints@enable.me **Address:** AdviceFirst Limited, trading as enable.me, PO Box 10550, Wellington, 6143 **Phone:** 0800 897 898 More information about our complaints process can be found at [enable.me/complaints-process](https://www.enable.me/complaints-process/). --- *Note: A full disclosure document is available for download at: https://go.enable.me/advicefirst-enable.me-disclosure-v3* --- ## https://financeadvisers.co.nz/api/provider/FSP23642/disclosure.md > _Markdown transcription of Hamilton Hindin Greene Limited's Public Disclosure Statement, version 2026-05-23. Source: https://www.hhg.co.nz/wp-content/uploads/2024/03/HHG-Public-Disclosure.pdf._ --- # Hamilton Hindin Greene Ltd Disclosure **Financial Service Provider Number:** FSP23642 **Licensing Status:** Class 2 Financial Advice Provider, meeting the requirements of section 396 of the Act. **Licence conditions:** The Financial Advice Provider Licence is subject to conditions contained in the Act, imposed by regulations, and imposed by the FMA under section 403 of the Act. **Duration of licence:** Effective 21st September 2021 **Business Address:** Level 1 83 Victoria Street Christchurch 8013 **Telephone number:** 03 379 8420 **Fax number:** 03 379 8472 **Email address:** enquiries@hhg.co.nz --- ## It is important that you read this document This information will help you to choose a financial adviser that best suits your needs. It will also provide some useful information about the financial adviser that you choose and should be read in conjunction with HHG's Terms & Conditions. In addition to the information disclosed to you in this statement a financial adviser will also disclose other information to you. This will be provided in separate documents (or statements) specific to your circumstances including but not limited to information about the types of services that they provide, the specific fees that apply to you, and any actual or potential conflicts of interest. This additional information will be provided when the nature and scope of the advice is known and when the advice is provided to you. --- ## What sort of Client Service does Hamilton Hindin Greene provide? Hamilton Hindin Greene provides clients with share broking, investment advice and portfolio management services. HHG's financial advisers can provide advice, opinions, and recommendations in the following areas of investment advice and service. - Transactional Share Broking (receiving/placing orders for clients and providing advice on individual listed securities). - Investment planning - KiwiSaver advice - Custodial service (holding assets in safe keeping, essential for some overseas assets) - Portfolio management service (called Overview) The advice provided will be limited by the exact nature and scope of services that you are seeking. HHG however, does not provide full financial, Estate or cash flow planning services. Should the adviser not have the necessary expertise or capacity to provide suitable advice they will recommend that you seek guidance from a specialist advice provider. --- ## What sort of products does Hamilton Hindin Greene provide advice on? In providing investment recommendations Hamilton Hindin Greene and its advisers are not restricted to using any product type or provider. A full list of the types of securities the adviser may recommend is given below. - Direct Equities and Fixed Interest Securities - Listed and Unlisted public companies - Savings and Investment Products - Finance company debentures and capital notes - Superannuation - Tax paid investments bonds - Bank accounts and term deposits - Cash Management Funds - Unit Trusts - Exchange Traded Funds - Listed and Unlisted Managed Funds - KiwiSaver As a share broker our specialty is the provision of advice to clients that are familiar with investing in direct equities and fixed interest securities. The advice provided will not be limited to equities and fixed interest securities and when appropriate any of the securities listed may form part of a recommendation. An adviser at HHG will not recommend investing if it is not cost effective or appropriate to do so. The adviser may recommend that you seek guidance from an alternative advice provider should they feel it is in your best interests to do so. --- ## Fees and Charges This section describes the fees and charges that may apply in relation to the financial adviser services that HHG advisers may provide, as well as other interests, relationships and associations that may be relevant. Advisers are employees of HHG, they will not charge you any fees personally. However, you may be charged a fee by HHG in relation to the services provided to you by the adviser. These fees and charges will vary according to the nature of the services provided to you. Our fees and charges will include: - Brokerage and other fees, charges, duties and taxes at the rate or rates notified by us to you from time to time either generally or in respect of a particular transaction. - Any agency fees and other charges incurred in effecting an overseas transaction; and - Any charges or penalties imposed by, any agent, another broker or by the NZX or other stock exchange including, without limitation, charges or penalties imposed as a result of late or non-delivery of scrip, holder identification particulars or any other information or requirements. - Administration fee on assets that may be held in custody. - Monitoring fee on assets that may be held in custody. - Adviser fees associated KiwiSaver investments. Information on the specific brokerage rates, custody fees, KiwiSaver, and any charge for the Overview portfolio service will be provided as and when the nature and scope of the service to be provided to you is known. --- ## Adviser Remuneration Adviser remuneration comprises the following elements: - a fixed salary; - a potential bonus; and - non-financial benefits. Advisers may have a direct or indirect pecuniary or other interest in giving investment advice to you, and receive remuneration indirectly, from a party other than you, in connection with giving investment advice to you or a transaction resulting from giving investment advice to you. --- ## Adviser Bonus A bonus is paid and is calculated by reference to a percentage of the total gross revenue generated by the adviser from brokerage and fees (currently, this percentage may be up to 40%, although this may be reviewed and amended by HHG from time to time) in excess of the adviser's monthly salary. They may also receive up to 40% of any monitoring fees from clients in custody or in the Overview portfolio service. This is also attributed on revenue generated above an agreed threshold (this too may be reviewed and amended by HHG from time to time). Advisers who are shareholders in HHG will also receive any distributions paid by HHG to its shareholders. --- ## Conflicts of Interest & Incentives HHG has its own internal policy to manage potential conflicts of interest. There are no incentives that favour the buying or selling of one product over another. HHG has an in-house Investment Committee, and any stock included in the Investment Committee Universe has met basic parameters. Where a stock sits outside these parameters' advisers follow a peer review process prior to inclusion in portfolios. The advice and services that advisers provide is monitored to ensure that they are appropriate and suitable for clients and that products are not churned to generate brokerage. If advisers fail to meet the required standards of behaviour and conduct, risk management, compliance, and advice, they may not be rewarded through incentive programs or salary increases. In addition, all advisers must maintain up to date records of their investment portfolios. Where an adviser has any interest in a particular security/investment they must disclose this interest when giving advice on that security/investment to you. All HHG staff transactions must be approved by the CEO, a Director, or the Compliance Manager of HHG. A register of staff trading, and disclosure of adviser interests is kept by HHG's compliance manager and reconciliations of adviser transactions are undertaken both daily and at month end. --- ## What are our obligations and duties As a Financial Advice Provider and Financial Adviser, both HHG and the adviser must meet legal duties to comply with standards of competence, knowledge, and skill in the advisers Code of Conduct; give priority to client's interests; exercise care, diligence and skill; and meet standards of ethical behaviour, conduct and client care in the Code of Conduct: https://financialadvicecode.govt.nz/#Financial%20advice%20code%20website --- ## What should you do if something goes wrong? If you have a problem, concern, or complaint about any part of my service, please report it to our internal complaints scheme so that our internal complaints scheme can try to fix the problem. Please note we will not engage with any complaints made via social media platforms, please contact the internal complaints scheme by contacting our Compliance Manager (orally or in writing): **Compliance Manager** Hamilton Hindin Greene Ltd Level 1, 83 Victoria Street PO Box 10 Christchurch 8140 New Zealand **Phone:** +64 (3) 379 8420 **Email:** enquiries@hhg.co.nz If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact our approved dispute resolution scheme provider Financial Services Complaints Limited. This service will cost you nothing and will help us resolve any disagreements. You can contact Financial Services Complaints Limited (A Financial Ombudsman Service) at: **Address:** PO Box 5967 Lambton Quay Wellington 6145 **Telephone number(s):** 0800 347 257, (04) 472 3725 **Email addresses:** complaints@fscl.org.nz, info@fscl.org.nz --- ## If you need to know more, where can you get more information? If you have a question about anything in this disclosure statement or you would like to know anything more about this firm, please contact Hamilton Hindin Greene as detailed at the beginning of this document, or email enquiries@hhg.co.nz --- **This disclosure statement was prepared on 08.03.2024.** --- ## https://financeadvisers.co.nz/api/provider/FSP24361/disclosure.md > _Markdown transcription of Abbott Insurance Brokers Christchurch Limited's Public Disclosure Statement, version 2026-05-18. Source: https://abbott.co.nz/wp-content/uploads/2021/04/Financial-Advice-Provider-Disclosure-Statement-15-March-2021-1.pdf._ --- # Financial Advice Provider Disclosure Statement ## Licence status and conditions Abbott NZ Holdings Limited FSP704491 (Abbott, we, our), trading as Abbott Insurance Brokers and Abbott Life and Health, holds a licence issued by the Financial Markets Authority to provide financial advice. The Authorised Bodies under this licence are: * Abbott Insurance Brokers Auckland Ltd * Abbott Insurance Brokers Christchurch Ltd * Abbott Insurance Brokers Hamilton Ltd * Abbott Insurance Brokers Nelson Marlborough Ltd * Abbott Insurance Brokers Rangiora Ltd * Abbott Insurance Brokers Southern Ltd * Abbott Insurance Brokers Wellington Ltd * Abbott Life and Health (2015) Ltd * Abbott Management Ltd * Abbott Underwriting Agency Holdings Ltd * B & A Insurance Ltd * IC Frith Life & Health Ltd Our licence requires us to: * Keep records of all financial advice. * Have an internal process for resolving client complaints. * Comply with all financial markets conduct regulations, such as disclosing information to clients and reporting to regulatory authorities. ## Nature and scope of advice We engage financial advisers under our Authorised Bodies to provide financial advice on the following: * General insurance (commercial assets and liabilities and personal assets and liabilities) * Life and health insurance * KiwiSaver * Investments * Retirement planning * Mortgage and lending planning ### General insurance General insurance policies insure your personal or business assets, business income, and your personal and business liabilities. We have access to most insurance markets in New Zealand (excluding insurers that do not accept insurance through insurance brokers), along with access to overseas markets as required. The specific types of general insurance individual advisers can advise on may vary. ### Life and health insurance Life and health policies insure you as an individual, personally and within your business, for death, accident or illness. This is to help protect you, your business and family e.g. your ability to service any debt, provide funds for your estate, gain access to medical treatment or take time off work, and protect your business and your personal income. We have access to the major insurers in the New Zealand market. We can provide advice in relation to the following life and health insurance products. * ACC CoverPlus Extra * Accidental Death * Business Expenses * Debt Protection * Group Medical Insurance * Group Risk Insurance * Income Protection * Life Cover * Loss of Key Person/Loss of Revenue * Mortgage Protection * Private Medical Cover * Redundancy * Shareholders Cover * Terminal Illness * Total & Permanent Disability * Trauma Cover/Severity Based Trauma Covers * Waiver of Premium The specific types of life and health insurance individual advisers can advise on may vary. ### Investments, KiwiSaver and lending KiwiSaver helps you accumulate funds for a deposit on your first home and/or build funds for your retirement. Longer term investing helps you build a diversified portfolio to achieve your financial goals or retirement. Lending helps you with the purchase of property and assets. We have access to the main banks and second tier lenders. We can provide advice in relation to the following investment and lending products. * Car loans * Commercial loans * Extended vehicle warranty products * Home loans * Investments * KiwiSaver * Personal loans * SimpleWills The specific types of products individual advisers can advise on may vary. ## Fees and expenses ### General insurance If you take our advice and we place insurance on your behalf, we may charge a fee for implementing that advice and to maintain a high level of service to you throughout the policy period. A documentation fee will be included in your policy charge. The amount of any fee will be disclosed when we provide advice to you. There is no cost to you if you choose not to take our advice. ### Life and health insurance We receive commission from the providers of products we recommend but, on occasion, some providers may not pay a commission. In this situation, we may charge fees. If a fee will apply to the advice we provide, we will advise you before providing any advice so you may choose whether you wish to proceed on that basis. ### KiwiSaver and lending The following service fees apply. * KiwiSaver membership fees are paid to Abbott NZ Holding Limited by provider. * Fees can be added to your loan amount and will be paid to Abbott at the time your loan is advanced. ## Conflicts of interest and commissions or other incentives We manage all conflicts of interest, ensuring our financial advisers prioritise your interests above their own by following an advice process that ensures our recommendations are made on the basis of your needs and circumstances. All of our financial advisers complete training to understand and manage conflicts of interest. We maintain a register of conflicts of interests and any gifts and other incentives that we may receive. We review our compliance programme annually. ### General insurance We will receive commission from the insurance companies on whose policies we give advice. If you decide to take out a policy, the insurer will pay us commission based on the premium that you pay. We are a member of Steadfast NZ Limited (Steadfast). Steadfast supplies technology platforms, management, marketing, professional, technical, and buying benefits and services to support us in providing our financial advice services. Steadfast has arrangements with insurance companies under which Steadfast receives a professional services fee of up to 1.5% of the premium paid for each policy arranged by us with those insurers. These payments are used to operate Steadfast. A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute, including in respect of liability. In this instance the adviser would clearly disclose the conflict of interest to the clients and would refer one of these clients to another of our financial advisers for further advice and assistance. ### Premium funding Premium funding enables you to pay the insurance premium over the term of your policy by instalments rather than as one amount. Premium funders charge interest, and they take a power of attorney over your insurance policy, which means they have the ability to cancel your insurance policy if you fail to pay an instalment. We own the following premium funding companies, Abbott Premium Funding Company Limited and Endeavour Premium Finance Limited. Our premium funding companies may advance your premium allowing you to spread the payments over the term of your policy. If you enter into a premium funding arrangement with either of our companies, we will receive an interest component as disclosed in your premium funding documentation, and as per our disclosure obligations under the Credit Contracts Act. ### Life and health insurance We receive commission from the insurance companies whose policies we recommend. If you decide to take out the insurance we recommend, the insurer will pay commission to Abbott and/or the financial adviser who provider the advice. The amount of commission is based on the amount of premium associated with the insurance, which will be disclosed when the advice is given. ### Mortgages and lending We receive commission from some of the lenders we can provide mortgage recommendations for. If you proceed to implement the lending with the lender recommended to you, the lender will pay a commission to your financial adviser. The amount of the commission is based on the amount of the lending and specific remuneration will be advised to you when the advice is provided. ## Complaints process and dispute resolution ### Internal complaints process If you have a problem, concern or complaint about our service, please tell us so that we can try to put things right. Our contact details are: * complaints@abbott.co.nz * 0800 238 473 * Abbott Feedback, PO Box 3086, Christchurch 8140 Our internal complaints process is as follows: * We will consider your complaint and let you know how we intend to resolve it. We may need to contact you for additional information. * We aim to resolve complaints within 20 business days of receiving them. If we cannot resolve the issue, 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. ### Dispute resolution If you feel we have not resolved your complaint satisfactorily despite our best efforts, you may refer your complaint to Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service. FSCL is our independent external ombudsman and dispute resolution service that has been approved by the Minister of Consumer Affairs under the Financial Service Providers (Registration and Dispute Resolution) Act 2088. FSCL's service is free of charge to you. The contact details for FSCL are: Financial Services Complaints Limited (FSCL) PO Box 5967, Wellington 6145 0800 347 257 complaints@fscl.org.nz www.fscl.org.nz ## Duties information Our financial advisers have duties under the Financial Markets Conduct Act 2013 relating to the way we give advice. We are bound to: * Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice. * Give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice. * Exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances. * Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. ## Contact details 128 Kilmore Street, Christchurch 8013 PO Box 3086, Christchurch 8140 0800 238 473 enquiries@abbott.co.nz --- ## https://financeadvisers.co.nz/api/provider/FSP24848/disclosure.md > _Markdown transcription of Forsyth Barr Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.forsythbarr.co.nz/choosing-a-financial-advice-service._ --- # Choosing a Forsyth Barr Financial Advice Service > This page contains information to help you decide if our financial advice services meet your needs. --- ## We are a Licensed Financial Advice Provider Forsyth Barr Limited ("Forsyth Barr") holds a licence issued by the Financial Markets Authority ("FMA") to provide financial advice services. As a financial advice provider, Forsyth Barr, our Investment Advisers, and anyone else giving advice on our behalf are bound by duties to: - exercise care, diligence, and skill, - give priority to the client's interests, and - when dealing with retail clients, comply with the Code of Professional Conduct for Financial Advice Services, which includes standards relating to competence, knowledge, skill, ethical behaviour, conduct, and client care (you can find out more about the Code at [www.financialadvicecode.govt.nz](http://www.financialadvicecode.govt.nz)). --- ## How to Contact Us You can contact us by phone on **0800 367 227**. You will be connected to your nearest Forsyth Barr office. They'll be able to help with any questions you may have, and connect you to an Investment Adviser. --- ## Frequently Asked Questions ### What does "financial advice" mean at Forsyth Barr? Financial advice is help to make decisions about investing — based on your goals, how long you're investing for, and how comfortable you are with risk. At Forsyth Barr, advice can include discussing your options, recommending an approach, and helping you understand the services available. If you choose a discretionary service, the advice is generally about entering the service and setting the investment mandate (the rules and boundaries for how your portfolio is managed). ### What's the difference between advice and discretionary management (DIMS)? With **advice**, you stay in control of day-to-day decisions — you decide what to buy or sell. With **discretionary management**, you authorise a licensed provider to make investment decisions for you within an agreed mandate. That means they can act day-to-day without checking with you each time, as long as they stay within the rules you've agreed. ### What is a DIMS, and who regulates it? A **DIMS** (Discretionary Investment Management Service) is a service where you give a licensed provider authority to manage your investments for you within agreed guidelines. In New Zealand, DIMS providers are licensed by the **Financial Markets Authority (FMA)**, and the service is governed by disclosure documents that explain how it works, what it costs, and key risks. ### How do I choose between Premium Advisory, Private Portfolio Management, and Navigator? A helpful starting point is how involved you want to be: - **Premium Advisory:** you work with an adviser and generally make the final decisions. - **Private Portfolio Management:** a discretionary service where investments are managed day-to-day within a tailored mandate. - **Navigator:** a discretionary service where the portfolio (often using managed funds) is managed within an agreed mandate. An Investment Adviser can talk you through the differences and help you choose a service that fits what you need. ### Do I always need an Investment Adviser? Not always — it depends on what you're trying to do and which service you're considering. Many people choose to speak with an adviser because it helps clarify options, fees, and what's involved. If you decide to proceed with a service, you'll be able to review the relevant documents (such as Scope of Service and disclosure information) before making any decision. ### What research access is included? Forsyth Barr's services can be supported by research produced by Forsyth Barr and third parties. What you can access — and how you access it — can vary by service. Your adviser can explain what's included for the service you're considering and how research is used to support the investment approach. ### Where can I find the official documents (SDS / Scope of Service / licence info)? You can find official information in: - Forsyth Barr's service documents (including service disclosure and Scope of Service information), and - the **Financial Markets Authority (FMA)** register for provider and licensing information (including DIMS licensing). If you're unsure what applies to you, an adviser can point you to the right documents. --- ## Financial Advice in Our Investment Services We provide a range of investment services which vary in terms of the range of financial products available or considered, and the nature of the financial advice provided. --- ### Premium Advisory Service **Type of advice provided** - Financial advice based on both our assessment of the securities involved, as well as our assessment as to their suitability for you as an investor. We undertake ongoing monitoring of your portfolio and provide you with advice accordingly. - Access to Forsyth Barr and third party research reports. **Products covered by advice** - Shares, fixed interest investments, and managed funds where we have access to information that provides us with a reasonable basis for giving advice. Our advice under this service is not limited to financial products issued by particular issuers or product providers. - Forsyth Barr and third party research reports cover selected listed securities. --- ### Private Portfolio Management **Type of advice provided** - This service is a discretionary investment management service in which we manage a portfolio of investments for you. The advice we provide you is about entering into the Forsyth Barr Private Portfolio Management service and the parameters of the investment mandate within that service. - Access to Forsyth Barr and third party research reports. **Products covered by advice** - We only provide advice on and in relation to the Forsyth Barr Private Portfolio Management service, which is provided by Forsyth Barr Investment Management Limited. - Forsyth Barr and third party research reports cover selected listed securities. --- ### Navigator Service **Type of advice provided** - This service is a discretionary investment management service in which we manage a portfolio of managed funds for you. The advice we provide you is about entering into the Forsyth Barr Navigator Service and the parameters of the investment mandate within that service. - Access to Forsyth Barr and third party research reports. **Products covered by advice** - We only provide advice on and in relation to the Forsyth Barr Navigator Service, which is provided by Forsyth Barr Investment Management Limited. - Forsyth Barr and third party research reports cover selected listed securities. --- ### KiwiSaver Advisory Service **Type of advice provided** - Choice of non-personalised or personalised advice about your KiwiSaver investment in either the Summer KiwiSaver Scheme or the Westpac KiwiSaver Scheme. - Access to Forsyth Barr and third party research reports. **Products covered by advice** - Funds within either the Summer KiwiSaver Scheme or the Westpac KiwiSaver Scheme only. - The Summer KiwiSaver Scheme is provided by Forsyth Barr Investment Management Limited. For information about the Summer KiwiSaver Scheme, including the Product Disclosure Statement, visit [www.summer.co.nz](https://www.summer.co.nz). - The Westpac KiwiSaver Scheme is provided by BT Funds Management (NZ) Limited. For information about the Westpac KiwiSaver Scheme, including the Product Disclosure Statement, visit [www.westpac.co.nz/kiwisaver-investments/kiwisaver/investing-with-kiwisaver/](https://www.westpac.co.nz/kiwisaver-investments/kiwisaver/investing-with-kiwisaver/). - Forsyth Barr and third party research reports cover selected listed securities. --- ### Investment Advisory Service **Type of advice provided** - Financial advice based on our assessment of the financial product(s) identified by you and the investment risk profile you select. - This is a **limited advice service**. We do not undertake any assessment of your risk profile, and we do not take into account your financial situation or goals. We do not monitor your investments. - Access to Forsyth Barr and third party research reports. **Products covered by advice** - Shares, fixed interest investments, and managed funds where we have access to information that provides us with a reasonable basis for giving advice. Our advice under this service is not limited to financial products issued by particular issuers or product providers. - Forsyth Barr and third party research reports cover selected listed securities. --- ### Investment Transaction Service **Type of advice provided** - Access to Forsyth Barr and third party research reports. **Products covered by advice** - Forsyth Barr and third party research reports cover selected listed securities. --- ### Summer KiwiSaver Investment Profile Tool **Type of advice provided** - Limited non-personalised digital advice about fund selection within the Summer KiwiSaver Scheme based on your answers to a small number of questions. **Products covered by advice** - Funds within the Summer KiwiSaver Scheme only. - The Summer KiwiSaver Scheme is provided by Forsyth Barr Investment Management Limited. For more information about the Summer KiwiSaver Scheme, including the Product Disclosure Statement, visit [www.summer.co.nz](https://www.summer.co.nz). --- ## Fees, Incentives, and Conflicts of Interest in Relation to Financial Advice When you seek financial advice, in addition to considering the fees you pay for the advice and the fees and charges that apply when you act on the advice, you may also want to consider: - any other payments or other benefits your financial adviser or financial advice provider, or another person connected with them, may receive in connection with giving you advice or you acting on their advice, - whether any fees, charges, payments or other benefits are likely to materially influence the advice you get, and - whether your financial adviser or financial advice provider, or another person connected with them, has any other interests likely to materially influence the advice you get. We charge portfolio fees for some of our investment services and you will usually have to pay fees, expenses, or other amounts in relation to acting on any advice from us (such as brokerage and trade fees, and fund management and other investment management and administration services fees). In addition, in some cases, we receive payments from third parties when you act on advice from us. Generally, the bigger a portfolio or a transaction, and the more transactions done through us and the more services we provide you, the more revenue we receive. Also, many of our Investment Advisers receive remuneration from Forsyth Barr based in part on the portfolio fees, brokerage and other revenues we receive on the accounts they manage. These various payments create potential conflicts of interest and, as such, have the potential to influence advice provided if advice processes are not properly managed. Forsyth Barr and our Investment Advisers follow processes, and we have oversight and controls, designed to ensure that the financial advice you receive from us is not influenced by fees, charges, payments, other benefits or other interests. --- ## Steps Taken to Manage Conflicts of Interest Forsyth Barr has a number of policies and procedures in place to ensure that any conflicts of interest are identified and managed and that our investors' interests are always put first. These are: - disclosing the existence of conflicts of interest to investors, including in the disclosure above, - the Forsyth Barr Code of Conduct, which applies to all Forsyth Barr employees. The Code provides that employees must never permit their personal interests to conflict with or to appear to conflict with, the interests of investors or Forsyth Barr. All employees must make all reasonable efforts to avoid conflicts of interest and ensure that clients are fairly treated, - compliance by our Investment Advisers with the Code of Professional Conduct for Financial Advice Services and NZX Participant Rules, - internal monitoring by our Compliance team to ensure that our directors and employees comply with our duties to clients and all other relevant laws and rules, and - regular reporting on compliance-related issues to our board. --- ## Our Complaints Process Your satisfaction is important to us. Visit the [Forsyth Barr complaints information page](https://www.forsythbarr.co.nz/home/about/complaints-process/) for details on how to raise a complaint. --- ## Helpful Links and Documents ### Compare Your Options - [A side-by-side view of advice and discretionary services, and what's included](https://www.forsythbarr.co.nz/investing/investment-services/comparison-of-services/) ### Discretionary Portfolio Services (DIMS) - [Fully Managed Portfolio — day-to-day portfolio management within an agreed mandate (Private Portfolio Management)](https://www.forsythbarr.co.nz/investing/investment-services/fully-managed-portfolio/) - [Tailored Fund Portfolio — a discretionary portfolio service (Navigator) managed within an agreed mandate (often using managed funds)](https://www.forsythbarr.co.nz/investing/investment-services/tailored-fund-portfolio/) ### Official Documents and Disclosures - [Forms and documents — service disclosure statements, scope information, and other key documents](https://www.forsythbarr.co.nz/forms-and-documents/) ### Client Access - [Client login — access your portfolio, reporting, and client resources](https://secure.forsythbarr.co.nz/login) --- ## PDF Version To print this information, download the [PDF file](https://www.forsythbarr.co.nz/assets/Forms-and-Documents/Choosing-an-Advice-Service.pdf). --- *Note: This page references linked sub-documents including individual service disclosure statements, Scope of Service documents, and the complaints process page available at [https://www.forsythbarr.co.nz/forms-and-documents/](https://www.forsythbarr.co.nz/forms-and-documents/) and [https://www.forsythbarr.co.nz/home/about/complaints-process/](https://www.forsythbarr.co.nz/home/about/complaints-process/). Those documents may contain additional disclosure content not reproduced here.* --- ## https://financeadvisers.co.nz/api/provider/FSP25101/disclosure.md > _Markdown transcription of Bank Of New Zealand's Public Disclosure Statement, version 2026-05-23. Source: https://www.bnz.co.nz/assets/personal-banking/insurance/pdfs/BNZ-FAP-Disclosure-Statement.pdf._ --- # Financial Advice Provider Disclosure Statement ## BNZ is a registered bank BNZ carries on business as a bank. Accordingly, we are registered as a bank by the Reserve Bank of New Zealand under the Banking (Prudential Supervision) Act 1989. We are part of the National Australia Bank Group (NAB), an international financial services organisation offering a large range of financial products and services. ## Nature and scope of advice The financial advice services we are able to provide include: - investment planning services; - financial advice on financial advice products; - switching funds within a managed investment scheme, including KiwiSaver. Generally, the financial advice products we are able to provide financial advice on include: - The BNZ Investment Services Ltd managed BNZ KiwiSaver Scheme or other managed investment schemes; - BNZ bank deposits, loans, overdrafts, credit cards, and other consumer credit contracts; - BNZ Forward Exchange Contracts (FECs). In certain cases, as noted above, we give advice in relation to products from particular product providers only. That means we do not, in our advice, consider products from other product providers. ## Conditions of our FAP licence Under the FAP licence, we may provide financial advice services to you either through a NR or a FA under certain conditions specified by the FMA including. ### General conditions 1. We can only provide financial advice services on specific financial advice products listed below in the section 'Nature and scope of advice'. 2. We may nominate employees with appropriate skills as our nominated representatives who are able to give advice on our behalf. ### Standard conditions 1. We must maintain adequate records in relation to financial advice given. 2. We must have an internal process for resolving customer complaints relating to our financial advice service. ## Fees and other charges We do not charge our customers for financial advice services, except for customers investing in the Private Bank Advisory Service. There is an ongoing monthly portfolio fee payable in arrears on a Private Bank customer's portfolio account that entitles the customer to a range of services – including financial advice services. ## Commissions and benefits Our Home Loan Partners and Small Business Partners may receive a discretionary incentive if customers take up new home lending products or new customers with business transactional accounts are onboarded. We will also benefit from fees payable to us for distributing products managed and issued by BNZ Investment Services Limited. While we don't provide financial advice services on insurance products, we may receive a commission and/or benefit from insurers whose policies our customers are referred to and/or choose to take up. ## Conflicts of interest Under our Conflict of Interest policy, we are required to declare any conflicts that may exist, to describe how we manage those conflicts, and to ensure they don't impact on our service. Our banking advisers must follow certain guidelines when providing financial advice services to customers to ensure they prioritise customers' interests ahead of their own. These are some of the steps we take to manage potential conflicts of interest. ## BNZ duties We, and advisers providing advice on our behalf, are bound by law to: - have enough competence, knowledge, and skill to advise you; - act in your interests based on the agreed nature and scope of our advice to you; - exercise care, diligence, and skill when advising you; - meet the standards of ethical behaviour, conduct, and client care set out in the financial advice code of conduct. ## Resolving a complaint or problem Our goal is to provide you with the highest levels of quality service and support at all times. But if you do have a complaint or encounter a problem, please let us know as soon as you can. Your feedback helps us continue to improve the products and services we offer. We are committed to sorting things out as quickly and as fairly as possible, and we assure you that we will do our best to address your complaint quickly and sincerely. Full details of our complaints procedure are available at all BNZ branches and Partners Centres or online at bnz.co.nz We have a well-established and highly effective escalation process, meaning we will work with you to address your concern as quickly as possible, while still providing you options to take the matter further if you are unhappy with the outcome. First up, if you have a concern, please visit your local BNZ branch or Partners Centre, call us on 0800 275 269, or send us your feedback through the Customer Feedback Form online. If the problem is not solved there to your satisfaction, you may contact our BNZ Customer Resolution Team on 0800 788 999 (from overseas +64 9 976 6345), or fill in the Customer Feedback Form available online, or in our branches or Partners Centres. A member of the BNZ Customer Resolution Team will then work with you to resolve the matter. ## Independent dispute resolution service We are a member of the Banking Ombudsman Scheme. If you are not satisfied with the resolution suggested by our BNZ Customer Resolution Team, you can request a free, independent review from the Banking Ombudsman. You can find out more about the Banking Ombudsman by picking up a copy of the Banking Ombudsman brochure at any of our branches or Partners Centres. Visit bankomb.org.nz for more information or to make a complaint. The Banking Ombudsman can consider most (but not all) complaints. You can also contact the Banking Ombudsman at: | Contact Method | Details | |---|---| | Email | help@bankomb.org.nz | | Telephone | 0800 805 950 or from overseas +64 4 915 0400 | | Facebook | www.facebook.com/bankombnz | | Address | Freepost 218002PO Box 25327Wellington 6140 | ## How to contact BNZ Your first point of contact should be your branch or Partners Centre. Other contact options are: | Contact Method | Details | |---|---| | Email | Complete the email form online at bnz.co.nz/contact/email | | Head Office | Level 480 Queen StreetAuckland 1010New Zealand | | Telephone | 0800 275 269 or from overseas +64 4 931 8209 | --- ## https://financeadvisers.co.nz/api/provider/FSP26104/disclosure.md > _Markdown transcription of Cambridge Partners Limited's Public Disclosure Statement, version 2026-05-24. Source: https://cambridgepartners.co.nz/investment-disclosure/._ --- # Cambridge Partners Disclosure Statement *This information is provided to meet Cambridge Partners Limited's public disclosure obligations as a Financial Advice Provider under the Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendment Regulations 2020.* --- ## What Sets Us Apart? Cambridge Partners is an independent investment fiduciary, financial advisory, and wealth management practice based in Christchurch, servicing clients throughout the country. Our team of experienced advisers builds and manages customised investment portfolios for clients and further supports them through expert financial planning and other specialist services. We are both a goals-based and values-based organisation. Our advisers seek to understand what is truly important to each of our clients and provide personalised financial advice and best-fit investment strategies to ensure their success and that of their families. Our aim is always to develop trusted, long-term partnerships. We support and empower clients through new aspirations, changing circumstances, and life transitions. --- ## Before We Get Started As professional advisers, there is important information you need to know before we can provide you with the information on the advice we offer. --- ## Licensee Information Cambridge Partners Limited (FSP26104) is a Financial Advice Provider holding a license issued by the Financial Markets Authority (FMA) to provide financial advice. Cambridge Partners holds a Discretionary Investment Management Service (DIMS) license. ### Office Contact Details **Address:** Level 5, 62 Worcester Street, Christchurch 8013 **Phone:** (03) 364 9119 **Website:** [www.cambridgepartners.co.nz](http://www.cambridgepartners.co.nz) **Email:** [info@cambridgepartners.co.nz](mailto:info@cambridgepartners.co.nz) --- ## Nature and Scope of Engagement We can provide advice on the following areas: - Investment Advice and Planning (including strategic asset allocation, investment recommendations, and cash management) - Retirement Planning and KiwiSaver - Class Discretionary Investment Management Services (DIMS) - Investment Advice and Planning for US Citizens - Investment Advice and Planning for expats and migrants We are not tied to any product provider, and the specific details of providers we recommend will be detailed in our advice documentation. --- ## How We Operate To ensure that our financial advisers prioritise clients' interests above their own, we follow an advice process that ensures our recommendations are made based on the client's goals and circumstances. --- ## Conduct Cambridge Partners and anyone who gives financial advice on our behalf have duties under the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services regarding how we give advice. **We are required to:** - give priority to your interests by taking all reasonable steps to make sure our interests do not materially influence our advice - 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 ensure we treat you as we should and give you suitable advice) --- ## Fees or Expenses We do not charge for an initial meeting where we get to know you. Any fee charged to you subsequently will depend on the nature and scope of the advice or service we provide. We will discuss and agree on the actual fees with you before we proceed and explain how they are payable. The following section outlines the types of fees that may apply: - The fees charged for our initial advice and ongoing services may be based on a combination of a set dollar amount or a percentage-based fee. - Typically, the cost of the initial plan will range between $1,000 and $5,000 (plus GST). For complex planning work such as advice to US Citizens, the cost of the initial plan may range between $2,000 and $5,000 (plus GST). Actual billing rates will vary depending on the type and nature of the work involved. A quotation will be provided to you for approval before the services are provided. The quotation will specify the payment terms. - If you decide to engage Cambridge Partners on an ongoing basis to manage investments on your behalf after receiving our initial planning advice, we will charge a monthly fee for providing this service. This fee will be disclosed in writing and calculated based on the percentage of the funds under management (FUM) on a sliding scale. Fees will include the cost of a portfolio administration system run by the Custodian. - Depending on the investments selected, there may also be investment management fees (charged by the fund manager). Brokerage and transaction fees are incurred when purchasing and selling securities and are based on the value of the transaction. Brokerage fees vary depending on the security being traded and the exchange on which they are traded. This information will be detailed when the advice is provided. > **Note:** The Advice and Plan Fee and Adviser Fees are subject to GST, whereas the Custodial Administration Fees are not subject to GST. > > \* These fees will be calculated daily and deducted from the investment portfolio monthly. > > \*\* For clients with investments of less than $320,000, we charge a flat-rate annual fee of $3,500 (plus GST). This approach allows us to provide consistent, high-quality service regardless of investment size. *(A fee schedule image is displayed on the web page. The PDF download below contains the full fee table.)* --- ## KiwiSaver We offer KiwiSaver Advised Solution options with an Adviser Fee range of **0.45% to 0.84% p.a. (incl. GST)** plus underlying KiwiSaver provider and/or underlying investment fees. All fees will be confirmed, along with an indication of the cost, when the advice is provided. --- ## Commission Commission, brokerage, or other forms of payment payable to us from making investment recommendations are fully rebated to clients. --- ## Conflicts of Interest and Incentives We take any perceived or real conflicts of interest very seriously and have a Conflicts of Interest Policy for dealing with such issues whereby we avoid, disclose, and/or manage conflicts to ensure at all times, we place our client's interests above our own. All of our advisers undertake annual training regarding recognising and managing conflicts of interest. Our advisers are all remunerated by salary and a discretionary bonus. The discretionary bonus is based on a number of metrics set at the start of each financial year, including achieving client service levels, compliance obligations and new business. Cambridge Partners receives all adviser and planning fees disclosed. Cambridge Partners regularly reviews existing and potential conflicts to ensure they do not impact our independence or advice. Some of our advisers are shareholders in Cambridge Partners and may receive dividends as and when declared. Your adviser will confirm if this applies to their situation. At the date of this document, there are no conflicts of interest that would or could reasonably be expected to materially influence our recommendations for financial products to acquire or dispose of. --- ## Privacy / Data Collection To give our clients the very best advice, we need to collect personal information about their financial circumstances. We take our responsibilities under the Privacy Act 2020 very seriously in the digital age that we live in. Details of our Privacy Policy can be found here: [cambridgepartners.co.nz/privacy-policy/](https://cambridgepartners.co.nz/privacy-policy/) --- ## Complaints Handling and Dispute Resolution If you have a problem, concern, or complaint about any part of our advice or service, please contact your adviser in the first instance. Alternatively, you can put your complaint in writing to our Compliance Manager. An initial acknowledgement of receipt will be provided within 24 hours, unless outside of working hours. The Compliance Manager will then formally acknowledge the complaint within five working days, and then in good faith, try to resolve the matter as per our internal complaints process. **Contact:** Compliance Manager Cambridge Partners Ltd PO Box 1378 Christchurch 8140 **Phone:** (03) 364 9119 **Email:** [complaints@cambridgepartners.co.nz](mailto:complaints@cambridgepartners.co.nz) If the complaint is not resolved to your satisfaction, using our internal process, you can access a free and independent resolution company, Financial Disputes Resolution Service, which will help with investigating or resolving your complaint. **Dispute Resolution Scheme:** Financial Disputes Resolution Service Freepost 231075 PO Box 2272 Wellington 6140 **Phone:** 0508 337 337 **Email:** [enquiries@fdrs.org.nz](mailto:enquiries@fdrs.org.nz) --- ## Finally We welcome any questions or queries you have regarding this information, but more importantly, we look forward to working with you. --- **Version 11 – 31 March 2026** --- *Sub-documents referenced on this page:* - [Cambridge Partners Disclosure Statement (PDF) – 31 March 2026](https://cambridgepartners.co.nz/wp-content/uploads/2026/04/Cambridge-Partners-Disclosure-Statement-31-March-2026.pdf) - [Privacy Policy](https://cambridgepartners.co.nz/privacy-policy/) - [Complaints Handling Policy](https://cambridgepartners.co.nz/complaints-handling/) --- ## https://financeadvisers.co.nz/api/provider/FSP26201/disclosure.md > _Markdown transcription of Albany Insurance Services Limited's Public Disclosure Statement, version 2026-05-18. Source: https://cdn.prod.website-files.com/5d22d6ef396cc08518dcf5a1/604fc5affb7131bc8af4d1b6_AIS%20-%20Disclosure%20Statement.pdf._ --- # ALBANY INSURANCE SERVICES LIMITED DISCLOSURE STATEMENT ## Details: - **Name of financial adviser Provider:** Albany Insurance Services Limited (referred to as AIS) - **Trading names:** Albany Insurance Services Ltd - **Telephone Number:** 09 415 8211 - **Address:** 222 Dairy Flat Highway, Albany Village, Auckland - **Email address:** jeremy@albanyins.co.nz - **Website:** www.albanyins.co.nz ## It is important that you read this information It will help you (the client) make an informed decision whether we (AIS) and our adviser's financial advice and products are suitable for your needs and whether to seek, follow or accept the financial advice. This Disclosure Statement is required under the Financial Markets Conduct (Regulated financial advice Disclosure) Amendment Regulations 2020. ## What sort of advisers are we? We are a licensed Financial Adviser Provider by the Financial Market Authority of New Zealand (FMA) https://www.fma.govt.nz/. Financial Services Legislation Amendment Act 2019 requires AIS 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 FSP26201. As a Licensed Financial Adviser Provider, we have Standard Conditions on our license, these conditions are not specific to AIS and does not limit or restrict Advice that may be given. ## What financial advice can we provide to you? AIS and our advisers give financial advice on Insurance Products for Commercial and Domestic clients. Our Insurance product providers are Insurance business in New Zealand that are licensed under 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 on the link https://www.rbnz.govt.nz/regulation-and-supervision/insurers/licensing/register. AIS Insurance product providers are required to have financial strength ratings with a minimum of A- 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 AIS 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. ## What fees do we charge? We may charge clients fees 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 you choose to accept and purchase. The total fees payable may increase with the number of insurance policies that you choose to purchase. The fees are payable by you and are due by the effective date of the policy which is on the invoice. ## How do we act with Integrity? To ensure that we prioritise your interests above our own, we follow an advice process that ensures recommendations are made on the basis of your individual goals and circumstances. We complete annual and ongoing training about how to manage conflict of interests and a register of interests is maintained. AIS monitors these registers and provides additional training where necessary. AIS performs an annual review of the compliance programme. You should be aware 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, 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? AIS receives commission when the client accepts our financial advice and purchases an insurance policy. The commission is paid by the Insurer (product provider's) for the insurance business on each insurance policy that the Client purchases. The commission that is paid to us can be between the range of 0-30% of the insurer portion (total premium of the Insurance Policy less government levies and taxes). ### NZbrokers Management Limited AIS 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 AIS. When a client accepts our financial advice as your adviser and purchases a policy NZbrokers may 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 other reliability events that would influence you the client in deciding whether to seek or obtain advice from us or our adviser's. ## How to make a Complaint If you have a problem, concerns or you are dissatisfied with either a product or financial advice Service that has 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.albanyins.co.nz which will give details on our Complaints Process and how to make a Complaint. If a complaint is received by us, 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 every attempt will be made to resolve your complaint in a timely manner, with staff escalating as necessary to Senior Management or 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 AIS complaints process, or you are dissatisfied with the response or resolution, you can contact Insurance & Financial Services Ombudsman Scheme. IFSO 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 IFSO https://www.ifso.nz/make-a-compaint You can contact IFSO at: - **Postal Address:** PO Box 10-845, Wellington, 6143 - **Phone:** 04 499 7612 or Freephone 0800 888 202 - **Email:** Contact via website www.ifso.nz ## What are our advisers duties? Our advisers give financial advice to clients on AIS behalf. When giving advice all 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 and have Ethical behaviour, good conduct and provide client Care. https://www.mbie.govt.nz/assets/a96d1b4800/code-of-professional-conduct-for-financial-advice-services.pdf - Listen carefully to your needs. - Recommend products or services that meet those needs and explain why. - Give clear and concise communication. - Protect information. - Give priority to your 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 at: https://www.fma.govt.nz/contact/ or email questions@fma.govt.nz but if you want to complain you should 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:** 15/03/2021 --- ## https://financeadvisers.co.nz/api/provider/FSP26221/disclosure.md > _Markdown transcription of Insurance Advisernet New Zealand Limited's Public Disclosure Statement, version 2026-05-23. Source: https://insuranceadvisernet.co.nz/sites/default/files/2021-02/IANZ%20Disclosure%20Document_10022021.pdf._ --- # DISCLOSURE INFORMATION The following information provides you with an important overview of Insurance Advisernet, our duties to you, fees and how we manage complaints. ## License Status and Conditions Insurance Advisernet New Zealand Limited (IANZ), FSP26221, trading as IANZ & Insurance Advisernet, holds a financial advice providers licence issued by the Financial Markets Authority. ## Nature and Scope of Advice IANZ represents a network of financial advice providers, some which are authorised by IANZ's licence to provide financial advice services and some which hold their own financial advice provider licence. IANZ's Members provide financial advice in relation to domestic general insurance, such as house, contents, landlords, motor vehicle and boat insurance, as well as commercial general insurance, such as commercial property, business interruption, commercial motor, marine, liability, professional indemnity and cyber insurance. When providing our advice, we access a wide range of general insurance products from various general insurance providers in both the local and overseas market. ## Fees, Expenses or other amounts payable IANZ's members may charge you a fee, and charges, for providing financial advice, and for arranging, altering or cancelling your general insurance program. IANZ may also charge an administration fee for processing insurance premiums. If a fee will be charged, you will be advised at the time the financial advice is provided. In some circumstances we may recommend another service provider to assist us in providing appropriate financial advice. These providers can include property valuers, property surveyors and motor vehicle valuations. These providers will charge a fee for the work they do. We will advise you of any related fees and charges prior to having them commence any work on your behalf. ## Conflicts of interest and commissions or other incentives As a broking network, IANZ has spent many years forging relationships with local and international insurance providers. The benefits of these relationships are seen every day by giving its members and their clients outstanding choice, competitive pricing and coverage options and policy support services. IANZ may receive remuneration in recognition of providing administrative services from certain insurers. In addition, IANZ may charge an administrative fee for arranging insurance for its member's clients. As IANZ does not advise any clients directly these arrangements do not impact on the recommendations made by IANZ's members to their clients. IANZ members may be paid a commission from the general insurance product provider, when arranging insurance with them on your behalf. The amount of commission received varies as it is calculated as a percentage of the insurance premium charged. IANZ, its Members and Financial Advisers may also receive indirect benefits such as business lunches, tickets to sporting and/or cultural events, corporate promotional merchandise and other unquantifiable minor benefits. We recognise that the above commissions and incentives may create conflicts of interests for IANZ's members and your financial adviser. To manage these conflicts, our financial advisers follow an advice process that ensures our recommendations are made on the basis of your financial goals and circumstances. All our financial advisers undergo training about how to manage conflicts of interest. We undertake compliance audits of our financial advisers, and annually audit our conflict of interest compliance framework. We may, however, choose to rebate all or some commissions and charge you a fee based on the nature of the service we provide. ## Complaints & Disputes Process If you are not fully satisfied with the services provided by a member of IANZ, please contact your financial adviser or financial advice provider directly. If your financial advice provider holds its own licence, they will deal with your complaint through their own internal complaints process. If your finance advice provider operates under IANZ's licence, they may refer your complaint to IANZ if a satisfactory resolution is not able to be achieved. IANZ's complaints officer will formally acknowledge your complaint in writing and will endeavour to resolve your complaint fairly and in a timely manner. Please click here for more details on IANZ's complaints handling process. ## Duties We believe in delivering the most appropriate advice, built upon our four core business pillars, Trust, Advice, Choice and Value. We are bound by duties under the Financial Markets Conduct Act 2013 (Act) and we are required to: - Meet certain standards of competence, knowledge and skill, as set by the Code of Professional Conduct for Financial Advice Services (Code of Conduct). These have been designed to ensure that we have the relevant expertise to provide you with advice. - Take reasonable steps to ensure that you understand the nature and scope of the advice we give you and let you know if there are any limitations on the advice we provide. This will help you ensure that the advice provided meets your goals and objectives. - Give priority to your interest, by taking all reasonable steps to make sure our advice isn't materially influenced by our own interests. - Exercise a prudent level of care, diligence and skill. - Meet certain standards of ethical behaviour, conduct and client care as required by the Code of Conduct. These are designed to ensure that we treat you as we should and give you suitable advice. - Not offer or recommend a financial product that contravenes the Act or related regulations. This gives you peace of mind that the products we recommend are compliant with relevant laws. - Make certain disclosure information available to you, at certain times, for example when advice is provided. We must not provide false, misleading or incomplete information. You can access the Code of Professional Conduct for Financial Advice Services here. ## Contact Details Insurance Advisernet New Zealand Limited FSP26221 holds a financial advice provider licence issued by the Financial Markets Authority. You can contact us at: **Phone:** 0800 524 760 **Email:** compliance@ianz.co.nz **Address:** Level 1, 235 Parnell Road, Parnell, Auckland, New Zealand 1052 --- ## https://financeadvisers.co.nz/api/provider/FSP26381/disclosure.md > _Markdown transcription of Polson Higgs Wealth Management Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.phwealth.co.nz/disclosures-policies/service-disclosure-statement/._ --- # Service Disclosure Statement and Investment Proposal **Discretionary Investment Management Service** **FSP 26381** --- ## Service Disclosure Statement *1 May 2026* --- ### 1. What is this? This is a discretionary investment management service (DIMS) provided by Polson Higgs Wealth Management Limited, trading as phwealth ("us", "we", "our"). Under a DIMS, the provider invests your money on your behalf in financial products - such as managed funds invested in New Zealand and international shares, cash, and fixed interest investments - and charges fees for this service. You will hold the financial products through a custodian. The types of investments that phwealth can invest your money in, and the costs, are described in the Investment Proposal section of this document from page 9. You will be relying on the investment decisions that phwealth make. The value of the investments made for you may go up or down. The provider of the DIMS is phwealth. --- ### 2. Who provides this service? phwealth was founded in 2001 and was acquired by Craigs Investment Partners Limited ("Craigs") in May 2026. Craigs is a New Zealand–based private wealth management and investment advisory firm providing portfolio management, financial planning, custody and brokerage services to retail and institutional clients, underpinned by an advice-led, client-focused model. Headquartered in Tauranga, the firm operates a nationwide network with offices across major centres including Auckland, Wellington, Christchurch and Dunedin, alongside regional branches. Its core activities span equities and fixed income brokerage, managed portfolio services, KiwiSaver and superannuation solutions, and in-house research–driven investment advice. phwealth has six Financial Advisers and two support staff across two offices. phwealth's staff operate under different employment arrangements. Some financial advisers are employed by Craigs and are seconded to phwealth to provide advice on behalf of phwealth and other financial advisers are employed by phwealth. **Advisers:** Left to right: Rhodes Donald, Co-CEO & Financial Adviser (Dunedin); Shiree Hembrow, Financial Adviser (Christchurch); Jared Campbell, Financial Adviser (Dunedin); Lisa Parata, Financial Adviser (Dunedin); Chris Asquith, Financial Adviser (Dunedin); Nicole Perry-Ellison, Associate Adviser (Dunedin); Paul Wilson, Financial Adviser (Dunedin); Lauren Burrows (Administration Manager) **Dunedin (Head Office)** 139 Moray Place, Dunedin 9016 **Christchurch** 12/75 Peterborough Street, Christchurch 8013 The directors of phwealth are: Simon Tong (CEO, Craigs Investment Partners Limited) and Andrew Player (CFO, Craigs Investment Partners Limited). #### Who else is involved? | Role | Entity | Description | |---|---|---| | Administrator | FNZ Limited | FNZ provides administration services for the Consilium platform used by the phwealth DIMS, meaning it holds, administers and reports on the investment portfolios managed on your behalf. FNZ has over $15 billion in funds under administration in New Zealand and over $640 billion globally. FNZ is one of New Zealand's largest investment administrators. | | Custodian | FNZ Custodians Limited | Investments are held in the name of FNZ Custodians Limited on your behalf. | | Investment Consultant | Consilium NZ Limited | Consilium provides investment research and business support services to financial advisers, trustees and institutions throughout New Zealand. | Neither phwealth, FNZ, Consilium nor any other person or entity named in this Service Disclosure Statement guarantee the financial products available through the DIMS. --- ### 3. How the phwealth DIMS works #### Features of this service The phwealth DIMS offers you access to investment portfolios that suit a range of investors' needs and objectives. Under the service, you give phwealth the authority to make decisions as to which financial products to acquire or dispose of on your behalf, based on an agreed investment strategy. To effectively manage your assets through their DIMS, phwealth must gain an understanding of your goals and objectives. We will spend time with you to understand what is important to you, and then design a specific set of investment recommendations aimed at achieving your goals. A key concern for phwealth is to ensure that the portfolio constructed and maintained is suitable for you. Your financial situation, financial needs, financial goals, willingness to accept risk, and other requirements are all taken into account before a portfolio recommendation is made. This advice process involves a series of meetings, after which your Investment Authority can be confirmed, and your investment portfolio established. From time to time we will check with you to ensure that we have an up to date understanding of your situation when considering the suitability of your portfolio. However, it is important that you let us know if anything changes, or if you have not told us about anything that might be relevant to the choice of portfolio. Our ability to match you with a portfolio to meet your requirements is only as good as the information you provide us with. When deciding which investments to include in your portfolio, phwealth uses the research undertaken for us by Consilium. #### Investment Portfolio Structure phwealth offers a suite of model investment portfolios. These portfolios have a range of growth and income investments in different combinations, and are designed to meet different investors' needs, risk profiles, investment terms and objectives. phwealth's portfolios are named on the basis of the split between growth investments (like shares and listed property) and defensive investments (like bonds and cash). Growth investments are generally considered more volatile and produce capital growth over time, whereas defensive investments are considered more stable, although they do go up and down in value with changing interest rates. The 70/30 portfolio has a mix of 70% growth and 30% defensive investments. It is focused on investments that produce capital growth as opposed to stable investments, whereas the 90/10 portfolio has a mix of 90% growth and 10% defensive investments. This portfolio is almost exclusively focused on capital growth and its value will be volatile. The 50/50 portfolio has a balanced mix of both growth and defensive investments. The model portfolios on offer as part of the phwealth DIMS are: - 30/70, 40/60, 50/50, 60/40, 70/30, 80/20, 90/10, 98/2 (Classic and Socially Responsible Investment variants) *\* The International portfolio is designed to exclude New Zealand investments for those clients who hold New Zealand investments outside of the portfolio we manage.* A key concern for us is to ensure that the portfolio we construct and maintain is suitable for you. When we recommend a portfolio for you, we will take into account all you have told us about your financial situation, financial needs (including your required distributions), financial goals, tolerance for risk and other requirements. phwealth may, where it is appropriate, adapt a model portfolio to your individual situation. #### Term Deposits phwealth also offers a wholesale Term Deposit facility. These wholesale Term Deposits are available to clients who have a diversified investment portfolio (as above) with phwealth. Term Deposits are placed, via the custodian, with banks with a Standard and Poor's credit rating of A– or better for terms of 12 months or longer. #### Withdrawals You can make one off withdrawals any time from your portfolio to your nominated bank account. Simply communicate your requirements to us, either in writing or over the phone. We will always verify any instructions received by email or letter with a phone call to you. You can also make regular withdrawals – say, monthly, quarterly, or annually – from your portfolio. Depending on the size of your withdrawal we may have to sell some of your investments and if so it can take up to 10 business days for you to receive your money. #### Nominated Bank Account As part of the process for opening a portfolio account with us, you are required to provide details of a bank account into which all withdrawals will be made. This is both a security measure for you and an anti-money laundering requirement. This is referred to as your Nominated Bank Account. #### Reporting We provide a comprehensive reporting programme so you can keep track of what is happening with your portfolio. This currently includes: - Portfolio valuation reports and investment allocation statements - Portfolio performance summaries - Cash account and asset transaction summaries - Income statements - Fee schedule - Annual tax statements (to IRD prepared formats) Interim portfolio reports are also available at any time and can be accessed via the online portfolio portal by you at any time. #### Procedure for Handling Funds Investments held on your behalf are placed into the recommended investments through our Custodian. phwealth does not directly handle your funds, but rather, acts as your agent to instruct the Custodian to acquire, hold and redeem investments on your behalf, on the terms described in this document. In doing so, phwealth makes whatever decisions it considers necessary or desirable to adequately maintain the portfolio structure you have selected. These decisions include (but are not limited to) the following transactions: - Selling or purchasing individual investments - Changing the weighting of various investment classes (whilst retaining the overall mix of growth and income investments you have selected) - Making changes to the underlying investments, fund managers and/or funds within investment classes Any withdrawals made from your portfolio go to your nominated bank account only. The terms on which FNZ and FNZ Custodians Limited perform their roles are set out in an agreement between FNZ and Consilium NZ Limited (Consilium), to which phwealth has signed authority to enforce. That agreement also contains the terms on which Consilium can terminate the current custodial agreement. If Consilium terminates the current custodial agreement, Consilium in accord with phwealth would appoint a new custodian that we consider would meet its legal obligations, and the legal obligations of Consilium and phwealth, without interrupting the continuity of the phwealth DIMS. In this event, client portfolios would not be impacted. #### Your Cash Management Account Within your individual portfolio account at the custodian a separate cash account is established. All cash transactions relating to your portfolio flow through that cash management account. Funds will be credited to your cash management account when: - You make a deposit - The investments held in your portfolio pay cash distributions (dividends or interest) - Interest is credited on the balance of your cash management account - Investments held in your portfolio are redeemed or manager rebates are received Funds will be debited from your cash management account when: - You make a withdrawal - Fees and taxes are debited - Investments are purchased If necessary, phwealth will sell sufficient investments to top up your portfolio cash management account to meet the obligations payable from your cash management account as listed above. #### How to Grant and Terminate the Investment Authority To invest through the phwealth DIMS, you must sign our Client Agreement and Investment Authority. In doing so, you grant phwealth the authority to make all decisions in relation to the investment of your portfolio. The specific details of the authority you grant us are set out in the Investment Authority section of the Client Agreement. ##### Client Agreement The Client Agreement that you sign when investing through phwealth governs your involvement in the DIMS. The law requires that you enter into a client agreement at the same time as or before your Investment Authority is granted. On termination of your involvement in the phwealth DIMS the investments managed on your behalf will, at your discretion, either be transferred to another adviser and custodian of your choice, or sold and the cash paid into your nominated bank account. There is a risk on termination, where the full sale of investments has been selected by you, that market values are temporarily depressed and, all other things being equal, it would not be appropriate to sell the securities in that market. Some securities in your portfolio are not able to be advised on by unlicensed advisers, and there is the risk that these may have to be sold and reinvested by you elsewhere. To terminate the Investment Authority, you must provide written and signed confirmation to phwealth giving us not less than 60 days notice. The vast majority of your funds, however, would be available within the expected 10-day period. The Client Agreement contains more detail on the termination process. #### Your Rights and Powers Under This Service When you invest through phwealth you are accessing a range of model portfolios, each managed for the benefit of a number of investors. That means you: - Have the right to expect your portfolio to maintain the broad mix of growth to defensive investments that you chose in your Investment Authority. - Are unable to give instructions to exercise rights over the financial products managed as part of your portfolio, such as rights to vote at shareholder meetings. Instead, these rights will be exercised by phwealth (through the custodian) on your behalf. - Are unable to give instructions relating to the financial securities in your portfolio. - Do not have the right to be consulted on, or to countermand, the investment decisions phwealth makes in relation to your portfolio. You are always welcome to discuss the management or selection of your portfolio with us. --- ### 4. Risks of using this service Investing through this service has risks. Under this service, you give up some control over investment decisions and rely on phwealth's decisions. All investments have a degree of risk. The value of your financial products may go down as well as up. You may not achieve the returns you expect and may not receive all your investment back. When investing in any combination of bond, property and equity investments, investors are exposed to varying degrees of risk. For this reason, investment returns over any particular period cannot be guaranteed. For short or even extended periods, portfolio returns can be negative, so it is important that investors consider their risk tolerance, investment time frame and their understanding of investment markets before investing. ##### Regulatory Risk There is the risk that future regulatory or taxation changes may affect the value of the securities held. phwealth keeps up to date with the prevailing regulatory and taxation environment in New Zealand and will discuss with you if any changes occur. There is also the risk that the requirements for holding a DIMS licence may change, such that phwealth chooses to no longer offer their DIMS. If this situation were to arise, phwealth would still be able to manage your portfolio, although the way in which this was done would change. ##### Adviser Risk The Investment Authority gives phwealth control over the decisions required to maintain your investment strategy. This means we have the ability to buy, sell or change investments in ways that might not align with the trades you would choose to make at that point in time. With that in mind, however, it is important to note that any trades phwealth makes will be in line with your investment strategy. ##### Administrator Risk In the unlikely event that the administrator, FNZ Limited, was to become insolvent, your investments would not be affected as they are held by FNZ Custodians Limited, a bare trust. However the liquidity of your investments may be affected while the insolvency is being worked out. #### Other Risks The summary above is not intended to be comprehensive. Refer to section 4 in the Investment Proposal for more information. There may also be risks that are unknown at the date of this disclosure statement that may affect investments at a future point in time. If these risks eventuate, investor portfolios could be adversely affected. We will disclose to you any interest held by a phwealth representative or a related person who might influence the services that we provide to you. Where a conflict of interest that arises is such that we cannot place your interests ahead of our own interests, or the interests of any phwealth representative or related person, we may have to decline to act for you. --- ### 5. phwealth conflicts of interest Our clients' interests are our priority. We act as fiduciaries to all our clients. phwealth is a wholly owned subsidiary of Craigs Investment Partners Limited ("Craigs"), an investment advisory firm in New Zealand. Craigs' ultimate holding company Crown TopCo Limited is 50% owned by Crown UK TopCo Limited and 50% owned by current and former Craigs employees and directors via a shareholding in CIP Holdings No.2 Limited ("CIPH2"). Crown UK TopCo is owned by funds managed by TA Associates, a global private equity firm. Our financial advisers who are shareholders in CIPH2, will receive any distributions paid by CIPH2 in respect of revenue earned by Craigs and its related companies. Our financial advisers who are shareholders of CIPH2 could potentially receive benefit from clients who invest in products offered by phwealth. Any dividends paid by CIPH2 to our financial advisers who are shareholders of CIPH2 have no effect on the financial advice provided to you. Financial advisers supporting phwealth clients operate under different employment arrangements. Some financial advisers are employed by Craigs and are seconded to phwealth and receive a fixed salary and potentially discretionary financial benefits based on a range of factors. Other financial advisers are employed by phwealth and receive a fixed salary and may be eligible for a discretionary annual bonus based on a range of factors. We have business relationships with fund managers and providers of services we outsource to. From time to time, we take part in conferences and professional development training with these parties but always at our own expense other than occasional refreshments provided on the day. All our financial advisers undergo annual training about managing conflicts of interest. Our financial advisers and staff, and their families and friends also invest via the phwealth DIMS alongside our clients. To this extent we have an interest, but our rationale is based on the investment philosophy, not on any obvious or direct gain we might receive. At the date of this document there are no benefits that phwealth, or any associated person, might receive that would or could reasonably be expected to materially influence our recommendations to acquire or dispose of any financial products or investment securities associated with the phwealth DIMS. --- ### 6. Tax Taxes may affect your returns under this service. Your tax obligations will differ according to the nature of the investments and with your own circumstances. You are responsible for meeting any tax obligations that arise. You should seek professional advice on your tax obligations. Resident withholding tax, PIE tax or other taxes may be deducted by the custodian or an issuer from portfolio returns. Please note that all New Zealand investments apart from cash are held in PIE structures where investors are taxed at their PIE tax rate except for listed PIEs which are taxed only at 28%. All the international investments in the DIMS are held as Australian unit trusts or exchange-traded funds and there is very little withholding tax deducted from this sector of your portfolio. The income from your international investments will need to be returned in your annual tax return and you will usually have further tax to pay. You might as a result of investing in the phwealth DIMS be forced into the provisional tax regime if you are not a provisional taxpayer already. --- ### 7. How to complain Our Feedback and Complaints Handling Process is published on our website at: https://www.phwealth.co.nz/disclosures-policies/feedback-and-complaints-handling-process/ Complaints should initially be made to your adviser, and/or to: **The CEO, phwealth** 139 Moray Place, Dunedin 9016 Phone: 03 474 9709 Email: help@phwealth.co.nz If you are not satisfied with the internal complaints handling process outcome you can utilise phwealth's external disputes resolution scheme run by Insurance & Financial Services Ombudsman Scheme Inc. (IFSO). No fee will be charged to any complainant to investigate or resolve a complaint through IFSO. **IFSO** can be contacted at: PO Box 10845, Wellington 6143 Phone: 0800 888 202 Email: info@ifso.nz --- ### 8. Where you can find more information All the key information about phwealth and our DIMS service is contained or referred to in this Service Disclosure Statement and Investment Proposal, the Investment Authority and the Client Agreement. We are required by law to provide you with quarterly and annual reports, which will be made available to you through the Custodian's on-line platform (or by post should you not have access to the Internet). You may also request a copy of previous reports by contacting us. There is no charge for the provision of reports or for responding to requests for information about your investment portfolio. #### Custodial Reporting The independent custodian appointed by phwealth will regularly provide you with information about any money or property they hold on your behalf. This information will be sent by the Custodian directly to you. This will include records of the balance of financial securities held and any cash and asset transactions effected for you by the custodian in respect of money or property held on your behalf. This information will be made available six-monthly by the Custodian through their on-line portal. If you do not register for the online portal we will post the reports to you. You can request information by contacting your adviser or by emailing or writing to: **Administration** phwealth 139 Moray Place, Dunedin 9016 03 474 9709 help@phwealth.co.nz --- ### 9. How to enter into a client agreement To join the phwealth DIMS you must: 1. Sign the Client Agreement 2. Sign the Investment Authority 3. Satisfy Anti-Money Laundering requirements by providing proof of address, identification and your nominated bank account. --- ### 10. Contact Information All enquiries can be made by contacting your adviser or: **Administration** phwealth 139 Moray Place, Dunedin 9016 03 474 9709 help@phwealth.co.nz The **custodian** can be contacted at: FNZ Custodians Limited PO Box 396, Wellington 6140 04 803 9400 --- ## Investment Proposal *1 May 2026* --- ### 1. Investment strategy This Investment Proposal is provided separately to you by Polson Higgs Wealth Management Limited, trading as phwealth. In summary, by signing an Investment Authority (provided separately) you give phwealth absolute discretion to invest your money in any securities and in any proportions phwealth determines appropriate so long as it fits within the broad mix between growth and income securities as agreed with you. The Investment Authority may only be changed by written agreement between you and phwealth. phwealth offers investors a choice of model portfolios based on their preference for risk, expected return and their time horizon. There is also a suite of Socially Responsible Investment (SRI) portfolios for those wishing to invest ethically. The nine model portfolio options effective at 11 July 2022 are described below. Percentage allocations are rounded to the nearest whole number. | Portfolio | Description | |---|---| | **30/70** | Allocation – 30% growth/70% income. Suitable for investors with a very short time horizon (2 to 3 years) before spending large amounts of their portfolio, or for those seeking a very low level of portfolio growth with a very low level of volatility. | | **40/60** | Allocation – 40% growth/60% income. Suitable for investors with a short time horizon (3 to 4 years) before spending large amounts of their portfolio, or for those seeking low portfolio growth with a low degree of volatility. | | **50/50** | Allocation – 50% growth/50% income. Suitable for investors with a moderate time horizon (4 to 5 years) before spending large amounts of their portfolio, or for those seeking moderate portfolio growth with a moderate level of volatility. | | **60/40** | Allocation – 60% growth/40% income. Suitable for investors with a moderate to long time horizon (5 to 6 years) before spending large amounts of their portfolio, or for those seeking moderate portfolio growth with a moderate level of volatility. | | **70/30** | Allocation – 70% growth/30% income. Suitable for investors with a long time horizon (7 years +) before spending large amounts of their portfolio, or for those seeking above average portfolio growth with a correspondingly higher volatility. | | **80/20** | Allocation – 80% growth/20% income. Suitable for investors with a very long time horizon (10 years +) before spending large amounts of their portfolio, or for those seeking above average portfolio growth with a correspondingly higher volatility. | | **90/10** | Allocation – 90% growth/10% income. Suitable for investors with a very long time horizon (10 years +) before spending large amounts of their portfolio, or for those seeking high portfolio growth with a correspondingly higher volatility. | | **98/2** | Allocation – 98% growth/2% income. Suitable for investors with a very long time horizon (10 years +) before spending large amounts of their portfolio, or for those seeking very high portfolio growth with a correspondingly very high volatility. | Each portfolio is available in both **Classic Investment** and **Socially Responsible Investment (SRI)** variants. #### Classic Investment Portfolio Holdings | Asset | Country of Origin | Asset Type | 30/70 | 40/60 | 50/50 | 60/40 | 70/30 | 80/20 | 90/10 | 98/2 | |---|---|---|---|---|---|---|---|---|---|---| | Harbour NZ Index Shares Fund | New Zealand | Australasian equities | 7.5% | 9.5% | 11.5% | 13.5% | 15.0% | 15.0% | 15.0% | 15.0% | | Kernel NZ Small & Mid Cap Opportunities Fund | New Zealand | Australasian equities | — | — | — | — | — | 2.0% | 3.0% | 4.0% | | Dimensional Australian Core Equity Trust | Australia | Australasian equities | 2.5% | 3.5% | — | — | — | — | — | — | | Dimensional Australian Small Company Trust | Australia | Australasian equities | — | — | 2.0% | 2.0% | 2.5% | 3.0% | 3.5% | 4.0% | | Dimensional Australian Value Trust – Active ETF | Australia | Australasian equities | — | — | 2.5% | 3.5% | 4.0% | 4.5% | 5.0% | 5.5% | | Russell Investments Sustainable Hedged Global Shares Fund (NZD) (PIE) | New Zealand | International equities | 8.0% | 10.5% | 13.5% | 13.5% | 12.0% | 9.0% | 5.0% | — | | Russell Investments Sustainable Global Shares Fund | New Zealand | International equities | 2.0% | 2.0% | — | — | — | — | — | — | | Dimensional Global Core Equity Trust (NZD Hedged Class Units) | Australia | International equities | — | — | — | 2.5% | 7.5% | 13.0% | 20.0% | 28.0% | | Evidential Sustainable Targeted Factor Fund | New Zealand | International equities | 10.0% | 14.5% | 18.5% | 22.5% | 25.5% | 29.0% | 32.5% | 34.0% | | Dimensional Emerging Markets Value Trust | Australia | International equities | — | — | 2.0% | 2.5% | 3.5% | 4.5% | 6.0% | 7.5% | | Harbour NZ Corporate Bond Fund | New Zealand | NZ fixed interest | 16.5% | 13.5% | 11.0% | 8.0% | 5.0% | — | — | — | | Dimensional 5-Year Diversified Fixed Interest Fund PIE | Australia | International fixed interest | 19.5% | 16.5% | 14.0% | 11.0% | 8.5% | 5.0% | — | — | | Dimensional 2-Year Sustainability Fixed Interest Fund PIE | Australia | International fixed interest | 22.0% | 15.5% | 8.0% | 4.0% | — | — | — | — | | Evidential Sustainable Global Bond Fund (NZD) | New Zealand | International fixed interest | 10.0% | 12.5% | 15.0% | 15.0% | 14.5% | 13.0% | 8.0% | — | | Cash | New Zealand | Cash & cash equivalents | 2.0% | 2.0% | 2.0% | 2.0% | 2.0% | 2.0% | 2.0% | 2.0% | | **Total** | | | **100%** | **100%** | **100%** | **100%** | **100%** | **100%** | **100%** | **100%** | #### Socially Responsible Investment (SRI) Portfolio Holdings | Asset | Country of Origin | Asset Type | 30/70 | 40/60 | 50/50 | 60/40 | 70/30 | 80/20 | 90/10 | 98/2 | |---|---|---|---|---|---|---|---|---|---|---| | Harbour Sustainable NZ Shares Fund | New Zealand | Australasian equities | 7.5% | 9.5% | 11.5% | 13.5% | 15.5% | 17.0% | 19.0% | 20.0% | | Dimensional Australian Sustainability Trust | Australia | Australasian equities | 2.5% | 3.5% | 4.5% | 6.0% | 7.0% | 8.0% | 9.0% | 10.0% | | Dimensional Global Sustainability PIE Fund (NZD) | New Zealand | International equities | — | — | 3.0% | 6.0% | 10.0% | 15.0% | 21.0% | 27.0% | | Evidential Sustainable Targeted Factor Fund | New Zealand | International equities | 10.0% | 13.5% | 17.0% | 20.5% | 24.0% | 27.5% | 30.5% | 33.5% | | Kernel Global ESG Fund (NZD) | New Zealand | International equities | 8.0% | 11.0% | 11.0% | 10.0% | 9.0% | 7.0% | 4.0% | — | | Dimensional Emerging Markets Sustainability Trust | Australia | International equities | 2.0% | 2.5% | 3.0% | 4.0% | 4.5% | 5.5% | 6.5% | 7.5% | | Harbour NZ Corporate Bond Fund | New Zealand | NZ fixed interest | 21.0% | 18.0% | 13.0% | 10.0% | 7.0% | 5.0% | — | — | | Dimensional 2-Year Sustainability Fixed Interest Fund PIE | Australia | International fixed interest | 29.0% | 22.0% | 17.0% | 10.0% | 4.0% | — | — | — | | Evidential Sustainable Global Bond Fund (NZD) | New Zealand | International fixed interest | 18.0% | 18.0% | 18.0% | 18.0% | 17.0% | 13.0% | 8.0% | — | | Cash | New Zealand | Cash & cash equivalents | 2.0% | 2.0% | 2.0% | 2.0% | 2.0% | 2.0% | 2.0% | 2.0% | | **Total** | | | **100%** | **100%** | **100%** | **100%** | **100%** | **100%** | **100%** | **100%** | #### Investment Objectives of the Traditional Portfolios The investment objective of each of the traditional portfolios is to perform to their respective benchmark containing the investment classes making up the portfolio, on a gross basis (before tax, fees and other expenses have been taken into account) over the time horizon for which the portfolio is suitable. --- ### 2. Historical performance of the investment strategy The table below shows hypothetical returns for the classic and socially responsible portfolios that your investment strategy is based on (but does not reflect trading in actual accounts). It is based on a single hypothetical portfolio of $500,000 opened on 1 January 2020. Portfolio returns in these columns are net of estimated trading expenses (assuming annual rebalancing) but before all other fees and tax. The data below is indicative of returns, but the actual returns experienced by investors in the future will vary depending on many factors, including: - Exchange rates for the New Zealand dollar in the future - Returns of the underlying investment classes and the securities used in the future - New Zealand interest rates over the duration of your portfolio - The timing and amount of cash flows into and out of the portfolio in the future - The overall costs of transactions actually undertaken - The timing and number of trades used to rebalance the portfolio - The size of the portfolio, as larger portfolios have lower costs on a proportional basis #### Important Hypothetical results have limitations. Hypothetical returns are only indicative of the actual trading performance. Because the portfolio includes trades that represent simulated historical performance and not actual trades, the results may have under-compensated or over-compensated for the impact of trading expenses and market factors like lack of liquidity. Past returns (whether hypothetical or actual) do not tell you how the investment strategy will perform in the future. #### Hypothetical returns on $500,000 after all costs but before tax | Portfolio | 12 month return (1 Jan 2024 – 31 Dec 2024) Classic | 12 month return (1 Jan 2024 – 31 Dec 2024) SRI | 5 year return (1 Jan 2020 – 31 Dec 2024) Classic | 5 year return (1 Jan 2020 – 31 Dec 2024) SRI | |---|---|---|---|---| | 30/70 | 5.1% | 5.3% | 2.5% | 2.5% | | 40/60 | 6.1% | 6.3% | 3.4% | 3.5% | | 50/50 | 7.6% | 7.3% | 4.3% | 4.4% | | 60/40 | 8.7% | --- ## https://financeadvisers.co.nz/api/provider/FSP271665/disclosure.md > _Markdown transcription of First Rate Mortgages Limited's Public Disclosure Statement, version 2026-05-24. Source: https://nonbank.co.nz/about-our-business/._ --- # First Rate Mortgages Limited — Public Disclosure Statement **Important information about our Company.** --- ## Licence Status and Conditions First Rate Mortgages Limited (FSP271665) holds a licence issued by the Financial Markets Authority to provide financial advice. Our trading names are: First Rate Mortgages Ltd; NonBk Ltd – Non Bank Loans, Home Loans, Mortgages and Finance. --- ## Nature and Scope of the Financial Advice Given We provide financial advice about products from a large range of both Bank and Non-Bank providers. For a list of our current providers, see: [https://nonbank.co.nz/bank-and-non-bank-product-providers/](https://nonbank.co.nz/bank-and-non-bank-product-providers/) We do not provide advice on Personal Life Insurance, Investments such as Shares or KiwiSaver, Home and Contents Insurance. The financial advice provided to you will only take into account the information you give us about your particular needs, financial situation or goals. --- ## Our Duties First Rate Mortgages Ltd, 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 isn't 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). The Code of Professional Conduct for Financial Advice Services can be read at: [https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf](https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf) --- ## No Fees, Expenses or Other Amounts Payable for Our Financial Advice We do not charge any upfront fees, expenses or any other amounts for the initial financial advice given to you. If you then choose to use our services to arrange finance we will then disclose any lender fees, brokerage fees, or other lending related costs that may be applicable. These can vary depending on which lender provides a loan offer. --- ## How We Are Remunerated The lender will pay commission and/or brokerage fees to First Rate Mortgages Ltd once the loan has settled. The amount of commission is based on the amount of the mortgage. If we refer you to an independent Insurance Specialist, or you access a lender to apply directly through a link on our websites, for a Personal Loan, a Short Term Business loan or a Business Line of Credit, First Rate Mortgages Ltd and/or NonBk Ltd are unable to provide advice on insurance or financial services offered to you when you are dealing directly with a third party. A referral commission will be paid to First Rate Mortgages Ltd if they can assist you. --- ## Conflicts of Interest and Commissions or Other Incentives We will discuss with you any possible conflicts of interest at the outset and note them in our Loan Recommendation. To ensure that our financial advisers prioritise the client's interest above their own, we follow an advice process that ensures our recommendations are made on the basis of the client's goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme annually by a reputable compliance consultancy firm. --- ## Our Complaints Process If you have a problem, concern, or complaint about any part of the financial advice you have received from us, you may contact us using any of the following means: | | | |---|---| | **In writing:** | Complaints Officer, First Rate Mortgages Ltd t/a NonBk Ltd, 71 Maka Terrace, Orewa 0931, New Zealand | | **By telephone:** | 09 426 8927 | | **By email:** | complaints@nonbank.co.nz | When we receive a complaint, we will consider it following our internal complaints process: - We will acknowledge your complaint within 2 working days. - We may require additional information about your complaint or be able to advise how we could resolve it. - We aim to resolve complaints within 15 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. If we can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact Financial Services Complaints Limited. --- ## Dispute Resolution Process If our internal complaints process does not resolve your complaint to your satisfaction, you can contact our external independent dispute resolution scheme. This service is free and may help investigate or resolve the complaint. We are a member of Financial Services Complaints Limited (FSCL) – A Financial Ombudsman. You can contact Financial Services Complaints Limited at: | | | |---|---| | **Name** | Financial Services Complaints Limited – A Financial Ombudsman | | **Address** | Level 4, Sybase House, 101 Lambton Quay, Wellington 6011 | | **Telephone** | 0800 347 257 | | **Email** | complaints@fscl.org.nz | | **Website** | [http://www.fscl.org.nz/](http://www.fscl.org.nz/) | --- ## Contact Details First Rate Mortgages Ltd (FSP271665) is the Licensed Financial Advice Provider. Our trading names are: First Rate Mortgages Ltd; NonBk Ltd; Non Bank Loans, Home Loans, Mortgages and Finance. | | | |---|---| | **Mail** | First Rate Mortgages Ltd, 71 Maka Terrace, Orewa 0931, New Zealand | | **Physical address** | Level 1, Gallagher House, 50 Centreway Road, Orewa, Auckland 0931 *(Free Onsite Parking and Lift Access)* | | **Email** | kim.lyons@firstratemortgages.co.nz | | **Phone** | 09 426 8927 | --- *Note: The page links to a sub-document — [Code of Professional Conduct (PDF)](https://nonbank.co.nz/wp-content/uploads/2025/08/codeofprofessionalconduct-march2021.pdf) — and to a provider list page at [https://nonbank.co.nz/bank-and-non-bank-product-providers/](https://nonbank.co.nz/bank-and-non-bank-product-providers/).* --- ## https://financeadvisers.co.nz/api/provider/FSP27321/disclosure.md > _Markdown transcription of Neville Newcomb Insurance Brokers Limited's Public Disclosure Statement, version 2026-05-18. Source: https://www.nnibrokers.co.nz/assets/forms/nnib-disclosure-statement-and-terms-of-trade.pdf._ --- # NEVILLE NEWCOMB INSURANCE BROKERS LIMITED ## BUSINESS DISCLOSURE and TERMS OF TRADE --- ## Contents - Introduction - About us - Important Information - What sort of advisers are we? - How do we get paid? - Our Integrity - Our Complaints Process - Our Adviser Duties - Our Terms of Trade --- ## Introduction Thank you for allowing us to work with you on your risk management and insurance requirements. We take our responsibility to advise and support you seriously and will provide you with professional and personal service at all times. This document sets out our disclosure requirements and our standard terms of business on which we will provide our services to you. We provide this document to meet our requirements under current regulations and to set out the terms of business that apply whenever you ask us to act for you for all services we provide to you, together with any additional or different terms as agreed in writing with you. By taking on our services, you acknowledge acceptance of these terms. This means you do not need to sign any formal agreement to indicate your acceptance unless we ask you to. These terms of business supersede and replace any previous terms of business you have received from us, and will apply unless and until we provide you with new or amended disclosures or terms of business or replace it with different terms agreed with you. If there should be any inconsistency or conflict between these terms of business and additional or different terms agreed with you, we will respect the terms agreed with you. --- ## About us | | | |---|---| | **Financial Service Provider** | Neville Newcomb Insurance Brokers Limited FSP27321 | | **Telephone Number** | 09 377 3393 | | **Address** | Level 1, 20 Augustus Terrace, Parnell, Auckland | | **Email address** | Reception@nnibrokers.co.nz | | **Website** | www.nnibrokers.co.nz | --- ## Important Information This will help you the Client make an informed decision whether we Neville Newcomb Insurance Brokers and our adviser's financial advice and products are suitable for your needs and whether to seek, follow or accept the Financial Advice. This Disclosure Statement is required under the Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendment Regulations 2020. --- ## What sort of Advisers are we? Neville Newcomb Insurance Brokers holds a licence issued by the Financial Markets Authority (FMA) to provide a financial advice service (being the provision of financial advice on fire and general insurance products. Under this licence, we may only provide you financial advice in relation to fire and general, Neville Newcomb Insurance Brokers is a Financial Provider under the licence. The licence came into effect when the Financial Services Legislation Amendment Act 2019 (FSLAA) came into force on 15 March 2021. We are 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 get paid for the Financial Advice and Products that we provide to you? ### Fire & General Insurance Products We receive commission (brokerage) when you, the client accepts our financial advice and purchases an insurance policy. The commission is paid to us by the Insurer (product provider) based on each insurance policy that you purchase. The commission only applies to the company premium and natural disaster premium portion of the total premium and excludes any fire emergency levies, EQ levies or other government charges. Please refer to the below link for our full commission table to see exact the commission % we receive on the renewal of each policy, by insurer. This is provided to you to disclose our exact commission remuneration. https://nnibrokers.co.nz/assets/forms/nnib_commission_table.pdf ### Policy Administration Charges and Fees We may charge a policy administration charge and/or Broker Fees for financial advice. We will tell you what the fee is and we will show these charges and/or fees on your policy invoice. These charges and fees are only 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 you choose to accept and purchase. The total fees payable may increase with the number of insurance policies that you choose to purchase. Fees may be received alternately or in addition to commission. --- ## Our Advisors 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 requirements, goals, and circumstances. Our advisers complete annual and ongoing training about how to manage conflict of interests and a register of interests is maintained. We perform an annual review of our compliance programme. You should be aware there may be 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. --- ## Complaints Process We take our service responsibility to your seriously. If you have a problem, concern or you are dissatisfied with either a product or financial advice service that has been provided by us or one of our Advisers and you require action to be taken please tell us so that we can help and fix the issue. Please contact us directly or feel free to use our Complaints Process, which you will find by clicking on below link: https://www.nnibrokers.co.nz/assets/forms/nnib_complaints_procedure.pdf If a complaint is received by us, 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 Complaints Manager. You will receive a written decision, remedies, and resolution as soon as practicable after we have decided the outcome. If you feel your complaint is not resolved to your satisfaction using our complaints process, or you are unsatisfied with the response or resolution, you can contact Financial Services Complaints Ltd (FSCL) which is a dispute resolution scheme we are a member of. This service is free to you 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 Insurance & Financial Services Ombudsman Scheme http://www.ifso.nz ### Contact Insurance & Financial Services Ombudsman Scheme (IFSO) | | | |---|---| | **Postal Address** | P.O. Box 10845, Wellington 6143 | | **Email** | info@ifso.nz | | **Telephone** | 0800 888 202 | | **Website** | http://www.ifso.nz/ | --- ## Our Advisor Duties to You - our Client Our Advisers give financial advice to clients on Neville Newcomb Insurance Brokers behalf. When giving advice all our Advisers must: - Hold a Level 5 New Zealand Certificate in Financial Services, (by 15 March 2023) - Maintain competence, knowledge, and skills for giving financial advice by completing continuing professional development. - Abide by the Code of Professional Conduct for Financial Services and have Ethical behaviour, good conduct and provide Client Care. https://financialadvicecode.govt.nz/wp-content/uploads/2025/10/financial-advice-code-of-conduct-2025.pdf - Listen to the client carefully to discover their needs. - Recommend products or services that meet the client needs and explain why. - Give clear and concise communication. - Protect client information. - Give priority to the client's interests when giving financial advice. --- ## Our Terms of Trade ### 1.0 Definitions | | | |---|---| | **1.1 Company** | means Neville Newcomb Insurance Brokers Limited | | **1.2 Insurer** | means the provider of the insurance policy or product. | | **1.3 Client** | means the person, company obtaining advice on insurance products and services. | | **1.4 Premium** | is the charge of the policy. | | **1.5 Insurance Policy** | is the Insurance product provided to the client and combines the policy document, insurance schedule and application form. | | **1.6 Contract** | is the agreement by the client to pay the premium in exchange for advice from the company and for the insurer to provide cover as set out in the Insurer policy document. | | **1.7 Period** | means the dates the policy applies to. | ### 2.0 Your Client Responsibilities - **2.1** The client must pay the Premium by the due date as set out below. - **2.2** The client must provide all relevant information to the company. - **2.3** The client must inform the company of any material change during the period of this contract. - **2.4** If the client fails to follow these responsibilities it may invalidate the policy. ### 3.0 Our Company Responsibilities - **3.1** The Company will provide insurance broking services with reasonable care, integrity and skill and as defined by the Code of Conduct. All representations made (whether express or implied) and all other implied conditions, warranties and terms as to the provision of the services are otherwise excluded to the extent permitted by law. - **3.2** The Company will forward payments received to the Insurer as per the Insurance Intermediaries Act 1994. - **3.3** The Company and Insurer will keep all client information confidential and will use it for the sole purpose of which it was disclosed in line with the Privacy Act. - **3.4** The company may correspond with you by electronic communication which may not always be secure and may be read copied or interfered with in transit. We are not responsible for risks associated with electronic communication. ### 4.0 Commissions and Fees - **4.1** The Company will receive commission from Insurers. - **4.2** We may alternatively or in addition charge a Policy Administration Charge and or Broker Fee for our services. - **4.3** Unless mandated by law, commissions and any fee earned on policies are deemed to be earned at the inception of the policy. ### 5.0 Payment, Late Payment. Default of Payment and Consequences of Default of Payment - **5.1** The method of payment will be made by direct credit, credit card or as arranged through an agreed Premium Funding company. - **5.2** Payment in full of outstanding amounts shall be received no later than the 20th of the month following invoice date or by the effective date of the cover, whichever is the earliest, unless specific written agreement to the contrary. - **5.3** If the payment remains outstanding further to the above, then your policy may be cancelled and be null and void. Any claim on the Insurer could be invalid. - **5.4** Credit Card payments are subject to a 2.2% surcharge unless another amount is advised when making payment. - **5.5** Premium Funding can be arranged at the client's option. This will be arranged via a third-party provider and be subject to their terms and conditions. - **5.6** Any invoices that are billed outside of the Premium funding arrangement are subject to be paid as stated above in Clause 5.2. ### 6.0 Cancellation - **6.1** The Client is able to cancel a policy(ies) with the Insurer at any time by providing written notice to the company. - **6.2** If the Company and/or Insurer are unable to continue to offer the policy and/or services to the client, we will provide written notice subject to the Insurance policy. - **6.3** Commission earned and/or fee charged for the Companies services are considered to be earned at the time the insurance cover is placed and are not refundable in the event the cover is terminated early. Any refunds created by the cancellation of a policy either by the Client or the Company or the Insurer will only be paid back to the Client once any outstanding premiums have been received from the Insurer. --- ## https://financeadvisers.co.nz/api/provider/FSP27403/disclosure.md > _Markdown transcription of Stewart Financial Group Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.stewartgroup.co.nz/stewart-financial-group._ --- # Stewart Financial Group — Public Disclosure Statement ## Important Information The full Public Disclosure Statement for Stewart Financial Group is available as a PDF document. **[View Disclosure Statement (PDF) — Disclosure-Stage-1-Website-SFG-Oct24.pdf](https://www.stewartgroup.co.nz/s/Disclosure-Stage-1-Website-SFG-Oct24.pdf)** *(Click the link above to access the complete FAP Public Disclosure Statement, dated October 2024.)* --- > **Note:** The HTML page at `https://www.stewartgroup.co.nz/stewart-financial-group` does not contain inline disclosure text. The disclosure content is held entirely within a linked PDF sub-document: > > - **Disclosure Stage 1 – Website SFG Oct24** (`/s/Disclosure-Stage-1-Website-SFG-Oct24.pdf`) > > The full details of fees, conflicts of interest, commissions, complaints data, professional indemnity insurance, dispute resolution scheme, scope of advice, product/provider panel, ownership, and material business relationships are contained in that document and have not been reproduced here as the source HTML does not include that text. --- ## https://financeadvisers.co.nz/api/provider/FSP28141/disclosure.md > _Markdown transcription of Private Wealth Advisers Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.privatewealthadvisers.co.nz/public-disclosure/._ --- # PWA Disclosure Statement ## Important Information about Private Wealth Advisers Limited > "At PWA, the client comes first. Our ability to provide totally independent advice, customised to each client, is the foundation of our long-term relationships. That's what makes us different." > > **Roger Sutherland** --- ## Licence Information **Private Wealth Advisers Limited (FSP28141)** trading as Private Wealth Advisers Limited holds a licence issued by the Financial Markets Authority to provide financial advice. **Private Wealth Advisers Limited** Email: info@privatewealthadvisers.co.nz Phone: 09 308 2975 Level 1, Suite 1, 1 Faraday Street Parnell Auckland --- ## Nature and Scope of Engagement Private Wealth Advisers provides advice to our clients about their investments. Our financial advisers provide financial advice in relation to: - Managed funds - Direct equities - Bonds - ETFs - Listed property trusts - Private equity - Private credit - On-call cash and term deposits --- ## Services We Offer - Short term savings - Investment solutions - Financial projections / retirement planning - Cash management - Cashflow analysis - Debt management --- ## How We Operate To ensure that our financial advisers prioritise client's interests above their own, we follow an internationally recognised professional advice process to ensure our recommendations are made on the basis of our client's goals, objectives and circumstances. **We are required to:** - Give priority to our client's interests by taking all reasonable steps to make sure our advice isn't 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). --- ## Remuneration (What Do Our Services Cost?) For each client engagement we agree a fee for service, prior to the commencement of any billable work. We discuss the level of engagement required as this will determine the ongoing costs. These can be in the form of: - Fixed annualised costs - An agreed percentage of the total portfolio value (this may be in the vicinity of **0.50% – 2.00% gross p.a.**, agreed prior) - Invoicing on a 'time in attendance' basis **Private Wealth Advisers does not accept commissions from investment providers.** In some circumstances, as agreed with the client, Private Wealth Advisers may charge brokerage on direct equity transactions. The cost for preparing a Statement of Advice is determined after an initial conversation and discussed with you prior to the commencement of any work. --- ## Conflicts of Interest We take any perceived or real conflicts of interest very seriously. We avoid, disclose and/or manage any conflicts so that our client's interests are placed first and foremost. Due to the nature of our fee structure, financial conflicts are largely mitigated. The main conflict of interest arises from referrals from our non-executive director who will be acting as both trustee and accountant of the client being referred. This individual is also a shareholder of PWA and may benefit in the form of dividend payments and shareholder value. From time to time, investment managers and other suppliers may provide PWA staff with items of minor value, such as tickets to sporting events, hampers or other gifts similar in nature. --- ## Complaints Handling and Dispute Resolution If you are not satisfied with our financial advice service you can make a complaint by: - **Email:** your adviser or info@privatewealthadvisers.co.nz - **Phone:** 09 308 2975 - **Post:** PO Box 179 Shortland Street Auckland **Internal complaints process:** 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. **External dispute resolution:** If we can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact the **Insurance & Financial Services Ombudsman Scheme Inc. (IFSO Scheme)**. IFSO Scheme provides a free, independent dispute resolution service that may help investigate or resolve your complaint. - **Email:** info@ifso.nz - **Phone:** 0800 888 202 - **Post:** IFSO Scheme PO Box 10-845 Wellington 6143 New Zealand --- ## Privacy / Data Collection To give our clients the very best advice we need to collect personal information about their financial circumstances. We take our responsibilities under the **Privacy Act 2020** very seriously. Key points: - We only collect information relevant to the nature and scope of the advice we are providing - The accuracy of this information to our advice is critical - Once collected we will protect any client information - You can request any personal information or ask for it to be amended at any time - We will only share information where it is necessary to do so in providing the agreed services. If this is not part of our normal business we would only consider this with your express consent. However, there are some third parties you may not be aware of that we may need to share your information with, such as: - Financial Markets Authority (FMA) – the Regulator of financial services in New Zealand - External compliance agencies we may engage for quality assurance purposes - We have policies and procedures for dealing with any data breaches as soon as possible - Any information no longer needed will be destroyed securely For more information, see the [Private Wealth Advisers Privacy Policy](https://www.pwa.nz/privacy-statement). --- *Last published: May 2026* --- **Linked sub-documents referenced on this page:** - [Private Wealth Advisers Privacy Policy](https://www.pwa.nz/privacy-statement) — linked from the disclosure statement but content not reproduced here. --- ## https://financeadvisers.co.nz/api/provider/FSP284625/disclosure.md > _Markdown transcription of Rothbury Insurance Brokers Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.rothbury.co.nz/resources-support/public-disclosure/._ --- # Public Disclosure ## Financial Advice Provider Licence Rothbury Insurance Brokers Limited ("Rothbury") has a licence from the Financial Markets Authority ("FMA") to provide fire & general and other insurance advice. General insurance means cover for your personal and business assets, business liabilities and specialist risks. Our licence requires us to: - keep records of all financial advice; - have an internal process for resolving client complaints; - provide reporting to regulatory authorities; - perform due diligence on any supplier we outsource to; - maintain a business continuity plan including maintaining technology security; - comply with the Financial Markets Conduct Act requirements for licensees; and, - notify FMA of material changes to our financial advice service. --- ## Financial Advice Services Rothbury offers financial advice about general insurance cover offered by a range of insurers. For a list of those insurers whose products we will advise on, see the [Insurer Partners page](https://www.rothbury.co.nz/resources-support/insurer-partners/). --- ## Adviser Duties Rothbury brokers are bound by the Financial Markets Conduct Act 2013. This requires them to: - meet standards of competence, knowledge, and skill which are described in the Code of Professional Conduct for Financial Advice Services; - give priority to clients' interests whenever a conflict of interest arises; - exercise care, diligence, and skill in giving financial advice; and - meet standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Services. --- ## Service Charges Rothbury will not charge you for the time we spend understanding your needs, identifying and negotiating offers of insurance or otherwise advising you, except where you ask us to provide specialist risk management advice or surveys. If you choose not to take our advice then there is no other cost to you. If we put any cover in place for you then we will charge you a service margin as a percentage of the insurer premium plus a documentation charge in order to provide and maintain our high service. --- ## Incentives The insurer will pay Rothbury brokerage equal to a percentage of the insurer premiums you pay. > **Note:** Brokerage rates differ between insurers (for the same type of policy) and between policy types (for the same insurer). Our brokers are paid by us out of our income. The majority of brokers' remuneration is a fixed salary. Remuneration may also include amounts calculated as a proportion of new and continuing Rothbury revenue, as our measure of the value and difficulty of risk covered, the quality of advice provided and the level of personal service provided to our clients. However, individual instances of advice may not receive any identifiable incentive. Brokers' remuneration is also affected by client management and regulatory compliance measures. From time to time we may also reward staff who excel in meeting client needs, which may also be based on revenue, service or compliance measures. Rothbury actively monitors client feedback to ensure advice given by our brokers consistently targets the best client outcomes. We also review examples of advice for each broker on an ongoing basis to ensure advice meets our standards. --- ## Conflicts of Interest Rothbury Instalment Services Limited offers clients the ability to spread their premium payments instead of paying by lump sum. It earns interest and pays Rothbury Insurance Brokers Limited a referral fee. We avoid a conflict of interest by our brokers not offering advice about this service and we do not reward individual brokers when their clients choose to spread their payments. Rothbury may give advice about cover provided by underwriting agencies which are related parties: - **NZ Underwriting Agencies Ltd** offer cover options under the Classic Cover brand; - **Southern Pacific Underwriting Agency Ltd** offers cover options backed by Lloyds of London; - **Steadfast Underwriting Agencies Holdings Pty Ltd** in Australia has interests in various agencies who may, from time to time, be the underwriter for a product which our brokers give advice on. If we put cover in place via an underwriting agency which is a related party, then they will pay us brokerage equal to a percentage of the insurer premiums you pay. This is instead of and not in addition to brokerage from an insurer. Brokers are not incentivised to prefer any products provided by a related party. We register and manage all conflicts of interest. If a conflict of interest arises between a client and one of our staff involved in giving them advice then we advise the client of the steps we will take to manage that conflict and give their interests priority. We or another member of Rothbury Group may provide services to insurers from time to time which are unrelated to the advice we give clients and for which the insurer pays us a fee. We may also receive training in products, sponsorship for conferences or other non-monetary consideration from time to time which assists us to provide effective services to our clients. We do not believe these things create a conflict of interest with our advice to clients. --- ## Complaints and Dispute Resolution For information about our internal complaints process and dispute resolution scheme, see the [Complaints page](https://www.rothbury.co.nz/resources-support/complaints/). --- ## Ownership Disclosure Rothbury Insurance Brokers Limited is part of the Rothbury Group. --- *Footer notes:* - **Terms of Business:** A downloadable PDF is referenced at `https://www.rothbury.co.nz/files/rothbury_terms_of_business.pdf` - **Insurer Partners list:** Available at `https://www.rothbury.co.nz/resources-support/insurer-partners/` - **Complaints & Dispute Resolution detail:** Available at `https://www.rothbury.co.nz/resources-support/complaints/` --- ## https://financeadvisers.co.nz/api/provider/FSP28481/disclosure.md > _Markdown transcription of Frank Risk Management Limited's Public Disclosure Statement, version 2026-05-18. Source: http://www.frankrisk.co.nz/s/Disclosure-Statement-Frank-Risk-s8ep.pdf._ --- # Frank Risk Management Disclosure Statement It is important that you read this information. It will help you (the client) make an informed decision whether we (Frank Risk) and our advisers will provide advice and access to products that are suitable for your needs and whether to seek, follow or accept the Financial Advice. This Disclosure Statement is required under the Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendment Regulations 2020. ## Who are we? | | | |---|---| | Name of Financial Advice providers | Frank Risk Management Limited (FSP28481) | | Trading Names | Frank Risk, Frank Agri, Frankie, Frank Professions | | Telephone Number | 07 903 5000 | | Address | 630 Victoria Street, Hamilton 3204 | | Email address | info@frankrisk.co.nz | | Website | www.frankrisk.co.nz | ## What sort of advisers are we? We are licensed Financial Adviser Providers by Financial Market Authority of New Zealand (FMA). Financial Services Legislation Amendment Act 2019 requires Frank Risk to hold a current license for Advisers to provide Financial Advice Services to our Clients. To view our license go to the Financial Service Providers Register and search our Financial Service Provider (FSP) number FSP28481. As Licensed Financial Advice Providers, we have standard conditions on our license, these conditions are not specific to Frank Risk and do not limit or restrict Advice that may be given. ## What Financial Advice can we provide to you? Frank Risk and our advisers can give Financial Advice on Insurance Products for Commercial and Domestic Clients. Our Insurance product providers are Insurance business in New Zealand that are licensed under 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. Frank Risk's insurance product providers are required to have financial strength ratings with a minimum of A- and above. When you receive a quote from us you will be supplied with 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 Frank Risk 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 advisors complete annual and ongoing training about how to manage conflict of interests and a register of interests is maintained. We monitor these registers and provide additional training where necessary. We perform an annual review of the compliance programme. You should be aware 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, we will make you aware of any conflicts when giving advice. For the purposes of the Financial Markets Conduct Act 2013, a conflict of interest means any interest of Frank Risk, a financial advisor, or any other person connected with the advice in which a reasonable client may find reasonably likely to materially influence our advice. Frank Risk has the following relationship with a relevant organisation which may give rise to a conflict of interest: **KSIR Management Limited FSP764853 trading as Frank Life** – Frank Life are life & health insurance advisors which we may refer you to. We are a shareholder in this business. As a shareholder, we may benefit from you arranging cover with Frank Life via business profits. Any recommendations for you to insure with Frank Life are made independently of our relationship. ## How do we get paid for the Financial Advice and Products that we provide to you? Frank Risk and our advisers do not receive any commission or other incentives for giving Financial Advice. Frank Risk may receive commission when a domestic client accepts our Financial Advice and purchases an insurance policy. The commission is paid by the Insurer (product providers) for the insurance business on each insurance policy that the client purchases. The commission paid to us can be between the range of 0-24.5% of the insurer portion (total premium of the Insurance Policy less government levies and taxes). Frank Risk does not receive any commission or other incentives when a commercial client accepts our Financial Advice and purchases an insurance policy, instead, we charge a disclosed fee. Our advisers are not incentivised by the selling of insurance products. ## What fees do we charge? Frank Risk may charge commercial clients a fee for Financial Advice given, we will tell you what the fee is before you accept any advice from us or our Advisers. We will charge commercial clients 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 you choose to accept and purchase. Frank Risk may charge domestic clients 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 the administration of the insurance policies that you choose to accept and purchase. All fees are itemised and payable by you, the client, by the date shown on the invoice. More information about our fees is included in our terms of business on our website. ## NZbrokers Management Limited Frank Risk 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 us. When a client accepts our Financial Advice and purchases a policy NZbrokers may receive a service fee or technology fee from the Product Provider. ## Profit Share Frank Risk does not accept profit shares from any insurers. ## How can you depend on the Advice you receive? We have not been subject to any other reliability events that would influence you, the client, in deciding whether to seek or obtain advice from us or our advisers. ## How to make a Complaint If you have a problem, concern or you are dissatisfied with either a product or Financial Advice service that has 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, or to find more details on our complaints process including how to make a complaint please click here. 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 and every attempt will be made, to resolve your complaint in a timely manner, with staff escalating as necessary to Senior Management or 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 Frank Risk complaints process, or you are unsatisfied with the response or resolution, you can contact Financial Services Complaints Ltd (FSCL). 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 here to find out how to make a complaint to Financial Services Complaints Limited. ### You can contact FSCL at: | | | |---|---| | Postal Address | P.O. Box 5967, Wellington 6145 | | Email | info@fscl.org.nz | | Telephone | 0800 347 257 | | Website | http://www.fscl.org.nz/ | ## What are our advisers duties? Our advisers give Financial Advice to clients on Frank Risk's behalf, when giving advice all our advisers must: - Hold a Level 5 New Zealand Certificate in Financial Services (or equivalent) - Maintain competence, knowledge, and skills for giving Financial Advice by completing continuing professional development. - Abide by the Code of Professional Conduct for Financial Services and have Ethical behaviour, good conduct, and provide client Care. - Listen to the client carefully to discover their needs. - Recommend products or services that meet the client's 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 or email questions@fma.govt.nz but if you want to complain you should 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: 4th March 2021 This disclosure statement was updated on: 10th September 2025 --- ## https://financeadvisers.co.nz/api/provider/FSP28581/disclosure.md > _Markdown transcription of Builtin Insurance Brokers Limited's Public Disclosure Statement, version 2026-05-23. Source: https://builtininsurance.co.nz/wp-content/uploads/2025/05/Disclosure-Statements-Builtin-Insurance-Brokers-3.7.pdf._ --- # DISCLOSURE STATEMENT --- ## Financial Adviser: Ben Rickard | | | |---|---| | **FSP Number** | 200925 | | **Mobile** | 0275 212 014 | | **Email** | ben@builtin.co.nz | I am a financial adviser giving advice on behalf of Builtin Insurance Brokers Limited ("Builtin"). I provide financial advice on the following types of insurance and financial products: - All general commercial areas of insurance - Business assets, including buildings under construction, tools & equipment and commercial vehicles - Business liability and professional indemnity - Business financial risk - Bonds & guarantees - Domestic insurance I do not provide advice on wealth management, mortgages, investing or personal risk insurances but can refer you to others who do. ### Reliability history There are no reliability events (which may include things like disciplinary proceedings, criminal convictions and bankruptcies) that I need to disclose. --- ## Financial Adviser: Clayton Marsh | | | |---|---| | **FSP Number** | 697931 | | **Phone** | 07 579 6259 | | **Email** | clayton@builtin.co.nz | I am a financial adviser giving advice on behalf of Builtin Insurance Brokers Limited ("Builtin"). I provide financial advice on the following types of insurance and financial products: - All general commercial areas of insurance - Business assets, including buildings under construction, tools & equipment and commercial vehicles - Domestic insurance - Business liability and professional indemnity I do not provide advice on wealth management, mortgages, investing or personal risk insurances but can refer you to others who do. ### Reliability history There are no reliability events (which may include things like disciplinary proceedings, criminal convictions and bankruptcies) that I need to disclose. --- ## Financial Adviser: Fleur Fisher | | | |---|---| | **FSP Number** | 744991 | | **Phone** | 07 579 6259 | | **Email** | fleur@builtin.co.nz | I am a financial adviser giving advice on behalf of Builtin Insurance Brokers Limited ("Builtin"). I provide financial advice on the following types of insurance and financial products: - All general commercial areas of insurance - Domestic insurance I do not provide advice on wealth management, mortgages, investing or life or personal risk insurances but can refer you to others who do. ### Reliability history There are no reliability events (which may include things like disciplinary proceedings, criminal convictions and bankruptcies) that I need to disclose. --- ## Financial Adviser: Phil Theron | | | |---|---| | **FSP Number** | 1004997 | | **Phone** | 07 579 6259 | | **Email** | phil@builtin.co.nz | I am a financial adviser giving advice on behalf of Builtin Insurance Brokers Limited ("Builtin"). I provide financial advice on the following types of insurance and financial products: - All general commercial areas of insurance - Business assets, including buildings under construction, tools & equipment and commercial vehicles - Business liability and professional indemnity - Domestic insurance I do not provide advice on wealth management, mortgages, investing or life or personal risk insurances but can refer you to others who do. ### Reliability history There are no reliability events (which may include things like disciplinary proceedings, criminal convictions and bankruptcies) that I need to disclose. --- ## Financial Adviser: Keryl Rickard | | | |---|---| | **FSP Number** | 115027 | | **Phone** | 07 579 6259 | | **Email** | keryl@builtin.co.nz | I am a financial adviser giving advice on behalf of Builtin Insurance Brokers Limited ("Builtin"). I provide financial advice on the following types of insurance and financial products: - All general commercial areas of insurance - Domestic insurance - Guarantees I do not provide advice on wealth management, mortgages, investing or personal risk insurances but can refer you to others who do. ### Reliability history There are no reliability events (which may include things like disciplinary proceedings, criminal convictions and bankruptcies) that I need to disclose. --- ## Duties We are bound by the following duties under the Financial Markets Conduct Act 2013 to: - meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure I have the expertise necessary to provide you with advice; and - give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and - exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and - meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. --- ## Fees, expenses, or other amounts payable Builtin will not usually charge a fee for the advice given to you. If we do it will be clearly shown on your quote. On contract works insurance that is placed through our scheme the perils premium quoted may include a service margin of up to 30% in addition to the insurer's premium. We may also charge an administration fee if you instruct us to place insurances as recommended. This fee is based in the amount of work and time required and is typically between $30 to $60. The amount of this fee will be shown on our quote. If you enter into a premium funding arrangement Builtin will receive a commission of 2% of the amount funded. --- ## Conflicts of interest and commissions or other incentives We receive commission from the insurance providers of the policies that we place with them, on your behalf. The commission will range from 7% to 26% of the premium payable by you, depending on the insurance company and policy you choose. The amount of this commission will be shown on our quote. There are no other conflicts of interest that we are aware of that we need to disclose. We prioritise your interests above our own, by following an advice process that ensures our recommendations are made on the basis of your needs and circumstances. We complete training to understand and manage conflicts of interest. We maintain a register of conflicts of interests and any gifts and other incentives that we may receive. We review our compliance programme annually. --- ## Terms of business Please refer to our website at www.builtin.co.nz/about-us/terms-of-business for the terms by which you agree to do business with us. --- ## Complaints and dispute resolution Please refer to our website at www.builtin.co.nz/complaints-dispute-resolution for information about making a complaint and our internal complaints process. This includes the contact details of our external dispute resolution scheme, that offers a free service to help investigate and resolve any complaint if we haven't been able to resolve this to your satisfaction. --- ## Financial Advice Provider – Full License, Class 2 Builtin Insurance Brokers Limited (FSP28581). You can check the current status of our license here: https://fsp-register.companiesoffice.govt.nz. --- **PO Box 616, Tauranga 3140, 243A State Highway 2, Bethlehem, Tauranga** **Last Updated: 21st May 2025** --- ## https://financeadvisers.co.nz/api/provider/FSP28941/disclosure.md > _Markdown transcription of Hutchison Rodway Limited's Public Disclosure Statement, version 2026-05-23. Source: https://hutchisonrodway.co.nz/assets/docs/HutchRod_Disclosure_Statement.pdf._ --- # Hutchison Rodway Insurance - Financial Advice Provider Public Disclosure Statement ## Licence status and conditions Hutchison Rodway Limited, FSP28941 trading as Hutchison Rodway holds a financial advice provider licence, issued by the Financial Markets Authority, to provide financial advice. It is a condition of our licence that we, together with any person giving advice on our behalf, can only provide advice on general insurance products. ## Nature and scope of financial advice service We engage financial advisers to provide financial advice on general insurance products on our behalf. These are policies that insure your personal or business assets or protect you or your business assets, liabilities and business income. We are not able to provide advice on personal income protection or investment policies but are able to refer you to associates who are licensed to provide advice on such products. We have access to most insurance markets in New Zealand (excluding direct Insurers) along with access to overseas markets as required. A list of the types of general insurance we can provide financial advice on and the product providers who provide such insurance products can be found listed in our Scope of Cover documents. ## Fees, expenses or other amounts payable We do not charge a fee for the advice given to you but may charge a fee for implementing that advice. This fee will be based on the amount of work and time required to provide and implement our advice to you and will be shown on our invoice to you, payable on payment of your premium. The amount of this fee will be disclosed either at the time we know the scope and nature of the advice required or when we provide our advice to you. ## Premium funding Premium funding products enable you to pay the insurance premium over the term of your policy by instalments rather than as one amount. Premium funders charge interest and they take a power of attorney over your insurance policy this means they have the ability to cancel your insurance policy if you fail to pay an instalment. We (or our shareholders) own Hutchison Rodway Limited, a premium funding company. This company may fund your premium allowing you to spread the payments over the term of your policy. If you enter into a premium funding arrangement with this company we will receive a commission of 8% of the amount they fund. The amount of this commission will be disclosed to you when we know the scope and nature of the advice required and whether you intend to utilise the services of a particular premium funder. This commission will be paid to us directly from the premium funder. ## Conflicts of interest and commissions or other incentives We are a member of Steadfast NZ Limited (Steadfast). Steadfast supplies technology platforms, management, marketing, professional, technical, and buying benefits and services to support us in providing our financial advice services. Steadfast has arrangements with insurance companies under which Steadfast receives a professional services fee of up to 1.5% of the premium paid for each policy arranged by us with those insurers. Steadfast may also receive a fee of 0.5% of any amount a customer has funded through a premium funder. These payments are used to operate Steadfast. A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute, including in respect of liability. In this instance the adviser would clearly disclose the conflict of interest to the clients and would refer one of these clients to another of our financial advisers for further advice and assistance. We manage all conflicts of interest, ensuring our financial advisers prioritise your interests above their own, by following an advice process that ensures our recommendations are made on the basis of your needs and circumstances. All of our financial advisers complete training to understand and manage conflicts of interest. We maintain a register of conflicts of interests and any gifts and other incentives that we may receive. We review our compliance programme annually. ## Duties Hutchison Rodway Limited and our financial advisers are bound by the following duties under the Financial Markets Conduct Act 2013 to: - meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and - give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and - exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and - meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. ## Complaints If you are unhappy with our financial advice service please contact your financial adviser so he or she can try to put things right. If you wish to make a complaint, or do not feel comfortable discussing your concerns with your adviser, you can contact us as follows: - Call us on (09) 479 1071 between the hours of 9am – 5pm week days - Email us at info@hutchrod.co.nz - Write to us at PO Box 100 461, Mairangi Bay, Auckland 0745 addressing your letter to the attention of Complaints Manager. ## How your Complaint will be handled Your adviser will attempt to resolve any issue of dissatisfaction with you immediately. If the matter cannot be resolved to your satisfaction, the adviser will escalate the complaint to his or her manager, notifying you accordingly. We will send you an acknowledgement of your complaint within five working days of your complaint being notified to us. This letter will provide you with our timeline to respond to you and the name of the manager who will be managing our response. The manager will investigate and contact you to try to resolve the complaint to your satisfaction. It is important that you provide this person with all relevant information. We will provide you with a written update within 20 working days of receiving your complaint. If we are unable to provide a full response to you at that point, our letter will explain why we are not yet in a position to do so and tell you when we will next contact you. 40 working days after the receipt of your complaint we will issue a final resolution. If we need to continue our review past this point, we will explain to you the reason for the delay and the required timeframe to provide a full response. At this point, if you feel that the delay is unsatisfactory, you can redirect your complaint to our external dispute resolution service provider detailed below. ## If we are unable to resolve your complaint We expect that our response to you will have addressed the concerns you have raised. If you feel that your concerns have not been appropriately considered, we invite you to submit any further information for consideration. If we are unable to resolve your complaint despite our best efforts, you can contact our external dispute resolution scheme, who provides a free and independent dispute resolution service. The contact details for our external dispute resolution service provider are: **Insurance & Financial Services Ombudsmen** PO Box 10-845, Wellington, 6143 Phone: (04) 499 7612 or Freephone 0800 888 202 Email: info@ifso.nz Website: WWW.ifso.nz ## Contact details Hutchison Rodway Limited (FSP28941), trading as Hutchison Rodway is the Financial Advice Provider. We can be contacted as follows: PO Box 100 461, Mairangi Bay, Auckland 0745 Phone: (09) 479 1071 Email: info@hutchrod.co.nz --- ## https://financeadvisers.co.nz/api/provider/FSP29641/disclosure.md > _Markdown transcription of Craigs Investment Partners Limited's Public Disclosure Statement, version 2026-05-18. Source: https://cdn.craigsip.com/media/uploads/2023/06/15141229/financial-advice-provider-disclosure-statement.pdf._ --- # Financial Advice Provider Disclosure Statement This Disclosure Statement provides you important information about Craigs Investment Partners Limited as a financial advice provider. This Disclosure Statement is a public disclosure statement and was prepared on 1 April 2026. ## 1. Licence status and conditions We ("Craigs Investment Partners Limited", "CIPL", "our" and "us") hold a financial advice provider ("FAP") licence issued by the Financial Markets Authority to provide financial advice services. We outline our details below: | Field | Details | |-------|---------| | FAP name | Craigs Investment Partners Limited | | Postal address | PO Box 13155, Tauranga Central, Tauranga 3141 | | Freephone number | 0800 272 442 | | Telephone number | +64 (7) 577 6049 | | Email | headoffice@craigsip.com | ## 2. Nature and scope of financial advice service Under our FAP licence, we and our Craigs Investment Partners Advisers are authorised to provide financial advice on financial products including, but not limited to, equities, bonds and other fixed income investments, managed funds, KiwiSaver and superannuation savings. We are also able to provide investment planning services and discretionary investment management services ("DIMS"). All services provided to clients are subject to our Terms and Conditions (as amended from time to time). ## 3. Duties information Craigs Investment Partners and any Craigs Investment Partners Advisers giving financial advice on our behalf are subject to certain obligations contained in the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services. These obligations mean that we are required to: - meet certain competency, knowledge, and skill requirements; - meet ethical, conduct, and client care standards; - give your interests priority; - ensure our financial advice is not materially influenced by our own interests; and - exercise care, diligence, and skill when providing financial advice to you. ## 4. Fees, expenses, or other amounts payable The following charges may apply on the services we provide: ### Brokerage Brokerage fees are incurred when purchasing and selling securities and are based on the value of the transaction. Brokerage fees vary depending upon the security being traded and the exchange they are traded on. A minimum Brokerage fee applies for each market. Any agency fees are included in the Brokerage fees. A trade levy may be charged in addition to Brokerage for trades on the New Zealand Stock Exchange. Additional transaction fees up to 1% including levies and taxes (e.g. stamp duties) will be added to Brokerage fees, where they are charged. All Brokerage, agency and transaction fees are payable on settlement of each transaction. Minimum fees are available on request. ### Service Fee A Service Fee is charged for the administration, monitoring and reporting of your portfolio and where applicable the advice provided by your Craigs Investment Partners Adviser. An annual fee based on the market value of your portfolio (excluding cash and term deposits), will be charged. Service Fees are calculated at the end of each calendar quarter and are payable quarterly in arrears in the month following the end of each calendar quarter. A minimum fee applies. ### Superannuation, KiwiSaver and mySTART® Entry, Exit, Custodial and Management fees may apply on the Craigs KiwiSaver Scheme, the Craigs Superannuation Scheme, the Craigs Investment Partners Superannuation Scheme (superSTART) and mySTART® Service. For specific details please refer to the latest Product Disclosure Statement or mySTART® brochure. ### Foreign Exchange No fixed fee is charged in relation to providing foreign exchange services, although we may earn a margin of up to 1.25% on any foreign exchange transaction we undertake for you. The margin will be the difference (if any) between the exchange rate that we provide to you for the transaction (the "client rate") and the exchange rate provided to us by the transacting bank for that foreign exchange transaction (the "wholesale rate"). ### Cash Management Accounts A commission may be charged by Custodial Services Limited to the respective bank where a deposit has been made through the Cash Management Account(s). If charged, this commission is taken into account in setting the interest rate(s) paid on a Cash Management Account. All costs of administering the Cash Management Accounts by Custodial Services Limited are met from the commission charged by it (though transaction fees may be imposed in certain circumstances). The current rates of commission in respect of the Cash Management Accounts are calculated on a tiered rate up to a maximum of 1.25% per annum calculated on the actual balance on the account. Please note this is a maximum and does not necessarily reflect the amount charged at any point in time. Further information on the rates of commission and rates of gross interest may be obtained from your Craigs Investment Partners Adviser. A break fee of $30 may be applied for the early redemption of a term deposit. ### Investment Fund Fees Fees and expenses, including performance fees that may be charged by the manager and/or trustee of an investment fund will be reflected in the investment fund's unit price and may therefore indirectly affect your returns. For specific details please refer to the offer documentation of the relevant investment fund. ## 5. Conflicts of interest, remuneration, commissions or other incentives ### Conflicts of interest For the purposes of the Financial Markets Conduct Act 2013, a conflict of interest means any interest of Craigs Investment Partners, or any person connected with the advice provided which a reasonable client may find reasonably likely to materially influence our advice. We operate a conflicts of interest policy which is designed to identify potential conflicts that may exist and then ensure any actual or perceived conflict is managed in an appropriate manner (this is typically done by disclosing that conflict). The policy is constructed to ensure at all times we and our Craigs Investment Partners Advisers place the interests of our clients above our own interests. We manage any conflicts of interest by: - ensuring a range of investment options are available to clients; - requiring Craigs Investment Partners Advisers to provide adequate disclosures internally to our Compliance Team and to clients where a potential conflict exists; and - monitoring trading activities undertaken by Craigs Investment Partners Advisers to ensure that no trading occurs which could be detrimental to clients. We have the following relationships which may give rise to a conflict of interest: | Relevant Organisation | Description of Relationships | |----------------------|-------------------------------| | Alliance Cooperative Limited | We provide a market maker service to Alliance Cooperative Limited. | | CIP Nominees No.1 Limited | CIP Nominees No.1 Limited, a wholly owned subsidiary, is the nominee company for the mySTART® Service. | | Craigs Investment Partners Superannuation Management Limited ("CIPSML") | CIPSML, a wholly owned subsidiary, is the manager of the Craigs KiwiSaver Scheme and Craigs Superannuation Scheme. | | Custodial Services Limited ("CSL") | CSL, a wholly owned subsidiary, provides custodial and cash management services to our clients as well as a number of clients independent of us. | | Fonterra Co-operative Group Limited | We are a Designated Market Maker for the shares of Fonterra Co-operative Group Limited. | | J.P. Morgan Asset Management ("JPMAM") | We have formed a strategic partnership with JPMAM to further develop our investment capabilities and insights by directly accessing JPMAM's global capabilities and expertise. | | J.P. Morgan Securities Australia Limited ("JPM") | We have formed a strategic alliance with JPM which is designed to offer a broader range of products and services to our respective corporate and private wealth clients. | | Raymond James Financial Inc ("Raymond James") | We have formed a strategic partnership with Raymond James to further develop our investment capabilities and insights by directly accessing Raymond James' global capabilities and expertise. | | Smartshares Limited ("Smart") | We are a Designated Market Maker for the Smart Exchange Traded Funds. We and Craigs Investment Partners Advisers may offer certain managed investment products issued by Smart (a wholly owned subsidiary of NZX Limited) to our clients. CIPL has a product support and distribution arrangement with Smart and may receive financial benefits for the distribution of Smart managed investment products. | | TA Associates Management L.P. ("TA Associates") | CIPL's ultimate holding company Crown TopCo Limited is 50% owned by Crown UK TopCo Limited and 50% owned by current and former CIPL employees and directors via a shareholding in CIP Holdings No.2 Limited ("CIPH2"). Crown UK TopCo is owned by funds managed by TA Associates, a global private equity firm. CIPL's 50% indirect ownership by funds managed by TA Associates could influence CIPL to favour securities that funds managed by TA Associates have interests in as a result of those funds' ownership of other companies or entities. Craigs Investment Partners clients are not restricted to such securities which are some amongst many investment options available. CIPL does not receive any additional financial benefits for distributing funds managed by a company or entity that funds managed by TA Associates have interests in. As a result of the 50% indirect ownership of CIPL by funds managed by TA Associates, employees of TA Associates act as directors of CIPL ("TA Directors"). The TA Directors may have personal investments in funds managed by TA Associates. These funds are invested in CIPL indirectly and other companies and entities noted in the Company Disclosures List which manage funds that clients may invest in. Consequently, the TA Directors may derive financial benefits from their investments in these funds. The TA Directors are not directly involved with the investment decisions for Craigs Investment Partners clients. | | Zespri Group Limited | We provide a market maker service to Zespri Group Limited. | We or a Prescribed Person (as defined in the NZX Participant Rules) may, from time to time, hold securities, which are the subject of advice given to you. These holdings may constitute a threshold interest in the security, recommended to you or which you may buy or sell. A threshold interest is an interest that exceeds $250,000 NZD, or equivalent value, of the security on issue. ### Remuneration, commissions or other incentives Revenue may come from fees, Brokerage and margins earned by us. The type and potential levels of revenue are set out below: | Relevant Organisation | Potential Conflict of Interest | |----------------------|--------------------------------| | Alliance Cooperative Limited | We receive a fee for providing a market maker service to Alliance Cooperative Limited. | | Craigs Investment Partners Superannuation Management Limited ("CIPSML") | We receive a fee from CIPSML for the provision of administration, investment management and registry services provided under a services agreement between us and CIPSML (in relation to the Craigs Investment Partners Superannuation Scheme "superSTART", Craigs Superannuation Scheme and the Craigs KiwiSaver Scheme). | | Custodial Services Limited ("CSL") | We receive a fee from CSL for the provision of management, administration, and operational support and services under a services agreement between us and CSL in relation to the cash management services and custodial services for our clients. Craigs Investment Partners receive a share of any commission charged by CSL in relation to Cash Management Accounts. | | Karaka Management Limited ("Karaka") | We receive an administration services fee of 0.25% p.a. from Karaka based on the committed or invested capital in the Karaka Private Equity Fund. | | Kowhai Private Equity No 1 LP ("Kowhai") Kowhai Private Equity No 4 LP | We receive an administration services fee of 0.25% p.a. from Kowhai based on the committed or invested capital in Kowhai. | | NZ Social Infrastructure Fund ("NZSIF") | We receive management fees of 0.25% from NZSIF based on the committed or invested capital in NZSIF. | | J.P. Morgan Securities Australia Limited ("JPM") | We have formed a strategic alliance with JPM which is designed to offer a broader range of products and services to our respective corporate and private wealth clients. | | Raymond James Financial Inc ("Raymond James") | We have formed a strategic partnership with Raymond James to further develop our investment capabilities and insights by directly accessing Raymond James' global capabilities and expertise. | | Smartshares Limited ("Smart") | We are a Designated Market Maker for the Smart Exchange Traded Funds. We and Craigs Investment Partners Advisers may offer certain managed investment products issued by Smart (a wholly owned subsidiary of NZX Limited) to our clients. CIPL has a product support and distribution arrangement with Smart and may receive financial benefits for the distribution of Smart managed investment products. | | TA Associates Management L.P. ("TA Associates") | CIPL's ultimate holding company Crown TopCo Limited is 50% owned by Crown UK TopCo Limited and 50% owned by current and former CIPL employees and directors via a shareholding in CIP Holdings No.2 Limited ("CIPH2"). Crown UK TopCo is owned by funds managed by TA Associates, a global private equity firm. CIPL's 50% indirect ownership by funds managed by TA Associates could influence CIPL to favour securities that funds managed by TA Associates have interests in as a result of those funds' ownership of other companies or entities. Craigs Investment Partners clients are not restricted to such securities which are some amongst many investment options available. CIPL does not receive any additional financial benefits for distributing funds managed by a company or entity that funds managed by TA Associates have interests in. As a result of the 50% indirect ownership of CIPL by funds managed by TA Associates, employees of TA Associates act as directors of CIPL ("TA Directors"). The TA Directors may have personal investments in funds managed by TA Associates. These funds are invested in CIPL indirectly and other companies and entities noted in the Company Disclosures List which manage funds that clients may invest in. Consequently, the TA Directors may derive financial benefits from their investments in these funds. The TA Directors are not directly involved with the investment decisions for Craigs Investment Partners clients. | | Pohutukawa Private Equity V Limited | We receive an administration services fee of 0.125% based on the invested capital of the Pohutukawa V Fund. | | Pohutukawa Private Equity VI Limited | We receive an administration services fee of 0.125% based on the invested capital of the Pohutukawa VI Fund. | | Zespri Group Limited | We receive a fee for providing a market maker service to Zespri Group Limited. | We may receive management fees, advisory fees, commissions, underwriting and firm commitment fees for providing services to the issuer of securities in relation to public offerings, capital raisings and corporate activity. We or an associated person may receive remuneration, directly or indirectly, from a person other than yourself as an investor where we or an associated person have a direct or indirect pecuniary or other interest in connection with financial advice given to you or a transaction resulting from the financial advice given to you. Staff, who are shareholders in CIPH2, will receive any distributions paid by CIPH2 to its shareholders in respect of revenue earned by CIPL and its' related companies. Craigs Investment Partners Advisers who are shareholders of CIPH2 could potentially receive benefit from clients who invest in products offered by CIPL and its' related companies. Any dividends paid by CIPH2 have no effect on the financial advice provided to you. ## 6. Complaints process If you have a complaint or expression of dissatisfaction in connection with any of the services that we have provided, you should, in the first instance, promptly (in writing and/or verbally) detail the particulars of the matter to your Craigs Investment Partners Adviser. Alternatively, you can put your complaint in writing to the Head of Compliance & Risk using the following contact details: | Contact Method | Details | |----------------|---------| | Postal address | Craigs Investment Partners Limited, Attention: Head of Compliance & Risk, PO Box 13155, Tauranga Central, Tauranga 3141 | | Telephone number | +64 (7) 577 6049 | | Email | compliance@craigsip.com | We have an internal complaints procedure to ensure all complaints are dealt with properly. We will: 1. Acknowledge receipt of the complaint within two business days of receipt of the complaint. 2. Ensure that the complaint receives proper consideration. 3. Act in good faith in dealing with the complaint. 4. Obtain all relevant information to investigate the complaint. 5. Communicate the determination and any remedies to you no later than 20 business days after receipt of the complaint. ## 7. Dispute resolution process We will try to resolve your complaint in good faith. If the complaint is not resolved to your satisfaction using our internal complaints process, you can access a free, independent resolution service, and that service may help investigate or resolve your complaint. We are a member of Financial Services Complaints Ltd, a Financial Ombudsman Service. You can contact Financial Services Complaints Ltd at: | Contact Method | Details | |----------------|---------| | Postal address | Financial Services Complaints Ltd, PO Box 5967, Lambton Quay, Wellington 6145 | | Telephone | +64 (4) 472 3725 or call free on 0800 347 257 | | Email | complaints@fscl.org.nz | We are regulated by NZ RegCo and the Financial Markets Authority. If you are dissatisfied with our service you may also contact NZ RegCo or the Financial Markets Authority at: ### NZ RegCo | Contact Method | Details | |----------------|---------| | Postal address | NZ RegCo, Chief Executive Officer, PO Box 2959, Wellington 6140 | | Email | participant@nzregco.com | | Telephone | +64 (4) 472 7599 | ### Financial Markets Authority | Contact Method | Details | |----------------|---------| | Email | questions@fma.govt.nz | | Telephone | +64 (3) 962 2698 or call free on 0800 434 566 | --- ## https://financeadvisers.co.nz/api/provider/FSP29824/disclosure.md > _Markdown transcription of Emerre & Hathaway Insurances Limited's Public Disclosure Statement, version 2026-05-23. Source: https://www.ehinsurance.co.nz/wp-content/uploads/2025/10/eh-disclosure-guide-25-10.pdf._ --- # Information & Disclosure Guide ## Important Information About Your Quote We have prepared this information to help you understand how your insurance quote has been developed and your obligations under New Zealand insurance law. At Emerre & Hathaway Insurance Brokers, we want you to feel confident and informed about your insurance options. The details below explain your responsibilities, how insurers assess risk, and the disclosures we are required to make. Taking a few minutes to read through this helps ensure your cover is accurate, fair, and fully compliant. **OCTOBER 2025** --- ## Your Duty of Disclosure When applying for insurance, you have a legal duty of disclosure under the Insurance Contracts Act and the Financial Markets Conduct Act 2013 (FMCA). You must tell us anything that could influence an insurer's decision to insure you or the terms they apply. ### Examples of material facts include: - Disclosing previous insurance history: Notify us if you ever had any insurance declined, cancelled, renewal refused, special terms imposed, or a claim declined. - Non-standard property construction (e.g. flat roofs, monolithic cladding) - Flooding, erosion, landslip or subsidence on or near your property - Council hazard or land-category notices - Business activity at home or on the property - Vehicle modifications or performance upgrades - Any criminal convictions or driving offences (if relevant) - Areas of your house that are not consented **Failure to disclose these details may result in your policy being cancelled or a claim being declined.** All information you provide is treated confidentially and used solely to assess your insurance needs. --- ## Property & Land Risk Disclosure Insurers now review property risk based on council-issued land categorisation, and other risk based management systems. If your home or section has been assigned a hazard category (for example, flood, slip, inundation, subsidence, or erosion risk), this is a material fact and must be disclosed. You can check your Record of Title and any hazard entries using the official LINZ portal: [Land Records Search – LINZ](https://www.linz.govt.nz/) Your quotation is based on your property not being categorised as at risk from natural hazards and no notations being recorded on the Record of Title. --- ## Sum Insured Responsibility The onus is on the homeowner to ensure the sum insured is sufficient. The house sum insured should cover the cost of: - Demolishing the existing structure - Removing debris - Obtaining council consents - Paying professional fees (architects, engineers, etc.) - Rebuilding the house and any outbuildings to their original size and standard prior to loss While we can provide general guidance to help you assess your sum insured, this is only a guide and we cannot be responsible for its accuracy. We recommend using an online calculator, such as the Cordell Sum Sure Calculator, or obtaining a current registered insurance valuation or quantity surveyor's report for a more precise assessment. [Cordell Sum Sure Calculator – CoreLogic NZ](https://www.corelogic.co.nz/) --- ## Our Commitment to You We operate under a Financial Advice Provider (FAP) licence issued by the Financial Markets Authority (FMA). This means we must: - Act with integrity, care, diligence, and skill (Code Standard 1) - Always act in your best interests (Code Standard 2) - Recommend only suitable products for your circumstances (Code Standard 3) - Disclose all fees, commissions, and conflicts of interest (Code Standard 5) Our 22-strong team includes seven fully qualified insurance brokers, recognised for their expertise across domestic, commercial, and rural insurance — all backed by a dedicated local claims department. You can contact us directly — no call centres. **Phone: (06) 867 9811 or 0800 428 429** --- ## Paying Your Premium ### Prefer to pay by instalments? We offer premium funding through E & H Financial Services Ltd, allowing you to spread payments weekly, fortnightly, or monthly. Please note that an establishment fee and interest charges apply. --- ## Insurer Financial Strength Ratings Under the Insurance (Prudential Supervision) Act 2010, we are required to make insurer financial strength ratings available to you. You can view them here: [Insurer Financial Strength Ratings](https://www.fma.govt.nz/) --- ## Our Disclosure & Terms of Trade Before we provide personalised advice, please review our Disclosure Statement and Terms of Trade. You can view them here: [Disclosure Statement and Terms of Trade](https://ehinsurance.co.nz/) --- ## Ready to Get Started? We will tailor your insurance to suit your lifestyle, property, and budget. Because every situation is unique, quotes are available only once we receive your full details. --- ## Quick Summary ### You Must Tell Us About - All material facts that affect your risk - Any changes to your property or occupation - Past claims or policy cancellations - Council hazard or category notices ### We Will Tell You About - Our Financial Advice Provider disclosure - Insurer financial strength ratings - All fees, commissions & charges - Our Terms of Trade and scope of service --- **Protecting homes, businesses, and families across Gisborne for over 40 years.** **Emerre & Hathaway Insurance Brokers** 183 Carnarvon Street, Gisborne 4010 | Phone: 0800 428 429 | Web: ehinsurance.co.nz --- ## https://financeadvisers.co.nz/api/provider/FSP29962/disclosure.md > _Markdown transcription of Insurance Brokers Alliance Limited's Public Disclosure Statement, version 2026-05-18. Source: http://www.ibal.co.nz/uploads/1/2/2/7/122778216/disclosure_document_-_ibal_ds-ibal_v3_11_24.pdf._ --- # INSURANCE BROKERS ALLIANCE LIMITED DISCLOSURE STATEMENT ## Who are we? **Name of Financial Adviser Provider:** Insurance Brokers Alliance Limited **Trading names:** Insurance Brokers Alliance Limited **Telephone Number:** 03 211 3018 **Address:** Level 1, 33 Gala Street, Invercargill 9840 **Email address:** admin@ibal.nz **Website:** www.ibal.nz ## It is important that you read this information It will help the client (You) make an informed decision whether Insurance Brokers Alliance Limited, (We) and our advisers' financial advice and products are suitable for your needs and whether to seek, follow or accept the Financial Advice. This Disclosure Statement is required under the Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendment Regulations 2020. ## What sort of Advisers are we? We are a licensed Financial Advise Provider by the Financial Market Authority of New Zealand (FMA). The Financial Services Legislation Amendment Act 2019 requires us 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 [fsp-register.companiesoffice.govt.nz/](fsp-register.companiesoffice.govt.nz/) and search our Financial Service Provider (FSP) number **FSP29962**. As a Licensed Financial Advice Provider we have Standard Conditions on our license. These conditions are not specific to us and does not limit or restrict advice that may be given. ## What Financial Advice can we provide to you? We and our advisers give Financial Advice on Insurance Products for Retail and Wholesale 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 on the link [www.rbnz.govt.nz/regulation-and-supervision/insurers/licensing/register](www.rbnz.govt.nz/regulation-and-supervision/insurers/licensing/register). Insurance Brokers Alliance Limited's insurance product providers are required to have financial strength ratings with a minimum of **A and above**. When you receive a quote from us you will be supplied the current strength ratings for the product providers we have quoted for. If you accept the financial advice, we will supply a current rating for the product provider you have selected. ## Limitations and restrictions We are committed to providing you with good financial advice that is suitable for your needs. We only provide financial advice on Insurance Products. ## What fees do we charge? We may charge fees that are payable by you 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 you choose to accept and purchase. The total fees payable may increase with the number of insurance policies you choose to purchase. ## How do we act with Integrity? To ensure that we and our advisers prioritise your interests above our own, we follow an advice process to ensure recommendations are made on the basis of your individual goals and circumstances. Our advisers complete annual and ongoing training about how to manage conflict of interests. A register of interests is maintained which we monitor and provide additional training where necessary. We perform an annual review of our compliance programme. You should be aware there are potential conflicts of interest you may need to take into consideration when you decide to seek and accept financial advice from our advisers. We will make you aware of any conflicts when giving advice. ## How do we get paid for the Financial Advice and Products we provide to you? We and our Advisers **do not receive** any commission or other incentives for giving Financial Advice. We **do receive** commission 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 you purchase. **The commission paid to Insurance Brokers Alliance can be between the range of 0-30% of the Insurer portion (total premium of the Insurance Policy less government levies and taxes).** ### NZbrokers Management Limited We are a member of NZbrokers Management Limited. NZbrokers Management Limited provides services such as IT, education, training, technical insurance product, claims support and group member benefits to us. When you accept our financial advice and purchase a policy, NZbrokers may 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 in deciding whether to seek or obtain advice from us or our Advisers. ## How to make a Complaint? If you have a problem, concern, or you are dissatisfied with either a product or financial advice service provided by one of our Advisers and you require action to be taken, please tell us so we can help resolve the issue. Please contact us directly or feel free to use our Complaints Process, which you will find at www.ibal.co.nz/compliments-complaints.html. If a complaint is received by us, we will approach all complaints with an open mind, listen and treat you as an individual, 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 Complaints Manager. You will receive a written decision, remedies, and resolution as soon as practicable after an internal investigation has been completed. ## What to do if you are not satisfied after making a Complaint? If you feel your complaint is not resolved to your satisfaction using our complaints process, or you are unsatisfied with the response or resolution, you can contact **Financial Services Complaints Ltd (FSCL)** – A Financial Ombudsman Service. FSCL is our independent external ombudsman and dispute resolution service that has been approved by the Minister of Consumer Affairs under the Financial Service Providers (Registration and Dispute Resolution) Act 2008. FSCL is a dispute resolution scheme that we are a member of. 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 FSCL [www.fscl.org.nz/complaints/how-make-complaint](www.fscl.org.nz/complaints/how-make-complaint) You can contact (FSCL) at: **Postal Address:** P.O. Box 5967, Wellington 6145 **Email:** complaints@fscl.org.nz **Telephone:** 0800 347 257 **Website:** www.fscl.org.nz ## What are our Advisers' duties? Our Advisers give financial advice to clients on behalf of Insurance Brokers Alliance Limited. When giving advice all 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 and have ethical behaviour, good conduct and provide client care. [www.mbie.govt.nz/assets/a96d1b4800/code-of-professional-conduct-for-financial-advice-services.pdf](www.mbie.govt.nz/assets/a96d1b4800/code-of-professional-conduct-for-financial-advice-services.pdf) - Listen to you carefully to discover your needs. - Recommend products or services that meet your needs and explain why. - Give clear and concise communication. - Protect your information. - Give priority to your 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 at: [www.fma.govt.nz/contact/](www.fma.govt.nz/contact/) or email questions@fma.govt.nz but if you want to make a complaint you should 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:** 26/11/2024 --- ## https://financeadvisers.co.nz/api/provider/FSP30002/disclosure.md > _Markdown transcription of Abbott Insurance Brokers Auckland Limited's Public Disclosure Statement, version 2026-05-18. Source: https://abbott.co.nz/wp-content/uploads/2021/04/Financial-Advice-Provider-Disclosure-Statement-15-March-2021-1.pdf._ --- # Financial Advice Provider Disclosure Statement ## Licence status and conditions Abbott NZ Holdings Limited FSP704491 (Abbott, we, our), trading as Abbott Insurance Brokers and Abbott Life and Health, holds a licence issued by the Financial Markets Authority to provide financial advice. The Authorised Bodies under this licence are: * Abbott Insurance Brokers Auckland Ltd * Abbott Insurance Brokers Christchurch Ltd * Abbott Insurance Brokers Hamilton Ltd * Abbott Insurance Brokers Nelson Marlborough Ltd * Abbott Insurance Brokers Rangiora Ltd * Abbott Insurance Brokers Southern Ltd * Abbott Insurance Brokers Wellington Ltd * Abbott Life and Health (2015) Ltd * Abbott Management Ltd * Abbott Underwriting Agency Holdings Ltd * B & A Insurance Ltd * IC Frith Life & Health Ltd Our licence requires us to: * Keep records of all financial advice. * Have an internal process for resolving client complaints. * Comply with all financial markets conduct regulations, such as disclosing information to clients and reporting to regulatory authorities. ## Nature and scope of advice We engage financial advisers under our Authorised Bodies to provide financial advice on the following: * General insurance (commercial assets and liabilities and personal assets and liabilities) * Life and health insurance * KiwiSaver * Investments * Retirement planning * Mortgage and lending planning ### General insurance General insurance policies insure your personal or business assets, business income, and your personal and business liabilities. We have access to most insurance markets in New Zealand (excluding insurers that do not accept insurance through insurance brokers), along with access to overseas markets as required. The specific types of general insurance individual advisers can advise on may vary. ### Life and health insurance Life and health policies insure you as an individual, personally and within your business, for death, accident or illness. This is to help protect you, your business and family e.g. your ability to service any debt, provide funds for your estate, gain access to medical treatment or take time off work, and protect your business and your personal income. We have access to the major insurers in the New Zealand market. We can provide advice in relation to the following life and health insurance products. * ACC CoverPlus Extra * Accidental Death * Business Expenses * Debt Protection * Group Medical Insurance * Group Risk Insurance * Income Protection * Life Cover * Loss of Key Person/Loss of Revenue * Mortgage Protection * Private Medical Cover * Redundancy * Shareholders Cover * Terminal Illness * Total & Permanent Disability * Trauma Cover/Severity Based Trauma Covers * Waiver of Premium The specific types of life and health insurance individual advisers can advise on may vary. ### Investments, KiwiSaver and lending KiwiSaver helps you accumulate funds for a deposit on your first home and/or build funds for your retirement. Longer term investing helps you build a diversified portfolio to achieve your financial goals or retirement. Lending helps you with the purchase of property and assets. We have access to the main banks and second tier lenders. We can provide advice in relation to the following investment and lending products. * Car loans * Commercial loans * Extended vehicle warranty products * Home loans * Investments * KiwiSaver * Personal loans * SimpleWills The specific types of products individual advisers can advise on may vary. ## Fees and expenses ### General insurance If you take our advice and we place insurance on your behalf, we may charge a fee for implementing that advice and to maintain a high level of service to you throughout the policy period. A documentation fee will be included in your policy charge. The amount of any fee will be disclosed when we provide advice to you. There is no cost to you if you choose not to take our advice. ### Life and health insurance We receive commission from the providers of products we recommend but, on occasion, some providers may not pay a commission. In this situation, we may charge fees. If a fee will apply to the advice we provide, we will advise you before providing any advice so you may choose whether you wish to proceed on that basis. ### KiwiSaver and lending The following service fees apply. * KiwiSaver membership fees are paid to Abbott NZ Holding Limited by provider. * Fees can be added to your loan amount and will be paid to Abbott at the time your loan is advanced. ## Conflicts of interest and commissions or other incentives We manage all conflicts of interest, ensuring our financial advisers prioritise your interests above their own by following an advice process that ensures our recommendations are made on the basis of your needs and circumstances. All of our financial advisers complete training to understand and manage conflicts of interest. We maintain a register of conflicts of interests and any gifts and other incentives that we may receive. We review our compliance programme annually. ### General insurance We will receive commission from the insurance companies on whose policies we give advice. If you decide to take out a policy, the insurer will pay us commission based on the premium that you pay. We are a member of Steadfast NZ Limited (Steadfast). Steadfast supplies technology platforms, management, marketing, professional, technical, and buying benefits and services to support us in providing our financial advice services. Steadfast has arrangements with insurance companies under which Steadfast receives a professional services fee of up to 1.5% of the premium paid for each policy arranged by us with those insurers. These payments are used to operate Steadfast. A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute, including in respect of liability. In this instance the adviser would clearly disclose the conflict of interest to the clients and would refer one of these clients to another of our financial advisers for further advice and assistance. ### Premium funding Premium funding enables you to pay the insurance premium over the term of your policy by instalments rather than as one amount. Premium funders charge interest, and they take a power of attorney over your insurance policy, which means they have the ability to cancel your insurance policy if you fail to pay an instalment. We own the following premium funding companies, Abbott Premium Funding Company Limited and Endeavour Premium Finance Limited. Our premium funding companies may advance your premium allowing you to spread the payments over the term of your policy. If you enter into a premium funding arrangement with either of our companies, we will receive an interest component as disclosed in your premium funding documentation, and as per our disclosure obligations under the Credit Contracts Act. ### Life and health insurance We receive commission from the insurance companies whose policies we recommend. If you decide to take out the insurance we recommend, the insurer will pay commission to Abbott and/or the financial adviser who provider the advice. The amount of commission is based on the amount of premium associated with the insurance, which will be disclosed when the advice is given. ### Mortgages and lending We receive commission from some of the lenders we can provide mortgage recommendations for. If you proceed to implement the lending with the lender recommended to you, the lender will pay a commission to your financial adviser. The amount of the commission is based on the amount of the lending and specific remuneration will be advised to you when the advice is provided. ## Complaints process and dispute resolution ### Internal complaints process If you have a problem, concern or complaint about our service, please tell us so that we can try to put things right. Our contact details are: * complaints@abbott.co.nz * 0800 238 473 * Abbott Feedback, PO Box 3086, Christchurch 8140 Our internal complaints process is as follows: * We will consider your complaint and let you know how we intend to resolve it. We may need to contact you for additional information. * We aim to resolve complaints within 20 business days of receiving them. If we cannot resolve the issue, 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. ### Dispute resolution If you feel we have not resolved your complaint satisfactorily despite our best efforts, you may refer your complaint to Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service. FSCL is our independent external ombudsman and dispute resolution service that has been approved by the Minister of Consumer Affairs under the Financial Service Providers (Registration and Dispute Resolution) Act 2088. FSCL's service is free of charge to you. The contact details for FSCL are: Financial Services Complaints Limited (FSCL) PO Box 5967, Wellington 6145 0800 347 257 complaints@fscl.org.nz www.fscl.org.nz ## Duties information Our financial advisers have duties under the Financial Markets Conduct Act 2013 relating to the way we give advice. We are bound to: * Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice. * Give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice. * Exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances. * Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. ## Contact details 128 Kilmore Street, Christchurch 8013 PO Box 3086, Christchurch 8140 0800 238 473 enquiries@abbott.co.nz --- ## https://financeadvisers.co.nz/api/provider/FSP30301/disclosure.md > _Markdown transcription of The New Zealand Home Loan Company Limited's Public Disclosure Statement, version 2026-05-24. Source: https://nzhl.co.nz/disclosure-statement/._ --- # Financial Advice Provider Disclosure Statement ## Licensing Information The New Zealand Home Loan Company Limited (**NZHL**, **we**, **us**) (FSP30301) holds a licence issued by the Financial Markets Authority to provide a financial advice service. NZHL also operates via franchises (**Franchises**) which are authorised under NZHL's licence to provide financial advice services. This disclosure statement relates to both NZHL and its Franchises. The NZHL financial advisers work for us or relevant Franchises. NZHL operates from two locations: 2/30 Ponsonby Road, Auckland, 1011 and L1, 903 Victoria Street, Hamilton, 3204. Contact us via email at [email protected] or call us on 0800 332 837. You can find information on the Franchises, their locations and how to contact them on our website at https://nzhl.co.nz/find-us/ --- ## Scope of Advice / Products NZHL and our Franchises provide financial advice services through our advisers on the products of the following lenders and insurers: - **Loans –** New Zealand Home Loan products (provided by Kiwibank), ASB Bank, and Liberty Financial. - **Insurance –** personal insurance from NZHL Life (provided by Fidelity Life), Fidelity Life, AIA, nib, and Partners Life. The disclosure statements of a financial adviser you meet with will list the products they can advise on. --- ## Fees and Charges We do not charge anything when you come to us for consultation. For home loans we charge an application fee for new mortgage finance and for additional mortgage finance where the mortgage finance is approved and settled. There is no application fee for Insurance products. ### Home Loan Clawback We may be required to repay (in part or in full) the commission we receive from the lender in relation to your loan, if you repay or refinance your loan (in part or in full) within the first 24 months of your loan being advanced. We may charge you a fee to recover the value of that amount, up to a specified limit. ### Insurance Clawback We may be required to repay (in part or in full) the commission we receive from the insurer in relation to insurance you take out, if you cancel, reduce, or replace an insurance policy (or if the insurer cancels an insurance policy) within the first 24 months of the policy being issued. We may charge you a fee to recover the value of that amount, up to a specified limit. --- ## How We Are Paid (Commission Disclosures) **Loan:** Once your loan settles, NZHL will receive commission from the lender. The commission varies depending on the type of loan and the loan amount. This commission is shared with the Franchise and may be shared with your financial adviser. NZHL and the Franchise may continue to be paid an annual servicing commission for as long as your lending is active with NZHL. **Insurance:** Once your insurance policy is issued, NZHL receives commission from the insurer. The commission amount is based on the premium for the first year of your policy and depends on the insurance provider and the policy you choose. This commission is shared with the Franchise and may be shared with your financial adviser. NZHL and the Franchise will continue to be paid an annual servicing commission for as long as you hold the policy with the insurer. To manage those conflicts of interest, NZHL advisers select the loan or insurance provider based only on your needs and circumstances. They follow NZHL's advice process to ensure the advice is tailored to your individual needs. NZHL also provides regular training on how advisers can best manage any conflict of interest to ensure your needs are prioritised. --- ## Conflicts of Interest NZHL is owned by Kiwi Group Capital Limited (**KGC**). KGC also owns Kiwibank Limited who are a home loan provider for NZHL. NZHL owns NZHL Mortgage Advisory Limited who you may be referred to by us, a Franchise, or a financial adviser. NZHL also has a majority shareholding in Link Financial Group 2022 Limited. Link Financial Group 2022 Limited has a majority shareholding in Insurance Link General Limited ("FG Link") who you may be referred to by us, a Franchise, or a financial adviser. The Franchises are companies and operate as part of the NZHL network. They are not owned by KGC. To manage those conflicts of interest, NZHL advisers select the loan or insurance provider based only on your needs and circumstances. They follow NZHL's advice process to ensure the advice is tailored to your individual needs. NZHL also provides regular training on how advisers can best manage any conflict of interest to ensure your needs are prioritised. --- ## Ownership Disclosure | Entity | Relationship | |---|---| | Kiwi Group Capital Limited (KGC) | Owns NZHL | | Kiwibank Limited | Owned by KGC; home loan provider for NZHL | | NZHL Mortgage Advisory Limited | Owned by NZHL | | Link Financial Group 2022 Limited | Majority shareholding held by NZHL | | Insurance Link General Limited ("FG Link") | Majority shareholding held by Link Financial Group 2022 Limited | --- ## Complaints and Dispute Resolution Process Your feedback is very important to us. If you'd like to provide feedback or feel that we've let you down in any way, we'd like to know about it so we can do our best to resolve things. NZHL has a three-stage complaints process: 1. **Start with your NZHL Franchise –** If you have a problem or concern, please talk to your financial adviser or the Franchise they work for. NZHL Franchise contact details can be found on our website at https://nzhl.co.nz/find-us/. The Franchise will acknowledge your complaint within 2 working days and outline the next steps, with the aim of making a final decision within 10 working days of receiving your complaint. 2. **Escalate to NZHL Support Office –** If you are not happy with how your NZHL Franchise has proposed to resolve your complaint or handled your complaint, you can complete the NZHL complaints form at https://nzhl.co.nz/complaints/, email us at [email protected] or call us on 0800 332 837. This will escalate your complaint to the NZHL Support Office (as the licensed Financial Advice Provider) who will review your complaint and endeavour to find a resolution with you on behalf of the NZHL Franchise. We will acknowledge your complaint within 2 working days. NZHL aims to make a final decision within 10 working days of receiving your complaint. Sometimes more time will be required; however we will keep you updated throughout the process. 3. **External Dispute Resolution –** If you are still not happy with the resolution provided or with the way your complaint was handled by NZHL or the Franchise, you can refer your complaint to NZHL's nominated disputes resolution service, **Financial Services Complaints Limited (FSCL)**. ### Dispute Resolution Scheme: Financial Services Complaints Limited (FSCL) FSCL is a Financial Ombudsman Service and is **free** for NZHL and Franchise clients. | Contact Method | Details | |---|---| | Phone | 0800 347 257 | | Email | [email protected] | | Post | Financial Services Complaints Limited, PO Box 5967, Wellington 6140 | | Website | www.fscl.org.nz | --- ## Our Duties and Obligations NZHL, the Franchises, and anyone who gives financial advice on their behalf, have duties under the Financial Markets Conduct Act 2013 relating to that advice. They are required to: - give priority to your interests by taking all reasonable steps to make sure our advice isn't 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) --- *Note: Individual financial adviser disclosure statements are also available and will list the specific products each adviser can advise on. These are provided separately by the adviser you meet with.* --- ## https://financeadvisers.co.nz/api/provider/FSP30481/disclosure.md > _Markdown transcription of Rival Wealth Limited's Public Disclosure Statement, version 2026-05-18. Source: https://rivalwealth.co.nz/wp-content/uploads/2025/04/RIVAL-Wealth-Disclosure-Statement.pdf._ --- # RIVAL Wealth Limited ## Financial Services Provider Number FSP 30481 2 Michael Street, P O Box 59 Masterton Phone 06 370 4441 or 0800 474 825 Email info@rivalwealth.co.nz --- ## About Us RIVAL Wealth Limited is a Financial Advice Provider (FAP) licenced by the Financial Markets Authority to provide financial advice. We offer a holistic approach to financial planning, providing a personalised service tailored to the financial objectives of our clients. The business is impartial, providing financial planning in partnership with some of the world's leading financial service providers. All of RIVAL Wealth's senior advisers are members of Financial Advice New Zealand and/or the Insurance Brokers Association of New Zealand. They have a range of skills to suit most people's needs, supported by a great team all very focused on the vision of RIVAL Wealth – giving people the confidence to make **smarter financial decisions to get them financially organised**. --- ## RIVAL Wealth advisers provide advice about | Service Area | Description | |---|---| | Comprehensive Financial Planning | Full analysis of your situation aligned with your financial objectives. | | Cash and Debt Management | Providing personal advice on budgeting, debt restructuring and establishing sufficient cash reserves. | | Risk Management | Protecting personal risk and ensuring sufficient cash is available in the event of disability, illness, or death. | | Investment and Retirement Planning | Considering risk profile, investment timeframes and cash flow needs, recommending appropriate solutions to you. | | General Insurance | Protecting your possessions and actions against unforeseen loss or damage. | RIVAL Wealth Limited may sometimes refer clients to RIVAL Accounting Limited as part of our recommendations. --- ## RIVAL Wealth provide advice in relation to the following products **Insurance Products:** - Personal Life, Sickness and Disability Insurance - Private Health Insurance - Business Life, Sickness and Disability Insurance - Commercial, Rural and Domestic Insurance - Groups Life, Income and Health Insurance **Investment Products:** - Discretionary Investment Management Service (DIMS) - Managed Funds (non DIMS) - KiwiSaver - UK Pension Transfer Funds - Corporate Superannuation **Note:** Not all of our advisers can advise on all these product areas and needs. Please refer to the link 'Meet Our Team' to see who can advise on which area. --- ## We provide advice in relation to products provided by the following companies ### Life and Disability Insurance - AMP - Fidelity Life - CHUBB - AIA - Partners Life - Asteron Life ### Medical Insurance - Southern Cross Health Insurance - AIA - Partners Life - nib - UniMed ### General Insurance - Vero - QBE - 360 Commercial - DLE - ANDO - N4 - Allianz - TLC Insurance - AIG - SAGE - Delta Insurance - Protectsure - NM Insurance ### KiwiSaver - Investnow - Fisher Funds - AMP - ANZ Investments - Booster ### Discretionary Investment Management Service Custodian - ADMINIS ### Investment Planning - Fisher Funds - Milford - Simplicity - AMP - Booster - ANZ Investments - Nikko AM --- ## Fees and Expenses We do not charge for advice at our first meeting. However, there are fees payable by the client for the following situations: ### Discretionary Investment Management Service (DIMS) and Non-Discretionary A plan development fee of $500 + gst will be charged but will be rebated if you implement the portfolio. A monitoring fee to a maximum of 1.2% p.a. is payable monthly based on the total balance of your portfolio for continually monitoring your portfolio and making appropriate changes. This is paid from your portfolio directly to RIVAL Wealth if you decide to invest based on our recommendation; specific fees will be advised to you when advice is provided. ### Discretionary Investment Management Service (DIMS) - Multi-Manager An implementation fee of $200 will be charged for setting up your portfolio. A monitoring fee to a maximum of 0.5% p.a. is payable monthly based on the total balance of your portfolio for continually monitoring your portfolio and making appropriate changes. This is paid from your portfolio directly to RIVAL Wealth if you decide to invest based on our recommendation; specific fees will be advised to you when advice is provided. ### Managed Funds An implementation fee of $200 + gst will be charged for setting up your portfolio. ### Life, Income and Health Insurance A plan development fee of $300 + gst may be charged but will be rebated if you implement our recommendations. RIVAL Wealth Limited charges a fee for financial advice provided to a client if the client cancels a life, income or health insurance policy within two years of inception for the substantial amount of work we do to put a policy in place. Specific fee information will be given when the advice is provided. This fee will be payable by the client by the 20th of the month after the policy is cancelled. ### Fire and General Insurance A plan development fee of $300 + gst may be charged but will be rebated if you implement our recommendations. An adviser service fee is charged per annum based on the total premiums at renewal which are: - Over $25,000 is $500 + gst - $15,000 to $25,000 is $400 + gst - $5,000 to $15,000 is $300 + gst - Under $5,000 is $200 + gst RIVAL Wealth Limited will charge a service fee of 10% of the client premium for the time we have put into a renewal if a client decides to cancel or transfer insurance to another provider in the first month after your renewal date. A $25 + gst endorsement fee when changes are made to the policy during the year. ### Ongoing Servicing and Client Management We will contact you annually and offer to review your situation to make sure your plan is still suitable for your situation and objectives. Because personal circumstances change over time, we offer this ongoing review service for no charge, so your insurance can be updated to suit you and your family. ### KiwiSaver No entry fee will be deducted from your initial investment. Where we do not receive a commission from a product provider, we will charge a fee. An advice service fee to a maximum of 0.25% of the average annual balance will be deducted directly from your KiwiSaver contribution as the financial advice service fee. This fee is passed on directly by the KiwiSaver provider to the adviser; specific fees will be advised to you when advice is provided. ### Group Schemes Service commission - A 20% fixed percentage of the ongoing premium, built into the cost of the insurance will be held for management of that business, claims assistance, service support and specialised advice for individual members as required. --- ## Conflicts of Interest ### Managing Conflict of Interest To ensure our financial advisers prioritise the client's interests above their own, we follow an advice process that ensures our personalised recommendations are made on the basis of the client's goals and circumstances, as advised to us. RIVAL Wealth Financial Advisers complete regular training, including how to manage conflicts of interest. Each adviser has a regular compliance review of their advice process and our compliance programme is reviewed annually by our external Compliance Adviser. ### Discretionary Investment Management Service (DIMS) Commissions are rebated for all Discretionary DIMS portfolios. ### KiwiSaver and Managed Funds RIVAL Wealth Limited and the financial adviser may receive commissions from the investment companies whose investments we can recommend. If you decide to invest based on our recommendation, the investment company may pay a commission to RIVAL Wealth Limited who provides your advice. The amount of the commission is based on the amount of funds invested. Specific commissions will be advised to you when advice is provided. ### General, Life Insurance, Income Insurance and Health Insurance RIVAL Wealth Limited receive commissions from the insurance companies whose policies we recommend. If you decide to take out insurance that we recommend, the insurer will pay a commission to RIVAL Wealth Limited which provides your advice. The amount of the commission is based on the amount of premium associated with your cover; specific commissions will be advised to you when advice is provided. ### Non-cash additional rewards Occasionally, benefits are received in the form of office supplies (e.g. notepads, pens etc), entertainment (e.g. rugby and concert tickets, golf days etc), or subsidised professional development (e.g. subsidised training courses etc). --- ## Disputes and Complaints If you are not satisfied with our financial advice service you can make us aware of this by emailing emma@rivalwealth.co.nz, or by calling 06 370 4441. You can also write to us at RIVAL Wealth, 2 Michael Street, P O Box 59, Masterton 5810. When we receive a complaint, we will use our internal review process as a first step: - 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. - We aim to find a solution to complaints within 10 working days of receiving them. If more time is needed, we will contact you. - We will let you know by phone or email how we propose to resolve the matter. If we cannot reach an agreement, you can contact: **The Insurance & Financial Services Ombudsman Scheme (IFSO Scheme)** This service will cost you nothing. Postal address: P O Box 10-845 Wellington Phone: 0800 888 202 Email: info@iombudsman.org.nz --- ## Other Information and Duties RIVAL Wealth Limited and anyone who gives financial advice on our behalf, has 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 isn't 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 fma.govt.nz. --- ## https://financeadvisers.co.nz/api/provider/FSP32190/disclosure.md > _Markdown transcription of Malcolm Flowers Insurances Limited's Public Disclosure Statement, version 2026-05-23. Source: https://www.mfi.co.nz/app/uploads/2025/01/MFI-Business-Disclosure-Information-MFI-2025.pdf._ --- # Malcolm Flowers Insurances Ltd Disclosure Statement ## Who are we? | Detail | Information | |--------|-------------| | Name of Financial Adviser Provider | Malcolm Flowers Insurances Ltd – FSP32190 | | Trading Names | Malcolm Flowers Insurances Ltd | | Telephone Number | 07378 6328 | | Address | 34 Ruapehu Street, Taupo | | Email Address | reception@mfi.co.nz | | Website | www.mfi.co.nz | ### It is important that you read this information It will help you (the client) make an informed decision whether we Malcom Flowers Insurances Ltd and our adviser's insurance financial advice and products are suitable for your needs and whether to seek, follow or accept the financial advice. This Disclosure Statement is required under the Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendment Regulations 2020. ## What sort of advisers are we? We are a licensed Financial Advice Provider by the Financial Market Authority of New Zealand (FMA). Financial Services Legislation Amendment Act 2019 requires Malcolm Flowers Insurances Ltd 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 and search our Financial Service Provider (FSP) number FSP32190. As a licensed Financial Advice Provider, we have standard conditions on our license, these conditions are not specific to Malcolm Flowers Insurances Ltd and does 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 and restrict the advice we may give. | Condition | Limits and restrictions | |-----------|------------------------| | None | None | ## What financial advice can we provide to you? Malcolm Flowers Insurances Ltd 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 under 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. View the Insurer ratings here. Malcolm Flowers Insurances Insurance product providers are required to have financial strength ratings with a minimum of A- 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 Malcolm Flowers Insurances Ltd 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 and ancillary support services for those products and services. ## What fees do we charge? We may charge clients fees 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 placement, implementation and administration of the insurance policies that you choose to accept and purchase. The total fees payable may increase with the number of insurance policies that you choose to purchase. Any fees are clearly disclosed on our premium tax invoice (policy charge). ## 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 on the basis of 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 provide additional training where necessary. We perform an annual review of our compliance programme. You should be aware 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. If any conflict of interest (other than a commission or other incentive) currently exists or is likely to arise in the future in relation to advice given by us, we will provide to you: (i) a brief description of the nature of each conflict of interest; and (ii) a brief explanation of the steps that have been or will be taken to manage each conflict of interest. ## How do we get paid for the financial advice and products that we provide to you? Malcolm Flowers Insurances Ltd and our Advisers **do not receive any commission or other incentives for giving Financial Advice.** Malcolm Flowers Insurances Ltd **do receive commission** when the Client accepts our financial advice and purchases an insurance policy. The commission is paid by the Insurer (product provider's) for the insurance business on each insurance policy that the Client purchases. **The commission is paid to us can be between the range of 0-30% of the Insurer portion (total premium of the insurance policy less government levies and taxes).** ### NZbrokers Management Limited Malcolm Flowers Insurances Ltd 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 Malcolm Flowers Insurances Ltd. When a client accepts our financial advice as your Adviser and purchases a policy NZbrokers may 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 other 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, concerns or you are dissatisfied with either a product or financial advice or service that has been provided by Malcolm Flowers Insurances Ltd and you require action to be taken, please tell us so that we can help and fix the issue. Follow this link to make a complaint, which will give details on our complaints process. If a complaint is received Malcolm Flowers Insurances Ltd 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 will be made to resolve your complaint in a timely manner, with staff escalating as necessary to Senior Management or Complaints Manager. You will receive a written decision, remedies and resolution as soon as practicable after Malcolm Flowers Insurances Ltd has 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 Malcolm Flowers Insurances Ltd complaints process, or you are unsatisfied with the response or resolution, you can contact 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. Find out how to make a complaint to Financial Services Complaints Limited here. You can contact FSCL at: | Contact Detail | Information | |---|---| | Postal Address | P.O. Box 5967, Wellington 6145 | | Email | info@fscl.org.nz | | Telephone | 0800 347 257 | | Website | http://www.fscl.org.nz/ | ## What are our advisers duties? Our Advisers provide financial advice on Insurance products and services to clients on Malcolm Flowers Insurances Ltd behalf. When giving advice all our advisers must: - Hold a Level 5 New Zealand Certificate in Financial Services (by 15 March 2023) - Maintain competence, knowledge and skills for giving financial advice by completing continuing professional development. - Abide by Code of Professional Conduct for Financial Services Providers and have ethical behaviour, good conduct and provide client Care. - Listen to the client carefully to discover their needs. - Recommend products or services that meet the client needs and provide an explanation of why we recommend a product or service. - Provide clear and concise communication in all our dealings with the client. - Protect client's information. - Give priority to the client's interests when giving insurance financial advice. ## Who licenses and regulates us? The Financial Markets Authority (FMA). You can report information about us to the Financial Markets Authority at: www.fma.govt.nz/contact or email questions@fma.govt.nz but if you want to complain you should 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:** 15/03/21 and **updated on:** 18/01/25 --- ## https://financeadvisers.co.nz/api/provider/FSP3241/disclosure.md > _Markdown transcription of Harbour Asset Management Limited's Public Disclosure Statement, version 2026-05-18. Source: http://www.harbourasset.co.nz/assets/Legal/FMA-Docs/Harbour-Investment-Funds-PDS-Singles.pdf?hash=60ed7cae912911038fea9e99e92078aa52e47eb1._ --- # Product Disclosure Statement – Australasian Equities and Fixed Interest Funds Issued by Harbour Asset Management Limited 1 April 2026 This document replaces the Product Disclosure Statement dated 21 November 2025 --- ## 1. Key information summary ### What is this? This is a managed investment scheme. Your money will be pooled with other investors' money and invested in various investments. Harbour Asset Management Limited (Harbour, we, us or our) will invest your money and charge you a fee for our services. The returns you receive are dependent on our investment decisions and the performance of the investments. The value of those investments may go up or down. The types of investments and the fees you will be charged are described in this document. How you invest into the funds outlined in this product disclosure statement (Funds) is related to the size of your investment, and whether you require financial advice. See our website: www.harbourasset.co.nz/invest-with-us for more details. The Funds are also available via a Portfolio Investment Entity (PIE) Investor Proxy or custodial service, which you or your financial adviser use (Service). This Service invests in the Funds on your behalf and is therefore the investor to us. In some instances, references in this document to "you" are referring to the Service you use. For more information please see "10. How to Apply". For larger amounts, it may be possible for you to invest directly with Harbour in the Funds outlined in this Product Disclosure Statement (PDS) if you do not require financial advice. See our website: www.harbourasset.co.nz/invest-with-us for more details. ### What will your money be invested in? There are 9 Funds offered under this PDS. These investment options are summarised on the following page. More information about the investment target and strategy for each investment option is provided in "3. Description of your investment option(s)". ### Who manages the Harbour Investment Funds? The Manager of the Funds is Harbour Asset Management Limited. See "7. Who is involved?" for more information about us. ### What are the returns? The return on your investment comes from: - any increase or decrease in the Fund's unit price, and - any income distributions made from the Fund. The Harbour NZ Core Fixed Interest Fund, Harbour NZ Corporate Bond Fund, Harbour Australasian Equity Income Fund (quarterly), Harbour Real Estate Investment Fund, Harbour NZ Index Shares Fund and Harbour Sustainable NZ Shares Fund (6 monthly) intend to pay distributions. The other Funds offered under this PDS do not distribute income; any accrued income for these Funds is reflected in each Fund's unit price. See "2. How does this investment work?" for more information. ### How can you get your money out? You can withdraw some or all of your investment at any time by completing a signed withdrawal request and providing it to your Service or directly to Harbour as applicable. We can suspend or defer withdrawals in certain circumstances. We may suspend withdrawals or delay payments from a Fund if it is in the best interests of all investors in the Fund or to protect a Fund's PIE status. See "2. How does this investment work?" for more information. Your investment in the Funds can be sold but there is no established market for trading these financial products. This means that you may not be able to find a buyer for your investment. ### How will your investment be taxed? Each Fund is a PIE. The amount of tax you pay in respect of a PIE is based on your Prescribed Investor Rate (PIR). To determine your PIR, go to the Inland Revenue website at www.ird.govt.nz/roles/portfolio-investment-entities/using-prescribed-investor-rates. See "6. What taxes will you pay?" for more information. ### Where can you find more key information? We are required to publish quarterly updates for each Fund. The updates show the returns and the total fees actually charged to investors, during the year. The latest fund updates are available at www.harbourasset.co.nz. We will also give you copies of these documents on request. --- ## Fund Summary Table | FUND NAME | DESCRIPTION | RISK INDICATOR | ANNUAL FUND CHARGES (ESTIMATE) EX. GST (IF ANY) | |-----------|-----------|---|---| | Harbour NZ Core Fixed Interest Fund | The Fund is an actively managed investment grade bond fund that invests mainly in New Zealand Government bond and corporate bond fixed interest securities.¹ | LOWER RISK 1 2 **3** 4 5 6 7 HIGHER RISK | 0.63% | | Harbour NZ Corporate Bond Fund | The Fund is designed for investors seeking income through a diversified portfolio of primarily investment grade corporate bond fixed interest securities.¹ | LOWER RISK 1 2 **3** 4 5 6 7 HIGHER RISK | 0.45% | | Harbour Long Short Fund | The Fund is an actively managed, high conviction portfolio investing principally in 'long' and 'short' listed New Zealand and Australian equities. The focus is on delivering positive returns through the market cycle by investing in long and short-sold equity positions with no particular attention to an equity benchmark. The fund is expected to have lower volatility than equity benchmarks.¹ | LOWER RISK 1 **2** 3 **4** 5 6 7 HIGHER RISK | 1.18%† | | Harbour NZ Index Shares Fund** | The Fund is passively managed tracking the companies in the Solactive New Zealand Top 50 Capped Index. | LOWER RISK 1 2 3 4 **5** 6 7 HIGHER RISK | 0.20% | | Harbour Sustainable NZ Shares Fund*** | The fund invests in companies in the S&P NZX Portfolio Index, with exclusions to companies including but not limited to large carbon emitters, producers of alcohol, gambling services, controversial weapons and military equipment, pornography, firearms, tobacco, recreational cannabis, child labour, companies with human and animal rights violations. There will also be positive and negative tilts to the remaining companies based on Harbour's proprietary Corporate Behaviour Score. | LOWER RISK 1 **2** 3 4 **5** 6 7 HIGHER RISK* | 0.25% | | Harbour Real Estate Investment Fund | The Fund aims to capture the income yield and medium-term capital growth characteristics of real estate assets by investing principally in listed real estate assets and enhance diversification and return potential against the benchmark.¹ | LOWER RISK 1 2 3 4 **5** 6 7 HIGHER RISK | 0.72% | | Harbour Australasian Equity Income Fund | The Fund is designed to generate attractive levels of quarterly income from a diversified portfolio of predominantly New Zealand and Australian listed equities that pay sustainable and growing dividend yields as well as holding cash and fixed interest securities.¹ | LOWER RISK 1 2 3 **4** 5 6 7 HIGHER RISK | 1.03% | | Harbour Australasian Equity Fund | The Fund is an actively managed strategy that invests predominantly in New Zealand and Australian listed equities. The Fund has a growth-oriented investment approach to generate alpha (return over the benchmark) for investors.¹ | LOWER RISK 1 2 3 4 **5** 6 7 HIGHER RISK | 1.07% | | Harbour Australasian Equity Focus Fund | The Fund is an actively managed, high conviction fund investing principally in New Zealand and Australian listed equities. This Fund invests in quality growth companies that the Harbour equity research team rank as their best research ideas.¹ | LOWER RISK 1 2 3 4 **5** 6 7 HIGHER RISK | 1.22%† | ¹ This Fund incorporates an environmental, social and governance (ESG) strategy including integrating Harbour's proprietary Corporate Behaviour Survey and external provider scores into investment decision making, company engagement, voting and zero tolerance exclusions. Additional information on screening thresholds and processes are outlined in the exclusions section of our Environmental, Social, Governance Policy (ESG Policy). **NOTE 1:** A combination of actual Fund returns and market index returns have been used to determine the risk indicator for the Harbour Sustainable NZ Shares Fund (launched 1-04-2021) as this Fund has not been operational for five years. The risk indicator may therefore provide a less reliable indicator of potential future volatility of this Fund. **NOTE 2:** The Harbour NZ Equity Advanced Beta Fund transitioned to the Harbour NZ Index Shares Fund on 1 April 2021. **NOTE 3:** Screening materiality thresholds are outlined in the ESG Policy. **NOTE 4:** The annual fund charge includes a performance fee estimate. See pages 9 & 10 for more information. See "4. What are the risks of investing?" for an explanation of the risk indicator and for information about other risks that are not included in the risk indicator. To help you clarify your own attitude to risk, you can seek financial advice or work out your own risk profile at www.sorted.org.nz/tools/investor-profiler. --- ## 2. How does this investment work? This PDS is on offer to purchase units in the Funds. Each Fund is constituted within a managed investment scheme that is governed by the revised Harbour Trust Deed (dated 21 September 2016) as amended from time to time. The money you invest buys units in the Fund or Funds you choose. Your money is held on trust and pooled with the money of other investors in the Fund. We use the money to purchase assets for the Fund on behalf of all the investors. Harbour investment professionals select and manage the assets in each of the Harbour Funds. Refer to "3. Description of your investment options" for more information. Each Fund's assets are valued independently of us by Apex Investment Administration (NZ) Limited (the Administration Manager). The price of each unit you receive depends on the value of the Fund at the time you invest. The purchase of units does not give you legal ownership of a Fund's assets, but gives you the right to the return from the assets in the Fund. The unit price is calculated by dividing the net asset value of a Fund by the number of units the Fund has on issue. The unit price is calculated each business day and is rounded to four decimal places. The value of units in a Fund fluctuates according to the changing value of the assets in which the Fund has invested. A change in the value of a Fund's assets affects the unit price of your units. The number of units you have (your unit holding), when multiplied by the unit price, gives you the total value of your investment in any one Fund (although the impact of tax can result in a change in the number of units you hold, up or down, as the unit price is before tax). Each day, the previous day's unit prices for the Funds can be found on our website www.harbourasset.co.nz/performance. No assets of a Fund will be available to be applied to meet the liabilities of any other Funds managed by us. ### The key benefits of investing in the Harbour Investment Funds are: **Diversification** – access to a widely diversified portfolio of securities in the relevant asset class. Diversification can assist with lowering the volatility and enhancing the potential returns of your investment in that asset class. **Professional investment management** – your investments are managed by experienced and proven investment teams. **Independent governance** – oversight of the Funds by The New Zealand Guardian Trust Company Limited (Guardian Trust). **Responsible investing** – ESG factors are actively integrated in the analysis and construction of the funds by setting ethical exclusions and assessing investments through our proprietary survey, external research providers and engagement with company management and directors. Please refer to the ESG Policy for more information. ### The return on your investment comes from: - any increase or decrease in the unit price; and - any income distributions made from the Fund. ### Distributions The Harbour NZ Core Fixed Interest Fund, Harbour NZ Corporate Bond Fund and Harbour Australasian Equity Income Fund intend to pay distributions quarterly in March, June, September and December. The Harbour Real Estate Investment Fund, Harbour NZ Index Shares Fund and Harbour Sustainable NZ Shares Fund intends to pay distributions 6-monthly in March and September. The other Funds do not pay distributions. The unit price of these Funds will generally drop immediately after the end of a distribution period, reflecting the amount of distribution paid from the Fund. Distribution amounts you receive will depend on the number of units you hold at the end of the distribution period and the amount per unit to be distributed by the relevant Fund. Distribution amounts will vary between distribution periods and are not guaranteed. Some Services offer the option to either pay out or reinvest distributions. You will need to contact your Service to see if this is available to you. If you invest directly with Harbour, the option to have distributions paid out or reinvested is available to you. ### Making investments Investment into the Funds will be dependent on the amount you have available to invest in the Funds and whether you require financial advice. For many investors, this may be via a Service that we deal with. Investments can be made by completing the application form and providing it to your Service. Your Service will then apply to us for units in a Fund on your behalf. Some Services have a minimum initial investment amount as well as minimum regular contribution amounts. Please refer to your Service for any minimum requirements that may apply to you. If you do not require financial advice on the Funds outlined in this PDS, you may also invest directly with Harbour subject to certain minimum amounts – refer to our website at www.harbourasset.co.nz/invest-with-us for more details. Please see "10. How to apply" for more information or contact us at contactus@harbourasset.co.nz. ### Withdrawing your investments To withdraw your investment in a Fund, you will need to complete a withdrawal form and provide it to your Service. Your Service will then forward this to us on your behalf. The number of units redeemed will be calculated by dividing the dollar amount by the unit price. Your Service will deduct from your redemption proceeds an amount equal to any applicable PIE tax on income allocated to redeemed units and pay the net proceeds as soon as possible after we have processed the request, not exceeding 10 business days. Your Service may impose minimum amounts you can withdraw and may require you to withdraw all of your investment if a withdrawal would cause your investment in a Fund to fall below a particular level. We may suspend withdrawals or delay payment from a Fund if it is in the best interests of all investors in the Fund or to protect a Fund's PIE status. If this is the case, you may need to wait for a longer period of time for your withdrawal proceeds. These conditions are summarised in the "Other Material Information document" (OMI) on the offer register and are set out in full in the Trust Deed on the scheme register. Both registers can be found at www.disclose-register.companiesoffice.govt.nz (Disclose). ### How to switch between Funds You can switch between Harbour Investment Funds as often as you like by completing the relevant form and providing it to your Service. You will need to contact your Service to ensure their minimum switch amount has been met or the required balance is maintained in a Fund. A switch is essentially a withdrawal from one fund and an application into another. As such, any PIE tax will be deducted from the withdrawal with the remaining proceeds applied to the new Fund. There is no charge for switching. Once we receive your form, completed in full, Harbour will use all reasonable endeavours to process the switch on, or as soon as possible after, the date you refer to in the completed form. In some market conditions, Harbour may apply a buy-sell spread to investments, withdrawals or switches in some Funds. See section 5 for more information on buy-sell spreads. --- ## 3. Description of your investment option(s) | FUND NAME | SUMMARY OF INVESTMENT OBJECTIVES AND STRATEGY | TARGET INVESTMENT MIX | RISK CATEGORY | MINIMUM SUGGESTED INVESTMENT TIMEFRAME | |-----------|-----------|---|---|---| | Harbour NZ Core Fixed Interest Fund¹ | **Objective:** To outperform the benchmark by 100 basis points per annum over a rolling 3-year period. **Benchmark:** Bloomberg NZ Bond Composite 0+Yr Index**. **Strategy:** The Fund is an actively managed investment grade bond fund that invests mainly in New Zealand Government and corporate fixed interest securities. | 85% NZ fixed interest, 10% intl fixed interest, 5% cash & cash equivalents | 3 - This Fund has a low to medium level of volatility | Medium to long term investment horizon. Minimum 3 years | | Harbour NZ Corporate Bond Fund¹ | **Objective:** To outperform the benchmark after fees on a rolling 12-month basis. **Benchmark:** S&P/NZX Investment Grade Corporate Bond Total Return Index**. **Strategy:** The Fund provides access to income through a diversified portfolio of primarily investment grade corporate bond fixed interest securities. | 95% NZ fixed interest, 5% intl fixed interest | 3 - This Fund has a low to medium level of volatility | Medium to long term investment horizon. Minimum 3 years | | Harbour Long Short Fund¹ | **Objective:** To deliver positive returns through the market cycle by investing in long and short equity positions. **Benchmark:** 15% S&P/NZX 50 Index, 15% S&P/ASX 200 Index, & 70% S&P/NZX Bank Bills 90-Day Index**. **Strategy:** The Fund is an actively managed, high conviction portfolio investing principally in 'long' and 'short' listed New Zealand and Australian equities. The focus is on delivering positive returns through the market cycle by investing in long and short-sold equity positions with no particular attention to an equity benchmark. The fund is expected to have lower volatility than equity benchmarks. Given the unique features of this Fund, it may not be appropriate for all investors. | 30% Australasian equities, 70% cash & cash equivalents | 4 - This Fund has a medium to high level of volatility | Medium to long term investment horizon. Minimum 5 years | | Harbour NZ Index Shares Fund | **Objective:** To provide a return (before tax, fees, and other expenses) that closely tracks the Solactive New Zealand Top 50 Capped Index. **Benchmark:** Solactive New Zealand Top 50 Capped Index (including imputation credits)**. **Strategy:** The Fund is passively managed tracking the companies Solactive New Zealand Top 50 Capped Index. | 99% Australasian equities, 1% cash & cash equivalents | 5 - This Fund has a high level of volatility | Medium to long term investment horizon. Minimum 5 years | | Harbour Sustainable NZ Shares Fund | **Objective:** To provide a return by investing in companies in the S&P/NZX 50 Portfolio Index, with exclusions to companies that do not meet Harbour's criteria of Responsible Investing. **Benchmark:** S&P/NZX50 Portfolio Index (gross including imputation credits)**. **Strategy:** This fund invests in companies in the S&P/NZX 50 Portfolio Index, with exclusions to companies including but not limited to, large carbon emitters, gambling, firearms, and companies with human and animal rights violations. For full details of the exclusions for this Fund please see the ESG Policy on our website at Responsible Investing » Harbour Asset Management. There are positive and negative tilts applied to the remaining companies based on Harbour's proprietary Corporate Behaviour Score. The Fund has the ability to implement securities lending. Securities lending involves the transfer of legal title and beneficial interest in securities to a third-party borrower, in some cases against collateral security, and in other cases with other appropriate risk mitigation arrangements. | 99% Australasian equities, 1% cash & cash equivalents | 5* - This Fund has a high level of volatility | Medium to long term investment horizon. Minimum 5 years | | Harbour Real Estate Investment Fund¹ | **Objective:** To exceed the benchmark return plus 1% per annum over the medium term. **Benchmark:** S&P/NZX All Real Estate Index (gross including imputation credits)**. **Strategy:** The Fund will predominantly be invested in sustainable dividend generating companies, which derive their economic value from owning traditional real estate assets with appropriate financial and governance structures in place. In addition, the Fund may invest in shares of companies that derive their economic value from the control of real estate assets, but don't meet the strict definition of listed property securities or REITS. | 85% Listed property, 12.5% Australasian equities, 2.5% cash & cash equivalents | 5 - This Fund has a high level of volatility | Medium to long term investment horizon. Minimum 5 years | | Harbour Australasian Equity Income Fund¹ | **Objective:** To provide returns by investing in higher dividend yielding companies in the New Zealand and Australian markets. **Benchmark:** 60% S&P/ASX Industrials Index (equally weighted and 90% hedged to NZD) and 40% S&P/NZX 50 Portfolio Index**. **Strategy:** The Fund is designed to generate quarterly income from a diversified portfolio of Australasian equities that pay sustainable and growing dividend yields (the amount a company pays out in dividends each year relative to its share price), as well as holding cash and fixed interest securities. | 90% Australasian equities, 10% NZ fixed interest | 4 - This Fund has a medium to high level of volatility | Medium to long term investment horizon. Minimum 5 years | | Harbour Australasian Equity Fund¹ | **Objective:** To achieve a gross return of 5.0% per annum above the benchmark over the long term. **Benchmark:** S&P/NZX 50 Index gross including imputation credits**. **Strategy:** The Fund provides actively managed exposure to New Zealand and Australian equities. This fund has a growth-oriented active investment management approach, including ESG integration to generate alpha (return over the benchmark) for investors. | 98% Australasian equities, 2% cash & cash equivalents | 5 - This Fund has a high level of volatility | Medium to long term investment horizon. Minimum 5 years | | Harbour Australasian Equity Focus Fund¹ | **Objective:** To deliver medium to long term capital growth through investing in quality businesses with strong growth prospects. **Benchmark:** The Fund does not follow a particular benchmark. However, the following is the appropriate market index: 50% S&P/NZX 50 Index (gross with imputation credits) and 50% S&P/ASX 200 Index (total return in AUD with 50% hedged into NZD) **. **Strategy:** The Fund is an actively managed fund investing in New Zealand and Australian equities. It is a high conviction fund where the portfolio will consist of companies our analysts have researched and have a high belief will perform over the medium to longer-term. | 95% Australasian equities, 5% cash & cash equivalents | 5 - This Fund has a high level of volatility | Medium to long term investment horizon. Minimum 5 years | ¹ These funds incorporate an ESG strategy including integrating Harbour's proprietary Corporate Behaviour Survey and external provider scores into investment decision making, company engagement, voting and exclusions. Additional information on screening thresholds and processes are outlined in our ESG Policy. **NOTE 1:** A combination of actual Fund returns and market index returns have been used to determine the risk indicator for the Harbour Sustainable NZ Shares Fund (launched 1-04-2021) as this Fund has not been operational for five years. The risk indicator may therefore provide a less reliable indicator of potential future volatility of this Fund. **NOTE 2:** Further information, including relevant benchmark and index provider disclaimers, is set out in the Other Material Information (OMI) for the Harbour Investment Funds. ### Target investment mix Each Fund has a long term target investment mix & investment limits within various asset classes to which the portfolios are managed. The actual investment mix will vary from the target investment mix, depending on many factors. Actual and target mix will be published each quarter in the relevant Fund update. Some of the Funds seek to achieve their objective by investing directly into wholesale Funds. For further information about each Fund's structure, investment limits & permitted investments, please refer to the SIPO on Disclose. ### Changes to the SIPO We can make changes to the SIPO for each Fund in accordance with the Trust Deed and the FMC Act. Before making changes to the SIPO, we will consider if the changes are in the best interests of investors generally and consult with the Supervisor. We will give notice of changes to unit holders of the relevant Fund prior to effecting any material changes. The current SIPO can be found on Disclose. ### Benchmark (or Market Index) The term benchmark used in the table above, and throughout the documents, means the standard against which the performance of the Fund is measured. For each Fund, the market index or combined market indices used to measure the performance (the Fund's Benchmark) can be seen. Our use of the various market indices referred to here are subject to certain terms, conditions and disclaimers as described in the OMI, on Disclose. Further information about the assets in the Funds can be found in the fund updates on our website www.harbourasset.co.nz. --- ## 4. What are the risks of investing? ### Understanding the risk indicator Managed funds in New Zealand must have a standard risk indicator. The risk indicator is designed to help investors understand the uncertainties both for loss and growth that may affect their investment. You can compare funds using the risk indicator. An example risk indicator is below. | LOWER RISK | | | | | | HIGHER RISK | |---|---|---|---|---|---|---| | | | | | | | | | Potentially lower returns | | | | | | Potentially higher returns | | 1 | 2 | 3 | 4 | 5 | 6 | 7 | The risk indicator for each Fund can be found on page 3 of this PDS. The risk indicator is rated from 1 (low) to 7 (high). The rating reflects how much the value of the Fund's assets goes up and down (volatility). A higher risk generally means higher potential returns over time, but more ups and downs along the way. To help you clarify your own attitude to risk, you can seek financial advice or work out your risk profile at www.sorted.org.nz/tools/investor-profiler. Note that even the lowest category does not mean a risk-free investment, and there are other risks (see "Other specific risks") that are not captured by this rating. This risk indicator is not a guarantee of a Fund's future performance. The risk indicator is based on the returns data for the five years to 31 December 2025. While risk indicators are usually relatively stable, they do shift from time to time. You can see the most recent risk indicator in the latest quarterly fund update for these Funds (once available). ### General investment risks Some of the things that may cause a Fund's value to move up and down, which affect the risk indicator, are: **Investment return risk** – you may not receive the returns that you expect, and the capital value of your investment may end up less than originally invested (or may be lost in full), because the market value of the assets owned by the Fund(s) can move up or down. **Manager Specific risk** – risk relating to us as a company and the risks around how we manage and operate our business, including the making of investment decisions. This includes our company specific risk (changes to our operations and ownership structure), key personnel and service provider risk. **Currency risk** – for Funds that invest into non-NZ dollar denominated equities or bonds, currency risk may affect the value of investments due to movements in foreign exchange rates. The currency management policy (or hedging) for each Fund is detailed in the SIPO. **Performance risk** – past performance is no guarantee of future performance. There is a risk that a Fund may not achieve its investment objectives or provide the same level of historical performance in the future. ### Other specific risks **Concentration risk** – the Harbour Australasian Equity Focus Fund has a concentrated portfolio, meaning we may have large positions in companies that our investment team rate highly. This Fund is not as diversified as our other Funds on a number of holdings basis. This introduces a higher level of risk to the Fund. **Liquidity risk** – is the risk that you may not be able to fully realise your investment in a Fund when you need to. All Harbour Funds are exposed to liquidity risk to some degree, but some Funds may invest into assets that exhibit poor liquidity such as unlisted equity, unlisted property, or unrated bonds of investment grade quality. **Short selling risk** – Specific to the Harbour Long Short Fund, the Fund has the ability to short sell shares. Short selling shares involves borrowing shares from a third party and then selling them in the market. The intention when short selling is to buy the shares back later at a lower price, therefore making a profit. In theory, the upper limit on a share price is unlimited, hence the potential loss from short selling, and the consequent effect on Fund returns from the short positions is also unlimited. In certain circumstances, the lender of shares who we have borrowed from to facilitate settlement, may request return of their shares which would require the Fund to buy back the shares in market at a time not of our choosing which may result in potential losses. However, in practical terms, to mitigate this risk, the short positions are balanced with long positions which are generally more as a percentage of the portfolio than the short positions. Additionally, should there be an event such as a takeover offer, or other positive news flow, the share price movement would be limited to the magnitude of that announcement. **Stock lending risk** – Specific to the Harbour Long Short Fund, to facilitate the settlement of the shares the Fund has short sold, we are required to borrow shares from a counterparty. This counterparty often requires the Fund to post collateral in the form of cash or securities. This collateral acts as a form of guarantee that the shares borrowed by the Fund will be returned. The amount of the collateral can vary from time to time. The lender has the right to sell or lend the collateral to other parties. The Fund is exposed to the creditworthiness of the lender in returning the collateral back if an adverse event occurred, and may negatively affect returns if we were unable to obtain that collateral. **Securities lending** – The Harbour NZ Index Shares Fund, the Harbour Real Estate Investment Fund and the Harbour Sustainable NZ Shares Fund have the ability to implement securities lending. There is a risk that a borrower of securities fails to deliver equivalent securities on termination of a loan or that the contract relating to the lending will not be legally enforceable. Third-party borrowers may not have the same ESG approach as the Harbour Real Estate Investment Fund or the Harbour Sustainable NZ Shares Fund. While it is intended that securities can be called back to exercise voting rights if appropriate, it may not always be possible. **Exclusions risk** – Exclusions consistent with Harbour's ESG strategy may give rise to performance deviations against each Fund's applicable benchmark. The investment guidelines for the Harbour Sustainable NZ Shares Fund contain additional exclusions and may give rise to even larger deviations from the S&P/NZX Portfolio Index benchmark positions (which do not include such exclusions). More information on these and other risks we believe you should carefully consider before making your investment can be found in the OMI on Disclose. --- ## 5. What are the fees? You will be charged fees for investing in the Funds. Fees are deducted from your investment and will reduce your returns. If we invest in other funds, those funds may also charge fees. The fees you pay will be charged in the form of annual fund charges. Small differences in these fees can have a big impact on your investment over the long term. ### One-off fees There are no one-off fees. ### Total annual fund charges are made up of: | FUND NAME | MANAGEMENT FEE (ESTIMATE) EX. GST (IF ANY) | | PERFORMANCE FEE (ESTIMATE) EX. GST (IF ANY) | TOTAL ANNUAL FUND CHARGES* (ESTIMATE) EX. GST | |-----------|---|---|---|---| | | NET FEE (ESTIMATE) | OTHER FEES (ESTIMATE) | | | | Harbour NZ Core Fixed Interest Fund | 0.56% | 0.07% | N/A | 0.63% | | Harbour NZ Corporate Bond Fund | 0.38% | 0.07% | N/A | 0.45% | | Harbour NZ Index Shares Fund | 0.13% | 0.07% | N/A | 0.20% | | Harbour Sustainable NZ Shares Fund | 0.19% | 0.06% | N/A | 0.25% | | Harbour Real Estate Investment Fund | 0.64% | 0.08% | N/A | 0.72% | | Harbour Long Short Fund** | 0.81% | 0.18% | 0.23% | 1.18% | | Harbour Australasian Equity Income Fund | 0.81% | 0.22% | N/A | 1.03% | | Harbour Australasian Equity Fund | 0.96% | 0.11% | N/A | 1.07% | | Harbour Australasian Equity Focus Fund | 0.88% | 0.22% | 0.12%*** | 1.22% | \* **Total Annual Fund Charges (Estimate)**, in respect of a Fund, comprises estimates of the management fee, and if applicable, any performance fee (and any other fees as detailed in the OMI), expressed as a percentage of Net Asset Value of the Fund. **Other fees (Estimate)**, in respect of a Fund, comprising from the proceeds of the management fee, an estimate of applicable underlying fund administration and supervisor costs notionally attributable to the Fund and, for the purposes of this table only, includes other costs in addition to the management fee such as legal and audit expenses, in aggregate expressed as a percentage of Net Asset Value. All fee percentages detailed have not taken into account GST, as applicable. Actual charges for the most recent financial year are available in the latest fund updates. \** In our fund updates, we will compare the Harbour Long Short Fund's performance against a market index that we consider reflects changes in the market value of the types of asset that the Fund invests in. However, the hurdle rate of return for the performance fee payable to us is based on the S&P/NZX Bank Bills 90-Day Index plus 2% per annum over the performance period. This means you may be paying a performance fee even if the Fund's performance (after fees but before tax) does not match or beat a market index which has more comparable assets. We have taken the average of performance fees paid over the past 5 years to estimate what the performance fee may be going forward. This may be higher or lower depending on relative performance for the remainder of the calendar year. The Fund fee, excluding --- ## https://financeadvisers.co.nz/api/provider/FSP32643/disclosure.md > _Markdown transcription of Chris Lee & Partners Limited's Public Disclosure Statement, version 2026-05-24. Source: http://www.chrislee.co.nz/uploads//Service%20Agreements%20and%20Client%20Forms/CLP%20Disclosure%20Statement.pdf._ --- # Financial Adviser Disclosure Statement **Updated on 06 October 2025** This Disclosure Statement provides important information about our Financial Advisers employed by Chris Lee and Partners Limited. It is important that you read this document as it contains essential details about the role of its advisors. ## Adviser Information **Name and Registration FSP Number:** Chris Lee (32741), Edward Lee (32721), Jonathan Lee (37425), David Colman (37442) and Fraser Hunter (1005021) sighted at http://www.fspr.govt.nz **Financial Advice Provider Name:** Chris Lee & Partners Limited **License Number:** FSP32643 **Date Issued:** 11 November 2022 **Licensed by:** Financial Markets Authority (FMA) ## Contact Details **Phone:** (04) 296-1023 **Email:** office@chrislee.co.nz **Address:** 14B Marine Parade, Paraparaumu Beach, Kapiti Coast **Postal:** Po Box 1633, Paraparaumu Beach, Paraparaumu 5252 ## Financial Adviser Services (Scope and basis) As Financial Advisers, we specialise in providing information and advice on a range of investment products, including: - Debt securities - Equity securities - Unit trusts - Managed funds - Kiwisaver providers Please note that our services do not extend to advice on direct property investments, insurance, debt management, budgeting, tax planning, or estate planning. ## Duties Information In our capacity as financial advisers, we adhere to the obligations set forth by the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services. These obligations include: - Meeting the standards of competence, knowledge, and skill as specified in the Code of Conduct - Prioritising the interests of my clients above all else - Exercising the highest levels of care, diligence, and skill in all my professional activities - Upholding the standards of ethical behaviour, conduct, and client care as detailed in the Code of Conduct. ## Fees We have two types of fees, a fixed annual charge which varies depending on the service provided; and brokerage, charged when a transaction occurs. ### Service Fees **Financial Advice Service (Self-Managed)** Client pays annual Fee of $595 plus GST, by invoice. We will issue an agreement that acknowledges the terms and conditions. Payment due prior to service delivery. **Personalised Reporting Add-on** Client pays a total annual fee of $1,500 plus GST, by invoice. This service includes Financial Advice. We will issue a survey to the client gathering information and will write quarterly reports to clients. Payment due prior to service delivery. **Wealth Management** Client pays a service fee based on the scale of the portfolio. The fee for this is 0.50%+GST per annum based on the portfolio value. It is paid monthly. **Transactional Only service** A Transactional Only Service does not incur an annual fee unless clients wish to use our Portfolio Reporting Service via the website. The fee for this is $170+GST per annum. Further details around our Service Levels can be found on our website. ### Brokerage Our clients are charged brokerage fees ranging from 0.75% to 1.35% on both buy and sell transactions. The exact amount depends on the size of the transaction, with a minimum charge of $45 for NZX orders, or $50 for ASX orders, per transaction. The total brokerage cost will be clearly stated on the contract notes issued after each transaction. In the case of new issues, the brokerage fees can be waived if they are paid by the issuer. ## Conflicts of Interest & Commission We prioritise client interests over our own and adhere to a strict advice process that ensures all recommendations are always in the best interests of our clients. As employees of Chris Lee and Partners, we receive a salary & profit share and do not receive any additional incentives or commissions based on the financial advice provided. Chris Lee and Partners is independent advisory practice with no formal affiliations to any banks or financial product providers. This ensures that the advice we provide is unbiased and solely in the best interests of the client. Fees for our services are charged directly to the client, and we do not accept any payments or commissions from organisations that could potentially influence my advice. Occasionally, Chris Lee and Partners may receive small gifts from clients and product providers. These gifts are of minimal value and do not affect our business operations. We are obligated to disclose any conflicts of interest or potential conflicts as they arise. Should any conflicts emerge, we will take necessary measures to manage and disclose them. We prioritise client interests over our own and adhere to a strict advice process that ensures all recommendations are always in the best interests of our clients. We receive commission from Heartland Bank on reverse mortgages, a fee rebate of 0.20% per annum for Milford Kiwisaver products, and a fee rebate 0.25% per annum on our Cash Management Account held through Hatch. ## Complaints If you have a problem, concern, or complaint about any part of our services, we urge you to contact us initially. Our goal is to resolve all complaints without escalation. - If we are unable to address your complaint immediately, we will acknowledge your complaint within two business days. We may contact you to gain further information about your complaint. - We aim to resolve complaints within five working days of receiving them. If we require more time to investigate your complaint, we will inform you of when you can expect a response. In a situation where we cannot reach an agreement on how to resolve the issue, we will refer the complaint to our external dispute resolution provider, and you are invited to do the same. This service will be at no cost to you and will help us resolve any disagreements. You can contact Financial Services Complaints Limited through following methods: **Phone:** 0800 347 257 **Email:** info@fscl.org.nz **Letter:** PO Box 5967, Wellington 6140 Full details of about the FSCL scheme can be obtained on its website (www.fscl.org.nz) ## Indemnity Insurance Neither our advisors nor Chris Lee and Partners hold indemnity insurance. Instead, we maintain capital in our business, ready to address unexpected costs should it be necessary. CLP has never failed to meet any legal obligation. ## Reliability History None of our advisors have any relevant information to report. None have been made bankrupt or insolvent, nor have any convictions or been publicly disciplined. ## Further Information Should you have any queries regarding this disclosure statement or if you wish to learn more about us, please do not hesitate to ask. For general information about financial advisers, you can visit the FMA website (www.fma.govt.nz), which offers extensive resources on the New Zealand Investment and Advice Industries. ## Disclaimer The information and advice we provide are aimed at assisting you in your investment decision-making process. However, please be aware that all investment decisions and actions are your exclusive responsibility, regardless of whether they result from information supplied by us. While we endeavour to ensure accuracy and exercise due care in providing advice and statements, we cannot accept liability for any inaccuracies or oversights. We deny any responsibility for information or actions attributed to other parties. Please note that we do not guarantee the repayment of your capital or promise any level of return on your investment. ## Declaration We hereby declare that, to the best of my knowledge and belief, the information contained in this disclosure statement is true and complete and complies with the disclosure requirements in the Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendment Regulations 2020. --- ## https://financeadvisers.co.nz/api/provider/FSP32801/disclosure.md > _Markdown transcription of Fundagroup Insurance Brokers Limited's Public Disclosure Statement, version 2026-05-24. Source: https://fundagroup.co.nz/disclosure-fundagroup-insurance-brokers-limited._ --- # Disclosure Statement — Fundagroup Insurance Brokers Limited **The following information provides you with an important overview of Fundagroup Insurance Brokers Ltd, our duties to you, fees and how we manage complaints.** --- ## License Status and Conditions **Fundagroup Insurance Brokers Ltd** is a Financial Advice Provider under the license **FSP32801** issued by the Financial Markets Authority (FMA) to provide a financial advice service on Fire and General insurance products under this license. We only provide financial advice in relation to fire and general insurance products. The license came into effect when the Financial Services Legislation Amendment Act 2019 (FSLAA) came into force on **15 March 2021**. We are committed to providing our clients with good financial advice that is suitable for our clients' needs. --- ## Nature and Scope of Advice Our advisers provide financial advice on behalf of **Fundagroup Insurance Brokers Ltd** to clients regarding their general insurance needs. We cannot provide advice on life, mortgage, personal income protection, or investment policies but can refer you to associates who are licensed to provide advice on such products. We offer financial advice on the following general insurance products: - Business Insurance - Liability Insurance - Personal / Domestic Insurance - Travel Insurance - Construction Insurance - Vehicle/Fleet Insurance - Marine Insurance - Other Fire & General Insurance products We have access to most insurance markets in New Zealand (excluding direct insurers) along with access to overseas markets as required. --- ## Commission, Fees, Expenses, or Other Amounts Payable We receive brokerage/commission (**5%–25%**) for essentials such as pre-risk inspection, preparing detailed submissions, going to the insurance market to arrange competitive quotes, and processing in outsourced software/broker portals as assigned and authorized nodal point between the Insured and Insurer during the currency of the policy. We do not charge a fee for the advice given to you but may charge a fee to implement that advice. This fee will be based on personalized visits, the amount of work, and time required to provide and implement our advice to you. This includes one-time professional cost in servicing the client for the policy period. It will be shown on our invoice to you, payable on the payment of the premium. The amount of this fee will be disclosed either at the time the financial advice is provided or in your policy schedule or verbally or at renewal time. We may charge you a fee for altering or cancelling your general insurance policy on which we deploy our resources. Our commissions and fees compensate us for maintaining compliance, includes performing time-bound activities such as arranging certificates, processing, premium funding, site visits, 24x7 customer service (online, live telechat, video conferencing, site visits at claim time, addressing insurance matters with third party, your Lawyer/Accountant) and in making claim cycle friendly. In some circumstances, we may recommend another service provider to assist us in providing appropriate financial advice. These providers can include property valuers, property surveyors, and motor vehicle valuers. These providers will charge a fee for the work they do. We will advise you of any such related fees and charges before having them commence any work on your behalf. --- ## Cancellation Fees We will complete a needs analysis with you to understand your personal circumstances and make recommendations to provide you with adequate cover. Most of our time is involved in the placement of your policy and protecting your property to minimize the financial impact when things go wrong. So, in the event you cancel your insurance policies with us, we maintain the right to retain all or part of commission and/or fees to offset these against any refund owed to you. We may also, at our discretion, charge a cancellation fee for our administrative time incurred in cancelling your policies. We will disclose to you, at the time of cancellation, the amount of the cancellation fee charged. --- ## Authority to Renew We will automatically renew your policies that you have arranged with us to ensure continuity of cover in the event you are away when your policy renews, or we have been unable to meet or otherwise confirm changes. Upon renewal, we will send you the Renewal Documents, and if you want to make any changes in the sum insured, then you need to advise us so that we can get general market offers and make recommendations accordingly to ensure you have an insurance program fit for purpose. --- ## Conflicts of Interest and Commissions or Other Incentives The amount of brokerage/commission we receive is calculated as a percentage of the invoice without GST, EQC, and Government levies, if any. We pay our staff a salary and may pay bonuses and other incentives. Your financial adviser may receive indirect benefits from insurers and premium funders, such as business lunches, tickets to sporting and/or cultural events, or corporate promotional merchandise valued up to **$100**, which may create conflicts. To manage these conflicts, we follow a process that ensures that this in no way influences our decision-making, with recommendations purely based on merits and your circumstances. All our team undergo training to manage conflicts. We recognize that the above commissions and incentives may create conflicts of interest. To manage these conflicts, we follow an advice process that ensures our recommendations are made based on your financial goals and circumstances. We may, however, choose to rebate all or some commissions and charge you a fee based on the nature of the service we provide. We are a member of **Steadfast NZ Limited (Steadfast)**. Steadfast supplies technology platforms, management, marketing, professional, technical, and buying benefits, and services to support us in providing our financial advice services. --- ## Terms of Payment We will invoice you for the premium, statutory charges, and similar charges (e.g., EQC, FENZ levy, etc.), along with any fees we charge for arranging, altering, or cancelling your insurances. You must honour the payment terms specified on the invoice. As most General Insurance products have a 12-month duration, failure to pay the premium on time may result in the insurer cancelling the insurance contract. The insurer may also impose a short-term penalty premium for the time the risk was covered. We can facilitate payment through monthly instalments from a company that provides premium funding. Payment by monthly instalments will include an administration fee and interest charge, payable to the premium funding company. --- ## Duties Our advisers provide financial advice to clients on behalf of Fundagroup Insurance Brokers Ltd, and we believe in delivering the most appropriate advice, built upon our four core pillars: 24x7 Service, Personalized Relationship, Claim Advocacy, and Value-Based Pricing. We are bound by duties under the Financial Markets Conduct Act 2013. Our adviser: - Holds a **Level 5 New Zealand Certificate in Financial Services** - Meets certain standards of competence, knowledge, and skill, as set by the Code of Professional Conduct for Financial Advice Services (Code of Conduct). These have been designed to ensure that we have the relevant expertise to provide you with advice. - Takes reasonable steps to ensure that you understand the nature and scope of the advice provided and lets you know if there are any limitations. This will help you ensure that the advice provided meets your goals and immediate objectives. - Gives priority to your interests, taking all reasonable steps to ensure that advice isn't materially influenced by our own interests. - Exercises a prudent level of care, diligence, and skill. - Meets certain standards of ethical behavior, conduct, and client care as required by the Code of Conduct. These are designed to ensure that we treat you appropriately and provide suitable advice. - Makes certain disclosure information available to you at specific times, for example when advice is provided. False, misleading, or incomplete information must not be provided. --- ## Complaints If you are unhappy with our financial advice service, please contact your financial adviser so that he or she can try to put things right. Your adviser will attempt to resolve any issue of dissatisfaction with you immediately. If the matter cannot be resolved to your satisfaction, the adviser will escalate the complaint to his or her manager, notifying you accordingly. If you do not feel comfortable discussing your concerns with your adviser anymore, you can contact us as follows: - **Phone:** 09 278 8800 (9:00 AM – 5:00 PM, weekdays) - **Email:** admin@fundagroup.co.nz - **Post:** 39 East Tamaki Road, Papatoetoe 2025 — attention: Office Manager --- ## How Your Complaint Will Be Handled We will send you an acknowledgment of your written complaint within **five working days** of your complaint being notified to us. This letter will provide you with our timeline to respond to you and the name of the manager who will be managing our response. The manager will investigate and contact you to try to resolve the complaint to your satisfaction. It is important that you provide this person with all relevant information. We will provide you with a written update within **30 working days** of receiving your complaint. If we are unable to provide a full response to you at that point, our letter will explain why we are not yet in a position to do so and tell you when we will next contact you. **40 working days** after the receipt of your complaint, we will issue a final resolution. If we need to continue our review past this point, we will explain to you the reason for the delay and the required timeframe to provide a full response. At this point, if you feel that the delay is unsatisfactory, you can redirect your complaint to our external dispute resolution service provider detailed below. --- ## If We Are Unable to Resolve Your Complaint We expect that our response to you will have addressed the concerns you have raised. If you feel that your concerns have not been appropriately considered, we invite you to submit any further information for consideration. If we are unable to resolve your complaint despite our best efforts, you can contact our external dispute resolution scheme, which provides a **free and independent** dispute resolution service. ### Financial Services Complaints Limited (FSCL) PO Box 5967, Wellington 6011 Level 4, 101 Lambton Quay, Wellington 6140 **Telephone:** 0800 347 257 **Email:** info@fscl.org.nz --- *A downloadable PDF version of this Disclosure Statement is available at:* `https://fundagroup.co.nz/public/front_assets/document/Disclosure.pdf` --- ## https://financeadvisers.co.nz/api/provider/FSP33521/disclosure.md > _Markdown transcription of Howden Commercial And Affinity Limited's Public Disclosure Statement, version 2026-05-23. Source: https://www.howdengroup.com/sites/newzealand.howdenprod.com/files/inline-files/Howden%20Broking%20NZ%20-%20Public%20Disclosure%20Statement.pdf._ --- # Howden Disclosure Statement ## Licensing Information Howden Commercial and Affinity Limited (FSP 33521), Howden Broking Limited (FSP 1001677) and Wallace McLean Limited (FSP 39628) are all Financial Advice Providers (FAP) licensed and regulated by the Financial Markets Authority to provide financial advice. Insurance Underwriters (NZ) Limited (IUNZ) (FSP 442446) and Prosper Insurance Limited (FSP728971), also related companies of Howden, are authorised bodies acting under the full licence of Howden Commercial and Affinity Limited. ## Nature and scope of advice Howden and our financial advisers provide financial advice relating to contracts of insurance, whether it is commercial and domestic insurance products, or life insurance products. Howden is not an insurer. Howden provides financial advice in relation to insurance products that are provided by insurers. [Click here to see the list of insurers we use.](https://howdeninsurance.co.nz) Depending on the advice you require, we may approach other insurers, however we will advise you if this occurs. We will usually act on your behalf and in your interests in all matters, however, where we have negotiated facilities such as binding or agency agreements, we may act as an agent of the insurer and not for you. We will tell you when we act under a binder or agency to arrange your insurance, advise you about your insurance needs or manage claims on behalf of the insurer. Our related company, IUNZ, operates separately from Howden as an underwriting agency for insurer clients. We have conflicts of interest policy and processes to ensure that the services provided by IUNZ are separate and distinct from the insurance services Howden provides to you. ## Fees or expenses Howden may be paid: - Fees only - Commission only, or - Both fees and commission ## Conflicts of interest and commissions Howden may receive a commission from the insurers through which we place business. The commission is paid to us by the Insurer (product provider) based on each insurance policy that you purchase. The commission only applies to the company premium and natural disaster premium portion of the total premium and excludes any fire and emergency levies, EQ levies or other government charges. We will provide more specific details of these commissions once we have talked to you and understand your needs. 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 requirements, goals, and circumstances. We have a conflicts of interest policy and procedure, including training and monitoring, to ensure we are aware of and manage any conflicts of interest. The company, staff and our advisers must comply with this policy and procedure. Where relevant, we will only provide advice in circumstances where we are able to appropriately manage a conflict of interest. Howden may also receive a commission and/or pay a commission to referral partners who refer clients to Howden (or vice versa). Howden may offer to arrange premium funding to assist you to spread the cost of your insurance premiums. When Howden assists to arrange premium funding, we act as agent for the premium funder in facilitating and administrating the premium funding arrangement. We do not act as your credit provider or finance broker and do not provide any advice to this effect. Howden may receive a commission for these services provided to the premium funder. ## Complaints handling and dispute resolution If you are not satisfied with our service or financial advice, please tell us as soon as possible. Initially, please raise your concern with the adviser concerned and if it is not satisfactorily resolved, then email: complaints.pacific@howdengroup.com 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 immediately, we will acknowledge your complaint within 2 business days. We may contact you to get further information about your complaint. - We aim to resolve complaints within 10 working days of receiving them. If we need more time to investigate your complaint, we will let you know when you can expect to receive a response to your complaint. - 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 cannot agree on how to fix the issue, or if you decide not to use our internal complaints process, you can contact our external disputes resolution scheme, all of whom provide a free and independent dispute resolution service that may help you resolve your complaint if we haven't been able to do so to your satisfaction. ### For Howden Broking Limited, contact: **Insurance & Financial Services Ombudsman Scheme Inc. (IFSO)** | Contact Method | Details | |---|---| | Website | https://www.ifso.nz/ | | Call | 0800 888 202 | | Email | info@ifso.nz | | Write to | PO Box 10-845, Wellington 6143 | ### For Howden Commercial and Affinity Limited and Wallace McLean Limited, contact: **Financial Services Complaints Ltd (FSCL)** | Contact Method | Details | |---|---| | Website | https://fscl.org.nz/ | | Call | 0800 347 257 | | Email | info@fscl.org.nz | | Write to | PO Box 5697, Wellington 6140 | ## Duties Howden and our advisers 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; - exercise care, diligence, and skill; - meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services; - meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services. ## Contact details | Contact Method | Details | |---|---| | Call | 0800 500 510 | | Email | broking.nz@howdengroup.com | | Write to | PO Box 784 Shortland Street, Auckland 1140 | A written copy of this information is available upon request. --- ## https://financeadvisers.co.nz/api/provider/FSP34022/disclosure.md > _Markdown transcription of Affiliated Insurance Brokers Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.affiliated.nz/disclosure.html._ --- # Disclosure — Affiliated Insurance Brokers --- ## Licence Status and Conditions **Affiliated Insurance Brokers Limited, FSP34022**, and **Affiliated Insurance Brokers (Waikato) Limited, FSP770973**, **Affiliated Insurance Brokers (Auckland) Limited, FSP0006477**, **Affiliated Insurance Brokers (BOP) Limited, FSP1009854** (we, our) hold financial advice provider licences, issued by the Financial Markets Authority, to provide financial advice. It is a condition of our licence that we, together with any person giving advice on our behalf, can only provide advice on general insurance products. --- ## Nature and Scope of Financial Advice Service We engage financial advisers to provide financial advice on general insurance products on our behalf. These are policies that insure your personal or business assets or protect you or your business assets, liabilities and business income. We are not able to provide advice on personal income protection or investment policies but are able to refer you to associates who are licensed to provide advice on such products. We have access to most insurance markets in New Zealand (excluding direct Insurers) along with access to overseas markets as required. A list of the types of general insurance we can provide financial advice on and the product providers who provide such insurance products can be found at [Business Insurance](https://www.affiliated.nz/business-insurance.html) and [Personal Insurance](https://www.affiliated.nz/personal-insurance.html). --- ## Fees, Expenses or Other Amounts Payable Our remuneration is paid by the insurance providers that we place the insurance policy with on your behalf, by way of commission. However, we may charge a fee for the advice given to you and for implementing that advice. If a fee is to be charged it will be based on the amount of work and time required to provide and implement our advice and will be shown on our invoice to you, payable on payment of your premium. The amount of any fee will be discussed with you and disclosed either at the time we know the scope and nature of the advice required or when we provide our advice to you. --- ## Premium Funding Premium funding products enable you to pay the insurance premium over the term of your policy by instalments rather than as one amount. Premium funders charge interest, and they take a power of attorney over your insurance policy; this means they have the ability to cancel your insurance policy if you fail to pay an instalment. We have facilities with several premium funders and if you enter into such an arrangement the premium funder may pay us a commission as a percentage of the amount they fund. The % amount of this commission will be disclosed to you when we know the scope and nature of the advice required and whether you intend to utilise the services of a particular premium funder. Commission will be paid to us directly from the premium funder. We (or our shareholders) own **Chartwell Premium Funding Limited (CPF)** and **Chartwell Premium Funding (Waikato) Limited**, **Chartwell Premium Funding (Auckland) Limited** premium funding companies. One of these companies may fund your premium allowing you to spread the payments over the terms of your policy. --- ## Conflicts of Interest and Commissions or Other Incentives **Affiliated Insurance Brokers Limited, Affiliated Insurance Brokers (Waikato) Limited, Affiliated Insurance Brokers (Auckland) Limited** and **Affiliated Insurance Brokers (BOP) Limited** will receive commission from the insurance companies on whose policies we give advice. If you decide to take out a policy, the insurer will pay us commission based on the premium that you pay. We are a member of **Steadfast NZ Limited (Steadfast)**. Steadfast supplies technology platforms, management, marketing, professional, technical, and buying benefits and services to support us in providing our financial advice services. Steadfast has arrangements with insurance companies under which Steadfast receives a professional services fee of up to **1.5%** of the premium paid for each policy arranged by us with those insurers. Steadfast may also receive a fee of **0.5%** of any amount a customer has funded through a premium funder. These payments are used to operate Steadfast. We will receive a proportion of the professional services fee paid to Steadfast, being **35%** of that fee. This will be paid to us by Steadfast at the end of each financial year. A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute, including in respect of liability. In this instance the adviser would clearly disclose the conflict of interest to the clients and would refer one of these clients to another of our financial advisers for further advice and assistance. We manage all conflicts of interest, ensuring our financial advisers prioritise your interests above their own, by following an advice process that ensures our recommendations are made on the basis of your needs and circumstances. All of our financial advisers complete training to understand and manage conflicts of interest. We maintain a register of conflicts of interests and any gifts and other incentives that we may receive. We review our compliance programme annually. --- ## Duties **Affiliated Insurance Brokers Limited, Affiliated Insurance Brokers (Waikato) Limited, Affiliated Insurance Brokers (Auckland) Limited** and **Affiliated Insurance Brokers (BOP) Limited**, and our financial advisers are bound by the following duties under the Financial Markets Conduct Act 2013 to: - Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and - Give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and - Exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. --- ## Related Documents The following documents are available on the Affiliated Insurance Brokers website: - [Privacy Policy](https://www.affiliated.nz/privacy-policy.html) - [Complaints & Dispute Resolution](https://www.affiliated.nz/complaints--dispute-resolution.html) - [Terms of Business – Wellington](https://www.affiliated.nz/terms-of-business-wellington.html) - [Terms of Business – Waikato](https://www.affiliated.nz/terms-of-business-waikato.html) - [Terms of Business – Auckland](https://www.affiliated.nz/terms-of-business-auckland.html) - [Terms of Business – Bay of Plenty](https://www.affiliated.nz/terms-of-business-bay-of-plenty.html) - [Chartwell Premium Funding Privacy Policy](https://www.affiliated.nz/chartwell-premium-funding-privacy-policy.html) --- ## https://financeadvisers.co.nz/api/provider/FSP3421/disclosure.md > _Markdown transcription of Vision Insurance (s.i.) Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.visioninsurance.co.nz/company-disclosure-statement._ --- # Company Disclosure Statement ## Vision Insurance (SI) Ltd Disclosure Statement --- ### Who are we? **Name of Financial Advice Provider:** Vision Insurance (SI) Ltd **Trading names:** Vision Insurance **Telephone Number:** 03 307 1990 **Address:** 73 Burnett Street, Ashburton 7700 **Email address:** enquiries@visioninsurance.co.nz **Website:** [www.visioninsurance.co.nz](https://www.visioninsurance.co.nz/) --- ### It is important that you read this information It will help you (the client) make an informed decision whether we (Vision Insurance (SI) Ltd) and our adviser's financial advice and products are suitable for your needs and whether to seek, follow or accept the financial advice. This Disclosure Statement is required under the Financial Markets Conduct (Regulated financial advice Disclosure) Amendment Regulations 2020. --- ### What sort of advisers are we? We are a licensed Financial Advice Provider by the Financial Market Authority of New Zealand (FMA) [https://www.fma.govt.nz/](https://www.fma.govt.nz/). Financial Services Legislation Amendment Act 2019 requires Vision Insurance (SI) Ltd 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/](https://fsp-register.companiesoffice.govt.nz/) and search our Financial Service Provider (FSP) number **FSP3421**, or click on the link to go directly to our registration: https://app.companiesoffice.govt.nz/fsp/app/ui/fsp/version/searchSummaryCompanyFSP/FSP3421.do As a Licensed Financial Advice Provider, we have Standard Conditions on our license. These conditions are not specific to Vision Insurance (SI) Ltd 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 and restrict the advice we may give: | Condition | Limits & Restrictions | |---|---| | None | None | --- ### What financial advice can we provide to you? Vision Insurance (SI) Ltd 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 under 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: [https://www.rbnz.govt.nz/regulation-and-supervision/insurers/licensing/register](https://www.rbnz.govt.nz/regulation-and-supervision/insurers/licensing/register) Vision Insurance (SI) Ltd's 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 Vision Insurance (SI) Ltd 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. --- ### What fees do we charge? We may charge clients fees 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 you choose to accept and purchase. The total fees payable may increase with the number of insurance policies that you choose to purchase. The fees are payable by you and are due by the effective date of the policy which is on the invoice. Our fees are also clearly itemised with our payment terms which are on our website: [www.visioninsurance.co.nz/termsoftrade](https://www.visioninsurance.co.nz/termsoftrade) --- ### 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 on the basis of your individual goals and circumstances. Our advisers complete annual and ongoing training about how to manage conflict of interests and a register of interests is maintained. We monitor these registers and provide additional training where necessary. We perform an annual review of our compliance programme. You should be aware 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? Vision Insurance (SI) Ltd and our Advisers **do not** receive any commission or other incentives for giving Financial Advice. Vision Insurance (SI) Ltd and our advisers **do receive** commission when the client accepts our financial advice and purchases an insurance policy. The commission is paid by the Insurer (product provider's) for the insurance business on each insurance policy that the Client purchases. **Commission range: 0–30% of the insurer portion** (total premium of the Insurance Policy less government levies and taxes). #### NZbrokers Management Limited We are 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 us. When a client accepts our financial advice and purchases a policy, NZbrokers may 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 other reliability events that would influence you the client in deciding whether to seek or obtain advice from us or our advisers. --- ### How to make a Complaint If you have a problem, concerns 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.visioninsurance.co.nz/complaints](https://www.visioninsurance.co.nz/complaints) 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 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 our complaints process, or you are unsatisfied with the response or resolution, you can contact **Financial Services Complaints Ltd (FSCL)**. 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. How to make a complaint to FSCL: [http://www.fscl.org.nz/complaints/how-make-complaint](http://www.fscl.org.nz/complaints/how-make-complaint) **Contact FSCL:** - **Postal Address:** P.O. Box 5967, Wellington 6145 - **Email:** [info@fscl.org.nz](mailto:info@fscl.org.nz) - **Telephone:** 0800 347 257 - **Website:** [http://www.fscl.org.nz/](http://www.fscl.org.nz/) --- ### What are our advisers' duties? Our advisers give financial advice to clients on Vision Insurance (SI) Ltd's behalf. When giving advice all our advisers must: - Hold a Level 5 New Zealand Certificate in Financial Services (by 15 March 2023) - Maintain competence, knowledge and skills for giving financial advice by completing continuing professional development - Abide by the Code of Professional Conduct for Financial Services and have Ethical behaviour, good conduct and provide client care: [https://www.mbie.govt.nz/assets/a96d1b4800/code-of-professional-conduct-for-financial-advice-services.pdf](https://www.mbie.govt.nz/assets/a96d1b4800/code-of-professional-conduct-for-financial-advice-services.pdf) - Listen to the client carefully to discover their needs - Recommend products or services that meet the client needs and explain why - Give clear and concise communication - Protect clients' information - Give priority to the client's interests when giving financial advice --- ### Who licenses and regulates us? The **Financial Markets Authority (FMA)**. You can report information about us to the Financial Markets Authority at: [https://www.fma.govt.nz/contact/](https://www.fma.govt.nz/contact/) or email [questions@fma.govt.nz](mailto:questions@fma.govt.nz). If you want to complain you should 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: 9th March 2021. Updated: 10th March 2021.* --- > **Linked sub-documents:** > - Complaints process: [www.visioninsurance.co.nz/complaints](https://www.visioninsurance.co.nz/complaints) > - Terms of Trade (fee schedule): [www.visioninsurance.co.nz/termsoftrade](https://www.visioninsurance.co.nz/termsoftrade) --- ## https://financeadvisers.co.nz/api/provider/FSP34324/disclosure.md > _Markdown transcription of McDonald Everest Insurance Brokers Limited's Public Disclosure Statement, version 2026-05-23. Source: https://www.mcdev.co.nz/wp-content/uploads/2025/03/mcdonald-everest-insurance-brokers-limited-company-disclosure-statement.pdf._ --- # McDonald Everest Insurance Brokers Limited — Company Disclosure Statement ## Who are we? | | | |---|---| | Name of Financial Adviser Provider | McDonald Everest Insurance Brokers Limited | | Telephone Number | +64 6 7581199 | | Address | 158 Powderham Street, New Plymouth 4310 | | Email address | info@mcdev.co.nz | | Website | https://www.mcdev.co.nz | ## It is important that you read this information It will help you (the Client) make an informed decision whether we, McDonald Everest Insurance Brokers Limited, and our adviser's financial advice and products are suitable for your needs and whether to seek, follow or accept the Financial Advice. This Disclosure Statement is required under the Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendment Regulations 2020. ## What sort of Advisers are we? We are a licensed Financial Adviser Provider by the Financial Market Authority of New Zealand (FMA) https://www.fma.govt.nz/ Financial Services Legislation Amendment Act 2019 requires us 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 **FSP34324**. As a Licensed Financial Advice Provider, we have Standard Conditions on our license, these conditions are not specific to us and does not limit or restrict Advice that may be given. ## What Financial Advice can we provide to you? McDonald Everest Insurance Brokers Limited and our advisers give Financial Advice on general and fire Insurance Products for Retail and Wholesale 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. Insurance product providers for McDonald Everest Insurance Brokers Limited, 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 McDonald Everest Insurance Brokers Limited 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. ## What fees do we charge? We may charge clients fees 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 you choose to accept and purchase. The total fees payable may increase with the number of insurance policies that you choose to purchase. The fees are payable by you and are due by the effective date of the policy which is on the invoice. ## 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 on the basis of your individual goals and circumstances. Our advisers complete annual and ongoing training about how to manage conflict of interests 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 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? McDonald Everest Insurance Brokers Limited and our Advisers **do not receive** any commission or other incentives for giving Financial Advice. McDonald Everest Insurance Brokers Limited and our advisers **do receive** commission when the client accepts our financial advice and purchases an insurance policy. The commission is paid by the Insurer (product provider's) for the insurance business on each insurance policy that the Client purchases. **The commission is paid to us and our Advisers can be between the range of 0-30% of the insurer portion (total premium of the Insurance Policy less government levies and taxes).** We may agree with you a separate service fee to be paid by you in lieu of commission or in addition to any commission we may receive from insurers Our Financial Advisers receive an annual salary from us which may include bonuses based on client service performance and achievement of Company goals. ### NZbrokers Management Limited We are 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 us. When a client accepts our financial advice as your adviser and purchases a policy NZbrokers may receive a service fee or technology fee from the Product Provider. ### 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, it does not act as your credit provider or finance broker, but we act as an agent for the funding company who is your premium funder. ## How can you depend on the Advice you receive? We have not been subject to any other reliability events that would influence you the Client in deciding whether to seek or obtain advice from us or our Adviser's. ## How to make a Complaint? If you have a problem, concerns or you are dissatisfied with either a product or financial advice service that has been provided by us or one of 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 McDonald Everest Compliments and Complaints which will give details on our Complaints Process and how to make a complaint. If a complaint is received by us 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 will be made to resolve your complaint in a timely manner, with staff escalating as necessary to Senior Management or 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 our complaints process, or you are unsatisfied with the response or resolution, you can contact **Financial Services Complaints Ltd (FSCL)** is a dispute resolution scheme who we are a member of. This service will cost you nothing and is 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 Financial Services Complaints Limited https://fscl.org.nz/make-a-complaint/the-complaints-process/ You can contact FSCL at: | | | |---|---| | Postal Address | P.O. Box 5967, Wellington 6145 | | Email | info@fscl.org.nz | | Telephone | 0800 347 257 | | Website | http://www.fscl.org.nz/ | ## What are our Advisers duties? Our Advisers give financial advice to clients on McDonald Everest Insurance Brokers Limited behalf. When giving advice all 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 and have Ethical behaviour, good conduct and provide Client Care. Click here for the Code of Professional Conduct or for McDonald Everest Client Service Standards Statement. * Listen to the client carefully to discover their needs. * Recommend products or services that meet the client needs and explain why. * Give clear and concise communication. * Protect client 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 at: https://www.fma.govt.nz/contact/ or email questions@fma.govt.nz but if you want to complain you should 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:** 1st March 2021 **Updated:** 4th February 2025 --- ## https://financeadvisers.co.nz/api/provider/FSP34627/disclosure.md > _Markdown transcription of Ofs Insurance Brokers Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.ofs.nz/disclosure-statement._ --- # OFS Insurance Brokers Limited — Disclosure Statement **[Download PDF Version](https://www.ofs.nz/assets/OFS-Insurance-Broker-Limited-Disclosure-Statement-Aug-2025.pdf)** --- ## Who are we? **Name of Financial Adviser Provider:** OFS Insurance Brokers Limited **Trading names:** OFS Insurance Brokers **Telephone Number:** 03 471 8335 **Address:** Level 4, 151–155 Princes Street, Dunedin, 9016 **Email address:** enquiries@ofs.nz **Website:** www.ofs.nz --- ## It is important that you read this information It will help you (**the client**) make an informed decision whether we (**OFS Insurance Brokers**) and our adviser's financial advice and products are suitable for your needs and whether to seek, follow or accept the financial advice. This Disclosure Statement is required under the Financial Markets Conduct (Regulated financial advice Disclosure) Amendment Regulations 2020. --- ## What sort of advisers are we? We are a licensed financial adviser Provider by the Financial Market Authority of New Zealand (FMA). The Financial Services Legislation Amendment Act 2019 requires OFS Insurance Brokers to hold a current licence for our Advisers to provide Financial Advice Services to you the client. To view our registration and OFS licence go to the Financial Service Providers Register at https://fspregister.companiesoffice.govt.nz/ and search our Financial Service Provider (FSP) number **FSP34627**. As a Licensed Financial Advice Provider, we have standard conditions on our licence. These conditions are not specific to OFS Insurance Brokers and do not limit or restrict advice that may be given. --- ## What financial advice can we provide to you? OFS Insurance Brokers and our advisers give financial advice on **Insurance Products for Commercial and Domestic clients**. --- ## Insurance Product Providers A list of the Insurance Product Providers that OFS places insurance policies with can be found at: https://www.ofs.nz/assets/OFS-Insurer-Product-Providers.pdf --- ## Limitations and restrictions OFS Insurance Brokers are 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.** --- ## What fees do we charge? 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 you choose to accept and purchase. The total fees payable may increase with the number of insurance policies that you choose to purchase. --- ## How do we act with Integrity? To ensure that we and our advisors prioritise your interests above our own we follow an advice process that ensures recommendations are made based on your individual needs and circumstances (and not based on other factors, such as the amount of commission we may receive). Our advisors complete annual and ongoing training about how to manage conflicts of interest, and OFS maintains a Conflicts of Interest Register. We monitor these registers and provide additional training where necessary. OFS performs an annual review of the compliance programme. You should be aware 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 advisors. 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? OFS Insurance Brokers and our Advisors **do not receive** any commission or other incentives for giving Financial Advice. OFS **does receive** commission when the client accepts our financial advice and purchases an insurance policy. Our advisers are all paid salary, receive no commission and may receive additional income based on our performance. The commission is paid by the Insurer (product providers) for the insurance business on each insurance policy that the Client purchases. > **The commission paid to us can be between the range of 0–30% of the insurer portion (total premium of the Insurance Policy less government levies and taxes).** Payment of the premium, including any associated charges, is due within the credit terms which are shown on our tax invoice(s). OFS may also earn investment income from the handling of premium funds. Should you require OFS to arrange Premium Funding Facilities for you, OFS may receive commission from the premium funding company in connection with your premium funding facilities. ### NZbrokers Management Limited OFS is a member of NZbrokers Management Limited (**NZb**). NZb provides services such as IT, education, training, technical insurance product and claims support and group member benefits to OFS. When a client accepts our financial advice and purchases a policy, NZb may receive a service fee or technology fee from the Product Provider. ### AUB Group NZ Limited Our parent company, **AUB Group NZ Limited**, may receive a service fee from the insurer when you accept financial advice from OFS and purchase an insurance policy. In some cases, we may refer you or advise you to use the services of one of our related body corporates, for example one of the underwriting agencies within the AUB Group. All placements and referrals will be made independently and without any undue influence to ensure objectivity. --- ## How to make a Complaint If you have a problem, concerns, or you are dissatisfied with either a product or financial advice service that has been provided by us or our advisors and you require action to be taken, please tell us so that we can help and fix the issue. To make a complaint please visit: https://www.ofs.nz/complaints-policy 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 every attempt will be made to resolve your complaint in a timely manner, with staff escalating as necessary to Senior Management or Complaints Manager. You will receive a written decision, remedies, and resolution as soon as practicable after OFS has 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 OFS complaints process, or you are unsatisfied with the response or resolution, you can contact **Financial Services Complaints Ltd (FSCL)**. 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. **Postal Address:** P.O. Box 5967, Wellington 6145 **Email:** info@fscl.org.nz **Telephone:** 0800 347 257 **Website:** http://www.fscl.org.nz/ **Make a complaint:** https://fscl.org.nz/make-a-complaint/ --- ## What are our adviser's duties? Our advisers give financial advice to clients on OFS Insurance Broker's behalf. When giving advice all our advisers must: - Hold a Level 5 New Zealand Certificate in Financial Services or equivalent - Maintain competence, knowledge, and skills for giving financial advice by completing and continuing professional development - Abide by the Code of Professional Conduct for Financial Services and have ethical behaviour, good conduct and provide client care - Listen to you the client carefully to discover their needs - Recommend products or services that meet the client 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 at: https://www.fma.govt.nz/contact/ or email questions@fma.govt.nz If you want to complain you should 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: 01/08/2025* --- ### Linked Sub-documents - **PDF version of this Disclosure Statement:** https://www.ofs.nz/assets/OFS-Insurance-Broker-Limited-Disclosure-Statement-Aug-2025.pdf - **Insurance Product Providers list:** https://www.ofs.nz/assets/OFS-Insurer-Product-Providers.pdf - **Complaints Policy:** https://www.ofs.nz/complaints-policy/ - **Code of Professional Conduct for Financial Services:** https://financialadvicecode.govt.nz/wp-content/uploads/2021/03/codeofprofessionalconduct-march2021.pdf --- ## https://financeadvisers.co.nz/api/provider/FSP34684/disclosure.md > _Markdown transcription of Balance Wealth Limited's Public Disclosure Statement, version 2026-05-18. Source: https://balancewealth.co.nz/wp-content/uploads/2024/01/Balance-Wealth-Disclosure.pdf._ --- # Disclosure Balance Wealth Limited (FSP34684) holds a license issued by the Financial Markets authority to provide financial advice. ## What we do We provide advice to our clients about their investments. Our financial advisers provide financial advice in relation to KiwiSaver, managed funds and some direct equities and bonds. We only provide financial advice about products from certain providers: ### For KiwiSaver We choose to work only with Booster and do not provide advice on KiwiSavers from any other providers. ### For investment products We provide advice on a wide range of NZ and international based managed investment products. For some clients, we also advise on NZX50 and ASX200 equities, and NZ government and corporate bonds. ## Fees and Charges We do not charge for an initial meeting. For a full investment recommendation to be prepared, we will charge a set fee (subject to GST) if the advice is not implemented within a 90-day period, to cover the time spent on the advice. This fee will be quoted once the scope of the advice is known. If the advice is implemented, there is no initial fee. For ongoing investment advice and management, a percentage fee is charged based on the funds under management. This fee is charged monthly in arrears to the investment portfolio and is usually 1% pa of the funds under management. This is subject to GST. Balance Wealth Limited receives an adviser fee of 0.25-0.50% of the funds under management in KiwiSaver which is paid to us by Booster. We also receive a $30 one off initial payment from Booster for each new client investing in the Booster KiwiSaver Scheme. This is paid by Booster and not by Limited rec. For one-off advice or consultation, we will quote an hourly or fixed charge prior to commencing any work. ## Duties Information Balance Wealth Limited, 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. 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 https://www.fma.govt.nz. 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). ## Conflicts of Interest and Incentives To ensure that our financial advisers prioritise the client's interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the client's goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. All fees and commissions are received by Balance Wealth Limited and not by the adviser individually. All of our advisers are salaried employees and received no additional bonus or incentive payments. Balance Wealth Limited has a System and Service Level Agreement in place with Consilium NZ Limited (Consilium). Consilium is a private company incorporated in 2012 and provides access to institutional pricing, investment advisory research, portfolio and client management systems to financial advisers. Balance Wealth Limited pays to Consilium a monthly fee for all systems and services provided under this Agreement. ## Contact Details Balance Wealth (FSP34684) is the Financial Advice Provider. You can contact us at: - **Phone:** 07 343 7440 or 027 788 8298 - **Email:** info@balancewealth.co.nz - **Address:** 1160 Hinemoa Street, Rotorua 3010 ## Complaints Handling and Disputes Resolution If you are not satisfied with our financial advice service, you can make a complaint by emailing danielle@balancewealth.co.nz, or by calling: 07 343 7440. You can also write to us at: 1160 Hinemoa Street, Rotorua, 3010. 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 aren't satisfied with the way we propose to do so, you can contact the Financial Dispute Resolution Service. Financial Dispute Resolution Service 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. You can contact Financial Dispute Resolution Service by emailing enquiries@fdrs.org.nz, or by calling: 0508 337 337. You can also write to them at: Freepost 231075, PO Box 2272, Wellington 6140. --- ## https://financeadvisers.co.nz/api/provider/FSP35503/disclosure.md > _Markdown transcription of Vercoe Insurance Brokers Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.vercoes.co.nz/disclosure-and-regulation._ --- # Disclosure and Regulation — Vercoe Insurance Brokers NZ ## Individual Disclosure Statements The following advisers have individual disclosure statements available. Each statement is dated **27 January 2026**. | Adviser | Disclosure Form | |---|---| | Adrienne Madden | [View Disclosure Form](https://cdn.prod.website-files.com/6658f603a39cbb1e829dd221/69781d0d3d24b9fcda6f1e8c_Individual%20Disclosure%20Statement%20AM%20-%2027%20Jan%202026.pdf) | | Linda Vercoe | [View Disclosure Form](https://cdn.prod.website-files.com/6658f603a39cbb1e829dd221/69781d24a1d6df028445153b_Individual%20Disclosure%20Statement%20LV%20-%2027%20Jan%202026.pdf) | | Lisa Hawke | [View Disclosure Form](https://cdn.prod.website-files.com/6658f603a39cbb1e829dd221/69781d380927514e57d31309_Individual%20Disclosure%20Statement%20LH%20-%2027%20Jan%202026.pdf) | | Rhiannon Wharepapa | [View Disclosure Form](https://cdn.prod.website-files.com/6658f603a39cbb1e829dd221/69781d51501cbc241d641538_Individual%20Disclosure%20Statement%20RW%20-%2027%20Jan%202026.pdf) | | Ivana Vink | [View Disclosure Form](https://cdn.prod.website-files.com/6658f603a39cbb1e829dd221/6978233c7b34eadf67ba9988_Individual%20Disclosure%20Statement%20IV%20-%2027%20Jan%202026.pdf) | | Rhianna Annear | [View Disclosure Form](https://cdn.prod.website-files.com/6658f603a39cbb1e829dd221/69782351901a7c70a900fba7_Individual%20Disclosure%20Statement%20RA%20-%2027%20Jan%202026.pdf) | | Aleisha Bonnar | [View Disclosure Form](https://cdn.prod.website-files.com/6658f603a39cbb1e829dd221/697823663f62ba99e5a39b7e_Individual%20Disclosure%20Statement%20AB%20-%2027%20Jan%202026.pdf) | | Vicki McKee | [View Disclosure Form](https://cdn.prod.website-files.com/6658f603a39cbb1e829dd221/69782378595faf901f85f0d3_Individual%20Disclosure%20Statement%20VM%20-%2027%20Jan%202026.pdf) | | Sayuri Hewawasam | [View Disclosure Form](https://cdn.prod.website-files.com/6658f603a39cbb1e829dd221/69782389a2a84df0581fed84_Individual%20Disclosure%20Statement%20SH%20-%2027%20Jan%202026.pdf) | | Anna Marneth-Rust | [View Disclosure Form](https://cdn.prod.website-files.com/6658f603a39cbb1e829dd221/69782446d988ea05c4e9c0cf_Individual%20Disclosure%20Statement%20AMR%20-%2027%20Jan%202026.pdf) | | Kelly Chevis | [View Disclosure Form](https://cdn.prod.website-files.com/6658f603a39cbb1e829dd221/697823a8d040cd7c26ba463d_Individual%20Disclosure%20Statement%20KC%20-%2027%20Jan%202026.pdf) | | Claire Turner | [View Disclosure Form](https://cdn.prod.website-files.com/6658f603a39cbb1e829dd221/697823b6318c8f1ed6588378_Individual%20Disclosure%20Statement%20CT%20-%2027%20Jan%202026.pdf) | | Jacinda Mitchell | [View Disclosure Form](https://cdn.prod.website-files.com/6658f603a39cbb1e829dd221/697823cf809a100611fe42fb_Individual%20Disclosure%20Statement%20JM%20-%2027%20Jan%202026.pdf) | | Michael Pickett | [View Disclosure Form](https://cdn.prod.website-files.com/6658f603a39cbb1e829dd221/697823e8b8a150b8cdecef58_Individual%20Disclosure%20Statement%20MP%20-%2027%20Jan%202026.pdf) | | Loren Dunseath | [View Disclosure Form](https://cdn.prod.website-files.com/6658f603a39cbb1e829dd221/697823f946fc611ea521640d_Individual%20Disclosure%20Statement%20LD%20-%2027%20Jan%202026.pdf) | | Yasmin Ward | [View Disclosure Form](https://cdn.prod.website-files.com/6658f603a39cbb1e829dd221/6978241bc50267b7b1c5892a_Individual%20Disclosure%20Statement%20YW%20-%2027%20Jan%202026.pdf) | --- ## Privacy Policy We have refreshed our Privacy Policy to reflect updates to the Privacy Act 2020. It covers what information we collect, how we use it, and when we share it. The new policy applies from **1 May 2026**. Our privacy policy ensures transparency, legal compliance, and security. We are dedicated to protecting your data from unauthorised access, breaches, or misuse. [View our Privacy Policy](https://cdn.prod.website-files.com/6658f603a39cbb1e829dd221/69e98d328e7c352de7f95b38_2026%20VIB%20Privacy%20Policy.pdf) --- ## Complaints We take complaints seriously and always aim to find the best outcome for you. Further information is available at [vercoes.co.nz/complaints](https://www.vercoes.co.nz/complaints). --- *Note: The detailed disclosure content (including FAP licence details, scope of advice, fees, commissions, conflicts of interest, dispute resolution scheme, and professional indemnity insurance details) is contained within each adviser's individual disclosure statement PDF linked above. The web page itself links to those sub-documents but does not reproduce their content inline.* --- ## https://financeadvisers.co.nz/api/provider/FSP35761/disclosure.md > _Markdown transcription of Primesure Brokers Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.primesure.co.nz/disclosure-statement-and-terms-of-trade/._ --- # Disclosure Statement and Terms of Trade — Primesure Insurance Brokers --- ## Who Are We? **Name of Financial Adviser Provider:** Runacres Insurance Limited **Name of Authorised Body:** Primesure Brokers Limited **Telephone Number:** 09 818 4247 **Address:** Level 1, Westgate Chambers, 2 Maki Street, Westgate Centre, Auckland 0814 **Website:** https://www.primesure.co.nz/ --- ## It Is Important That You Read This Information It will help you **(the Client)** make an informed decision whether we **(Primesure Brokers and Primesure Financial Services)** and our adviser's financial advice and products are suitable for your needs and whether to seek, follow or accept the Financial Advice. This Disclosure Statement is required under the Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendment Regulations 2020. --- ## What Sort of Advisers Are We? We are an Authorised Body by the Financial Market Authority of New Zealand (FMA) Financial Services Legislation Amendment Act 2019, which requires us 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 **Primesure Brokers Limited FSP35761.** As a Licensed Financial Adviser Provider, we have Standard Conditions on our license; these conditions are not specific to us and do not limit or restrict Advice that may be given. --- ## What Financial Advice Can We Provide to You? Primesure Brokers Limited and our advisers give Financial Advice on Insurance Products for Retail and Commercial 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. Primesure Brokers product providers are required to have financial strength ratings with a minimum of **A** 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 Primesure Brokers Limited 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 conflict of interests and a register of interests is maintained. We monitor these registers and provide additional training where necessary. We perform an annual review of our compliance programme. You should be aware there may be 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. --- ## What Fees Do We Charge? We may charge clients fees 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 you choose to accept and purchase. The total fees payable may increase with the number of insurance policies that you choose to purchase. The fees are payable by you and are due by the effective date of the policy which is on the invoice. Our Payment terms are also clearly itemised and available on our website under Terms of Trade. --- ## How Do We Get Paid for the Financial Advice and Products That We Provide to You? Primesure Brokers Limited and our General Insurance Advisers **do not receive** any commission or other incentives for giving Financial Advice. Primesure Brokers Limited **does receive** commission when the client accepts our financial advice and purchases an insurance policy. The commission is paid by the **Insurer** (product provider's) for the insurance business on each insurance policy that the Client purchases. **The commission is paid to us and can be between the range of 0–25.5% of the insurer portion (total premium of the Insurance Policy less government levies and taxes).** We may agree with you a separate service fee to be paid by you in lieu of commission or in addition to any commission we may receive from insurers. ### AUB Group We are part of the AUB Group. AUB Group NZ Limited may receive a service fee from the insurer when you accept financial advice from us and purchase an insurance policy. We may place your insurance with one or more underwriting agencies within the wider AUB Group, where AUB Group Limited is a shareholder. As a member of the same group, we may indirectly benefit from any such referral or advice if it improves group performance. Any placement or referral will be at arm's length. ### Company (Third-Party Referrals) In some cases, we may refer you to an external third-party intermediary or Financial Advice Provider (FAP). If you choose to purchase an insurance policy through the third party, we may receive a portion of the remuneration from them as a result of the referral. Any referral arrangement will not influence our obligation to act in your best interests. We will only make referrals where we believe the third party is appropriate for your needs and the services being provided. ### NZbrokers Management Limited We are 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 us. When a client accepts our financial advice and purchases a policy, NZbrokers may receive a service fee or technology fee from the Product Provider. ### 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. --- ## How Can You Depend on the Advice You Receive? We have not been subject to any other reliability events that would influence you the Client in deciding whether to seek or obtain advice from us or our Advisers. --- ## How to Make a Complaint? If you have a problem, concerns or you are dissatisfied with either a product or financial advice service that has been provided by us or one of our Advisers and you require action to be taken, please tell us so that we can help and fix the issue. Details of our Complaints Process and how to make a complaint are available at https://www.primesure.co.nz/compliments-and-complaints. If a complaint is received by us, 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 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 our complaints process, or you are unsatisfied with the response or resolution, you can contact **Financial Services Complaints Ltd (FSCL)**, 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. **Contact FSCL at:** | | | |---|---| | **Postal Address** | P.O. Box 5967, Wellington 6145 | | **Email** | info@fscl.org.nz | | **Telephone** | 0800 347 257 | | **Website** | http://www.fscl.org.nz/ | --- ## What Are Our Advisers' Duties? Our Advisers give financial advice to clients on Primesure Brokers' behalf. When giving advice all 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/wp-content/uploads/2025/10/financial-advice-code-of-conduct-2025.pdf) and have Ethical behaviour, good conduct and provide Client Care - Listen to the client carefully to discover their needs - Recommend products or services that meet the client needs and explain why - Give clear and concise communication - Protect client information - Give priority to the client's interests when giving financial advice Our Client Service Standards Statement is available at https://www.primesure.co.nz/client-service-standards-statement/ --- ## Who Licenses and Regulates Us? The Financial Markets Authority (FMA). You can report information about us to the FMA at: https://www.fma.govt.nz/contact/ or email questions@fma.govt.nz. If you want to complain, you should 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: 28 April 2026** --- *Note: This disclosure references the following linked sub-documents which were not reproduced here:* - *Terms of Trade: https://www.primesure.co.nz/terms-of-trade* - *Complaints Process: https://www.primesure.co.nz/compliments-and-complaints* - *Client Service Standards Statement: https://www.primesure.co.nz/client-service-standards-statement/* --- ## https://financeadvisers.co.nz/api/provider/FSP36405/disclosure.md > _Markdown transcription of Anz Bank New Zealand Limited's Public Disclosure Statement, version 2026-05-23. Source: https://www.anz.co.nz/content/dam/anzconz/documents/about-us/financial-advice-provider-disclosure-statement.pdf._ --- # Financial Advice Provider Disclosure Statement ## ABOUT US ANZ holds a Financial Advice Provider licence issued by the Financial Markets Authority to provide financial advice to retail clients. ANZ will provide financial advice through nominated representatives or financial advisers directly engaged by ANZ. ANZ will also provide financial advice directly from time to time (for example, through digital solutions). We also have arrangements with related companies allowing us to indirectly engage their employees as nominated representatives to provide financial advice for us. Those companies are unable to provide their own financial advice service. Our nominated representatives are also only permitted to provide financial advice for ANZ. ## WHAT FINANCIAL ADVICE SERVICES CAN ANZ PROVIDE? ANZ, and anyone we engage to provide financial advice for us, can provide financial advice only on the following products that ANZ, its subsidiaries, or the insurers named below offer: - ANZ bank accounts and term deposits; - ANZ home loans, personal loans, overdrafts, and credit cards; - KiwiSaver schemes issued by ANZ New Zealand Investments Limited ('ANZI'); - general insurance (Home, Contents, Car, Boat) issued by Vero Insurance New Zealand Limited; - the ANZ Investment Funds issued by ANZI; - the ANZ PIE Fund issued by ANZ Investment Services (New Zealand) Limited; - ANZ's discretionary investment management service; - derivatives issued by ANZ; and - a renewal or variation of the terms or conditions of any of the above products. ## WHAT FEES WILL YOU PAY FOR OUR FINANCIAL ADVICE SERVICES? We do not charge fees for providing financial advice services to you. ## CONFLICTS OF INTEREST For the purposes of the Financial Markets Conduct Act 2013, a conflict of interest means any interest of ANZ, ANZI, or persons engaged to give financial advice on our behalf which a client may find likely to materially influence our advice. A description of potential conflicts of interest relevant to our financial advice service are set out below. | Summary | Description of the potential conflict of interest | |---------|---------------------------------------------------| | KiwiSaver and other managed investment schemes provided by ANZI | ANZI receives fees when a customer invests in a KiwiSaver or other managed investment scheme that it provides. The fee charged is a management fee as a percentage of funds under management. The level of the management fee varies on a fund-by-fund basis. Further details regarding fees are contained in the product disclosure statement for the relevant scheme, or as set out on our webpage for the ANZ Default KiwiSaver Scheme. | | Staff remuneration | ANZ's employees and the nominated representatives we engage indirectly through related companies are eligible to receive variable remuneration from us in addition to their salary. This may comprise an amount, calculated and paid annually, based on a fixed percentage of their salary and allocated based on the performance of Australia and New Zealand Banking Group Limited (the parent company of ANZ). In addition, some employees and nominated representatives may be eligible to receive variable remuneration based on business and individual performance. All awards of variable remuneration are subject to the relevant employee or nominated representative meeting minimum standards of performance and conduct. | | ANZ's Markets team | Markets acts as a 'market maker', meaning that it offers prices to enter into transactions relating to a variety of currencies, assets and interest rates (financial instruments) and provides liquidity in those financial instruments. In carrying out these market making activities: • Markets may trade prior to or at the same time as your transaction and may modify and/or terminate its positions or otherwise take action for ANZ's own account to facilitate transactions with other counterparties, to manage risk, to source liquidity or for other reasons; • Markets may be trading in the same or related financial instruments for ANZ's own account that are the same, similar or opposite to your positions; and • ANZ is a contributor bank through its trading activity in the New Zealand bank bills market, which market will determine payments made under some derivative transactions, including New Zealand dollar interest rate swaps. | In addition to the conflicts of interest listed above, if you take up a product or service or enter into a transaction with us, we may benefit if we earn fees and/or other income from those products or services. ANZ's employees and the nominated representatives that we engage indirectly follow certain guidelines when providing financial advice to ensure the product recommended is suitable for the customer. ANZ's employees and nominated representatives do not receive incentives linked to the number of products they sell. ## COMMISSIONS ANZ will generally receive a commission when a customer decides to take out an insurance product offered by ANZ or when a customer is referred to and takes out insurance through an insurance partner. The commission will be payable to ANZ by the insurer, and is generally calculated as a percentage of the premium you pay. ANZ has a number of systems and controls in place to ensure that the conflicts of interest inherent in commissions are managed. For example: - ANZ regularly reviews the products it offers customers to ensure they remain fit for purpose; - Anyone providing financial advice on behalf of ANZ receives training on insurance products to ensure insurance is sold or referred appropriately; and - Anyone providing financial advice on behalf of ANZ follows guidelines when providing financial advice that are designed to ensure the product recommended is suitable for the customer. ## WHAT SHOULD YOU DO IF SOMETHING GOES WRONG? We're serious about providing excellent service. That's why your feedback is so important to us. If you have a problem or concern, we want to know so we can fix it as quickly as possible. We'll try to resolve the issue immediately. However, if we need to investigate the matter in more detail, we'll aim to resolve it to your satisfaction within 5 working days. If you have a suggestion about how we can do things better, we'd like to hear about it so we can improve our service. ### Contact us - **Online:** Use the online form on our website anz.co.nz/complaints or in the 'Contact Us' section of our goMoney app - **If you're registered for ANZ Internet Banking:** send us a secure BankMail - **By phone:** Call our ANZ Customer Feedback toll-free number 0800 560 555. If you are overseas, call +64 4 470 3142 (toll charges apply) - **In person:** Talk to the team at your nearest ANZ branch (anz.co.nz/locations), or give your relationship manager a call – they will try and fix things for you on the spot - **Email us:** enquiry@anz.com - **By mail:** ``` ANZ Customer Relations Freepost Authority 178634 Private Bag 92210 Victoria St West Auckland 1142 ``` If you have a problem or concern about a Markets product or service, please contact your ANZ Markets Dealer in the first instance. If you are not satisfied after speaking to your ANZ Markets Dealer, please contact ANZ's Derivatives Complaints Officer at Private Bag 92210, Victoria Street West, Auckland 1142 or by calling 0800 626 966. If you have concerns about how your complaint is being progressed or how it has been handled, you can ask our Customer Relations team to independently review the matter on your behalf. ### Banking Ombudsman Scheme If you feel we haven't resolved your concern satisfactorily, you can seek free and independent assistance from the Banking Ombudsman Scheme. Please note that before the Banking Ombudsman Scheme can formally investigate your complaint, it must first have been fully investigated by ANZ. The Banking Ombudsman Scheme can help customers resolve concerns and disputes with their bank. The Banking Ombudsman Scheme isn't able to consider all types of complaints – see the Banking Ombudsman Scheme website (bankomb.org.nz) for more information. #### How to contact the Banking Ombudsman Scheme: | | | |---|---| | **Address:** | Freepost 218002PO Box 25327Wellington 6140New Zealand | | **Website:** | bankomb.org.nz | | **Email address:** | help@bankomb.org.nz | | **Telephone number:** | 0800 805 950 or +64 4 915 0400 (from overseas) | ## WHAT ARE OUR OBLIGATIONS WHEN PROVIDING FINANCIAL ADVICE SERVICES? ANZ and anyone giving financial advice on our behalf have to meet certain duties under the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services ('Code'). These duties include: - meeting standards of competency, knowledge, and skill set out in the Code; - meeting standards of ethical behaviour, conduct, and client care set out in the Code; - giving priority to our clients' interests; and - exercising care, diligence, and skill when providing financial advice. You can find a full copy of the Code here: financialadvicecode.govt.nz --- ## https://financeadvisers.co.nz/api/provider/FSP36601/disclosure.md > _Markdown transcription of Omni Insurance Brokers Limited's Public Disclosure Statement, version 2026-05-23. Source: https://www.omniinsurance.co.nz/files/3316/7830/8282/Omni_Insurance_Brokers_Limited.pdf._ --- # Omni Insurance Brokers Limited Disclosure Statement ## It is important that you read this information It will help you make an informed decision whether Omni Insurance Brokers Limited and our advisers' financial advice and products are suitable for your needs and whether to seek, follow or accept the financial advice offered by us. ## Who we are Omni Insurance Brokers Limited (Omni) holds a Full Financial Advice Providers (FAP) licence issued by the Financial Markets Authority to provide financial advice. | | | |---|---| | **Financial Advice Provider** | Omni Insurance Brokers Limited (FSP – 36601) | | **Contact Details** | Level 1, 2A Pacific Rise, Mt WellingtonPO Box 128167, Auckland, 1541 | | **Phone** | 0800 55 22 22 or 09 578 2222 | | **Email** | info@omniinsurance.co.nz | | **Website** | www.omniinsurance.co.nz | Our registration can be viewed on the Financial Service Providers Register by going to their website and searching our FSP number 36601. As a FAP we have Standard Conditions on our license. These conditions are not specific to Omni and does not limit or restrict the advice that may be given by us. ## What financial advice we can provide to you Omni is committed to providing our clients with good financial advice that is suitable for our client's needs. Our advisers are restricted to only providing financial advice on the following products: - Personal General Insurance including, but not limited to, home, contents, vehicles, motorcycle, and boats; and - Business General Insurance including, but not limited to, commercial property, business assets, business interruption, commercial motor and a wide range of other business liability insurance products. The insurance product providers we use 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 must have a financial strength rating from an approved rating agency. Omni has decided to only engage with insurance product providers that have financial strength ratings with a minimum of B+ and above. You will be provided with current ratings for the insurers when we provide your recommendations to you. ## Conflicts of Interest To ensure that we and our advisers prioritise your interests above our own, we follow an advice process that ensures recommendations are made on the basis of your individual goals and circumstances. Your interests are our priority although we do have business relationships with product providers also. From time to time our product providers assist us with funding for the purposes of attending conferences and professional development training. We also receive remuneration from product providers such as commissions, as described below. Our advisers complete annual and ongoing training about how to manage conflicts of interests and a register is maintained. We monitor this register and provide additional training where necessary. We perform an annual review of our compliance programme. ## Our Financial Advisers duties Omni, 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 and abide 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). We are required to: - Give priority to your interests by taking all reasonable steps to make sure our advice isn't materially influenced by our own interests - Exercise care, diligence and skill in providing you with advice - Meet standards of competence, knowledge, and skill - Meet standards of ethical behaviour, conduct and client care ## How we are remunerated ### Commission We receive commission from insurance companies on the successful placement of insurance policies for both new clients and at the annual renewal of existing clients' insurances. The commission paid to us is between 0% to 30% of the insurer portion, or Policy Charge, and natural disaster of a clients' invoice. Commission is not charged on government fire levies and taxes. The amount of commission received by us depends on which insurance company and which insurance policy you purchase. We do not charge fees or receive any commission or other incentives for giving financial advice that is not acted upon. ### Fees We may charge our clients fees for the administration of, and ongoing changes to, their insurance policies. These fees will be payable by you when the insurance policy is purchased or endorsed. We will advise you if we are going to charge a fee at the time you request a change. The fee charged will also be displayed on our invoice. ## NZbrokers Management Limited We are 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 us. When a client accepts our financial advice as your adviser and purchases a policy NZbrokers may receive a service fee or technology fee from the Product Provider. ## What to do if things go wrong At Omni, we are committed to ensuring that your needs are at the forefront of what we do and that we perform our services with reasonable care, skill, and integrity. We always treat clients fairly; however, we recognize that things can go wrong and when they do, we must identify and correct any mistakes as quickly and efficiently as possible. If you have any complaint in respect to the products or services provided by Omni, we want to hear about it so that we can investigate your concerns quickly and fairly and work with you for an early resolution. Please refer to our full Complaints Process on our website. ## What to do if you are not satisfied after making a complaint We recognise that sometimes it is not possible to resolve a complaint by agreement. If you are not satisfied with our suggested resolution, then you may refer the matter to Financial Services Complaints Limited (FSCL) – A Financial Ombudsman Service. FSCL is our independent external ombudsman and dispute resolution service that has been approved by the Minister of Consumer Affairs under the Financial service Providers (Registration and Disputes Resolution) Act 2008. There is no cost to you to use FSCL's services. You can contact FSCL at: | | | |---|---| | **Postal Address** | P O Box 5967, Wellington 6145 | | **Email** | info@fscl.org.nz | | **Telephone** | 0800 347 257 | | **Website** | http://www.fscl.org.nz/ | | **How to make a complaint with FSCL** | http://www.fscl.org.nz/complaints/how-make-complaint | Please note that before FSCL can investigate your complaint, they do require you to have first provided us with the opportunity to address your complaint. ## Our Regulators The Financial Markets Authority (FMA) issued our licence and regulates us. You can report information about us to the Financial Markets Authority at: https://www.fma.govt.nz/contact/ or email questions@fma.govt.nz but if you want to complain about us or our Financial Advisers please refer to the section What to do if things go wrong and What to do if you are not satisfied after making a complaint. --- ## https://financeadvisers.co.nz/api/provider/FSP36747/disclosure.md > _Markdown transcription of Seneca Insurance Brokers Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.sharenzgeneral.com/._ --- # SHARE General — FAP Public Disclosure Statement ## About Us **Seneca Insurance Brokers Ltd trading as SHARE** (FSP36747) holds a full licence issued by the Financial Markets Authority to provide financial advice. We provide advice to our clients about their general insurance needs across both personal and business risks. As part of our Financial Advice Provider Licence we are required to provide you with additional information on: - Our Advisers and Advice Process - The Insurers we work with and how we are remunerated - How we manage and mitigate conflicts of interest - Our Complaints Process should something go wrong While we remain a separate entity trading as SHARE, we are closely aligned to the SHARE network of advisers and follow common processes in order to deliver a high quality of advice to our clients. --- ## Scope of Advice We provide advice to clients about their **general insurance needs** across both personal and business risks. ### Personal Insurance Life's full of big moments. Our Advisers are able to personalise covers for your home, contents, vehicles, and more so that you can enjoy those moments. ### Business Insurance Business can be complex, but our aim is to make your business insurance simple. Simple to understand and simple for you to use. --- ## Our Advice Process ### 1. Understand you and your needs Whether you're an individual, a business, or a family, by getting to know you, and what's going on in your world, we'll put the right cover in place. ### 2. Undertake our analysis and quote A key part of our advice process is to undertake an analysis of your needs, the available insurance options. After that, we'll engage with insurers to provide these options and negotiate on your behalf. ### 3. Present our recommendations We'll make a recommendation based on your needs along with the available options. While this might have some complexities we'll take the time to walk you through it and answer any questions. ### 4. Implement what's agreed Once you're happy with what we've recommended and understand it, we'll put in place the covers we agreed and provide evidence for those decisions. ### Ongoing Review Your insurance protection should be reviewed as things change and we'll do this on an annual basis as part of our advice process with you, or more regularly if you notify us of changes. We will work hard to ensure the cover still meets your needs. --- ## Our Advisers Our team is made up of Financial Advisers providing specialist general insurance risk management and general insurance advice to clients across New Zealand. They also have a team skilled in supporting them and managing claims. Our Financial Advisers prioritise our clients' interests above their own by following our advice process that ensures our recommendations are made on the basis of each client's circumstances. To ensure we continue to act in your best interest we've taken some additional steps: - Our Financial Advisers are paid a salary income with any bonuses based on business KPIs rather than individual accounts. - We abide by the Code of Professional Conduct for Financial Advice Services. - All our Financial Advisers and their support team undergo ongoing professional development and annual training about how to manage conflicts of interest. - We undertake a compliance audit, and a review of our compliance programme is undertaken annually. --- ## Duties Under the Financial Markets Conduct Act 2013 Seneca Insurance Brokers Ltd t/a SHARE, 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 isn't 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](https://www.fma.govt.nz). --- ## Sub-Documents > The following linked document is referenced on the website but its content is not reproduced here: > > - **Client Information document**: [/s/Client-Info.pdf](https://www.sharenzgeneral.com/s/Client-Info.pdf) — "Find Out More About What We Do" (linked from the main page; likely contains fuller disclosure on insurers/providers, remuneration/commissions, conflicts of interest, and complaints process) --- ## https://financeadvisers.co.nz/api/provider/FSP37033/disclosure.md > _Markdown transcription of Mike Pero Mortgages Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.mikepero.co.nz/disclaimers/disclosure-statement._ --- # Financial Advice Service Disclosure Statement *This disclosure statement was prepared on 24 August 2022.* **It is important that you read this document** This information in this disclosure statement is important. It is intended to help you to find a financial advice provider that meets your needs. Mike Pero Mortgages Limited (FSP37033) ("Mike Pero Mortgages", "we", "us" and "our") holds a licence issued by the Financial Markets Authority to provide financial advice. --- ## Mike Pero Financial Advice Service Our financial advisers are either engaged by us directly or through one of the authorised bodies named on our financial advice provider licence, to provide financial advice on our behalf. The financial advice service our financial advisers provide is limited to the following types of insurance and loan products, however, only some of our financial advisers are authorised by us to provide financial advice on both insurance and loan products, and additionally, on risk insurance products. ### Financial Products | Category | Products | |---|---| | Insurance | Life Protection, Disablement, Trauma, Income Protection, Fire and General (e.g., House, Contents and Vehicle Insurance), Health and Medical | | Lending | Consumer credit contracts (including mortgages and personal loans). Commercial credit contracts (including commercial and investment loans). | ### Product Providers Our financial advisers only provide financial advice about the insurance and lending products of the following product providers: | Category | Providers | |---|---| | Insurance | AIA New Zealand Ltd, Fidelity Life Assurance Company Ltd, Mike Pero branded insurance policies issued by Aon New Zealand and Vero Insurance Limited, OnePath Life (NZ) Ltd, Partners Life Ltd, Asteron Life Ltd, NIB NZ Ltd, Southern Cross Healthcare Ltd, Cigna Life Ltd, AMP Services (NZ) Ltd | | Lending | AIA New Zealand Ltd, ANZ Bank New Zealand Ltd, ASAP Finance Ltd, ASB Bank Ltd, Avanti Finance Ltd, CBS, Bank of New Zealand Limited, Cressida Capital Investment Limited, DBR Ltd, Heartland Bank Limited, Liberty Financial Ltd, MBG Ltd, Nelson Building Society, Secure Funding Ltd, Mike Pero branded loan product (credit provided by Secure Funding Limited), Southern Cross Building Society, Southern Cross Finance Limited, SBS Ltd, Strata Funding Ltd, The Co-operative Bank Ltd, Westpac New Zealand Ltd, Sovereign Home Loans, Go Home Loans, Unity Credit Union | --- ## Relevant Fees For the majority of transactions there is no cost to you for the term of the agreed engagement unless specifically negotiated in advance. However, a minority of the lenders may charge an upfront fee or brokerage fee to you and may pass some or all of this fee to us. Our financial advisers may also charge you a nominal fee for our services. Any fee required to be paid and how it is paid will also be disclosed to you in the Statement of Advice and Final Disclosure provided to you by our financial advisers. --- ## Relevant Interests, Relationships and Associations Mike Pero Mortgages, Mike Pero Real Estate Limited (MPRE), Secure Funding Limited and Liberty Financial Limited are owned by Mike Pero Group Limited and our financial advisers are also able to provide advice on Liberty Financial Limited and Secure Funding Limited lending products and Mike Pero branded insurance policies and loan products. Any potential for a conflict of interest to arise as a result of these interests and relationships is managed by ensuring that we do not provide any additional commission payment or other incentive to our financial advisers for placement of Liberty Financial Limited and Secure Funding Limited lending products or Mike Pero branded insurance policies and loan products. To ensure that our authorised bodies and 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 regular training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme is undertaken annually. --- ## Relevant Commission Payments or Incentives Mike Pero Mortgages may receive commission payments from the relevant product provider on whose products our financial advisers give financial advice, as follows: **For loan products:** Mike Pero Mortgages may receive commissions of between 0.1% and 1% of the value of the mortgage – the amount depends on which lender and which type of mortgage you choose. In addition, Mike Pero Mortgages may also receive a commission payment of between 0.1% and 1% of the remaining loan balance each year. Our financial advisers receive a proportion of these commissions. **For insurance products:** Mike Pero Mortgages may receive commissions of between 50% and 230% of the first year's premiums on your insurance policy – the amount depends on which insurance company and which insurance policy you choose. Mike Pero Mortgages may also receive a commission payment of between 1% and 30% of the premium for each year the insurance policy remains in force. Our financial advisers receive a proportion of these commissions. **For real estate services:** Our financial advisers may receive an incentive from us for business referrals with MPRE. --- ## Complaints Handling and Dispute Resolution If you have a problem, concern, or complaint about any part of our financial advice service, please tell our internal complaints team so that they can try to resolve the problem. You can reach the internal complaints team by contacting Mike Pero Mortgages Limited by telephone on **0800 500 123**, by email at **support@mikepero.co.nz** or in writing to: > Mike Pero Mortgages Limited > PO Box 4295, Shortland Street, Auckland 1140 We will consider your complaint following our internal complaints process and let you know how we may resolve it. We may need to ask you for more information. We will acknowledge your problem, concern or complaint within 48 hours of your initial email, letter or phone call being received. We aim to resolve complaints within 5, but no more than 21, working days from receiving them and will let you know if we need more time to consider your complaint. If we cannot agree on how to resolve the issue, you can contact **Financial Services Complaints Limited (FSCL)**. This service will cost you nothing, and will help us resolve any disagreements. **FSCL contact details:** - **Address:** PO Box 5967, Wellington 6140 - **Phone:** Call Free 0800 347 257, or 04 472 FSCL (04 472 3725) - **Email:** complaints@fscl.org.nz - **Website:** https://fscl.org.nz/about-us/complaints/complaint-form/ --- ## Duties Information Mike Pero Mortgages and anyone who gives financial advice on our behalf, has 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 isn't 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); and - 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 https://www.fma.govt.nz. --- ## Financial Advice Provider **Mike Pero Mortgages Limited (FSP 37033)** is the Financial Advice Provider. **Contact details:** - **Address:** Level 2, 110 Customs Street West, Auckland, New Zealand - **Phone:** 0800 500 123 - **Email:** support@mikepero.co.nz --- *Note: The site footer references a linked sub-document — [Complaints Handling and Dispute Resolution](/disclaimers/complaint-handling-and-dispute-resolution) — which may contain additional disclosure detail not reproduced on this page.* --- ## https://financeadvisers.co.nz/api/provider/FSP37162/disclosure.md > _Markdown transcription of Hurford Parker Insurance Brokers Limited's Public Disclosure Statement, version 2026-05-20. Source: https://hurfordparker.co.nz/wp-content/uploads/2026/01/Terms-of-Business-and-Disclosure-Statements-12-January-2026.pdf._ --- # Terms of Business and Important Disclosure Information ## Hurford Parker Insurance Brokers Limited | Hurford Parker Financial Services Limited --- ## 1. Introduction We are a leading New Zealand owned insurance, and risk management brokerage offering transactional and/or advisory services for your insurance requirements. We are committed to acting in your best interests at all times in providing services to you. By entering into a contract of insurance with us you confirm acceptance of the terms set out in this Terms of Business and Important Disclosure information. We are members of the NZbrokers Group, which is a collaborative group of New Zealand owned and operated professional insurance brokers. This document sets out the terms under which we provide services to you, as well as the co-operation and responsibilities required from you. These terms apply until they are varied by mutual agreement, or until our appointment is cancelled by you. We may vary the services we offer you from time to time by written notice to you. In this document "We", "Us" and "Our" means Hurford Parker Insurance Brokers Limited and/or Hurford Parker Financial Services Limited. The Hurford Parker companies are intermediaries registered on the Financial Services Providers Register as a Financial Advice Provider (FAP) to provide generic, retail and wholesale financial services advice in New Zealand by the Financial Markets Authority. Hurford Parker Insurance Brokers Limited operates under FSP37162. Hurford Parker Financial Services Limited operates under FSP698651. A list of the services we provide to you in addition to other pertinent information are stated in Appendix A to G, attached to this document. --- ## 2. Insurance Broking 2.1 We will negotiate with insurers on your behalf and will keep you informed of any significant developments. 2.2 We are independent of insurers, and are not bound to use any particular insurer. We will advise you of those with whom we propose placing your insurance and will also advise you of any change of insurers after the insurance has been placed. Unless you advise us to the contrary, each insurer with whom we place your insurance will be deemed acceptable to you. 2.3 The selection of insurers and insurance policies is done on the basis of obtaining the most appropriate policy coverage for you at a competitive market premium. 2.4 We may enter into an agreement with an insurer to arrange insurance and settle claims on its behalf. We will inform you when we act for an insurer and not for you. 2.5 You understand that we will use all reasonable precautions in choosing an insurance company(ies) and will advise you of their claims paying rating where required under the Insurance (Prudential Supervision) Act 2010. You understand that we cannot guarantee the financial status of any company and we do not accept any liability due to the failure of any insurance company. Financial strength ratings of the selected insurer will be provided. Hurford Parker only uses insurers that have attained an A- or higher rating. Financial strength ratings are contained in the appendices for reference. 2.6 We will hold review meetings with you as and when required with a minimum annual review period. At those meetings we will report on matters relating to the insurance programme and will gather information regarding any changes in your business that could affect your insurance. Meetings may be conducted remotely via phone or email correspondence. 2.7 Further details of the Insurance Broking and Financial Services service is provided in Appendix A. --- ## 3. Insurance Claims Service 3.1 We are committed to achieving the best outcome for you from every claim on policies arranged or reviewed by us during our appointment. 3.2 We will: - Assist you with the preparation of claims - Act as your advocate in negotiations with insurers or their legal advisors - Regularly review and pro-actively manage your claims - Provide you with records and analysis of claims as required. 3.3 Further details of the claims process are contained in Appendix E. --- ## 4. Your Co-Operation and Disclosure of Information 4.1 To perform our service efficiently, we will need your co-operation, particularly the timely provision of accurate information. You authorise Hurford Parker to act on your behalf in conducting negotiations with insurers and lenders. 4.2 We will rely on you to advise us of any change in your personal or business circumstances that might affect your insurance or lending programme. This may include acquisitions, disposals, mergers, sale of principal assets, or material changes to business operations, or changes to personal and financial situation. 4.3 For all personal risk and business insurance applications, you will be required to complete an application/proposal form and provide detailed information on your current health and medical history. It is essential that this information provided by you is accurate and complete. While we will assist you with the completion of proposals and other forms of application for insurance, we cannot accept responsibility for the accuracy of their contents, nor can we sign the insurance proposals on your behalf. 4.4 After receiving your insurance documents from us, you should read and check them, then advise us promptly of any discrepancies or anything that does not meet your expectations. 4.5 While we may prepare underwriting information on your behalf, the legal obligation to disclose all material facts rests with you. You must tell Hurford Parker Insurance Brokers Limited, before each policy starts and renews, about anything a prudent insurer would want to consider when deciding whether to insure you, and if so, on what terms. Please provide this information to us. If you do not provide us with full information, we cannot properly advise you and you could breach your duty of disclosure. 4.6 Should a circumstance or event occur which could result in making an insurance claim, you should advise us of the details immediately. Failure to advise such actual or potential claims may prejudice your rights under an insurance policy. 4.7 Financial advisor disclosure statements will be provided when the scope of advice to be given becomes known, and when the advice is given, and it is publicly available on our website and if a complaint is received. --- ## 5. Remuneration To provide our services to you, we utilise our knowledge and expertise to understand your business or personal circumstances, assess the risks, and negotiate and place insurance on your behalf. As a result, we may receive commissions from insurance companies whose products we recommend. Payments from commissions are our main source of income. 5.1 We receive commission (brokerage) when you, the client, accepts our financial advice and purchases an insurance policy. The commission is paid to us by the insurer (product provider) based on each insurance policy that you purchase. This includes renewal and policy alterations. The commission only applies to the company premium and natural disaster premium portion of the total premium and excludes fire emergency levies, Earthquake levies and other government charges. This will range between 0% to 25%. For specialist insurance including insolvency insurance and travel insurance, insurers pay us between 0% to 35% commission. Please refer to Appendix B for a full breakdown of commission rates per insurer. 5.2 Where we are not paid brokerage by the insurer, we may alternatively include a similar amount within the policy charge shown on the invoice. 5.3 To enable us to provide you with a high level of service we will also charge you a Broker Service Charge. This charge is for our expenses associated with our service, placement, implementation, issuing certificates, invoices and providing administration of the insurance policies. The Broker Service Charge is included within the policy charge shown on your invoice. ### Personal Lines A maximum Broker Services charge of **$65.00 + GST** per policy invoice will apply to personal lines, such as house, contents, private motor vehicle, pleasure craft, travel, contract works and marine transit policies. ### Rural Lines A maximum of **5%** of the insurer company premium and/or natural disaster premium can be charged for the work that is undertaken on your behalf. For new insurance policies or renewal of existing insurance policies, the dollar amount is shown in your correspondence under "Terms of Business and Important information". If we are to charge more than the maximum 5% this will be advised to you. A minimum Broker Service charge of **$75.00 + GST** per policy invoice will apply to all rural insurance policies. ### Commercial Lines We have categorised this into two premium bands: $10,000 and under and $10,001 and over. #### $10,000 and Under A maximum of **7.5%** of the insurer company premium and/or natural disaster premium can be charged for the work that is undertaken on your behalf. For new insurance policies or renewal of existing insurance policies, the dollar amount is shown in your correspondence under "Terms of Business and Important information". If we are to charge more than the maximum 7.5% this will be advised to you. A minimum Broker Service charge of **$95.00 + GST** per policy invoice will apply to all commercial insurance policies. #### $10,001 and Over A maximum of **5%** of the insurer company premium and/or natural disaster premium can be charged for the work that is undertaken on your behalf. For new insurance policies or renewal of existing insurance policies, the dollar amount is shown in your correspondence under "Terms of Business and Important information". If we are to charge more than the maximum 5% this will be advised to you. A minimum Broker Service charge of **$95.00 + GST** per policy invoice will apply to all commercial insurance policies. For endorsements throughout the renewal period a **$30.00 + GST** minimum Broker Service charge will apply per policy invoice. Sometimes we will charge up to the maximum percentage of company premium and/or natural disaster premiums as declared above for the endorsement due to the complexities or time spent working through the endorsement. 5.4 **Soft Insurance Market:** We may charge higher than our Standard % Broker Service Charge where negotiated premiums have been reduced at renewal. This is because we have spent time negotiating reduction in premiums and in order to offer the same level of Service we may charge a higher Broker Service Charge to offset the lost Commission from the insurers due to reduction in premiums (we are paid a percentage of the premium as Commission from insurers and due to reducing premiums our commission received has reduced). The dollar amount is shown in your correspondence under "Terms of Business and Important information". 5.5 If we arrange a loan to pay the premium we may earn remuneration or dividends for doing so. 5.6 Our remuneration may include investment income earned from premium payments before they are forwarded to the insurer. This is permitted by the Insurance Intermediaries Act 1994. 5.7 In addition to the fees and brokerage that we receive, we may negotiate additional fees for our services in relation to a claim which is complex or contentious and where our time exceeds 10 hours. 5.8 We are responsible for collecting associated Government Levies at the same time as insurance premiums. This can include Natural Hazards Commission (NHI) and Fire Emergency Levy (FEL), in addition to Goods and Service Tax (GST). We do not receive any remuneration for collecting these levies. ### Financial Services 5.9 Analysing the suitability of the provision of products and/or services to you and providing a financial service to you in the form of a Statement of Advice and all associated documents is given as a service. 5.10 There is no cost to you in respect of our services. We are paid by the insurance company in the form of commission. This is between **120% and 220%** of the annual premium (minus fees & levies) for life and protection products and between **30% & 50%** for health products. We will also receive ongoing commission of **10% & 30%** for the life of the product(s) placed and **5% & 15%** for health products. Please refer to Appendix B for a full breakdown of commission rates per insurer. Hurford Parker Insurance Brokers may charge a fee for the financial advice provided should you cancel your life or health within 2 years of the policy being put in place. What the fee will be will be discussed when the advice is provided to the client. This fee will be payable by the client by the 20th of the month after cancellation. --- ## 6. Payment of Premiums and Cancellations ### General Insurance 6.1 The premium and any fee should be paid to us in full. We do not provide any credit and the full amount is due to us immediately upon receipt of our invoice. We are required to pay your insurer within a specific time frame. If we are unable to do so because we have not received the premium from you, we are required by the Insurance Intermediaries Act 1994 to advise the insurer of this in writing within seven (7) days. The insurer may then issue a notice of cancellation of the policy in accordance with the policy terms because of the non-payment. Although the time frame varies from policy to policy, the insurer usually allows Thirty (30) days for the premium to be paid before the policy comes to an end. 6.2 You have the option to pay your premiums spread over Ten (10) monthly payments for Commercial Insurances or over Twelve (12) monthly payments for Domestic Insurances by entering into a loan agreement contract with Advantage Premium Funding Limited or another Premium Funding company as arranged by us. Full details of the loan contract and terms and conditions will be provided to you prior to the loan being established. Failure to meet loan repayments may result in your contract of insurance being cancelled. 6.3 If an insurance policy is cancelled before expiry by you, we will pay to you any premium refunded by the insurer, less any outstanding remuneration and/or fee you owe us. We may retain any remuneration already received on downward premium adjustments or for a policy cancellation. 6.4 Hurford Parker Insurance Brokers Limited accepts no liability for losses arising as a result or consequence of the cancellation of insurance due to non-payment of premium. ### Financial Services (Personal and Business Risk) 6.5 All premium payments for Financial Services (Personal and Business Risk insurance) are paid directly to your insurer via the payment method selected at policy application. 6.6 We do not handle any payments in respect of Financial Services policies, but can assist you in facilitating changes to your payment methods with your insurer. 6.7 If you fail to pay your premium you will be notified directly by your insurer and we may also contact you to discuss. Non-payment of premiums will result in the insurer terminating your contract of insurance. 6.8 Hurford Parker Financial Services Limited accepts no liability for losses arising as a result or consequence of the cancellation of insurance due to non-payment of premium. 6.9 If you wish to cancel your insurance this must be confirmed in writing to your insurer. We can assist you in facilitating the cancellation process. 6.10 All cancellation authorities must be signed by all policy owners otherwise the policy will remain in force. 6.11 We cannot terminate your insurance on your behalf. --- ## 7. Internal Complaints ### Policy We are committed to providing a Quality Service to all our Clients to achieve good customer outcomes, which include client satisfaction. Feedback from clients, including complaints is considered an important part of client satisfaction. A complaint relating to a financial advice service is an expression of dissatisfaction made to the Financial Advice Provider or person engaged by Us, about a product, services or failure to provide a service or advice. Dissatisfaction becomes a complaint when our Client requires an action to be taken. We are committed to resolving complaints received, and recognises the right of complainants to be dealt with fairly, timely and with a transparent manner. The Internal Complaints process includes information about complaints handling process and how to access the external dispute resolution scheme. The Internal Complaints process is made available to the public and our clients on our website. **When a complaint is received:** When a complaint is received the Financial Advice Provider or person engaged by Us, we will approach all complaints with an open mind, listen and treat each complainant as an individual and with courtesy and respect. Informal conciliation should be considered to resolve the matter. Responding appropriately to an informal expression of dissatisfaction can prevent the matter becoming a formal complaint. If the complaint is unresolved after two business days or our Client is unsatisfied with the action taken or considers the complaint unresolved, the complaint becomes a formal complaint and the Internal Complaints disclosure is required. Internal Complaints disclosure information relates to the Our internal and external complaints handling process, including details of the relevant approved external dispute resolution scheme. Personal information is handled in a manner consistent with the New Zealand Privacy Act and Our Privacy Policy. This means maintaining confidentiality of personal information of the complainant. Generally, the complaint and any information related to it is kept confidential except with the consent of the complainant. ### Procedure Once the complaint is considered formal: 7.1 Promptly acknowledge the complaint at the earliest possible opportunity preferably within 5 working days, refer to Appendix F. 7.2 Refer our Client to Our Internal Complaints process information, this can be done by directing our Client to Our website. 7.3 Clarify our understanding of the complaint and our Client's expectations. Explain the next steps of the process with a realistic timetable. If known give a full explanation of what is being done to address the complaint. 7.4 Records to be maintained of all complaints, including dates for when the compliant was received and any action that was taken in relation to that complaint and the Record Keeping Policy is to be adhered to. The Compliant is also to be recorded in the Complaints Register refer to Appendix F. 7.5 Forward the information to our Complaints Manager for investigation. ### Investigation When investigating a complaint, the Complaints Manager must make every reasonable effort to investigate all relevant circumstances and information surrounding the complaint. The Complaints Manager may obtain assistance from any staff in order to resolve a complaint and this shall be promptly given. When a final response to a complaint is provided, the Complaints Manager must advise the complainant of the decision, remedies and resolution as soon as practicable after deciding the outcome, refer to Appendix F. The final response must be sent to the complainant within 20 days from the date the complaint was received. It should be sent no later than 5 business days after the outcome is approved by the Complaints Manager. If the complaint relates to a matter that may involve negligence, We are to notify our Professional Indemnity Insurer about the complaint to discuss the matter. If our Client is unsatisfied with the response from Us, the matter can be referred to Financial Services Complaints Limited (FSCL). Any investigation by FSCL a Financial Advice Provider or person engaged by Us, has a duty to corporate and communicate during the investigation as requested by FSCL. ### Review Review of Complaints and evaluation of data gathered in the complaints process will help Us determine the causes of complaints and whether remedial action is required. The Complaints Manager must give a written summary of the Complaint to the Head of Compliance, to be reviewed by the Our Board of Directors. This summary should highlight any areas of concern or repetitive nature. The summary serves as a monitoring tool for conduct and effectiveness of Our complaints-handling procedures and identify trends which can indicate that improvements are required. --- ## 8. Privacy ### Introduction The Privacy Act 2020 sets out a series of principles which relate to and promote: - the collection, use, and disclosure of information about individuals; and - providing individuals with access to information about them held by an organisation. The Act gives the Privacy Commissioner a power to issue codes of practice which may modify the effect or operation of the Act in respect of particular sectors, industries, occupations, or activities. Under the Act, individuals have a right to request access to personal information about them held by an organisation, and to seek corrections to that information if the individual considers it to be incorrect. This Policy has incorporated amendments to the act which come into force on 1st December 2020. ### Policy - We undertake to recognise and observe the information principles set out in the Privacy Act. - Complying with the principals gives employees and others confidence that their personal information is properly safeguarded. - Before We disclose any personal information overseas, the overseas entity will need to provide evidence of similar levels of privacy protection that have the same legal protection as it would in New Zealand. - In the course of its business activities, We collect, store, use, and disclose personal information about employees and others. It may do this in order to comply with legislative requirements and the needs of government and official agencies; or to manage its business and operations, or for internal administration and internal reporting purposes. - We will endeavour at all times to collect, store, use, and disclose personal information in accordance with the principles set out in the Privacy Act and only to the extent necessary for the efficient and effective conduct of its business. - We will constantly review personal information and change information collection, storage, usage, and disclosure processes and methods whenever appropriate. - If the We believe "serious harm" has been caused to affected individuals, it is mandatory to report the breach as defined by the reporting regime. ### Definitions For the purposes of the Privacy Act and this policy: - We (Hurford Parker Insurance Brokers Limited and Hurford Parker Financial Services Limited) are an agency. - Personal information is information about an identifiable natural person, whether that individual is an employee, independent contractor, other worker, agent, consultant, or a person who is otherwise associated with Us. - Personal information may be in any form. It may be a document (see below), but not necessarily. It includes any information that We have about an identifiable individual, even when that information is held only in the mind of a person who represents the organisation. - A document may take any form, including written or printed material; information that is recorded or stored electronically; books, maps, plans, graphs, or drawings; and photographs, films, negatives, tapes, or other devices used to store and reproduce images. - Evaluative or opinion material is material in any form that has been compiled solely for the purpose of determining the suitability, eligibility, or qualifications of the individual to whom the material relates for employment or appointment, for promotion or continuance in employment or office, for removal from employment or office, or for the awarding, continuing, modifying or cancelling of contracts, awards, scholarships, honours, or other benefits. - Employees and Others: Employees are any persons employed by Us. Others are clients, customers and any other workers of Us. - Any personal information held by an officer or manager or employee of Us, and held in that capacity, is deemed to be information held by the organisation itself. ### Implementation and Procedures **Authority to deal with personal information:** In return for the assurance that We will observe the information privacy principles set out in the Privacy Act, employees and other persons are presumed to authorise at the time of their engagement the collection, storage, use, and disclosure of personal information. A statement to this effect will be given to each intending employee or other persons for signature or approval before the engagement is confirmed. We are required to provide specific personal information about employees and others to various government agencies (e.g. Inland Revenue, Ministry of Social Development, Accident Compensation Corporation) and to other organisations (e.g. KiwiSaver scheme managers). It is assumed that employees and others authorise the disclosure of this information. **Access to information:** Employees and other persons may request access to any personal information about them which We might have. Requests for access to personal information may be made directly to Jeff Parker or William Parker. The person who receives a request for access to personal information must respond without undue delay. In most cases, the individual making the request will be able to inspect the information in the form in which it is held or stored and, where appropriate and if requested, be provided with a printed or electronic copy. The person who receives a request for access to personal information may consider that the request raises issues that need further consideration. The request must then be referred to Jeff Parker or William Parker for a decision. That decision must be made and communicated to the individual concerned within 20 days of the date on which the request for access was received. **Refusing access to personal information:** In limited circumstances, a request for access to personal information from an employee may be declined. A decision to decline a request must be discussed with, and approved by, Jeff Parker or William Parker. A request for access may be declined if the information concerned is evaluative or opinion material. A request for access may be declined if disclosure of the information concerned would: - lead to the unwarranted disclosure of the affairs of another person - breach a promise to a person who supplied evaluative material that the information or the identity of the person who supplied it or both would be held in confidence - be likely to prejudice the physical or mental health of the individual concerned - be contrary to the interests of an individual under the age of 16 - breach legal professional privilege. A request for access may be declined, with the approval of Jeff Parker or William Parker, if: - the request is frivolous or vexatious - the information requested is trivial - the information requested is not readily retrievable - the information requested does not exist or cannot be found, and there is no reason to believe that the information is held by another agency. If a request for access to personal information is declined, the individual who made the request must be given, in writing, the reason or reasons for the refusal. An explanation of the reason or reasons should be given if requested. The person who made the request must be told that the refusal may be reviewed by the Privacy Commissioner or an Ombudsman. **Correcting personal information:** An individual or representative of a company who is a client, who believes that any personal information about them is not accurate may ask for the information to be corrected. The request for a correction should be made in writing and specify the change or changes that the individual or representative wishes to have made. The request should be made directly to the person who holds the information – Jeff Parker or William Parker for employees and the broker for Clients. If warranted, the requested correction will be made. If correction is considered to be unnecessary or unwarranted, the individual must be advised accordingly. The individual or representative may then ask for the requested correction to be attached to the information concerned, so that it is visible whenever others have access to the information. **Procedure for making complaints of interference with privacy:** Employees and others may complain to Us that there has been interference with their privacy, and that this has caused them loss or damage, adversely affected their rights or interests, or resulted in significant humiliation, loss of dignity or injury to their feelings. As an alternative, under the Privacy Act, complaints may be made to the Privacy Commissioner or an Ombudsman. Employees and others who wish to complain that there has been interference with their privacy should first approach the person responsible for the alleged breach. If that is not possible or appropriate, or the outcome of the approach does not satisfy the complainant, the complaint should be made again to Jeff Parker or William Parker for employees and the broker for Clients. The complaint may be made in person or in writing. We aim to investigate and resolve any complaint speedily and informally if possible. Employees and others who wish to make a formal complaint that there has been interference with their privacy should set out in writing the details and circumstances of the alleged interference and deliver it to Jeff Parker or William Parker for employees and the broker for Clients. The appropriate person will investigate the complaint as quickly as possible. The complainant, who may have the support or assistance of a representative or other person(s) chosen by the employee, will have the opportunity to contribute to the investigation. The investigation will aim to achieve speedy resolution or satisfaction of the complaint. If that is not possible, and the complaint is upheld by the investigation, the matter may become the subject for training, counselling or disciplinary action. The complaint and the outcome of the investigation are to be recorded and included on the employee's personal file or in the Clients file. --- ## 9. Limitation of Liability We are a licensed Financial Advice Provider and operate in accordance with applicable New Zealand legislation and regulatory requirements. To the extent permitted by law, all other representations or warranties relating to our services are excluded. We are not an insurer and do not represent that insurance cover will be available for any particular risk. We do not guarantee the solvency of any insurer or that an insurer will accept or pay any claim. Financial strength ratings for licensed insurers in New Zealand are published by the Reserve Bank of New Zealand on its website. We are not responsible for any inaccuracies in information provided to us for any default, negligence, error, or omission by any party other than ourselves. You agree to indemnify us for any loss caused or contributed to by incorrect, inaccurate, or incomplete information you provide. While we will exercise reasonable care, skill, and diligence in providing our services, you are responsible for determining whether any residual risks are acceptable to you. To the extent permitted by law, we are not liable for any consequential, incidental, or indirect loss, including loss of revenue, profits, opportunities, contracts, data, supply, production, business value, reputation, goodwill, or increased costs. We are not responsible for losses arising from delays caused by you, third parties, or any force majeure event. Our liability for any loss will be proportionate to our contribution to that loss, and our total aggregate liability arising from the services we provide is limited to **NZ$20,000,000**, to the extent permitted by law. Any claim against us must be made within 12 months of the date on which you knew, or reasonably ought to have known, of the potential claim. --- ## 10. General 10.1 Prior to the renewal of your insurance policies or loans / finance agreements, we will discuss with you any changes in our service as may be appropriate for the ensuing year. 10.2 **Renewal and Cancellation** (1) We (or anyone we authorise to act on our behalf) will be entitled to do the following your behalf: - (a) arrange future insurance by way of replacement of any pre-existing insurance on its expiry or otherwise; and - (b) if you have previously had your insurance premiums financed by Advantage Premium Funding Limited, enter into new insurance premium funding arrangements with Advantage Premium Funding Limited at the rates and terms of Advantage Premium Funding Limited applying at the time the new insurance premium funding arrangement is entered into; Unless you elect to opt-out of this clause in accordance with clause [8.2(4)] below. (2) Any new insurance or premium funding arrangement entered into by us (or anyone we authorise to act on our behalf) will be entered by us for and on your behalf, in your name and as your duly appointed attorney. You acknowledge that the insurer and/or Advantage Premium Funding Limited are entitled to accept and act on any insurance or insurance premium funding arrangement as if these were entered into by you personally (and you agree to be bound by any insurance or insurance premium funding agreement). The effective date of any new insurance or premium funding agreement entered into on your behalf will be five (5) working days from when the signed copy is provided to you. (3) Any right of cancellation of any insurance or insurance premium funding arrangement that you may have will be determined by the terms of the insurance or insurance premium funding arrangement. (4) You may opt-out of this clause by providing written notice of this to us, and any notice provided to us is also deemed to be provided to Advantage Premium Funding Limited. We will provide you with a reminder prior to your existing insurance expiring confirming your current renewal preference. 10.3 Our obligation to provide services to you will end when our appointment is cancelled. You can cancel our appointment by notice in writing to us. You may however, want to enter into a separate claim servicing agreement with us. Under such an agreement, we will continue to provide service for nominated claims that arose before our appointment was cancelled for which we reserve the right to charge an appropriate Claims Service Fee. 10.4 Upon notice of cancellation of our appointment we will: - Immediately withdraw from all negotiations in progress at that time, including but not limited to renewal negotiations for any insurance falling due within the period of notice; take no further action in relation to any current or ongoing claim(s) for which we are acting on your behalf, unless we have agreed to a separate claim servicing agreement. We will keep all information about you and your business confidential, and except where necessary for the purpose of providing services to you, will not disclose it to any third party without your consent. This undertaking does not apply to information which is already public knowledge. --- ## Appendix A – Insurance and Risk Advisory Services ### Section 1 – Hurford Parker Insurance Brokers Limited – where applicable **A.1 Insurance, Transactional and Advisory Service:** - Placement of insurance programme - Customised policy wordings - Insurance renewal planning and strategy - Marketing of insurance policies - Insurance transactions. **A.2 Documentation:** - Agenda and minutes for meetings – where applicable - Placing Slips - Invoices - Insurance Manuals or registers – where applicable - Claims Procedures - Policies - Claims Reports - Renewal Reports - Other reports as may be agreed **A.3 Claims:** - Administration - Monitoring progress and negotiation with interested parties and loss adjusters - Recording and analysis as may be agreed **A.4 Advice:** - Identify insurable hazards and risks - Scope of insurance policy cover - Insurance marketing strategies **A.5 Meetings:** - Site Visits as agreed - Review meetings as agreed - Service review meetings - Site visits on all major losses - Other as agreed **A.6 Contracts:** - Advice (indemnity and insurance provisions) **A.7 General:** - Provision of insurance market information --- ### Section 2 – Hurford Parker Financial Services Limited – where applicable **A.8 Insurance and Advisory Service:** - Placement of insurance programme - Insurance renewal planning and strategy - Marketing of insurance policies - Insurance transactions **A.9 Documentation:** - Agenda and minutes for meetings - Insurance summary schedule - Special Terms and Endorsements summary - Policies - Claims Reports - Renewal Reports - Other reports as may be agreed **A.10 Claims:** - Administration - Advocacy - Monitoring progress and negotiation with interested parties - Recording and analysis as may be agreed **A.11 Advice:** - Identify insurable personal and business risks - Fact find and Needs Analysis - Scope of insurance policy cover - Insurance marketing strategies **A.12 Meetings:** - Review meetings as agreed - Service review meetings - Other as agreed **A.13 General:** - Provision of insurance market information --- ### Section 3 – Insurance Policy Options (Main Policies) **A.14 Property and Business Interruption:** - Advance Profits - Boiler Explosion and Pressure Vessels - Book Debts - Business Interruption - Computer and Computer Consequential Loss - Contract Works - Crime - Deterioration of Stock - Electronic Equipment and Business Interruption Following Electronic Breakdown - Farm Insurance - Fidelity and Computer Crime - Installation and Erection Risks - Machinery Breakdown - Material Damage - Natural Disaster and Earthquake Cover - Natural Disaster (Earthquake) Deductible Buy-down - Terrorism **A.15 Liability Risks:** - Bailees Liability - Defective Workmanship/Property Being Worked On - Directors and Officers Liability - Employers Liability - Employment Disputes Liability - Exemplary Damages (also called Punitive Damages) - Extra Territorial Workers Compensation - General Liability (or Public Liability) - Legal Defence Costs - Liability Consequential Loss - Libel and Slander/Defamation - Product Guarantee - Products Liability - Product Recall and Contamination - Professional Indemnity and/or Errors and Omissions - Prospectus Liability - Ship Repairers Liability - Statutory Liability - Trustees Indemnity - Warranties and Representations Liability --- ## https://financeadvisers.co.nz/api/provider/FSP376826/disclosure.md > _Markdown transcription of Albany Insurance Canterbury Limited's Public Disclosure Statement, version 2026-05-18. Source: https://cdn.prod.website-files.com/5d22d6ef396cc08518dcf5a1/604fc5affb7131bc8af4d1b6_AIS%20-%20Disclosure%20Statement.pdf._ --- # Albany Insurance Services Limited Disclosure Statement ## Details - **Name of financial adviser Provider:** Albany Insurance Services Limited (referred to as AIS) - **Trading names:** Albany Insurance Services Ltd - **Telephone Number:** 09 415 8211 - **Address:** 222 Dairy Flat Highway, Albany Village, Auckland - **Email address:** jeremy@albanyins.co.nz - **Website:** www.albanyins.co.nz ## It is important that you read this information It will help you (the client) make an informed decision whether we (AIS) and our adviser's financial advice and products are suitable for your needs and whether to seek, follow or accept the financial advice. This Disclosure Statement is required under the Financial Markets Conduct (Regulated financial advice Disclosure) Amendment Regulations 2020. ## What sort of advisers are we? We are a licensed Financial Adviser Provider by the Financial Market Authority of New Zealand (FMA) https://www.fma.govt.nz/. Financial Services Legislation Amendment Act 2019 requires AIS 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 **FSP26201**. As a Licensed Financial Adviser Provider, we have Standard Conditions on our license, these conditions are not specific to AIS and does not limit or restrict Advice that may be given. ## What financial advice can we provide to you? AIS and our advisers give financial advice on Insurance Products for Commercial and Domestic clients. Our Insurance product providers are Insurance business in New Zealand that are licensed under 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 on the link https://www.rbnz.govt.nz/regulation-and-supervision/insurers/licensing/register. AIS Insurance product providers are required to have financial strength ratings with a minimum of A- 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 AIS 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. ## What fees do we charge? We may charge clients fees 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 you choose to accept and purchase. The total fees payable may increase with the number of insurance policies that you choose to purchase. The fees are payable by you and are due by the effective date of the policy which is on the invoice. ## How do we act with Integrity? To ensure that we prioritise your interests above our own, we follow an advice process that ensures recommendations are made on the basis of your individual goals and circumstances. We complete annual and ongoing training about how to manage conflict of interests and a register of interests is maintained. AIS monitors these registers and provides additional training where necessary. AIS performs an annual review of the compliance programme. You should be aware 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, 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? AIS receives commission when the client accepts our financial advice and purchases an insurance policy. The commission is paid by the Insurer (product provider's) for the insurance business on each insurance policy that the Client purchases. The commission that is paid to us can be between the range of **0-30% of the insurer portion** (total premium of the Insurance Policy less government levies and taxes). ### NZbrokers Management Limited AIS 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 AIS. When a client accepts our financial advice as your adviser and purchases a policy NZbrokers may 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 other reliability events that would influence you the client in deciding whether to seek or obtain advice from us or our adviser's. ## What are our advisers duties? Our advisers give financial advice to clients on AIS behalf. When giving advice all 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 and have Ethical behaviour, good conduct and provide client Care. https://www.mbie.govt.nz/assets/a96d1b4800/code-of-professional-conduct-for-financial-advice-services.pdf - Listen carefully to your needs. - Recommend products or services that meet those needs and explain why. - Give clear and concise communication. - Protect information. - Give priority to your interests when giving financial advice. ## How to make a Complaint If you have a problem, concerns or you are dissatisfied with either a product or financial advice Service that has 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.albanyins.co.nz which will give details on our Complaints Process and how to make a Complaint. If a complaint is received by us, 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 every attempt will be made to resolve your complaint in a timely manner, with staff escalating as necessary to Senior Management or 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 AIS complaints process, or you are dissatisfied with the response or resolution, you can contact **Insurance & Financial Services Ombudsman Scheme**. IFSO 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 IFSO https://www.ifso.nz/make-a-compaint ### You can contact IFSO at: - **Postal Address:** PO Box 10-845, Wellington, 6143 - **Phone:** 04 499 7612 or Freephone 0800 888 202 - **Email:** Contact via website www.ifso.nz ## Who licenses and regulates us? The Financial Markets Authority. You can report information about us to the Financial Markets Authority at: https://www.fma.govt.nz/contact/ or email questions@fma.govt.nz but if you want to complain you should 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:** 15/03/2021 --- ## https://financeadvisers.co.nz/api/provider/FSP38082/disclosure.md > _Markdown transcription of Amp Services (nz) Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.amp.co.nz/advice-disclosure._ --- # Help with the advice we provide at AMP NZ AMP Services (NZ) Limited (FSP38082, "AMP NZ") holds a licence issued by the Financial Markets Authority to provide a financial advice service. --- ## The types of products on which AMP NZ provides financial advice AMP NZ (together with its advisers and nominated representatives) gives customers financial advice on savings, investment and retirement savings products. The products we provide advice on include: - Term Deposits provided by Heartland Bank - Managed Funds - KiwiSaver - Superannuation --- ## Scope of AMP NZ's financial advice AMP NZ provides focused, straightforward financial advice on AMP branded products and considers a limited range of customer information during the advice process. AMP NZ may, where appropriate, refer to publicly available information from other providers (for example, fees, returns, asset allocation, or key features) to help you make informed decisions. However, we do not provide detailed product comparisons, comprehensive market reviews, or full financial planning services. Customers with more complex financial advice requirements will be referred to AdviceFirst, a related entity of AMP NZ, which can provide these broader services. ### AMP 'Retirement Coaching' Service AMP NZ offers a retirement coaching service focused on supporting your retirement planning needs. Through this service, AMP Coaches (nominated representatives, or financial advisers of AMP NZ), will work with you to understand your financial situation, clarify your goals, and develop a retirement strategy tailored to your circumstances. In addition to AMP NZ's standard financial advice on AMP Products, this includes: - **Investment Planning Services**, which focus on retirement modelling to help you understand whether you are on track to achieve your retirement goals. This involves reviewing your current assets, projected savings, and modelling different future scenarios to show how long your money may last and options to improve your position; and - **Holistic discussions of your broader financial situation** — including property, mortgages, cash flow, budgeting, and insurance — these are not personalised financial advice in these areas but are for the purpose of building a complete picture of your retirement. If you need further or specialised financial advice in an area AMP NZ is unable to provide, we may refer you to **enable.me**, a financial advice service operated by AdviceFirst Limited (part of the AMP Group of companies and therefore a related entity of AMP NZ), which provides help with cash-flow planning, mortgage strategies, and broader financial advice. --- ## Fees, expenses or other amounts payable for financial advice from AMP NZ AMP NZ does not charge fees, expenses or any other amount for financial advice provided to customers. --- ## Conflicts of interest, commissions or other incentives relating to AMP NZ's financial advice AMP NZ's financial advisers and nominated representatives are remunerated by salary and may be eligible for an annual bonus. The bonus scheme is based upon a balanced scorecard of factors which align with AMP's values. AMP doesn't have any sales-based incentives and considers that its remuneration structure does not influence the advice provided to customers. To ensure that AMP NZ's advisers and nominated representatives prioritise customer interests, advice processes are followed that ensure recommendations are made based on customer needs, general goals and circumstances. All AMP NZ's financial advisers and nominated representatives complete annual training on how to manage conflicts of interest. We maintain and monitor registers of conflicts of interest, and the gifts and incentives we receive over $100. Where AMP NZ refers customers to enable.me, referrals are made solely based on customer needs and suitability. Customers are under no obligation to engage with enable.me and any applicable fees will be disclosed to the customer by enable.me directly. --- ## Complaints Handling and Dispute Resolution If you have a complaint about our financial advice, in the first instance you may: - **Phone:** 0800 267 005 - **Email:** investments@amp.co.nz - **Write to:** AMP Services (NZ) Limited PO Box 55, Shortland Street Auckland 1140 When you raise a complaint, we will: - Acknowledge your complaint in a timely manner and give you assurance that we'll investigate; - Investigate your complaint and give you an explanation of what happened and why; and - If required, work with you to reach a fair resolution. For further information on AMP NZ's complaints process refer to: https://www.amp.co.nz/contact/feedback If we can't resolve your complaint or you don't think your complaint has been addressed sufficiently, you can contact the **Insurance & Financial Services Ombudsman Scheme**. This is a free, independent dispute resolution service available to consumers, which may help investigate and resolve your complaint. **Insurance & Financial Services Ombudsman Scheme contact details:** | Method | Details | |--------|---------| | Post | PO Box 10-845, Wellington, 6143 | | Phone | 04 499 7612 or freephone 0800 888 202 | | Email | info@ifso.nz | --- ## Duties Information AMP NZ, 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 clients' interests; - Exercise care, diligence and skill; - Meet standards of competence, knowledge, and skill set by the Code of Professional Conduct for Financial Advice Services; and - Meet the standards of ethical behaviour, conduct, and client care set by the Code of Conduct for Financial Advice Services. This is only a summary of the key duties we have. More information on our duties can be found on the Financial Markets Authority website. --- *AMP NZ, and anyone who gives advice on its behalf, have duties in the Financial Markets Conduct Act 2013 relating to the way that we give advice.* --- ## https://financeadvisers.co.nz/api/provider/FSP38581/disclosure.md > _Markdown transcription of Fisher Funds Management Limited's Public Disclosure Statement, version 2026-05-23. Source: https://assets.fisherfunds.co.nz/ff-advice-disclosure._ --- # Fisher Funds Disclosure Statement ## Fisher Funds Management Limited This advice disclosure is provided by Fisher Funds Management Limited (Fisher Funds). Fisher Funds is a specialist investment manager and issuer of Financial Advice Products with a commitment to delivering competitive investment returns and providing quality advice and client service. Fisher Funds is registered on the Financial Services Provider Register (FSP38581). **Email** enquiries@fisherfunds.co.nz **Phone** 0508 347 437 **International** +64 9 445 3377 **Website** fisherfunds.co.nz **Postal Address** Private Bag 93502 Takapuna, Auckland 0740 **Address** Level 1, Crown Centre, 67-73 Hurstmere Road Takapuna, Auckland 0622 ### Fisher Funds' Licence Fisher Funds Management Limited holds a Financial Advice Provider Licence issued by the Financial Markets Authority. This disclosure statement was approved on 31/10/2025 --- ## Nature and scope of financial advice Subject to meeting competency, knowledge and skills requirements, Fisher Funds, our financial advisers and nominated representatives may provide financial advice services on Financial Advice Products issued by Fisher Funds and any of its related entities only as below. We provide advice in person (including face-to-face and telephone advice) and digitally. Fisher Funds also provides advice in connection with the Private Portfolio Service, which is a discretionary investment management service provided by Fisher Funds*. We do not provide advice on estate or insurance planning, taxation or legal matters. You should consult a specialist if you need advice on these matters. ### Financial Advice Product Name/Product Type - Fisher Funds KiwiSaver Scheme — Managed Fund - KiwiSaver Scheme - Fisher Funds TWO KiwiSaver Scheme — Managed Fund - KiwiSaver Scheme - Fisher Funds Premium Service — Managed Fund - Fisher Funds Managed Funds — Managed Fund - Fisher Funds Investment Series — Managed Fund - FuturePlan — Managed Fund - Superannuation Scheme - Fisher Funds LifeSaver Plan — Managed Fund - Workplace Savings Scheme - Fisher Funds KiwiSaver Plan — Managed Fund - KiwiSaver Scheme - Fisher Funds Investment Funds — Managed Fund --- ## Fees, expenses and other amounts payable Fisher Funds, our financial advisers and nominated representatives do not charge separate fees, expenses or other amounts for the financial advice services we provide. --- ## Conflicts of interest ### Policy We have a Conflicts of Interest Policy which assists us to identify and manage potential and actual conflicts to enable us to prioritise clients' interests over our own. Conflicts can arise out of: #### Developing, advising and investing in our own products Fisher Funds (including its related entities) develops and offers the Financial Advice Products that we advise on and receives revenue from investors who invest in our Products. We implement your investment decisions in our Financial Advice Products by investing in Fisher Funds' wholesale funds and/or directly held funds. #### Paying incentives to financial advisers and nominated representatives Our financial advisers (other than our investment advisers) and nominated representatives are eligible to participate in incentive plans and may receive bonus payments of up to 30% of their annual salaries. Your investing decisions could influence their bonuses. Our investment advisers can earn incentives and commissions if certain targets are met. If an investment adviser opens 15 or more new accounts in a month, they receive $25 for each account opened, including the first 15. They also earn 0.16% of the total amount deposited into those new accounts. In addition, they may receive a discretionary bonus of up to 10% of their salary. Your investment choices may affect the incentives, commissions, or bonuses they receive. To manage this conflict, a sample of their advice calls is reviewed by our Quality Assurance team to check that conduct and regulatory standards are met. Incentives are only paid when those calls meet Fisher Funds' quality standards. #### Financial advisers and nominated representatives investing in our own Financial Advice Products Fisher Funds' employees, including our financial advisers and nominated representatives, invest in our Financial Advice Products and could make decisions to benefit themselves. #### Third party referrals Where third parties refer potential clients to Fisher Funds, we may pay a fee to that third party for the referral. ### Conflicts management Conflicts of interest are managed in various ways including: - training and awareness for financial advisers and nominated representatives on good client outcomes; approved advice processes; access to advice tools; and quality checking of advice and advice processes for good client outcomes. - through disclosure, recognising that investment in Fisher Funds' wholesale funds provides clients with access to a greater range of investment opportunities. Investment management fees are either not charged, or if charged are refunded, by the wholesale funds in respect of the Financial Advice Products that invest in them. - our investment advisers, financial advisers, and nominated representatives are employed on a fixed salary. Eligibility for any incentives, commissions, and bonuses depends on a range of factors which can include new client accounts opened and client investment retention; compliance with business and regulatory requirements; meeting client service standards; making team contributions; prioritising client interests; achieving good client outcomes; and ongoing assurance and conduct reviews. - With the exception of providing advice in connection with the Private Portfolio Service (a discretionary investment management service) our financial advisers and nominated representatives do not have individual authority to determine the investment strategies and asset allocations of our Financial Advice Products. These decisions are considered and approved by our Investment Policy Committee. There is an internal investment selection process to choose the investments which make up the Financial Advice Products and the Products must comply with their Statements of Investment Policies and Objectives (which are publicly available). - our financial advisers and nominated representatives do not receive commissions in respect of the Financial Advice Products you choose to invest in. --- ## Duties information Fisher Funds, our financial advisers and nominated representatives have duties under the Financial Markets Conduct Act 2013 that govern how we provide financial advice. We must: - meet the standards of competence, knowledge and skill (including continuing professional development) set out in the Code of Professional Conduct for Financial Advice Services (the Code) and any other prescribed criteria for giving financial advice. - give priority to your interests when giving financial advice, particularly where there is a conflict between your interests and ours. This includes taking reasonable steps to ensure that the financial advice we provide to you is not materially influenced by our own interests or those of our financial advisers, nominated representatives or any other person connected with giving the financial advice. - exercise the care, diligence and skill that a prudent person in the business of giving financial advice would exercise in the same circumstances. - meet standards of ethical behaviour, conduct and client care as required by the Code. --- ## Complaints process You can complain about our financial advice services as follows: **Email** enquiries@fisherfunds.co.nz **Phone** 0508 347 437 **International** +64 9 445 3377 **Website** fisherfunds.co.nz/complaints **Postal Address** Private Bag 93502 Takapuna, Auckland 0740 **Address** Level 1, Crown Centre, 67-73 Hurstmere Road Takapuna, Auckland 0622 We have a Complaints Management Policy which sets out how complaints are managed internally, from receipt through to resolution. - We will acknowledge your complaint within 2 working days and aim to resolve it within 20 working days. - After receiving a complaint, we will often come back to you to provide an explanation, make a request for more information, or with a resolution. - If you don't accept the resolution, you can ask us to review our decision. - If, after our internal review, you don't accept our decision or more than 20 working days have passed since your original complaint, you can refer the complaint to Financial Services Complaints Limited (FSCL). - We can also refer the complaint to FSCL at any stage if we consider this to be the most appropriate course of action. --- ## Dispute resolution process Financial Services Complaints Limited (FSCL) is a Financial Ombudsman service providing access to a free independent dispute resolution service which can help you to investigate or resolve a complaint that has not been resolved to your satisfaction through our internal complaints process. You can contact FSCL as follows: **Phone** 0800 347 257 **Email** complaints@fscl.org.nz **Postal Address** Financial Services Complaints Limited PO Box 5967 Wellington 6140 **Address** Financial Services Complaints Limited Level 4, 101 Lambton Quay Wellington 6011 --- ## How to get a copy A copy of this Advice Disclosure is available free of charge by contacting Fisher Funds. **fisherfunds.co.nz** | **0508 347 437** | **enquiries@fisherfunds.co.nz** | **Private Bag 93502 Takapuna, Auckland 0740** --- ## https://financeadvisers.co.nz/api/provider/FSP38761/disclosure.md > _Markdown transcription of Runacres Insurance Limited's Public Disclosure Statement, version 2026-05-24. Source: https://runacres.co.nz/company-disclosure-statement/._ --- # Company Disclosure Statement **Runacres Insurance Limited** --- ## Who are we? **Name of Financial Adviser Provider:** Runacres Insurance Limited **Telephone Number:** 03 379 1001 **Address:** Level 3, 351 Lincoln Road, Addington, Christchurch 8024 **Website:** https://runacres.co.nz/ --- ## It is important that you read this information It will help you (the Client) make an informed decision whether we (Runacres Insurance) and our adviser's financial advice and products are suitable for your needs and whether to seek, follow or accept the Financial Advice. This Disclosure Statement is required under the Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendment Regulations 2020. --- ## What sort of Advisers are we? We are a licensed Financial Adviser Provider and Authorised Body by the Financial Market Authority of New Zealand (FMA). Financial Services Legislation Amendment Act 2019 requires us 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 and search our Financial Service Provider (FSP) number **FSP38761**, or visit https://fsp-register.companiesoffice.govt.nz/ As a Licensed Financial Adviser Provider we have Standard Conditions on our license; these conditions are not specific to us and do not limit or restrict Advice that may be given. --- ## What Financial Advice can we provide to you? Runacres Insurance and our advisers give Financial Advice on fire and general insurance products for Retail and Wholesale 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. Runacres Insurance's 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 Runacres 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 fire and general Insurance Products. As a Brokerage we do not give advice or offer products from Direct Insurers (e.g. AMI, State, Tower). --- ## Lloyds Coverholder Runacres Insurance is a Lloyds Coverholder, representing various Lloyds Syndicates. Lloyds is a member of the Insurance Council of NZ and its NZ Coverholders adhere to the Fair Insurance Code, which provides you with assurance that we have high standards of service to our customers. --- ## How do we get paid for the Financial Advice and Products that we provide to you? Runacres Insurance and our General Insurance Advisers **do not receive** any commission or other incentives for giving Financial Advice. Runacres Insurance **does receive** commission when the client accepts our financial advice and purchases an insurance policy. The commission is paid by the Insurer (product provider's) for the insurance business on each insurance policy that the Client purchases. The commission is paid to us and can be between the range of **0–28%** of the insurer portion (total premium of the Insurance Policy less government levies and taxes). ### AUB Group We are part of the AUB Group. AUB Group NZ Limited may receive a service fee from the insurer when you accept financial advice from us and purchase an insurance policy. We may place your insurance with one or more underwriting agencies within the wider AUB Group, where AUB Group Limited is a shareholder. As a member of the same group, we may indirectly benefit from any such referral or advice if it improves group performance. Any placement or referral will be at arm's length. ### NZbrokers Management Limited We are 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 us. When a client accepts our financial advice as your adviser and purchases a policy, NZbrokers may receive a service fee or technology fee from the Product Provider. ### Profit Share We have an underwriting binder arrangement with Lloyds of London and may receive a profit commission of up to **22.5%** of the net profit for business placed for all clients for a particular year into the Lloyds of London Binding Authority Agreement for that year. Net Profit is calculated as Premium less commissions, taxes, claims, and underwriting expenses including losses carried forward for up to 3 years. ### Insurance Premium Funds We also earn investment income from the handling of insurance premium funds. ### 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, it does not act as your credit provider or finance broker, but we act as an agent for the funding company who is your premium funder. --- ## What fees do we charge? We may charge clients fees 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 you choose to accept and purchase. The total fees payable may increase with the number of insurance policies that you choose to purchase. The fees are payable by you and are due by the effective date of the policy which is on the invoice. Our Payment terms are also clearly itemised on our website under Terms of Trade (see Runacres Insurance Limited Terms of Trade below). --- ## 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 provide additional training where necessary. We perform an annual review of our compliance programme. You should be aware there may be 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 can you depend on the Advice you receive? We have not been subject to any other reliability events that would influence you the Client in deciding whether to seek or obtain advice from us or our Advisers. --- ## How to make a complaint? If you have a problem, concerns or you are dissatisfied with either a product or financial advice service that has been provided by us or one of 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 visit: https://runacres.co.nz/compliments-complaints/ If a complaint is received by us, 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 Complaints Manager. You will receive a written decision, remedies, and resolution as soon as practicable after we have decided the outcome. ### Lloyds Underwriter complaints process Runacres Insurance, in its capacity as a Lloyds Coverholder, has a separate complaints process. It can be lodged via the Lloyd's NZ Complaint Process: https://www.lloyds.com/en-nz/resources-and-services/make-a-complaint/policyholder-complaint/international-complaints/new-zealand --- ## What to do if you are not satisfied after making a Complaint? If you feel your complaint is not resolved to your satisfaction using our complaints process, or you are unsatisfied with the response or resolution, you can contact **Financial Services Complaints Ltd (FSCL)**, 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 must contact FSCL within **3 months** from the date of our final decision. If you do not contact FSCL within this time, they will be unable to assist you. **You can contact FSCL at:** - **Postal Address:** P.O. Box 5967, Wellington 6140 - **Email:** complaints@fscl.org.nz - **Telephone:** 0800 347 257 or +64 4 472 3725 (international) - **Website:** http://www.fscl.org.nz/ --- ## What are our Advisers' duties? Our Advisers give financial advice to clients on Runacres Insurance's behalf. When giving advice all 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 and have ethical behaviour, good conduct and provide Client Care. - Listen to the client carefully to discover their needs. - Recommend products or services that meet the client needs and explain why. - Give clear and concise communication. - Protect client information. - Give priority to the client's interests when giving financial advice. Client Service Standards Statement: https://runacres.co.nz/client-service-standards-statement/ --- ## Who licenses and regulates us? The Financial Markets Authority. You can report information about us to the Financial Markets Authority at: https://www.fma.govt.nz/contact/ or email questions@fma.govt.nz If you want to complain you should 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 last updated on 26th August 2025.** --- ## Runacres Insurance Limited Terms of Trade ### 1.0 Definitions 1.1 Company means Runacres Insurance Limited; Insurer means the provider of the insurance policy or product. 1.2 Client means the person or Company obtaining advice on insurance products and services. 1.3 Premium is the charge of the policy. 1.4 Insurance Policy is the Insurance product provided to the client and combines the policy document, insurance schedule and application form. 1.5 Contract is the agreement by the client to pay the premium in exchange for advice from the Company and for the insurer to provide cover as set out in the Insurer policy document. 1.6 Period means the dates the policy applies to. ### 2.0 Client Responsibilities 2.1 The Client must pay the Premium as set out below. 2.2 The client must provide all relevant information to the Company. 2.3 The client must inform the Company of any material change during the period of this contract. 2.4 If the client fails to follow these responsibilities it may invalidate the policy. ### 3.0 Company Responsibilities 3.1 The Company will provide insurance broking services with reasonable care, integrity and skill and as defined by the Code of Conduct. All representations made (whether express or implied) and all other implied conditions, warranties and terms as to the provision of the services are otherwise excluded to the extent permitted by law. 3.2 The Company will forward premium payments received to the Insurer as per the Insurance Intermediaries Act 1994. 3.3 The Company and Insurer will keep all Client information confidential and will use it for the sole purpose of which it was disclosed in line with the Privacy Act. 3.4 The Company may correspond with you by electronic communication which may not always be secure and may be read, copied or interfered with in transit. We are not responsible for risks associated with electronic communication. ### 4.0 Commissions and Fees 4.1 The company will receive commission from Insurers. 4.2 We may alternatively or in addition charge a fee for our services. 4.3 Unless mandated by law, commissions and any fee earned on policies are deemed to be earned at the inception of the policy. ### 5.0 Payment, Late Payment, Default of Payment and Consequences of Default of Payment 5.1 Included payment terms. 5.2 The method of payment will be made by direct credit, credit card or as arranged through Bexhill and/or Hunters Premium Funding Limited. 5.3 Payment in full of outstanding amounts shall be received no later than **30 days** from the effective/inception date of the cover, unless specific written agreement to the contrary. 5.4 If the payment remains outstanding further to the above, then your policy may be cancelled and be null and void. Any claim on the Insurer could be invalid. 5.5 Credit Card payments are subject to a **1.25% surcharge**. ### 6.0 Premium Funding 6.1 The client has the option to pay premiums via a third party Premium Funding provider (Hunters Premium Funding Limited or Bexhill Premium Funding Ltd) subject to their terms and conditions. 6.2 Any invoices that are billed outside of the Premium Funding arrangement are subject to be paid as stated above in Clause 5.2. 6.3 We may also earn investment income from the handling of premium funding. Should we arrange Premium Funding for you, we may receive commission from the Premium Funding Company. ### 7.0 Cancellation 7.1 The Client is able to cancel policy(ies) with the Insurer at any time by providing written notice to the Company. 7.2 If the Company and/or Insurer are unable to continue to offer the policy and/or services to the Client, we will provide written notice subject to the Insurer policy. 7.3 Commission earned and/or fee charged for the Company's services are considered to be earned at the time the insurance cover is placed and are not refundable in the event the cover is terminated early. 7.4 Any new domestic policy cancelled within the first 12 months of inception will incur a minimum fee of **50% of the premium payable**. 7.5 Any refunds created by the cancellation of a policy either by the Client, the Company or the Insurer will only be paid back to the client once any premiums or outstanding premiums have been received from the Insurer. --- ## Ownership / Material Business Relationships - **Licensed FAP:** Runacres Insurance Limited — FSP38761 - **Part of AUB Group:** AUB Group NZ Limited may receive service fees from insurers; business may be placed with AUB Group subsidiary underwriting agencies. - **NZbrokers Management Limited:** Provides IT, education, training, technical support and group benefits; may receive service or technology fees from product providers. - **Lloyds of London:** Runacres holds a Binding Authority Agreement (Coverholder) and may earn profit commission up to 22.5% of net profit on business placed. - **Dispute Resolution Scheme:** Financial Services Complaints Ltd (FSCL) - **Regulator:** Financial Markets Authority (FMA) --- *Sub-documents referenced on this page:* - *Client Service Standards Statement:* https://runacres.co.nz/client-service-standards-statement/ - *Complaints process page:* https://runacres.co.nz/compliments-complaints/ - *FSCL complaints process:* http://www.fscl.org.nz/complaints/how-make-complaint - *Lloyd's NZ Complaint Process:* https://www.lloyds.com/en-nz/resources-and-services/make-a-complaint/policyholder-complaint/international-complaints/new-zealand - *FMA Standard Conditions for full FAP licences:* https://www.fma.govt.nz/assets/Consultations/Standard-Conditions-for-full-FAP-licences.pdf - *Code of Professional Conduct for Financial Services:* https://financialadvicecode.files.wordpress.com/2021/03/codeofprofessionalconduct-march2021.pdf --- ## https://financeadvisers.co.nz/api/provider/FSP387967/disclosure.md > _Markdown transcription of Zenith Financial Group Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.zenithfinancial.co.nz/primary-disclosure._ --- # Company Disclosure Statement **Zenith Financial Group Limited** --- ## Identifying Information | | | |---|---| | **Physical Address** | 4 Takahe Road, Titirangi, Auckland | | **Postal Address** | PO Box 60131, Titirangi, Auckland | | **Trading Name** | Zenith Financial Group Ltd | | **Telephone** | 0800 ZENITH | | **Email** | service@zenithfinancial.co.nz | **This disclosure statement was prepared on: 12 February 2021** > It is important that you read this document. This information will help you to choose a financial adviser that best suits your needs. It will also provide some useful information about the financial adviser that you choose. --- ## Licensing Information Zenith Financial Group Limited (FSP387967) holds a licence issued by the Financial Markets Authority to provide financial advice. Zenith Financial Group Limited (FSP387967) is authorised by that licence to provide financial advice to you. --- ## Nature & Scope of Advice Zenith Financial Group Limited advisers can provide advice to our clients about their life insurance and health insurance. Our financial advisers provide financial advice in relation to life insurance and health insurance. We only provide financial advice about products from certain providers: - **Life insurance** – Partners Life, Fidelity Life, AIA, Asteron Life - **Health insurance** – Southern Cross, Partners Life, AIA, Accuro In providing you with financial advice, we will only consider existing term life, trauma, income protection and health insurance policies (if any). We will not provide advice on existing whole of life or endowment products, so you will need to consult a specialist if you would like advice on those products. --- ## Conflicts of Interest & Incentives For life insurance and health insurance, Zenith Financial Group and the financial adviser may receive commissions from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to Zenith Financial Group and your financial adviser. The amount of the commission is based on the amount of the premium. To ensure that our financial advisers prioritise the client's interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the client's goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake regular internal advice audits to check the advice given by our financial advisers. Depending on the outcomes of our advice to you, Zenith Financial Group may receive commissions from the relevant insurance company if you take out insurance following our advice. To ensure that we prioritise your interests above our own, Zenith Financial Group follows an advice process that ensures their recommendations are made on the basis of your individual goals and circumstances. We complete annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme annually. --- ## Referrals Zenith Financial Group may from time to time refer fire & general business to Primsure Brokers for which we receive a fee if business is placed into force. Zenith Financial Group refers KiwiSaver to Generate KiwiSaver for which we receive a fee. --- ## Outsourcing Zenith Financial Group outsources some of its research tools and I.T. capability to third party providers. We have taken reasonable steps to ensure that your private information is protected and is only used for the purpose for which it was provided. --- ## Complaints Handling If you are not satisfied with our financial advice service you can make a complaint by: - **Email:** complaints@zenithfinancial.co.nz - **Phone:** 0800 ZENITH - **Post:** PO Box 60131, Titirangi, Auckland 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact **Financial Services Complaints Limited (FSCL)** disputes resolution scheme. FSCL provides a free, independent dispute resolution service that may help investigate or resolve your complaint. **Contact FSCL:** - **Email:** complaints@fscl.co.nz - **Phone:** 0800 347 257 --- ## Duties Information Zenith Financial Group, 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 isn't 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). --- ## Fees & Expenses Zenith Financial Group and its financial advisers **do not charge fees, expenses or any other amount** for the financial advice provided to its clients. --- ## Declaration The directors of Zenith Financial Group, **Scott Palmer**, **Brent Postlewaight** & **Justin Jennings** declare that, to the best of our knowledge and belief, the information contained in this disclosure statement is true and complete and complies with the disclosure requirements in the Financial Markets Conduct Act 2013 & Financial Markets Conduct Amendment Regulations 2020. --- ## https://financeadvisers.co.nz/api/provider/FSP391786/disclosure.md > _Markdown transcription of Milford Private Wealth Limited's Public Disclosure Statement, version 2026-05-24. Source: https://milfordasset.com/getting-advice._ --- # Financial Advice Provider Disclosure — Milford ## Getting Advice at Milford When it comes to investing, research shows that people who have taken advice on board, often end up balancing risk and reward better than those who haven't. Milford offers financial advice and it is important you understand the limitations of any advice you receive. The below table indicates which services offer advice and fees that are applicable. --- ## Milford Services | Service | Is this a Financial Advice Service? | Are Advice Fees Applicable? | Are Fund Fees Applicable? | |---|---|---|---| | Investor Services | No | No | Yes | | Wealth Management: Advice | Yes | Yes | Yes | | Wealth Management: Self-Select | No | No | Yes | | Digital Advice | Yes | No | Yes | | KiwiSaver Advice | Yes | No | Yes | | Wholesale | No | No | Yes | > Please note, Investor Services, Wealth Management Self-Select and Wholesale do not provide any financial advice, these are information-only services. --- ## Nature and Scope of Advice We provide financial advice about Milford products. Our Financial Advisers provide financial advice in relation to the Milford KiwiSaver Plan, Milford Investment Funds and our discretionary investment management service. We also have two digital advice tools which provide advice about the Milford KiwiSaver Plan or a selection of Milford Investment Funds. Our financial advice has some limitations, these include: - We only provide financial advice in relation to Milford Products. - We do not provide financial advice in relation to any other investment product. - We do not give specific advice on some of the wider issues you may need to consider such as budgeting, estate planning, taxation and insurance planning. You will need to consult a specialist if you would like advice on these matters. - Our digital advice tool for Milford Investment Funds does not consider our full range of funds available. The tool will only provide recommendations relating to our Cash, Conservative, Diversified Income, Balanced, Active Growth and Aggressive funds. *Depending on the type of financial advice provided, there may be further limitations. These will be clearly explained to you before any financial advice is given.* --- ## Advice Fees or Expenses - **Digital Advice:** There are no separate fees for receiving one-off digital financial advice, however fund fees will apply. - **KiwiSaver Financial Advice:** There are no separate fees for receiving one-off financial advice, whether digital or through one of our KiwiSaver Financial Advisers, however fund fees will apply. - **Wealth Management & Advice:** There are separate fees for our personalised, ongoing Wealth Management service which incorporates financial advice. The amount of any fees applicable will be clearly explained to you before (or at any time) you receive financial advice. --- ## Commissions and Other Incentives Milford and its Financial Advisers do not receive any commissions or incentives in relation to financial advice given or acted on and only provide advice on Milford investments. --- ## Conflicts of Interest We only advise on Milford funds. Consequently, a conflict of interest exists because those funds are managed by Milford and Milford receives fees from such funds (and in some cases the service) you invest in. Any additional conflicts of interest will be clearly explained to you before (or at any time) you receive financial advice. **How do we manage these conflicts?** We clearly explain that we only advise on Milford funds, and our advice is based on your goal(s). We also provide clear disclosure of all applicable fees. Further information is available upon request, free of charge. --- ## Complaints Handling and Dispute Resolution Information about how to make a complaint and an overview of Milford's internal complaints process is available at [milfordasset.com/complaints](https://milfordasset.com/complaints). The website also provides information about, and the contact details for, the free independent dispute resolution service to which Milford belongs. --- ## Duties Information Milford Private Wealth Limited, and anyone who gives financial advice on our behalf, has duties relating to the way that we give advice. These include: 1. **Giving priority to your interests** by taking all reasonable steps to make sure our advice isn't materially influenced by our own interests. 2. **Exercising care, diligence and skill** in providing you with advice. 3. **Meeting 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). 4. **Meeting 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). *The above is only a summary. More information about the duties that Milford Private Wealth and its financial advisers have is available by contacting us.* --- ## Licensing Information **Milford Private Wealth Limited** (FSP391786) holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice. --- *The above information is available in writing, on request and free of charge.* *Last updated: 31 January 2023* --- > **Note:** The complaints page at [milfordasset.com/complaints](https://milfordasset.com/complaints) contains further details on Milford's internal complaints process and the external dispute resolution scheme. That content is hosted as a separate page and has not been reproduced here. --- ## https://financeadvisers.co.nz/api/provider/FSP39201/disclosure.md > _Markdown transcription of Professional Investment Services (manawatu) Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.pismanawatu.co.nz/disclosure._ --- # Disclosure | Professional Investment Services Manawatu --- ## Publicly Available Information [Publicly Available Information (FAP Disclosure for website, Aug 2024)](https://irp.cdn-website.com/dcd2c1f9/files/uploaded/Publicly+available+information+FAP+Disclosure+for+website_Aug+2024.pdf) --- ## Personal Disclosure Statements - [Alison Lissington](https://irp.cdn-website.com/dcd2c1f9/files/uploaded/Personal+Disclosure+-+Scope+-+Alison+Dec+2025.pdf) - [Anna Cuming](https://irp.cdn-website.com/dcd2c1f9/files/uploaded/Personal+Disclosure+-+Scope+-+Anna+Dec+2025.pdf) - [Maryann Pratt](https://irp.cdn-website.com/dcd2c1f9/files/uploaded/Personal+Disclosure+-+Scope+-+Maryann+Dec+2025.pdf) - [Toni-Ann Dench](https://irp.cdn-website.com/dcd2c1f9/files/uploaded/Personal+Disclosure+-+Scope+-+Toni-Ann+Dec+2025.pdf) - [Alex Ritchie](https://irp.cdn-website.com/dcd2c1f9/files/uploaded/Personal+Disclosure+-+Scope+-+Alex+Dec+2025.pdf) --- ## Complaints Procedure Complaints handling and dispute resolution: If you are not satisfied with our financial advice service you can make a complaint by emailing [admin@pismanawatu.co.nz](mailto:admin@pismanawatu.co.nz), or by calling 06 355 4422. You can also write to us at PO Box 1255, Palmerston North 4440. When we receive a complaint, we will consider it using 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 5 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact **Financial Services Complaints Limited (FSCL) – A Financial Ombudsman Service**. FSCL provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we haven't been able to resolve your complaint to your satisfaction. **Contact FSCL:** - Phone: 0800 347 257 - Email: [complaints@fscl.org.nz](mailto:complaints@fscl.org.nz) --- ## Additional Documents - [Client Service Promise](https://irp.cdn-website.com/dcd2c1f9/files/uploaded/PIS_Client_Service_Promise-f0464010.pdf) - [Privacy Policy](https://irp.cdn-website.com/dcd2c1f9/files/uploaded/20240605_Client-Privacy-Policy-for-website.pdf) --- **Professional Investment Services Manawatu** 43 Walding Street, Palmerston North 4410 PO Box 1255, Palmerston North 4440 Phone: (06) 355 4422 Email: [admin@pismanawatu.co.nz](mailto:admin@pismanawatu.co.nz) --- *Note: The full FAP (Financial Advice Provider) Public Disclosure document is contained in the linked PDF "Publicly Available Information (FAP Disclosure for website, Aug 2024)" above. Individual adviser scope-of-advice disclosures are contained in the linked Personal Disclosure Statement PDFs for each adviser.* --- ## https://financeadvisers.co.nz/api/provider/FSP39341/disclosure.md > _Markdown transcription of P.i.c Insurance Brokers Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.pic.co.nz/disclosure/._ --- # Disclosure Statement **P.I.C Insurance Brokers Limited (PIC)** FSP39341 --- ## Advice That We Provide - P.I.C Insurance Brokers Limited (**PIC**) (FSP39341) holds a licence issued by the Financial Markets Authority to provide a financial advice service. This licence covers financial advice on fire & general and life & health insurances. Our financial advisers provide advice on these types of insurances. PIC is **not** an insurer. - We do not provide: - financial advice in relation to any other financial products, including on premium funding loans from Stockade Premium Funding Limited (**Stockade**); - advice on trusts, wills or enduring powers of attorney, or any other forms of asset protection or estate planning; or - valuation or tax advice relating to your insurance. If your financial adviser is unable to provide financial advice on any other products discussed, they will make this clear to you. - We only provide financial advice about insurances from certain insurers. Please see the list of the insurers we work with at [pic.co.nz/insurers-we-work-with/](https://www.pic.co.nz/insurers-we-work-with/). From time to time, we may need to approach other insurers due to the nature of your insurance needs. We will advise you if this occurs. --- ## Fees, Commissions & Conflicts of Interest - We generally charge a fee for placing and managing fire & general policies. Generally, we do not charge any fee for life & health policies. - If you take out a policy, we will receive commission from the insurance company. For life & health policies, we will receive commission each year the policy is in force. - Our financial advisers are salaried and do not receive commission for any insurance that you take out. From time to time, insurers and other third parties may give PIC or our financial advisers non-monetary benefits (such as gifts, meals or entertainment) in recognition of our relationships and the overall business provided to them. - We take reasonable steps to appropriately manage situations where there may be a conflict of interest. If we become aware of any situation not disclosed where a conflict could arise, we will disclose it to you. To ensure our financial advisers manage conflicts, they follow an advice process which ensures that the recommendations they make are based on your individual goals and circumstances. They also complete training about how to manage conflicts of interest and gifts. - For fire & general policies, if you want to pay your annual premium by instalments over the course of the year, you may be offered a premium funding loan through Stockade which is a related company of PIC's. The terms of this loan will be in a separate loan agreement with Stockade. --- ## Duties In providing you with financial advice, PIC and our financial advisers have duties under the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services (Code). 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 or any of our financial adviser's or related parties' interests; - exercise care, diligence, and skill in providing you with advice; - meet the standards of competence, knowledge and skill under the Code; and - meet the standards of ethical behaviour, conduct and client care under the Code. 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 [fma.govt.nz](https://www.fma.govt.nz/). --- ## Complaints Process and Dispute Resolution Our goal is to provide you with the highest levels of quality service and support at all times. However, if you do have a complaint or encounter a problem, please let us know as soon as you can. More detail about how to make a complaint and how our internal complaints and dispute resolution processes work can be found at [pic.co.nz/complaints](https://www.pic.co.nz/complaints/). --- *Version 2.3 April 2026* --- > **Linked sub-documents referenced on this page:** > - Insurers We Work With: [pic.co.nz/insurers-we-work-with/](https://www.pic.co.nz/insurers-we-work-with/) > - Complaints Process: [pic.co.nz/complaints/](https://www.pic.co.nz/complaints/) > - Terms of Engagement: [pic.co.nz/terms-of-engagement/](https://www.pic.co.nz/terms-of-engagement/) > - Privacy Policy: [pic.co.nz/privacy-policy/](https://www.pic.co.nz/privacy-policy/) --- ## https://financeadvisers.co.nz/api/provider/FSP3961/disclosure.md > _Markdown transcription of Sbs Wealth Limited's Public Disclosure Statement, version 2026-05-23. Source: https://www.sbswealth.co.nz/assets/SBS-Wealth-Financial-Advice-Provider-Disclosure-Statement.pdf._ --- # Financial Advice Provider Disclosure Statement **SBS Wealth Limited** This Disclosure Statement was last updated on 1 April 2025. --- ## Licence Status and Conditions SBS Wealth is a wholly owned subsidiary of Southland Building Society operating as "SBS Bank", referred to in this statement as "we", "us" or "our". We hold a licence issued by the Financial Markets Authority to provide a financial advice service. We will provide financial advice directly through our digital advice team and through financial advisers directly engaged by us. --- ## Nature And Scope of Financial Advice Service We provide a range of investment offerings which are suitable for investors with different investment goals, objectives, and portfolio sizes. We provide financial advice in the following subject areas: - Investment portfolio design, implementation and monitoring; and - Cash flow and goals-based investment management. Our financial advice is mainly provided in relation to the following financial products and investment services: - SBS Wealth KiwiSaver Scheme; - SBS Wealth Investment Funds; - SBS Wealth Portfolio Service; - Synergy Investment Programme ('Synergy DIMS'); and - Agreed investments advised on as part of our SBS Wealth Premium Portfolio Service. We only provide financial advice on financial products and investment services that are issued by us or by Consilium NZ Limited, and investments agreed with our clients as part of our SBS Wealth Premium Portfolio Service. These investments cover a range of New Zealand and Australian Managed Funds and listed Equities as well as a range of International Equity and Fixed Interest Investment options. We also offer a standalone Term Deposit Investments Service and a Custodial Reporting Service. These do not involve us providing any financial advice services or taking account of our clients' objectives and are provided for clients who just want us to arrange for investments to be held on their behalf. An arrangement and or administration fee may apply for this service. We do not provide financial advice on: - Insurance and risk management; - Loans and debt management; - Budgeting; - Estate planning; or - Taxation. --- ## Fees, Expenses, or Other Amounts Payable ### SBS Wealth KiwiSaver Scheme and SBS Wealth Investment Funds For the SBS Wealth KiwiSaver Scheme and the SBS Wealth Investment Funds, we do not charge additional fees for providing financial advice services to clients. However, if a client joins one of these managed investment schemes, we will benefit as we charge management fees for managing these schemes. ### SBS Wealth Portfolio Service For the SBS Wealth Portfolio Service, clients are charged a percentage based tiered monitoring fee by us in connection to the giving of financial advice, ongoing administration and management of the investment portfolio selected. The monitoring fee applies only to the portion of the portfolio(s) value within the dollar range specified as follows: **Monitoring Fee:** | Portfolio Size | Fee Rate (P.A. Excluding GST) | Fee Rate (P.A Including GST*) | |---|---|---| | $0 to $500,000 | 1.00% | 1.08% | | $500,001 to $1,000,000 | 0.85% | 0.91% | | $1,000,001 to $2,000,000 | 0.70% | 0.75% | | $2,000,001 to $5,000,000 | 0.55% | 0.59% | | $5,000,001+ | 0.40% | 0.43% | * GST calculated at up to 15%. Some monitoring fees may be exempt from GST. ### Synergy DIMS For the Synergy DIMS, clients may be charged an adviser monitoring fee of up to 1.00% per annum (plus GST), based on the value of their Synergy portfolio. This fee will be agreed between the client and their adviser and deducted by us from the client's account monthly in arrears. ### SBS Wealth Premium Portfolio Service For the SBS Wealth Premium Portfolio Service offered by SBS Wealth, clients will be charged the following fees by us in connection with the giving of financial advice by our adviser: **Monitoring Fee:** | Portfolio Size | Fee Rate (P.A. Excluding GST) | Fee Rate (P.A Including GST*) | |---|---|---| | $0 to $500,000 | 1.00% | 1.08% | | $500,001 to $1,000,000 | 0.85% | 0.91% | | $1,000,001 to $2,000,000 | 0.70% | 0.75% | | $2,000,001 to $5,000,000 | 0.55% | 0.59% | | $5,000,001+ | 0.40% | 0.43% | * GST calculated at up to 15%. Some monitoring fees may be exempt from GST. --- ## Conflicts of Interest, Commissions or Other Incentives For the purposes of the Financial Markets Conduct Act 2013, a conflict of interest means any interest of ours, or persons engaged to give financial advice on our behalf which a client may find likely to materially influence our advice. A description of potential conflicts of interest relevant to our financial advice service are set out below. | Summary | Description of the potential conflict of interest | |---|---| | **SBS Wealth KiwiSaver Scheme** **SBS Wealth Investment Funds** **SBS Wealth Portfolio Service** **SBS Wealth Premium Portfolio Service** | We receive fees when a client invests in the SBS Wealth KiwiSaver Scheme, SBS Wealth Investment Funds, the SBS Wealth Portfolio Service and SBS Wealth Premium Portfolio Service. The main fee charged is a management fee as a percentage of: In the case of the managed investment schemes, the funds under management; orIn the case of SBS Wealth Portfolio Service and SBS Wealth Premium Service, we are the issuer and manager of the SBS Wealth Investment Funds and these funds may be included in your Portfolio. We benefit from any investments in these funds through the management fees charged. We manage conflict by ensuring that the managed funds are subject to the same investment and operational due diligence processes as other investments considered for inclusion in your portfolio(s). Investments will only be made if that fund satisfies the same stringent criteria all other funds are subject to. | | **Synergy DIMS** | We receive a distribution fee from Consilium NZ Limited for the sale of the Synergy DIMS to clients that can be attributed to us or our adviser. That distribution fee is a percentage of the client's funds that are invested in Synergy DIMS. | | **Adviser remuneration** | SBS Wealth advisers are remunerated by way of a salary and may also receive a bonus from us. That bonus is not directly related to the provision of financial adviser services to clients but rather is in line with how the overall business fares in combination with the continued sound operation of SBS Wealth. All bonuses are subject to the relevant employee meeting minimum standards of performance and conduct. We have an 'Acceptance of Gifts' policy that sets out how soft dollar arrangements are managed. That policy includes a range of approaches we take to managing conflicts of interest. These depend on the nature of the relevant conflict but are all designed to ensure we are always placing client interests first in whatever we do. | | **Term Deposits** | Term deposits may be placed with SBS Bank. | --- ## Complaints Process If you have a problem, concern, or complaint about any part of our service, please contact us so we can try to fix the problem. Contact us by: - Calling us on 0800 727 935 - Emailing us at: customercomplaints@sbswealth.co.nz - Writing to us at: - The Chief Executive Officer - SBS Wealth - PO Box 10445 - Wellington 6140 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact the Banking Ombudsman. --- ## Dispute Resolution Process ### Banking Ombudsman We're a member of the independent dispute resolution scheme run by the Banking Ombudsman. If you have followed our complaints process and feel we haven't resolved your concern satisfactorily, you can seek independent assistance from the Banking Ombudsman. The Banking Ombudsman will not charge a fee to investigate or resolve a complaint. You can contact The Banking Ombudsman Scheme: - Email: help@bankomb.org.nz - From the website: www.bankomb.org.nz - By mail: write to - Freepost 218002 - PO Box 25327 - Featherston Street - Wellington 6140 - Via call 0800 805 950. --- ## Duties Information SBS Wealth and all financial advisers giving financial advice on our behalf have to meet certain duties under the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services ('Code'). These duties include: - Meeting standards of competency, knowledge, and skill set out in the Code; - Meeting standards of ethics, conduct, and customer care set out in the Code; - Giving priority to our clients' interests; and - Exercising care, diligence, and skill when providing financial advice. --- This Disclosure Statement was last updated on 1 April 2025. SBS Wealth is a wholly owned subsidiary of Southland Building Society, operating as "SBS Bank". --- ## https://financeadvisers.co.nz/api/provider/FSP39628/disclosure.md > _Markdown transcription of Howden Corporate Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.howdengroup.com/nz-en/howden-disclosure-statement._ --- # Howden Disclosure Statement This disclosure statement relates to the following related companies, all of which are part of Howden Group Holdings Limited (UK): - Howden Broking Limited - Howden Commercial and Affinity Limited - Howden Corporate Limited - Howden Waikato Limited - Sherpa Limited collectively referred to in this statement as "Howden". --- ## Licensing Information Howden Commercial and Affinity Limited (FSP 33521), Howden Broking Limited (FSP 1001677), Howden Corporate Limited (FSP 39628) and Howden Waikato Limited (FSP 22881) are all Financial Advice Providers (FAP) licensed and regulated by the Financial Markets Authority to provide financial advice. Insurance Underwriters (NZ) Limited (IUNZ) (FSP 442446) and Prosper Insurance Limited (FSP 728971), also related companies of Howden, are authorised bodies acting under the full licence of Howden Commercial and Affinity Limited. Sherpa Limited (FSP 650789), a related company of Howden, is an authorised body acting under the full licence of Howden Broking Limited (FSP 1001677). --- ## Nature and Scope of Advice Howden and our financial advisers provide financial advice relating to contracts of insurance, whether it is commercial and domestic insurance products, or life insurance products. Howden is not an insurer. Howden provides financial advice in relation to insurance products that are provided by insurers. [A list of insurers used is available at howdengroup.com/nz-en/list-of-insurers] Depending on the advice you require, we may approach other insurers; however, we will advise you if this occurs. We will usually act on your behalf and in your interests in all matters; however, where we have negotiated facilities such as binding or agency agreements, we may act as an agent of the insurer and not for you. We will tell you when we act under a binder or agency to arrange your insurance, advise you about your insurance needs or manage claims on behalf of the insurer. Our related companies, IUNZ, SALT NZ and DUAL NZ, operate separately from Howden as underwriting agencies for insurer clients. We have a conflicts of interest policy and processes to ensure that the services provided by IUNZ, SALT NZ and DUAL NZ are separate and distinct from the insurance services Howden provides to you. In certain circumstances, and where appropriate to a client's insurance requirements, Howden New Zealand may arrange or place insurance with IUNZ, SALT NZ or DUAL NZ. Any such arrangements are undertaken on arm's-length terms and consistent with standard commercial practices. Howden New Zealand is required to act in the best interests of its clients under New Zealand law. IUNZ, SALT NZ and DUAL NZ act for insurers in their capacity as underwriting agencies and do not act on behalf of clients. We have established conflicts of interest frameworks and controls to maintain a clear and appropriate separation between the underwriting activities of these entities and the insurance services provided by Howden New Zealand. This includes governance oversight, information barriers where relevant, and documented placement decision-making. --- ## Fees or Expenses Howden may be paid: - Fees only - Commission only, or - Both fees and commission --- ## Conflicts of Interest and Commissions Howden may receive a commission from the insurers through which we place business. The commission is paid to us by the Insurer (product provider) based on each insurance policy that you purchase. The commission only applies to the company premium and natural disaster premium portion of the total premium and excludes any fire and emergency levies, EQ levies or other government charges. We will provide more specific details of these commissions once we have talked to you and understand your needs. 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 requirements, goals, and circumstances. We have a conflicts of interest policy and procedure, including training and monitoring, to ensure we are aware of and manage any conflicts of interest. The company, staff and our advisers must comply with this policy and procedure. Where relevant, we will only provide advice in circumstances where we are able to appropriately manage a conflict of interest. Howden may also receive a commission and/or pay a commission to referral partners who refer clients to Howden (or vice versa). Howden may offer to arrange premium funding to assist you to spread the cost of your insurance premiums. When Howden assists to arrange premium funding, we act as agent for the premium funder in facilitating and administrating the premium funding arrangement. We do not act as your credit provider or finance broker and do not provide any advice to this effect. Howden may receive a commission for these services provided to the premium funder. --- ## Complaints Handling and Dispute Resolution If you are not satisfied with our service or the financial advice you have received, please let us know as soon as possible. A complaint is any expression of dissatisfaction where you expect a response or resolution. You may raise your complaint in any of the following ways: - By speaking with your adviser directly; or - By emailing us at [email protected] ### How We Handle Complaints When we receive your complaint, we will: - Acknowledge receipt of your complaint within two business days. - Consider your complaint fairly and objectively and may contact you to request further information. - Aim to resolve complaints within 20 working days of receiving them. If we need more time to investigate your complaint, we will keep you informed and let you know when you can expect a response. - Contact you by phone, email, or letter to advise you of our decision and any proposed resolution. --- ## External Dispute Resolution If we are unable to resolve your complaint to your satisfaction, or if it has not been resolved within two months, you may refer the complaint to our external dispute resolution scheme. We are a member of **Financial Services Complaints Limited (FSCL)**, an independent and free dispute resolution service. You can contact FSCL at: - **Phone:** 0800 347 257 - **Email:** [email protected] - **Website:** [www.fscl.org.nz](https://www.fscl.org.nz) - **Post:** PO Box 5967, Wellington 6140 FSCL will review the complaint independently and may help resolve the matter if we have not been able to do so. --- ## Duties Howden and our advisers 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; - Exercise care, diligence, and skill; - Meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services; - Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services. --- ## Contact Details - **Call:** 0800 500 510 - **Email:** [email protected] - **Write to:** PO Box 784 Shortland Street, Auckland 1140 **A written copy of this information is available upon request.** --- *Footer note: A downloadable PDF version of this disclosure statement (161.02 KB) is available at: `/sites/newzealand.howdenprod.com/files/2026-04/howden_broking_nz_-_public_disclosure_statement_0.pdf`* --- ## https://financeadvisers.co.nz/api/provider/FSP39630/disclosure.md > _Markdown transcription of Foxplan Limited's Public Disclosure Statement, version 2026-05-24. Source: https://foxplan.nz/disclosure._ --- # Disclosure ## About us, our licence and our advisers FoxPlan Limited (FSP39630) is a Financial Advice Provider (FAP) licensed and regulated by the Financial Markets Authority to provide financial advice. ### Our People FoxPlan Limited (the licensed FAP) engage financial advisers to provide financial advice on their behalf. --- ### Our Advice FoxPlan provides financial planning services and provides financial advice about personal and business insurance, general insurance (home, contents, car), KiwiSaver, investments and home loans. Not all of FoxPlan's advisers provide all these types of financial advice. The person that you are dealing with may only be able to provide some types of advice. Once we have talked to you and found out what you need, we will make sure that the right person works with you to provide the appropriate type of advice. #### Product / Provider Panel | Personal & Business Insurance | Investment | Home Loans | General Insurance | KiwiSaver | |---|---|---|---|---| | Accuro Health Insurance | ANZ NZ Investments | ANZ Bank | AON | ANZ NZ Investments | | AIA NZ | Consilium | ASB Bank | GYB | Booster | | Resolution Life | Synergy Investments | BNZ Bank | High Street Insurance Brokers | Fisher Funds | | Asteron Life | i-Select | SBS Bank | | KiwiWrap | | Chubb Life | Evidential | Sovereign Home Loans | | Generate | | Fidelity Life | | The Co-operative Bank | | Milford | | NIB | | Westpac | | Select Wealth | | Partners Life | | Other Lenders* | | Kernel Wealth | | Southern Cross | | | | | --- ## Fees or expenses Generally, we will not charge fees in relation to advice for **insurance, KiwiSaver and home loan products** because we will be paid a commission by the product providers. We may charge you a fee for some **investment and home loan products** advice, however we will agree this with you in your scope of advice and provide you more details of this before we proceed. We will charge you a fee if we provide you with a **financial plan**. - This fee will be based on scope, nature and complexity and will be for the initial advice, ongoing advice or annual advice and services associated with your financial plan. - We will confirm with you the exact fees we will charge before we proceed and at the time the advice is provided. We will charge you a fee for any **financial advice provided on a consultancy basis**. - This fee may be a fixed fee, or it may be charged on an hourly rate. We will let you know before we commence our services that we will be charging a fee for our consultation and provide you an estimate of the amount. For some **investment products**, if you invest your funds through certain product providers, you will be charged an "Adviser Fee" which is based on the value of your funds over management. The provider will deduct this Adviser Fee from your funds under management and then pay a percentage of this to FoxPlan Ltd (the Licensed FAP). This will be an ongoing monthly cost to you. We will provide more specific details about how the Adviser Fee is calculated and whether it applies to you once we know more about your needs. We will provide more specific details of the relevant fee amounts when we know more about your needs and at the time our advice is given. **'Clawback costs' for some home loan and insurance products** If you cancel certain home loan or insurance products within a specified time period, we may have to make a payment to the product provider to reimburse them some of the commission they have paid us. If this occurs, we will invoice you for the same amount. We will give you more information about this, which products and product providers it applies to, and the relevant time periods that apply once we have an understanding of your needs. --- ## Conflicts of interest and commissions ### Commissions FoxPlan Ltd (the licensed FAP) receives a commission from the product providers through which FoxPlan places business. The amount of the commission received usually depends on the type and value of the business placed with them. - Typically, for **insurance products** we receive an upfront initial commission based on the value of the premium and an annual ongoing commission, for every year the premium is in force. - Typically, for **home loan products** we receive an upfront initial commission based on the amount borrowed and we receive an annual ongoing commission from some lenders, for every year the lending is in force. - Typically, for **KiwiSaver products** we do not receive an upfront initial commission, but we receive an annual ongoing commission based on a percentage of the total amount of the investment. We will provide more specific details of the relevant commission amounts when we know more about your needs and at the time our advice is given. ### Remuneration and bonuses - The financial advisers engaged by FoxPlan Ltd (the licensed FAP) receive either self-employed remuneration or salary. They will also receive a percentage of the fees and commissions generated from their advice. - The authorised bodies engaged by FoxPlan Ltd (the licensed FAP) will also receive a percentage of the fees and commission generated from advice provided by the authorised body's financial advisers. - **Bonuses** – All financial advisers engaged by FoxPlan Ltd (the licensed FAP) are eligible to receive a bonus if a certain level of overall performance is achieved. Whether a bonus is granted is based on many factors, such as quality of advice, client service, client care & compliance. - From time to time, product providers or FoxPlan may pay additional or unexpected bonuses, incentives, or payments that relate to past or current business. These payments may be received after advice has been provided and are included within the overall remuneration arrangements disclosed here. --- ## Referral to other professionals If at any time the potential need arises for the use of another professional, we will undertake to refer you to an appropriate professional. If an appropriate professional cannot be located, we will undertake to advise you as soon as possible so that you may engage a professional of your choice. ### Fire and General referrals We have referral relationships for Fire and General insurance, to whom we refer our clients for Fire and General insurance products. They provide the advice. For this referral service we may receive a referral commission and an annual ongoing commission, for every year the policy is in force. We will provide further information to our clients when this is applicable. ### Other conflicts of interest From time to time, product providers may also assist FoxPlan with funding to sponsor our annual client event or reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives. --- ## How we manage conflicts of interest To ensure our financial advisers prioritise clients' interests: - We follow an advice process that ensures our recommendations are made appropriately, based on clients' goals and circumstances. - 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 over the value of $300. These registers are monitored regularly, and additional training is provided as required. - We undertake an annual independent Compliance Assurance Review by Strategi. --- ## Complaints handling and dispute resolution If you are not satisfied with our service or financial advice, please tell us as soon as possible. **Call:** 04 918 4659 **Email:** info@foxplan.nz **Write to:** PO Box 2795, Wellington 6140 **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 immediately, we will acknowledge your complaint within 2 business days. We may contact you to get further information about your complaint. - We aim to resolve complaints within 10 working days of receiving them. If we need more time to investigate your complaint, we will let you know when you can expect to receive a response to your complaint. - 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 cannot agree on how to fix the issue, you can contact our external disputes resolution scheme, **Financial Dispute Resolution Scheme (FDRS)**. FDRS provides a free and independent dispute resolution service that may help to resolve your complaint. To contact FDRS: **Call:** 0508 337 337 **Email:** enquiries@fdrs.org.nz **Write to:** Freepost 231075, PO Box 2272, Wellington 6140 --- ## Duties information FoxPlan Ltd and our financial advisers 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 - exercise care, diligence, and skill - meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services - meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services For completeness I note that in July 2021, FoxPlan Ltd was censured under s75D(2)(f) of the Financial Adviser Act 2008. More information about this is available on the Financial Markets Authority website at [www.fma.govt.nz](https://www.fma.govt.nz). --- ## Contact details FoxPlan Limited (FSP39630) is the Financial Advice Provider. **Call:** 04 918 4659 or 0800 NO STRESS (0800 667 873) **Email:** info@foxplan.nz **Write to:** PO Box 2795, Wellington 6140 **Visit us at:** Level 8, 138 The Terrace, Wellington 6011 --- ## https://financeadvisers.co.nz/api/provider/FSP39921/disclosure.md > _Markdown transcription of Arthur J. Gallagher & Co (nz) Limited's Public Disclosure Statement, version 2026-05-23. Source: https://www.ajg.co.nz/assets/Uploads/general-documents/Terms-of-Business.pdf._ --- # Terms of Business and Important Disclosure Information ## Contents - Introduction - About us - Our responsibilities - Your responsibilities - Amounts payable - Our remuneration - Conflicts of interest - Privacy and confidentiality - Complaints and dispute resolution - Limitation of liability - Foreign Account Tax Compliance Act - Sanctions - Non-dissemination of material - Electronic communication - Termination and amendments - Law and jurisdiction - Severability and enforcement - Definitions - Interpretation - Schedule 1: List of Insurers --- ## Introduction Here are the standard **terms of business** on which **we** will provide our **services** to **you**. These **terms of business** apply whenever **you** ask **us** to act for **you** for all **services we** provide to **you**, together with any additional or different terms as agreed in writing with **you**. By taking on **our services**, **you** acknowledge **you** accept these terms. This means **you** do not need to sign any formal agreement to indicate **your** acceptance, unless **we** ask **you** to. These **terms of business** supersede and replace any previous **terms of business** **you** have received from **us**, and will apply unless and until **we** provide **you** with new or amended **terms of business** or replace it with different terms agreed with **you**. If there should be any inconsistency or conflict between these **terms of business** and additional or different terms agreed with **you**, the additional or different terms agreed with **you** will prevail. These **terms of business** also set out the information required to be disclosed to help **you** make important financial decisions. In this agreement the meaning of words in bold are defined on page 20 of this document. --- ## About us ### Gallagher **We** are part of a group of international companies owned by Arthur J. Gallagher & Co (Gallagher Group), an insurance brokerage, risk management and consulting company. The parent company, Arthur J. Gallagher & Co. is listed on the New York Stock Exchange. **Gallagher** in New Zealand is a group of companies that provide insurance broking and other related **services**. Our **services** may be provided to **you** by one or more of the following companies in our group who are collectively referred to in this document as we, us, our, or '**Gallagher**': - **Arthur J. Gallagher & Co (NZ) Limited** trading as '**Gallagher**' – for more information about **Gallagher**, please visit ajg.co.nz - **Monument Insurance (NZ) Limited (MINZ)** – a wholesale underwriting agency that creates bespoke insurance products for **Gallagher** clients. The company also engages independent advisers to provide life and health insurance advice to clients. - **Monument Premium Funding Limited (MPFL)** – provides a finance facility to cover the cost of insurance. - **Offshore Market Placements Limited (OMPL)** – specialist underwriters who source insurance solutions from international markets. **OMPL** works exclusively with **Gallagher** brokers to provide clients with alternatives to the New Zealand market for insuring specialist and niche risks. ### Our authority to provide financial advice **Gallagher** (FSP 39921) holds a licence issued by the **Financial Markets Authority (FMA)** to provide a financial advice service (being the provision of financial advice on fire and general insurance products and life and health insurance products). Under this licence, **we** may only provide **you** financial advice in relation to fire and general insurance and life and health insurance products. **MINZ** is an authorised body under **Gallagher**'s licence, which means it can provide a financial advice service without obtaining its own licence. ### Nature and scope of our advice and services to you **Gallagher**'s broking division acts as insurance advisers and brokers, providing fire and general and life and health insurance, and risk management-related advice and **services** to clients. Our financial advisers provide financial advice in relation to these financial products. When recommending insurance products to **you**, **we** can use a range of local and overseas insurers. Some insurers however, do not make their products available to insurance brokers such as ourselves. Depending on **your** circumstances, **we** may only recommend a limited range of insurers (or even one) to **you**. **We** will advise **you** of this at the time. **We** will base that limited range on **our** assessment of the following: - The insurer's level of interest in the type of insurance products **you** require and its risk appetite. - The insurer's level of expertise in those types of insurance products. - The insurer's financial strength rating. - The insurer's current customer service reputation. The insurers **we** generally deal with are set out in Schedule 1. If and to the extent **you** are a retail client as defined under the **Financial Markets Conduct Act (FCMA)**, **we** are required to comply with certain competency and conduct requirements in respect of **our** financial advice service. While carrying out **our services** to **you**, **we** will ensure that **we**, and any person giving advice on **our** behalf: - meet the standards of competence, knowledge and skill set out in the **code of conduct**; - give priority to **your** interests; - exercise care, diligence and skill; and - meet the standards of ethical behaviour, conduct and client care set out in the **code of conduct**. Please contact **your** broker if **you** would like to know whether **we** consider **you** are a retail client or a wholesale client. --- ## Our responsibilities As part of **our** responsibilities to **you**, **we** may (where applicable): - Act on **your** behalf (unless **we** tell **you** otherwise) according to **your** instructions and the arrangements **you** have made. - Provide advice to **you** based on **our** understanding of **your** requirements, and on receipt of **your** instructions, endeavour to arrange insurance (subject to availability). - Provide **you** promptly with **your** policy documents from the insurer unless the insurer sends the policy directly to **you**. - Help our fire and general insurance clients to prepare, manage and negotiate any claims. - Retain **your** insurance documents securely in either electronic or paper form, in line with **our** records retention policies (for some insurance types, **you** may need to make a claim against a policy after **our** retention period has ended. **You** remain responsible for **your** records and **we** recommend that **you** store **your** policy documents safely). - Handle money that our fire and general insurance clients give **us** (for example to pay insurance **premiums**) or **we** receive for them (for example from an insurer for an insurance claim payment) according to the Insurance Intermediaries Act 1994 requirements. As insurance advisers and brokers, **we** only provide insurance and risk management-related advice. - **We** do not provide safety inspections, valuations or advice on every potential hazard or threat to **your** business (unless **you** specifically ask). - **We** do not provide advice on tax, regulatory, legal or accounting matters. **We** recommend **you** seek expert advice on these matters. - **We** only engage insurers who meet **our** particular requirements, unless **you** specifically ask **us** to do otherwise. **We** do not however guarantee or are responsible for the solvency or ability of any insurer to pay any amounts for insurance claims or other payments. --- ## Your responsibilities ### Give us all relevant information When asking **us** to arrange a new insurance policy or renew a policy, **you** are responsible for giving **us** all **relevant information**, including all facts and details that are pertinent to an insurer's assessment of risk for **your** potential cover. **Your** duty to give information is not limited to the questions **we** ask **you** on behalf of insurers. **You** must also tell **us** about anything that could affect an insurer's decision to insure **you** or the terms and conditions **you** will be offered. If **you** are in doubt about the type of information **your** insurer wants, it is important that **you** ask **us**. Once **your** insurance cover has started, for our fire and general insurance clients, **you** need to give **us** all **relevant information** about key changes to **your** circumstances, particularly any material factors or relevant additional information or change of circumstances that could affect **your** level of risk and cover terms that comes to light throughout the period of **your** policy. If **you** misrepresent or do not declare all **relevant information** when **you** take out a new policy, renew a policy, or during an existing policy, the insurer may refuse to pay a claim or cancel **your** entire policy. ### Renewals Unless **you** instruct **us** otherwise, **you** authorise **us** to renew **your** policy on **your** behalf if and to the extent it is due for renewal. If **we** do, **you** are deemed to have directed **us** to do so. ### We rely on you for accuracy It is important that **you** understand that **we** will rely on the accuracy and completeness of the information that **you** give **us** or someone else gives **us** on **your** behalf. **We** will not be responsible for verifying the accuracy or completeness of any information **you** or someone else provides **us** on **your** behalf. **You** must check the documentation supplied to **you** by **us** or insurers to ensure there are no mistakes or misunderstandings. **You** should advise **your** usual **Gallagher** contact immediately of any errors or anything **you** believe is not in accordance with **your** instructions or specifications. ### Pay your premium on time **You** are responsible for paying the **premium** and other charges within the period specified on each invoice as provided by **your** insurer or **us**. ### Understand the terms of your cover **You** need to carefully read **your** policy documents to make sure the cover accurately fits **your** needs, and **you** understand and comply with the obligations under **your** policy or any specific terms or conditions that apply to **your** policy. Failure to do so may affect **your** ability to make a claim or invalidate **your** insurance. ### When making a claim It is very important that **you** familiarise **yourself** with any claim requirements or obligations in **your** policies. If **you** have a claim or become aware of a circumstance that may give rise to a claim, **you** need to let **us** know all the relevant details as soon as possible so **we** can provide assistance and support. --- ## Amounts payable ### Paying your premium and other statutory charges For fire and general insurance and employee benefits insurance, **we** will invoice **you** for the **premium** and any relevant statutory charges (including Government **Services Tax (GST)**, fire and emergency levies and earthquake (EQ) levies). ### Office charges – fire and general insurance **We** may also charge **you** office charges plus GST. **Our** office charges are for costs such as general office **services** overheads and technology costs. For a new insurance policy or renewal of an existing insurance policy that takes effect on or after 15 November 2023, office charges will be calculated based on the **premium** **you** pay for each policy. The fees will be 2.75% of the **premium**, subject to a minimum of $45 and a maximum of $175 per policy. A policy may form a part of a package of policies. For mid-term changes to an existing policy, an office charge of $30 per policy will be charged. If **your** new insurance policy or renewal of **your** existing policy takes effect prior to 15 November 2023, office charges previously described as administration fees will be calculated based on the **premium** **you** pay rounded up to the nearest dollar. (a) **Premium** from $1 to $1,000 incurs an administration fee of no more than $50 (b) **Premium** from $1,001 to $20,000 incurs an administration fee of no more than $50 plus 2.25% of the **premium** (c) If the **premium** is over $20,000 the administration fee will be advised to **you**. For minor mid-term changes to an existing policy effective prior to 15 November 2023, an administration fee of $30 per policy will be charged or in the event of a major or complex change to **your** insurance programme, **we** may charge an administration fee based on the amount of the **premium** or similar, and this will be advised to **you**. ### Administration fees – life and disability insurance For personalised life and disability insurance, all **premiums** and any insurer administration fees are charged directly to **you** by **your** insurer who will detail these in the communications they provide to **you**. ### If you make a late or no payment If **you** do not pay the cost of **your** insurance within the time specified on **your** invoice an insurer may cancel the policy and **you** may be uninsured. The insurer may also charge a **premium** for any time they may have covered **you** without payment. Where applicable, **we** will let **you** know if insurers have imposed a specific **premium** payment warranty or condition that may give the insurer the right to cancel **your** policy if the warranty or condition is not met. Please contact **your** broker if **you** are unable to comply with a **premium** payment warranty or condition. **We** may charge interest, collection costs and legal fees incurred in recovering overdue accounts. ### Taxes and levies #### Goods & Services Tax **We** will charge Goods & Services Tax (GST) on **our** **remuneration** where applicable. Any quote, estimation or invoice that **we** may give **you** will exclude GST unless otherwise specified. #### The Earthquake Commission levy The Earthquake Commission (EQC) levy contributes to earthquake and other natural disaster insurance provided by the EQC. This levy is included in some general insurance policies and is collected by insurers on behalf of the EQC. #### Fire & Emergency New Zealand levy Fire and Emergency New Zealand (FENZ) is mainly funded by a levy on insurance contracts where property (including contents and stock) is insured against the risk of fire. This charge is paid by insurance clients and is collected by insurers on behalf of FENZ. If **you** are late paying any government or statutory charges **you** may be charged interest and/or fines and penalties. --- ## Our remuneration As an insurance broker, **we** use **our** knowledge and expertise to understand **your** business or personal circumstances, assess the risks, and negotiate and place insurance on **your** behalf in order to provide **our services** to **you**. As a result, **we** may receive commission from insurers on whose products **we** give financial advice. Commission payments are **our** main form of **remuneration**. The commission payment **we** receive is not a sales commission but a payment that recognises the cost of delivering functions and **services** that would otherwise be a cost to **your** insurer. These functions and **services** include providing insurance advice to meet client needs, distributing insurer products to the market, maintaining client management systems, developing policy wordings and claims management and support. The amount of commission varies depending on the insurer and policy type but is generally calculated as a proportion of the insurance **premium** excluding any applicable government charges, taxes, fees and levies as determined by the insurer. The commissions falls within a range depending on the type of insurance policy **you** take. **We** may agree with **you** a separate service fee to be paid by **you** in lieu of commission or in addition to any commission **we** may receive from insurers. For fire and general insurance, **our** **remuneration** is earned for the policy period and may be paid when the policy commences and on each subsequent renewal or when **you** vary **your** policy. For personal lines insurance, including home, private vehicle, contents, personal accident and pleasure craft, insurers pay **us** commission between 0%–27.5% of the insurance **premium** (excluding any applicable government charges, taxes, fees and levies) For commercial lines policies, including aviation, business interruption, commercial motor, contract works, goods in transit, liability, livestock and material damage and natural disaster cover, insurers pay **us** commission between 0%–27.5% of the insurance **premium** (excluding any applicable government charges, taxes, fees and levies). For specialist insurance including insolvency insurance and travel, insurers pay **us** commission between 0%–35% of the insurance **premium** (excluding any applicable government charges, taxes, fees and levies). For life and health insurance, **our** **remuneration** is earned when a new policy is taken out, and may be subject to ongoing trail commission. Unlike fire and general insurance a life and health policy is not annually renewable and does not require the same broking programme every 12 months. As a consequence the initial commission paid by insurers is earned when the policy is taken out. There may be ongoing renewal (trail) commission earned in subsequent years while the policy remains in force. For personalised life and disability insurance, insurers pay **us** commission between 40% and 230% of the insurance **premium** for the first year of the insurance policy and commission between 3% and 10% for ongoing trail commission. For medical insurance, insurers pay **us** commission between 10% and 140% commission of the insurance **premium** for the first year of the insurance policy and between 5% and 25% commission for ongoing trail commission. For employee benefits insurance, including group life and group medical, insurers pay commission between 10% and 25% of the insurance **premium** annually. **We** may agree with **you** a separate service fee to be paid by **you** in lieu of commission based on the percentage of **premium**. Reimbursement of disbursements expenses incurred by **us** in providing the **services** may also be charged in agreement with **you**. **We** are entitled to retain all **remuneration** covering the full policy period for the insurances **we** have arranged for **you**, even where an insurance policy is amended, terminated or otherwise cancelled, subject to any right **you** may have to cancel the insurance during any "cooling off" period. ### Other ways in which we may be remunerated In addition to **our** **remuneration** noted above, **we** may also be remunerated for **our** **services** by other means where applicable: - When fire and general insurance clients pay **us** the **premium**, **we** will hold it in **our** trust account until **we** pass it on to the insurer in accordance with **our** arrangements with them. **We** will earn interest on the **premium** while it is in **our** trust account and **we** will retain that interest. - Where applicable, **Gallagher** may offer to arrange premium funding through **MPFL** to help spread the cost of **your** insurance over the year, including **premiums**, taxes, administration fees and levies. If **Gallagher** arranges premium funding for **you**, they will be remunerated by **MPFL**, usually as a percentage of the cost of the insurance being funded. If **you** choose to use this premium funding facility, interest and administrative costs will apply. - Please note that where **Gallagher** offers and arranges premium funding, it does not act as **your** credit provider or finance broker, but as an agent for **MPFL** who is **your** premium funder. **Gallagher** may also act as **MPFL**'s agent in cancelling any insurance where **you** have failed to meet **your** repayment obligations. The details of **your** premium funding arrangement will be set out in **your** separate agreement with **MPFL**. Should **your** funded insurance policy be cancelled mid-term, for any reason, **you** should be aware that there may be a shortfall between the balance of the amount payable under the premium funding contract and the return **premium** and **you** may be required to pay the difference to **MPFL** under that agreement. - If **we** provide consulting or other administrative **services** to insurers, **we** may be remunerated for those **services**. These **services** are designed to improve product offerings available to clients, assist insurers in identifying new opportunities, and enhance insurers' operational efficiency. - If **we** act as an underwriting authority for fire and general insurers (which provides **us** with authority to review, quote, bind coverage and service policies on the insurer's behalf), **we** will be remunerated for the **services** **we** perform for the insurer. This may also include managing and settling claims on their behalf where **we** have claims authority from insurers to do so. - If **we** recommend a product or service of a company within the **Gallagher** Group or refer **you** to another company within the **Gallagher** Group, **we** may receive benefits for the referral or the business **you** subsequently do with that **Gallagher** Group company. Such business may include arranging insurance with overseas markets using specialised broking divisions within the **Gallagher** Group. Where such divisions assist in arranging insurance, **we** or another **Gallagher** Group company may be remunerated for those **services**. In relation to the **services** **we** provide and the ways in which **we** are remunerated: - **We** may pay a share of **our** **remuneration** to third parties who refer clients to **us**. - **Our** internal **remuneration** arrangements support **our** employees and contractors to ensure **our** clients receive practical and effective advice and **services** via a combination of salary and performance-based rewards that consider both the value and quality of the work they do for **our** clients, and the **remuneration** **we** receive. From time to time, **we**, and **our** employees and contractors, may receive non-monetary benefits from insurers including sponsorship of conferences, training, hospitality, and insurer-sponsored functions. **You** do not bear the cost of sending **our** staff to these events and **we** have, and monitor compliance with, policies and procedures that ensure these situations do not create a conflict with **your** interests. --- ## Conflicts of interest In giving advice in relation to a financial advice product, **we** have a duty to give priority to a client's interests. Among other things, products that do not meet **our** client's needs will not be recommended. To ensure that **our** financial advisers prioritise the client's interests above their own and **our** interests, **we** follow an advice process that ensures **our** recommendations are made on the basis of the client's goals and circumstances. **Our** financial advisers undergo annual training about how to manage conflicts of interest. **We** maintain a register of conflicts of interests and gifts **we** receive. **We** monitor those registers and undertake an annual review of **our** compliance programme. Should a conflict of interest situation arise **we** will manage it in accordance with **our** conflicts of interest policy, which all employees, contractors and representatives must comply with. This consists of processes for escalation, review, and management, including letting **you** know and working with **you** to resolve the situation where relevant. --- ## Privacy and confidentiality ### How we use your personal information **We** are committed to protecting **your** personal and sensitive information. When **we** collect, hold, use, disclose and otherwise handle **your** personal information **we** must comply with the Privacy Act. **We** collect, hold and use **your** personal information so **we** can provide, manage and administer the insurance broking, risk management and consulting **services**. If **you** do not supply the personal information **we** request, **we** may not be able to provide the **services** **you** require. **We** provide **your** personal information to insurers to allow them to determine whether to insure **you** and if so, on what terms. When conducting **our** **services** for **you**, **we** may share **your** information with other **Gallagher** Group members to access their specialist expertise and connections to the global insurance market, as appropriate for **you**. ### How we protect and store your information When using **your** personal information to carry out **our** **services** to **you**, **we** must comply with **our** Privacy Policy available on the **Gallagher** website or on request. This explains how and why **we** collect **your** personal information, disclosure of **your** personal information to third parties and the security and access to **your** personal information. The personal information or confidential information **we** hold may include written information **you** provide **us** and recordings of calls with **you** to collect information and manage or support any claims. In accordance with **our** internal retention periods, **your** personal information or confidential correspondence and documentation is generally stored for seven years, after which time **we** archive or destroy the files without notice. It is **your** responsibility to keep any personal information or confidential information that **you** may require. **You** can access and correct **your** personal information that **we** hold. If **you** would like to do so, please refer to **our** **Privacy Policy** for contact details. ### Disclosure of information To reasonably perform **our** **services**, **we** may disclose **your** personal and confidential information to **your** insurers or prospective insurers or to other product or service providers providing **us** with additional support, unless **you** advise otherwise. **We** will use **your** personal information solely to provide **you** with **our** agreed **services** or for an agreed other purpose. **We** may also be required to provide client information to a regulatory authority as part of **our** licence obligations and any other obligation that may apply. However, **our** confidentiality obligation does not apply to information that: - **You** have given express or implied permission to disclose; - Is required by law; - Is in the public domain; and - **We** rightfully hold, free of any obligation of confidence, except if there has been a breach of any confidentiality obligation. **We** may also contact **you** about other products and **services** that may be of interest or benefit to **you**, unless **you** let **us** know otherwise. --- ## Complaints and dispute resolution **We** are committed to providing **our** clients with the highest level of customer service. If **our** service should occasionally fall short, **we** make every effort to resolve issues promptly and fairly. ### How to make a complaint If **you** have any concerns or issues about the **services** **we** have provided to **you** or about any product **we** have arranged on **your** behalf, please contact **us** as soon as possible (quoting **your** policy or claims number or reference **we** gave **you**) so **we** can address the problem. - **Your** first port of call is to talk to **your** broker directly who is committed to sorting out the matter within five working days of receiving **your** complaint. - If **your** broker cannot resolve the matter with **you** within five days, they will refer **your** complaint to their manager for their review who will make every effort to fix the issue within 10 working days of when **we** first received **your** complaint. - If **we** are unable to make the matter right within 10 working days, it will be escalated to **our** **Gallagher** Client & Conduct Committee. This committee, which comprises senior representatives from **our** compliance, legal and customer care teams, will review **your** complaint and aim to settle the matter directly with **you** within four weeks of when **we** first received **your** complaint. Alternatively, if **your** broker or manager has proposed a resolution that does not meet **your** approval, **you** can contact the committee directly at conduct@ajg.co.nz - **We** will do everything **we** can to fix the matter, but if **we** have been unable to resolve it after four weeks and **you** are a retail client, **you** can refer **your** complaint to the Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service subject to their terms of reference. **Gallagher** is a member of FSCL's dispute resolution scheme. The scheme provides complainants with access to a free, independent dispute resolution service, which may help to investigate or resolve **your** complaint if it is not resolved to **your** satisfaction using **our** internal complaints process. **You** can contact FSCL by phone: 0800 347 257, email: info@fscl.org.nz or write to PO Box 5967 Wellington 6140. To find out more about FSCL, visit fscl.org.nz --- ## Limitation of liability To the maximum extent permitted by law, **our** entire liability to **you** (whether in tort, common law or under statute and whether by reason of negligence or breach of this agreement) will not exceed NZ$20 million in the aggregate. Notwithstanding the above, **we** will not be liable to **you** for any punitive, special, aggravated, exemplary or liquidated damages or indirect, incidental or consequential loss of any kind, including loss of profits or revenue, loss of opportunity or contract, loss of data, loss of production, use or supply, loss of reputation or goodwill, deterioration in value or increased business cost. **Our** liability will be proportionate to the share of responsibility **we** have for any loss **you** incur, according to the degree to which **we** (or **our** employees, authorised representatives or agents) caused or contributed to **your** loss. ### Force majeure **We** are not liable for any failure or delay to carry out any of **our** obligations due to causes outside **our** reasonable control. --- ## Foreign Account Tax Compliance Act The Foreign Account Tax Compliance Act (FATCA) is a US tax law designed to identify US citizens and tax residents who use offshore financial accounts to evade their US tax responsibilities. It applies to any insurance placements containing US risk. To comply with FATCA, insurance brokers and companies such as **Gallagher** must meet certain legal requirements. Insurance placed with an insurance company that is not FATCA compliant may result in 30% withholding tax on **your** **premium**. If FATCA relates to **you**, **we** will only place **your** insurance with FATCA-compliant insurers and intermediaries for which no withholding is required, unless **you** ask **us** to do otherwise. If **you** do ask **us** to place **your** insurance with a non-FATCA compliant insurer or intermediary, **you** may have to pay an extra amount equivalent to 30% of the relevant **premium** to cover the withholding tax. **We** will not place **your** insurance with a non-FATCA compliant insurer unless **you** instruct **us** to do so but do not agree to pay the additional 30% withholding tax if required. --- ## Sanctions **We** implement a global policy aimed at ensuring compliance with economic, financial and trade sanctions, and foreign export controls. **We** may be required to take actions such as freezing the funds of clients subject to these sanctions, and not performing some obligations under these **terms of business**. **We** reserve the right to take immediate steps without notifying **you** in order to comply with **our** sanctions policy (and **we** will not be liable to **you** for this or for similar steps taken by third parties). **You** should advise **us** of all of the countries connected to the insurance **you** require. --- ## Non-dissemination of material **Our** communications with **you**, **your** employees or agents, whether written or oral, are provided solely for **your** information and use in connection with any engagement and so must not be used for anything else without **our** prior agreement. No other person or company can rely on any of **our** information, advice or reports for any purpose at all, and **we** have no responsibility to any such third party who has received such information, advice or report. --- ## Electronic communications **We** may communicate with **you** by email, unless otherwise agreed with **you**. As email security can be externally compromised, these communications can be intercepted or interfered with, or contain viruses or defects. **We** will do **our** best to protect these communications but **you** must make **your** own security checks. **We** accept no responsibility for any loss or damage caused by the corruption of an email communication or attachments. As **we** use third party service providers **we** do not guarantee the confidentiality of information sent to or by **us** electronically. For the avoidance of doubt this provision overrides any separate agreement as to confidentiality of business information. --- ## Termination and amendments **You** can end **our** engagement by giving **us** a minimum of 30 days' written notice. If **you** do so, **you** will need to make any payments owing as at the termination date. Any outstanding claims will be transferred to **you** to manage from the termination date, unless agreed otherwise. This applies whether **you** or **we** terminate **our** engagement. If **we** are unable to continue to provide **services** to **you**, **we** will give **you** a minimum of 30 days' notice (except where **we** become aware or have reasonable cause to suspect that **you** are involved in any actions which in **our** opinion may breach any applicable sanctions legislation or which may cause **us** to be in breach, **you** are in breach or there has been a dishonest or fraudulent act or omission by **you**). The provisions of these **terms of business** relating to limitation of liability, non-dissemination of material and privacy and confidentiality shall survive termination. **We** reserve the right to make amendments to these **terms of business** that are required to reflect a change of applicable law or regulation. **We** may also amend these **terms of business** if there are changes in **our** business practices or if **we** vary the **services** **we** provide. --- ## Law and jurisdiction **Our** relationship with **you** is governed by New Zealand law and the New Zealand Courts have exclusive jurisdiction. --- ## Severability and enforceability If any term contained in these **terms of business** or part of these **terms of business** becomes invalid or unenforceable for any reason whatsoever, the remaining terms will continue to apply, subject to any modifications as are necessary to continue to give effect to them. Any failure by **us** to enforce any right or obligation under these **terms of business** will not in any way limit or waive **our** right to subsequently enforce such right or obligation. --- ## Definitions In this agreement, the following words are defined below: **code of conduct** – the Code of Professional Conduct for Financial Advice Services which sets out the standards of adviser competence and professional conduct established under the FMCA. **Financial Markets Authority (FMA)** – the New Zealand government agency responsible for financial regulation. **Financial Markets Conduct Act 2013 (FMCA)** – means the FMCA, which regulates the provision of financial advice in New Zealand. --- ## https://financeadvisers.co.nz/api/provider/FSP39932/disclosure.md > _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* --- ## https://financeadvisers.co.nz/api/provider/FSP403346/disclosure.md > _Markdown transcription of One Partner Limited's Public Disclosure Statement, version 2026-05-23. Source: https://20404628.fs1.hubspotusercontent-na1.net/hubfs/20404628/Disclosure%20Stage%20one%20-%202023/betterTM%20-%20Important%20Information%20Disclosure.pdf._ --- # Important Information about One Partner Limited (FSP403346) Trading as better™ | Loan Spot | Motor Vehicle Finance ## License Information One Partner Limited (FSP403346), trading as better™, Loan Spot, and Motor Vehicle Finance, holds a Class 2 Financial Advice Provider Licence issued by the Financial Markets Authority to provide financial advice. ## Contact Details One Partner Limited (FSP403346) is the Financial Advice Provider. You can contact us at: | | | |---|---| | Email: | enquiries@better.co.nz | | Phone: | 0800 666 065 | | Address: | 49 Carlyle StreetSydenham,Christchurch 8023 | ## Nature and Scope of Engagement ### Vehicle Loans: New loans and Refinance One Partner Limited facilitates vehicle and marine loans through Heartland Bank and Marac. We do not provide financial advice for these loans. Should an applicant fall outside Heartland lending eligibility, we provide financial advice services on vehicle and marine loan products from the following providers (known as lenders): - Oxford Finance - Avanti Finance - Financial Holdings Limited (FHL) - Finance Now - Thorn Finance - NZCU - UDC - Nectar - Geneva - Latitude Financial Services - CFS Finance - Branded Financial Services ### Personal Loans and Debt Consolidation One Partner Limited provides financial advice services for personal loans and debt consolidation loans from the following providers (known as lenders): - Marac - Heartland Bank - Oxford Finance - Avanti Finance - Financial Holdings Limited (FHL) - Finance Now - Thorn Finance - NZCU - UDC - Nectar - Geneva - Latitude Financial Services - CFS Finance - Branded Financial Services ### Credit and Asset Insurance Products One Partner Limited does not provide advice on Credit Insurance products (Lifestyle Protection Insurance and Guaranteed Asset Protection), or Asset Insurance products (Mechanical Breakdown Insurance). If we provide the option of these insurances together with a personal loan, our services are limited to providing you with information to assist in making a decision and aiding you in obtaining the insurance(s). We provide information about Credit and Asset Insurance products from Provident Insurance and Quest Insurance. ## Our advice services: How we operate To ensure that our financial advisers prioritise the client's interests above their own, we follow a robust advice process to ensure our recommendations are made on the basis of the client's goals and circumstances. ### Advice Process 1. **Getting started.** We get to know you: your circumstances and what you want to achieve. 2. **Next, it's time to gather information and relevant data for your needs and objectives.** 3. **Then we get to work, assessing the information provided and gathered, and working through the options and solutions relevant to your needs.** 4. **And after that gathering and analysing, we provide our recommendations.** 5. **Then we implement those recommendations.** 6. **And lastly, every year, we invite you to review your needs and circumstances.** *Your Needs First.* ## Conduct One Partner Limited, 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 isn't 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 https://www.fma.govt.nz. ## Fees and Remuneration ### Loans One Partner Limited may charge an Introducer Fee of up to $995 and our lenders charge an Establishment Fee which can vary from $80 up to $450 depending on the Lender. These fees are added on to the loan amount you are borrowing. One Partner may also be remunerated in either of these ways depending on the lender: 1. **Commission:** We may receive a commission from the lender when a loan is completed. The commission amount is a percentage of the loan amount and will vary depending on the lender. 2. **Interest Income:** A portion of the interest payable by you to the lender based on the amount financed and the term of the loan, paid to us at settlement. ### Insurance Products If we help you obtain Credit or Asset Insurance from Provident Insurance, in conjunction with a vehicle or personal loan, we may receive a commission from that insurance provider. ## Conflicts of Interest; Commissions and Incentives One Partner Limited receives income from lenders. This income varies depending on the lender. 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. We maintain registers of conflicts of interests, and the gifts and incentives we receive. We take any perceived or real conflicts of interest very seriously and have a dedicated policy for dealing with such issues whereby we avoid, disclose and/or manage any conflicts so that our client's interests are placed first and foremost. All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme annually. ## Complaints handling and dispute resolution If you are not satisfied with our financial advice service you can make a complaint by emailing enquiries@better.co.nz or by calling 0800 666 065. You can also write to us at: 49 Carlyle Street, Sydenham, Christchurch 8023. 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact Financial Services Complaints Limited (FSCL). ### Financial Services Complaints Limited (FSCL) Financial Services Complaints Limited (FSCL) provides a free, independent dispute resolution service that may help investigate or resolve your complaint, if we haven't been able to resolve your complaint to your satisfaction. You can contact Financial Services Complaints Limited (FSCL) by: - emailing complaints@fscl.org.nz or - calling: 0800 347 257 - can also write to them at: FSCL, PO Box 5967, Wellington 6140 - or fill in the online complaints form: https://fscl.org.nz/about-us/complaints/complaint-form ## How to get a printed copy You can download a copy of this disclosure statement [here](https://better.co.nz). ## Ask us - we are here to help... We welcome any questions or queries you have in relation to this information. Just get in touch on 0800 666 065 or enquiries@better.co.nz. --- ## https://financeadvisers.co.nz/api/provider/FSP417686/disclosure.md > _Markdown transcription of Icib Brokerweb Limited's Public Disclosure Statement, version 2026-05-18. Source: https://icibconz.cdn.prismic.io/icibconz/adhRwp1ZCF7ETDjS_PublicDisclosureStatementMay2026.pdf._ --- # Disclosure Statement ICIB Brokerweb Limited (**ICIB-BW**) is committed to providing you (the **Client**) with financial advice that is suitable for your needs. ## Our Contact Details - **Phone:** 09 377 4314 - **Email:** insurance@icib.co.nz - **Website:** www.icib.co.nz - **Address:** Level 12, 66 Wyndham Street, Auckland Central, Auckland 1010 ## Our Licence and Registration The Financial Markets Conduct Act requires us to hold a current licence for our Financial Advisers to provide financial advice services to you on our behalf. We are a Financial Advice Provider (**FAP**) licenced by the **Financial Markets Authority of New Zealand (FMA)**. ICIB-BW holds a **Class 2 FAP Licence**. As a Licenced FAP we have standard conditions on our licence. These conditions are not specific to us and do not limit or restrict the advice we may provide. We are licenced to provide financial advice on Insurance Products and that advice will be provided to you through our registered financial advisers. We are required to be registered as a Financial Service Provider (**FSP**). You can view our FSP registration on the FSP Register at fsp-register.companiesoffice.govt.nz/ | Entity | FSP Number | |--------|-----------| | ICIB Brokerweb Limited | 417686 | ## Our Terms of Business Our Standard Terms of Business (**TOB**) can be found on our website at https://www.icib.co.nz/policies/terms-business. Our TOB set out the terms and conditions on which we will provide you with our services and apply to all the services we provide unless we agree otherwise in writing. ## Our Income We may charge fees for financial advice. The fees we charge are for our services and the placement, implementation, and administration of the insurance policies that you choose to accept and purchase. These fees apply if you act on our advice and purchase insurance through ICIB-BW. If you do not purchase insurance through us, no fees will apply (unless we specifically agree otherwise with you). In respect of Fire and General insurance, the amount of our fees varies depending on a number of factors, including the number for policies you choose to purchase, the policy type(s), the insurer(s), the scope of our services (including the extent of our review and the information disclosed to us), and are subject to minimum fees. We will determine our fees and add them to the invoice (as a separate item) for the insurance that you purchase through us. You may request an estimate of our fees at any time. ICIB-BW may earn commission when you accept my financial advice and purchase an insurance policy. The commission is paid to ICIB-BW by the Insurance Product Provider (**Insurer**) on each policy that you purchase. The commission paid to us differs by insurer and the type of policy you purchase as follows: ### Fire and General Insurance (non-life and health insurance) The commission paid to us ranges between **12.5% and 30%** of the insurance premium (excluding government levies and taxes) ### Life and Health Insurance The commission paid to us ranges between **10% and 240%** of the insurer premium when the policy is first purchased. On renewal of the policy, the commission paid to us ranges between **5% and 30%** of the insurer premium. It is important to note the level of commission does not affect your premium ### Group Risk and Health Insurance The commission paid to us ranges between **5% and 30%** of the insurance premium (excluding government levies and taxes) In respect of Fire and General insurance policies, payment of the premium, including any associated charges, are due within the credit terms which are shown on our tax invoice(s). We may also earn investment income from the handling of premium funds. Should you require us to arrange Premium Funding facilities for you, we may receive commission from the premium funding company in connection with your premium funding facilities. ## NZbrokers Management Limited We are a member of NZbrokers Management Limited (**NZb**). NZb provides services such as IT, education, training, technical insurance product, claims support, and group member benefits to us. When you accept our financial advice and purchase a policy, NZb may receive a service fee or technology fee from the Insurer. ## AUB Group NZ Limited Our parent company, AUB Group NZ Limited, may receive a service fee from the insurer when you accept financial advice from ICIB-BW and purchase an insurance policy. In some cases, we may refer you or advise you to use the services of one of our related body corporates, for example one of the underwriting agencies within the AUB Group. All placements and referrals will be made independently and without any undue influence to ensure objectivity. ## Insurance Product Providers A list of the Insurance Product Providers that ICIB-BW place insurance policies with can be found on our website at https://www.icib.co.nz/policies/insurance-product-providers ## Conflicts of Interest To ensure that we prioritise your interests above our own, we follow an advice process that ensures recommendations are made on the basis of your individual needs and circumstances (and not based on other factors, such as the amount of commission we may receive). Our advisers complete annual and ongoing training about how to manage conflicts of interest, and a register is maintained. We monitor this register and provide additional training to our advisers where necessary. We perform an annual review of our compliance programme. You should be aware that there are potential conflicts of interest that you may need to take into consideration when you decide to seek and accept financial advice from us. We will make you aware of any conflicts when giving advice. ## Our Commitments Our advisers will provide you with financial advice on ICIB-BW's behalf. When providing financial advice to you, our advisers will: - Treat you fairly and act with integrity - Only recommend products or services that meet your needs - Give priority to your interests - Provide you with a Personal Disclosure Statement - Keep your information safe - Abide by the Code of Professional Conduct for Financial Advice Services (**Code of Conduct**) (which includes meeting the standards of competence, knowledge and skill, ethical behaviour, conduct, and client care set out in the Code of Conduct) - Exercise care, diligence, and skill The Code of Conduct for Financial Advice Services can be found online at financialadvicecode.govt.nz/ ## Complaints If you have a problem, concerns, or you are dissatisfied with either a product or financial advice service that has been provided by us or one of our advisers, please tell us so that we can help to resolve the matter. You can make a complaint by completing our online Complaint Form. The Complaint Form can be accessed here, or within our Complaints Process which can be found on our website at https://www.icib.co.nz/policies/feedback-complaints If you are unhappy with the outcome of our Complaints Process, you can contact Financial Services Complaints Limited (**FSCL**) – A Financial Ombudsman Service. FSCL is an independent dispute resolution scheme who will help investigate or resolve your complaint. The FSCL service is provided to you free of charge. Details of how to make a complaint to FSCL can be found on their website. ### FSCL Contact Details - **Phone:** 0800 347 247 - **Email:** info@fscl.org.nz / complaints@fscl.org.nz - **Postal Address:** PO Box 5967, Wellington 6140 - **Website:** fscl.org.nz/ ## Privacy ICIB Brokerweb collects and shares your personal information to provide insurance broking services. We may collect your personal information directly from you and indirectly from third parties located either in New Zealand and/or overseas. We may also share your information with third parties (including insurers, loss assessors, and other service providers) where necessary to provide our services. In some circumstances, overseas recipients may not be subject to privacy laws that provide the same level of protection as those in New Zealand. Where we are unable to ensure comparable privacy safeguards apply, we will seek your authorisation before disclosing your personal information to those recipients. Full details on how we handle your personal information are set out in ICIB's Privacy Statement. --- ## https://financeadvisers.co.nz/api/provider/FSP42652/disclosure.md > _Markdown transcription of Cole Murray Group Limited's Public Disclosure Statement, version 2026-05-23. Source: https://colemurray.co.nz/wp-content/uploads/2022/05/website-DISCLOSURE-v5-May-2022-1.pdf._ --- # DISCLOSURE STATEMENT **Effective 15 March 2021** --- ## DISCLOSURE The following information provides you (the client) with an important overview of Cole Murray Group Limited, our duties to you, fees & commissions, and how we manage complaints. ### Licence Status and Conditions Cole Murray Group Limited, FSP42652, trading as Cole Murray, holds a financial advice providers licence issued by the Financial Markets Authority. NTF200220694. The Licence is subject to standard conditions only, and includes associate businesses as Authorised Bodies, who can also provide market services. Our associate businesses are: * Cole Murray Premium Funding Limited – FSP295126 * Bureau Specialised Insurance Agency Limited – FSP389246 ### Nature and Scope of Advice Cole Murray provides advice to clients about the many aspects of financial services. Our services include: * Investment strategies (strategic asset allocation and investing) * Debt management (including borrowing for personal and investment purposes) * Kiwisaver investment strategies and retirement planning * Personal insurances * General insurances * Personal Financial Plans Cole Murray is non-aligned, so when providing our advice, we access a wide range of products from various providers in both the local and overseas markets. The products we can advise on include: * KiwiSaver investments * Managed investments * Personal and group insurance (life cover, disability, income protection, trauma, health) * Loans including mortgages, reverse mortgages, personal loans, business loans * General insurance covering domestic insurance (house, contents, motor vehicle, landlords) and commercial insurance (commercial property, business interruption, commercial motor, marine, liability, professional indemnity, cyber insurance) * Life investment products including whole of life, endowment and bonds ### Product Providers The various product providers available to Cole Murray includes: #### KiwiSaver investments 1. Booster Investments Management Limited 2. ANZ New Zealand Investments Ltd (OneAnswer) 3. AMP Services (NZ) Ltd 4. Milford Funds Ltd #### Managed investments 1. ANZ New Zealand Investments Ltd 2. AMP Services Ltd 3. AMP Capital Investors (New Zealand) Ltd 4. Booster Investments Management Ltd In regard to managed investments, Cole Murray has access through ANZ and OneAnswer Investment Portfolio which offers a comprehensive range of managed funds and fund managers. Details of products & managers will be advised prior to any investment being made. #### Personal & group insurance 1. NIB NZ Limited 2. ACCURO Health Insurance 3. AIA NEW ZEALAND Ltd (Sovereign) 4. AMP (Resolution Life NZ) 5. Cigna Life Insurance New Zealand Ltd 6. Asteron Life Limited (Suncorp) 7. Southern Cross Health 8. Fidelity Life Assurance Company Limited 9. Partners Life Ltd #### General insurance 1. AIG Insurance New Zealand Ltd 2. Allianz New Zealand Ltd 3. Ando Insurance Group Ltd 4. Aon New Zealand 5. Berkshire Hathaway Specialty Insurance 6. Chubb Insurance New Zealand Ltd 7. Classic Cover Insurance Ltd 8. Delta Insurance New Zealand Ltd 9. DUAL New Zealand Ltd (IUA) 10. Lumley General Insurance (N.Z.) Ltd 11. NZ Insurance 12. Protecsure Pty Ltd 13. QBE Insurance (Australia) Ltd 14. Rosser Underwriting Ltd 15. Star Insurance (Star Underwriting Agents Ltd) 16. Swann Insurance 17. TLC Insurance 18. Vero Insurance New Zealand Ltd 19. Vero Liability Insurance Ltd 20. Zurich Australian Insurance Ltd #### Loan providers 1. ANZ Bank New Zealand Ltd 2. ASAP Finance Ltd 3. ASB Bank Ltd 4. Select Asset Finance 5. Avanti Finance 6. Basecorp Finance Ltd 7. Bank of New Zealand 8. Conrad Funds Management Ltd 9. Cressida Capital Ltd 10. DBR Ltd 11. First Mortgage Trust 12. Liberty Financial Ltd 13. Pepper New Zealand Ltd 14. Prospa NZ Ltd 15. Resimac Home Loans Ltd 16. Southland Building Society (SBS Bank) 17. Select Bluestone (Bluestone Mortgages Ltd) 18. Southern Cross Financial Group 19. Sovereign Home Loans (AIA / GoHomeLoan) 20. The Co-operative Bank Ltd 21. Westpac New Zealand Ltd 22. Heartland Bank Ltd 23. NZCU baywide 24. Bluestone Mortgages 25. Funding Partners Whilst the above list is extensive, we are not limited to just those mentioned above. From time to time, Cole Murray is able to utilise any product provider on the basis that you our client receives the best arrangement(s) to satisfy your needs and goals. --- ## Our Fees, Expenses and / or Other Amounts Payable The actual amount Cole Murray may charge you will depend on the nature and scope of the advice or service we provide. We will discuss and agree the actual fees with you before we proceed and will explain how these fees will be payable. Our agreed advice and services and service fees may include charges for initial advice, ongoing or annual advice, and services. The fees charged for our advice and services may be based on a combination of a set dollar amount or a percentage-based fee. Fees will be confirmed in our Statement of Advice which will be provided to you when the advice is given. In addition, a fee and / or charges may be payable for altering or cancelling your service or product. This may include costs by an intermediary. If fees or costs will be charged, you will be advised at the time the financial advice is provided. For services in relation to insurance, some investment products and loans products, commissions may be paid by the product provider. This is usually an initial commission which is normally a percentage of the value of your investment contribution, loan amount or insurance premium, plus an ongoing commission, usually a percentage of the value of your investment balance, outstanding loan amount or premiums and generally calculated at the end of the month in which you hold the investment or loan, or renewal of insurance products. ### Other Costs Where other costs are incurred in the process of providing our advice and services to you, you will be liable for these costs. These other costs may arise from another service provider, for example property valuer, property surveyors, etc and / or incidentals such as travel costs, stationery, etc. However, we will agree all additional costs with you prior to incurring them. ### Conflicts of Interest Cole Murray has spent many years forging relationships with providers. The benefits of these relationships are seen every day by giving our clients outstanding choice, competitive pricing, coverage options and policy support services. Your interests are our priority, even though we do have these business relationships. Cole Murray are paid commissions and / or fee income for the business placed with product providers. The amount of this income received varies as it is normally calculated as a percentage, as detailed above. From time to time our product providers assist us with funding so we can bring our advisers together for conferences and professional training. We may also receive indirect benefits such as business lunches, tickets to sporting and / or cultural events, corporate promotional merchandise and other unquantifiable minor benefits. Cole Murray recognises that the above commissions and incentives may create conflicts of interests for the business and associated financial advisers. To manage these conflicts, our advisers follow an advice process that ensures the recommendations made to you, the client, are made based on your financial goals, personal circumstances and have received appropriate research. Cole Murray operates its own Premium Funding Company for the purpose of funding general insurance premiums. You, as the client, will be advised if Cole Murray will be using Cole Murray Premium Funding Ltd (CMPF) prior to any business being placed with CMPF. --- ## Complaints & Disputes Process If you are not satisfied with the services provided by Cole Murray please contact your financial adviser or Cole Murray directly and tell us so we can try and fix the problem. Cole Murray's complaints officer is Willem Vermeulen (06 8707050) (info@colemurray.co.nz), he will formally acknowledge your complaint usually in writing and will endeavour to resolve the issue fairly and in a timely manner. When we receive a complaint, we will handle your complaint in an open and transparent manner and will endeavour to resolve the complaint fairly and within 20 days. If we have not resolved your complaint within 20 days, we will provide you with a written update as to the reasons for the delay, what action is underway to resolve your complaint and advise you of the anticipated timeframe for a response. In handling your complaint, there are several remedies available to us, including but not limited to: * an apology or explanation. * liaison with product provider to find a mutually agreeable outcome to your complaint. If we cannot agree on how to remedy the issue, or you, the client, decide not to accept or use the internal complaints scheme, you can contact our external disputes resolution service – FDRS. ### Financial Dispute Resolution Service details are: **Level 4** **142 Lambton Quay, Wellington Central** **Wellington 6011, NZ** **Ph:** 0508 337 337 / enquiries@fdrs.org.nz / www.fdrs.org.nz --- ## Duties Cole Murray and its Financial Advisers are bound by duties under the Financial Markets Conduct Act 2013 (Act). We are required to: 1. Meet certain standards of competence, knowledge and skill, as set by the Code of Professional Conduct for Financial Advice Services (referred to as Code of Conduct). These standards have been designed to ensure that we have the relevant expertise to provide you with good advice. 2. Take reasonable steps to ensure that you understand the nature and scope of the advice we give, and let you know if there are any limitations on the advice we provide. This will help you ensure the advice provided meets your goals and objectives. 3. Give priority to your interests by taking all reasonable steps to make sure our advice is not materially influenced by our own interests. 4. Exercise a prudent level of care, diligence and skill. 5. Meet certain standards of ethical behaviour, conduct and client care as required by the Code of Conduct. These standards are designed to ensure that we treat you as we should and give you suitable advice. 6. Not offer or recommend a financial product that contravenes the Act or related regulations. This gives you peace of mind that the products we recommend are compliant with relevant laws. 7. Make certain disclosure information is available at certain times, for example when advice is provided. We must not provide false, misleading or incomplete information. 8. You can access the Code of Professional Conduct for Financial Advice Services [here](https://www.fma.govt.nz/). --- ## Contact Details You can contact us at: **Cole Murray** **310 Avenue Road East** **Hastings 4122** **(P O Box 12, Hastings 4156)** **Phone:** +64 6 870 7050 **Email:** info@colemurray.co.nz **Web:** www.colemurray.co.nz --- ## https://financeadvisers.co.nz/api/provider/FSP44053/disclosure.md > _Markdown transcription of Stuart And Carlyon Limited's Public Disclosure Statement, version 2026-05-18. Source: https://cdn.prod.website-files.com/5cd9e41d07d6533fe01d67e2/6883e1c3d6b15507b099dccf_Stuart%20Carlyon%20Disclosure%20Information.pdf._ --- # DISCLOSURE INFORMATION ## Licensed Financial Advice Provider Stuart and Carlyon Limited is licensed as a Financial Advice Provider by the Financial Markets Authority (FMA). Our Financial Services Provider number is FSP44053. ### Our office contact details are: Suite 2.1, 8a Cleveland Road, Parnell, Auckland 1052 Phone: 09 307 2331 Email: info@stuartcarlyon.co.nz Website: www.stuartcarlyon.co.nz ## Nature and scope of advice Stuart Carlyon provides our clients with financial planning and investment management services. Our financial planning services use the Financial Planning Standards Board approach to develop strategies to help our clients manage their financial affairs to meet their goals. We provide advice and arrange investments for clients including reviewing existing investments, setting and monitoring the asset allocation in the context of risk and return parameters. Our investment service is non-discretionary. That is, we require client approval before we proceed with any investment transaction. Our advice is independent, and we are not limited to any particular investment or product provider. Our investment recommendations include products from leading fund managers (based in New Zealand, Australia, the UK and the US) and from highly credit-rated NZ banks, direct shares and fixed interest securities. ## Fees and expenses We charge for advice at the hourly rate of $400 plus GST, including the initial consultation. The fee charged will depend on the nature and scope of the advice or service we provide for you. There is a cost for our financial planning advice and to implement any investment advice. We will outline the estimated cost in a letter of engagement and agree the fees with you before we proceed. Clients who choose our Investment Management Service are charged a retainer fee which covers investment monitoring, administration and reporting. This also covers on-going review of your financial situation. The cost is expressed as a percentage of funds under management. ## Commissions, incentives and conflicts of interest Stuart Carlyon's remuneration is derived solely from the fees we charge our clients. We do not receive any commission paid by any supplier or financial organisation following business placed with them. If any commissions are received, they are rebated to you, or offset against fees. We do not receive any non-monetary benefits such as travel, accommodation or gifts in return for recommending any investment. ## Complaints handling and dispute resolution If you are not satisfied with our financial advice service, please tell us so we can address the problem. Please email us at info@stuartcarlyon.co.nz or phone on 09 307 2331. Any complaints are referred to our Compliance Officer who will acknowledge it within 2 business days and record in our register. We will investigate the complaint and seek to resolve it within 10 business days. If we cannot resolve the issue, or if you decide not to use our internal complaints process, you can contact Financial Services Complaints Limited (FSCL). FSCL are an independent, not-for-profit, external resolution scheme and are recognised as a financial ombudsman service. FSCL's service does not cost you anything and they will help resolve the complaint. ### FSCL contact details are: PO Box 5967, Wellington 6011 Phone: 0800 347 257 Email: complaints@fscl.org.nz Website: www.fscl.org.nz ## Act with integrity Stuart Carlyon, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way we give advice. ### Our promise is to: 1. Give priority to your interests ahead of our own. 2. Exercise care, diligence and skill in providing you with advice. 3. Meet the standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services. 4. Meet the standards of ethical behaviour, conduct and client-care to make sure we treat you as we should and give you suitable advice. 5. Ensure you understand the nature and scope of our advice. Stuart Carlyon and all its Financial Advisers adhere to and demonstrate the highest professional ethics and standards. Neither the company nor any financial adviser has ever been subject to any criminal, civil or professional body disciplinary action. --- ## https://financeadvisers.co.nz/api/provider/FSP445087/disclosure.md > _Markdown transcription of The Advisers Limited's Public Disclosure Statement, version 2026-05-24. Source: https://theadvisers.co.nz/disclosure-statement/._ --- # Disclosure Statement — The Advisers > Here at The Advisers for Insurance everything we do is for the benefit of our clients. Our belief is **What matters to you matters to us** and is the driving point of how we deal with our clients and operate a successful business. --- We adhere to a company philosophy of striving to provide the best possible service to our clients and look after them in the best way we can. Openness, honesty, and integrity are hallmarks of our company. **We strive to provide you with:** - Superior cover for your Domestic, Business, Farm and Life and Health Insurances - Technical risk and insurance advice - Personalised claims service where we advocate for you - Competitive premiums from all major insurance companies We are locally owned and operated and our clients enjoy innovative expertise which includes access to specialised broking services and a personalised relationship. --- ## Licensing Information The Advisers Limited **FSP 445087** holds a licence issued by the Financial Markets Authority to provide financial advice. --- ## Duties Information The Advisers Limited, 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 [https://www.fma.govt.nz](https://www.fma.govt.nz) --- ## Nature and Scope of the Advice The Advisers Limited provide advice to our clients in all aspects of insurance including but not limited to: **Domestic insurance**, including but not limited to: - House - Contents - Landlords - Motor vehicle - Boat insurance **Commercial insurance**, including but not limited to: - Commercial property - Business interruption - Commercial motor - Marine - Liability - Professional indemnity - Cyber insurance **Life and Disability insurance**, including but not limited to: - Life - Medical - Commercial group schemes - Key person - Debt protection - Total and permanent disability When providing our advice, we access a wide range of insurance products from various insurance providers both in the local and overseas markets. --- ## Remuneration and Conflicts of Interest The Advisers Limited receive commissions from the providers on placement of an insurance policy. If you decide to take out an insurance product based on our advice, the provider will pay a commission to The Advisers Limited. **Fire and General Insurance:** The amount of commission is based on the Company and Natural Disaster Premium and can range from **7% – 30%**, depending on the insurance product involved. **Life and Health Insurance:** The amount of commission is between **10% and 190%** of the first year's premiums of your policy – the amount depends on which insurance company and which insurance policy you choose. The Advisers also receive a commission of between **4% and 30%** of the premium for each year the policy remains in force. **Premium funding loans:** A commission of up to **2%** of the interest charged on the term of the funding loan is paid. For all transactions we provide a remuneration disclosure at the time of providing advice if our remuneration is known, and this may also include an administration fee which we will disclose to you. All of our employed staff are paid a salary meaning the advice we provide you is impartial to the level of cover you take. To ensure that our financial advisers prioritise the client's interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the client's goals and circumstances. We have no internal targets or bonus structures that our advisers financially gain from when giving you advice and all of our financial advisers undergo annual training about how to manage conflicts of interest. We also have two commissioned Advisers, **Jacinda Doell** and **Mike Weren**, who own and operate their own client base. --- ## Complaints If you are not satisfied with our financial advice service, you can make a complaint by: - **Email:** info@theadvisers.co.nz - **Phone:** 06 769 5186 - **Post:** PO Box 1055, New Plymouth 4340 **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 cannot, 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 the **Insurance & Financial Services Ombudsman Scheme**, to whom we subscribe. The Insurance & Financial Services Ombudsman Scheme is an 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. There is no cost to you for this service. **Contact details:** Insurance & Financial Services Ombudsman Scheme Level 2, Solnet House 70 The Terrace Wellington Post: PO Box 10-845, Wellington 6143 Telephone: 04 499 7612 Email: info@iombudsman.org --- ## https://financeadvisers.co.nz/api/provider/FSP44869/disclosure.md > _Markdown transcription of Apex Advice Group Limited's Public Disclosure Statement, version 2026-05-24. Source: https://apexadvice.co.nz/licence/._ --- # Our Disclosures — Apex Advice Group Limited --- ## 1. Licence Status and Conditions **Licence status and conditions** Apex Advice Group Limited (FSP44869) holds a full licence issued by the Financial Markets Authority (FMA) to provide Financial Advice. The following company is authorised under Apex Advice Group's licence: - APEX Financial Group HB Limited (FSP754591) **Our Duties** AAG and anyone who gives financial advice on our behalf, have duties under the Financial Market Conduct Act 2013 relating to the way that we give advice. We are required to: - Give priority to your interests by taking reasonable steps to make sure our advice isn't 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. - Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services. This is only a summary of our duties. More information is available by contacting us, or by visiting the FMA website at [www.fma.govt.nz](https://www.fma.govt.nz/). The Code of Professional Conduct for Financial Advice Services can be read at: https://www.fma.govt.nz/library/guidance-library/code-of-professional-conduct-for-financial-advice-services/ --- ## 2. Nature and Scope of Financial Advice Service AAG provide the following types of financial advice about products from the providers listed at: **Insurance, Home Loans, and Investments Providers** — https://apexadvice.co.nz/insurance-home-loans-investments-providers/ Please note that neither AAG nor any of its Authorised Bodies are legal or taxation experts. If you have a concern in these areas, we strongly recommend you seek professional advice from a tax or legal specialist. --- ## 3. Fees, Expenses, or Other Amounts Payable We do not usually charge our customers for the advice we provide (the product provider normally pays for it). However, in some circumstances you may be charged a fee for acting on our advice. Whether a fee will be charged and the way it will be charged will be explained to you by your adviser before any fees are incurred. --- ## 4. Conflicts of Interest and Commissions or Other Incentives AAG receive commissions from the product providers for the financial products we place and/or service; in turn AAG pay our Advisers commissions or other incentives. We recognise that this may pose a conflict of interest and have implemented internal processes to ensure that all advice given prioritises our clients' best interests and meets their needs and expectations. We provide regular training to our Advisers on identifying and managing conflicts of interest and undertake regular quality checks to ensure compliance with our conflict-of-interest policies. In case we identify, or you identify, a conflict of interest, we will discuss it and document it on your Statement of Advice so you can make an informed decision about our advice. --- ## 5. Complaints Handling and Dispute Resolution Process AAG are proud to deliver a high level of service; however, if you have a problem, concern, or complaint about any part of our service, please inform your adviser so we can address it fairly, effectively, and promptly using a clear complaints process. Internal complaints process: https://apexadvice.co.nz/contact/complaints-process/ If, after going through our complaints process, we are unable to reach a resolution, you can contact our external independent dispute resolution scheme. This service is free and may help investigate or resolve the complaint. **We are a member of the Insurance and Financial Services Ombudsman (IFSO) dispute resolution scheme.** IFSO website: [https://www.ifso.nz/](https://www.ifso.nz/) --- ## Contact Us If you would like to contact us, please either: - Email us at [clientsupport@apexgroup.co.nz](mailto:clientsupport@apexgroup.co.nz) - Call us on **0800 809 009** - Send a message via the online contact form at: https://apexadvice.co.nz/contact/ --- *Source: https://apexadvice.co.nz/licence/* > **Note on linked sub-documents:** This disclosure references the following external/linked documents whose content is not reproduced here: > - Provider list (Insurance, Home Loans, and Investments): https://apexadvice.co.nz/insurance-home-loans-investments-providers/ > - Internal complaints process description: https://apexadvice.co.nz/contact/complaints-process/ > - Code of Professional Conduct for Financial Advice Services (FMA): https://www.fma.govt.nz/library/guidance-library/code-of-professional-conduct-for-financial-advice-services/ --- ## https://financeadvisers.co.nz/api/provider/FSP450487/disclosure.md > _Markdown transcription of Threefold Mortgages Limited's Public Disclosure Statement, version 2026-05-24. Source: https://threefold.co.nz/disclosure-statements/._ --- # Disclosure Statements — Threefold ## Mortgages, Personal Insurance & KiwiSaver To download the company Disclosure Statement relating to the Mortgages, Personal Insurance and KiwiSaver divisions, please refer to the linked document below. **Document:** Threefold Group Disclosure Statement **Link:** [20260203\_Threefold-Group-Disclosure.pdf](https://threefold.co.nz/wp-content/uploads/2026/02/20260203_Threefold-Group-Disclosure.pdf) --- ## Fire & General Insurance To download the company Disclosure Statement relating to the Fire & General (Home & Contents) Insurance division, please refer to the linked document below. **Document:** Threefold Fire & General Disclosure Document **Link:** [20251203\_threefold-fire-general-disclosure-document.pdf](https://threefold.co.nz/wp-content/uploads/2024/08/20251203_threefold-fire-general-disclosure-document.pdf) --- > **Note:** The full disclosure content (including fees, conflicts of interest, commissions, complaints processes, dispute resolution scheme details, professional indemnity insurance, product/provider panels, ownership, and material business relationships) is contained within the two PDF sub-documents linked above. This page serves as the index/landing page directing users to those documents. --- ## https://financeadvisers.co.nz/api/provider/FSP451986/disclosure.md > _Markdown transcription of Tony Mounce Mortgages Limited's Public Disclosure Statement, version 2026-05-24. Source: https://tonymouncemortgages.co.nz/information-about-us/._ --- # Important Information — Disclosure Statement **Tony Mounce Mortgages Limited** FSP451986 | Trading as TMO --- ## Licencing Information Tony Mounce Mortgages Limited (FSP451986, trading as TMO) is a Financial Advice Provider (FAP) licenced and regulated by the Financial Markets Authority (FMA) to provide financial advice services. --- ## Conflicts of Interest, Commissions and Other Incentives Tony Mounce Mortgages 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) and also 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 clients' 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 Tony Mounce Mortgages 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 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) --- ## 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 commission. If this applies to your situation it will be disclosed to you in advance. In addition, we may charge you the fees below. We may charge you a **cancellation fee** once you enter into a loan via Tony Mounce Mortgages 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. 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. ### Lender Panel We can advise on mortgage and loan products from the following lenders: - Adroy Capital Limited - Advantage Finance - AMFL Limited - ANZ Bank New Zealand Limited - ASB Bank Limited - Avanti Finance Limited - Bank of China (New Zealand) Limited - ASAP Finance - Basecorp Finance - Bright Enterprise Holdings - Liberty Financial Limited - Conrad Funds Management Ltd - Churchill Funding Limited - Core Finance Limited - Cressida Capital - Fico Finance Limited - Finbase - First Mortgage Trust - General Finance Limited - Goldband Finance Limited - BIZCAP NZ Limited - Heartland Bank Limited - BNZ - Kiwibank Limited - Midland Funds Management Limited - MTF Finance Rangiora - Mutual Credit Finance Limited - Nelson Building Society - One Partner Limited - Pallas Capital Limited - Pepper New Zealand Limited - Prospa NZ Limited - SBS Bank - Sovereign/AIA - Southern Cross Partners Limited - The Co-operative Bank Limited - TSB Bank Limited - Unity Credit Union - Vincent Capital - Westpac New Zealand Limited - Wroxton Finance Limited - Xceda Finance --- ## Contact Details **Call:** +64 3 365 8625 **Email:** info@tonymounce.co.nz **Write to:** PO Box 29521, Riccarton, Christchurch 8440 --- *Note: This page does not reference a separate disputes resolution scheme or professional indemnity insurer/limit. If those details are contained in linked sub-documents (e.g. individual adviser disclosure statements), they have not been reproduced here as no such links were present on this page.* --- ## https://financeadvisers.co.nz/api/provider/FSP46362/disclosure.md > _Markdown transcription of Findex Advice Services Nz Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.findex.co.nz/disclaimers/public-disclosure._ --- # Public Disclosure ## Licensing Information Findex Advice Services NZ Limited (FSP46362), trading as Findex is a Financial Advice Provider (FAP) licensed and regulated by the Financial Markets Authority to provide financial advice and a Discretionary Investment Management Service (DIMS). --- ## Nature and Scope of the Advice Findex Advice Services NZ Limited provides financial advice about managed funds, personal risk insurance, residential and commercial lending products, provided by relevant product providers. Findex Advice Services NZ Limited is a licensed provider of Discretionary Investment Management Service (DIMS). Findex Advice Services NZ Limited may provide you with advice on a [wide range of products](https://a-ap.storyblok.com/f/3000455/x/dfc721151e/fap-disclosure-provider-list-008.pdf) from various product providers. --- ## Fees or Expenses Findex Advice Services NZ Limited will charge a fee for the financial advice that is provided to you. The fee charged will depend on the nature of the financial advice and service that we provide. We charge a fee for the provision of a written financial plan. We will charge fees for the use of the Findex Advice Services NZ Limited DIMS. These fees will include amounts for the preparation of a statement of advice, and an annual monitoring fee. Findex Advice Services NZ Limited may charge you for the financial advice provided if you cancel your insurance or cancel or refinance your mortgage within the first two years after it is put in place. The exact fees we will charge will be confirmed at the time the advice is provided. --- ## Conflicts of Interest and Commission Our advisers receive a salary as an employee of Findex. They are eligible to receive a bonus/incentive each year if a certain level of overall performance is achieved. The bonus/incentive is based on factors such as good conduct, compliance, behavioural competencies, and productivity. Findex Advice Services NZ Limited receives a commission from the risk product providers/insurers and lenders through which we place business. The amount of the commission we receive depends on the terms agreed with each provider. Typically, we receive an upfront initial commission for risk insurance of between **5%–230%** of the annual premium and an annual ongoing commission of between **2.5% and 25%** for every year the policy is in place. Findex may receive commissions at settlement from the relevant lender if you choose to take out a mortgage following our advice. Findex is paid commissions by lenders when a mortgage settles and in some cases at the mortgage anniversary each year. We will provide more specific details of these commissions once we have talked to you and understand your needs at the time our advice is given. Findex Advice Services NZ Limited receives a commission from some product providers (e.g. KiwiSaver providers). Please refer to the [list of product providers](https://a-ap.storyblok.com/f/3000455/x/dfc721151e/fap-disclosure-provider-list-008.pdf) for indicative commissions. To ensure our advisers prioritise our clients' interests: - We follow an advice process that ensures our recommendations are made appropriately, based on clients' goals and circumstances. - All our 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. These registers are monitored regularly, and additional training is provided as required. - Any referral fees paid to partners are based on commissions arrangements. If a conflict of interest arises, we will promptly disclose it and prioritise your interests. - We engage a reputable external compliance provider to provide ongoing checks of our advice and undertake an annual independent Compliance Assurance Review. --- ## 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 9 303 4586 **Email:** complaints@findex.co.nz **Write to:** Findex Advice Services NZ Limited, Complaints, C/- Findex Mail Centre, Private Bag 90106, Invercargill 9840, New Zealand When we receive a complaint: The complaint will be acknowledged immediately then notified to the Findex group Disputes Division. **Our complaints process is:** 1. We will consider your complaint and work with you to resolve it. Where possible, we try to resolve your complaint immediately or within 5 business days. 2. We will immediately complete our internal paperwork lodging the complaint with our internal disputes team within 2 business days. 3. If unable to resolve your complaint immediately or within 5 business days, we will investigate your complaint further and aim to resolve complaints within 30 days of receiving the complaint. If we need more time to investigate your complaint, we will let you know when you can expect to receive a response. 4. 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. 5. If after further investigation, we resolve your complaint, then we will notify you in writing. 6. If we are unable to resolve your complaint internally, we will write to you advising of the reasons for this outcome and the courses of action available to you from here. We will do this no more than 30 days after the complaint is lodged with us. If we cannot agree on how to fix the issue, or if you decide not to use our internal complaints process, you can contact our external disputes resolution scheme. ### External Dispute Resolution — Financial Services Complaints Limited (FSCL) For **Findex Advice Services NZ Limited**, contact Financial Services Complaints Limited (FSCL). **Call:** 0800 347 257 or +64 4 472 3725 **Email:** complaints@fscl.org.nz **Write to:** FSCL, P O Box 5967, Wellington 6140 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. --- ## Duties Information Our advisers 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; - exercise care, diligence, and skill; - meet standards of competence, knowledge, and skill set by the Code of Professional Conduct for Financial Advice Services; and - meet standards of ethical behaviour, conduct, and client care set by the Code of Professional Conduct for Financial Advice Services. --- ## Contact Details **Findex Advice Services NZ Limited (FSP46362)**, trading as Findex is the Financial Advice Provider. **Call:** +64 9 303 4586 **Email:** nzadvice@findex.co.nz **Write to:** Findex Advice Services NZ Limited, C/- Findex Mail Centre, Private Bag 90106, Invercargill 9840, New Zealand A written copy of this information is available upon request. © Findex Group Limited 2026. All rights reserved. --- ### Linked Sub-Documents - [FAP Disclosure Provider List (PDF)](https://a-ap.storyblok.com/f/3000455/x/dfc721151e/fap-disclosure-provider-list-008.pdf) — contains the list of product providers and indicative commissions referenced in the Conflicts of Interest and Commission section, and the Nature and Scope of Advice section. --- ## https://financeadvisers.co.nz/api/provider/FSP463846/disclosure.md > _Markdown transcription of Mortgagehq Limited's Public Disclosure Statement, version 2026-05-24. Source: https://mhq.co.nz/important-information/._ --- # Important Information — mortgagehq limited --- ## Disclosure Information > You can download this important disclosure information [here](https://mhq.co.nz/wp-content/uploads/Stage-1-Publicly-Available-FAP-Disclosure.pdf). This document provides an important overview of mortgagehq limited, including our services, duties to you, fees, commissions, and how we manage complaints. --- ### Licence Status and Conditions mortgagehq limited, FSP463846, trading as mortgagehq, holds a Financial Advice Provider (FAP) licence issued by the Financial Markets Authority (FMA). --- ### Nature and Scope of the Advice We provide regulated financial advice on: - Residential lending solutions, including loans from New Zealand's main banks and a range of specialist/non-bank lenders. - KiwiSaver advice, offering recommendations on funds from a select group of providers. --- #### Lending Providers **Main bank / CCCFA lenders** - ANZ - ASB - Avanti - Basecorp - BNZ - Co-Operative Bank - Heartland Business - Kiwibank - Liberty Finance - NZCU Baywide - Peppermoney - Prospa - SBS - TSB - Westpac **Second Tier / Non-CCCFA Lenders** - ASAP Finance - Bank of China - BizCap - China Construction Bank - Cressida Capital - DBR - First Mortgage Trust - Funding Partners - General Finance - Goldband Finance - ICBC - Pallas Capital - Simplify - Southern Cross Partners - Strata Funding - The Lending People - Vincent Capital - XCEDA - XE --- #### KiwiSaver Providers We provide advice on KiwiSaver funds offered by: - Booster - Generate - Kōura Wealth - Milford Funds - NZFunds --- #### Insurance Providers - AIA --- ### Professional Partnership — Suite Financial To strengthen our duty of care for our clients, and ensure that clients receive rounded financial advice, mortgagehq has a **professional partnership** with **Suite Financial** – who we trust to deliver holistic personal risk and ACC advice to our clients. Where either you indicate a need — or we strongly believe there is benefit for you — for personal risk or ACC advice, we may recommend you to meet with Suite Financial. Our Mortgage Advisers have their own Nature and Scope disclosure. These are not available on our website but are provided to you when one of our advisers is engaged by you to give you advice, whether you are a prospective or current client. This will detail the product providers our adviser can give advice on. --- ### Fees and Expenses #### Home Loan Advice We generally do not charge a fee for our standard advice. However, a fee may apply if: - The lending is complex (e.g. commercial/business). - The loan involves non-CCCFA lenders that require a brokerage fee. - There is a request to extend pre-approval beyond the original 6-month period. You will be notified and required to accept any fees before we proceed. #### Brokerage Fee – Non-Bank Lenders Broker fees for non-bank products will be: - Confirmed before submission of your application. - Reconfirmed at the approval stage, per lender protocols. #### KiwiSaver Advice We may charge you directly for KiwiSaver advice (provider-dependent). We may also receive a servicing fee from the KiwiSaver provider (see Conflicts of Interest section below). --- ### Conflicts of Interest and Incentives We receive commissions from lenders and KiwiSaver providers. To ensure transparency: #### Lending Commissions - **Upfront:** Typically between 0.45% and 0.85% of the loan amount. - **Ongoing (trail):** Between 0.125% and 0.20% annually on the remaining loan balance. #### KiwiSaver Commissions We may receive: - An initial one-off commission when you join. - An ongoing service commission of approx. 0.20%–0.50% p.a. based on your KiwiSaver balance (varies by provider). We will confirm the actual commission structure relevant to your KiwiSaver before you make a decision. #### Adviser Remuneration - Our advisers are salaried employees. - They may qualify for performance bonuses based on: - Service quality - Compliance standards - Team performance (not just sales volume) #### Suite Financial — Referral Arrangement **Suite Financial is a separate and independently licensed Financial Advice Provider.** Suite Financial maintains its own financial advice provider licence, compliance framework, and disclosure documentation. Any advice provided by Suite Financial is subject to its own terms of engagement, scope of advice, and disclosure obligations. Referrals to Suite Financial are made solely where the Adviser reasonably believes the client will benefit from specialist advice that falls outside mortgagehq's scope of service. Clients are informed of the referral arrangement and must provide consent before their details are shared with Suite Financial. **Referral Commissions:** If a mortgagehq Adviser refers a client to Suite Financial and the referral results in a completed engagement or placement of insurance business, mortgagehq **may receive a referral commission** from Suite Financial. - The referral commission is **20% of the commission earned by Suite Financial** on that business. - This payment is made **directly from Suite Financial to mortgagehq**, rather than the Adviser, to ensure oversight. #### How We Manage Conflicts - We have formal conflict of interest policies. - Advisers follow a structured, compliant advice process. - All staff receive ongoing training in ethical standards. - We conduct annual internal and external compliance audits, including reviews by our aggregator (KAN). --- ### Complaints and Disputes If you're not satisfied with our service: - Email our Complaints Manager: compliance@mortgagehq.co.nz - Your complaint will be acknowledged within 8 business hours. - We will attempt to resolve the issue promptly. If **unresolved**, you can contact our Dispute Resolution Scheme – this service is free of charge. For more details, see the Disputes & Complaints section below. --- ### Our Duties to You We are bound by the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services. This means we must: - Meet competence, knowledge, and skill standards. - Help you understand the scope and nature of our advice. - Prioritise your interests where conflicts may arise. - Exercise care, diligence, and skill. - Treat you fairly and with integrity. - Provide honest and accurate disclosure information. --- ### Contact Details **mortgagehq limited** FSP No: 463846 Financial Advice Provider (FAP) - **Phone:** 0800 733 462 - **Email:** hello@mortgagehq.co.nz - **Address:** Geneva House, Level 2/3 Te Kehu Way, Mount Wellington, Auckland 1060 --- ## Disputes & Complaints > You can download information about [disputes and complaints here](https://mhq.co.nz/wp-content/uploads/MHQ-2021-Complaints-Information.pdf). > Further disclosure information regarding complaints is available to [download here](https://mhq.co.nz/wp-content/uploads/MHQ-2021-Disclosure-Information-Stage-4Complaints.pdf). At mortgagehq, we are focused on providing excellent client service and quality advice. We only try to help when we can see that our solutions will put you in a better situation. If you have a complaint regarding our adviser's service, explanations, product outcomes, or do not believe we have met the requirements outlined in our disclosure and/or Nature and Scope of our Advice, we would like to hear from you. We prefer that you contact your adviser first. If you do not feel comfortable in doing this, or believe the complaint will not be resolved, you can contact mortgagehq's compliance officer: - **Phone:** 027 391 0855 - **Email:** simon@mortgagehq.co.nz - **Contact:** Simon McDonald – Head of Advice We handle complaints first, internally, with an open mind and discuss the complaints handling process in a transparent manner. We will endeavour to resolve your complaint to your satisfaction within **5 business days**. If we have not resolved your complaint within this timeframe, we will outline why, what action is underway, and provide an understanding of the timeframe for resolution. ### External Dispute Resolution If you are unable to resolve your complaint with mortgagehq directly, you may refer it to: **Financial Services Complaints Limited (FSCL)** mortgagehq is a member of FSCL, an approved independent dispute resolution scheme that handles complaints in the financial services industry, including financial advisers. - **This service is FREE to customers.** - Website: [www.fscl.org.nz](http://www.fscl.org.nz) - Phone: 0800 347 257 --- ## Website Terms of Use / Privacy Policy > [Download a PDF copy of the Terms of Use](https://mhq.co.nz/wp-content/uploads/mortgagehq-website-terms-of-use.pdf) We value your trust and take the protection of your personal information very seriously. ### 1. Introduction Mortgagehq complies with the New Zealand Privacy Act 2020 (the Act) when dealing with personal information. Personal information is information about an identifiable individual (a natural person). This policy outlines how we will collect, use, disclose, and protect your personal information. This policy does not limit or exclude your rights under the Act. For further information contact our Privacy Officer at hello@mortgagehq.co.nz or visit [privacy.org.nz](http://www.privacy.org.nz). **These Terms were last updated on 7 November 2024.** ### 2. Changes to This Policy We may change this policy by uploading a revised policy onto the website. The change will apply from the date that we upload the revised policy. ### 3. What Is Personal Information? Personal information is information about an identifiable individual. It includes (but is not limited to) name, address, contact details, date of birth, occupations, payment details, employment history and/or details, education and qualifications, financial information, testimonials and feedback, evidence of source of funds or source of wealth (in some cases), and other information. ### 4. How We Use Your Personal Information We will use your personal information: - To verify your identity. - To provide services and products to you. - To market our services and other related hq-services — capitalhq Ltd (8931048) — and products to you, including contacting you electronically (e.g. by call, text, or email for this purpose). - To improve the services and products that we provide to you. - To respond to communications from you, including a complaint. - To protect and/or enforce our legal rights and interests, including defending any claim. - For any other purpose authorised by you or the Act. ### 5. Disclosing Your Personal Information Mortgagehq operates closely with capitalhq in sharing the same Customer Relationship Management system to improve the quality and roundness of service it provides. This means all companies have access to information stored by the others — though your data will not be used by the other organisations without your express consent. We may also disclose your personal information to: - Product providers (such as but not limited to lenders and insurance companies). - Any third party, whether in New Zealand, Australia, or elsewhere, who assists us in providing services or who performs functions on our behalf, including: - Email, marketing, advertising, and media partners - Technology partners - Other companies or individuals who perform compliance & regulatory reviews and audits (e.g. by our aggregator – Kiwi Adviser Network) - Courts, tribunals, and regulatory authorities (such as the Financial Markets Authority and the Ministry of Justice in New Zealand). - Office of the Ombudsman, where a complaint relates to official information. - Any person or agency we believe could assist in responding to a serious privacy breach. - Office of the New Zealand Privacy Commissioner, where a complaint relates to a breach of the Privacy Act 2020. - Other companies, agencies, or individuals that maintain databases against which your identity may be verified, including (but not limited to) the New Zealand Department of Internal Affairs and New Zealand Transport Agency. - Market research partners who help us collect your reviews and feedback and who analyse customer behaviour. - Advertising, social media, and search engine companies (like Google and Facebook) where we provide a limited amount of your information to help target paid advertising on their platforms. - Companies that provide data matching, insights, and analytics services. - Where necessary because we are selling one of our assets or businesses. - The Human Rights Commission, where a complaint relates to discrimination. - Where appropriate, CERT NZ, to assist with the management of a voluntarily notified privacy breach. - Overseas privacy regulator, where a complaint relates to the actions of an overseas agency. - Anyone else to whom you authorise us to disclose it. Except as described above, we will not disclose your personal information without your written or verbal consent, unless we are required to do so by applicable law. ### 6. Protecting Your Personal Information We will take reasonable steps to keep your personal information safe from loss, unauthorised activity, or other misuse. Our software is subject to audits to ensure it is continuing to meet security requirements. All data handled in our software is encrypted in transit and during storage and can only be accessed over secure network connections. ### 7. Storing Your Personal Information We will only retain personal information as long as it is required for the purposes for which the information may lawfully be used. All data stored online is backed up and can be retrieved in case of data loss or corruption. We operate predominantly with digital records. If physical records of information are provided to us, these will be digitised and physical copies will be destroyed immediately. ### 8. Accessing and Correcting Your Personal Information Subject to certain grounds for refusal set out in the Act, you have the right to access the readily retrievable personal information we hold and request a correction to your personal information. Before you exercise this right, we will need evidence to confirm that you are the individual to whom the personal information relates. If you want to exercise these rights, email us at hello@mortgagehq.co.nz. Your email should provide evidence of who you are and set out the details of your request. ### 9. Data Breaches Our Privacy Officer has processes and systems in place in the event of a data breach. If such an event occurs, we will promptly identify, report, and examine a personal data breach. ### 10. Internet Use While we take reasonable steps to maintain secure internet connections, if you provide us with personal information over the internet, the provision of that information is at your own risk. We use cookies to monitor your use of the website. You may disable cookies by changing the settings on your browser, although this may mean you cannot use all website features. We may use information about your use of our websites and other IT systems to prevent unauthorised access or attacks on our software, and may utilise services from one or more third-party suppliers to monitor the use of our systems. --- ## Linked Sub-Documents The following documents are referenced on this page but hosted separately: - [FAP Public Disclosure (PDF)](https://mhq.co.nz/wp-content/uploads/Stage-1-Publicly-Available-FAP-Disclosure.pdf) - [Complaints Information (PDF)](https://mhq.co.nz/wp-content/uploads/MHQ-2021-Complaints-Information.pdf) - [Disclosure Information – Stage 4 Complaints (PDF)](https://mhq.co.nz/wp-content/uploads/MHQ-2021-Disclosure-Information-Stage-4Complaints.pdf) - [Website Terms of Use (PDF)](https://mhq.co.nz/wp-content/uploads/mortgagehq-website-terms-of-use.pdf) --- ## https://financeadvisers.co.nz/api/provider/FSP468730/disclosure.md > _Markdown transcription of Finance New Zealand Limited's Public Disclosure Statement, version 2026-05-23. Source: https://financenz.co.nz/disclosure._ --- # Initial Disclosure ## For Finance New Zealand Limited Finance New Zealand Limited is primarily a provider of financial advice relating to commercial and business lending, asset finance, and equipment leasing. From time-to-time Finance New Zealand Limited and our advisers may provide a financial advice service (as defined by the Financial Markets Authority) being regulated financial advice in relation to consumer credit contracts – Home Loans (mortgages). This advice may be on a stand-alone basis (advice relating solely to Home Loans) or where Home Loans are offered as part of a wider business lending solution. --- ## Licensing Information Finance New Zealand Limited (FSP468730), trading as Finance New Zealand Limited, is a Financial Advice Provider (FAP) licensed and regulated by the Financial Markets Authority to provide financial advice. --- ## Nature and Scope of Advice Our advisers, acting on behalf of Finance New Zealand Limited, provide advice to our clients about Home Loans (mortgages) and commercial, business, asset finance, and equipment leasing funding requirements. We only provide financial advice about Home Loan products from certain Lenders. For consumer Home Loans we work with: - ANZ - ASB Bank - Avanti Finance - Basecorp Finance - BNZ - Kiwibank - Liberty Financial - Pepper Money - Westpac For commercial, business or asset finance lending products, and for equipment leasing we use a large number of bank, non-bank, and leasing company "Funding Partners". --- ## Conflicts of Interest and Incentives Finance New Zealand Limited may receive a commission from any Funding Partner. For Home Loans, Finance New Zealand Limited and the financial adviser receive commissions from the Lender. If you decide to take out the loan, the Lender will pay a commission to Finance New Zealand Limited. For Home Loans, the amount of the commission is based on the amount of the loan. This commission is typically a percentage of the loan value, and may be paid upfront, or as a combination of upfront and trailing commission paid over the life of the loan. The upfront commissions are between **0.55% and 0.90%** of the value of the Home Loan — the amount depends on which Home Loan provider and what type of Home Loan you choose. In addition, we may receive a trail commission of between **0.0% and 0.25%** of the remaining balance each year depending on which Home Loan provider is used. 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 undertake a compliance audit, and a review of our compliance program is undertaken annually by a reputable compliance adviser. --- ## Fees and Expenses ### Service Fee Finance New Zealand Limited may charge a fee for the financial advice provided to the client in certain circumstances. Whether a fee will be charged will be advised before the work is started and agreed in writing with the client. This fee will typically be charged where: - The services we will provide our client are advisory in nature and will not result in a commissionable transaction; or - The nature of work relating to the lending is particularly complex; or - Our client has requested that we complete work to obtain a finance approval for a transaction, and in the event that this transaction is not completed the finance approval does not result in a commissionable transaction; or - The lending is expected to be repaid within a short time period and thus will incur a full commission clawback. ### Clawback Recovery Fee In the event that a client repays a loan early, Finance New Zealand Limited may be required by a funding partner or Lender to refund all of or a portion of any commission paid to it. This is commonly referred to as a "Clawback". Finance New Zealand Limited may charge a client the amount of such refund in the event the Funding Partner or Lender charges Finance New Zealand Limited (the Clawback Recovery Fee). For commercial, business or asset finance lending products, and for equipment leasing, Finance New Zealand Limited may, at its discretion, require the client to indemnify Finance New Zealand Limited for the full amount of such refund. This Clawback Recovery Fee will be payable by the client either at the time the loan is early terminated, or by the 20th of the month after the loan is repaid. For Home Loans, an early repayment charge may be incurred where a client repays a Home Loan within the first **27 months** of the loan being advanced. To ensure that Finance New Zealand Limited is fairly compensated for the services originally provided to its clients, we may seek to recover some or all of this cost from clients via a clawback recovery fee. For Home Loans, if you are charged a clawback recovery fee, it will be charged at the lower of the actual commission clawback amount or **0.50% of the balance repaid**. Examples of when we may charge you a clawback recovery fee include: - The property is refinanced within the clawback period and Finance New Zealand Ltd was not given the opportunity to arrange the refinance. - The property is sold and/or the loan repaid within the clawback period. --- ## Complaints Handling and Dispute Resolution We aim to behave in a way that does not cause complaints. However, we have a complaints policy and internal complaints process to ensure the efficient and effective handling of client complaints. We want to demonstrate our commitment to providing and improving a high-quality service to our clients. We see complaints as an important part of our client feedback and business improvement process. ### Do you have a complaint? We aim to provide you with the highest quality service and support. But if you do have a complaint or encounter a problem, please let us know as soon as you can. Our complaints process aims to address your concerns. ### Step 1 – Let's Sort It Out Discuss your complaint with the person you've been dealing with and try to resolve it. 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 **seven working days**. 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. ### Step 2 – Review If your complaint is not resolved by Step 1, you can call, email or arrange to see our Managing Director **Simon Webster** by telephoning **027 817 9727**, or by emailing [simon.webster@financenz.co.nz](mailto:simon.webster@financenz.co.nz) or in writing to **PO Box 65154, Mairangi Bay, Auckland**. Simon will look into your complaint and give you a written response. ### Step 3 – Insurance & Financial Services Ombudsman Scheme ("IFSO Scheme") We are a participant of the Insurance & Financial Services Ombudsman Scheme ("IFSO Scheme"). You can refer your complaint to the IFSO Scheme if it has not been resolved after going through our complaints process. This is a free, independent dispute resolution service which will consider your complaint and, either reach an agreed outcome, or make a decision. You can contact the Insurance and Financial Services Ombudsman Scheme at: | | | |---|---| | **Address** | PO Box 10-845, Wellington 6143 | | **Telephone** | 0800 888 202 or 04 499 7612 | | **Email** | info@ifso.nz | --- ## Duties Information Finance New Zealand Limited, 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 isn't 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). --- ## Contact Details | | | |---|---| | **Trading Name** | Finance New Zealand Limited | | **Physical Address** | L11, BDO Tower, 19-21 Como Street, Takapuna, Auckland 0622 | | **Postal Address** | PO Box 65164, Mairangi Bay, Auckland 0754 | | **Phone** | 09 222 0320 | | **Email** | info@financenz.co.nz | --- ## https://financeadvisers.co.nz/api/provider/FSP472686/disclosure.md > _Markdown transcription of Mortgageme Financial Services Limited's Public Disclosure Statement, version 2026-05-23. Source: https://mortgageme.net.nz/files/mm_disclosure.pdf._ --- # LICENSING INFORMATION Link Financial Group 2022 Ltd (FSP1004590) holds a licence issued by the Financial Markets Authority to provide financial advice. Mortgageme Financial Services Ltd, T/A MortgageMe (FSP 472686) is authorised by that licence to provide financial advice. # CONTACT DETAILS Link Financial Group 2022 Ltd is the Financial Advice Provider. You can contact us at: Phone: 0800 466 784 Email: admin@lfg.co.nz Address: 1/1 Antares Place, Rosedale, Auckland # NATURE AND SCOPE OF ADVICE MortgageMe advisers provide advice about: - Personal insurance (risk), including health insurance. - Business Risk Insurance (Key Person, Shareholder Protection benefits, Business Overheads/Expenses) - ACC advice - Mortgages and personal lending - Determining how much you can afford to borrow to purchase a property (within lenders affordability guidelines). - Selecting an appropriate lender and mortgage structure. - How to structure your repayments to pay off your mortgage sooner - Structuring and refixing your current lending. We provide advice in relation to the following lending products: - Mortgages - Personal Loans - Tops ups - Fixed rate rollovers - Debt consolidation - Business loans We provide advice in relation to the following insurance products: - Life insurance - Trauma insurance - Total and permanent disability insurance - Income Protection insurance - Mortgage and household expenses cover - Health/medical insurance We provide advice in relation to products provided by the following companies: - ASB - ANZ - Westpac - BNZ - SBS Bank - Heartland Bank - The Cooperative Bank - Resimac - Peppermoney - First Mortgage Trust - Liberty - Avanti Finance - DBF Property Financiers - Unity - General Finance - Cressida Capital - Apricity Finance - Basecorp Finance - ASAP Finance - Zip Business - Strata Funding - Prospa - Gold Band Finance - Zagga - Bluestone - Southern Cross Partners - Heartland Bank - XE - Western Union - Asteron Life - Fidelity Life - Chubb - NIB # FEES AND EXPENSES ## Mortgage and lending planning fee - MortgageMe advisers are usually remunerated by way of commission, by the providers of the loan products we recommend. On occasion, some providers may not pay a commission. In this situation, we will charge a fee for our advice. The fee payable will be a reflection of the time required to obtain a loan approval for you. Where a fee will be payable for the advice, your MortgageMe adviser will agree the amount of the fee with you **prior to obtaining a lending approval**. This fee may be added to your loan amount and will be paid to MortgageMe at the time your loan is advanced. # CONFLICTS OF INTEREST **For life insurance and health insurance**, MortgageMe and the financial adviser receive commissions from the insurance companies whose policies we can recommend. If you decide to take out insurance that we recommend, the insurer will pay a commission to MortgageMe and/or the adviser who provides your advice. The amount of the commission is based on the amount of premium associated with your cover; specific commissions will be advised to you when advice is provided. **For mortgages and lending**, MortgageMe and the financial adviser receive commissions from some of the lenders we can provide recommendations for. If you proceed to implement lending with the lender recommended to you, the lender will pay a commission to your financial adviser. The amount of the commission is based on the amount of the lending; specific remuneration will be advised to you when advice is provided. 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 the client's interests above their own, we follow an advice process that ensures our personalised recommendations are made on the basis of the client's goals and circumstances, as advised to us. MortgageMe financial advisers complete regular training, including how to manage conflicts of interest. Each adviser has a regular compliance review of their advice process and our compliance programme is reviewed annually by our external compliance adviser. # DISPUTES AND COMPLAINTS If you are not satisfied with our financial advice service you can make a complaint by emailing admin@mmotago.co.nz, or by calling 03 471 5861. You can also write to us at: 155 Princes Street, Dunedin. When we receive a complaint, we will consider it using 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 cannot, 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). 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. You can contact FSCL by phone 0800 347 257 or email info@fscl.org.nz. # DUTIES INFORMATION MortgageMe, and anyone who gives financial advice on our behalf, has 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 (431K) - exercise care, diligence, and skill in providing you with advice (431L) - 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) (431I) - 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 https://www.fma.govt.nz. --- ## https://financeadvisers.co.nz/api/provider/FSP475806/disclosure.md > _Markdown transcription of Abbott Life And Health (2015) Limited's Public Disclosure Statement, version 2026-05-24. Source: https://abbott.co.nz/wp-content/uploads/2021/04/Financial-Advice-Provider-Disclosure-Statement-15-March-2021-1.pdf._ --- # Financial Advice Provider Disclosure Statement ## Licence status and conditions Abbott NZ Holdings Limited FSP704491 (Abbott, we, our), trading as Abbott Insurance Brokers and Abbott Life and Health, holds a licence issued by the Financial Markets Authority to provide financial advice. The Authorised Bodies under this licence are: - Abbott Insurance Brokers Auckland Ltd - Abbott Insurance Brokers Christchurch Ltd - Abbott Insurance Brokers Hamilton Ltd - Abbott Insurance Brokers Nelson Marlborough Ltd - Abbott Insurance Brokers Rangiora Ltd - Abbott Insurance Brokers Southern Ltd - Abbott Insurance Brokers Wellington Ltd - Abbott Life and Health (2015) Ltd - Abbott Management Ltd - Abbott Underwriting Agency Holdings Ltd - B & A Insurance Ltd - IC Frith Life & Health Ltd Our licence requires us to: - Keep records of all financial advice. - Have an internal process for resolving client complaints. - Comply with all financial markets conduct regulations, such as disclosing information to clients and reporting to regulatory authorities. ## Nature and scope of advice We engage financial advisers under our Authorised Bodies to provide financial advice on the following: - General insurance (commercial assets and liabilities and personal assets and liabilities) - Life and health insurance - KiwiSaver - Investments - Retirement planning - Mortgage and lending planning ### General insurance General insurance policies insure your personal or business assets, business income, and your personal and business liabilities. We have access to most insurance markets in New Zealand (excluding insurers that do not accept insurance through insurance brokers), along with access to overseas markets as required. The specific types of general insurance individual advisers can advise on may vary. ### Life and health insurance Life and health policies insure you as an individual, personally and within your business, for death, accident or illness. This is to help protect you, your business and family e.g. your ability to service any debt, provide funds for your estate, gain access to medical treatment or take time off work, and protect your business and your personal income. We have access to the major insurers in the New Zealand market. We can provide advice in relation to the following life and health insurance products. - ACC CoverPlus Extra - Accidental Death - Business Expenses - Debt Protection - Group Medical Insurance - Group Risk Insurance - Income Protection - Life Cover - Loss of Key Person/Loss of Revenue - Mortgage Protection - Private Medical Cover - Redundancy - Shareholders Cover - Terminal Illness - Total & Permanent Disability - Trauma Cover/Severity Based Trauma Covers - Waiver of Premium The specific types of life and health insurance individual advisers can advise on may vary. ### Investments, KiwiSaver and lending KiwiSaver helps you accumulate funds for a deposit on your first home and/or build funds for your retirement. Longer term investing helps you build a diversified portfolio to achieve your financial goals or retirement. Lending helps you with the purchase of property and assets. We have access to the main banks and second tier lenders. We can provide advice in relation to the following investment and lending products. - Car loans - Commercial loans - Extended vehicle warranty products - Home loans - Investments - KiwiSaver - Personal loans - SimpleWills The specific types of products individual advisers can advise on may vary. ## Fees and expenses ### General insurance If you take our advice and we place insurance on your behalf, we may charge a fee for implementing that advice and to maintain a high level of service to you throughout the policy period. A documentation fee will be included in your policy charge. The amount of any fee will be disclosed when we provide advice to you. There is no cost to you if you choose not to take our advice. ### Life and health insurance We receive commission from the providers of products we recommend but, on occasion, some providers may not pay a commission. In this situation, we may charge fees. If a fee will apply to the advice we provide, we will advise you before providing any advice so you may choose whether you wish to proceed on that basis. ### KiwiSaver and lending The following service fees apply. - KiwiSaver membership fees are paid to Abbott NZ Holding Limited by provider. - Fees can be added to your loan amount and will be paid to Abbott at the time your loan is advanced. ## Conflicts of interest and commissions or other incentives We manage all conflicts of interest, ensuring our financial advisers prioritise your interests above their own by following an advice process that ensures our recommendations are made on the basis of your needs and circumstances. All of our financial advisers complete training to understand and manage conflicts of interest. We maintain a register of conflicts of interests and any gifts and other incentives that we may receive. We review our compliance programme annually. ### General insurance We will receive commission from the insurance companies on whose policies we give advice. If you decide to take out a policy, the insurer will pay us commission based on the premium that you pay. We are a member of Steadfast NZ Limited (Steadfast). Steadfast supplies technology platforms, management, marketing, professional, technical, and buying benefits and services to support us in providing our financial advice services. Steadfast has arrangements with insurance companies under which Steadfast receives a professional services fee of up to 1.5% of the premium paid for each policy arranged by us with those insurers. These payments are used to operate Steadfast. A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute, including in respect of liability. In this instance the adviser would clearly disclose the conflict of interest to the clients and would refer one of these clients to another of our financial advisers for further advice and assistance. ### Premium funding Premium funding enables you to pay the insurance premium over the term of your policy by instalments rather than as one amount. Premium funders charge interest, and they take a power of attorney over your insurance policy, which means they have the ability to cancel your insurance policy if you fail to pay an instalment. We own the following premium funding companies, Abbott Premium Funding Company Limited and Endeavour Premium Finance Limited. Our premium funding companies may advance your premium allowing you to spread the payments over the term of your policy. If you enter into a premium funding arrangement with either of our companies, we will receive an interest component as disclosed in your premium funding documentation, and as per our disclosure obligations under the Credit Contracts Act. ### Life and health insurance We receive commission from the insurance companies whose policies we recommend. If you decide to take out the insurance we recommend, the insurer will pay commission to Abbott and/or the financial adviser who provider the advice. The amount of commission is based on the amount of premium associated with the insurance, which will be disclosed when the advice is given. ### Mortgages and lending We receive commission from some of the lenders we can provide mortgage recommendations for. If you proceed to implement the lending with the lender recommended to you, the lender will pay a commission to your financial adviser. The amount of the commission is based on the amount of the lending and specific remuneration will be advised to you when the advice is provided. ## Complaints process and dispute resolution ### Internal complaints process If you have a problem, concern or complaint about our service, please tell us so that we can try to put things right. Our contact details are: - complaints@abbott.co.nz - 0800 238 473 - Abbott Feedback, PO Box 3086, Christchurch 8140 Our internal complaints process is as follows: - We will consider your complaint and let you know how we intend to resolve it. We may need to contact you for additional information. - We aim to resolve complaints within 20 business days of receiving them. If we cannot resolve the issue, 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. ### Dispute resolution If you feel we have not resolved your complaint satisfactorily despite our best efforts, you may refer your complaint to Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service. FSCL is our independent external ombudsman and dispute resolution service that has been approved by the Minister of Consumer Affairs under the Financial Service Providers (Registration and Dispute Resolution) Act 2088. FSCL's service is free of charge to you. The contact details for FSCL are: Financial Services Complaints Limited (FSCL) PO Box 5967, Wellington 6145 0800 347 257 complaints@fscl.org.nz www.fscl.org.nz ## Duties information Our financial advisers have duties under the Financial Markets Conduct Act 2013 relating to the way we give advice. We are bound to: - Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice. - Give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice. - Exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances. - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. ## Contact details 128 Kilmore Street, Christchurch 8013 PO Box 3086, Christchurch 8140 0800 238 473 enquiries@abbott.co.nz --- ## https://financeadvisers.co.nz/api/provider/FSP480627/disclosure.md > _Markdown transcription of Nz Home Loans (whangarei South) Limited's Public Disclosure Statement, version 2026-05-24. Source: https://nzhl.co.nz/disclosure-statement/._ --- # Financial Advice Provider Disclosure Statement ## Licensing Information The New Zealand Home Loan Company Limited (**NZHL**, **we**, **us**) (FSP30301) holds a licence issued by the Financial Markets Authority to provide a financial advice service. NZHL also operates via franchises (**Franchises**) which are authorised under NZHL's licence to provide financial advice services. This disclosure statement relates to both NZHL and its Franchises. The NZHL financial advisers work for us or relevant Franchises. NZHL operates from two locations: 2/30 Ponsonby Road, Auckland, 1011 and L1, 903 Victoria Street, Hamilton, 3204. Contact us via email at [email protected] or call us on 0800 332 837. You can find information on the Franchises, their locations and how to contact them on the NZHL website. --- ## Scope of Advice / Products NZHL and our Franchises provide financial advice services through our advisers on the products of the following lenders and insurers. - **Loans –** New Zealand Home Loan products (provided by Kiwibank), ASB Bank, and Liberty Financial. - **Insurance –** personal insurance from NZHL Life (provided by Fidelity Life), Fidelity Life, AIA, nib, and Partners Life. The disclosure statements of a financial adviser you meet with will list the products they can advise on. --- ## Fees and Charges We do not charge anything when you come to us for consultation. For home loans we charge an application fee for new mortgage finance and for additional mortgage finance where the mortgage finance is approved and settled. There is no application fee for Insurance products. **Home Loan Clawback:** We may be required to repay (in part or in full) the commission we receive from the lender in relation to your loan, if you repay or refinance your loan (in part or in full) within the first 24 months of your loan being advanced. We may charge you a fee to recover the value of that amount, up to a specified limit. **Insurance Clawback:** We may be required to repay (in part or in full) the commission we receive from the insurer in relation to insurance you take out, if you cancel, reduce, or replace an insurance policy (or if the insurer cancels an insurance policy) within the first 24 months of the policy being issued. We may charge you a fee to recover the value of that amount, up to a specified limit. --- ## Commission Disclosures **Loan:** Once your loan settles, NZHL will receive commission from the lender. The commission varies depending on the type of loan and the loan amount. This commission is shared with the Franchise and may be shared with your financial adviser. NZHL and the Franchise may continue to be paid an annual servicing commission for as long as your lending is active with NZHL. **Insurance:** Once your insurance policy is issued, NZHL receives commission from the insurer. The commission amount is based on the premium for the first year of your policy and depends on the insurance provider and the policy you choose. This commission is shared with the Franchise and may be shared with your financial adviser. NZHL and the Franchise will continue to be paid an annual servicing commission for as long as you hold the policy with the insurer. To manage those conflicts of interest, NZHL advisers select the loan or insurance provider based only on your needs and circumstances. They follow NZHL's advice process to ensure the advice is tailored to your individual needs. NZHL also provides regular training on how advisers can best manage any conflict of interest to ensure your needs are prioritised. --- ## Conflicts of Interest - NZHL is owned by Kiwi Group Capital Limited (**KGC**). KGC also owns Kiwibank Limited who are a home loan provider for NZHL. - NZHL owns NZHL Mortgage Advisory Limited who you may be referred to by us, a Franchise, or a financial adviser. - NZHL also has a majority shareholding in Link Financial Group 2022 Limited. Link Financial Group 2022 Limited has a majority shareholding in Insurance Link General Limited ("FG Link") who you may be referred to by us, a Franchise, or a financial adviser. - The Franchises are companies and operate as part of the NZHL network. They are not owned by KGC. To manage those conflicts of interest, NZHL advisers select the loan or insurance provider based only on your needs and circumstances. They follow NZHL's advice process to ensure the advice is tailored to your individual needs. NZHL also provides regular training on how advisers can best manage any conflict of interest to ensure your needs are prioritised. --- ## Ownership Disclosure NZHL is owned by **Kiwi Group Capital Limited (KGC)**. KGC also owns Kiwibank Limited. NZHL owns **NZHL Mortgage Advisory Limited**. NZHL holds a majority shareholding in **Link Financial Group 2022 Limited**, which in turn holds a majority shareholding in **Insurance Link General Limited ("FG Link")**. --- ## Complaints and Dispute Resolution Process Your feedback is very important to us. NZHL has a three-stage complaints process: 1. **Start with your NZHL Franchise –** If you have a problem or concern, please talk to your financial adviser or the Franchise they work for. The Franchise will acknowledge your complaint within 2 working days and outline the next steps, with the aim of making a final decision within 10 working days of receiving your complaint. 2. **Escalate to NZHL Support Office –** If you are not happy with how your NZHL Franchise has proposed to resolve or handled your complaint, you can complete the NZHL complaints form, email [email protected], or call 0800 332 837. NZHL (as the licensed Financial Advice Provider) will review your complaint and endeavour to find a resolution. NZHL will acknowledge your complaint within 2 working days and aims to make a final decision within 10 working days of receiving your complaint. 3. **External Dispute Resolution –** If you are still not happy with the resolution or the way your complaint was handled, you can refer your complaint to NZHL's nominated disputes resolution service: **Financial Services Complaints Limited (FSCL)** FSCL is a Financial Ombudsman Service and is **free** for NZHL and Franchise clients. - Website: [www.fscl.org.nz](http://www.fscl.org.nz/) - Phone: 0800 347 257 - Email: [email protected] - Post: Financial Services Complaints Limited, PO Box 5967, Wellington 6140 --- ## Duties and Obligations NZHL, the Franchises, and anyone who gives financial advice on their behalf, have duties under the Financial Markets Conduct Act 2013 relating to that advice. They are required to: - Give priority to your interests by taking all reasonable steps to make sure our advice isn't 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) --- *Note: The disclosure statements of individual financial advisers you meet with will list the specific products they can advise on. Individual adviser disclosure sub-documents are referenced but not reproduced here.* --- ## https://financeadvisers.co.nz/api/provider/FSP489726/disclosure.md > _Markdown transcription of Advice 4 Life Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.advice4life.co.nz/important-information/._ --- # Advice4Life Important Information ## Licence Status and Who We Are Advice4Life Limited (FSP489726, trading as Advice4Life Limited) holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice. Advice4Life Wealth Limited (FSP1011795, trading as Advice4Life Limited) is authorised to provide financial advice under our licence. --- ## Nature and Scope of Our Advice Our financial advisers can provide advice to our clients on: ### Life and Health Insurance - Life cover - Trauma/critical illness cover - Income protection - Medical/health insurance ### Business Insurance - Key person cover - Shareholder protection - Business continuity cover ### General Insurance - House and contents - Motor vehicle ### Home Loans - New lending - Refinancing - Refixing - Top-ups ### KiwiSaver Advice Choosing and reviewing your KiwiSaver provider ### Investments - Managed funds - Investment portfolios - KiwiSaver schemes - Long-term wealth creation - Your existing investments --- ## Product Providers We Work With We have access to a wide range of providers. We will only recommend products that meet your goals and circumstances. ### Life and Health Insurance Providers - AIA New Zealand Limited - Asteron Life Limited - Chubb Life Limited - Fidelity Life Assurance Company Limited - Partners Life Limited - UniMed Insurance Limited - nib New Zealand Limited - Southern Cross Medical Society ### Fire & General Insurance Partners - AON Stylecover - Blanket Insurance ### Lenders - ANZ Bank New Zealand Limited - Avanti Finance Limited - Bank of New Zealand (BNZ) - The Co-operative Bank Limited - Kiwibank Limited - Liberty Financial Limited - Pepper Money New Zealand Limited - Prospa New Zealand Limited - SBS Bank Limited - Unity Bank Limited - Westpac New Zealand Limited ### Managed Fund and KiwiSaver Scheme Providers - ANZ New Zealand Investments Limited - Booster Investment Management Limited - Generate Investment Management Limited - Milford Asset Management Limited - Pathfinder Asset Management Limited (for KiwiSaver only) ### Investment Providers We give financial advice on regulated managed investment products, including: - Managed funds offered by licensed New Zealand fund managers - KiwiSaver scheme providers The specific funds or portfolios we recommend will depend on your goals, timeframe and risk profile. --- ## What We Take Into Account Any advice we provide will be based on the information you give us about your needs, financial situation and goals. We are **not** legal or tax specialists. If you need legal or tax advice, we recommend speaking with a qualified professional. --- ## Our Duties Under the Financial Markets Conduct Act 2013, we and anyone giving financial advice on our behalf must: - Act in your interests and take all reasonable steps to ensure our advice is not influenced by our own interests - Exercise care, diligence and skill - Meet the competence, knowledge and skill standards set by the Code of Professional Conduct for Financial Advice Services - Meet the ethical behaviour, conduct and client care standards in the Code You can read the full Code of Conduct on the FMA website: [www.fma.govt.nz](http://www.fma.govt.nz/) --- ## Fees, Expenses and How We Are Paid In many cases, our financial advice service is free to you. Instead, we receive commission from the product providers we work with. This may include: - Upfront commission - Ongoing commission/trail - Fixed fees depending on the product The amount depends on your insurance premium, loan amount, KiwiSaver balance or investment amount. ### When Fees May Be Charged We may charge a fee if a client cancels a life or health insurance policy or home loan within two years of it starting. If this does apply to you, we'll let you know. The fee will be invoiced and payable by the 20th of the month following cancellation. ### Fees for Investment Advice We charge for advice at the hourly rate of **$300 plus GST**, including the initial consultation. The fee charged will depend on the nature and scope of the advice or service we provide for you. There is a cost for our financial planning advice and to implement any investment advice. We will outline the estimated cost in a letter of engagement and agree the fees with you before we proceed. For some managed funds and KiwiSaver schemes, we are paid a commission by the provider and in those cases there is no charge for our advice. Clients who choose our investment management service are charged a **retainer fee** which covers investment monitoring, administration and reporting. This also covers on-going review of your financial situation. The cost is expressed as a percentage of funds under management. --- ## How We Manage Any Conflicts of Interest or Other Incentives 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, sponsor our training or other incentives. To ensure our recommendations always put your interests first: - We follow a documented advice process focused on your goals - Our advisers receive annual training on managing conflicts of interest - We maintain registers of conflicts, gifts and incentives which Advice4Life monitors - We complete regular quality assurance reviews, including an independent external compliance review --- ## What to Do If You Have a Complaint If you're not satisfied with our financial advice service you can make a complaint by: - **Email:** info@advice4life.co.nz - **Phone:** 0508 44 00 44 - **Post:** Advice4Life Limited, PO Box 1442, Hamilton, 3240 ### If You're Still Not Satisfied If we can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact our disputes resolution scheme. **The Insurance & Financial Services Ombudsman (IFSO)** provides a free, independent dispute resolution service that may help investigate or resolve your complaint. Further information on our internal complaints process and disputes resolution provider is available on our [complaint process page](https://www.advice4life.co.nz/complaints). --- ## How to Contact Us **Advice4Life Limited (FSP489726)** — Licensed Financial Advice Provider - **Address:** Level 5, 11 Garden Place, Hamilton, 3280 - **Phone:** 0508 44 00 44 - **Email:** info@advice4life.co.nz - **Website:** www.advice4life.co.nz --- *Note: The website references a separate [complaints process page](https://www.advice4life.co.nz/complaints) and a [privacy policy](https://www.advice4life.co.nz/privacy-policy/) as linked sub-documents. Content of those pages is not reproduced here.* --- ## https://financeadvisers.co.nz/api/provider/FSP496246/disclosure.md > _Markdown transcription of Imsure Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.imsure.co.nz/._ --- This page is the imsure Insurance Advisers **home page** and does not contain the Public Disclosure Statement content. The disclosure statement is located at a separate URL referenced on this page. --- ## Linked Sub-Documents - **Disclosure Statement:** [https://www.imsure.co.nz/disclosure-statement/](https://www.imsure.co.nz/disclosure-statement/) > The disclosure content was not present on this page. Please provide the HTML from the above URL to extract the FAP Public Disclosure Statement in Markdown format. --- ## https://financeadvisers.co.nz/api/provider/FSP502166/disclosure.md > _Markdown transcription of Devere New Zealand Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.devere-newzealand.nz/disclosure-information._ --- # Financial Advice Provider Disclosure Statement ## Important information about deVere New Zealand Limited --- ## Licensing Information deVere New Zealand Limited FSP502166 **(deVere NZ, we, us)** holds a financial advice provider licence issued by the Financial Markets Authority. This licence enables us to provide financial advice to clients on behalf of deVere NZ, or through one or more of our financial advisers. This disclosure statement relates to the services that both deVere NZ and the financial advisers that work for us provide to customers. deVere NZ operates from its Takapuna premises on Level 1, 1 The Strand, Takapuna, Auckland. **Email:** info@devere-newzealand.nz **Phone:** 09 489 6380 --- ## Nature and Scope of Financial Advice Service deVere NZ and its financial advisers provide financial advice services (including UK pension transfers) directly to you on the following products: - **Qualifying Recognised Overseas Pension Scheme (QROPS)** – Booster Investment Management Limited, Britannia Financial Services Limited, i-Select Limited, IVCM Trustees (NZ) Limited, Lifetime Asset Management Limited, and Saturn Invest NZ Limited (Saturn). - **Institutions for Occupational Retirement Provision (IORPS)** – ITC International Pensions Limited. - **Self-Invested Personal Pension (SIPP)** – UK Pension transfers into products with Morningstar Inc (Morningstar), Hansard International, Providence Life Limited, RL360 Insurance Company Limited, Invinitive Financial UK Limited, Pathlines Pensions UK and Alltrust. - **KiwiSaver and Managed Investment Schemes** – KiwiSaver and managed investment schemes with Booster Investment Management Limited, Lifetime Asset Management Limited, Fisher Funds Management Limited, Milford Asset Management Limited, Generate Investment Management Limited, and Pathfinder Asset Management. - **Other Investments** – Morningstar, Saturn, Finzo NZ Limited, NZX Wealth Technologies Limited and dVAM Limited (some of the SIPP providers listed above also offer investment facilities). - **Life and Health Insurance** – Insurance products with AIA Group, Asteron Life, NIB Health Funds, and Partners Life Limited. **The disclosure statement of the financial adviser(s) you meet with will list the products they can advise on.** --- ## How We Operate To ensure that our financial advisers prioritise the client's interests above their own, we follow an internationally recognised professional advice process to ensure our recommendations are based on the client's goals and circumstances. --- ## What Do We Charge Our Clients? We may not charge anything when you come to us for a consultation, particularly if it is not in your best interests to proceed with deVere NZ's financial advice services. For example, if during a consultation on transferring a UK Pension it appears that it is in your interests not to transfer your UK pension to New Zealand (or to a UK SIPP), then you will not be charged for any deVere NZ financial advice. **Financial adviser fee:** Pension providers will deduct this one-off fee out of your Pension on transfer, which will be paid to deVere NZ by the new QROPS/SIPP/IORPS provider. This fee covers the financial advice provided to you and the work required to facilitate the transfer of your pension. This fee varies between products and will be outlined in detail in your statement of advice (SOA). **Service fees** are paid to deVere NZ to provide you with ongoing financial advice, valuation reports and service from deVere NZ. Service fees are calculated as a percentage of funds you hold with the provider. The service fee will be disclosed in deVere NZ Financial Adviser's SOA as an annual percentage of the funds held and deducted and paid to deVere NZ monthly by the product provider. **Investment advice** that is provided and implemented may incur an investment advice fee. This one-off fee will be based on the value of your investments. Any investment advice fee charged will be disclosed in your SOA and will either be deducted by the investment provider and paid to deVere New Zealand with your signed authority or invoiced to you directly by deVere New Zealand. --- ## Reliability History On 31 May 2024, the Financial Markets Authority (FMA) issued a Notice of Decision to Censure and Require an Action Plan (Notice) to deVere New Zealand Limited (deVere NZ). The FMA considered that deVere had contravened the following market services licensee obligations: - Financial Advice Provider Standard Condition 1 (Record Keeping) - Code of Professional Conduct for Financial Adviser Services – Code Standard 3 (give financial advice that is suitable) - Code of Professional Conduct for Financial Adviser Services – Code Standard 4 (ensure that the client understands the financial advice) - s431J Financial Markets Conduct Act 2013 (duty to ensure the client understands the nature and scope of the advice); and - s431L Financial Markets Conduct Act 2013 (duty to exercise care, diligence, and skill) deVere NZ is required to include details of this censure in its disclosure information, pursuant to the requirements of the Financial Markets Conduct Regulations 2014. The FMA's decision to issue the Notice followed its review of certain UK Pension transfers to a UK regulatory approved platform. deVere NZ accepts that its record-keeping processes in relation to these UK Pension transfers did not meet the record keeping standards required under the Financial Markets Conduct Act 2013. Since April 2022, deVere NZ has engaged in considerable compliance uplift and deVere continues to do so voluntarily and through its Action Plan across its client base, to ensure that the FMA is satisfied that the records of its advice are fulsome and clear. deVere NZ and its financial advisers remain committed to working in clients' best interests, providing the best solution to meet their goals, and ensuring record keeping exceeds regulatory expectations. --- ## Conflicts of Interest We take any perceived or real conflicts of interest very seriously and have a dedicated policy for dealing with such issues whereby we avoid, disclose and/or manage any conflicts so that our client's interests are placed first and foremost. To manage any conflicts, deVere NZ advisers select the product and provider based only on your needs and circumstances, they follow the advice operating process described above (under "How we operate") and all our advisers undergo annual training about how to manage any potential conflicts of interest. **dVAM Limited (dVAM):** There is a relationship between dVAM and deVere NZ, both of which are part of the deVere Group. As a result of this relationship there is a potential conflict of interest with the dVAM funds we offer. However, deVere NZ do not receive any additional commission, payment, or other financial benefit from dVAM or the deVere Group when a client invests in the dVAM funds, nor do our financial advisers. **IVCM Trustees (NZ) Limited (IVCM)** has a relationship with Nigel Green, the CEO and founder of deVere Group. Nigel is a shareholder in this company. However, neither deVere NZ nor our financial advisers receive any additional commission, payment, or other financial benefit from IVCM or the deVere Group if you invest in any of their funds. Any fees paid by you out of your investments through dVAM or IVCM (as a product provider) are disclosed as we would with our other product providers. --- ## Our Duties and Obligations deVere NZ and anyone who gives financial advice on our behalf have duties under the Financial Markets Conduct Act 2013 and its associated regulations 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 isn't 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: [https://www.fma.govt.nz](https://www.fma.govt.nz) --- ## Complaints Handling and Dispute Resolution If you are not satisfied with our financial advice service, you can make a complaint by emailing complaints@devere-newzealand.nz or by calling **09 489 6380**. You can also write to us at: Level 1, 1 The Strand PO Box 33916 Takapuna Auckland 0622 New Zealand When we receive a complaint, we will acknowledge your complaint within 2 working days. To seriously consider all aspects of your complaint, we may need to contact you to get further information about the service or lack of service you received. We aim to resolve complaints as quickly as possible and will keep you updated throughout the process, including if we need more time to consider your complaint. We will contact you by phone or email to let you know our findings and how we intend to resolve your complaint. If you are not satisfied with the resolution or how your complaint was handled by deVere NZ internal complaints process, you can contact the independent dispute resolution provider, **Financial Services Complaints Limited (FSCL)**. FSCL is a free and independent financial ombudsman service. This service may help investigate or resolve your complaint to your satisfaction. You can contact FSCL by: - **Phone:** 0800 347 257 - **Email:** complaints@fscl.org.nz - **Post:** Financial Services Complaints Limited, P O Box 5967, Wellington 6140 --- ## Ask Us – We Are Here to Help We welcome any questions or queries you have in relation to this important information including if you would like to receive this disclosure in writing. More importantly, we look forward to working with you. **Phone:** 09 489 6380 **Email:** info@devere-newzealand.nz --- *Note: Individual financial adviser disclosure statements are provided separately and list the specific products each adviser is authorised to advise on. The disclosure statement of the financial adviser(s) you meet with will list the products they can advise on.* --- ## https://financeadvisers.co.nz/api/provider/FSP508046/disclosure.md > _Markdown transcription of Prestige Insurance Broker Services Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.prestigeinsurance.co.nz/disclosure._ --- # Prestige Insurance Broker Services Limited — Public Disclosure Statement --- ## Disclosure Information The following information provides you with an important overview of Prestige Insurance Broker Services Limited, our duties to you, fees, and how we manage complaints. --- ## Licence Status and Conditions Prestige Insurance Broker Services Limited, **FSP508046**, trading as **Prestige Insurance**, holds a financial advice provider licence issued by the Financial Markets Authority. --- ## Nature and Scope of Advice Prestige Insurance provides advice to clients about their general insurance needs. Our financial advisers provide financial advice in relation to: ### Domestic General Insurance - House - Contents - Landlords - Motor Vehicle - Boat Insurance ### Commercial General Insurance - Commercial Property - Business Interruption - Commercial Motor - Marine - Liability - Professional Indemnity - Cyber Insurance ### Life and Disability Insurance - Life - Medical - Commercial Group Schemes - Key Person - Debt Protection - Total and Permanent Disability When providing our advice, we access a wide range of general insurance products from various general insurance providers in both the local and overseas market. --- ## Fees, Expenses, or Other Amounts Payable We may charge a fee for the advice given to you and for implementing that advice. If a fee is charged, it will be based on the amount of work and time required to provide and implement our advice and will be shown on our invoice to you, payable on payment of your premium. The amount of any fee will be disclosed either at the time we know the scope and nature of the advice required or when we provide our advice to you. Premium funding products enable you to pay the insurance premium over the term of your policy by instalments rather than as one amount. Premium funders charge interest and take a power of attorney over your insurance policy, which means they may cancel your insurance policy if you fail to pay an instalment. If you enter into such an arrangement, the premium funder may pay us a commission as a percentage of the amount they fund. The amount of this commission will be disclosed to you when we know the scope and nature of the advice required and whether you intend to use the services of a particular premium funder. --- ## Conflicts of Interest, Commissions, or Other Incentives Prestige Insurance will receive commission from the insurance companies on whose policies we give advice. If you decide to take out a policy, the insurer will pay us commission based on the premium that you pay. We are a member of **Steadfast NZ Limited**. Steadfast supplies technology platforms, management, marketing, professional, technical, and buying benefits and services to support us in providing our financial advice services. A financial adviser may have a conflict of interest where financial advice has been provided to two clients who later have a dispute, including in respect of liability. In this situation, the adviser would clearly disclose the conflict of interest and refer one client to another of our financial advisers for further advice and assistance. We manage conflicts of interest by ensuring our financial advisers prioritise your interests above their own. We follow an advice process that ensures our recommendations are made based on your needs and circumstances. Our financial advisers complete training to understand and manage conflicts of interest. We maintain a register of conflicts of interest and any gifts or incentives we may receive, and we review our compliance programme annually. --- ## Complaints and Disputes Process If you are not fully satisfied with the services provided by Prestige Insurance, please contact your financial adviser or Prestige Insurance directly. Prestige Insurance's complaints officer will formally acknowledge your complaint in writing and will endeavour to resolve your complaint fairly and in a timely manner. For further details, see the complaints handling process at: --- ## Duties Prestige Insurance and our financial advisers are bound by the following duties under the **Financial Markets Conduct Act 2013** to: - Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services. - Give priority to your interests by taking all reasonable steps to ensure the advice given is not materially influenced by our own interests or the interests of any other person connected with the advice. - Exercise care, diligence, and skill that a prudent person engaged in giving related financial advice would exercise in the same circumstances. - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct. --- ## Contact Details **Prestige Insurance Broker Services Limited** [FSP508046] Holds a financial advice provider licence issued by the Financial Markets Authority. | | | |---|---| | **Phone** | 09 275 5888 | | **Email** | compliance@prestigeinsurance.co.nz | | **Address** | 31 Aintree Avenue, Māngere, Auckland 2022 | --- ## Downloadable Disclosure Document [Download Prestige Insurance Disclosure (PDF)](https://www.prestigeinsurance.co.nz/wp-content/uploads/2026/05/Prestige-Insurance-Disclosure.pdf) --- *© 2026 Prestige Insurance Broker Services Limited. All Rights Reserved.* --- ## https://financeadvisers.co.nz/api/provider/FSP509126/disclosure.md > _Markdown transcription of Visavis Financial Limited's Public Disclosure Statement, version 2026-05-23. Source: https://innovest.co.nz/wp-content/uploads/2025/03/Innovest-Disclouser.pdf._ --- # INNOVEST Financial Advice Provider Disclosure Statement ## Our Details **Financial Advice Provider:** Visavis Financial Ltd (FSP 509126), trading as INNOVEST **Email:** enquiries@innovest.co.nz **Phone:** +64 9 280 4700 / 0508 466 683 **Address:** 30 O'Rorke Rd, Penrose, Auckland **Post:** PO Box 7003, Victoria St West, Auckland 1142 **Website:** www.innovest.co.nz Visavis Financial Ltd (INNOVEST) has been granted a Class 2 Financial Advice Provider Licence by the Financial Markets Authority. ## What sort of advisers are we? INNOVEST provides advice to our clients about their mortgages, personal loans, life insurance, health insurance, and KiwiSaver. Our financial advisers provide financial advice in relation to these financial advice products. We only provide financial advice about products from certain providers. ### For mortgages, we work with the following lenders ANZ, ASB, BNZ, Westpac, Go Home Loans (formerly Sovereign Home Loans), The Co-operative Bank, TSB, DBR Finance, Avanti Finance, SBS, Resimac, Liberty Finance, Asset Finance, Basecorp, Goldband Finance, Prospa, Select Finance, Bluestone, First Mortgage Trust, ASAP Finance, Unity (NZCU Baywide), Cressida Capital, Southern Cross, Kiwibank ### For life insurance, we work with the following insurers AIA, Asteron, Chubb Life, Fidelity Life, Partners Life ### For health insurance, we work with the following insurers Accuro, AIA, NIB, Partners Life ### For KiwiSaver, we work with the following providers Generate, NZFunds, Booster ### For personal loan and car loan, we work with the following provider GEM Latitude, Oxford, Finance Now ### For other products such as Fire & General Insurance, Managed Funds, and Money Transfer services We may refer you to the following service providers. For these types of services, we may receive an upfront commission only, a trail commission only, or both. These fees are paid to us by the service provider and are outlined under Our Fees section below. These service providers will have their own advisers who can give general advice on their products or refer you to an adviser who can provide in-depth advice if required. #### For fire and general insurance and business insurance, we may refer you to the following insurers - AON Stylecover, Tower, AON CPF Business Insurance, Blanket, Abbott #### For Managed Funds - Generate and NZFunds #### For money transfer service, we may refer you to the following provider - OFX #### For personal loan and car loan, we may refer you to the following provider - Better Finance, GEM Latitude, Oxford, and Finance Now #### For pet insurance, we may refer you to the following provider - Petcover ## What should you do if something goes wrong? We are always looking for ways to improve our service to you. If something has gone wrong, we want to know. Please send an email to complaints@innovest.co.nz and tell us what has happened and how we can resolve matters. If you have any documents or correspondence that will help us understand your complaint, please attach them to the email. When we receive your complaint, we will: - acknowledge your complaint within 1-2 working days - gather and evaluate information about your complaint - respond to you within 20 working days. If we cannot agree on how to resolve the complaint, you can contact Financial Services Complaints Limited (FSCL). FSCL are an independent, not-for-profit, external dispute resolution scheme approved by the Minister of Consumer Affairs. FSCL's service does not cost you anything and they will help resolve the complaint. You can contact FSCL: - by calling 0800 347 257 - by emailing complaints@fscl.org.nz - through FSCL's website: www.fscl.org.nz - writing to: FSCL, PO Box 5967, WELLINGTON 6011 ## How we are regulated by the Government You can check that we are a registered Financial Advice Provider at www.fspr.govt.nz. The Financial Markets Authority regulates financial advisers. Contact the Financial Markets Authority for more information, including financial tips and warnings. You can report information or complain about my conduct to the Financial Markets Authority, but in the event of a disagreement, you may choose to first use the dispute resolution procedures described above (under "What should you do if something goes wrong?"). ## Our fees As Financial Advisers, we are usually paid by the Provider that you choose to use. On some occasions we are not paid directly, and therefore may invoice you directly for our services. In these events, you will be notified in advance, and asked to confirm your acceptance of the fee(s) prior to our commencing work on your behalf. There will be no charges for any work not previously discussed and agreed upon. In situations where we are not giving advice, but instead referring your business to an external provider, we may be paid the following fees. | Product | Upfront | Renewal | |---------|---------|---------| | AON – Fire & General Insurance | 15% of company premium | 15% of company premium | | Tower – Fire & General Insurance | 10% of company premium | 5% of company premium | | Blanket – Fire & General Insurance | 6.25% of company premium | | | AON – Business Insurance | 20% of net broker commission | | | Abbott | 20% of net broker commission | | | Personal Loans | Up to 3% of loan amount | | | Car Loans | Up to 4% of loan amount | | | OFX | 20% of company gross revenue | | | Managed Funds | | 0.125% of the account balance | ## Conflicts of Interest and Incentives For life insurance and health insurance, INNOVEST and the financial adviser receive commissions from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to INNOVEST and your financial adviser. The amount of the commission is based on the amount of the premium. For mortgages, INNOVEST and the financial adviser receive commissions from the banks with whom we arrange mortgages. If you decide to take out the mortgage, the bank will pay a commission to your financial adviser. The amount of the commission is based on the amount of the mortgage. To ensure that our financial advisers prioritise the client's interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the client's goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme annually by a reputable compliance adviser. ## Duties Information INNOVEST, 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 isn't 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 https://www.fma.govt.nz. --- This Disclosure Statement (version 12) was updated on the 10th of October 2024 --- ## https://financeadvisers.co.nz/api/provider/FSP513086/disclosure.md > _Markdown transcription of Insurance Design Limited's Public Disclosure Statement, version 2026-05-24. Source: http://insurancedesign.co.nz/wp-content/uploads/2025/03/disclosure-statement2021.pdf._ --- # Disclosure Statement ## Licence status and conditions Insurance Design Limited, FSP513086, (Insurance Design Ltd, we, our) holds a financial advice provider licence, issued by the Financial Markets Authority, to provide financial advice. It is a condition of our licence that we, together with any person giving advice on our behalf, can only provide advice on general insurance products. ## Nature and scope of financial advice service We engage financial advisers to provide financial advice on general insurance products on your behalf. These are policies that insure your personal or business assets or protect you or your business assets, liabilities and business income. We are not able to provide advice on personal income protection or investment policies but are able to refer you to associates who are licensed to provide advice on such products. We have access to most insurance markets in New Zealand (excluding direct Insurers) along with access to overseas markets as required. Refer to the following links for a list of the types of general insurance we can provide financial advice on and the product providers who provide such insurance products: * [List of Insurances](https://example.com/list-of-insurances) * [Insurer Financial Strength Rating](https://example.com/insurer-financial-strength-rating) ## Duties Insurance Design Limited and our financial advisers are bound by the following duties under the Financial Markets Conduct Act 2013 to: * meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and * give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and * exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and * meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. ## How we get remunerated We are paid brokerage by the Insurers we do business with when we arrange your insurance. As a general rule, the brokerage we receive is a percentage of the Insurer's base premium and natural disaster premium. We may apply a service charge to your total premium to enable us to continue to deliver our high level of service. For the Financial Year ending March 2020, our total revenue (brokerage and service charge) as a percentage of the invoice value to customers (all-inclusive of GST) averaged 20.15%. The actual total revenue charged on a particular invoice will vary by client/risk basis and can be more or less than the average. Please contact your broker direct if you want to know what total revenue is earnt in relation to any particular invoice. Broker revenue is our main source of income and covers the cost of providing services to you, including administration, compliance, claim support and processing costs related to servicing and arranging your insurance covers. ## Premium funding Premium funding products enable you to pay the insurance premium over the term of your policy by instalments rather than as one amount. Premium funders charge interest and they take a power of attorney over your insurance policy, this means they have the ability to cancel your insurance policy if you fail to pay an instalment. We (or our shareholders) own Team Endeavour Limited, a premium funding company available to you. ## Conflicts of interest and commissions or other incentives Insurance Design Limited will receive commission from the insurance companies on whose policies we give advice. If you decide to take out a policy, the insurer will pay us commission based on the premium that you pay but this will not result in any additional cost to you as a valued client. We sometimes attract business from referrals. If a person has referred you to us, we may pay them a small commission split. This again will not result in any additional cost to you. Some of the Insurers we do business with give us other benefits such as invitations to social business functions. Our employees or advisers may from time to time also receive small gifts and gratuities. These benefits do not result in any additional cost to you for the services provided. We are a member of Steadfast NZ Limited (Steadfast). Steadfast supplies technology platforms, management, marketing, professional, technical, and buying benefits and services to support us in providing our financial advice services. A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute, including in respect of liability. In this instance the adviser would clearly disclose the conflict of interest to the clients and would refer one of these clients to another of our financial advisers for further advice and assistance. We manage all conflicts of interest, ensuring our financial advisers prioritise your interests above their own, by following an advice process that ensures our recommendations are made on the basis of your needs and circumstances. All of our financial advisers complete training to understand and manage conflicts of interest. We maintain a register of conflicts of interests and any gifts and other incentives that we may receive. We review our compliance programme annually. ## Complaints If you are unhappy with our financial advice service, please contact your financial adviser so he or she can try to put things right. If you wish to make a complaint, or do not feel comfortable discussing your concerns with your adviser, you can contact us as follows: * Call us on **09-4257757** between the hours of 8.30am and 5.00pm week days, or; * Email us at **admin@insurancedesign.co.nz** attn Complaints Manager, or; * Write to us at **P.O. Box 363, Warkworth 0941**, addressing your letter to the attention of Complaints Manager. ## How your Complaint will be handled Your adviser will attempt to resolve any issue of dissatisfaction with you immediately. If the matter cannot be resolved to your satisfaction, the adviser will escalate the complaint to his or her manager, notifying you accordingly. We will send you an acknowledgement of your complaint within five working days of your complaint being notified to us. This letter will provide you with our timeline to respond to you and the name of the manager who will be managing our response. The manager will investigate and contact you to try to resolve the complaint to your satisfaction. It is important that you provide this person with all relevant information. We will provide you with a written update within 20 working days of receiving your complaint. If we are unable to provide a full response to you at that point, our letter will explain why we are not yet in a position to do so and tell you when we will next contact you. 40 working days after the receipt of your complaint we will issue a final resolution. If we need to continue our review past this point, we will explain to you the reason for the delay and the required timeframe to provide a full response. At this point, if you feel that the delay is unsatisfactory, you can redirect your complaint to our external dispute resolution service provider detailed below. ## If we are unable to resolve your complaint We expect that our response to you will have addressed the concerns you have raised. If you feel that your concerns have not been appropriately considered, we invite you to submit any further information for consideration. If we are unable to resolve your complaint despite our best efforts, you can contact our external dispute resolution scheme, who provides a free and independent dispute resolution service. The contact details for our external dispute resolution service provider are: **Financial Services Complaints Limited** P.O. Box 5967, Lambton Quay, Wellington 6145 0800 347 257 info@fscl.or.nz www.fscl.org.nz ## Contact details Insurance Design Limited, FSP513086 is the Financial Advice Provider. We can be contacted as follows: PO Box 363, Warkworth, 0941 09 425 7757 --- **Please note that Insurance Design Limited is a separate FAP under FSP513086 for Fire and General Insurances only** --- ## https://financeadvisers.co.nz/api/provider/FSP523166/disclosure.md > _Markdown transcription of Initio Limited's Public Disclosure Statement, version 2026-05-24. Source: https://initio.co.nz/disclosure-statement/._ --- # Disclosure Statement ## About Initio This Disclosure Statement provides important information about the financial advice services provided by Initio Limited (**Initio**, **we**, **our**, or **us**). This information is required under the Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendment Regulations 2020 and is designed to help you decide whether to seek or act on financial advice from us. Initio is a Financial Advice Provider (FAP), licensed by the Financial Markets Authority (FMA) to provide financial advice under the Financial Markets Conduct Act 2013 (FMCA). You can verify this by checking the Financial Service Providers Register at [www.fspr.govt.nz](https://fsp-register.companiesoffice.govt.nz/) and searching our Financial Service Provider (FSP) number: **FSP523166**. All Initio policies are underwritten by IAG New Zealand Limited (IAG). IAG has received an AA from Standard & Poor's (Australia) Pty Ltd, an approved rating agency. A rating of AA means IAG has a 'very strong' claims-paying ability. ### Contact Details | | | |---|---| | **Provider:** | **Initio Limited** | | **FSP Number:** | FSP523166 | | **Website:** | [www.initio.co.nz](https://initio.co.nz) | | **Phone:** | 0800 763 929 | | **Email:** | hello@initio.co.nz | | **Address:** | 6 Garden Place, PO Box 319, Hamilton 3204 | --- ## Nature and Scope of Our Advice We provide financial advice on the following general insurance products issued by Initio (underwritten by IAG New Zealand Limited): - Homeowner's house and contents insurance - Landlord and holiday home insurance - Multi-unit rental property insurance - Motor vehicle insurance ### Limitations on Our Advice **Important:** The scope of our advice is limited to Initio's own insurance products. We do not provide financial advice on products offered by other insurers and we are unable to offer comparisons with alternative providers' products. Our advice is based on the information you provide to us at the time. It is designed to help you select insurance cover from the Initio product range that is suitable for your circumstances and needs, as communicated to us. Where your insurance needs fall outside the scope of the products we offer, we may suggest that you contact a specialist insurer or insurance broker who can assist you further. In such cases, we will not be providing financial advice on those alternative products. Before purchasing any insurance product through us, you should read the applicable Policy Wording, which is available on our website. The Policy Wording contains important information about the product, including what is and is not covered, to help you make an informed decision. --- ## Our Duties Initio and our financial advisers have duties under the Financial Markets Conduct Act 2013 (FMCA) and the Code of Professional Conduct for Financial Advice Services (the Code) relating to the way we give advice. When providing financial advice, we are required to: - give priority to your interests by taking all reasonable steps to ensure our advice is not materially influenced by our own interests or the interests of any other person; - exercise care, diligence, and skill that a prudent person engaged in the same occupation would exercise in the same circumstances; - meet the standards of competence, knowledge, and skill set out in the Code; - meet the standards of ethical behaviour, conduct, and client care set out in the Code; - ensure that the information we make available to you is not false, misleading, or incomplete. A copy of the Code of Professional Conduct for Financial Advice Services is available at [www.financialadvicecode.govt.nz](http://www.financialadvicecode.govt.nz). --- ## Fees, Expenses, and Commissions ### Transaction Fees For new house, contents, and car insurance policies, and for the subsequent renewal of those policies, Initio charges a transaction fee of between **$3 and $50 + GST per policy**. This fee is shown on your quote and invoice and is payable by you when the transaction is processed on the Initio platform. Initio does not charge a fee for policy changes, alterations, certificates of insurance, or policy cancellation transactions. ### Commissions Initio receives commission from the insurer (IAG New Zealand Limited) on insurance policies. The commission is included in the premium you pay and is not an additional charge to you. | **Product Type** | **Commission Rate** | |---|---| | House and contents insurance | 22.5% of insurer premium portion | | Motor vehicle insurance | 10.0% of insurer premium portion | ### Claims Handling Fees Initio may handle claims on behalf of IAG under delegated authority for certain in-scope claims. A fixed claims handling fee is paid by the insurer to Initio for claims handled and settled on behalf of the insurer. This fee is not charged to you. ### Referral Partners Where you have been introduced to Initio by one of our partners or referrers and you decide to purchase an insurance policy, we may pay the partner or referrer. The payment amount depends on the product type, insurance cost, and the specific arrangement with that partner or referrer. Any remuneration paid to our partners or referrers is not charged directly to you and does not affect the amount you pay. ### Adviser Remuneration All Initio financial advisers are paid a salary and are not incentivised by the selling (or claims settlement outcome) of insurance products. Our financial advisers do not receive any commission or other incentives for giving financial advice or selling an insurance policy. --- ## 5. Conflicts of Interest We recognise that conflicts of interest can arise from the way we are remunerated. The following are conflicts of interest that a reasonable client would expect to be told about: - **Limited product range:** We only provide advice on Initio's own products (underwritten by IAG). We do not compare Initio's products with those of other insurers. This means our advice may not cover all insurance options available to you in the market. - **Commission income:** Initio receives commission from IAG on policies sold through us. This could create an incentive to recommend insurance cover that may not be in your best interests. - **Referral payments:** We may pay commissions to partners and brokers who refer clients to us, which could influence the recommendations made to you by those third parties. ### How We Manage These Conflicts Initio manages these conflicts of interest in the following ways: - Our financial advisers are paid a salary only and do not receive any commission, bonus, or incentive linked to the sale of policies or claims outcomes. - We require all financial advisers to follow an advice process that ensures recommendations are based on your goals, circumstances, and needs. - Where your needs fall outside the scope of our products, we will refer you to a specialist insurer or broker rather than recommend an unsuitable product. - All financial advisers undergo training on how to manage and disclose conflicts of interest. --- ## 6. Reliability Events A reliability event is something that might influence your decision about whether to seek or act on our financial advice. Examples include a successful regulatory action, a bankruptcy, a criminal conviction for dishonesty, or a prohibition order by a regulatory body. **Neither Initio, nor its financial advisors, has been subject to a reliability event.** --- ## 7. What to Do If Something Goes Wrong ### Internal Complaints Process If you are not satisfied with our financial advice service, we encourage you to contact us as soon as possible so that we can try to resolve your concern. You can make a complaint by: - **Email:** complaints@initio.co.nz - **Phone:** 0800 763 929 - **Post:** The Complaints Manager, PO Box 319, Hamilton 3204 When we receive a complaint, we will consider your concerns and let you know how we intend to resolve them. Where possible, we will try to resolve your complaint immediately. If we are unable to do so, we will acknowledge your complaint within 2 business days and work with you towards a resolution. ### External Dispute Resolution If you are not satisfied with the resolution of your complaint under our internal complaints process, you can refer the matter to our external dispute resolution scheme. This is a free and independent service. Initio is a member of the Insurance & Financial Services Ombudsman Scheme (IFSO Scheme). | | | |---|---| | **Scheme:** | Insurance & Financial Services Ombudsman Scheme (IFSO) | | **Phone:** | 0800 888 202 | | **Email:** | info@ifso.nz | | **Website:** | [www.ifso.nz](https://www.ifso.nz) | | **Post:** | PO Box 10-845, Wellington 6143 | --- ## 8. Privacy We collect and use your personal information to provide you with financial advice and to arrange and administer your insurance policies. Your personal information is handled in accordance with the Privacy Act 2020 and our Privacy Policy, which is available on our website. For more information about how we collect, use, store, and disclose your personal information, please refer to our Privacy Policy at [https://initio.co.nz/privacy-policy/](https://initio.co.nz/privacy-policy/). --- ## 9. Further Information You can check that Initio is a registered and licensed financial service provider, and verify the registration of your financial adviser, at the Financial Service Providers Register: [www.fspr.govt.nz](https://fsp-register.companiesoffice.govt.nz/). This Disclosure Statement is current as at the effective date shown. We will provide you with an updated disclosure statement if there is a material change to the information contained in it. This information is also available in writing, on request. - **Disclosure statement prepared on:** 15th March 2021 - **Disclosure statement updated on:** 31st March 2026 --- ## https://financeadvisers.co.nz/api/provider/FSP531246/disclosure.md > _Markdown transcription of Ms Financial Service Limited's Public Disclosure Statement, version 2026-05-24. Source: https://msfs.co.nz/en/disclosure/._ --- # MS Financial Service Limited – Public Disclosure Statement **MS Financial Service Limited** (FSP531246), trading as **Insurance Success** --- ## Licensing Information MS Financial Service Limited (FSP531246), trading as Insurance Success, is a Financial Advice Provider (FAP) licensed and regulated by the Financial Markets Authority to provide financial advice. We only provide financial advice about the following types of insurance products provided by the following product providers: ### Scope of Advice & Product Provider Panel | Insurance Type | Product Providers | |---|---| | **Health Insurance** | AIA New Zealand Limited; NIB New Zealand Limited; Partners Life; Southern Cross Medical Care Society | | **Risk Insurance** | AIA New Zealand Limited; Partners Life; Southern Cross Medical Care Society; Chubb Life Insurance New Zealand Limited; Fidelity Life Assurance Company Limited; Asteron Life Limited | | **Fire & General Insurance** | AON PLC; BLANKET LIMITED | | **Travel / International Student / Pet Insurance** | Southern Cross Benefits Limited; Orbit; Petcover | --- ## Fees or Expenses We do not charge clients fees, expenses or any other amount for the financial advice we provide. You will not be invoiced or asked to pay any fees to us at any time, even if the engagement of services or the products placed through this engagement is terminated by either party. --- ## Conflicts of Interest and Commissions Our financial advisers are independent contractors and are paid in the form of commissions from the product providers or insurers through which we place business. Typically, we receive an upfront initial commission of between **20%–35% of the premium** and an annual ongoing commission of between *[insert range]* for every year the premium is in force. We will provide more specific details of these commissions once we have talked to you and understand your needs at the time our advice is given. To ensure our advisers prioritise our clients' interests: - We follow an advice process that ensures our recommendations are made appropriately based on the client's goals and circumstances. - All our advisers undergo annual training in how to manage conflicts of interest. - We maintain registers of conflicts of interest and the gifts and incentives we receive. These registers are monitored regularly, and additional training is provided as required. - We undertake an annual independent Compliance Assurance Review by Strategi. --- ## Complaints Handling and Dispute Resolution If you are not satisfied with our service or financial advice, please tell us as soon as possible. **Call:** 021 671 984 **Email:** service@msfs.co.nz / admin@msfs.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 will try to resolve your complaint immediately. - If we are unable to resolve your complaint immediately, we will acknowledge it within **2 business days**. We may contact you to obtain further information about your complaint. - We aim to resolve complaints within **10 working days** of receiving them. 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 cannot agree on how to fix the issue, or if you decide not to use our internal complaints process, you can contact our external dispute resolution scheme, the **Insurance & Financial Services Ombudsman Scheme**. This scheme provides a free and independent dispute resolution service that may help to resolve your complaint if we haven't been able to do so to your satisfaction. ### External Dispute Resolution Scheme **Insurance & Financial Services Ombudsman Scheme (IFSO)** **Call:** 0800 888 202 **Email:** info@ifso.nz **Write to:** Insurance & Financial Services Ombudsman Scheme, PO Box 10-845, Wellington 6143, NEW ZEALAND --- ## Duties Information MS Financial Service Limited and our advisers 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; - Exercise care, diligence, and skill; - Meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services; - Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services. --- ## Contact Details MS Financial Service Limited FSP531246, trading as Insurance Success, is the Financial Advice Provider. **Call:** 021 671 984 **Email:** service@msfs.co.nz / admin@msfs.co.nz **Address:** Level 1, Unit C, Building 3, 331 Rosedale Road, Albany, Auckland *A written copy of this information is available upon request.* --- > **Note:** The page links to the following sub-documents which may contain additional disclosure information: > - [Privacy Policy](https://msfs.co.nz/en/privacy-policy/) > - [Disclaimer](https://msfs.co.nz/en/disclaimer/) > - [IPP3A Schedule](https://msfs.co.nz/en/ipp3a-schedule/) --- ## https://financeadvisers.co.nz/api/provider/FSP545907/disclosure.md > _Markdown transcription of Float Financial Advisors Limited's Public Disclosure Statement, version 2026-05-24. Source: https://floatmortgages.co.nz/public-disclosure/._ --- # Public Disclosure — Float Mortgages New Zealand **Float Financial Advisors Limited** FSP Number: 545907 --- ## Licensing Information Float Financial Advisors Limited is a Financial Advice Provider (FAP), currently holds a transitional licence and is regulated by the Financial Markets Authority to provide financial advice. Our Financial Services Provider (FSP) number is **545907**. --- ## Nature & Scope of Advice Provided Here are the things we can help you with. As you can see, they are focused on helping you buy property and grow your assets, as well as advising on insurance to protect your health and financial wellbeing. - Finding the right mortgage and managing the paperwork when you apply for your loan. - Assessing your risk of serious illness and disability, so you can have the protection of trauma insurance and also permanent disability insurance. - Advice on income protection insurance to help safeguard your income if sickness or disability affected your ability to earn. - Advice on life insurance to protect those who depend on you financially. - Advice on health insurance to provide access to private hospital or specialist treatment. - Advice on investments and KiwiSaver to help you build a deposit for your first home and plan for retirement. --- ## The Companies We Work With **Mortgages:** Float is accredited and works with a wide range of lenders to find the best rates and terms for you: ANZ, ASB, BNZ, Westpac, Kiwibank, Avanti Finance, The Co-operative Bank, Cressida, Liberty Financial, NZCU, PSIS, Public Trust, AIA/Go Home Loans, SBS Bank, TSB, Sentinel, DBR, Basecorp, General Finance, Pepper Finance, Resimac, Bank of China, ICBC, Heartland Bank, DBR, CFML, Unity, First Mortgage Trust. **Personal risk and health insurance:** We believe the following companies offer an excellent choice of personal and health cover: Partners Life, Asteron, Fidelity Life, NIB, and AIA. **Fire and general insurance:** We will recommend the products and solutions we think best fit your circumstances from the following companies: Tower, Vero & Ando. **Investments and KiwiSaver:** Booster, Generate, Milford, and Pathfinder. --- ## Fees & Expenses As a general rule Float does not charge for mortgage and insurance advice as we receive product provider commissions. Occasionally, we may work with lenders who don't pay a commission to Float. In this scenario, we may charge a one-off fee for any work we do on your behalf. We would discuss this with you beforehand and get your permission in writing. **Mortgage commission clawbacks:** If you repay in part a mortgage within 27 months of drawdown, the lender may take back some or all of the commission Float earned. If you have refinanced using another broker or by going direct to a bank, Float may charge you a one-off fee to cover the income that the lender has "clawed back" from Float. If you repay your mortgage from the sale of a property or by any other means and this intention or possibility was not communicated in writing prior to settlement, Float Financial Advisers may also in its sole discretion charge a fee to recover the commission clawback that the lender charges. Please let us know if there is this possibility. The amount of this fee will be disclosed to you prior to your original loan settlement date; this fee will be capped at the amount the lender charges Float and typically reduces each year on the anniversary of your settlement date. **Insurance commission clawbacks:** If you decide to close a life insurance or health policy within 27 months from inception of the policy, the insurance company may take back some or all of the commission Float earned. Float may charge you a one-off fee to cover the income that the insurance provider has "clawed back" from Float. The amount of this fee will be disclosed to you prior to the inception date of your insurance or health policy; this fee will be capped at the amount the Insurer charges Float and typically reduces each year. --- ## Conflicts of Interest & Incentives Our advisers are paid salaries, not commissions based on the revenue that Float earns. This means they can focus on finding the right deal for you instead of hunting for the biggest pay-off for them personally. There is no financial incentive or financial conflict of interest for a Float Financial Adviser to apply to one product provider over another. The product providers we deal with usually pay commissions to Float based on the business Float brings them. This is generally paid once the mortgage is settled or insurance policy is issued and is a percentage of the value of your investment balances, loan balance or insurance premium. The commission may also include a renewal or trail commission which is a percentage of the value of your investment balance, outstanding loan amount or premiums, usually calculated at the end of each month in which you hold the investment or loan, or on renewal of insurance products. We also receive a fixed rate rollover fee from some providers if we help re-fix your loan. A discretionary bonus structure based on performance and compliance is in place. 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. On top of the salary model Float has adopted to ensure our financial advisers prioritise your interests above their own, we follow the six-step advice process, which includes research and diligence with our product selection to meet your specific needs. We manage any conflicts by following our procedures which include holding a register of any conflicts and reviewing them regularly. --- ## Complaints Handling and Dispute Resolution At Float we love feedback; if you have a complaint we would appreciate your honesty. When we receive a complaint, we will consider it following our internal complaints process: 1. 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. You can log a complaint through your Float client portal. 2. We aim to resolve complaints within 10 working days of receiving them. If we are unable to resolve the issue, we will contact you within that timeframe to let you know we need more time to consider your complaint. 3. 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 you have a problem, concern, or complaint about any part of our service, please notify us so we can attempt to resolve the problem. You may contact our internal disputes service by: - **Phone:** 0800 356 288 - **Email:** info@floatmortgages.co.nz - **Post:** Level 1, 359 Onehunga Mall Road, Onehunga If we cannot agree on how to resolve the issue, you may contact **Financial Services Complaints Limited (FSCL)**. You will not be charged for this service, and it will help us resolve any disagreements. --- ## Duties Information Float Financial Advisers, and anyone who gives financial advice on our behalf, has 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 isn't materially influenced by our own interests. - Exercise care, diligence, and skill in providing you with advice specific to your circumstances. - 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). --- ## Professional Indemnity Insurance All our advisers are covered with professional indemnity insurance policies. This provides protection for our customers in unlikely cases of financial loss due to misrepresentation, negligence, financial loss through fraud, omission or employee dishonesty. --- ## Terms of Engagement To read our Terms of Engagement, see the linked document below. --- *Sub-documents linked from this page:* - **Terms of Engagement (PDF):** https://floatmortgages.co.nz/wp-content/uploads/2022/05/Terms-of-Engagement_V2.pdf --- ## https://financeadvisers.co.nz/api/provider/FSP553526/disclosure.md > _Markdown transcription of Assetwise Nz Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.assetwise.nz/about/information-about-assetwise/complaints-handling-and-disputes-resolution/._ --- # Our Complaints Process ## Making a Complaint If you are not satisfied with our financial advice service you can make a complaint by emailing **admin@assetwise.nz**, or by calling: **09 580 1111**. ## Internal Complaints Process 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. ## Dispute Resolution Scheme If we can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact **The Insurance & Financial Services Ombudsman (IFSO)**. The Insurance & Financial Services Ombudsman provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we haven't been able to resolve your complaint to your satisfaction. **Contact the IFSO Scheme:** - **Phone:** 0800 888 202 - **Email:** info@ifso.nz - **Post:** IFSO Scheme, P O Box 10-845, Wellington 6143 ## Financial Advice Provider Details **Assetwise NZ Ltd** (FSP553526) is the Financial Advice Provider. **Contact details:** - **Phone:** 09 580 1111 - **Email:** admin@assetwise.nz --- *This page is part of the Assetwise Disclosure and Important Information section. Additional adviser disclosure documents may be available at: [https://www.assetwise.nz/about/information-about-assetwise/](https://www.assetwise.nz/about/information-about-assetwise/)* --- ## https://financeadvisers.co.nz/api/provider/FSP557607/disclosure.md > _Markdown transcription of Allcover Financial Limited's Public Disclosure Statement, version 2026-05-18. Source: https://allcover.co.nz/uploads/bef9ede98f1d1511f9b49e3970568cfd.pdf._ --- # Allcover General Disclosure ## LICENSING INFORMATION Allcover Financial Limited (FSP557607) holds a licence issued by the Financial Markets Authority to provide financial advice. ## NATURE AND SCOPE OF THE ADVICE Allcover Financial Limited provides advice to our clients about their, life insurance, health insurance, KiwiSaver, travel insurance and general insurance (house, contents, motor vehicle). Our financial advisers provide financial advice in relation to these financial advice products. We only provide financial advice about products from certain providers: - For life insurance, we work with AIA NZ, Asteron Life, Chubb, Fidelity Life and Partners Life. - For health insurance, we work with AIA NZ, NIB, Partners Life and Southern Cross Health Society. - For KiwiSaver, we work with Generate. - For travel Insurance we work with Southern Cross Travel and Allianz. - For general insurance we work with Stylecover and Tower. In providing you with financial advice, we will only consider existing term life, trauma, income protection and health insurance policies (if any). We will not provide advice on existing whole of life, endowment products, investment or investment linked products. You will need to consult a specialist if you would like advice on those products. ## FEES OR EXPENSES Allcover Financial Limited does not charge fees, expenses or any other amount for the financial advice provided to its clients. ## CONFLICTS OF INTEREST AND INCENTIVES Allcover Financial Limited and our financial advisers receive commissions from the providers on whose products we give financial advice (the insurers and KiwiSaver providers). If you decide to take out insurance or take out KiwiSaver advice, the provider will pay a commission to Allcover Financial Limited 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 the client's interests above their own, we follow an advice process that ensures our recommendations are made based on the 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. ## COMPLAINTS HANDLING AND DISPUTE RESOLUTION If you are not satisfied with our financial advice service, you can make a complaint by emailing info@allcover.co.nz or by calling: 09 963 6291. You can also write to us at: PO Box 35477, Browns Bay, Auckland 0754. 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 cannot, 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service 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. You can contact Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service by emailing complaints@fscl.org.nz, or by calling: 0800 347 257. You can also write to them at: PO Box 5967, Wellington 6140. ## DUTIES INFORMATION Allcover Financial Limited, 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 isn't 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. ## CONTACT DETAILS Allcover Financial Limited (FSP 557607) is the Financial Advice Provider. You can contact us at: - Phone: 09 963 6291 - Email: info@allcover.co.nz - Office Address: Unit 1H,3 Omega Street, Rosedale, Auckland 0632 - Postal Address: PO Box 35477, Browns Bay, Auckland 0754 - Website: www.allcover.co.nz --- ## https://financeadvisers.co.nz/api/provider/FSP561546/disclosure.md > _Markdown transcription of Totara Wealth Management Limited's Public Disclosure Statement, version 2026-05-23. Source: https://totara-wealth.squarespace.com/s/FAP-Public-Disclosure-Website-v12.pdf._ --- # Information to help you understand our business The Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendment Regulations 2020 (the "Regulations") requires us to make certain disclosures publicly available. The purpose of this disclosure is to help retail clients find the type of adviser services they are seeking. Tōtara Wealth Management Ltd (the "Company") holds a license issued by the Financial Markets Authority (FMA) to provide a financial advice services. ## LICENSE STATUS AND CONDITIONS - Tōtara Wealth Management Ltd was issued a Financial Advice Provider (FAP) License on 3 June 2022 (FSP561456). - Richard Harden, Meredith Cornelius, Kevin O'Donnell, and James Hunt provide Financial Adviser (FA) services to clients on behalf of the Company. - There are no terms or conditions of the Company's license that limits or restricts the Company or its FAs from giving advice on behalf of Tōtara Wealth Management. ## NATURE AND SCOPE OF ADVICE - The Company provides financial planning and investment advice, typically for clients investing for, or during, retirement. - The Company's FAs are qualified and experienced to advise clients on a wide range of managed funds, Foreign Investment Funds (FIFs), listed NZ and global shares and bonds, term deposits and cash. The Company's FAs can also provide comprehensive planning or general advice on KiwiSaver. - The Company has no contractual relationship with any product provider and, as such, is free to advise our clients without product bias. - The Company also provides financial advice relating to UK Pension Transfers. - The Company's FAs' expertise lies in investment advice and retirement planning. While an FA may provide general financial planning advice about taxation, insurance, and estate planning, this is incidental to our core service, investment advice. If an issue is identified as needing review and/or advice by another qualified professional, clients are referred to suitable specialists. ## FEES, EXPENSES OR OTHER AMOUNTS PAYABLE The Company's fee structure is straightforward and transparent. ### 1. Financial Plan or Statement of Advice Fee Every client begins with a personalised, written Financial Plan or Statement of Advice, a one-off initial fee is charged for preparing, discussing, and implementing financial advice. This fee is disclosed before the plan or statement is prepared, payable following its completion and presentation, and 100% tax deductible. ### 2. Ongoing Advice and Monitoring Fees For clients who accept investment recommendations contained in a written Financial Plan or Statement of Advice then establish an investment portfolio via our preferred wrap provider. Charges for ongoing monitoring and investment advice are then payable based on a percentage of the client's portfolio valuation (deducted from the portfolio's cash account each month). These charges are disclosed before establishing a portfolio and are typically tax deductible. The charges pay for: - Ongoing investment and financial planning advice - Our Discretionary Investment Management Services (DIMS), if applicable - Periodic reporting and client meetings - Annual tax report - Online portfolio access - Administration and custodial services - All contact with your FA ### 3. Other Other charges are payable to others at various times depending on investment decisions, e.g., brokerage on the sale and purchase of securities, fund manager fees, currency exchange margins, etc.). These are disclosed when advice is given. We are happy to arrange an exploratory initial meeting at no charge. ## CONFLICTS OF INTEREST, INCLUDING COMMISSIONS OR OTHER INCENTIVES - A conflict of interest means a financial or any other interest, relationship, or other association of the Company's (including a director or FA) that would, or could reasonably be expected to, materially influence our choice of investments to buy or sell on your behalf. - Tōtara Wealth may earn a commission, and an ongoing trail fee relating to the advice we provide on KiwiSaver. This typically ranges from 0.20% to 0.50% per annum depending on the KiwiSaver provider. Any commission or trail fee we earn is paid to us from the KiwiSaver fund manager and not at any extra cost to the client unless otherwise agreed by the adviser and the client. - Except for KiwiSaver commissions above (where applicable), the Company has a policy prohibiting the acceptance of investment commissions or rebates arising from recommending or investing client funds. This policy is intended to minimise any conflicts of interest that could be reasonably expected to materially influence investment decisions made by the Company or your FA to buy or sell investments on your behalf. - From time to time the Company and/or its FAs may accept 'soft commissions', defined as occasional business lunches, registrations at educational events, sporting events or gifts at Christmas from product providers the Company may or may not recommend. - Amplifi Holdings Ltd is a majority shareholder in Tōtara Wealth Management Ltd and owner of Mint Asset Management, a New Zealand-based financial product provider that offers a suite of managed investment funds. While Mint products may be recommended to our clients from time to time based on client suitability, the Company is under no obligation (real or perceived) to recommend these products to our clients. - Tōtara Wealth Financial Advisers receive a salary only and do not receive any type of commissions from Tōtara Wealth or any of the recommended funds. - In the unlikely event that a conflict of interest was identified (real or perceived), it would be disclosed in writing before any investment is bought or sold. ## COMPLAINTS PROCEDURE - The Company has an internal complaints programme aimed to resolve any issue quickly, fairly and effectively. - Clients may make complaints verbally or in writing, including by email. - Complaints may be made to any member of the Company, and it will be addressed by a director or senior manager. Written complaints may be emailed to: Richard Harden (rh@totarawealth.co.nz). - If a complaint cannot be resolved via our internal complaints process, a client may choose to contact our Disputes Resolution Scheme provider, Financial Services Complaints Ltd – A Financial Ombudsman Service. ## DISPUTES RESOLUTION PROCESS Clients may choose to seek free and independent dispute resolution services through our Disputes Resolutions Scheme: **Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service** PO Box 5967 Level 4, 101 Lambton Quay Lambton Quay Wellington 6145 0800 347 257 info@fscl.org.nz Reference: Tōtara Wealth Management Ltd, Member Number 6923 ## AVAILABILITY OF INFORMATION This information is being provided free of charge and may be requested in hard copy by emailing info@totarawealth.co.nz. ## DUTIES INFORMATION Tōtara Wealth and its FAs are bound to the duties of the Financial Markets Conduct Act to: - Meet the standards of competence, knowledge and skill set out in the Code of Conduct; and - Give priority to your interests; and - Exercise care, diligence, and skill; and - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct. --- ## https://financeadvisers.co.nz/api/provider/FSP56801/disclosure.md > _Markdown transcription of New Zealand Home Loans (rotorua City) Limited's Public Disclosure Statement, version 2026-05-24. Source: https://nzhl.co.nz/disclosure-statement/._ --- # Financial Advice Provider Disclosure Statement ## Licensing Information The New Zealand Home Loan Company Limited (**NZHL**, **we**, **us**) (FSP30301) holds a licence issued by the Financial Markets Authority to provide a financial advice service. NZHL also operates via franchises (**Franchises**) which are authorised under NZHL's licence to provide financial advice services. This disclosure statement relates to both NZHL and its Franchises. The NZHL financial advisers work for us or relevant Franchises. NZHL operates from two locations: 2/30 Ponsonby Road, Auckland, 1011 and L1, 903 Victoria Street, Hamilton, 3204. Contact us via email at [email protected] or call us on 0800 332 837. You can find information on the Franchises, their locations and how to contact them on our website at https://nzhl.co.nz/find-us/ --- ## What Financial Advice Services Do We Provide? NZHL and our Franchises provide financial advice services through our advisers on the products of the following lenders and insurers: - **Loans –** New Zealand Home Loan products (provided by Kiwibank), ASB Bank, and Liberty Financial. - **Insurance –** personal insurance from NZHL Life (provided by Fidelity Life), Fidelity Life, AIA, nib, and Partners Life. The disclosure statements of a financial adviser you meet with will list the products they can advise on. --- ## What Do We Charge Our Clients? We do not charge anything when you come to us for consultation. For home loans we charge an application fee for new mortgage finance and for additional mortgage finance where the mortgage finance is approved and settled. There is no application fee for Insurance products. **Home Loan Clawback:** We may be required to repay (in part or in full) the commission we receive from the lender in relation to your loan, if you repay or refinance your loan (in part or in full) within the first 24 months of your loan being advanced. We may charge you a fee to recover the value of that amount, up to a specified limit. **Insurance Clawback:** We may be required to repay (in part or in full) the commission we receive from the insurer in relation to insurance you take out, if you cancel, reduce, or replace an insurance policy (or if the insurer cancels an insurance policy) within the first 24 months of the policy being issued. We may charge you a fee to recover the value of that amount, up to a specified limit. --- ## How Do We Get Paid? **Loan:** Once your loan settles, NZHL will receive commission from the lender. The commission varies depending on the type of loan and the loan amount. This commission is shared with the Franchise and may be shared with your financial adviser. NZHL and the Franchise may continue to be paid an annual servicing commission for as long as your lending is active with NZHL. **Insurance:** Once your insurance policy is issued, NZHL receives commission from the insurer. The commission amount is based on the premium for the first year of your policy and depends on the insurance provider and the policy you choose. This commission is shared with the Franchise and may be shared with your financial adviser. NZHL and the Franchise will continue to be paid an annual servicing commission for as long as you hold the policy with the insurer. To manage those conflicts of interest, NZHL advisers select the loan or insurance provider based only on your needs and circumstances. They follow NZHL's advice process to ensure the advice is tailored to your individual needs. NZHL also provides regular training on how advisers can best manage any conflict of interest to ensure your needs are prioritised. --- ## Conflicts of Interest NZHL is owned by Kiwi Group Capital Limited (**KGC**). KGC also owns Kiwibank Limited who are a home loan provider for NZHL. NZHL owns NZHL Mortgage Advisory Limited who you may be referred to by us, a Franchise, or a financial adviser. NZHL also has a majority shareholding in Link Financial Group 2022 Limited. Link Financial Group 2022 Limited has a majority shareholding in Insurance Link General Limited ("FG Link") who you may be referred to by us, a Franchise, or a financial adviser. The Franchises are companies and operate as part of the NZHL network. They are not owned by KGC. To manage those conflicts of interest, NZHL advisers select the loan or insurance provider based only on your needs and circumstances. They follow NZHL's advice process to ensure the advice is tailored to your individual needs. NZHL also provides regular training on how advisers can best manage any conflict of interest to ensure your needs are prioritised. --- ## Complaints and Dispute Resolution Process Your feedback is very important to us. If you'd like to provide feedback or feel that we've let you down in any way, we'd like to know about it so we can do our best to resolve things. NZHL has a three-stage complaints process: 1. **Start with your NZHL Franchise –** If you have a problem or concern, please talk to your financial adviser or the Franchise they work for. NZHL Franchise contact details can be found on our website at https://nzhl.co.nz/find-us/. The Franchise will acknowledge your complaint within 2 working days and outline the next steps, with the aim of making a final decision within 10 working days of receiving your complaint. 2. **Escalate to NZHL Support Office –** If you are not happy with how your NZHL Franchise has proposed to resolve your complaint or handled your complaint, you can complete the NZHL complaints form at https://nzhl.co.nz/complaints/, email us at [email protected] or call us on 0800 332 837. This will escalate your complaint to the NZHL Support Office (as the licensed Financial Advice Provider) who will review your complaint and endeavour to find a resolution with you on behalf of the NZHL Franchise. We will acknowledge your complaint within 2 working days. We may contact you to get further information about your complaint. NZHL aims to make a final decision within 10 working days of receiving your complaint. Sometimes more time will be required, however we will keep you updated throughout the process. 3. **External Dispute Resolution –** If you are still not happy with the resolution provided or with the way your complaint was handled by NZHL or the Franchise, you can refer your complaint to NZHL's nominated disputes resolution service, **Financial Services Complaints Limited (FSCL)**. FSCL is a Financial Ombudsman Service and is free for NZHL and Franchise clients. This service may help to investigate or resolve your complaint. **FSCL contact details:** - Website: [www.fscl.org.nz](http://www.fscl.org.nz/) - Phone: 0800 347 257 - Email: [email protected] - Post: Financial Services Complaints Limited, PO Box 5967, Wellington 6140 --- ## Our Duties and Obligations NZHL, the Franchises, and anyone who gives financial advice on their behalf, have duties under the Financial Markets Conduct Act 2013 relating to that advice. They are required to: - give priority to your interests by taking all reasonable steps to make sure our advice isn't 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) --- *Note: Individual adviser disclosure statements are referenced but not reproduced here. The disclosure statement of a financial adviser you meet with will list the specific products they can advise on.* --- ## https://financeadvisers.co.nz/api/provider/FSP579307/disclosure.md > _Markdown transcription of Nzhl Pukekohe Limited's Public Disclosure Statement, version 2026-05-24. Source: https://nzhl.co.nz/disclosure-statement/._ --- # Financial Advice Provider Disclosure Statement ## Licensing Information The New Zealand Home Loan Company Limited (**NZHL**, **we**, **us**) (FSP30301) holds a licence issued by the Financial Markets Authority to provide a financial advice service. NZHL also operates via franchises (**Franchises**) which are authorised under NZHL's licence to provide financial advice services. This disclosure statement relates to both NZHL and its Franchises. The NZHL financial advisers work for us or relevant Franchises. NZHL operates from two locations: 2/30 Ponsonby Road, Auckland, 1011 and L1, 903 Victoria Street, Hamilton, 3204. Contact us via email at [email protected] or call us on 0800 332 837. You can find information on the Franchises, their locations and how to contact them on our website at https://nzhl.co.nz/find-us/ --- ## Scope of Advice — Products and Services NZHL and our Franchises provide financial advice services through our advisers on the products of the following lenders and insurers: - **Loans –** New Zealand Home Loan products (provided by Kiwibank), ASB Bank, and Liberty Financial. - **Insurance –** personal insurance from NZHL Life (provided by Fidelity Life), Fidelity Life, AIA, nib, and Partners Life. The disclosure statements of a financial adviser you meet with will list the products they can advise on. --- ## Fees and Charges We do not charge anything when you come to us for consultation. For home loans we charge an application fee for new mortgage finance and for additional mortgage finance where the mortgage finance is approved and settled. There is no application fee for Insurance products. **Home Loan Clawback:** We may be required to repay (in part or in full) the commission we receive from the lender in relation to your loan, if you repay or refinance your loan (in part or in full) within the first 24 months of your loan being advanced. We may charge you a fee to recover the value of that amount, up to a specified limit. **Insurance Clawback:** We may be required to repay (in part or in full) the commission we receive from the insurer in relation to insurance you take out, if you cancel, reduce, or replace an insurance policy (or if the insurer cancels an insurance policy) within the first 24 months of the policy being issued. We may charge you a fee to recover the value of that amount, up to a specified limit. --- ## Commission Disclosures — How We Get Paid **Loan:** Once your loan settles, NZHL will receive commission from the lender. The commission varies depending on the type of loan and the loan amount. This commission is shared with the Franchise and may be shared with your financial adviser. NZHL and the Franchise may continue to be paid an annual servicing commission for as long as your lending is active with NZHL. **Insurance:** Once your insurance policy is issued, NZHL receives commission from the insurer. The commission amount is based on the premium for the first year of your policy and depends on the insurance provider and the policy you choose. This commission is shared with the Franchise and may be shared with your financial adviser. NZHL and the Franchise will continue to be paid an annual servicing commission for as long as you hold the policy with the insurer. To manage those conflicts of interest, NZHL advisers select the loan or insurance provider based only on your needs and circumstances. They follow NZHL's advice process to ensure the advice is tailored to your individual needs. NZHL also provides regular training on how advisers can best manage any conflict of interest to ensure your needs are prioritised. --- ## Conflicts of Interest - NZHL is owned by Kiwi Group Capital Limited (**KGC**). KGC also owns Kiwibank Limited, who are a home loan provider for NZHL. - NZHL owns NZHL Mortgage Advisory Limited, who you may be referred to by us, a Franchise, or a financial adviser. - NZHL also has a majority shareholding in Link Financial Group 2022 Limited. Link Financial Group 2022 Limited has a majority shareholding in Insurance Link General Limited ("FG Link"), who you may be referred to by us, a Franchise, or a financial adviser. - The Franchises are companies and operate as part of the NZHL network. They are not owned by KGC. To manage those conflicts of interest, NZHL advisers select the loan or insurance provider based only on your needs and circumstances. They follow NZHL's advice process to ensure the advice is tailored to your individual needs. NZHL also provides regular training on how advisers can best manage any conflict of interest to ensure your needs are prioritised. --- ## Ownership Disclosure NZHL is owned by **Kiwi Group Capital Limited (KGC)**. KGC also owns Kiwibank Limited. --- ## Complaints and Dispute Resolution Process Your feedback is very important to us. NZHL has a three-stage complaints process: 1. **Start with your NZHL Franchise –** If you have a problem or concern, please talk to your financial adviser or the Franchise they work for. NZHL Franchise contact details can be found on the NZHL website at https://nzhl.co.nz/find-us/. The Franchise will acknowledge your complaint within 2 working days and outline the next steps, with the aim of making a final decision within 10 working days of receiving your complaint. 2. **Escalate to NZHL Support Office –** If you are not happy with how your NZHL Franchise has proposed to resolve your complaint or handled your complaint, you can complete the NZHL complaints form at https://nzhl.co.nz/complaints/, email us at [email protected], or call us on 0800 332 837. This will escalate your complaint to the NZHL Support Office (as the licensed Financial Advice Provider), who will review your complaint and endeavour to find a resolution with you on behalf of the NZHL Franchise. We will acknowledge your complaint within 2 working days. We may contact you to get further information. NZHL aims to make a final decision within 10 working days of receiving your complaint. Sometimes more time will be required; however we will keep you updated throughout the process. 3. **External Dispute Resolution –** If you are still not happy with the resolution provided or with the way your complaint was handled by NZHL or the Franchise, you can refer your complaint to NZHL's nominated disputes resolution service: ### Financial Services Complaints Limited (FSCL) FSCL is a Financial Ombudsman Service and is **free** for NZHL and Franchise clients. | Contact Method | Details | |---|---| | Phone | 0800 347 257 | | Email | [email protected] | | Post | Financial Services Complaints Limited, PO Box 5967, Wellington 6140 | | Website | www.fscl.org.nz | --- ## Our Duties and Obligations NZHL, the Franchises, and anyone who gives financial advice on their behalf, have duties under the Financial Markets Conduct Act 2013 relating to that advice. They are required to: - Give priority to your interests by taking all reasonable steps to make sure our advice isn't 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). --- *Note: Individual financial adviser disclosure statements are provided separately and list the specific products each adviser can advise on. See also https://nzhl.co.nz/find-us/ for Franchise contact details.* --- ## https://financeadvisers.co.nz/api/provider/FSP580028/disclosure.md > _Markdown transcription of Icib Life Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.icib.co.nz/disclosures._ --- # ICIB — Disclosure Statements Below are the disclosure statements for all current Financial Advisers. - [Alex Russell](/disclosures/Alex-Russell) - [Alicia Owen](/disclosures/Alicia-Owen) - [Allanah Burney](/disclosures/Allanah-Burney) - [Alveena Hellyer](/disclosures/Alveena-Hellyer) - [Andrew Van Hout](/disclosures/Andrew-Van-Hout) - [Ange Buick](/disclosures/Ange-Buick) - [Anne Russell](/disclosures/Anne-Russell) - [Ariana Kiri Stone](/disclosures/Ariana-Kiri-Stone) - [Ash Khan](/disclosures/Ash-Khan) - [Ben Davies](/disclosures/Ben-Davies) - [Blake Lawrence](/disclosures/Blake-Lawrence) - [Bonnita Rowe](/disclosures/Bonnita-Rowe) - [Brindley Wood](/disclosures/Brindley-Wood) - [Bruce Lewis](/disclosures/Bruce-Lewis) - [Carew Meyer](/disclosures/Carew-Meyer) - [Caroline Liang](/disclosures/Caroline-Liang) - [Carolyn Gatley](/disclosures/Carolyn-Gatley) - [Catherine Fluerty Griffin](/disclosures/Catherine-Fluerty-Griffin) - [Catherine Law](/disclosures/Catherine-Law) - [Cera Utiera](/disclosures/Cera-Utiera) - [Cherise Hume Adams](/disclosures/Cherise-Hume-Adams) - [Christine Magee](/disclosures/Christine-Magee) - [Corne Scheepers](/disclosures/Corne-Scheepers) - [Craig Jenkins](/disclosures/Craig-Jenkins) - [Daniel Szegota](/disclosures/Daniel-Szegota) - [Danielle Hodder](/disclosures/Danielle-Hodder) - [Darrin Barclay](/disclosures/Darrin-Barclay) - [Dave Marks](/disclosures/Dave-Marks) - [David Chow](/disclosures/David-Chow) - [David Wing](/disclosures/David-Wing) - [Debbie Butler](/disclosures/Debbie-Butler) - [Debbie Gordine](/disclosures/Debbie-Gordine) - [Denise Jackson](/disclosures/Denise-Jackson) - [Devang Ruparel](/disclosures/Devang-Ruparel) - [Donny Chiew](/disclosures/Donny-Chiew) - [Ella Bold](/disclosures/Ella-Bold) - [Emma Candy](/disclosures/Emma-Candy) - [Emma Mortimer](/disclosures/Emma-Mortimer) - [Eric Moore](/disclosures/Eric-Moore) - [Estella Hadley](/disclosures/Estella-Hadley) - [Fran Wilkin](/disclosures/Fran-Wilkin) - [Gemma Willis](/disclosures/Gemma-Willis) - [Goutam Nayyar](/disclosures/Goutam-Nayyar) - [Grant Milne](/disclosures/Grant-Milne) - [Gurpreet Kang](/disclosures/Gurpreet-Kang) - [Hannah Shennan](/disclosures/Hannah-Shennan) - [Harshan Sikka](/disclosures/Harshan-Sikka) - [Hayley Donovan](/disclosures/Hayley-Donovan) - [Heidi Cooper](/disclosures/Heidi-Cooper) - [Helen Dyer](/disclosures/Helen-Dyer) - [Ian Atkinson](/disclosures/Ian-Atkinson) - [Jacob Facer](/disclosures/Jacob-Facer) - [James Bidwell](/disclosures/James-Bidwell) - [James Jackson](/disclosures/James-Jackson) - [James Morrell](/disclosures/James-Morrell) - [Jane Batchelor](/disclosures/Jane-Batchelor) - [Jennie Sutherland](/disclosures/Jennie-Sutherland) - [Jeremy Song](/disclosures/Jeremy-Song) - [Jessica Oughton](/disclosures/Jessica-Oughton) - [Jody Jansen Van Vuuren](/disclosures/Jody-Jansen-Van-Vuuren) - [John Thatcher](/disclosures/John-Thatcher) - [Jordyn Hannam](/disclosures/Jordyn-Hannam) - [Josephine Milne](/disclosures/Josephine-Milne) - [Judith Powell](/disclosures/Judith-Powell) - [Kathryn Pascoe](/disclosures/Kathryn-Pascoe) - [Katie Cully](/disclosures/Katie-Cully) - [Katrina Padilla](/disclosures/Katrina-Padilla) - [Kayley Batchelor](/disclosures/Kayley-Batchelor) - [Keegan Ede](/disclosures/Keegan-Ede) - [Keith Thomas](/disclosures/Keith-Thomas) - [Kelly Ingles](/disclosures/Kelly-Ingles) - [Kelsey Phillips](/disclosures/Kelsey-Phillips) - [Kim Morley](/disclosures/Kim-Morley) - [Kristen Dutton](/disclosures/Kristen-Dutton) - [Kyla Coulson](/disclosures/Kyla-Coulson) - [Laura Knowlson](/disclosures/Laura-Knowlson) - [Laura McNeil](/disclosures/Laura-McNeil) - [Lauren Simpson](/disclosures/Lauren-Simpson) - [Lauren Venter](/disclosures/Lauren-Venter) - [Lauren Wills](/disclosures/Lauren-Wills) - [Laurie McCrostie](/disclosures/Laurie-McCrostie) - [Leanne Bamford](/disclosures/Leanne-Bamford) - [Leeanne Coughey](/disclosures/Leeanne-Coughey) - [Leeanne Hunter](/disclosures/Leeanne-Hunter) - [Lorryn Frawley](/disclosures/Lorryn-Frawley) - [Marcy Leriche](/disclosures/Marcy-Leriche) - [Maria Spence](/disclosures/Maria-Spence) - [Mariea Harris](/disclosures/Mariea-Harris) - [Marissa Pearson](/disclosures/Marissa-Pearson) - [Mark Colvill](/disclosures/Mark-Colvill) - [Mark Gustafson](/disclosures/Mark-Gustafson) - [Matt Tiernan](/disclosures/Matt-Tiernan) - [Megan Conlan](/disclosures/Megan-Conlan) - [Michael Kirkus](/disclosures/Michael-Kirkus) - [Michelle Quinn](/disclosures/Michelle-Quinn) - [Neil Sharpe](/disclosures/Neil-Sharpe) - [Nick Richards](/disclosures/Nick-Richards) - [Nicole Du Preez](/disclosures/Nicole-Du-Preez) - [Nigel Hickey](/disclosures/Nigel-Hickey) - [Nisha Poojari](/disclosures/Nisha-Poojari) - [Oliver Christiansen](/disclosures/Oliver-Christiansen) - [Oliver Pereira](/disclosures/Oliver-Pereira) - [Paige Walters](/disclosures/Paige-Walters) - [Paul Callaghan](/disclosures/Paul-Callaghan) - [Paul Dodunski](/disclosures/Paul-Dodunski) - [Peter Rope](/disclosures/Peter-Rope) - [Phil Barclay](/disclosures/Phil-Barclay) - [Phil Thompson](/disclosures/Phil-Thompson) - [Philip Knowsley](/disclosures/Philip-Knowsley) - [Philip Toohill](/disclosures/Philip-Toohill) - [Qi Su](/disclosures/Qi-Su) - [Rachel Beckwith](/disclosures/Rachel-Beckwith) - [Rhyanna Young](/disclosures/Rhyanna-Young) - [Richard Shehean](/disclosures/Richard-Shehean) - [Rick Cartmill](/disclosures/Rick-Cartmill) - [Rima Dhingra](/disclosures/Rima-Dhingra) - [Robin McNaughton](/disclosures/Robin-McNaughton) - [Roger Morrell](/disclosures/Roger-Morrell) - [Ryan Beswick](/disclosures/Ryan--Beswick) - [Sarah Parish](/disclosures/Sarah-Parish) - [Sarah Seeley](/disclosures/Sarah-Seeley) - [Sarah Sun](/disclosures/Sarah-Sun) - [Sarah West](/disclosures/Sarah-West) - [Selina Hannah](/disclosures/Selina-Hannah) - [Shanesh Ranchhod](/disclosures/Shanesh-Ranchhod) - [Sheryl Rooderkirk](/disclosures/Sheryl-Rooderkirk) - [Sheryll Gilshnan](/disclosures/Sheryll-Gilshnan) - [Sian Joyce](/disclosures/Sian-Joyce) - [Simon Rutten](/disclosures/Simon-Rutten) - [Stacey Laing](/disclosures/Stacey-Laing) - [Steph Smith](/disclosures/Steph-Smith) - [Stephen Mason](/disclosures/Stephen-Mason) - [Steve Cheung](/disclosures/Steve-Cheung) - [Steven Sequeira](/disclosures/Steven-Sequeira) - [Sue McMillan](/disclosures/Sue-McMillan) - [Tania Charak](/disclosures/Tania-Charak) - [Tania Karklins](/disclosures/Tania-Karklins) - [Thomas Lima](/disclosures/Thomas-Lima) - [Tony Yang](/disclosures/Tony-Yang) - [Tracey Liddington](/disclosures/Tracey-Liddington) - [Tracey Wolfe](/disclosures/Tracey-Wolfe) - [Tracy Michelle](/disclosures/Tracy-Michelle) - [Tracy Robinson](/disclosures/Tracy-Robinson) - [Travis Du Preez](/disclosures/Travis-Du-Preez) - [Vicki Barker](/disclosures/Vicki-Barker) - [Vinod Soma](/disclosures/Vinod-Soma) - [Wayne Wiffen](/disclosures/Wayne-Wiffen) - [Wendy Moss](/disclosures/Wendy-Moss) - [Zac Emery](/disclosures/Zac-Emery) --- > **Note:** Each adviser name above links to an individual disclosure sub-document at `/disclosures/[Adviser-Name]`. The full disclosure content (fees, conflicts of interest, commissions, complaints data, dispute resolution scheme, scope of advice, product panels, ownership, and material business relationships) is contained within each adviser's individual page and has not been reproduced here. --- ## https://financeadvisers.co.nz/api/provider/FSP585228/disclosure.md > _Markdown transcription of Sp Brokers Limited's Public Disclosure Statement, version 2026-05-24. Source: https://spinsurance.co.nz/personal-insurance-disclosure._ --- # Personal Insurance Disclosure ## Licence Status and Conditions SP BROKERS LIMITED (FSP585228), T/A SP Insurance holds a financial advice provider full licence, issued by the Financial Market Authority, to provide financial advice. --- ## Nature and Scope of Financial Advice Service SP Insurance provides advice to our clients about their personal insurances including risks and health insurance. Our Financial Advisers provide financial advice in relation to personal insurances. For Personal Insurance we work with the following Companies: - (a) Fidelity Life Assurance Company Limited (Fidelity) - (b) NIB NZ Limited (NIB) - (c) AIA New Zealand (AIA) - (d) Partnerslife - (e) Chubb Life - (f) Southern Cross Health Society - (g) Accuro --- ## Fees, Expenses or Other Amounts Payable We do not charge any fees, expenses, or other amounts for insurance advice. We receive a commission from the relevant insurance company if you take out an insurance policy following our advice. This commission is generally upfront in nature and may also include a trail commission. If you cancel any insurance policy arranged through us within two years of its inception date, a cancellation fee will apply. This fee is calculated at **20% of your total first-year premium, up to a maximum of $500.00 (including GST) per policy**. The cancellation fee is payable in full within 7 working days of the date of policy cancellation. This fee reflects the cost of the advisory, research, and administrative work undertaken on your behalf. --- ## Conflicts of Interest and Commissions or Other Incentives SP Insurance [and our financial advisers] will receive a commission from the insurance companies on whose policies we give advice. If you decide to take out a policy, the insurer will pay us a commission amount based on the amount of premium payable. A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute, including in respect of liability. In this instance, the adviser would clearly disclose the conflict of interest to the clients and would refer one of these clients to another of our financial advisers for further advice and assistance. We manage all conflicts of interest and ensure our financial advisers prioritise your interests above their own, by following an advice process that ensures our recommendations are made on the basis of your needs and circumstances. All our financial advisers complete mandatory trainings to understand and manage possible conflicts of interest. We maintain a register of conflicts of interests and any gifts and other incentives that we may receive. We review our compliance programme annually. --- ## Duties SP Insurance and our financial advisers are bound by the following duties under the Financial Markets Conduct Act 2013 to: - Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and - Give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and - Exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. --- ## Complaints If you are unhappy with our financial advice service, please contact your financial adviser so he or she can try to put things right. If you wish to make a complaint, or do not feel comfortable discussing your concerns with your adviser, you can contact us as follows: - **Phone:** 0800 771 007 (Monday – Friday, 9am – 6pm) - **Email:** Complaints@spinsurance.co.nz - **Post:** PO Box 12044, Penrose, Auckland 1642 — attention: **Complaints Manager** ### How Your Complaint Will Be Handled Your adviser will attempt to resolve any issue of dissatisfaction with you immediately. If the matter cannot be resolved to your satisfaction, the adviser will escalate the complaint to his or her manager, notifying you accordingly. We will send you an acknowledgement of your complaint within **five working days** of your complaint being notified to us. This letter will provide you with our timeline to respond to you and the name of the manager who will be managing our response. The manager will investigate and contact you to try to resolve the complaint to your satisfaction. It is important that you provide this person with all relevant information. We will provide you with a written update within **20 working days** of receiving your complaint. If we are unable to provide a full response to you at that point, our letter will explain why we are not yet in a position to do so and tell you when we will next contact you. **40 working days** after the receipt of your complaint we will issue a final resolution. If we need to continue our review past this point, we will explain to you the reason for the delay and the required timeframe to provide a full response. At this point, if you feel that the delay is unsatisfactory, you can redirect your complaint to our external dispute resolution service provider detailed below. ### If We Are Unable to Resolve Your Complaint We expect that our response to you will have addressed the concerns you have raised. If you feel that your concerns have not been appropriately considered, we invite you to submit any further information for consideration. If we are unable to resolve your complaint despite our best efforts, you can contact our external dispute resolution scheme, who provides a free and independent dispute resolution service. **Financial Services Complaints Limited (FSCL)** | | | |---|---| | **Address** | Level 4, Sybase House, 101 Lambton Quay, Wellington 6011 | | **Postal Address** | PO Box 5967, Wellington 6140 | | **Telephone** | 0800 347 257 / +64 4 472 3725 | | **Email** | info@fscl.org.nz / complaints@fscl.org.nz | | **Website** | http://www.fscl.org.nz | --- ## Contact Details **SP BROKERS LIMITED (FSP585228), T/A SP Insurance** Financial Advice Provider Full Licence — issued by the Financial Market Authority - **Address:** 216 Great South Road, Epsom, Auckland 1051 - **Phone:** 0800 771 007 - **Email:** info@spinsurance.co.nz --- ## https://financeadvisers.co.nz/api/provider/FSP587228/disclosure.md > _Markdown transcription of The Mortgage Lab Nz Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.mortgagelab.co.nz/._ --- # Mortgage Lab NZ — Public Disclosure Statement ## About Mortgage Lab NZ Limited **Mortgage Lab NZ Limited** is a licensed Financial Advice Provider (FAP). - **FSP Number:** 587228 - **Office:** Level 2, 14 Jervois Road, Ponsonby, Auckland 1011 - **Phone:** 09 886 9779 - **Email:** info@mortgagelab.co.nz --- ## Scope of Advice / Services Offered We offer a range of financial services including: - Mortgages (home loans, investment property loans, construction loans) - Reverse mortgages - Personal consolidation loans - KiwiSaver advice - Insurance referrals Each adviser may specialise in different areas. Please check the individual adviser's profile for their specific services. --- ## Fees Almost all of our services are provided at no direct cost to you. We are paid by the lenders when your loan is settled. **Exceptions:** | Situation | Fee | |---|---| | Loan discharged within 27 months of settlement (clawback) | Capped at $2,500 | | Finance company loans (broker fee, disclosed upfront) | Disclosed before engagement | | Client decides not to proceed after significant work has been completed | $250/hour (capped at $3,000) | All fees are discussed and agreed upon before we start working together. --- ## Commission Disclosure We are paid a commission by the lender when your loan settles. This means our advice costs you nothing, yet we have access to the same rates as going directly to the bank. **Clawback:** If you refinance or discharge your loan within 27 months of settlement, the lender may clawback the commission they paid us. In this case, we may pass this cost on to you. The clawback fee is capped at $2,500 and will be clearly outlined in our disclosure statement before you engage our services. --- ## Product Panel / Approved Lenders We work with 27+ approved lenders across New Zealand: **Main Banks:** ANZ, ASB, BNZ, Kiwibank, Westpac, The Co-operative Bank, SBS Bank, TSB **Non-Bank Lenders:** Avanti Finance, Basecorp, Bluestone, DBR, First Mortgage Trust, Funding Partners, Liberty, Pepper Money, Resimac, Select, NZCU, and more. **Referral Partnerships:** XE.com, Reapify, Prospa, Rothbury Insurance, Maurice Trapp --- ## KiwiSaver Providers Our advisers can provide advice on the following KiwiSaver providers: - Generate - NZ Funds - Booster - ANZ OneAnswer - Koura - Milford --- ## Conflicts of Interest We take conflicts of interest seriously and manage them through: - Full disclosure of any payments or incentives we receive from lenders - Recommending products based on your needs, not commission rates - Recording any gifts or incentives received - Regular training on ethical practices Our advisers are required to prioritise your interests at all times. --- ## Duties and Obligations Under the Financial Markets Conduct Act (FMCA), we have the following duties: - Give priority to your interests - Exercise care, diligence, and skill - Meet standards of ethical behaviour - Meet standards of client care We also comply with the Code of Professional Conduct for Financial Advice Services. --- ## Dispute Resolution > **Note:** A specific dispute resolution scheme name and details were not stated on this page. The page references a disclosure statement which may contain full dispute resolution details — see linked sub-documents below. --- ## Ownership Disclosure > **Note:** Ownership/ultimate holding company details were not disclosed on this page. See linked sub-documents below. --- ## Professional Indemnity Insurance > **Note:** Professional indemnity insurer name and indemnity limit were not stated on this page. See linked sub-documents below. --- --- *Sub-documents referenced but not reproduced here:* - Individual adviser disclosure statements (linked from each adviser's profile page, e.g. `/cindy-huang`, `/jocelynnda-coronado`, `/michael-shrubsall`) - Full FAP Disclosure Statement (referenced within the site but not reproduced on this page) --- ## https://financeadvisers.co.nz/api/provider/FSP592549/disclosure.md > _Markdown transcription of Woodward Insurance Brokers Limited's Public Disclosure Statement, version 2026-05-24. Source: https://theinsuranceguy.co.nz/public-disclosure/._ --- # Public Disclosure Statement ## Woodward Insurance Brokers Ltd **FSP Number:** FSP5952549 **FAP Licence:** Issued by the Financial Markets Authority (FMA) --- ## Nature and Scope of Financial Advice Given **Woodward Insurance Brokers Ltd (FSP5952549)** holds a licence issued by the Financial Markets Authority to provide financial advice. Woodward Insurance Brokers Ltd provides advice to prospects and clients about life and health insurance, KiwiSaver, as well as fire and general insurance using Financial Advisers. We provide financial advice about products from a large range of providers, facilitating the application process and management of insurance policies. --- ## Categories of Products and Providers ### Personal Insurance - Life Insurance – Untimely death / Terminal Illness (lump sum and/or monthly income) - Trauma Cover – Suffering specified serious illnesses or specific events (lump sum) - Total Permanent Disability (TPD) – Unable to work ever again cover (lump sum) - Loss of income through sickness or disability (Income Protection – Loss of Earnings) (monthly income) - Medical Insurance – Needing timely hospital or specialist treatment - Cancer Cover (lump sum) - Cancer Treatment and Investigation Cover - Funeral Cover - Redundancy Cover (monthly income) - Debt Protection - Mortgage Repayment Insurance (monthly income) ### KiwiSaver ### Business Insurance - Debt protection cover - Business key person cover – covering a key person for death, trauma, total disablement, and disability - Shareholder protection insurance (shareholder buy-out covers through death or TPD) - Succession insurance (farm or business succession through death or TPD) - Group insurance – death, trauma, total disablement, disability, and medical cover ### Domestic Fire and General - House and Contents - Rental Property Cover - Landlord's Liability - Private Vehicle (including Vehicle Loss of Use, Roadside Assistance, Glass Cover) - Private Boat - Move in New Zealand - Private boat, jet boat, jet ski - Trailer - Motor bikes - Classic/vintage vehicles - Domestic Cyber - Travel Insurance - Lifestyle Blocks – Farm Assets, Motor and Liability - Construction Insurance - Renovation Insurance ### Contract Works / Civil Works Insurance - Home construction, alteration and extensions - Commercial building construction, alteration and extensions - Civil construction works insurance ### Rural – Farming / Lifestyle / Agriculture / Horticulture Insurance - Buildings – Sheds, Woolsheds, Dairy Sheds, Implements Sheds, Packing Houses, and stalls - Netting and greenhouses - Animal Shelters and Wintering Barns - Minor Farm Buildings - Interruption Cover, Loss of Gross Profit, Payroll, Claim Prep, and Additional Costs of Working - Contents / Machinery, Conveyors, Plant and Tools - Irrigators, Pumps, Wells, Culverts - Machinery Breakdown (Pumps and Motors – surface and submersible; Switchboards and other Electrical Equipment; Control Equipment and Starters; Refrigeration Plant; Other Machinery) - Forestry Lots - Bulk Fertilisers in the Open - Live Hedges and Shelterbelts - Live Plants in a fully enclosed building - Livestock Death - Farm Dogs - Specified and Unspecified Animals including bloodstock - Liquidation and Receivership Protection - Frozen Semen, Dog Food - Fences, Sheep and Cattle Yards - Utilities - Failure of Dairy Company to Collect - Bridges - Milk Cover, Produce, Feed, Refrigerated Goods and deterioration of Refrigerated Goods - Money - Livestock Worry - Liability Insurance - Governance Liability - Cyber Cover - Houses, Contents, and accommodation - Transit, export and local; Container and other - Tree and Vine covers - Crop Insurance - Light or Heavy Vehicles, and Mobile Plant (Cars, Vans, Trailers, Motorbikes, Implements, Agricultural Machines, Trucks, diggers, tractors, picking platforms and cherry pickers; Contractors Mobile Plant, Trucks and Trailers) ### Business / Commercial, Industrial, Public or Association - Business/Commercial Vehicles - Mobile Plant - Material Damage – Buildings, contents/plant/equipment, stock - Refrigerated Goods - Customers / Suppliers goods not otherwise insured - Machinery Breakdown Cover - Business Interruption (Loss of rents, loss of profits, additional costs) - Business Interruption due to loss to Mobile Plant - Contract Works (domestic, commercial or civil works) - Public and Products Liability (Defective workmanship / property worked on cover; LBP Coverage) - Statutory Liability - Employer's Liability - Design and Certification Liability - Asbestos Liability - Environmental Liability - Office Bearer's Liability (Body Corporate Liability) - Trustees Liability - Liability for Medical Malpractice - Trade Credit Insurance - Lawsafe - Terrorism - Taxation Investigation - Professional Indemnity (Negligent Act, error, or omission; Civil) - Management Liability (Directors and Officers; Fidelity or Crime; Internet Liability; Defence Costs; Employment disputes / employment practices liability; Workplace accident) - Associations Liability - Travel Insurance - Consequential Loss - Information Technology – Tech Liability, civil - Bailees Liability (storage for reward) - Product Recall – Special cover for food and beverage business - Boiler explosion - Clinical Trials - Defamation - Multi Year Construction Risk - Seedsmen's Liability - Structural Defects - Contaminated Products - Event Cover ### Cyber Cover and Liability - Cyber Cover and Liability ### Carriers Liability, Cargo Cover - Carrier's Liability - Cargo Insurance - Container Liability ### Marine – Commercial - Commercial Marine Hull - Fishing Insurance - Marine gear and Liability - Ship repairer's Liability / Marine repair - Boat Builders' Cover - Private boat, jet boat, jet ski - Protection and Indemnity (P&I) Insurance ### Aircraft - Aviation Hull and 3rd party liability - Aviation, Aviation care, custody or control, and Aviation Liability - Hangar keeper's Liability - Aviation Liability --- > Any financial advice provided can only be as good as the information you have provided us about your needs, financial situation, or goals. --- ## How We Are Paid ### Fees Woodward Insurance Brokers Ltd does not charge specific fees or expenses for the financial advice we provide. Instead, we are primarily remunerated through various forms of commissions paid by insurers and product providers. For **Fire and General insurance products**, we charge an **invoice fee of $17.25** for each invoice issued. For **single vehicle insurance**, the invoice fee is **$26.45**. In cases where brokerage commission is **not built into a fire and general product**, we will charge a fee equivalent to the usual commission typically allocated to that type of product. This will be **combined with the standard invoice fee** and presented as a **total invoice fee**. Additional fees may apply if you request services beyond our standard offerings. These will always be **discussed and agreed upon in advance**. With regard to **Life and Health Insurance**, we are paid by the insurer through **upfront, bonus, and FAP commissions** — a percentage of the first-year premium — as well as **ongoing trail or renewal commissions** for the servicing and maintenance of your policy. For **KiwiSaver**, we may receive a **joining fee**, **service commission**, and **trail commission** from the KiwiSaver provider. Providers in some cases may instead facilitate a fee on our behalf. Where clients request **printed and posted documents**, a reasonable fee may apply to cover the additional compliance, printing, and postage costs. --- ## Commissions, Incentives & Conflicts of Interest Woodward Insurance Brokers Ltd is paid by insurers and KiwiSaver providers in the form of: - **Upfront commission** - **Brokerage commission** - **Bonus commission** - **FAP commission** - **Trail, service, and renewal commissions** - **Premium funding commission** ### Life & Health Insurance For Life and Health Insurance, we receive **upfront, bonus, and FAP commissions** from insurers based on a percentage of the first-year premium. We may also receive **ongoing trail or renewal commissions** for as long as your policy remains in force. These commissions are **built into your policy premiums**, so you do not pay extra for them. ### KiwiSaver For KiwiSaver advice, we may receive a **joining commission** when clients are moved to a new provider or fund, as well as **ongoing service, fee, and/or trail commissions**. Providers in some cases may instead facilitate a fee on our behalf. These commissions and/or fees are paid by the provider to us and affect your fund balance. ### Fire & General Insurance For Fire and General insurance products, we are remunerated through **brokerage commissions**, which are **built into the premiums** by the insurer and **retained by us** for placing and servicing your cover. This does **not increase your premium**. When a client chooses to pay monthly through **premium funding**, we may also receive a **premium funding commission** — a small percentage paid to us by the premium funding provider for arranging and managing the facility. We also charge a **standard invoice fee of $17.25**, or **$26.45 for single vehicle insurance**, to help cover our administrative costs. If a policy has **no built-in brokerage commission**, we will apply a **fee equivalent to the standard commission** for that product type, added to the invoice fee. --- ## How Our People Are Paid Our staff are **salaried or waged** and do **not receive commissions directly** from insurers for insurance placement. However, some team members may receive **performance-based bonuses** as part of their overall remuneration package. These bonuses are **not linked to any particular provider or product**, but rather are based on **compliance, professionalism, and the quality of service provided** to clients. --- ## Third-Party Support At times, we may share a portion of our commissions with: - Other advisers or brokers whose expertise or relationships are instrumental in serving your needs - **Self-employed contractors** who provide services for, or through, Woodward Insurance Brokers Ltd All such arrangements are managed with a strong focus on ensuring **objective, professional, and compliant advice** and achieving **positive client outcomes**. --- ## Limitations on Our Advice **Kane** is a qualified insurance adviser and broker who can give advice regarding both Life / Health Risk covers and Fire and General Insurances. **Brody, Melissa, and Alayne** are qualified to give advice on fire and general products. **Bevan** can give advice about Life and Health Insurance as well as KiwiSaver. We all work as a team including support staff on insurance cases. We are **not qualified** to give advice on taxes, mortgages, legal matters, or investments. We are also **unable to give advice** on the following: - Securities - Any estate or interest in land - A futures contract It is recommended that you obtain advice from a **lawyer** for legal matters, an **investment adviser** for investment advice, and an **accountant** for tax advice before making any decisions pertaining to these areas. --- ## Our Duties and Obligations to You Under the Financial Markets Conduct Act 2013, we are bound to fulfil a number of duties to you, the client: - To put your interests first and to only recommend products most suitable for you. - To ensure you understand what sort of advice you will receive from us, and that this advice may be limited before giving it to you. - To exercise the same care, diligence and skill that any prudent adviser would in the same circumstances. - To meet the relevant competence standards and comply with continuing professional development requirements in the code of professional conduct. - To treat you fairly, to act with integrity, to give suitable financial advice, to ensure you understand this advice and to protect the privacy of your information. The Code of Conduct standards can be read here: [https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf](https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf) --- ## Complaints Policy and Conflict Resolution If you have a problem, concern, or complaint about any part of our service, please tell us so that we can try to fix the problem. Should you be dissatisfied with our financial advice services and wish to make a complaint, please contact us: - **Phone:** 0800 122 822 - **Email:** [email protected] - **Post:** The Manager, P.O. Box 8012, Invercargill 9845 We will acknowledge your complaint in writing and advise you on the steps being taken to resolve the issue. We will try to resolve your complaint quickly and fairly. Should we be unable to attend to your complaint within **2 working days**, we will advise you of this and endeavour to resolve the matter within **10 working days** of receipt. If you remain dissatisfied, you have the right to refer your complaint to our external complaints provider: ### Financial Services Complaints Limited (FSCL) **FSCL Membership Number: 2180** This service is free. - **Phone (NZ):** 0800 347 257 - **Phone (overseas):** +64 4 472 3725 - **Email:** [email protected] - **Website:** http://fscl.org.nz - **Postal Address:** Financial Services Complaints Limited, P.O. Box 5967, Lambton Quay, Wellington 6140 --- *No sub-documents were linked from this page. No professional indemnity insurer name or limit was stated on this page.* --- ## https://financeadvisers.co.nz/api/provider/FSP597769/disclosure.md > _Markdown transcription of Mortgageme Financial Services Queenstown Lakes Limited's Public Disclosure Statement, version 2026-05-18. Source: https://ymt.co.nz/assets/Your-Mortgage-Team-Limited-Disclosure-1.pdf._ --- # Your Mortgage Team (YMT) - Primary Disclosure Statement **Date:** 01 February 2024 **Version:** 3 **FSP Number:** 597769 --- ## NATURE AND SCOPE OF ADVICE Your Mortgage Team provides advice to our clients about mortgages, life and health insurance and KiwiSaver. Our financial advisers provide financial advice in relation to KiwiSaver, home and commercial mortgages, main bank and non-bank lending and life and health insurance. We only provide advice about products from certain providers: ### Mortgages We work with both main banks and second-tier lenders: - ANZ - Apricity - ASAP Finance - ASB - Avanti Finance - Bank of China - Basecorp Finance - Bluestone - BNZ - Clever Money - Cressida Capital - DBR - First Mortgage Trust - Funding Partners - Heartland Bank - Kiwi Bank - Liberty - Lock Finance - NZCU - Pepper Money - Plus Finance - Prospa - Resimac - SBS - Southern Cross Partners - Sovereign - Cooperative Bank - TSB - Westpac - XE Currency ### Life and Health Insurance We work with five companies: - AIA - Asteron Life - Fidelity Life - Partners Life - nib ### KiwiSaver and Investment Products We currently work with one company: - Generate KiwiSaver --- ## REFERRAL PARTNERS Occasionally, we will use a referral partner we are aligned with for your business. We will only do this where we have your express permission in advance. We receive a commission from these referral partners. --- ## FEES OR EXPENSES An explanation of any fees that might be charged for financial advice, including the circumstances which they may be payable. ### Mortgage Advice On occasion, some of our providers may not pay a commission. In this situation, Your Mortgage Team may charge a fee for mortgage advice in the event we act on your behalf in a transaction where do not receive a commission from the above-mentioned panel of providers, for reason by way of representing the client with a provider we do not hold an accreditation with, or for work completed by YMT that didn't result in the client using their advice, or where YMT is clawed back any commission paid within a 28 month period. Any such fee charged will be communicated as practically possible to the client in writing by the adviser. If such a fee is charged it will be for work performed by the adviser on the basis of processing the application and administration time, on the client's behalf, up to **$2,500 + GST**, unless otherwise agreed upfront by the parties. For non-bank advice and lending, there is an agreed upon broker fee between **1-2% of the overall lending**. The exact fee will be disclosed as per the lending offer. This is always charged where a non-bank lender is used. The fee will be payable by the client by the **20th of the month after an invoice is issued**. ### Life and Health Insurance Advice Your Mortgage Team may charge a fee for the financial advice provided to a client where the client cancels and life or health insurance policy within two years of inception. Whether a fee will be charged and the manner in which it will be charged will be advised when the advice is provided to the client. The fee will be payable by the client by the **20th of the month after the policy is cancelled**. ### Investment Advice If investment advice other than KiwiSaver is provided by one of our advisers, Your Mortgage Team will charge a fee for the financial advice provided. This fee will be calculated on the following basis: a **base fee of $1,500 + GST plus $100 + GST per hour after the first 10 hours**. This fee will be payable by the client by the **20th of the month following when the Statement of Advice is presented to the client**. --- ## CONFLICTS OF INTEREST AND INCENTIVES ### Mortgage Advice For mortgages, Your Mortgage Team and the financial advisers receive commissions from the banks with whom we arrange funding. If the client chooses to take out the mortgage or lending, the bank or finance provider will pay a commission to your financial adviser. The amount of the commission is based on the amount of the lending given. ### Life and Health Insurance Advice For life and health insurance, Your Mortgage Team and the financial advisers receive commission from the insurance companies on whose policies we give advice. If the client decides to take out an insurance policy, the selected insurer will pay a commission to YMT and your financial adviser. The amount of commission is based on the amount of the annual premium. This amount differs for each insurer YMT works with. ### Investment Advice For investment advice, in particular, KiwiSaver, Your Mortgage Team and the financial advisers receive commission from the KiwiSaver provider if you choose to join the KiwiSaver scheme they are affiliated with. The amount of commission on transfer or sign up is a set rate, and ongoing commission is a percentage based on the amount in the scheme. ### Managing Conflicts of Interest To ensure that our financial advisers prioritise our client's interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the client's goals and circumstances. All of our financial advisers and support staff undergo regular training and professional development about how to manage conflicts of interest. A compliance audit is undertaken in house once a year and a review of our compliance program is reviewed annually by a compliance adviser. --- ## DUTIES Your Mortgage Team, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way we give advice. We are required to: - Give priority to your interests by taking all reasonable steps to make sure our advice isn't materially influenced by our own interests. - Exercise care, diligence and skill when providing you with advice, and in our ongoing relationship. - Meet the standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services. These standards are designed to ensure we have the expertise needed to provide you with advice. - Meet the standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Services. These ae designed to ensure we treat you as we should and give you suitable advice. This is only a summary of our duties we are required to abide by. 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). --- ## COMPLAINTS HANDLING AND DISPUTE RESOLUTION If you have a problem, concern or complaint about any part of my service, please tell me so I can try and fix the problem. You may contact our internal disputes service: **Internal Disputes Service:** - **Phone:** 03 409 0700 - **Email:** hannah@ymt.co.nz - **Mail:** PO Box 2993, Wakatipu, Queenstown, 9300 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 more details surrounding the circumstances. - We aim to resolve complaints within **10 working days** of receiving them. If we can't, we will let you know, within that time frame, that 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 resolve to do so. ### External Dispute Resolution If we cannot agree on how to resolve the issue, or if you decide not to use the internal complaints scheme, you can contact the **Financial Services Complaints Limited (FSCL)**. This service will cost you nothing and it will help us to resolve any disagreements. **FSCL Contact Details:** - **Email:** complaints@fscl.org.nz - **Phone:** 0800 347 257 - **Mail:** FSCL, PO Box 5967, Wellington, 6145 --- ## CONTACT DETAILS **Your Mortgage Team Limited** (FSP 597769) is the financial advice provider. You can contact us at: - **Phone:** 03 409 0700 - **Email:** admin@ymt.co.nz - **Address:** Level 1, 311 Hawthorne Drive, Frankton, Queenstown, 9300 --- ## https://financeadvisers.co.nz/api/provider/FSP59941/disclosure.md > _Markdown transcription of Castle Trust Financial Planning Limited's Public Disclosure Statement, version 2026-05-24. Source: https://castletrust.co.nz/disclosure/._ --- # Disclosure Castle Trust Financial Planning is a Financial Advice Provider (FSP59941). --- ## Our Services We give advice in a range of different financial areas - complete financial plans or specific areas such as personal insurance, savings, investments, pension transfers or mortgages. We work as a team but all have areas where we specialise. As a result you may have different staff advising you at different points in the planning process. --- ## Products We Advise On - Personal insurance (e.g. life, trauma, income and mortgage protection, health) - KiwiSaver investments - Investment portfolios including lump sum and regular savings - Personal lending including mortgages - QROPS investments (for UK pension transfers) --- ## Products We Use We are able to use the products of almost any provider operating in the NZ market. These are the ones we currently choose to use. ### Insurance - AIA - Asteron - Chubb - nib - Fidelity - Partners Life - Southern Cross ### Investments - Consilium Platform - Synergy - Mercer - SuperLife - i-Select ### KiwiSaver - Mercer - Milford - SuperLife ### Mortgages - AIA/GoHome Loans - ANZ - BNZ - Coop Bank - KiwiBank - NBS - SBS - Westpac - \+ Non-bank lenders (see full list below) --- ## How We Get Paid The initial discussion is without advice, charge or commitment. ### Insurance For providing a client with insurance advice and the work involved in setting up a new policy, Castle Trust is paid initial commission from the insurance company used. Servicing commission is also paid over the years for providing ongoing advice. So there is normally no need for Castle Trust to charge clients when a new policy is taken out. We offer a review and second opinion service for clients with existing insurance not set up by Castle Trust who want to ensure their insurance is still the best fit for their needs. Our fee for this service is $250+GST per hour. If we find that the situation is more complex, we'll discuss with you and agree how to proceed. A list of commission rates can be seen at the end of this document. ### Investment and Savings Advice We have an initial three-meeting process for investment clients. Each meeting costs $100+GST and lasts about an hour. You can stop at any time. We charge a 1% establishment fee for funds invested. There is no initial set up fee for regular savings or KiwiSaver where we are also providing insurance advice. If we are planning stand alone savings advice, we charge in the same way as investment clients - three meetings of $100+GST per meeting. There is no charge to arrange the transfer of your UK pension to New Zealand. This table outlines the ongoing charges for investment advice paid to Castle Trust by the product providers by deduction from the funds invested. | Product | Ongoing Fee | |---|---| | KiwiSaver | 0.5% p.a. | | UK pension transfers | 1% p.a. | | Investments | 1% p.a. | ### Mortgages For providing clients with mortgage advice and the work involved in arranging or re-arranging a mortgage Castle Trust is paid commission or fee by the lender. In some cases a small renewal commission may also be paid. So there is normally no need for Castle Trust to charge clients for their mortgage advice. The amount of the commission is based on the amount of the mortgage and the rate of each lender – these can be seen at the end of this document. Where we arrange a mortgage with a non-bank lender there may be a fee charged to the client, however, this will be discussed and agreed beforehand. If a lending application is complex, we may charge an hourly rate for our time. This will be discussed and agreed before charges are incurred. If a mortgage is cancelled or refinanced within two years of settlement, we must repay some or all of the commission we have received. This is known as a clawback. This means we have essentially done the work for no pay. We therefore reserve the right to charge a fee for our time if a clawback is incurred. The fee will be the estimated amount of hours the mortgage took at an hourly rate of $250 per hour, capped at $2,500. We will invoice you for this fee and it will be payable on the 20th of the month following the clawback. If you are refinancing or selling your house, the best thing to do is immediately talk to your adviser and discuss if any clawback fees will be charged. ### Hourly Rate There are sometimes occasions where we need to charge for our time. This will be agreed beforehand. Our hourly rate is currently $250 +GST. Fees are subject to change, however, this will be discussed and agreed in advance. --- ## Conflicts of Interest We are here for our clients and to advise you as best we can. Your interests are our priority although we do have business relationships with product providers also. We also receive remuneration from some product providers such as commissions. We manage these conflicts of interest by ensuring that we prioritise your interests above our own. The advice we provide is based on understanding your goals and circumstances and providing recommendations which are based on research. 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 staff are paid on an hourly or salary structure. They are not paid commission. --- ## Our Complaints Process If you have a problem, concern or complaint about any part of our advice or service, please tell us so that we can try to fix the problem. Please contact the team member concerned or our internal complaints manager **Kathryn Alborough** who can be reached via email at [kathryn@castletrust.co.nz](mailto:kathryn@castletrust.co.nz) or 03 528 4184. If we cannot agree on how to fix the issue you can contact **Financial Services Complaints Limited (FSCL) – A Financial Ombudsman Service** at [fscl.org.nz](http://fscl.org.nz). This service will cost you nothing and will help us to resolve any disagreements. You can contact FSCL by emailing [complaints@fscl.org.nz](mailto:complaints@fscl.org.nz) or by calling 0800 347257. You can also write to them at PO Box 5967, Lambton Quay, Wellington 6145. --- ## Our Duty to You All advisers are bound by the duties of the Financial Markets Conduct Act to: 1. Meet the standards of competence, knowledge and skill set out in the Code of Conduct; 2. Give priority to the clients' interest; 3. Exercise care, diligence and skill; and 4. Meet the standards of ethical behaviour, conduct and client care set out in the Code of Conduct. --- ## Contact Castle Trust Financial Planning Phone: 03 544 1428 Email: [admin@castletrust.co.nz](mailto:admin@castletrust.co.nz) Address: 278 Queen Street, Next to the Library, Richmond --- ## Commissions ### Insurance Calculated as a percentage of annual premium. | Provider | Initial | Servicing p.a. | |---|---|---| | AIA | 95–120% | 15–20% | | Asteron | 80% | 30% | | Chubb | 50–76% | 30% | | Fidelity | 105% | 27.5% | | nib | 77% | 17% | | Partners Life | 108% | 25% | | Southern Cross | 30% | $167 | For general insurance referred to Aon, we receive 20% of the brokerage on new business and 10% on renewal. For general insurance referred to Tower, we receive 10% on new business and 5% on renewal. ### Mortgages Calculated as a percentage of loan value. | Lender | Initial | Trail p.a. | Refix | Specialist | |---|---|---|---|---| | AIA | 0.65% | 0.20% | $150 | | | ANZ | 0.85% | | $150 | 0.50% | | ASB | 0.85% | | $150 | | | Bank of China | 0.70% | | | | | BNZ | 0.55% | 0.15% | | | | China Construction Bank | 0.30% | | | 0.95% | | The Co-Op Bank | 0.70% | | $150 | | | Industrial Commercial Bank of China | 0.85% | | | | | KiwiBank | 0.55% | 0.15% | | | | Liberty | 0.60% | 0.15% | | 0.80% | | NBS | 0.70% | | | | | NZCU Baywide | 0.50% | | | | | Pepper Money | 0.60% | 0.15% | | 0.75% | | SBS | 0.70% | | $150 | 0.60% | | Westpac | 0.90% | | | | **Fee Based Finance Companies** | Lender | Fee | |---|---| | Southern Cross | 1% | | Cressida | 2% | | DBR | 1% | | ASAP | 2% | | Avanti | 1% | --- ## https://financeadvisers.co.nz/api/provider/FSP601909/disclosure.md > _Markdown transcription of Parka Insurances Limited's Public Disclosure Statement, version 2026-05-20. Source: https://parka.co.nz/_medias/b9c253fd-8e6a-498b-9252-40dae950e1e6/PARKA+-+Stage+1+Disclosure+-+Publicly+Available+-+v4+Dec+23.pdf._ --- # Parka Insurances Limited — Public Disclosure Statement *Prepared in line with the Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendment Regulations 2020* --- ## Licensing Information Parka Insurances Limited (FSP601909), trading as Parka Insurances holds a Class 2 licence issued by the Financial Markets Authority to provide financial advice. --- ## Nature and Scope of the Advice Parka Insurances provides advice to our clients about their Health and Life insurance (Personal & Business Risk Insurance). Our financial advisers provide financial advice in relation to Health and Life insurance (Personal & Business Risk Insurance). We only provide financial advice about products from certain providers: - **For Life Insurance**, we work with six insurance providers – AIA, Asteron, Chubb, Fidelity Life, Partners Life and PPS Mutual. - **For Health Insurance**, we work with five insurance providers – Unimed, AIA, NIB, Southern Cross, and Partners Life. --- ## Fees or Expenses Parka Insurances may charge a fee for the financial advice provided to a client in the following circumstances: - Where a client cancels a life, income, mortgage, trauma or health insurance policy within two years of starting the policy. Whether we charge a fee and how it will be charged will be advised when we provide the client's advice. This fee will be payable by the client by the 20th of the month after the policy is cancelled. - Where Parka does not receive a commission from an insurer. A one-off fee may be charged. Any such fee would be agreed and authorised by you in writing before services are completed and would be based on an estimate of the time spent providing the advice or service. --- ## Conflicts of Interest & Professional Incentives For Health and Life Insurance products, Parka Insurances and the Financial Adviser will receive commissions from the insurance companies on whose policies we deliver advice. If you decide to take out insurance, the insurer will pay a commission to Parka Insurances and your Financial Adviser. The amount of the commission is based on the amount of the premium. More detailed information is provided at the time advice is given. From time-to-time, insurance providers may also reward Parka Insurances for business we provide to them i.e. they may provide tickets to events, gift hampers, or offer minor incentives. To ensure that our Financial Advisers prioritise the client's interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the client's goals and circumstances. We further manage possible conflicts of interest by: - Avoiding any production requirements set by any one provider - Ensuring access to a range of insurance providers - Using third party product research tools as a part of our analysis - Having our processes audited annually by an external compliance adviser --- ## Complaints Handling and Dispute Resolution If you are not satisfied with our financial advice service, you can make a complaint by emailing **admin@parka.co.nz** or by calling: **04 974 5657**. You can also write to us at: Parka Insurances Ltd, 69B Discovery Drive, Whitby, Porirua 5024. 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact **Financial Disputes Resolution Scheme**. Financial Disputes Resolution Scheme provides a free, independent dispute resolution service that may help investigate or resolve your complaint, if we haven't been able to resolve your complaint to your satisfaction. You can contact Financial Disputes Resolution Scheme by: - **Email:** enquiries@fdrs.org.nz - **Phone:** 0508 337 337 - **Post:** Freepost 231075, P O Box 2272, Wellington 6140 --- ## Duties Information Parka Insurances, 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 isn't 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). --- ## Reliability History Parka Insurances Limited has not been subject to a reliability event. A reliability event is something that might materially influence you in deciding whether to seek advice from Parka Insurances Limited. As an example, it would include legal proceedings or bankruptcy. --- ## Contact Details Parka Insurances Limited (FSP601909 — trading as Parka Insurances) is the Financial Advice Provider. | | | |---|---| | **Phone** | 04 974 5657 | | **Email** | admin@parka.co.nz | | **Address** | 69B Discovery Drive, Whitby, Porirua 5024 | --- ## https://financeadvisers.co.nz/api/provider/FSP608669/disclosure.md > _Markdown transcription of Saturn Advice Limited's Public Disclosure Statement, version 2026-05-24. Source: https://saturnadvice.co.nz/important-information/._ --- # Important Information about Saturn Advice The following sections provide important information about Saturn Advice and are designed to help you determine whether Saturn Advice's proposition meets your needs. Please contact us if you have any questions. --- ## 1. Licensing Information Saturn Advice Limited (FSP608669) trading as Saturn Advice, holds a license issued by the Financial Markets Authority to provide financial advice. Saturn Advice's parent company, Saturn Portfolio Management Limited (FSP36264), is authorised to provide financial advice under the Saturn Advice license. --- ## 2. Services Provided by Saturn Advice Saturn Advice provides financial advice in relation to investments and financial planning. This includes managing investment portfolios for clients. Our financial advisers provide advice to clients in relation to managed investment schemes, exchange traded funds, some direct equities and bonds, cash, and KiwiSaver funds. Our financial advisers also provide advice on investing via Saturn's Discretionary Investment Management Service (DIMS) and through Saturn's Portfolio Superannuation Scheme. We recommend investments to clients that have been approved by our in-house investment committee which is supported by external investment research houses. We are not restricted in the investments we can advise on, providing they are legally available to New Zealand investors, are able to be administered using our 3rd party investment administration provider (NZX Wealth Technologies) and have been approved by our investment committee. We do not have supply/volume obligations with any investment manager. In addition, clients can self-select investments providing the investments are available on the NZX Wealth Technologies platform. Whilst we may make reference to insurance, mortgages and other financial products in the advice we provide, we do not advise on these products and clients will need to consult a specialist for advice on these. We provide general information on taxes associated with the investments we recommend and can provide general guidance on estate planning. However, we recommend clients consult a specialist in these areas where required. The financial advice we provide will vary based on each client's circumstances and requirements. This will range from determining a client's tolerance and capacity to take investment risk, through to the implementation and ongoing management of specific investment strategies designed to achieve their financial goals, including retirement planning. --- ## 3. How We Charge for Advice Saturn Advice charges fees for the advice it provides to clients. Fees are charged in two ways. 1. An hourly rate from **$350 (plus GST)** applies for general advice on investments and financial goals. The total cost will depend on the complexity of each client's situation as this affects the time required to prepare advice. Fees are payable by the client on or before the 20th of the month following when the Statement of Advice is provided to the client. 2. Fees are charged where Saturn manages investments on behalf of clients. These fees are calculated as a percentage of funds under advice and are deducted from client portfolios at the end of each calendar month. Percentage-based fees are as follows: | Funds Under Advice | Annual Fee (plus GST) | |---|---| | Up to $500,000 | 1.05% pa | | $500,001 – $1,000,000 | 0.75% pa | | Over $1,000,000 | 0.68% pa | For example, a client with $100,000 would pay $1,000 (plus GST) pa and a client with $1.2m would pay $10,110 (plus GST) pa. These fees exclude any percentage-based custody fees charged by Saturn Advice's investment administration platform provider. All percentage-based fees are disclosed to clients at the time of providing financial advice and before Saturn starts managing any investments. Other charges may apply depending on the investments included in each client's portfolio. These may include fund manager fees, brokerage when buying and selling listed investments and custody transaction charges for the purchase or sale of international listed assets. The above percentage-based fees are usually deductible against taxable income. Clients should take the appropriate tax advice for their own personal circumstances. For clients that are members of the Portfolio Superannuation Scheme (the Scheme), Saturn Advice receives a portion of the percentage-based fees charged by the Scheme for the advice it provides. The Scheme fees are disclosed to clients at the time of providing advice and before clients are accepted into the Scheme. The manager of the Scheme is Saturn Invest New Zealand Limited which, along with Saturn Advice, are wholly owned subsidiaries of Saturn Portfolio Management Limited. --- ## 4. How We Manage Potential Conflicts of Interest To ensure we prioritise client interests above our own: 1. Saturn Advice does not accept commissions or other payments from 3rd party providers on whose products we give financial advice. 2. All employees working for Saturn Advice, including our financial advisers, are paid salaries. Employees are not incentivised by bonuses or other incentives to meet sales or other targets relating to the advice we give. 3. Saturn has policies for conduct and ethics, managing conflicts of interest and the receipt of gifts and hospitality, with the latter requiring any material gifts or hospitality to be entered into a register and approved by management. From time to time, product providers and suppliers of services may provide us with tickets to sports events, hampers, or provide other forms of entertainment. 4. We follow an advice process that ensures our recommendations are made on the basis of each client's goals and circumstances. This includes the recommendation of investments approved by Saturn's investment committee. 5. Where we recommend services or products managed by other parts of the Saturn group of companies (for example, the Portfolio Superannuation Scheme), we disclose this relationship to clients. --- ## 5. Our Complaints Handling Process If you are not satisfied with our financial advice service you can make a complaint by: - **Speaking** with one of the Saturn Advice team - **Emailing:** admin@saturnadvice.co.nz - **Calling:** 0800 757 858 - **Writing to:** P O Box 68 355 Victoria St West, Auckland 1142 Any complaints are investigated in person by the Managing Director of Saturn Advice. This includes investigating the background to the complaint, discussing with Saturn staff (and external service providers where applicable), considering actions to resolve the complaint and importantly, looking at ways to improve our service so the issue does not occur in the future. The Managing Director will acknowledge your complaint in writing as soon as practicable; and - If the complaint can be addressed immediately, explain what actions have been taken to resolve your complaint, or - Advise what actions are being taken to resolve your complaint and the expected time-frame. The Managing Director will let you know when your complaint has been resolved. All complaints are recorded in Saturn's Complaints Register and reported to Saturn's board of directors. If we cannot resolve your complaint, or if you are not satisfied with the outcome, you can contact the **Insurance and Financial Services Ombudsman Scheme**. They provide a free, independent dispute resolution service that may help investigate or resolve your complaint if we haven't been able to resolve your complaint to your satisfaction. **Insurance and Financial Services Ombudsman Scheme** - **Email:** info@ifso.nz - **Phone:** 0800 888 202 - **Post:** PO Box 10845, Wellington 6143 --- ## 6. Duties Under the Financial Markets Conduct Act 2013 Saturn Advice, 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 isn't 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). --- ## 7. Contact Details Saturn Advice Limited (FSP608669) trading as Saturn Advice is the Financial Advice Provider. Contact details are available at: https://saturnadvice.co.nz/contact/ --- *Updated 29 April 2026* --- ## https://financeadvisers.co.nz/api/provider/FSP624289/disclosure.md > _Markdown transcription of Surecapital Investments Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.everbright.co.nz/publicly-available-disclosure/._ --- # Publicly Available Disclosure — EverBright Finance --- ## Licensing Information Link Financial Group 2022 Limited (FSP1004590) holds a licence issued by the Financial Markets Authority to provide financial advice. **SureCapital Investments Limited trading as EverBright Finance (FSP624289)** is authorised by that licence to provide financial advice. --- ## Contact Details Link Financial Group 2022 Ltd is the Financial Advice Provider. **Phone:** 0800 466 784 **Email:** admin@lfg.co.nz **Address:** 1/1 Antares Place, Rosedale, Auckland --- ## Nature and Scope of Advice **EverBright advisers provide lending advice relating to:** - Mortgages and personal lending. - Commercial and project lending. - Determining how much you can afford to borrow. - Selecting an appropriate lender and mortgage structure. - How to structure your repayments to pay off your mortgage sooner. - Structuring and refixing your current lending. **We provide advice in relation to the following lending products:** - Mortgages - Personal loans/debt consolidation - Top ups - Fixed rate rollovers - Business/commercial loans - Construction loans/project finance **EverBright advisers provide insurance advice relating to:** - Personal insurance (risk), including health insurance. - Business Risk Insurance (Key Person, Shareholder Protection benefits, Business Overheads/Expenses) - ACC advice. **We provide advice in relation to the following insurance products:** - Life insurance - Trauma insurance - Total and permanent disability insurance - Income Protection insurance - Mortgage and household expenses cover - Health/medical insurance --- ## Providers We provide advice in relation to products provided by the following companies: **Bank Lenders:** - ANZ - BNZ - ASB - Westpac - Kiwibank - Bank of China - Heartland Bank - SBS Bank - The Co-operative Bank - China Construction Bank - ICBC - TSB **Non-Bank Lenders:** - AIA - ASAP Finance - Avanti Finance - Basecorp Finance - Bizcap - CFML Loans - Cressida Capital - DBR - Fico Finance - Finbase - General Finance - Get Capital - Prospa - Metro Finance - MB Private - NBS - Link Home Loans - Liberty Finance - First Mortgage Trust - Funding Partners - Gold Band Finance - Go Lend - OxFord Finance - Pioneer Finance - Pallas Capital - Southern Cross Partners - Pepper Money - Property Funding Partners - Strata Funding - Unity - XE - Zagga - Vincent Capital - Property Funding Trustees - Simplify - Welcome Limited - Xceda EverBright has relationships with a wide array of lenders across the market. If it suits your needs, we may partner with a lender not on the above list. This will be discussed with you in advance. **Insurers:** - AIA - Fidelity Life - Accuro Health Insurance - nib - Asteron Life - Partners Life - Chubb - Southern Cross --- ## Fees and Expenses Generally, we do not charge you a fee for our services. This is because our advisers are usually remunerated by way of commission by the providers of products we recommend. However, there are some situations where fees may apply. - On occasion, some providers may not pay a commission. In this situation, we may charge a fee. For mortgages, this fee can be added to your loan amount and will be paid at the time your loan is advanced. - Where your adviser has obtained approval from a lender or insurer who does pay commission, but you decide not to proceed with the advice, we may charge you a fee based on a fair reflection of the time required to provide you with advice and obtain approval for you. - For lending advice, should you proceed with a loan implementation after advice from your adviser, and then repay or refinance your loan within 28 months of your loan being advanced, without giving your adviser the opportunity to assist you with a refinance, we may charge you a fee for the time spent to get the initial loan approved and implemented. - For insurance advice, should you proceed with a policy implementation after advice from your adviser, and then cancel, amend, or change your policy within two years of inception, without giving your adviser the opportunity to assist you with these changes, we may charge you a fee for the time spent to provide advice and obtain approval on your behalf. - We may charge a fee in addition to the commissions that we receive in situations where advice is complex, or we are required to work outside of our normal working hours. Any fees relating to advice that may apply will be discussed and agreed with you prior to obtaining loan approval. Where a fee is charged, you will be issued with an invoice. This will be payable within 14 days or as otherwise agreed to with your adviser. --- ## Conflicts of Interest We receive commissions from some of the lenders and insurers that we recommend. For lending, the amount of commission is based on the amount of the loan and will vary depending on the lending provider. For insurances, the amount of commission is based on the amount of premium associated with your cover and may vary depending on the insurer. Specific commissions will be advised to you when advice is provided. 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 the client's interests above their own, we follow an advice process that ensures our personalised recommendations are made on the basis of the client's goals and circumstances, as advised to us. Our financial advisers complete regular training, including how to manage conflicts of interest. Each adviser has a regular compliance review of their advice process. --- ## Disputes and Complaints If you are not satisfied with our financial advice service you can make a complaint to our licence holder by emailing complaints@lfg.co.nz, or by calling 0800 466 784. You can also write to us at: Unit D, 1/1 Antares Place, Rosedale, Auckland. When we receive a complaint, we will consider it using 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 cannot, 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 Disputes Resolution Scheme (FDRS)**. FDRS 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. **FDRS Contact:** - Phone: 0508 337 337 - Email: enquiries@fdrs.org.nz --- ## Duties Information EverBright Finance, and anyone who gives financial advice on our behalf, has 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 (431K) - Exercise care, diligence, and skill in providing you with advice (431L) - 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) (431I) - 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). --- *This disclosure is provided by SureCapital Investments Limited trading as EverBright Finance (FSP624289), authorised under the licence held by Link Financial Group 2022 Limited (FSP1004590).* --- ## https://financeadvisers.co.nz/api/provider/FSP625529/disclosure.md > _Markdown transcription of Moneykart Limited's Public Disclosure Statement, version 2026-05-18. Source: https://www.moneykart.co.nz/_files/ugd/005bf1_bb6823acb4834afd9679a642cb2ce620.pdf._ --- # DISCLOSURE ## LICENSING INFORMATION Moneykart Limited (FSP 625529) holds a License issued by the Financial Markets Authority to provide financial advice. ## NATURE AND SCOPE OF THE ADVICE Moneykart Limited's financial advisers provide financial advice to our clients about their mortgages, life insurance, health insurance. Our financial advisers provide financial advice in relation to these financial advice products. We only provide financial advice about products from certain providers: - **For mortgages**, we work with banks and non-bank lenders ANZ, Apricity Finance, ASAP Finance, ASB, Avanti Finance, Asset Finance, Admiral Finance, Basecorp Finance, BNZ, CFL, Cressida Capital, DBR, Funding Partners, Geneva Finance, Gold Band Finance, Kiwi Bank, Lock Finance, MBG, Oxford Finance Pepper Money, Plus Finance, Prospa, Resimac, SBS Bank, Southern Cross Partners Limited, Westpac. This list of lenders may change from time to time. - **For life insurance**, we work with four companies – AIA, Chubb, Fidelity Life, Partners Life - **For health insurance**, we work with NiB. - **In providing you with financial advice**, we will only consider existing term life, trauma, income protection and health insurance policies (if any). We will not provide advice on existing whole of life or endowment products, so you will need to consult a specialist if you would like advice on those products. This list of Insurance service providers may change from time to time. - **For Fire & General insurance**, we work with Tower and Blanket insurance (underwritten by Ando). - **For Kiwisaver**, we work with Generate and NZ Funds. ## FEES OR EXPENSES Generally, Moneykart and our Financial Advisers don't charge you any fees for the advice and transactional solutions provided to you. This is possible because they usually receive commission from the applicable product provider as described above. There are exceptions to this general position which are explained below. Moneykart is paid a single 'upfront' commission (percentage of the loan facility), an ongoing (trail) commission (percentage of the loan facility), or a mix of both. This is paid to us by the Lender, when arranging finance or by the insurance provider while arranging for cover. ### One-off Fees You may be charged a one-off fee in the following situations: - This may arise in the rare event that you request services in relation to either a product that is offered by a provider that Moneykart Limited or the Financial Adviser does not hold an accreditation with, or a product that is outside our usual arrangements with our product providers. - If you request services in relation to a product or service and Moneykart or its Financial Adviser does not receive a commission. Any such fee would be agreed and authorised by you in writing before the services were completed and would be based on an estimate of the time spent providing the advice. - Moneykart's role as Advisers is to secure a loan offer as per your application. In the event that you choose not to proceed with the offer provided, Moneykart reserves the right to charge a minimum of $1,500* for cost recovery of the time spent in advice, negotiation, and administration of the loan offer. *This has been calculated on an average of 6 hours of advice, negotiation, and administration to complete and submit your loan to the provider, at our hourly rate of $217.50.00 per hour + GST. ### Claw backs (Repayment of commissions) If a mortgage is repaid within 27 months of your mortgage settlement, Moneykart will have to repay some of the 'upfront' commission received. This has to be repaid to the Lender. This is known as 'commission claw back'. If Moneykart is charged with a commission claw back, due to early settlement of the mortgage arranged for you, then Moneykart will ask you to repay to Moneykart the commission that has become repayable to the Lender, and cost of service to a maximum of $3,000.00* (incl GST), for the service provided. *This has been calculated on an average of 12 hours of advice, negotiation, and administration to complete and submit your loan application to the provider, at our hourly rate of $217.50.00 per hour + GST. Cost recovery only applies if Moneykart is not given the opportunity to arrange the refinance. If Moneykart is charged with a commission claw back, due to cancellation of an insurance policy arranged for you before 24 months, then Moneykart will ask you to repay to Moneykart the commission that has become repayable to the insurer. We will also charge a service fee if our client cancels the insurance within 24 months. The fee will depend on the annual premium for the insurance. In any case, it will not be in excess of $3000 (incl GST). ### No Fee Payable If - Moneykart was given the opportunity, but was unable to get a subsequent finance approval - An upfront fee was agreed and paid by the Client when the mortgage was originally drawn, and no commission was received. This would be the case with most short-term loan contracts. - In Moneykart's opinion, the early repayment of the mortgage was driven by an exceptional change of circumstance for the Client. Commission claw backs are in no way associated with any Broker fee Moneykart may have charged for arranging non-Bank lending. ### Referral Payments You acknowledge that Moneykart or it's financial advisers may make payments to persons who refer clients or customers to Moneykart. Any such payments will be made at the sole and absolute discretion of Moneykart and are not detrimental to Moneykart's clients. ### Expense Recovery Moneykart reserves the right to recover from you all expenses and legal costs incurred by Moneykart (including solicitor/client costs and debt collector's costs) in relation to obtaining or seeking to obtain remedy of default in payment by you and the enforcement of the contract. ## CONFLICTS OF INTEREST AND INCENTIVES Moneykart and the financial adviser may receive commission payments from the relevant product provider on whose products our financial advisers give financial advice, as follows: **For loan products:** Moneykart may receive commissions of between 0.1% and 1% of the value of the mortgage – the amount depends on which lender and which type of mortgage you choose. In addition, Moneykart may also receive a commission payment of between 0.1% and 1% of the remaining loan balance each year. **For insurance products:** Moneykart may receive commissions of between 50% and 230% of the first year's premiums on your insurance policy – the amount depends on which insurance company and which insurance policy you choose. Moneykart may also receive a commission payment of between 1% and 5 % of the premium for each year the insurance policy remains in force. To ensure that our financial advisers prioritize 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 undertake a compliance audit, and a review of our compliance program is managed by our aggregator. ## COMPLAINTS HANDLING AND DISPUTE RESOLUTION If you are not satisfied with our financial advice service you can make a complaint by emailing info@moneykart.co.nz or by calling: 022 09 65278. Please use the Complaints and Feedback form available on our website www.moneykart.co.nz and send in your complaint via email or to 8 Dainton Place, New Lynn, Auckland 0600. 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact Fairway Disputes Resolution Scheme (FDRS). FDRS provides a free, independent dispute resolution service that may help investigate or resolve your complaint, if we haven't been able to resolve your complaint to your satisfaction. You can contact Fairway Disputes Resolution Scheme (FDRS) by emailing enquiries@fdrs.org.nz, or by calling: 0508 337 337. You can also write to them at: 142 Lambton Quay Wellington, City, Wellington 6011 ## DUTIES INFORMATION Moneykart Limited, 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 isn't 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 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 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 https://www.fma.govt.nz ## CONTACT DETAILS Moneykart Limited (FSP625529) is the Financial Advice Provider. You can contact us at: - **Phone:** 09 827 7887 or 022 09 65278 - **Email:** info@moneykart.co.nz - **Address:** 49, Te Tihi Street, Wiri, Auckland 2104 --- Disclosure 01052026 --- ## https://financeadvisers.co.nz/api/provider/FSP627069/disclosure.md > _Markdown transcription of Finsol Financial Services Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.finsol.co.nz/legal/disclosure-statement._ --- # Disclosure Statements | Finsol At Finsol, transparency is fundamental to our service. As licensed Financial Advice Providers, we provide these disclosure statements to outline our services, fees, and commitment to professional standards. --- ## Finsol Financial Services Limited ### Financial Advice Provider Details - **Entity:** Finsol Financial Services Limited - **FSP Number:** FSP627069 - **Phone:** 0800 346 765 - **Email:** compliance@finsol.co.nz - **Head Office:** 9 Customs Quay, Ahuriri, Napier --- ### Licensing Information Finsol Financial Services Limited (trading as Finsol Financial Advisers) is licensed by the Financial Markets Authority (FMA) to provide financial advice services. You can find us on the Financial Services Register under FSP627069. --- ### Nature and Scope of Our Advice We focus solely on Life and Health Insurance, Investments, KiwiSaver, General Financial Advice and Mortgages. Our partner company (Finsol Commercial Insurance Limited) focuses on Fire and General insurance. **Services Provided:** - Lifestyle Insurance - Business Insurance - Home loans and mortgages - KiwiSaver advice and investment portfolio advice - Australian Superannuation and UK Pension Transfers - Financial review **Insurance Providers:** AIA, Accuro, Asteron Life, Chubb Life, Fidelity Life, NIB, Partners Life, PPS Mutual, and Southern Cross. **Lending Providers:** ANZ, ASAP Finance, ASB, Avanti, Bluestone, BNZ, Cressida, DBR, First Mortgage Trust, Heartland, Kiwibank, Liberty, NZCU, Resimac, SBS, Sovereign, The Co-operative Bank, and Westpac. **KiwiSaver Providers:** Booster, Pathfinder, Milford, Kōura, Generate, Fisher Funds, Kernel Wealth, QuayStreet, and Mercer (pending). **Investment Providers:** Consilium, Milford, Generate, Pathfinder, and QuayStreet. --- ### Commission and Fees In many cases, our services are provided at no direct cost to you, as we are remunerated by product providers or lenders. Where advice does not result in provider remuneration, or where additional work is required, an advice fee may apply. Any fees will always be clearly outlined, agreed in writing, and confirmed before any work begins. Fees are typically invoiced at the point advice is delivered or when an application has been submitted, depending on the nature of the engagement. #### Insurance – commission paid by the insurer - Initial commission ranges from 30% to 230% of the first year's premium - Ongoing commission ranges from 5%–30% of the annual premium - Group Schemes may pay up to 15% of the annual premium #### Insurance advice fees Where a detailed insurance review is completed, and no product placement occurs, a fee of **$250 + GST per hour** may apply. An estimate of time and total cost will be provided and agreed in writing before any work begins. Any applicable fee will be invoiced once the relevant paperwork associated with your recommended changes has been submitted to the insurer. If you choose not to proceed with the recommended changes, the fee may be invoiced once your advice has been provided. #### ACC Administration Services We may assist eligible clients with the setup and ongoing management of ACC CoverPlus Extra. This can include liaising with ACC, making changes to occupation classifications, managing policy adjustments or cancellations, responding to ACC queries, and assisting with reapplications where cover has lapsed. While initial setup may be provided at no cost, ongoing administration may incur a fee where additional work is required, including where reapplication for ACC CoverPlus Extra is needed. Any applicable fee will be discussed with you in advance. We will provide an estimate of the time and total cost, which will be agreed before any work begins. Fees may be charged on a fixed fee or hourly basis, depending on the nature and complexity of the work. This service is administrative in nature and does not constitute personalised financial advice. #### Lending – commission paid by the lender - Initial commission ranges from 0.45%–0.90% of the loan amount - Ongoing commission ranges from 0%–0.20% of the remaining balance #### Lending advice fees In some situations, a fee may apply, including complex lending, lenders that do not pay commission, bridging finance, or where an application does not proceed. - $250 + GST per hour, or - 0.75% to 1.50% of the loan amount, depending on the situation All fees will be clearly outlined and agreed upon in writing before any work begins. Where a fee applies, this will be invoiced at an appropriate stage of the process, typically upon loan approval or drawdown. #### KiwiSaver Costs In most cases, we are remunerated by the provider through an adviser fee rebate. This means there is no additional cost to you for working with us, as our remuneration is paid from the provider's existing fee structure. Typical remuneration ranges from **0.20% to 0.50% per annum** of your balance. In some cases, where a provider does not offer an adviser fee rebate, an advice fee is applied in addition to the provider's underlying fees: - **Kōura:** 0.30% per annum - **Kernel Wealth:** 0.25% per annum These are deducted from your investment and will be clearly disclosed. #### Investment Advice Where investment advice is provided, an advice fee will apply for the preparation of your personalised investment recommendations. Our fee is **$250 + GST per hour**. Based on your situation, we will provide an estimate of the time required before any work begins. Most investment advice engagements typically require between 2 and 4 hours. - Trust application fee of $250 + GST may apply - Ongoing servicing fee ranges from 0.30% to 0.50% per annum All scope, estimated time, and cost will be agreed in writing before any work commences. The advice fee will be invoiced once your investment recommendations have been prepared and presented. #### Australian Super - One-off transfer service fee of **$500 + GST**, invoiced once your application has been submitted to the relevant provider #### UK Pension Transfer - One-off transfer service fee of **$1,000 + GST**, invoiced once your application has been submitted to the relevant provider - Ongoing servicing fee of 0.20% per annum #### Complimentary Initial Financial Review Your initial consultation is provided at no cost. This meeting is designed to understand your position, identify key risks and opportunities, and determine how we can add value. No detailed analysis or written recommendations are provided at this stage. #### Advice Fee for General Guidance Where personalised financial advice or strategy is required and does not result in provider remuneration, a fee of **$250 + GST per hour** will apply. We will provide an estimate of the time required, typically expressed as a range, and confirm the total expected cost before any work begins. Where additional work is required outside the agreed scope, this will be discussed and approved before proceeding. Fees will be invoiced once your advice and recommendations have been provided. Payment terms may include a deposit prior to work commencing, with the balance payable on completion. **Important:** No advice work will be undertaken until the scope, fees, and engagement have been clearly agreed in writing. --- ### Conflicts of Interest and Incentives - We are generally paid by providers for placing insurance, implementing investments, or securing loans — not by you. - We don't accept incentive gifts, except for occasional small seasonal gifts. We are not tied to any provider and always prioritise your best interests. - We do not pay or receive referral fees. Where we refer you to other professionals, this is based solely on the quality of their service and their ability to meet your needs. - All team members complete annual conflict-of-interest training, and we maintain a formal register. We also undergo regular external compliance audits. --- ### Our Six-Step Advice Process 1. Build the client relationship 2. Gather goals and information 3. Analyse your financial position 4. Provide written recommendations 5. Implement your plan 6. Ongoing reviews and updates --- ### Duties Information Under the Financial Markets Conduct Act 2013, we are committed to: - Giving priority to your interests by taking all reasonable steps to ensure our advice is not materially influenced by our own interests; exercising care, diligence, and skill in providing you with advice. - Meeting standards of competence, knowledge, and skill as set by the Code of Professional Conduct for Financial Advice Services. - Meeting standards of ethical behaviour, conduct, and client care as set by the Code of Professional Conduct for Financial Advice Services. For more details on these obligations, feel free to contact us or visit the FMA website. --- ### Reliability History Finsol and its advisers have no record of public discipline, convictions, civil proceedings, bankruptcy, or insolvency. --- ### Complaints #### Internal Complaints Process If you have a concern, contact your adviser first, who will do their best to resolve it satisfactorily. If unresolved, contact our compliance manager or submit your complaint: - **Name:** Anne Oldham - **Email:** complaints@finsol.co.nz - **Phone:** +61 410 399 722 We'll acknowledge your complaint within 24 hours and follow our internal process: - Assess the issue and advise on next steps - Request more details if needed - Aim to resolve within 10 working days - If more time is needed, we'll provide updates - We'll contact you with the outcome via phone or email #### External Complaints Process If you're not satisfied with our response, you can contact our dispute resolution scheme: - **Scheme:** Financial Services Complaints Ltd (FSCL) - **Phone:** 0800 347 257 - **Email:** info@fscl.org.nz - **Post:** PO Box 5967, Lambton Quay, Wellington 6145 - **Website:** www.fscl.org.nz This service is free and independent. --- ### Professional Indemnity Finsol is covered by Professional Indemnity Insurance underwritten by **Dual New Zealand**. Terms, conditions and exclusions apply. --- --- ## Finsol Commercial Insurance Limited ### Financial Advice Provider Details - **Entity:** Finsol Commercial Insurance Limited - **FSP Number:** FSP627069 - **Phone:** 0800 346 765 - **Email:** compliance@finsol.co.nz - **Head Office:** 4B Bute Road, Browns Bay, Auckland --- ### Licensing Information Finsol Commercial Insurance Limited operates as a registered financial advice provider (Authorised Body) under a full license granted on 20 December 2023, with registration number FSP627069. Our work is regulated by the Financial Markets Authority (FMA). Our team at Finsol are authorised to deliver financial advice services under the Financial Advice Provider Class 2 License held by **Community Broker Network Limited (CBN NZ)**, FSP registration number **FSP1003687**. --- ### Nature and Scope of Our Advice Our advisers are skilled in providing guidance on a variety of insurance products — commercial, domestic, and personal, often grouped as Fire and General Insurance. We're here to help you protect your income, assets, and liabilities, reducing the financial impact if the unexpected happens. We focus solely on Fire and General Insurance, and our partner company (Finsol Financial Services) gives advice on Life and Health Insurance, Investments, KiwiSaver, Health Insurance, General Financial Advice and Mortgages. Currently, there are no limitations on our advice scope. Should any arise, we will inform you transparently. CBN NZ is affiliated with Steadfast NZ Limited (Steadfast), which supports us in delivering high-quality advice through purchasing advantages and enhanced service support. **Products covered include:** - Domestic Property and Contents Insurance - Business and Commercial Packages - Liability Insurance - Motor and Vehicle Insurance - Cyber and Data Protection - Specialised Plant and Equipment - Marine Insurance - Travel Insurance - Event Insurance - Contract and Project Insurance - And more **Commercial Insurance Providers:** - 360 Underwriting as Underwriting Agents - AIG - AIG Insurance New Zealand Limited - Ando Insurance Group Limited (The Hollard Insurance Company Pty Limited) - Ando Insurance Group Ltd (on behalf of certain underwriters at Lloyds) - AWP Services New Zealand Ltd t/as Allianz Partners (The Hollard Insurance Company Pty Ltd) - Berkshire Hathaway Specialty Insurance Company - Bounce Insurance Limited on behalf of certain underwriters at Lloyds - CFC Underwriting Limited - Chubb Insurance New Zealand Limited - Classic Cover Insurance underwritten by Lumley, a business division of IAG - Club Auto Insurance (NZ) Limited - Cover-More (NZ) Ltd - Delta Insurance New Zealand Limited as Coverholders of Lloyds - Dual New Zealand Limited as Underwriting agents for HDI Global - Dual New Zealand Limited as Underwriting agents for Lloyds - Emergence NZ Ltd - IAG New Zealand Ltd - Insurance Underwriters (NZ) Limited - Market Lane Insurance Group (NZ) Limited - Mecon Insurance Limited - Nautilus Marine Underwriting Agency Ltd - NM Insurance - NZ Underwriting Agencies - Protecsure Pty Ltd as agents of Chubb Insurance Company of Australia Limited - QBE Insurance (Australia) Limited - Solution Underwriting Agency Pty Ltd - Star Insurance Ltd as Underwriting Agents for Vero Insurance New Zealand Ltd - Star Insurance Ltd as Underwriting Agents for Berkshire Hathaway Specialty Insurance - TAI, a division of Insurance Wholesale Limited on behalf of certain underwriters at Lloyds - TLC Insurance Ltd as Underwriting Agent for Vero Liability - TLC Insurance Ltd as Underwriting Agents for Berkshire Hathaway Specialty Insurance - Totara Property Insurance as Underwriting Agents of IAG New Zealand Limited - UAA New Zealand as Underwriting Agency of QBE Insurance (International) Limited - Vero Insurance New Zealand Limited - Vero Liability Insurance Limited - Vero Marine Insurance, an operating division of Vero Insurance New Zealand Ltd - Zurich Australian Insurance Limited (ZAIL) - And more --- ### Commission and Fees We are typically remunerated by the insurer for arranging a product, at no expense to you. In some situations, we may need to charge a fee for our time or services. If this applies, we will advise you in advance, outline the nature and amount of the fee, and seek your approval before any work proceeds. **Insurance commission (paid by insurer):** | | Rate | |---|---| | Initial | Up to 28% of the annual premium | | Renewal | Up to 28% of the annual premium | **Insurance advice fees (if applicable):** If we receive no commission and you still wish to proceed, a fee amount for the service will be agreed in writing before we begin. --- ### Conflicts of Interest and Incentives - We are generally paid by providers for placing insurance, not by you. - We don't accept incentive gifts, except for occasional small seasonal gifts. We are not tied to any provider and always prioritise your best interests. - All team members complete annual conflict-of-interest training, and we maintain a formal register. We also undergo regular external compliance audits. - CBN NZ retains a portion of the income for professional support to us. --- ### Our Six-Step Advice Process 1. Build the client relationship 2. Gather goals and information 3. Analyse your financial position 4. Provide written recommendations 5. Implement your plan 6. Ongoing reviews and updates --- ### Duties Information Under the Financial Markets Conduct Act 2013, we, CBN NZ, and anyone advising on our behalf are committed to: - Giving priority to your interests by taking all reasonable steps to ensure our advice is not materially influenced by our own interests - Exercising care, diligence, and skill in providing you with advice - Meeting standards of competence, knowledge, and skill as set by the Code of Professional Conduct for Financial Advice Services - Meeting standards of ethical behaviour, conduct, and client care as set by the Code of Professional Conduct for Financial Advice Services For more details on these obligations, feel free to contact us or visit the FMA website. --- ### Reliability History Finsol and its advisers have no record of public discipline, convictions, civil proceedings, bankruptcy, or insolvency. --- ### Complaints #### Complaints Process If you have a concern, contact your adviser first, who will do their best to resolve it satisfactorily. If unresolved, contact our compliance manager or submit your complaint: - **Name:** Anne Oldham - **Email:** complaints@finsol.co.nz - **Phone:** +61 410 399 722 We'll acknowledge your complaint within 24 hours and follow our internal process: - Assess the issue and advise on next steps - Request more details if needed - Aim to resolve within 10 working days - If more time is needed, we'll provide updates - We'll contact you with the outcome via phone or email Full Complaints and Disputes process: https://cbnnz.nz/complaints-process/ --- ### Professional Indemnity Finsol is covered by Professional Indemnity Insurance underwritten by **Dual New Zealand**. Terms, conditions and exclusions apply. --- *Note: The page references a complaints submission form at https://www.finsol.co.nz/complaints/ — this is a linked sub-page not reproduced here.* --- ## https://financeadvisers.co.nz/api/provider/FSP629209/disclosure.md > _Markdown transcription of Finance Hq Limited's Public Disclosure Statement, version 2026-05-24. Source: https://financehq.co.nz/about-us/._ --- # Finance HQ – About Us / Public Disclosure Statement --- ## About Finance HQ Limited Finance HQ Limited is a New Zealand owned business. **FSP Number:** 629209 **Trading name:** Finance HQ **Licence type:** Class 2 licence issued by the Financial Markets Authority (FMA) to provide financial advice. --- ## The Finance HQ Difference ### Customer First We focus on the customer first. Our goal as a company is to deliver exceptional service to our customers every time. This is shown through our multiple 5-star reviews on Google. ### Dedicated Broker You will get a dedicated Finance HQ broker who will look after all of your finance needs. You will have one point of contact, making the process easy. Let us help you get the best deal. ### Easy Process Our team will go to market across our extensive range of financiers and find you a competitive finance package. We will make the finance process simple & easy. --- ## Dispute Resolution Scheme Finance HQ is a member of **The Financial Services & Complaints Disputes Resolution Scheme**. --- ## Our Team ### Jason – Financial Advisor Jason previously worked for GE Equipment Finance and most recently ran the northern region for BNZ Asset Finance. Jason left the corporate world to set up Finance HQ, focusing on helping more NZ'ers to get access to sharper finance rates and a better customer experience. - **Phone:** 0800 704 738 - **Email:** jason@financehq.co.nz --- ### Bill – Financial Advisor Prior to joining Finance HQ, Bill worked for UDC, Kiwi Bank and most recently ran the Canterbury region for BNZ Asset Finance. Bill is highly valued by his customers and provides excellent customer service. Bill is an ex-mechanic and has a passion in all things trucks, plant and equipment. - **Phone:** 022 498 4727 - **Email:** bill@financehq.co.nz --- ### Adrian – Financial Advisor Prior to joining Finance HQ, Adrian worked for ORIX NZ for eight years, where he was the National Sales Manager and part of their Senior Leadership Team. Adrian also previously worked for Fleet Partners, Custom Fleet, Toyota Financial Services, BNZ and ASB Bank. - **Phone:** 021 090 22036 - **Email:** adrian@financehq.co.nz --- ### Rajneeta – Financial Advisor Prior to joining Finance HQ, Rajneeta worked with UDC for 18 years and was an integral part of the UDC direct sales team. Rajneeta is very active in the Indian community in New Zealand and she has supported many customers to grow over the last two decades. - **Phone:** 021 130 6020 - **Email:** rajneeta@financehq.co.nz --- ### Daniel – Financial Advisor Daniel has previously worked for some of the world's largest finance companies in GE Capital, Barclays Bank and Wells Fargo and most recently Flexi Commercial. Daniel is now focused on helping local businesses grow and succeed. - **Mobile:** 021 027 92244 - **Email:** daniel@financehq.co.nz --- ## Head Office **Level 9, 4 Williamson Avenue, Grey Lynn, Auckland 1021** Our head office is based in Auckland; however, we have local dedicated brokers throughout New Zealand to help with your finance needs. --- ## Legal & Compliance | Item | Detail | |---|---| | Company | Finance HQ Limited | | FSP Number | 629209 | | FMA Licence | Class 2 – Financial Advice Provider | | Dispute Resolution Scheme | Financial Services & Complaints Disputes Resolution Scheme | --- *© All Rights Reserved by Finance HQ Limited | FSP: 629209* --- ## Linked Sub-Documents > The following disclosure-related pages are referenced on this site but their full content is not reproduced here: > > - **Important Information** – [https://financehq.co.nz/important-information/](https://financehq.co.nz/important-information/) > - **Complaints** – [https://financehq.co.nz/complaints/](https://financehq.co.nz/complaints/) > - **Privacy Policy** – [https://financehq.co.nz/privacy-policy/](https://financehq.co.nz/privacy-policy/) --- ## https://financeadvisers.co.nz/api/provider/FSP6361/disclosure.md > _Markdown transcription of National Credit Insurance (brokers) Nz Limited's Public Disclosure Statement, version 2026-05-24. Source: https://ncinz.co.nz/disclosures/._ --- # Disclosures — National Credit Insurance (NCI) --- ## LICENSING INFORMATION National Credit Insurance Brokers (NZ) Ltd (NCI) holds a license (FSP6361) issued by the Financial Markets Authority to provide financial advice. --- ## NATURE AND SCOPE OF THE ADVICE We provide advice to our clients on managing and protecting trade credit risks, this includes trade credit insurance. We assist our clients with tailored solutions in trade credit information, credit risk management and protection whether trading domestically or overseas. We are not restricted to using any particular insurer. We do not provide financial advice on insurance products other than trade credit insurance or any other financial advice. We are ultimately a majority owned Subsidiary of Steadfast Group Ltd and can refer you when you require advice on other insurance. --- ## FEES OR EXPENSES RELATING TO TRADE CREDIT INSURANCE We do not charge fees to you for our advice. We will receive a commission from the insurance provider when you take out a policy and when you renew your policy each year. We will provide details of these commissions (including any broker servicing fee) when we make recommendations to you. --- ## CONFLICTS OF INTEREST 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 monitor and review the advice provided by our financial advisers. --- ## COMPLAINTS HANDLING AND DISPUTE RESOLUTION If you are not satisfied with our financial advice service, you can make a complaint to us. A copy of our internal complaints process including contact information, can be downloaded via the link below. **[Internal Complaints Process](https://ncinz.co.nz/app/uploads/2025/06/NZ-Internal-Complaints-Process-CP0036.pdf)** If you feel your complaint is unable to be resolved through our complaints process, Financial Services Complaints Limited (FSCL) – A Financial Ombudsman Service provides a free, independent external ombudsman and dispute resolution service. FSCL may help investigate or resolve your complaint provided it meets their eligibility criteria. **Contact Financial Services Complaints Limited:** - **Email:** complaints@fscl.org.nz - **Phone:** 0800 347 257 - **Post:** PO Box 5967, Wellington 6011 - **Website:** [https://fscl.org.nz](https://fscl.org.nz) --- ## DUTIES INFORMATION NCI and our financial advisers have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. We are required to: - Have the required competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services. - Give priority to your interests by taking all reasonable steps to ensure our advice isn't materially influenced by our own interests. - Exercise care, diligence, and skill in providing you with advice. - Meet the standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services. --- ## PRIVACY POLICY You can view our privacy policy at [https://ncinz.co.nz/privacy](https://ncinz.co.nz/privacy). --- ## OWNERSHIP / MATERIAL BUSINESS RELATIONSHIPS National Credit Insurance Brokers (NZ) Ltd is a majority owned subsidiary of Steadfast Group Ltd. --- *© National Credit Insurance (Brokers) NZ Ltd. All Rights Reserved. FSP number FSP6361* --- ### Linked Sub-Documents - **Internal Complaints Process (PDF):** [https://ncinz.co.nz/app/uploads/2025/06/NZ-Internal-Complaints-Process-CP0036.pdf](https://ncinz.co.nz/app/uploads/2025/06/NZ-Internal-Complaints-Process-CP0036.pdf) - **Privacy Policy:** [https://ncinz.co.nz/privacy](https://ncinz.co.nz/privacy) --- ## https://financeadvisers.co.nz/api/provider/FSP648469/disclosure.md > _Markdown transcription of Backbone Nz (2018) Limited's Public Disclosure Statement, version 2026-05-24. Source: https://mortgagelinkmanawatu.co.nz/publicly-available-disclosure/._ --- # Publicly Available Disclosure ## Licensing Information **Link Financial Group 2022 Ltd (FSP1004590)** holds a licence issued by the Financial Markets Authority to provide financial advice. Backbone NZ 2018 LTD T/A Mortgage & Insurance Link Manawatu-Rangitikei FSP 648469 is authorised by that licence to provide financial advice. --- ## Contact Details **Link Financial Group 2022 Ltd** is the Financial Advice Provider. You can contact us at: - **Phone:** 0800 466 784 - **Email:** admin@lfg.co.nz - **Address:** 1/1 Antares Place, Rosedale, Auckland --- ## Nature and Scope of Advice Mortgage & Insurance Link Manawatu-Rangitikei advisers provide advice about: - Personal insurance (risk), including health insurance. - Business Risk Insurance (Key Person, Shareholder Protection benefits, Business Overheads/Expenses) - ACC advice - Mortgages and personal lending - Determining how much you can afford to borrow to purchase a property (within lenders affordability guidelines). - Selecting an appropriate lender and mortgage structure. - How to structure your repayments to pay off your mortgage sooner - Structuring and refixing your current lending. ### Lending Products We provide advice in relation to the following lending products: - Mortgages - Personal Loans - Top ups - Fixed rate rollovers - Debt consolidation - Business loans ### Insurance Products We provide advice in relation to the following insurance products: - Life insurance - Trauma insurance - Total and permanent disability insurance - Income Protection insurance - Mortgage and household expenses cover - Health/medical insurance ### Product Providers We provide advice in relation to products provided by the following companies: #### Main Bank Lenders ASB | ANZ | BNZ | Kiwibank | SBS Bank | Westpac #### Other Lenders AIA | Arrow Finance | Asap Finance | Avanti Finance | Bank of China | Basecorp Finance | Bluestone | CFML Loans | China Construction Bank | Cressida Capital | DBR | Fico Finance | First Mortgage Trust | Funding Partners | General Finance | Get Capital | Gold Band Finance | Heartland Bank | ICBC | Liberty | Link Home Loans | Metro Finance | Oxford Finance | Pallas Capital | Peppermoney | Pioneer Finance | Prospa | Resimac | Simplify | Southern Cross Partners | Strata Funding | The Co-Operative Bank | Unity #### Insurance Providers Partners Life | AIA | Southern Cross | nib | Chubb | Autosure (Greenwich Life) #### Other Partners Convera | XE --- ## Fees and Expenses Generally, we do not charge you a fee for our services. This is because our advisers are usually remunerated by way of commission by the providers of loan or insurance products we recommend. However, there are some situations where fees may apply: - On occasion, some providers may not pay a commission. In this situation, we may charge a fee. The fee payable will be a fair reflection of the time required to provide you with advice and obtain approval for you. For mortgages, this fee can be added to your loan amount and will be paid at the time your loan is advanced. - Where your adviser has obtained approval from a lender or insurer who does pay commission, but you decide not to proceed with the advice, we may charge you a fee based on a fair reflection of the time required to provide you with advice and obtain approval for you. - For lending advice, should you proceed with a loan implementation after advice from your Mortgage Link adviser, and then repay or refinance your loan within **28 months** of your loan being advanced, without giving your Mortgage Link adviser the opportunity to assist you with a refinance, Mortgage Link may charge you a fee for the time spent to get the initial loan approved and implemented. - For insurance advice, should you proceed with a policy implementation after advice from your adviser, and then cancel, amend, or change your policy within **25 months** of premium payments, we may charge you a fee for the time spent to provide advice and obtain approval on your behalf. Any fees relating to advice that may apply will be discussed and agreed with you prior to obtaining loan approval. Where a fee is charged, you will be issued with an invoice. This will be payable within 14 days or as otherwise agreed to with your adviser. --- ## Conflicts of Interest **For life insurance and health insurance**, Mortgage & Insurance Link Manawatu-Rangitikei and the financial adviser receive commissions from the insurance companies whose policies we can recommend. If you decide to take out insurance that we recommend, the insurer will pay a commission to Mortgage & Insurance Link Manawatu-Rangitikei and/or the adviser who provides your advice. The amount of the commission is based on the amount of premium associated with your cover; specific commissions will be advised to you when advice is provided. **For mortgages and lending**, Mortgage & Insurance Link Manawatu-Rangitikei and the financial adviser receive commissions from some of the lenders we can provide recommendations for. If you proceed to implement lending with the lender recommended to you, the lender will pay a commission to your financial adviser. The amount of the commission is based on the amount of the lending; specific remuneration will be advised to you when advice is provided. 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 the client's interests above their own, we follow an advice process that ensures our personalised recommendations are made on the basis of the client's goals and circumstances, as advised to us. Mortgage & Insurance Link Manawatu-Rangitikei financial advisers complete regular training, including how to manage conflicts of interest. Each adviser has a regular compliance review of their advice process. --- ## Disputes and Complaints If you are not satisfied with our financial advice service you can make a complaint by emailing admin@backbonenz.co.nz, or by calling **06 323 0519**. You can also write to us at: 251 Broadway Avenue, Palmerston North 4414. When we receive a complaint, we will consider it using 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 cannot, 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 the **Financial Disputes Resolution Scheme (FDRS)**. FDRS 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. - **Phone:** 0508 337 337 - **Email:** enquiries@fdrs.org.nz --- ## Duties Information Mortgage & Insurance Link, and anyone who gives financial advice on our behalf, has duties under the Financial Markets Conduct Act 2013 relating to the way that we give 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). --- ## https://financeadvisers.co.nz/api/provider/FSP650369/disclosure.md > _Markdown transcription of Long Burroughs Limited's Public Disclosure Statement, version 2026-05-24. Source: https://longburroughs.co.nz/disclosure/._ --- # Disclosure — Long Burroughs In the spirit of our straight-up approach, we like to be 100% transparent about our duties to our clients, our fees, and how we manage complaints. The following information provides you with an important overview of Long Burroughs, our duties to you, the fees we charge in exchange of our services, and how we manage conflict of interest and complaints. --- ## Licence Status and Conditions Long Burroughs Limited (FSP650369), and Long Burroughs Financial Services Limited (FSP1006544), trading as Long Burroughs, are both Financial Advice Providers (FAP), which are licenced to provide financial advice, and regulated by the Financial Markets Authority (FMA) as required under the Financial Markets Conduct Act. --- ## Nature and Scope of Advice **Long Burroughs Limited (FSP650369)** provides financial advice to our clients about their General Insurance needs. This includes, but is not limited to, business insurance, commercial property, business interruption, motor vehicle, marine, liability lines, professional risk, cyber protection, corporate travel, and personal property or risk. When providing our advice, we access a wide range of general insurance products from various general insurance providers in both the local and overseas market. **Long Burroughs Financial Services Limited (FSP1006544)** provides financial advice to our clients about their Life & Health insurance needs. When providing our advice, we access a wide range of Life & Health insurance products. Our recommendations to you are limited to the products offered by the following companies: - AIA - Asteron - Chubb - Fidelity - NIB - Partners Life - Southern Cross Your Financial Adviser will be able to provide tailored advice to you on the available products and insurers available to you. --- ## Fees, Expenses, or Other Amounts Payable If you act on the advice we provide to you, you will pay the insurance premium, any additional fees and Government enforced levies to the relevant insurance company as per the terms of your insurance contract. We may also charge additional fees on top of these charges noted above. ### Long Burroughs Limited – Fire & General Insurance Long Burroughs Limited may charge you a fee for providing financial advice, and for arranging, altering or cancelling your general insurance program. For general insurance placements, Long Burroughs Limited may also charge an administration fee for processing insurance premiums. If a fee will be charged, you will be advised at the time the financial advice is provided. In some circumstances we may recommend another service provider to assist us in providing appropriate financial advice. These providers can include but are not limited to property valuers, property surveyors, motor vehicle valuers, premium funders. These providers will charge a fee for the work they do. We will advise you of any related fees and charges prior to having them commence any work on your behalf. ### Long Burroughs Financial Services Limited – Life & Health / Medical Insurance To ensure advice remains accessible, Long Burroughs Financial Services Limited does not charge an upfront fee for providing personal risk insurance advice or for implementing advice if you decide to proceed. If, however, on the rare occasion a fee is to be charged, in addition to the commission received from an insurance company, then this will be disclosed to you prior to the advice being provided, and the cost being incurred. --- ## Conflicts of Interest and Commissions or Other Incentives Long Burroughs Limited have spent many years forming relationships with local and international insurance providers. The benefits of these relationships are seen every day in the outstanding choice, competitive pricing, coverage options and policy support services we offer our clients. Long Burroughs Limited receives commission from insurance companies from whom you purchase products. The amount of commission received varies as it is calculated as a percentage of the insurance premium charged. **Long Burroughs Limited (FSP650369)** | The amount of commission received varies as it is calculated as a percentage of the insurance premium charged but can typically range from anywhere between 10% – 30% of the insurer premium. We may, however, choose to rebate all or some commissions and charge you a fee based on the nature of the service we provide. **Long Burroughs Financial Services Limited (FSP1006544)** | In place of an upfront fee, Long Burroughs Financial Services Limited is paid a commission for any new insurance taken up, of between 30% and 240% of the first year's premium, depending on which insurance company you take out cover with. From year two, Long Burroughs Financial Services Limited may then receive an annual commission of between 8% and 10% of the premium for the time Long Burroughs Financial Services Limited remains the servicing adviser on the policy. Our Financial Advisers will confirm the amount of commission Long Burroughs will receive when a recommendation is provided to you. Long Burroughs and its Financial Advisers may also receive indirect benefits such as business lunches, tickets to sporting and/or cultural events, corporate promotional merchandise, and other unquantifiable minor benefits. ### Managing Conflicts We recognise that the above commissions and incentives may create conflicts of interest for Long Burroughs Limited and your Financial Adviser. To manage these conflicts, our Financial Advisers follow an advice process that ensures our recommendations are made on the basis of your financial goals and circumstances. All our financial advisers undergo training about how to manage conflicts of interest. We also undertake compliance audits of our financial advisers, and annually audit our compliance framework. ### Architectural Designers Long Burroughs Limited maintains a professional liability insurance scheme for Architectural Designers. When providing our advice for this scheme, we use only one insurance provider, **Berkshire Hathaway**, and the advice is universal to all members of the scheme. However, we still undertake a full needs analysis on placement of the policy and at renewal to ensure all accurate information is obtained, and we continue to provide client specific, tailored advice where variations in cover are required. ### Financial Advisers Long Burroughs Limited maintains a professional liability insurance scheme for Financial Advisers. When providing advice for this scheme, we use only two insurance providers, **Berkshire Hathaway** and **Ando Insurance**, and the advice is universal to all members of the scheme. However, we still undertake a full needs analysis on placement of the policy and at renewal to ensure all accurate information is obtained, and we continue to provide client specific, tailored advice where variations in cover are required. --- ## Complaints & Disputes Process Long Burroughs is committed to providing you with excellent customer service and access to quality insurance products. Every complaint is important to us, and we review all complaints as an opportunity to improve on the service we deliver to you. If you are not fully satisfied with the services provided by Long Burroughs Limited, or Long Burroughs Financial Services Limited, please contact your financial adviser directly. If your financial adviser is not able to resolve your complaint, it will be referred to the Complaints Officer for an independent review in accordance with the Long Burroughs Internal Complaint and Dispute Resolution Procedure. Our Complaints Officer will review the nature of your complaint, and allocate this to the appropriate point of contact, to resolve your complaint. The Long Burroughs Complaints Officer will formally acknowledge your complaint in writing and will endeavour to resolve your complaint fairly and in a timely manner. If your complaint remains unresolved, or you are not satisfied with our response, you may refer the matter to the following resolution scheme: **Financial Services Complaints Limited (FSCL)** Website: [https://fscl.org.nz/make-a-complaint/how-to-make-a-complaint/](https://fscl.org.nz/make-a-complaint/how-to-make-a-complaint/) --- ## Our Duties We believe in delivering the most appropriate advice, built upon our core business values. When providing you with financial advice, we are bound by duties under the Financial Markets Conduct Act 2013 (Act). We are required to: - Meet certain standards of competence, knowledge and skill, as set by the Code of Professional Conduct for Financial Advice Services (Code of Conduct). These have been designed to ensure that we have the relevant expertise to provide you with advice. - Take reasonable steps to ensure that you understand the nature and scope of the advice we give you and let you know if there are any limitations on the advice we provide. This will help you ensure that the advice provided meets your goals and objectives. - Give priority to your interest, by taking all reasonable steps to make sure our advice isn't materially influenced by our own interests. - Exercise a prudent level of care, diligence, skill and meet certain standards of ethical behaviour, conduct and client care as required by the Code of Conduct. These are designed to ensure that we treat you as we should and give you suitable advice. - Not offer or recommend a financial product that contravenes the Act or related regulations. This gives you peace of mind that the products we recommend are compliant with relevant laws. - Make certain disclosure information available to you, at certain times, for example when advice is provided. We must not provide false, misleading or incomplete information. - Ensure each year, our staff obtain a minimum number of CPD (Continuing Professional Development) points to meet ongoing requirements under the Code of Conduct. --- ## Contact Details **Long Burroughs Limited (FSP650369)** and **Long Burroughs Financial Services Limited (FSP1006544)**, trading as Long Burroughs, are both Financial Advice Providers. - **Phone:** +64 9 374 5980 - **Email:** hello@longburroughs.co.nz - **Address:** Long Burroughs Ltd, PO Box 37356, Parnell, Auckland 1546 --- ## Linked Sub-Documents > The following documents are referenced on this disclosure page but hosted separately: > > - **Code of Professional Conduct for Financial Advice Services** — [longburroughs.co.nz/wp-content/uploads/2023/03/code-of-professional-conduct-for-financial-advice-services.pdf](https://longburroughs.co.nz/wp-content/uploads/2023/03/code-of-professional-conduct-for-financial-advice-services.pdf) > - **Long Burroughs Company Disclosure Document (March 2026)** — [longburroughs.co.nz/wp-content/uploads/2026/03/Long-Burroughs-Company-Disclosure-vMarch-2026.pdf](https://longburroughs.co.nz/wp-content/uploads/2026/03/Long-Burroughs-Company-Disclosure-vMarch-2026.pdf) *(described as a more comprehensive copy of the above disclosure information)* > - **Long Burroughs Complaints Handling Process** — [longburroughs.co.nz/compliment-and-complaints/](https://longburroughs.co.nz/compliment-and-complaints/) --- ## https://financeadvisers.co.nz/api/provider/FSP650789/disclosure.md > _Markdown transcription of Sherpa Limited's Public Disclosure Statement, version 2026-05-24. Source: https://sherpahq.co.nz/disclosure-information/._ --- # Disclosure Information — Sherpa Limited The following information provides you with an important overview of Sherpa Limited, our duties to you, fees, and how we manage complaints. --- ## Licence Status and Conditions Howden Broking Limited (FSP1001677) ("Howden"), a related company of Sherpa Limited, holds a financial advice provider licence issued by the Financial Markets Authority. Sherpa Limited (FSP650789) is authorised by that licence to provide financial advice services. > Howden's Disclosure Statement is available separately (linked on the originating page). --- ## Nature and Scope of Advice Sherpa Limited provides financial advice to clients about their general insurance needs. Our financial advisers provide financial advice in relation to: - **Domestic general insurance:** house, contents, landlord, motor vehicle, and boat insurance - **Commercial general insurance:** commercial property, business interruption, commercial motor, marine, liability, professional indemnity, and cyber insurance When providing advice, we access a wide range of general insurance products from various insurers in both the New Zealand and overseas markets. --- ## Fees, Expenses, or Other Amounts Payable Sherpa Limited may charge fees for providing financial advice, and for arranging, altering, or cancelling your general insurance programme. If a fee applies, we will disclose this to you at the time the advice is provided. In some circumstances, we may recommend third-party service providers to assist in providing advice, such as property valuers, surveyors, or motor vehicle valuers. These providers will charge their own fees and will advise you of any applicable costs before they commence work on your behalf. --- ## Conflicts of Interest and Commissions or Other Incentives Sherpa Limited may receive a commission when you pay your insurance invoice or where we refer you to a premium funder with whom you enter a premium funding arrangement. Financial advisers are remunerated by way of salary and may also receive bonuses or other incentives. Sherpa Limited and its advisers may also receive indirect benefits from insurers or premium funders, such as business lunches, attendance at industry events, or promotional items. We recognise that commissions and incentives may give rise to conflicts of interest. To manage these conflicts, we have policies and processes in place to ensure advice is based on your objectives, needs, and circumstances, and that any conflicts are appropriately identified and managed. In some cases, we may rebate all or part of a commission and instead charge a fee, depending on the nature of the services provided. --- ## Complaints and Disputes Process If you are not satisfied with our services, please raise your concerns in the first instance with your financial adviser or Sherpa Limited. We will take your complaint seriously and seek to resolve it in a fair and timely manner. If we are unable to resolve your complaint to your satisfaction, you may refer it to: **Financial Services Complaints Limited (FSCL)** FSCL is an approved independent dispute resolution scheme that handles complaints about financial service providers, including insurance brokers. FSCL's service is free to consumers, and its decisions are binding on us (but not on you). - **Phone:** 0800 347 257 - **Website:** [fscl.org.nz](https://www.fscl.org.nz) --- ## Duties Sherpa Limited and our financial advisers are bound by the duties set out in the Financial Markets Conduct Act 2013. These duties require us to: - Meet standards of competence, knowledge, and skill set by the Code of Professional Conduct for Financial Advice Services, designed to ensure we have the relevant expertise to provide you with advice. - Take reasonable steps to ensure you understand the nature and scope of the advice provided, including any limitations, to help ensure the advice meets your goals and objectives. - Give priority to your interests when providing advice and ensure our advice is not materially influenced by our own interests. - Exercise care, diligence, and skill. - Meet standards of ethical behaviour, conduct, and client care. - Not offer or recommend a financial product that contravenes the Act or related regulations. - Make disclosure information available to you when advice is provided. We must not provide false, misleading, or incomplete information. --- ## Contact Details **Sherpa Limited** FSP650789 **Daniel Mathieson** Director - **Phone:** 027 594 1416 - **Email:** daniel.mathieson@sherpaHQ.co.nz - **Address:** PO Box 377, Christchurch 8140 --- *Note: This page references Howden Broking Limited's (FSP1001677) Disclosure Statement as a linked sub-document. That document was not reproduced here.* --- ## https://financeadvisers.co.nz/api/provider/FSP653431/disclosure.md > _Markdown transcription of Vega Mortgages Limited's Public Disclosure Statement, version 2026-05-18. Source: http://www.vegalend.co.nz/assets/Uploads/Disclosure-Documents/Vega-Asset-Finance-Important-Information.pdf._ --- # Vega Asset Finance | Important Information **8 December 2025 11:46 am** ## Our Role ### We Do Not Provide Financial Advice. We help you apply for and arrange credit or finance with one or more lenders. We do not provide financial advice. This means we do not tell you: - which loan, lender, or structure is best for you - whether a particular product is suitable for your needs - which option is better for your personal financial situation You are responsible for choosing the finance option that is right for you. If you require advice, we recommend seeking **independent financial advice**. ## How We Are Paid We **do not charge you a fee** for arranging finance. If you proceed with a finance application through us, we may receive a **commission** from the lender. Commission amounts vary depending on: - the lender you choose - the type of loan or product - the loan amount and term We may also receive **volume-based incentives or promotional benefits** from some lenders. These do **not** affect the information we give you, and we do not make recommendations about the suitability of any finance product. If you would like more detail about the commission we may receive, please ask. ## How We Handle Your Information (Privacy Notice) We collect personal information from you in order to: - assess your finance application - submit your information to lenders - run credit checks - meet legal and regulatory requirements We may collect your: - name and contact details - identification documents - employment and financial information - credit history and application details We may share your information with: - lenders we work with - credit reporting agencies - our secure data-storage and CRM providers - external compliance or audit providers You have the right to: - request a copy of the information we hold about you - ask us to correct any information that is wrong If you have questions about how we handle your information, please contact us at: compliance@vegalend.co.nz Please also refer: https://vegalend.co.nz/privacy-policy ## Third-Party Checks and Digital Services We Use To assess your application and verify information, we may use the following tools and services: ### Motochek We may use Motochek to confirm vehicle details such as ownership, registration status, and any existing finance owing on the vehicle. ### PPSR (Personal Property Securities Register) We may search the PPSR to identify whether there are any existing loans, security interests, or registered claims over vehicles or other personal property you intend to use as security. ### Biometric Verification For identity verification, we may use digital biometric tools (such as facial matching or document verification). These services help confirm that the ID provided is genuine and belongs to you. ### Digital Loan Documents Loan documents may be provided to you electronically for review and signing. This allows you to complete your application securely and conveniently online. ## Complaints and Dispute Resolution If you have a complaint about our financial advice or service, you need to tell us about it. You can contact our internal complaints service by: - phoning on **0800 834 253** - emailing us to **compliance@vegalend.co.nz** using the heading **Complaint - (Your Name)** Please set out the nature of your complaint, and the resolution you are seeking. We will acknowledge receipt of this within 24 hours. We will then record your complaint in our Complaints Register and will work with you to resolve your complaint. We may want to meet with you to better understand your issues. We will provide an answer to you within 7 working days of receiving your complaint. If we cannot agree on a resolution, you can refer your complaint to our external dispute resolution service. This service is independent and will cost you nothing and will assist us to resolve things with you. Details of this service are: ### Financial Services Complaints Limited - **Email:** complaints@fscl.org.nz - **Phone:** 0800 347 257 Please also refer: https://vegalend.co.nz/complaints ## Other Important Information Our role is limited to facilitating your finance application. The lender is responsible for providing all contractual disclosures relating to your loan, including interest rates, fees, repayment terms, borrower rights, and credit notices. Please ensure you read all loan documents carefully before signing. --- ## https://financeadvisers.co.nz/api/provider/FSP653692/disclosure.md > _Markdown transcription of Gsi Insurance Brokers (christchurch) Limited's Public Disclosure Statement, version 2026-05-18. Source: https://cdn.prod.website-files.com/67913f459febbae74c0f970d/67998ecbc8630005ac6936da_Disclosure-1-of-Public-Information-GSI_South.pdf._ --- # Disclosure 1 - Public Information GSI South (Christchurch) Ltd FSP 653692 ## LICENCE STATUS AND CONDITIONS GSI Insurance Brokers (Christchurch) Ltd (FSP653692) trading as GSI South holds a Class 2 Financial Advice Provider licence, issued by the Financial Markets Authority, to provide financial advice. It is a condition of our licence that we, together with any person giving advice on our behalf, can only provide advice on fire and general insurance products. Our licence requires us to: - comply with all financial market conduct regulations, - keep records of all financial advice, - have an internal processes for resolving client complaints, - provide regulatory returns to the Financial Markets Authority, - undertake due diligence if outsourcing any systems or processes that relate to our financial advice, - have and maintain a business continuity plan, and - notify the Financial Markets Authority of any material changes to our operation. ## NATURE AND SCOPE OF FINANCIAL ADVICE SERVICE We engage financial advisers to provide financial advice on general insurance products on our behalf. These are policies that insure your personal or business assets or protect you or your business assets, liabilities and business income. We are not able to provide advice on medical or life insurance, or any other Financial Advice products, but are able to refer you to associates who are licensed to provide advice on such products. We have access to most insurance markets in New Zealand (excluding direct Insurers) along with access to overseas markets as required. A list of the types of general insurance we can provide financial advice on, and the product providers who provide such insurance products can be found on our website. The specific types of general insurance that individual advisers can advise customers on may vary. ## FEES, EXPENSES AND OTHER AMOUNTS PAYABLE We will charge a fee for the advice given to you and for implementing that advice. The amount of this fee will be disclosed either at the time we know the scope and nature of the advice required or when we provide our advice to you. ## PREMIUM FUNDING Premium funding products enable you to pay the insurance premium over the term of your policy by instalments rather than as one amount. Premium funders charge interest and they take a power of attorney over your insurance policy, this means they have the ability to cancel your insurance policy if you fail to pay an instalment. If you enter into such an arrangement the premium funder will pay us a commission as a percentage of the amount they fund. The amount of this commission will be disclosed to you when we know the scope and nature of the advice required and whether you intend to utilise the services of a particular premium funder. Commission will be paid to us directly from the premium funder. ## CONFLICTS OF INTEREST AND COMMISSIONS OR OTHER INCENTIVES GSI South will receive commission from the insurance companies on whose policies we give advice. If you decide to take out a policy, the insurer will pay us commission based on the premium that you pay. We are a member of Steadfast NZ Limited (Steadfast). Steadfast supplies technology platforms, management, marketing, professional, technical, and buying benefits and services to support us in providing our financial advice services. Steadfast has arrangements with insurance companies under which Steadfast receives a professional services fee of up to 1.5% of the premium paid for each policy arranged by us with those insurers. Steadfast may also receive a fee of 0.5% of any amount a customer has funded through a premium funder. These payments are used to operate Steadfast. We will receive a proportion of the professional services fee paid to Steadfast, being 35% of that fee. This will be paid to us by Steadfast at the end of each financial year. A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute, including in respect of liability. In this instance, the adviser would clearly disclose the conflict of interest to the clients and would refer one of these clients to another of our financial advisers for further advice and assistance. We manage all conflicts of interest, ensuring our financial advisers prioritise your interests above their own, by following an advice process that ensures our recommendations are made on the basis of your needs and circumstances. All of our financial advisers complete training to understand and manage conflicts of interest. We maintain a register of conflicts of interests and any gifts and other incentives that we may receive. We review our compliance programme annually. ## DUTIES GSI South and our financial advisers are bound by the following duties under the Financial Markets Conduct Act 2013 to: - meet the standards of competence, knowledge, and skillset out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and - give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and - exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and - meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. ## COMPLAINTS If you are unhappy with our financial advice service please contact your financial adviser so he or she can try to put things right. If you wish to make a complaint or do not feel comfortable discussing your concerns with your adviser, you can contact us as follows: - Call us on 0800 786 631 between the hours of 8.30 am – 5.00 pm on weekdays - Email us at tracy@gsisouth.co.nz - Write to us at the below address The Complaints Manager Level 1, 383 Colombo Street Sydenham Christchurch, 8023 ## HOW YOUR COMPLAINT WILL BE HANDLED Your adviser will attempt to resolve any issue of dissatisfaction with you immediately. If the matter cannot be resolved to your satisfaction, the adviser will escalate the complaint to their manager, notifying you accordingly. We will send you an acknowledgement of your complaint within two working days of your complaint being notified to us. This letter will provide you with our timeline to respond to you and the name of the manager who will be managing our response. The manager will investigate and contact you to try to resolve the complaint to your satisfaction. It is important that you provide this person with all relevant information. We will provide you with a written update within 10 working days of receiving your complaint. If we are unable to provide a full response to you at that point, our letter will explain why we are not yet in a position to do so and tell you when we will next contact you. 25 working days after the receipt of your complaint we will issue a final resolution. If we need to continue our review past this point, we will explain to you the reason for the delay and the required timeframe to provide a full response. At this point, if you feel that the delay is unsatisfactory, you can redirect your complaint to our external dispute resolution service provider detailed below. ## IF WE ARE UNABLE TO RESOLVE YOUR COMPLAINT We expect that our response to you will have addressed the concerns you have raised. If you feel that your concerns have not been appropriately considered, we invite you to submit any further information for consideration. If we are unable to resolve your complaint despite our best efforts, you can contact our external dispute resolution scheme, who provides a free and independent dispute resolution service. The contact details for our external dispute resolution service provider are: **Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service** Email: complaints@fscl.org.nz Telephone: 0800 347 257 (Call Free for consumers) Landline: +64 4 472 3725 Postal Address: PO Box 5967, Lambton Quay, Wellington 6140 www.fscl.org.nz ## CONTACT DETAILS GSI Insurance Brokers (Christchurch) Ltd (FSP653692) trading as GSI South are the Financial Advice Providers. We can be contacted as follows: **Christchurch:** Unit 1, Level 1, 383 Colombo Street Sydenham, Christchurch 8042 0800 786 631 tracy@gsisouth.co.nz --- ## https://financeadvisers.co.nz/api/provider/FSP662291/disclosure.md > _Markdown transcription of Partridge Advisory Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.partridgeadvisory.com/file/file5fcd8ca094a6d/open._ --- # Disclosure Statement (Financial Advisor) ## Contact Information | Field | Details | |-------|---------| | Name of Financial Advisor | Vincent (Vince) Barker | | Address | 41 Shortland Street, Auckland 1010 | | Trading name | Partridge Advisory Limited | | Telephone number | 022 093 0403 | | Email address | v.barker@partridgeadvisory.com | | FSP number | FSP671851 | **This disclosure statement was prepared on 16 November 2020.** ## It is important that you read this document This information will help you to choose a financial adviser that best suits your needs. It will also provide some useful information about the financial adviser that you choose. ## What sort of adviser am I? I am a registered, but not authorised, financial adviser. I can give you advice about: - General insurance products including commercial and domestic insurance - Professional and Specialist general insurance products - Offering you premium financing for your general insurance policies I am not authorised to give advice in relation to securities, land investment products, futures contracts, or investment-linked contracts of insurance. ## What should you do if something goes wrong? If you have a problem, concern, or complaint about any part of my service, please tell me or my employer, so that our internal complains scheme can try to fix the problem. You may contact our internal complaints scheme by notifying us in writing at: **The Manager** Partridge Advisory Ltd PO Box 106753 Auckland 1143 If your complaint remains unresolved you may refer the matter to Financial Service Complaints Limited info@fscl.org.nz or calling 0800 347257. You can contact Financial Services Complaints Ltd at: | Field | Details | |-------|---------| | Address | PO Box 5967, Lambton Quay, Wellington 6145 | | Telephone number | 0800 347 257 | | Email address | info@fscl.org.nz | ## How am I regulated by the Government? You can check that I am a registered financial adviser at http://www.fspr.govt.nz. The Financial Markets Authority regulates financial advisers. Contact the Financial Markets Authority for more information, including financial tips and warnings. You can report information or complain about my conduct to the Financial Markets Authority, but in the event of a disagreement, you may choose to first use the dispute resolution procedures described above (under *What should you do if something goes wrong?*). ## Declaration I, Vincent Barker, declare that, to the best of my knowledge and belief, the information contained in this disclosure statement is true and complete and complies with the disclosure requirements in the Financial Advisers Act 2008 and the Financial Advisers (Disclosure) Regulations 2010. --- ## https://financeadvisers.co.nz/api/provider/FSP665511/disclosure.md > _Markdown transcription of Orange Financial Services Limited's Public Disclosure Statement, version 2026-05-18. Source: https://orangenetwork.co.nz/wp-content/uploads/2026/01/Orange-Financial-Services-Limited-Public-Disclosure-Statement-Jan-2026.pdf._ --- # Orange Network Disclosure Information ## About Orange Network Orange Financial Services Ltd T/A Orange Network (FSP665511) is a Financial Advice Provider that holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice services. You can find us listed on the Financial Service Providers Register at fsp-register.companiesoffice.govt.nz. The conditions of our licence allow us to provide the following financial advice services: - Personal Life, Risk & Medical Insurance - KiwiSaver - Home Lending ## Services ### Personal Life, Risk & Medical Insurance Orange Network provides personalised advice that takes into account your individual circumstances to determine the personal risk products that best meet your personal goals and needs. We follow a documented advice process that uses your personal situation to work out what's important to you, what products you need and how much cover you should have in place. We then recommend the provider that offers the cover most suited to your stated preferences #### Providers Orange Network works with AIA, Chubb, NIB, Fidelity Life, Partners Life, Accuro (UniMed), Asteron Life This means that Orange Network will only consider the providers listed above when recommending a product to meet your personal risk insurance needs. #### How we are paid Orange Network does not charge any upfront fees for our risk advice services. To ensure advice remains accessible, we are paid commission by the provider of any product you put in place on the back of our recommendation. ### KiwiSaver At Orange Network, we are able to provide a generalised advice service for KiwiSaver. This involves discussing what level of financial risk you are comfortable with and recommending a fund type that best matches your attitude toward risk and the length of time until you plan on accessing your funds (from conservative through to aggressive). #### Providers Orange Network works with We have chosen to work with the below providers when helping our clients with their KiwiSaver: Generate, Milford, Pathfinder, Kernel, Koura, Consilium #### How we are paid We do not charge any fees for providing general advice about KiwiSaver. Orange Network is paid through the providers who may pay an upfront fee and a small amount of ongoing commission based on funds under management. ### Residential Lending Orange Network works with you to determine your home lending needs and works with the banks and lenders to recommend the lending products and solutions that best fit your circumstances and requirements. #### Providers we work with Orange Network works with the following banks and lending institutions: ANZ, BNZ, Westpac, ASB, Avanti Finance, Basecorp Finance, The Co-operative Bank, Heartland Bank, Liberty Financial Ltd, Pepper Money, PROSPA, SBS Bank, Southern Cross Partners, Unity, Kiwibank, Bizcap #### How we are paid In place of an upfront fee, Orange Network is paid a commission by the providers for arranging the lending on your behalf. #### One-off Fees We may charge you a one-off fee if the following occurs: **(a) When we don't receive commission from the lender:** If you request that we provide financial advice and we do not receive a commission from the lender, we may charge you a one-off fee. Any such fee would be agreed and authorised by you in writing before we complete the services, and would be based on an estimate of the time spent providing the advice. This may arise in the rare event that you request that we provide services in relation to either a product that is offered by a lender that we do not hold an accreditation with, or a product that is outside our usual arrangements with my approved lenders. **(b) When we have to repay commission to the lender:** In the event that, in the 28 month period following drawdown of your loan, your loan is fully or partially repaid or the terms materially changed, and a lender requires that we repay the applicable commission to them, we may charge you a one-off fee. Any such fee would be no more than $3,000 (plus GST, if any) and would be calculated based on a rate of $250 (plus GST, if any) per hour of our time spent providing financial advice to you in connection with the applicable loan. The fee we charge you will not exceed the amount of commission we have to repay to the lender. You will be invoiced for any one-off fee and will be given 30 days to make payment. ## How we manage conflicts of interest and put your interest first All of the services Orange Network offers are provided free of charge to our clients. This is because we are paid by the providers when one of their products is taken up on the back of our recommendation. Although we are paid by the providers, we always put your interests first: - We follow a proven 6-step advice process that puts our clients needs at the heart of the advice process - We identify and disclose the maximum level of commission we may get on the back of our recommendation - If our recommendation involves replacing cover, we will provide a comparison of covers and explain what the recommended provider offers that your existing cover does not. We will also let you know if there is anything your existing provider covers that the recommended provider will not. ## Our Duties Under the Financial Markets Conduct Act 2013, it is the duty of Orange Network and our advisers to: - meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and - give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and - exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and - meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. All our recommendations are provided in writing with an explanation as to how they are based on your individual needs. Orange Network completes internal and external reviews of our advice process to ensure we follow a thorough review process that puts client interest first. ## What if something goes wrong We value the ability of our clients to provide feedback about the service they have received as well as the opportunity to put it right when they are unhappy with any aspect of our service. If you would like to raise concerns about the service you have received, we have an internal complaint process that we will follow when we receive your formal complaint. Our internal process involves: 1. Requesting your complaint in writing 2. Acknowledging the receipt of your complaint within 2 working days of receiving it. 3. Investigating your concerns by speaking with all the involved parties and reviewing all the documentation we hold on file. 4. Providing a formal written response within 28 days of acknowledging your concerns. If you would like to make a complaint, please email: admin@orangenetwork.co.nz If you are unsatisfied with the outcome of our internal complaints process, you are able to escalate it to our dispute resolution scheme: **Scheme:** Financial Dispute Resolution Service **Address:** Freepost 231075, PO Box 2272, Wellington 6140 **Telephone Number:** 0508 337 337 **Email Address:** enquiries@fdrs.org.nz They are an independent dispute resolution service provider that helps resolve complaints about financial service providers, free of charge. --- ## https://financeadvisers.co.nz/api/provider/FSP666631/disclosure.md > _Markdown transcription of Stewart&lord Limited's Public Disclosure Statement, version 2026-05-24. Source: https://stewartandlord.co.nz/publicly-available-disclosure/._ --- # Publicly Available Disclosure — Stewart and Lord --- ## Licensing Information We operate as a Financial Advice Provider under a current licence issued by the Financial Markets Authority in the name of **NZ Financial Services Group Limited (FSP286965)**. There are no conditions attached to this licence on the advice that may be given. --- ## Financial Advice and Product Providers The Financial Advisers provide financial advice about Life, Fire & General Insurance and/or Home Lending products. We only provide financial advice about products from certain product providers that are included in NZ Financial Services Group's approved panel of product providers. --- ## Commission If you proceed with a product on the basis of financial advice received from a Financial Adviser, the Adviser Business usually receives commission from the applicable product provider. The commission is generally of an upfront nature but may also include a renewal or trail commission. This commission is used to remunerate the Financial Adviser that provides the financial advice to you, and to pay the expenses associated with running the Adviser Business including any rent, staff costs and IT resources. From this commission the Adviser Business also pays NZ Financial Services Group for services provided to the Adviser Business in connection with the Adviser Business' authorisation under our licence from the FMA. The Adviser Business takes steps to ensure that the receipt of commissions does not influence the financial advice given to you and that their Financial Advisers prioritise your interests by recommending the best product for your purpose regardless of the type and amount of commission that may be received. These steps include: - Ensuring their Financial Advisers follow an advice process that ensures the Financial Adviser understands your needs and goals and that their recommendations meet those needs and goals. - Ensuring their Financial Advisers receive regular training on how to manage conflicts of interest. - Providing you with a schedule showing commission rates and types by product provider. This schedule is contained within each Financial Adviser's personalised Disclosure Guide. Your Financial Adviser will provide you with more information about commissions during the advice process. --- ## Fees and Expenses Generally we don't charge you any fee for the advice and transactional solutions that we provide to you. This is possible because, on settlement of a home loan or insurance policy, we usually receive commission from the applicable product provider as described above. There are two exceptions to this general position which are explained below. We may charge you a one-off fee in the following situations: **(a) No commission:** If you request that we provide services in relation to a product or service and we do not receive a commission. Any such fee would be agreed and authorised by you in writing before we complete the services, and would be based on an estimate of the time spent providing the advice. This may arise in the rare event that you request that we provide Services in relation to either a product that is offered by a provider that we do not hold an accreditation with, or a product that is outside our usual arrangements with our product providers. **(b) Repayment of commission:** If a product or service provider requires that we repay commission within 27 months of settlement of your mortgage or issuance of your risk insurance policy. Any such fee would be no more than **$2,500 (plus GST)** and would be calculated based on a rate of **$250 (plus GST) per hour** of the financial adviser's time spent providing services to you in connection with the applicable mortgage or insurance. The fee charged will not exceed the amount of commission clawed back from the lender. Should we need to charge you a fee, you will be invoiced and will be given 30 days to pay. --- ## Conflicts of Interest If there are any conflicts of interest, apart from commission, that could potentially influence the financial advice given to you, these will be shown in your Financial Adviser's Disclosure Guide. --- ## Complaints and Dispute Resolution If you have a complaint about our service you need to tell us about it. You can contact our internal complaints service by: - **Phoning:** 021 805 253 (Elliot Lord) or 021 530 747 (Tristan Stewart) - **Emailing:** [email protected] with the heading **Complaint – (Your Name)** Please set out the nature of your complaint, and the resolution you are seeking. We will acknowledge receipt of this within 24 hours. We will then record your complaint in our Complaints Register and notify our Licence Holder. We may want to meet with you to better understand your issues. We will then investigate your complaint and provide a response to you within **7 working days** of receiving your complaint. If we need more time to investigate your complaint, we'll let you know. If we cannot agree on a resolution you can refer your complaint to our external dispute resolution service. This service is independent, will cost you nothing, and will assist us to resolve things with you. ### External Dispute Resolution Service **Financial Services Complaints Limited** **Phone:** 0800 347 257 **Email:** [email protected] --- ## Our Duties Anyone giving financial advice under NZ Financial Services Group's licence from the FMA is bound by and supports the duties set out in the Financial Markets Conduct Act 2013. These duties are: - Meet the standards of competence, knowledge, and skill and the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Providers. - Give priority to your interests. - Exercise care, diligence, and skill. --- > **Note:** The page references each Financial Adviser's personalised **Disclosure Guide**, which contains a schedule of commission rates and types by product provider, as well as any specific conflicts of interest applicable to your adviser. This sub-document is provided to clients by their Financial Adviser during the advice process and is not reproduced here. --- ## https://financeadvisers.co.nz/api/provider/FSP667651/disclosure.md > _Markdown transcription of Advice Financial 2019 Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.advicefinancial.co.nz/disclosurestatement.html._ --- # Disclosure Statement — Advice Financial --- ## Licensing Information Advice Financial 2019 Ltd (FSP667651), trading as **Advice Financial**, holds a licence issued by the Financial Markets Authority to provide financial advice. The following advisers are authorised by that licence to provide financial advice: - Thomas James Coltman (FSP656931) - Marcus Eagan Brown (FSP415286) - James Francis Coltman (FSP56081) - Paul Anthony Bartlett (FSP94081) - John Regan Bell (FSP1003854) - Hamish Robert Coltman (FSP742353) - George Andrew Mitford Orton (FSP1001182) Thomas Coltman and Marcus Brown are Directors and Shareholders of Advice Financial 2019 Ltd. --- ## Nature & Scope of Service **Advice Financial** provides advice to our clients about their life insurance, health insurance, KiwiSaver and finance needs. Our financial advisers provide financial advice in relation to these financial advice products. We only provide financial advice about products from certain providers: - **Life insurance:** AIA, AMP, Asteron, Chubb, Fidelity Life and Partners Life. - **Health insurance:** AIA, Accuro, nib and Partners Life. - **KiwiSaver:** We refer to the following Financial Advice Provider – Kauri Wealth. - **Finance:** ANZ, ASAP Finance, ASB, Avanti Finance, Basecorp, BNZ, Capital Securities Ltd, CFML, Cressida Capital, DBR, Exceeda Finance, First Mortgage Trust, General Finance, Heartland Bank, Kiwibank, Liberty, Pacific Invoice Finance, Pallas Capital, Pepper Money, Prospa, Resimac, SBS, Bluestone / Select, Unity, Westpac. In providing you with financial advice, we will only consider existing life insurance, health insurance, KiwiSaver and finance products. We will not provide advice on existing whole of life or endowment products, so you will need to consult a specialist if you would like advice on those products. --- ## Fees or Expenses **Advice Financial** does not charge fees, expenses or any other amount for the life insurance, health insurance and KiwiSaver advice provided to its clients. **Advice Financial** generally does not charge fees for the finance advice and associated transactional solutions that we provide to you. This is possible because, on settlement of a loan, we usually receive commission from the applicable product provider as described above. There are two exceptions to this general position which are explained below. We may charge you a one-off fee in the following situations: - **No commission:** If you request that we provide services in relation to a product or service and we do not receive a commission. Any such fee would be agreed and authorised by you in writing before we complete the services, and would be based on an estimate of the time spent providing the advice. This may arise in the rare event that you request that we provide services in relation to either a product that is offered by a provider that we do not hold an accreditation with, or a product that is outside our usual arrangements with our product providers. - **Repayment of commission:** If a product or service provider requires that we repay commission within 27 months of settlement of your loan. Any such fee would be no more than **$2,500 (plus GST, if any)** and would be calculated based on a rate of **$250 (plus GST, if any) per hour** of the financial adviser's time spent providing services to you in connection with the applicable loan. The fee charged will not exceed the amount of commission clawed back from the lender. Should we need to charge you a fee, you will be invoiced and given 30 days to make payment. --- ## Conflicts of Interest & Incentives **Advice Financial** and our financial advisers receive commissions from the providers on whose products we give financial advice (the insurers, KiwiSaver and finance product providers). If you decide to take out insurance or to take our KiwiSaver or finance advice, the provider will pay a commission to Advice Financial and to your financial adviser. The amount of commission is based on the amount of the insurance premium, KiwiSaver balance or loan. 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 the client's interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the 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. Advice Financial monitors these registers and provides additional training where necessary. Advice Financial performs an annual review of our compliance programme. --- ## Complaints Handling & Dispute Resolution If you are not satisfied with our financial advice service you can make a complaint by: - **Email:** complaints@advicefinancial.co.nz - **Phone:** 0800 102 604 or 021 66 44 58 - **Post:** PO Box 47220, Ponsonby, Auckland 1144 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 and 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact **Financial Services Complaints Ltd (FSCL)**. FSCL provides a free, independent dispute resolution service that may help investigate or resolve your complaint, if we haven't been able to resolve your complaint to your satisfaction. **Contact FSCL:** - **Email:** info@fscl.org.nz - **Phone:** 0800 347 257 - **Post:** PO Box 5967, Lambton Quay, Wellington 6145 --- ## Duties Information **Advice Financial** 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 isn't 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). --- ## Contact Information **Advice Financial 2019 Ltd (FSP667651)** trading as **Advice Financial** is the Financial Advice Provider. **Address:** Level 2, 34 Douglas Street Ponsonby Auckland 1021 **Phone:** +64 21 448 544 / +64 21 0247 1819 **Complaints:** 0800 102 604 or 021 66 44 58 **Complaints email:** complaints@advicefinancial.co.nz --- ## https://financeadvisers.co.nz/api/provider/FSP670191/disclosure.md > _Markdown transcription of Dux Financial Services Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.duxfinancial.co.nz/disclosure/._ --- # Disclosure — DUX Financial Services > As a requirement of the Financial Markets Conduct Act 2013, we need to provide all clients a copy of our disclosure statements. The FAP disclosure is below. > > In the interest of transparency we always have these available to everyone in the public. --- ## Adviser Disclosure Statements Click on the adviser's name to download their individual Disclosure Statement: - [Alan Borthwick](https://duxnz.sharepoint.com/:b:/s/Dux-PublicFiles/IQDGw4qQtZwlQY-PhlpcqiySARaBW9yYKGpSG4SsKvAEZUs?e=uVzWMJ) - [Helen M. Grant](https://duxnz.sharepoint.com/:b:/s/Dux-PublicFiles/IQBvQj6iBlnxT40XvEfoz_jkAQ1PmDQOriGGzj1CWofsp_M?e=dX7MH9) - [Manik Bathla](https://duxnz.sharepoint.com/:b:/s/Dux-PublicFiles/IQDiVQuQ_skQTam5ruHl1FHWAeS05eiHLKCRY4zgRJQTF7o?e=zbbCqR) - [Samuel Hall](https://duxnz.sharepoint.com/:b:/s/Dux-PublicFiles/IQAMn_8TyXVvQrk0WLZQcpGqAbcABkdeWTLgVzgbuAAuAIY?e=xEWatV) - [Thari Bakmeedeniya](https://duxnz.sharepoint.com/:b:/s/Dux-PublicFiles/IQBox8ocTmhcSYwd6YhPn-ojAcuIwjcwZB0QVwUazHgxh9w?e=XRIgal) - [Morgan Law](https://duxnz.sharepoint.com/:b:/s/Dux-PublicFiles/IQCplWsaQ_trS6_6dVHkxkiPASnPBN1BgaTMymQ-2s1xCTI?e=qVQPis) --- ## Financial Advice Provider Disclosure Document [Download here](https://duxnz.sharepoint.com/:b:/s/Dux-PublicFiles/IQBbv-DgzSYHTqZQiBpGOuaSAfJ0y9C8leLZEGny-E92clw?e=svjpUy) --- ## License Status and Conditions **DUX Financial Services Limited (FSP 670191)** holds a Class 2 Financial Advice Provider License issued by The Financial Markets Authority to provide Financial Advice. **DUX Financial Planning Limited (FSP 731551)** is Authorised by that License to provide Financial Advice. --- ## Nature and Scope of the Financial Advice Given Our Financial Advisers provide financial advice in relation to the following: - Mortgages - Personal Insurance - Personal Fire and General Insurance - Financial Planning - Investment Strategies (Strategic asset allocation and investing) - Debt management (including borrowing for personal and investment purposes) - KiwiSaver investment strategies and retirement planning --- ## Products and Areas We Can Provide Financial Advice About - KiwiSaver investments - Managed Funds - Personal and Group Insurance (life cover, disability, income protection, mortgage protection, trauma and medical) - Life investment products including whole of life, endowment, and bonds - Business Risk Insurance (Life, Key person, loss of revenue and other) - Loans including mortgages, reverse mortgages, and personal loans - Personal Fire and General Insurance including house, car, contents, landlords - Personal Financial Planning, including savings, retirement, debt management, budgeting, homebuying, investment planning - Financial Coaching including homebuyer's assistance, property investment vetting, EAP Advice, and individual advice needs --- ## Reliability History **Disciplinary history you should be aware of:** None. Nada. Zero. Zip. Zilch. There have been no professional indemnity insurance or negligence claims, disputes resolution actions, or disciplinary actions. Ever. --- ## Our Primary Product Providers We Might Recommend *Primary = providers we actively work with most of the time* **Mortgages –** ANZ, ASB, AIA Go Home Loans, BNZ, Kiwibank, Westpac, Co-op, Heartland, SBS, Liberty, Avanti, Pepper Money, Unity. **Risk Insurance –** AIA, Resolution Life, Fidelity, Partners Life, Asteron, Southern Cross, Chubb Life, Pinnacle Life, NIB, and Accuro. **Fire and General Insurance –** AON, Blanket, Tower. **KiwiSaver –** Booster, ANZ, AMP, Fisher Funds, Generate, Smart, JMI Wealth, Koura, Superlife. **Managed Funds –** ANZ, Booster, Consilium/Synergy, Superlife/Smart, NZ Funds, Fisher Funds, AMP, Select Wealth, Pathfinder, Milford. We also work with a number of smaller specialist providers in many of the above areas. Where they are relevant to a client's needs, we will advise at the time. --- ## Privacy Information 1. The Privacy Act 2020 provides you with the right to request access to, and seek correction of, any personal information held by DUX Financial Services and by any product provider. 2. Information provided by you, or your authorised agents may be used by DUX Financial Services and any relevant product/service provider for the purpose of providing advice to you. It may also be made available to any regulator, relevant government body, legal or compliance advisers of DUX Financial Services, or relevant product/service provider, and claims investigators who may need access to such information for the purpose of processing and administering any business you may seek to transact. 3. Further I/We specifically acknowledge and agree to medical, personal and property information, upon which special acceptance conditions have been based, being disclosed to the adviser by the selected Insurer. 4. Further I/We specifically acknowledge and agree to DUX Financial releasing, as required sufficient information to defend itself, should I/We disparage DUX Financial or any of its advisers, staff, or contractors, either online, in print media or any other form. 5. We may use secure technology tools, including AI-assisted tools, to record, transcribe, and summarise meetings to ensure accuracy and efficiency. These tools may process your information through third-party systems, which may be located overseas. By continuing to engage our services after being notified, you consent to the collection, use, storage, and disclosure of your personal information as described above. If you prefer not to be recorded, we can take manual notes instead. You may withdraw your consent to specific uses (such as meeting recording) at any time by notifying us, although this may affect our ability to provide services. 6. The information provided by you will be either physically held or stored electronically at the offices of DUX Financial and/or stored electronically by a secure cloud-based service. For data storage reasons these may also be held securely off site or at any site DUX Financial determines to be its offices. This is currently at: Level 1, 60 Cuba Street, Te Aro, Wellington, 6010. --- ## Fees, Expenses, and Other Amounts Payable for Our Financial Advice The following section outlines the types of fees that may apply. The fees charged for our advice and services may be based on a combination of a set dollar amount, an hourly rate, a percentage-based fee, or commission in lieu of fee. - Our agreed advice and service fees may include charges for: Initial advice, ongoing or annual advice and services, product placement fee, non-completion fee. Specific fees are determined and agreed in the scope of service before work is commenced or payable. - All DUX advice work attracts a fee, sometimes this is paid by the client and/or taken as commission in lieu of a fee. Should the commission be clawed back, the fee for work is reinstated and invoiced to the client. This will be confirmed in the scope of service. - The actual fee charged to you will depend on the nature and scope of the advice or service we provide. We will discuss and agree the actual fees with you before we proceed and explain how they are payable. --- ## Conflict of Interest and Incentives DUX Financial Services and our financial advisers receive commissions from the providers on whose products we give financial advice (the insurers, banks, and KiwiSaver providers). If you decide to take out insurance or a mortgage, or to take our KiwiSaver advice, the provider will pay a commission to DUX Financial Services and to your financial adviser. The amount of commission is based on the amount of the premium or mortgage, 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 the client's interests above their own, we follow an advice process that ensures our recommendations are made based on the client's goals and circumstances. Our philosophy at DUX Financial is to give sustainable financial advice that benefits clients in the long term. This in turn results in happy clients who refer their friends and family to us, which has allowed us to grow our business over many years. This philosophy flows through into how we recruit and train all our financial advisers. If an individual adviser gives financial advice focused only to short term gains for the adviser and nothing for the client, they will not work at DUX Financial. 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. DUX Financial Services monitors these registers and provides additional training where necessary. DUX Financial Services performs an annual review of our compliance programme. DUX undergoes a quarterly review of product providers to maintain their suitability for our clients. ### Conflicted Remuneration Note - All fees and commissions are paid to DUX Financial Services and/or the adviser. - DUX Financial Services and the adviser uses all gross revenue to pay the operating expenses of running a compliant professional business. - DUX Financial Services then pays its tax obligations on the "net profit" after costs. - What is left, if any, is available to the adviser as personal remuneration – who then pays tax on that. - Typically, the potential conflicted remuneration for the Financial Adviser amounts to between 35–50% of gross revenue in any given year. What a client pays is not the same as what the Financial Adviser earns. --- ## Commission Rates For services in relation to *insurance, investments and loan products*, commissions may be paid by the product provider as follows: ### Initial Commission A percentage of the value of your investment contributions, loan balance or insurance premiums: | Product | Initial Commission | |---|---| | Mortgages | 0.55% to 0.85% of loan amount | | Personal and Business Risk Insurance | 80% to 210% of first year's premium | | Investments | Generally 0%; some providers may pay a small dollar commission | | KiwiSaver | 0%; some pay from $30 to $240 | | Personal Fire and General | 0% | | Commercial Fire and General (referred) | Up to 20% of the commission paid to the broker | ### Ongoing Servicing Commission A percentage of the value of your investment balance, outstanding loan amount or premiums, usually calculated at the end of each month in which you hold the investment or loan, or on renewal of insurance products: | Product | Ongoing Commission | |---|---| | Mortgages | 0% to 0.30% per annum of loan amount; or refix fees of $0 to $150 per refix | | Personal and Business Risk Insurance | 6% to 20% | | Fire and General | 15% of the Insurance Company's premium (not GST, EQC or FSL) | | KiwiSaver | 0% to 0.50% per annum of fund balance | | Managed Funds | 0% to 1% per annum of fund balance | --- ## Duties Under the Financial Markets Conduct Act 2013 we are bound to: - Give priority to client's interests - Exercise care, diligence and skill - Meet standards of competence, knowledge and skill set by the Code of Professional Conduct - Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct --- ## Complaints Handling and Dispute Resolution We intend for all our clients to have an enjoyable and productive experience with us. If there is something you are not satisfied about when dealing with your Financial Adviser and DUX Financial: **In the 1st instance**, please communicate this to your Financial Adviser so that they can help resolve this if possible. If you are not satisfied with that outcome, you can make a complaint by emailing [complaints@duxfinancial.co.nz](mailto:complaints@duxfinancial.co.nz), or by calling us on **0800 000 987**. You can also write to us at: > DUX Financial – Attn: Office Manager > PO BOX 13 511 > Johnsonville 6440 When we receive a complaint, we will follow 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 respond to complaints within **10 working days** of receiving them. If we require more time to meet that timeframe, we will call you and will aim to provide you with a realistic timeframe. - 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 our external dispute resolution scheme, the **Insurance and Financial Services Ombudsman (IFSO)**. IFSO 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. **Website:** [www.ifso.nz](http://www.ifso.nz/) **Email:** info@ifso.nz **Phone:** 0800 888 202 > IFSO Scheme > PO Box 10-845 > Wellington 6143 > NEW ZEALAND --- *Page URL: https://www.duxfinancial.co.nz/disclosure* --- ## https://financeadvisers.co.nz/api/provider/FSP677951/disclosure.md > _Markdown transcription of Certainty Financial Advisers Network Limited's Public Disclosure Statement, version 2026-05-24. Source: https://cfan.co.nz/disclosure/._ --- # CFAN Public Disclosure Statement ## Certainty Financial Advisers Network Suite 3, Level 2, 86 Parnell Road Parnell, Auckland 1052 +64 9 600 1020 info@cfan.co.nz | www.cfan.co.nz --- ## Licensing Information Certainty Financial Advisers Network Limited (FSP677951) (trading as CFAN) holds a licence issued by the Financial Markets Authority to provide financial advice. Our Financial Advisers are authorised by that licence to provide financial advice. --- ## Nature and Scope of Advice Advisers under the Certainty Financial Advisers Network Limited licence provide advice to our clients about their personal risk insurance and health insurance. Our Financial Advisers provide financial advice in relation to these financial advice products. ### For personal risk insurance we work with: - AIA - Asteron Life - Chubb Life - Fidelity Life - NIB - Partners Life ### For health insurance we work with: - AIA - NIB - Partners Life In providing you with financial advice, our Financial Advisers will only consider existing personal term life, trauma, income protection and health insurance policies (if any). We will not provide advice on existing whole of life or endowment products, so you will need to consult a specialist if you would like advice on those products. We are unable to take into consideration or provide advice on financial products issued outside of New Zealand. --- ## Fees or Expenses Advisers under the Certainty Financial Advisers Network Limited do not charge fees, expenses or any other amount for the financial advice provided to its clients provided the cover stays in force for at least 2 years. CFAN may charge a fee for the financial advice provided to a client where a client cancels a life or health insurance policy within two years of inception. Whether a fee will be charged and the manner in which it will be charged will be advised when the advice is provided to the client. This fee will be payable by the client by the 20th of the month after the policy is cancelled. --- ## Conflicts of Interest and Incentives Certainty Financial Advisers Network Limited and our financial advisers receive commissions from the insurance providers on whose products we give financial advice. If you decide to take out insurance the provider will pay a commission to Certainty Financial Advisers Network Limited and to your Financial Adviser. The amount of commission is based on the amount of the premium. 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 the client's interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the 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. Certainty Financial Advisers Network Limited monitors these registers and provides additional training where necessary. Certainty Financial Advisers Network Limited 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 contact our internal complaints team by: - **Email:** compliance@cfan.co.nz - **Phone:** +64 9 600 10 20 - **Post:** Suite 3, Level 2, 86 Parnell Road, Parnell, Auckland 1052 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact **Insurance & Financial Services Ombudsman Scheme Inc.** Insurance & Financial Services Ombudsman Scheme Inc. provides a free, independent dispute resolution service that may help investigate or resolve your complaint, if we haven't been able to resolve your complaint to your satisfaction. **Contact details for IFSO:** - **Email:** info@ifso.nz - **Phone:** 0800 888 202 or +64 4 499 7612 - **Post:** PO Box 10-845, Wellington 6143, New Zealand --- ## Duties Information Certainty Financial Advisers Network Limited, 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 isn't 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). --- ## https://financeadvisers.co.nz/api/provider/FSP680551/disclosure.md > _Markdown transcription of Abbott Insurance Brokers Hamilton Limited's Public Disclosure Statement, version 2026-05-18. Source: https://abbott.co.nz/wp-content/uploads/2021/04/Financial-Advice-Provider-Disclosure-Statement-15-March-2021-1.pdf._ --- # Financial Advice Provider Disclosure Statement ## Licence status and conditions Abbott NZ Holdings Limited FSP704491 (Abbott, we, our), trading as Abbott Insurance Brokers and Abbott Life and Health, holds a licence issued by the Financial Markets Authority to provide financial advice. The Authorised Bodies under this licence are: - Abbott Insurance Brokers Auckland Ltd - Abbott Insurance Brokers Christchurch Ltd - Abbott Insurance Brokers Hamilton Ltd - Abbott Insurance Brokers Nelson Marlborough Ltd - Abbott Insurance Brokers Rangiora Ltd - Abbott Insurance Brokers Southern Ltd - Abbott Insurance Brokers Wellington Ltd - Abbott Life and Health (2015) Ltd - Abbott Management Ltd - Abbott Underwriting Agency Holdings Ltd - B & A Insurance Ltd - IC Frith Life & Health Ltd Our licence requires us to: - Keep records of all financial advice. - Have an internal process for resolving client complaints. - Comply with all financial markets conduct regulations, such as disclosing information to clients and reporting to regulatory authorities. ## Nature and scope of advice We engage financial advisers under our Authorised Bodies to provide financial advice on the following: - General insurance (commercial assets and liabilities and personal assets and liabilities) - Life and health insurance - KiwiSaver - Investments - Retirement planning - Mortgage and lending planning ### General insurance General insurance policies insure your personal or business assets, business income, and your personal and business liabilities. We have access to most insurance markets in New Zealand (excluding insurers that do not accept insurance through insurance brokers), along with access to overseas markets as required. The specific types of general insurance individual advisers can advise on may vary. ### Life and health insurance Life and health policies insure you as an individual, personally and within your business, for death, accident or illness. This is to help protect you, your business and family e.g. your ability to service any debt, provide funds for your estate, gain access to medical treatment or take time off work, and protect your business and your personal income. We have access to the major insurers in the New Zealand market. We can provide advice in relation to the following life and health insurance products. - ACC CoverPlus Extra - Accidental Death - Business Expenses - Debt Protection - Group Medical Insurance - Group Risk Insurance - Income Protection - Life Cover - Loss of Key Person/Loss of Revenue - Mortgage Protection - Private Medical Cover - Redundancy - Shareholders Cover - Terminal Illness - Total & Permanent Disability - Trauma Cover/Severity Based Trauma Covers - Waiver of Premium The specific types of life and health insurance individual advisers can advise on may vary. ### Investments, KiwiSaver and lending KiwiSaver helps you accumulate funds for a deposit on your first home and/or build funds for your retirement. Longer term investing helps you build a diversified portfolio to achieve your financial goals or retirement. Lending helps you with the purchase of property and assets. We have access to the main banks and second tier lenders. We can provide advice in relation to the following investment and lending products. - Car loans - Commercial loans - Extended vehicle warranty products - Home loans - Investments - KiwiSaver - Personal loans - SimpleWills The specific types of products individual advisers can advise on may vary. ## Fees and expenses ### General insurance If you take our advice and we place insurance on your behalf, we may charge a fee for implementing that advice and to maintain a high level of service to you throughout the policy period. A documentation fee will be included in your policy charge. The amount of any fee will be disclosed when we provide advice to you. There is no cost to you if you choose not to take our advice. ### Life and health insurance We receive commission from the providers of products we recommend but, on occasion, some providers may not pay a commission. In this situation, we may charge fees. If a fee will apply to the advice we provide, we will advise you before providing any advice so you may choose whether you wish to proceed on that basis. ### KiwiSaver and lending The following service fees apply. - KiwiSaver membership fees are paid to Abbott NZ Holding Limited by provider. - Fees can be added to your loan amount and will be paid to Abbott at the time your loan is advanced. ## Conflicts of interest and commissions or other incentives We manage all conflicts of interest, ensuring our financial advisers prioritise your interests above their own by following an advice process that ensures our recommendations are made on the basis of your needs and circumstances. All of our financial advisers complete training to understand and manage conflicts of interest. We maintain a register of conflicts of interests and any gifts and other incentives that we may receive. We review our compliance programme annually. ### General insurance We will receive commission from the insurance companies on whose policies we give advice. If you decide to take out a policy, the insurer will pay us commission based on the premium that you pay. We are a member of Steadfast NZ Limited (Steadfast). Steadfast supplies technology platforms, management, marketing, professional, technical, and buying benefits and services to support us in providing our financial advice services. Steadfast has arrangements with insurance companies under which Steadfast receives a professional services fee of up to 1.5% of the premium paid for each policy arranged by us with those insurers. These payments are used to operate Steadfast. A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute, including in respect of liability. In this instance the adviser would clearly disclose the conflict of interest to the clients and would refer one of these clients to another of our financial advisers for further advice and assistance. ### Premium funding Premium funding enables you to pay the insurance premium over the term of your policy by instalments rather than as one amount. Premium funders charge interest, and they take a power of attorney over your insurance policy, which means they have the ability to cancel your insurance policy if you fail to pay an instalment. We own the following premium funding companies, Abbott Premium Funding Company Limited and Endeavour Premium Finance Limited. Our premium funding companies may advance your premium allowing you to spread the payments over the term of your policy. If you enter into a premium funding arrangement with either of our companies, we will receive an interest component as disclosed in your premium funding documentation, and as per our disclosure obligations under the Credit Contracts Act. ### Life and health insurance We receive commission from the insurance companies whose policies we recommend. If you decide to take out the insurance we recommend, the insurer will pay commission to Abbott and/or the financial adviser who provider the advice. The amount of commission is based on the amount of premium associated with the insurance, which will be disclosed when the advice is given. ### Mortgages and lending We receive commission from some of the lenders we can provide mortgage recommendations for. If you proceed to implement the lending with the lender recommended to you, the lender will pay a commission to your financial adviser. The amount of the commission is based on the amount of the lending and specific remuneration will be advised to you when the advice is provided. ## Complaints process and dispute resolution ### Internal complaints process If you have a problem, concern or complaint about our service, please tell us so that we can try to put things right. Our contact details are: - complaints@abbott.co.nz - 0800 238 473 - Abbott Feedback, PO Box 3086, Christchurch 8140 Our internal complaints process is as follows: - We will consider your complaint and let you know how we intend to resolve it. We may need to contact you for additional information. - We aim to resolve complaints within 20 business days of receiving them. If we cannot resolve the issue, 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. ### Dispute resolution If you feel we have not resolved your complaint satisfactorily despite our best efforts, you may refer your complaint to Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service. FSCL is our independent external ombudsman and dispute resolution service that has been approved by the Minister of Consumer Affairs under the Financial Service Providers (Registration and Dispute Resolution) Act 2088. FSCL's service is free of charge to you. The contact details for FSCL are: Financial Services Complaints Limited (FSCL) PO Box 5967, Wellington 6145 0800 347 257 complaints@fscl.org.nz www.fscl.org.nz ## Duties information Our financial advisers have duties under the Financial Markets Conduct Act 2013 relating to the way we give advice. We are bound to: - Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice. - Give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice. - Exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances. - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. ## Contact details 128 Kilmore Street, Christchurch 8013 PO Box 3086, Christchurch 8140 0800 238 473 enquiries@abbott.co.nz --- ## https://financeadvisers.co.nz/api/provider/FSP682071/disclosure.md > _Markdown transcription of Futurisk Insurance Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.futurisk.co.nz/important-information._ --- # Important Information | Futurisk NZ ## Document Downloads The following policy and disclosure documents are available for download: | Document | Link | |---|---| | Manawatu Disclosure | [Download](https://www.futurisk.co.nz/_files/ugd/045606_bc3d77294e3648b9bbe2752c3613ed08.pdf) | | Privacy Policy | [Download](https://www.futurisk.co.nz/_files/ugd/045606_f655d504ff064587972c0baf49dfbafc.pdf) | | Waikato Disclosure | [Download](https://www.futurisk.co.nz/_files/ugd/045606_f1e74daa9cf04e0fa4c39c35b603f986.pdf) | | Complaints Policy | [Download](https://www.futurisk.co.nz/_files/ugd/045606_0c8f626171f54eebb7db9fef6b2fe168.pdf) | | Kāpiti Disclosure | [Download](https://www.futurisk.co.nz/_files/ugd/045606_a660dedd2ad64b978e831410f1cb6c06.pdf) | | General Insurance Disclosure | [Download](https://www.futurisk.co.nz/_files/ugd/045606_f7bd113018a547f487683e51bc8f4561.pdf) | | General Insurance Kāpiti Disclosure | [Download](https://www.futurisk.co.nz/_files/ugd/045606_a79b8aab46cd407ca5cf3b4596b104aa.pdf) | --- **Freephone:** [0800 17 18 19](tel:+640800171819) --- > **Note:** The full text of each disclosure document (including FAP details, scope of advice, fees, commissions, conflicts of interest, complaints process, dispute resolution scheme, professional indemnity insurance, and provider/product panels) is contained within the linked PDF sub-documents above. The web page itself does not reproduce the content of those documents inline. --- ## https://financeadvisers.co.nz/api/provider/FSP682791/disclosure.md > _Markdown transcription of North West Group Holdings Limited's Public Disclosure Statement, version 2026-05-24. Source: https://mortgagemanagers.co.nz/company-disclosure-important-information/._ --- # Company Disclosure | Important Information We are providing our Mortgage Managers disclosure to help you understand how our business operates and to ensure that you have the information that you need for the purposes of selecting a financial adviser that will meet your needs. In addition to this public information, you will always be provided with a general disclosure when you engage our services, plus a disclosure specific to the advice to you once it is known exactly what the scope of service is, your situation fully understood and therefore the recommendation is complete. --- ## Business Name & Financial Advice Provider (FAP) We trade as **Mortgage Managers** but our company is **North West Group Holdings Limited**. The **Financial Advice Provider (FAP)** is North West Group Holdings Limited. The **Financial Services Provider (FSP) number** is **682791** North West Group Holdings Limited was issued the **Class 2 Financial Adviser Provider Licence** by the Financial Markets Authority (FMA) on **28th September 2022**. --- ## Types of Financial Services Provided As the name Mortgage Managers would suggest our prime business is providing residential mortgages within New Zealand. We do however provide advice on a range of financial products including: - **Residential Lending** – both bank and non-bank mortgages plus 2nd mortgages - **Commercial Lending** – both bank and non-bank mortgages plus 2nd mortgages - **Business Lending** – business finance can include a range of lending types including overdrafts, revolving credit facilities, vehicle and equipment finance and leasing, debtor facilities and term loans - **Development Funding** – both bank and non-bank lending - **Insurances** – both personal and general insurances - **KiwiSaver** – discussions and information provided for KiwiSaver - **Investments** – discussions and information provided for investments --- ## Will You Be Charged By Mortgage Managers? By law we have to disclose how we get paid and it can cause confusion with some people thinking they may be charged when that is not the case, so just to be clear: - **We will always complete an initial assessment at no charge.** - **When mortgages are arranged with the banks, we don't charge any upfront fees as the banks pay us a commission.** - If the lending is not a bank mortgage then a fee will most likely apply, but that will be disclosed and agreed before you get charged anything. We will always be clear with what the costs are – we don't want you to have any surprises. You will be advised of any fees and charges (if applicable) as soon as we know what lender/s will be engaged and once we know what they may charge. --- ## Commission, Fees & Charges Our company may receive commissions at settlement from the relevant lender if you choose to take out a mortgage following our advice. The commissions are between **0.45% and 0.88%** of the initial mortgage balance or amount funded. Commissions are paid to the company on or after settlement of the loans. In addition to any commissions received, our company charges fees. These adviser fees mainly apply to applications to non-bank lenders, for personal loans, 2nd mortgages and business finance. These fees are often included in the loan offer and paid to the company by the lender, but may be included in the funds advanced and therefore need to be invoiced by the company and paid on settlement by your solicitor or yourself. ### Adviser Fees | Lending Type | Adviser Fee Range | |---|---| | Non-bank mortgage lending | $2,400 – $6,000 | | Personal loans | $300 – $900 | | 2nd mortgages | $900 – $3,600 | | Other property lending | $2,400 – $6,000 | | Business finance | $900 – $3,600 | ### Deferred Adviser Fee (Bank Mortgages) For mortgages arranged with banks there is a **deferred adviser fee of $2,400** that will be charged if the loan is repaid or refinanced within **24 months**, as banks have a writeback policy and can writeback the commissions that we have received. This fee is only charged if the loan is repaid or refinanced and there is commission needed to be paid back to the bank. In these cases we will invoice you and the deferred adviser fee is payable within **7 days**. ### Ongoing Commissions We may also receive **0.15% to 0.30%** of the mortgage balance on an ongoing basis, and/or a payment from the lender for refixing or restructuring of the loans. These commissions are paid directly from the bank or lender to the business. All commissions, fees and charges for your specific application will be advised in writing by the adviser once known. In most cases any commission or fees received are shared with the adviser and Mortgage Managers for providing the adviser with compliance support, training, and back-office support. --- ## Working With Us & Addressing Concerns If you have any concerns you have four ways to address these: 1. Firstly it is always best to make sure that your adviser is aware of any concerns as they can generally resolve them. 2. Make a complaint via our Making a Complaint page for a fast response. 3. You can raise any concerns with **Stuart Wills**, who is the principal at Mortgage Managers. 4. If your concerns or complaints cannot be resolved through this process you can contact our external disputes resolution scheme: **Financial Services Complaints Ltd (FSCL)** PO Box 5967, Wellington Phone: **0800 347 257** This service will cost you nothing and will help resolve any complaints. --- *Further detail on commissions, fees and charges is available on the Mortgage Managers website. Sub-documents referenced include: a commissions/fees/charges page, a "Working with Your Mortgage Adviser" page, and a "Making a Complaint" page.* --- ## https://financeadvisers.co.nz/api/provider/FSP691631/disclosure.md > _Markdown transcription of Abbott Insurance Brokers Rangiora Limited's Public Disclosure Statement, version 2026-05-24. Source: https://abbott.co.nz/wp-content/uploads/2021/04/Financial-Advice-Provider-Disclosure-Statement-15-March-2021-1.pdf._ --- # Financial Advice Provider Disclosure Statement ## Licence status and conditions Abbott NZ Holdings Limited FSP704491 (Abbott, we, our), trading as Abbott Insurance Brokers and Abbott Life and Health, holds a licence issued by the Financial Markets Authority to provide financial advice. The Authorised Bodies under this licence are: - Abbott Insurance Brokers Auckland Ltd - Abbott Insurance Brokers Christchurch Ltd - Abbott Insurance Brokers Hamilton Ltd - Abbott Insurance Brokers Nelson Marlborough Ltd - Abbott Insurance Brokers Rangiora Ltd - Abbott Insurance Brokers Southern Ltd - Abbott Insurance Brokers Wellington Ltd - Abbott Life and Health (2015) Ltd - Abbott Management Ltd - Abbott Underwriting Agency Holdings Ltd - B & A Insurance Ltd - IC Frith Life & Health Ltd Our licence requires us to: - Keep records of all financial advice. - Have an internal process for resolving client complaints. - Comply with all financial markets conduct regulations, such as disclosing information to clients and reporting to regulatory authorities. ## Nature and scope of advice We engage financial advisers under our Authorised Bodies to provide financial advice on the following: - General insurance (commercial assets and liabilities and personal assets and liabilities) - Life and health insurance - KiwiSaver - Investments - Retirement planning - Mortgage and lending planning ### General insurance General insurance policies insure your personal or business assets, business income, and your personal and business liabilities. We have access to most insurance markets in New Zealand (excluding insurers that do not accept insurance through insurance brokers), along with access to overseas markets as required. The specific types of general insurance individual advisers can advise on may vary. ### Life and health insurance Life and health policies insure you as an individual, personally and within your business, for death, accident or illness. This is to help protect you, your business and family e.g. your ability to service any debt, provide funds for your estate, gain access to medical treatment or take time off work, and protect your business and your personal income. We have access to the major insurers in the New Zealand market. We can provide advice in relation to the following life and health insurance products. - ACC CoverPlus Extra - Accidental Death - Business Expenses - Debt Protection - Group Medical Insurance - Group Risk Insurance - Income Protection - Life Cover - Loss of Key Person/Loss of Revenue - Mortgage Protection - Private Medical Cover - Redundancy - Shareholders Cover - Terminal Illness - Total & Permanent Disability - Trauma Cover/Severity Based Trauma Covers - Waiver of Premium The specific types of life and health insurance individual advisers can advise on may vary. ### Investments, KiwiSaver and lending KiwiSaver helps you accumulate funds for a deposit on your first home and/or build funds for your retirement. Longer term investing helps you build a diversified portfolio to achieve your financial goals or retirement. Lending helps you with the purchase of property and assets. We have access to the main banks and second tier lenders. We can provide advice in relation to the following investment and lending products. - Car loans - Commercial loans - Extended vehicle warranty products - Home loans - Investments - KiwiSaver - Personal loans - SimpleWills The specific types of products individual advisers can advise on may vary. ## Fees and expenses ### General insurance If you take our advice and we place insurance on your behalf, we may charge a fee for implementing that advice and to maintain a high level of service to you throughout the policy period. A documentation fee will be included in your policy charge. The amount of any fee will be disclosed when we provide advice to you. There is no cost to you if you choose not to take our advice. ### Life and health insurance We receive commission from the providers of products we recommend but, on occasion, some providers may not pay a commission. In this situation, we may charge fees. If a fee will apply to the advice we provide, we will advise you before providing any advice so you may choose whether you wish to proceed on that basis. ### KiwiSaver and lending The following service fees apply. - KiwiSaver membership fees are paid to Abbott NZ Holding Limited by provider. - Fees can be added to your loan amount and will be paid to Abbott at the time your loan is advanced. ## Conflicts of interest and commissions or other incentives We manage all conflicts of interest, ensuring our financial advisers prioritise your interests above their own by following an advice process that ensures our recommendations are made on the basis of your needs and circumstances. All of our financial advisers complete training to understand and manage conflicts of interest. We maintain a register of conflicts of interests and any gifts and other incentives that we may receive. We review our compliance programme annually. ### General insurance We will receive commission from the insurance companies on whose policies we give advice. If you decide to take out a policy, the insurer will pay us commission based on the premium that you pay. We are a member of Steadfast NZ Limited (Steadfast). Steadfast supplies technology platforms, management, marketing, professional, technical, and buying benefits and services to support us in providing our financial advice services. Steadfast has arrangements with insurance companies under which Steadfast receives a professional services fee of up to 1.5% of the premium paid for each policy arranged by us with those insurers. These payments are used to operate Steadfast. A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute, including in respect of liability. In this instance the adviser would clearly disclose the conflict of interest to the clients and would refer one of these clients to another of our financial advisers for further advice and assistance. ### Premium funding Premium funding enables you to pay the insurance premium over the term of your policy by instalments rather than as one amount. Premium funders charge interest, and they take a power of attorney over your insurance policy, which means they have the ability to cancel your insurance policy if you fail to pay an instalment. We own the following premium funding companies, Abbott Premium Funding Company Limited and Endeavour Premium Finance Limited. Our premium funding companies may advance your premium allowing you to spread the payments over the term of your policy. If you enter into a premium funding arrangement with either of our companies, we will receive an interest component as disclosed in your premium funding documentation, and as per our disclosure obligations under the Credit Contracts Act. ### Life and health insurance We receive commission from the insurance companies whose policies we recommend. If you decide to take out the insurance we recommend, the insurer will pay commission to Abbott and/or the financial adviser who provider the advice. The amount of commission is based on the amount of premium associated with the insurance, which will be disclosed when the advice is given. ### Mortgages and lending We receive commission from some of the lenders we can provide mortgage recommendations for. If you proceed to implement the lending with the lender recommended to you, the lender will pay a commission to your financial adviser. The amount of the commission is based on the amount of the lending and specific remuneration will be advised to you when the advice is provided. ## Complaints process and dispute resolution ### Internal complaints process If you have a problem, concern or complaint about our service, please tell us so that we can try to put things right. Our contact details are: - complaints@abbott.co.nz - 0800 238 473 - Abbott Feedback, PO Box 3086, Christchurch 8140 Our internal complaints process is as follows: - We will consider your complaint and let you know how we intend to resolve it. We may need to contact you for additional information. - We aim to resolve complaints within 20 business days of receiving them. If we cannot resolve the issue, 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. ### Dispute resolution If you feel we have not resolved your complaint satisfactorily despite our best efforts, you may refer your complaint to Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service. FSCL is our independent external ombudsman and dispute resolution service that has been approved by the Minister of Consumer Affairs under the Financial Service Providers (Registration and Dispute Resolution) Act 2088. FSCL's service is free of charge to you. The contact details for FSCL are: Financial Services Complaints Limited (FSCL) PO Box 5967, Wellington 6145 0800 347 257 complaints@fscl.org.nz www.fscl.org.nz ## Duties information Our financial advisers have duties under the Financial Markets Conduct Act 2013 relating to the way we give advice. We are bound to: - Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice. - Give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice. - Exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances. - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. ## Contact details 128 Kilmore Street, Christchurch 8013 PO Box 3086, Christchurch 8140 0800 238 473 enquiries@abbott.co.nz --- ## https://financeadvisers.co.nz/api/provider/FSP691751/disclosure.md > _Markdown transcription of Smartlife Financial Solutions Limited's Public Disclosure Statement, version 2026-05-24. Source: https://smartlifefs.co.nz/disclosure/._ --- # Disclosure — Smartlife Financial Solutions Ltd **Smartlife Financial Solutions Ltd**, FSP 691751, trading as **Smartlife Financial Solutions**, is a Financial Advice Provider (FAP) regulated by the Financial Markets Authority. --- ## Nature and Scope of the Advice We can provide you with advice about the following products from the range of product providers specified below: ### Mortgages and Personal Loans - ANZ, Westpac, BNZ, ASB, ASAP Finance Limited, Avanti Finance, Cressida, DBR, First Mortgage Trust, Heartland Bank, Liberty Financial, NZCU, Pepper Money, RESIMAC, SBS Bank, SELECT, Southern Cross, Sovereign, The Cooperative Bank. ### Personal Insurance Products *(e.g. life, health, disability, income protection)* - **Life Insurance** – AIA, Asteron, Fidelity Life, Partners Life - **Health Insurance** – AIA, Partners Life & NIB ### General and Business Insurance Products *(e.g. home, contents, vehicle, landlord protection, travel)* - **General Insurance** – AMP Insurance; Tower Insurance is also referred. ### KiwiSaver - Generate KiwiSaver Scheme --- ## Fees or Expenses Generally, we will not charge you a fee or expenses for any financial advice we provide you. This is because we are paid by the lenders/insurers/KiwiSaver providers in the form of commission. The commission we receive from the product provider is not charged on top of their normal service or loan/insurance policy charges to you. See more information about these commissions below. --- ## Cancellation Fees In limited circumstances, you may have to pay us a fee. A fee will be charged to you in the following circumstances: - **Lending/Mortgage advice:** For whatever reason, you cancel your loan within 24–36 months after the loan is advanced (depending upon the lender). If this occurs, the product provider requires us to pay back the commission we received from the lender, on a sliding scale based upon the length of time you have the loan. If you cancel your loan within the cancellation fee time period, we will assess the amount you will need to pay at the time, and invoice this to you, based on what we are advised by the lender. The invoice must be paid within 15 days. - **Insurance advice:** For whatever reason the insurance policy is cancelled within 24 months of the commencement date of the policy. Whether a fee will be charged and the manner in which it will be charged will be advised when the advice is provided to the client. The invoice must be paid within 15 days. --- ## Conflicts of Interest and Commissions ### Mortgage and Loans Smartlife Financial Solutions Limited receive commission from the relevant lender if you obtain lending through them. We generally receive an initial upfront commission, which ranges from **0.40% to 1.50%** of the loan amount. Some lenders also pay us a trail commission. This ranges between **0.10% to 0.30%** of the remaining loan balance each year. We will confirm and disclose to you the exact rate of commission in our statement of advice and final disclosure based on the lender, should you decide to proceed. ### Insurance For life insurance, general insurance and health insurance, Smartlife Financial Solutions Limited receive commissions from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to Smartlife Financial Solutions Limited. The amount of the commission is based on the amount of the premium. | Product | Initial Commission | Ongoing Service Commission (annual) | |---|---|---| | Life Insurance | 180%–200% (GST inclusive) of the premium | 7.5%–10% of the premium | | Health Insurance | 30%–140% of the annual premium | 7.5% of the premium | 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 undertake a compliance audit, and a review of our compliance programme is undertaken annually by a reputable compliance adviser. We maintain registers of conflicts of interests, and the gifts and incentives we receive. Smartlife Financial Solutions Limited monitors these registers and provides additional training where necessary. --- ## Complaints Handling and Dispute Resolution If you are not satisfied with our service or financial advice, please tell us as soon as possible. - **Call:** [0225225366](tel:0225225366) - **Email:** [info@smartlifefs.co.nz](mailto:info@smartlifefs.co.nz) - **Write to:** 671 Richardson Road, Mount Roskill, Auckland, New Zealand 1041 ### 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 immediately, we will acknowledge your complaint within 2 business days. We may contact you to get further information about your complaint. - We aim to resolve complaints within 10 working days of receiving them. 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 cannot agree on how to fix the issue, or if you decide not to use our internal complaints process, you can contact our external disputes resolution scheme: **Financial Services Complaints Limited (FSCL)** Financial Services Complaints Limited provides a free and independent dispute resolution service that may help to resolve your complaint if we haven't been able to do so to your satisfaction. - **Call:** [0800 347 257](tel:0800347257) - **Email:** [complaints@fscl.org.nz](mailto:complaints@fscl.org.nz) - **Write to:** Level 4, 101 Lambton Quay, Wellington 6011 --- ## Duties Information Smartlife Financial Solutions and our advisers 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; - exercise care, diligence, and skill; - meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services; - meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services. --- ## Contact Details **Smartlife Financial Solutions Limited**, FSP 691751, trading as Smartlife Financial Solutions, is the Financial Advice Provider. - **Call:** [0225225366](tel:0225225366) - **Email:** [info@smartlifefs.co.nz](mailto:info@smartlifefs.co.nz) - **Write to:** 671 Richardson Road, Mount Roskill, Auckland, New Zealand 1041 --- *A downloadable PDF version of this disclosure is available at: [https://smartlifefs.co.nz/disclosure.pdf](https://smartlifefs.co.nz/disclosure.pdf)* --- ## https://financeadvisers.co.nz/api/provider/FSP692551/disclosure.md > _Markdown transcription of Gbpensions Limited's Public Disclosure Statement, version 2026-05-18. Source: http://gbpensions.co.nz/wp-content/uploads/2022/04/GBPensions-Public-Disclosure-Statement-03-2022-1-UPDATED.pdf._ --- # Public Disclosure Statement ## License status and conditions GBPensions Limited ("GBPensions") holds a license issued by the Financial Markets Authority ("FMA") to provide financial advice with Financial Service Providers Register number FSP692551. GBPensions is not bound under restrictions on this license. ## Nature and scope of advice GBPensions provides advice in respect of the transfer of monies from one pension scheme to another and the investment of these monies into a portfolio within the receiving pension scheme. GBPensions also provides advice on the investment of other monies, including those withdrawn from pension schemes, into a portfolio. In providing its services, GBPensions utilises Qualifying Recognised Overseas Pension Schemes ("QROPS"), Self-Invested Personal Pensions ("SIPPs"), providing access to managed funds and UK investment trusts, plus direct shares and bonds (unlisted/listed within funds). GBPensions also advises on and facilitates full withdrawal of benefits from UK pension schemes, utilising the double taxation agreement between the UK and NZ. GBPensions is not limited to any product provider, however the QROPS it can recommend to receive transferred pension monies come from the IVCM group of companies, i-Select Limited, and the Booster Group. The SIPPs utilised are Sovereign Pension Services (UK) Limited and iPensions Group Limited. Where the QROPS does not include management of the investment portfolio as part of its scheme, GBPensions recommends the services of Select Wealth Management Limited, whose services are also used for personal portfolios. For the management of an investment portfolio within a SIPP, GBPensions recommends the services of Capital International Group. ## Fees, expenses, and amounts payable GBPensions' services are fee-based, as shown below: a) One-off Initial Transfer Fee based on the amount of funds invested, deducted from the transferred amount(s) once lodged with the receiving scheme b) One-off Benefit Withdrawal Fee for release of funds directly from a UK pension scheme in accordance with the DTA, invoiced directly c) One-off Portfolio Set-up Fee for advising on and setting up a personal portfolio, invoiced directly d) Ongoing Servicing Fee based on a percentage of the amount of funds under management, deducted from those funds on a monthly or quarterly basis ## Conflicts of interest and commissions or other incentives Currently there are no conflicts of interest relating to the services provided by GBPensions. Members of the Booster SuperScheme QROPS have an annual fund charge levied on the net asset value of their fund(s), which is calculated daily. GBPensions receives a percentage of this charge as a monthly commission payment. ## Complaints Process If there are any problems, concerns, or complaints about any part of GBPensions' services, contact its internal complaints scheme, which will endeavour to rectify the matter. This can be done by outlining your complaint in writing and sending it to: **Address:** Compliance, GBPensions, PO Box 303 094, North Harbour, Auckland 0751 **Email:** compliance@gbpensions.co.nz ## Dispute resolutions process If GBPensions cannot agree on how to fix the issue, or if you decide not to use its internal complaints scheme, you can contact the Dispute Resolution Service, the Insurance and Financial Services Ombudsman (IFSO). This service will cost you nothing and may help resolve any disagreements. You can contact IFSO at: **Address:** PO Box 10 845, Wellington 6143 **Tel:** 0800 888 202 / (04) 499 7612 **Fax:** (04) 499 7614 **Email:** info@ifso.nz ## Duties information In accordance with the Code of Professional Conduct for Financial Advice Services, GBPensions and its advisers are required to meet certain duties, such as: a) Ensuring they meet the appropriate standards of competence, knowledge, and skill. b) Giving priority to clients' best interests. c) Exercising care, diligence, and skill in giving financial advice. d) Meeting the standards of ethical behaviour, conduct, and client care as set out in the Code. --- ## https://financeadvisers.co.nz/api/provider/FSP697011/disclosure.md > _Markdown transcription of Htl Group Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.thehtlgroup.co.nz/disclosure._ --- # Disclosure Information for Clients | The HTL Group --- ## Licensing Information HTL Group Ltd (FSP697011, trading as The HTL Group) holds a licence issued by the Financial Markets Authority to provide financial advice. Our Financial Advisers are all registered on the Financial Service Provider Register and are fully qualified. --- ## Nature & Scope of Advice The HTL Group provides advice to our clients about their investments, life insurance, fire and general insurance and health insurance. ### Investment Our investment advisers provide financial advice in relation to KiwiSaver, Managed Funds, direct equities, bonds and term deposits. We only provide financial advice about products from certain providers. For KiwiSaver we work with: - Milford Asset Management - Booster - ANZ - AMP - Fisher Funds - NZ Funds - Generate For investment products other than KiwiSaver, we provide advice on a wide range of Managed Investment products, equities and government and corporate bonds. ### Life & Health Insurance Our insurance advisers provide financial advice about products from certain providers. **Life Insurance providers:** - Fidelity - AIA - Resolution Life (formerly AMP) - Asteron - Partners Life - Chubb (formerly Cigna) **Health Insurance providers:** - Southern Cross - NIB - Partners Life - Accuro - AIA - UniMed ### Fire & General Insurance We provide General Insurance advice on a wide range of products and providers. These providers include Vero, AMP, NZI, Ando, Delta, Dual, Chubb and many more. To learn more about who we work with, see: [https://www.insuranceadvisernet.co.nz/our-team-our-partners#partners](https://www.insuranceadvisernet.co.nz/our-team-our-partners#partners) We have relationships with the following providers to offer premium funding options to clients who wish to pay their fire & general insurance in instalments: | Funder | Website | |---|---| | Elantis | [www.elantis.com.au](http://www.elantis.com.au) | | Financial Synergy | [www.financialsynergy.co.nz](https://www.financialsynergy.co.nz/) | | Hunter | [www.hpf.co.nz](http://www.hpf.co.nz) | | iQumulate | [www.iqumulate.com](http://www.iqumulate.com) | ### Mortgage Our mortgage advisers provide financial advice in relation to residential and investment property lending, including new lending, refinancing, loan restructuring and fixed versus floating loan options. We work with a wide range of registered banks and non-bank lenders operating in New Zealand to identify suitable lending solutions based on our clients' circumstances and objectives. We only provide financial advice about products from certain providers. As we do not consider every lender in the market, our advice is limited to the providers we work with. --- ## Fees & Expenses for Financial Advice **Investment Advice:** There is no fee for seeking investment advice. HTL Group only charge fees for the provision of ongoing investment management and subsequent financial advice services. **Insurance Advice:** HTL Group receives a payment from the insurance provider as a percentage of your premium. If you have complex insurance requirements, HTL Group may also charge a fee for analysing your needs and producing a plan for you. However any fees to be charged will be after discussion and agreement with you. **Mortgage Advice:** The lender may pay a commission if you decide to take up our advice and when your loan settles. The specific commission will be disclosed to you in our statement of advice. There is no fee payable for the provision of our mortgage advice. However, HTL may charge you for the financial advice provided if you cancel or refinance your mortgage within the first 28 months after it settles. --- ## Conflicts of Interest & Incentives For life, health, and fire & general insurance, The HTL Group receive commissions from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to The HTL Group. The amount of the commission is based on the amount of the premium. A portion of this may be passed on to your adviser. Where a premium funding service is provided, The HTL Group receive a percentage of the premium funding. For investments, The HTL Group receive a portfolio servicing fee and/or a trail commission from the investment providers on whose policies we give advice. The HTL Group may receive payments from product suppliers for the amount of business placed with them. The HTL Group advisers may from time to time receive additional non-monetary benefits from product suppliers such as subsidised professional development and training, conferences, special functions, entertainment, and merchandise. These rewards vary from entity to entity and from time to time. It is at the discretion of The HTL Group whether non-monetary rewards are accepted for our team. To ensure that our financial advisers prioritise the client's interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the client's goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. --- ## Related Sub-Pages The following linked pages form part of The HTL Group's disclosure information for clients: - **Complaints & Disputes:** [/complaints](https://www.thehtlgroup.co.nz/complaints) - **Privacy Statement:** [/privacy-statement](https://www.thehtlgroup.co.nz/privacy-statement) - **Our Duties to You:** [/our-duties](https://www.thehtlgroup.co.nz/our-duties) --- ## https://financeadvisers.co.nz/api/provider/FSP706272/disclosure.md > _Markdown transcription of Eliteinsure Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.eliteinsure.co.nz/public-disclosure-information/._ --- # Financial Advice Provider Disclosure Information **Eliteinsure Ltd (Eliteinsure)** *Last updated: 30 May 2025* --- ## About Eliteinsure Ltd (Eliteinsure) Eliteinsure is a Financial Advice Provider that holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice services. You can find us listed on the Financial Service Providers Register at fsp-register.companiesoffice.govt.nz. - **Eliteinsure FSP Number:** 706272 - **Contact Number:** 0508 123 467 - **Email Address:** admin@eliteinsure.co.nz - **Address:** 27C Mauranui Avenue, Epsom, Auckland 1051, New Zealand The conditions of our licence allow us to provide the following financial advice services: - Disability, Life and Health Insurance - KiwiSaver - Managed Investment Products - Mortgages (Residential and Commercial) & Business Lending Eliteinsure has been in the financial industry since March 2016. We are a 'close-knit' team of professionals with a wealth of experience where we aim to offer the best financial solutions to clients for their insurance and investment needs. The information on this page is to help make informed decisions about whether to seek, obtain or act on advice provided by Eliteinsure. --- ## Scope of Advice ### KiwiSaver and Related Managed Investment Products At Eliteinsure, we provide generalised advice about KiwiSaver, limited to the 2 providers we have chosen to work with. Generalised advice is a non-personalised service where we can help you work out what your risk profile is when it comes to investing and recommend a KiwiSaver fund that matches your tolerance for financial risk. If you require investment planning or retirement planning services, Eliteinsure will refer you to a specialised internal service limited to Concilium or NZ Funds wealth builder product. **Providers we work with:** - Booster - Concilium - NZ Funds This means that Eliteinsure will only consider the providers listed above when implementing a product to meet your investment needs. --- ### Personal Life Risk and Medical Insurance At Eliteinsure, we offer two services related to insurance: - **Six-Step Advice Process:** This is the recommended approach for all clients who seek advice and full service. - **Transaction Service:** This is recommended to clients who have existing knowledge of insurance products and structures with specific and well-defined requests where going through the full recommendation process wouldn't be appropriate. **Providers we work with:** Eliteinsure have chosen to work with the following personal risk and medical insurers: - AIA - Asteron Life - Chubb Life - Fidelity Life - NIB - Partners Life - Southern Cross This means that Eliteinsure will only consider the providers listed above when recommending a product to meet your personal risk insurance needs. --- ### Mortgages (Residential and Commercial) & Lending Eliteinsure provides advice on residential and commercial mortgages as well as business lending. We assess your financial position and goals to recommend suitable lending solutions, including home loans, commercial property finance, and business funding. **Lenders We Work With:** We have chosen to work with the following banks and non-bank lenders: - AIA Home Loans - ANZ Bank New Zealand Limited - ASAP Finance - ASB Bank Limited - Avanti Finance Limited - Cressida Capital - DBR Home Loans - Kiwibank Limited - Liberty Financial Limited - Pepper New Zealand Limited - SBS Bank - The Co-operative Bank Limited Eliteinsure will only consider these lenders when recommending lending solutions. Our advisers follow a client-first process to ensure transparency, suitability, and clarity in all lending recommendations. *Note – The list of lenders may change from time to time.* --- ### General Insurance (Home, Contents & Car) To ensure that our clients receive the highest level of advice and service, we have a team of Fire and General Insurance Specialists, **Blanket Advice Limited**, that we refer all our clients to. If you take out a policy with Blanket on the back of our referral, our advisers may receive a small referral commission depending on which insurance products you take out cover with, after taxes. --- ## Fees and Costs ### Investment-Related Services - **Tier 1** – We do not charge any fees for implementing a KiwiSaver solution through generalised advice. - **Tier 2** – We charge an hourly rate of $200, capped at $6,000. This is a comprehensive advice service where we can do investment planning and/or retirement planning. (Tier 2 services are to be agreed upfront.) ### Fee for Cancellation or Reduction of Insurance Cover If you cancel or reduce your insurance cover within 24 months of the policy/policies being issued, a fee will be charged to you and Eliteinsure Ltd will invoice you for this fee. We charge this fee because cancellation or reduction of an insurance policy arranged by Eliteinsure within a 24-month period may result in a clawback of the commission Eliteinsure was paid by the insurance company when you took out the policy. A typical insurance policy takes around 15–25 hours from the point of initial contact to the issue of the policy and the provider commission usually compensates us for the time spent getting the cover in place. If it is clawed back by the insurance company, we reserve the right to charge you directly for this time. **Calculation of Charges** The clawback amount is generally based on the commissions Eliteinsure receives when issuing a policy. This can be estimated at 2x the annual premium for the first 12 months and 1x the annual premium for 12–24 months of the cancellation or reduction. We will invoice you for the lesser of $2,500 or the exact amount that the insurance company has clawed back. This does not include added interest or recovery charges. **Payment Terms** Any invoice issued by Eliteinsure Ltd is payable within 7 days of the invoice date. Delayed payments will incur overdue interest at 10% per annum from the invoice date, plus all recovery charges, legal expenses, any damages, and an amount for our time spent recovering the debt at $200 per hour plus GST where applicable. ### Lending / Home Loan Fees A fee is rarely charged for lending or home loan advice. If a fee needs to be charged, this will be explained and confirmed with you before further advice is provided: - **Financial advice fee:** a fee may apply for additional financial advice required to secure lending: $250 per hour plus GST, for a minimum of two hours. - **Nil commission fee:** where lenders don't pay commission, we charge a fee of between 0.75% and 1.50% of the total loan amount. - **Bridging finance fee:** where advice is provided in relation to bridging finance, we charge a fee of between 0.75% and 1.25% of the total loan amount. - **Lending withdrawal fee:** where substantial work has been undertaken and you withdraw, transfer or cancel your application: we charge $250 per hour plus GST, for a minimum of two hours. --- ## Commissions and Remuneration Typically, we are remunerated by way of commissions received directly from product providers as demonstrated in the remuneration table below: ### Remuneration Table | Product / Service | How We Are Remunerated | Providers | Upfront | Ongoing | Over-ride | |---|---|---|---|---|---| | Risk Insurance | Commission from provider | AIA, Asteron Life, Chubb Life, Fidelity Life, NIB and Partners Life | 20–230% | 3–33% | 0–30% | | Health Insurance | Commission from provider | AIA, NIB, Partners Life and Southern Cross | 30–155% | 5–15% | 0–10% | | KiwiSaver and Wealth Builder | Commission from provider | NZ Funds | $0–$300 | 0.4% | N/A | | KiwiSaver | Commission from provider | Booster | $0–$30 | 0.0–0.5% | N/A | | Investment Fund | Commission from provider | Consilium | N/A | 0.7–1% | N/A | | Mortgages (Residential and Commercial) & Lending | Commission from Home Loan and Lending provider | ANZ Bank New Zealand Limited, ASAP Finance, ASB Bank Limited, Avanti Finance Limited, Cressida Capital, DBR Home Loans, Liberty Financial Limited, Pepper New Zealand Limited, SBS Bank, The Co-operative Bank Limited | 0.45–1% of the total lending amount | 0–0.20% of the total remaining lending (calculated annually but paid monthly) | N/A | - Eliteinsure is paid directly from the provider based on the percentages in the table above (the insurance percentage is based on the annual premium of an issued policy and investment on the funds invested). - Advisers who are contracted by Eliteinsure who give financial advice on our behalf, except those who are employed directly by us, will receive 50% to 100% of the commissions paid to Eliteinsure by the insurers and investment providers. --- ## Conflicts of Interest or Incentives Our advisers are committed to providing unbiased advice. They are not directed to favour any particular provider, nor do they receive performance incentives that could influence their judgment. If you decide to take out insurance or an investment solution, the insurer will pay a commission to Eliteinsure, and your financial adviser will receive their share of that paid commission. The amount of the insurance-related commission is based on the amount of the premium. From time to time, product providers may reward us for the overall business we provide to them. This may include but is not limited to tickets to sports events, hampers, or other incentives. **Despite being paid by the providers, we always prioritize your interests:** - Client-centric advice process - Transparency in commissions - Comprehensive cover comparison if replacing - Written recommendations - Rigorous review process - Adviser training on how to manage conflicts of interest --- ## Our Duties Under the Financial Markets Conduct Act 2013, Eliteinsure Ltd and our advisers have responsibilities to adhere to the Code of Professional Conduct for Financial Advice Services. These include having competence, knowledge and skill; prioritising your interests; exercising care, diligence and skill; and meeting the standards for ethical behaviour and client care. --- ## Complaints Handling and Dispute Resolution If you are not satisfied with our financial advice services, you can raise a complaint through the following channels: - **Email:** admin@eliteinsure.co.nz - **Website:** https://www.eliteinsure.co.nz/complaints/ - **Phone:** 0508 123 467 - **Mail:** Eliteinsure Ltd., 27C Mauranui Avenue, Epsom, Auckland 1051, New Zealand Upon receiving your complaint, we will follow our internal complaints process: 1. **Acknowledgment:** We will acknowledge your complaint within 2 days of receipt. 2. **Resolution:** We aim to resolve your complaint within 10 days. If the issue is complex or there are external factors, we may request further information or agree on an extension. If we cannot reach an agreement on how to resolve the complaint, we will issue a letter of deadlock. You may then contact our independent Dispute Resolution Scheme, **Financial Services Complaints Ltd (FSCL)** at no cost to you. FSCL is an external financial dispute resolution scheme approved by the Minister of Consumer Affairs under the Financial Service Provider (Registration and Dispute Resolution) Act 2008. - **Email:** info@fscl.org.nz - **Phone:** 0800 347 257 FSCL will investigate your complaint and work to facilitate an agreed resolution. If an agreement cannot be reached, FSCL may make a formal decision that is binding on Eliteinsure Ltd, but not on you unless you accept the decision. FSCL will assist you in lodging your complaint. --- ## Ask Us – We Are Here to Help We welcome any questions or queries you may have regarding this important information. Feel free to reach out to us via email at admin@eliteinsure.co.nz or by calling us at 0508 123 467. We will promptly address your concerns, and this service is absolutely free of charge. --- *Note: This page references a downloadable PDF version of the disclosure statement (previously linked as `public-disclosure-pdf.pdf`) and a Social Media Disclosure document available at https://www.eliteinsure.co.nz/wp-content/uploads/2022/05/SOCIAL-MEDIA-DISCLOSURE.pdf* --- ## https://financeadvisers.co.nz/api/provider/FSP706532/disclosure.md > _Markdown transcription of Ksg Limited's Public Disclosure Statement, version 2026-05-24. Source: https://carrot.co.nz/disclosure/._ --- # Important Information ## Licensing Information KSG Limited trading as 'Carrot' is licensed by the Financial Markets Authority to provide financial advice services. Our license number is **FSP706532**. Carrot provides advice to our clients about their KiwiSaver, life insurance and health insurance. We provide financial advice about products from certain providers and have gone through due diligence with research professionals. Our providers are reviewed regularly. **KiwiSaver providers:** Booster & NZ Funds KiwiSaver Scheme **Life and health insurance providers:** AIA & Nib --- ## Fee & Incentives Declaration Carrot does not expect to charge you for the advice we provide. However, if a fee is payable, we'll discuss this with you before we charge it and confirm it in a statement of advice before the work is performed. To keep the engines running whilst making our services free to you, Carrot receives commission from the product providers if you take out insurance following advice from us. The amount of the commission varies between providers and is based on the product sold. It can include an initial commission and a servicing and renewal commission: - **Initial commission:** up to 220% for the first year's premium - **Renewal commission:** between 5% and 20% for each year the policy remains in force We also receive commission from KiwiSaver scheme providers if you choose one based on our recommendations, and an ongoing commission for as long as we help you manage your KiwiSaver scheme. --- ## Conflict of Interest Carrot financial advisers are remunerated with competitive salaries, great client outcomes payment or a combination of both. They will advise you about any commission payment or other fees Carrot will receive before you proceed with any recommendations. Any product recommendations your adviser provides are based solely on your goals and objectives, and within the boundaries of our providers list. 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 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 advisers undergo annual training about how to manage conflicts of interest. Carrot reviews its compliance programme each year to ensure we are aligned with best industry practice. --- ## Our Duties as a Licensed Financial Advice Provider Carrot, 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 isn't 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). --- ## Complaints Process If you have a problem, concern, or complaint about any part of a service we give you, please contact your adviser directly so they can try to fix it. You can also let us know about any complaints. 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 business 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact **Financial Dispute Resolution Service (FDRS)**. However, you must contact FDRS within **2 months** from the date when you receive our final decision. FDRS provides a free, independent dispute resolution service that may help investigate or resolve your complaint, if we haven't been able to resolve your complaint to your satisfaction. **Contact FDRS at:** Financial Disputes Resolution Services Freepost 231075 PO Box 2272 Wellington 6140 Telephone: 0508 337 337 Email: enquiries@fdrs.org.nz --- ## Additional Documents > A copy of our relevant written Disclosure Information is available on request and free of charge. A PDF disclosure document is also linked from the Carrot website footer: > [Website Disclosure – KiwiSaver and Insurance (PDF)](https://carrot.co.nz/wp-content/uploads/2025/09/Website-disclosure-KS-and-Insurance-Carrot-26092025.pdf) --- ## https://financeadvisers.co.nz/api/provider/FSP706811/disclosure.md > _Markdown transcription of The Mortgage Girls Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.themortgagegirls.co.nz/wp-content/uploads/2025/01/Disclosure-Guide-TMG-WEBSITE-VERSION-V8.pdf._ --- # The Mortgage Girls Ltd — Disclosure Guide ## Licensing information The Mortgage Girls Limited (FSP706811), trading as The Mortgage Girls is a Financial Advice Provider (FAP) licensed and regulated by the Financial Markets Authority to provide financial advice. ## Our contact details | | | |---|---| | Phone | 0800 864 864 | | Address | 174 Huxley Street, Sydenham, Christchurch 8023 | | Email | info@themortgagegirls.co.nz | | Website | www.themortgagegirls.co.nz | ## Nature and scope of the advice The Mortgage Girls and its advisers specialise in providing financial advice and transactional solutions in relation to mortgages and loan products. We help you on your home buying journey whether it be now or in the future. We can help with purchasing your first home, building a new home, expanding your investment portfolio and more. Our goal is to help you from start to finish and ongoing with your financial plans. The information below will help you understand what type of advice will be provided. We will only provide you advice about lending and mortgages, but if you need advice in other areas such as insurance or investments, we can point you in the direction of someone else who can help. ## Services we provide We will help you choose a loan that is suitable for your purpose from a panel of lenders (see below). Once we have chosen a lender and loan terms that are suitable for you, we will help you to obtain an approval. ## Banks and lenders, we use - ANZ - ASB - TSB - Mutual Credit Finance - Basecorp Finance - Liberty - Heartland Bank - Funding Partners - Westpac - SBS Bank - Kiwibank - Prospa - Pepper Money - Cressida - ASAP Finance Ltd - AIA - BNZ - The Co-operative Bank - Avanti Finance - Unity - First Mortgage Trust - DBR - Southern Cross - Gold Band Finance ## Products we provide advice for The types of financial advice products we can give advice on are: - Home Loans - Debt consolidation Loans - Investment Loans - Business Loans - Construction Loans - Vehicle and Equipment Loans ## What else we can offer We can help you with other services through our referral partners - Foreign Currency Transfers - Asset Finance - Fire & General Asset Insurances - UK Pension Transfers - Risk, Lifestyle & Income Insurance - KiwiSaver We also have a number of relationships with Building Inspectors, Solicitors, Conveyancers, Accountants, Property Managers, Building Brokers, Building Companies, Buyers Agents, Financial Advisers, Insurance Advisers, Real Estate Agents and other property related services in which we recommend and share in our conversations, follow ups, communications and client guides. For many of our referral partners we do not receive any commission or referral fees, however in some instances we do receive a referral fee. We will provide you with more details about the referral commissions we are eligible to receive when we make the referral. ## Our Duties The Mortgage Girls Ltd and our advisers 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; - exercise care, diligence, and skill; - meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services - meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services. ## Fees and expenses Generally, The Mortgage Girls usually won't charge you any fees for the financial advice your adviser provides you. This is possible because, on settlement of a loan, The Mortgage Girls usually receive commission from the lender. Any exceptions to this general position are explained below. ### The Mortgage Girls will invoice you with a one-off fee if the following occurs: #### (a) When we don't receive commission from the lender: If you request financial advice and no commission is received from the lender, The Mortgage Girls will need to invoice you for a one-off fee for our services. Any such fee would be agreed and authorised by you in writing before your services were completed, and would be based on an estimate of the time your adviser spent providing the advice. (This may arise in the rare event that you request that The Mortgage Girls provide services in relation to either a product that is offered by a lender that we do not hold an accreditation with, or a product that is outside usual arrangements with our product providers). #### (b) Where a lender 'claws back' commission it has paid to us if you refinance or pay back your loan early. Lenders apply a remuneration clawback from the adviser when a loan is not retained for a minimum period generally within 27 months. The timeframe can vary, as it is lender specific, timeframes specific to your lender will be outlined prior to submitting an application to the chosen lender. Claw backs most often apply where the loan was disclosed by the client for long term residential or investment purposes but where the borrower chose to sell the property or refinance inside the first 27 months. Where a claw back or partial claw back applies, the client will be charged directly for any shortfall in remuneration. The fee would be calculated on a rate of $250 per hour up to a maximum of $3,000 as a recovery cost for the Adviser's time spent providing Services to you in connection with the applicable mortgage. This fee has been calculated on an average of 12 hours of advice, negotiation and administration to complete/submit your loan application to the provider at an hourly rate of $250. #### (c) In some cases, where we put in a lot of work to a loan application and then you withdraw it. Where in good faith substantial work has been applied towards any loan application and the application has been withdrawn by the client, at the discretion of the adviser, a minimum fee of $500 will be charged. We will provide you with more information about any fee that applies to you, once we know more about your needs. ### You will not have to pay a fee if; a. The Mortgage Girls was given the opportunity but was unable to obtain a subsequent finance approval. b. You paid and agreed to an upfront fee when the mortgage was originally drawn and The Mortgage Girls Ltd did not receive any commission. This is the case in most short-term contracts. c. In The Mortgage Girls opinion, the early repayment of the mortgage cancellation was caused by an exceptional change of circumstances for you. ## Conflicts of interest and Commissions ### Commissions and fixed rate roll over fee On settlement of a mortgage, The Mortgage Girls Ltd usually receive commission from the applicable product provider through which we place business. The commission is generally of an upfront nature but may also include a trail commission. The amount we receive is calculated on the amount of lending settled. The Mortgage Girls also receive a fixed rate roll over fee from some product providers if we assist in refixing your loan. We will provide more specific details of these commissions once we have talked to you and understand your needs. ### Bonuses Our advisers receive a salary as an employee of The Mortgage Girls Ltd. All advisers are eligible to receive a bonus/incentive each month if a certain level of overall performance is achieved. Whether a bonus is given, and the amount of any incentive is not impacted by lower or high commissions received by lenders. ### Referral arrangements If we provide you a referral to one of the providers, we have a referral arrangement with and you decide to use their services, The Mortgage Girls Ltd will receive a referral fee from them, generally this is based on a % of the upfront commission. These details can be provided on request and will be provided in your personalise disclosure when applying for lending. ### Commitments to product suppliers We are neither contractually aligned, nor subject to business volume requirements to any one particular provider. The business is a member of the NZ Financial Services Group Limited's (NZFSG) aggregator network. As a member of this network, The Mortgage Girls can help clients get access to solutions to assist them in getting closer to their financial goals. As a member of NZFSG's network, The Mortgage Girls receive the following: - Compliance services - Discounted/free software for our business - Subsidised training for our advisers ### To ensure our advisers prioritise our clients' interests: - We follow an advice process that ensures our recommendations are made appropriately, based on clients' goals and circumstances. - We always recommend the best product for your purpose regardless of the type and amount of commission The Mortgage Girls Ltd will receive. - We ensure the amount of any loan is in accordance with your identified needs. - We have a well detailed client experience process that we regularly update. - We run regular team training session 2-3 times per week to continue to educate ourselves, share experiences, knowledge and support each other to bring the best possible experience for our clients. - We have a strong focus on the number of clients helped with their financial goals rather than the volume of lending settled. - All our advisers undergo annual training about how to manage conflicts of interest. - We maintain registers of conflicts of interests and the gifts (>$500) and incentives we receive. These registers are monitored regularly, and additional training is provided as required. - We undertake an annual independent Compliance Assurance Review by Strategi. - Providing you with tables showing the commission rates and types by provider (including clawback periods) ## Complaints Process If you are not satisfied with our service or financial advice, please tell us as soon as possible. | | | |---|---| | Call | 0800 864 864 | | Email | complaints@themortgagegirls.co.nz | | Write to | 174 Huxley Street, Sydenham, Christchurch 8023 | ### 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 immediately, we will acknowledge your complaint within 2 business days. We may contact you to get further information about your complaint. - We aim to resolve complaints within 14 working days of receiving them. If we need more time to investigate your complaint, we will let you know when you can expect to receive a response to your complaint - 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 cannot agree on how to fix the issue, you can contact our external disputes resolution scheme, Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service. FSCL is our independent external ombudsman and dispute resolution service that has been approved by the Minister of Consumer Affairs under the Financial Service Providers (Registration and Dispute Resolution) Act 2008. FSCL's service is free of charge to you. ### To contact Financial Services Complaints Ltd | | | |---|---| | Call | 0800 347 357 or 04 472 3725 | | Email | info@fscl.org.nz | | Write to | PO Box 5967, Lambton Quay, Wellington 6145 | --- ## https://financeadvisers.co.nz/api/provider/FSP709591/disclosure.md > _Markdown transcription of Peak Financial Services Limited's Public Disclosure Statement, version 2026-05-24. Source: https://peakfinancial.co.nz/terms/._ --- # Financial Advice from Peak Financial Services Limited ### Important information about us before we begin our journey together. --- ## Licensing Information Peak Financial Services Limited, FSP 709591, holds a licence issued by the Financial Markets Authority to provide financial advice. SOS Holdings Group Limited, FSP1003886, is authorised by that licence to provide financial advice. --- ## Nature and Scope of Advice Our financial advisers provide financial advice in relation to KiwiSaver, home mortgages, personal loans, life, disability & health insurance and fire and general insurance. We only provide financial advice about products from certain providers: | Product | Providers | |---|---| | Life Insurances | AIA, Asteron Life, Chubb, Fidelity Life, and Partners Life. | | Health Insurances | Accuro, AIA, Partners Life, NIB and Southern Cross. | | Personal and Home Loans | **Banks:** ANZ, ASB, BNZ, GO Home Loans, Heartland Bank, Kiwibank, SBS Bank, The Cooperative Bank and Westpac. **Specialist Lenders:** Avanti Finance, Better Finance, Bizcap NZ, Core Finance, DBR, First Mortgage Trust, Fintech, General Finance, Gubb and Hardy Ltd, Mt Capital, Oxford Finance, Pepper Money, Property Finance, You Own. | | KiwiSaver | Booster KiwiSaver Scheme, Generate KiwiSaver Scheme, NZ Funds KiwiSaver Scheme. | | Fire and General Insurance | General Insurances will be offered to you under the brand name of Stylecover via an agreement with specialist fire and general insurance broker AON New Zealand and insurance provider Vero. Stylecover provides us with access to research and a range of insurance providers and underwriters to obtain an offer of insurance with suitable terms and conditions. Aon New Zealand is a leading provider of insurance and risk services. It is part of the Aon Group, which is a global leader in the design and provision of insurance, reinsurance, risk and employee benefit services. Aon is not an insurer. Aon acts as an insurance broker in relation to products that are provided by only a selection of insurers. Aon may also approach other insurers if required. We may also use: • Star Insurance, a specialist motor vehicle insurer underwritten by Berkshire Hathaway Specialist Insurance Company. • Autosure, underwritten by Vero. | | Travel Insurance | We are able to refer you to Allianz for your travel insurance; however we do not provide advice on this product. | --- ## Our Duties Peak Financial Services Limited 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 isn't 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 https://www.fma.govt.nz. The Code of Conduct standards can be read here: https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf --- ## Fees & Expenses In most cases, Peak does not charge any fee, expense or other amount for the financial advice provided to you or for implementing that advice. The product providers pay our remuneration by way of commission. ### Early Cancellation Fee Peak or the product provider may charge a fee for the financial advice provided to a client where a client cancels a life or health insurance policy within 24 months of inception or repays their home loan within 28 months of settlement. You will not have to pay a fee if: – in Peak Financial Services' opinion, the insurance cancellation was caused by an exceptional change of circumstances for you. We recommend you discuss early cancellations with us first to try to avoid these fees. ### Specialist Finance If we need to organise finance for you from a lender who does not pay an upfront commission this will be discussed with you and your acceptance given prior to any application being submitted. Depending on the complexity of the borrowing, this fee will start from 1% of the loan amount. We agree any fee with you before we apply for the loan. ### Fee Terms Whether a fee will be charged and how it will be charged will be advised when the advice is provided to the client. This fee will be payable by the client within 7 days of the issuance of an invoice. --- ## How We Are Remunerated Peak Financial Services and our financial advisers receive commissions from the providers on whose products we give financial advice (insurers, banks and KiwiSaver providers). If you decide to take out insurance or a mortgage or to take our KiwiSaver advice, the provider will pay a commission to Peak Financial Services and to your financial adviser. The amount of commission is based on the amount of the premium or mortgage or the KiwiSaver balance. - **Life and health insurance:** insurers pay us between 140% and 220% of the annual company premium. They also pay us between 5% and 10% each year as a servicing fee and for that we assist in reviewing your policy and assisting at claim time. - **Fire and general insurance:** insurers pay us 15% of the company premium (not including EQC and Fire Service Levies) each time you make a payment. - **KiwiSaver:** providers pay us between $25 and $300 initial commission and a servicing commission of between 0.15% and 0.25% of the fund balance. This is also disclosed by your KiwiSaver provider in their documents. --- ## How We Manage Any Conflicts of Interest or Other Incentives To ensure that our financial advisers prioritise the client's interest above their own, we follow an advice process that ensures our recommendations are made on the basis of the client's goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We also undertake a compliance audit, and a periodic review of our compliance programme by a reputable compliance consultancy firm. --- ## Record Keeping Peak Financial Services will hold client information for seven (7) years from the date that work has been completed or the date our engagement has ended. Thereafter, we will securely destroy the client information that we hold. Information held by Peak will be made available for compliance purposes when requested by the FMA or another authorised compliance person(s). --- ## Privacy Peak Financial Services collects, holds and uses client information in accordance with the Privacy Act 2020. All client information will be collected via the Peak adviser. Peak will only collect information relevant to our business relationship with the client. We will limit the use of client information to: - The carrying out of our business which includes obtaining loan approvals from banks and non-bank lending institutions and obtaining offers of insurance from life and general insurers. - Fulfilling our legal requirements (e.g. disclosure to law enforcement agencies or the courts) or our audit and compliance requirements. Peak Financial Services will not share, sell or trade any client information to any other company or person. Peak Financial Services will make all reasonable endeavours to ensure that client information is kept secure and confidential. You can request that Peak change or correct information held by us by telephoning 021 949 772 or sending an email to gary@peakfinancial.co.nz. --- ## Internal Complaints Process If you have a problem, concern, or complaint about any part of the financial advice you have received from us, you may contact us using any of the following means: in writing, by telephone or by email. | | | |---|---| | Company Name | Peak Financial Services Limited | | Attention | The Complaints Officer | | Telephone | 021 949 772 | | Email address | complaints@peakfinancial.co.nz | | Website | https://peakfinancial.co.nz/contact/ | ### Our Complaint Handling Process 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 15 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact Financial Services Complaints Limited. --- ## Dispute Resolution Process If our internal complaints process does not resolve your complaint to your satisfaction, you can contact our independent dispute resolution scheme. This service is free to you and may help investigate or resolve the complaint. We are a member of the Financial Dispute Resolution Service (FDRS) approved dispute resolution scheme. You can contact FDRS at: | | | |---|---| | Company Name | Financial Dispute Resolution Service (FDRS) | | Address | Level 8, 95 Customhouse Quay, Wellington 6011 | | Online form | https://fdrs.org.nz/complaints/make-a-complaint | | Website | https://fdrs.org.nz | --- ## Contact Details Peak Financial Services (FSP 709591), trading as Peak Financial Services, is the Licensed Financial Advice Provider. You can contact us at: - **Phone:** +64 (0)21 949772 - **Email:** gary@peakfinancial.co.nz - **Address:** 81 Matua Rd, Tauranga This information is available in writing upon request. --- *Version 4.0 — Last updated December 2025* --- > **Note:** A downloadable PDF version of this disclosure statement is available at: https://peakfinancial.co.nz/wp-content/uploads/2025/12/Peak-Public-Disclosure-19Dec2025.pdf --- ## https://financeadvisers.co.nz/api/provider/FSP709791/disclosure.md > _Markdown transcription of Thrive Financial Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.thrive.kiwi/things-you-need-to-know._ --- # Things You Need to Know — Thrive Financial --- ## Nature And Scope Of The Financial Advice Given Thrive Financial Limited provides advice to our clients and prospects, about their life and health insurance needs. This also includes Personal, Business, Group and Rural Insurance recommendations. Our Financial Advisers provide financial advice in relation to life and Health Insurance. We only provide financial advice about products from certain providers. **Life Insurance companies we work with:** - AIA New Zealand Limited - Asteron Life Limited - Chubb Life Insurance NZ Limited - Fidelity Life Assurance Company Limited - Partners Life Limited **Health Insurance companies we work with:** - AIA New Zealand Limited - Health Service Welfare Society Ltd (t/a Accuro Health Insurance) - NIB NZ Ltd - Partners Life Limited In providing you with financial advice, we will only consider existing term life, trauma, income protection and health insurance policies (if any). We will not provide advice on any Investment policy's, KiwiSaver, existing whole of life or endowment products, so you will need to consult a specialist if you would like advice on those products, or we are happy to refer you. --- ## Conflicts of Interest and Incentives for Life Insurance and Health Insurance Thrive Financial Limited receives commissions from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to Thrive Financial Limited. The amount of commission is based on the amount of premium. The commissions are between **180% and 250%** of the first year premiums of your policy – the amount depends on which insurance company and which insurance policy you choose. Thrive Financial Limited also receives a **renewal commission of between 5% and 10%** of the premium for each year the policy remains in force. 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 (items do not exceed $500 in value and if they do we do not accept them). 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 individual needs and circumstances. Commission received doesn't dictate / influence placement of business. --- ## Our Duties Thrive Financial Limited, 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 isn't 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](http://www.fma.govt.nz). --- ## Your Privacy When working with you we will be collecting personal information from you in order to deliver personalised advice which is suitable for you. This is generally personal information regarding age, health, financial situation and your instructions. In accordance with the Privacy Act 2020 you are entitled to access any such information we collect and hold on you, and also to have noted any corrections to such information. Should you require a copy of any information we hold we shall be happy to provide a full copy at our cost, but will always retain original records for legal and compliance requirements. Any hard copy records are stored securely onsite and electronic copies are stored on cloud based computer system. All staff employed by Thrive Financial Limited have access to client files as required, and in addition to Thrive Financial Limited, other parties may access this information as required by law or for the purposes of providing specific advice to you in accordance with your instructions or our agreed Scope of Service. Those parties may include: - Insurers and other product providers whom we are considering for your needs. - Market regulators and statutory authorities. - Professional compliance and audit assessors investigating our compliance and professional standards. If you have a complaint about how we handle your personal information, you can contact the **Office of the Privacy Commissioner**: > PO Box 10094, The Terrace, Wellington 6143 > Phone: 0800 803 909 > Email: Enquiries@privacy.org.nz This option is available in addition to utilising the Complaints Process of Cura Advisers Limited. --- ## License Information Thrive Financial Limited (**FSP709791**) holds a licence issued by the Financial Markets Authority to provide financial advice. Our Financial Advisers either currently hold or are all in the process of obtaining their New Zealand Certificate in Financial Services Level 5 (version 2) as a minimum requirement. --- ## Complaints Disclosure If you are not satisfied with our financial advice service, you can make a complaint by: - **Email:** admin@thrive.kiwi - **Phone:** 0800 234 555 - **Post:** Thrive, 8 Manchester Square, Feilding, 4702 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 as to whether we can resolve your complaint and how we propose to do so. If we can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact **Financial Services Complaints Limited (FSCL)**: - **Email:** complaints@fscl.org.nz - **Phone:** 0800 347 257 - **Post:** PO Box 5967, Wellington, 6140 - **Website:** [www.fscl.org.nz](http://www.fscl.org.nz) This is a free service. --- *Source: [https://www.thrive.kiwi/things-you-need-to-know](https://www.thrive.kiwi/things-you-need-to-know)* --- ## https://financeadvisers.co.nz/api/provider/FSP711532/disclosure.md > _Markdown transcription of Jj & J Financial Services Limited's Public Disclosure Statement, version 2026-05-24. Source: https://assuredlife.co.nz/disclosure._ --- # Assured Life — Public Disclosure Statement **JJ&J Financial Services Limited (FSP711532) trading as Assured Life** --- ## Licensing Status and Conditions JJ&J Financial Services Limited (FSP711532) trading as Assured Life holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice. --- ## Nature and Scope of the Advice Assured Life provides advice to our clients about their life and health insurance and mortgages. We provide financial advice about products from a large range of providers. **Life Insurance** — we work with: - AIA New Zealand - Cigna - Fidelity Life - Partners Life and all the available products within their companies. **Health Insurance** — we work with: - Nib - Southern Cross **Mortgages** — we work with: - ANZ | BNZ | Co-Operative Bank | SBS | TSB | Resimac | Bluestone | NZCU | Avanti Finance | Bank of China | Basecorp | HSBC | Southern Cross We do not provide advice on fire and general insurance products. In providing you with financial advice we can provide you with advice about both personal and business life risks. This includes an analysis of your current lifestyle and/or business situation with a written report detailing the proposed insurance products required to protect your family and future. Any financial advice provided on our behalf will take account only of the information you have given us about your particular needs, financial situation or goals. --- ## Fees or Expenses Assured Life does not charge any fees, expenses or any other amount for any financial advice provided to our clients. If the financial adviser recommends any insurance policies for you, you will be informed of the costs of the policies. --- ## Conflicts of Interest and Other Commission or Other Incentives Assured Life and the financial adviser receive commission from the providers on whose products we give financial advice. If you decide to take out insurance, the provider will pay a commission to Assured Life and your financial adviser. The amount of commission is based on the amount of premium. 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 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 the client's goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme annually by a reputable compliance consultancy firm. --- ## Internal Complaints Process If you have a problem, concern, or complaint about any part of the financial advice you have received from us, you may contact us using any of the following means: - **In writing to:** Complaints Officer, Assured Life, 240 Dixon Road, Hamilton, or Complaints Officer, Assured Life, PO Box 85, Hamilton 3240 - **By telephone:** 021 180 6007 or 07 390 0007 - **By email:** joby@assuredlife.co.nz 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact Financial Services Complaints Limited (FSCL). --- ## Dispute Resolution Process If our internal complaints process does not resolve your complaint to your satisfaction, you can contact our external independent dispute resolution scheme. This service is **free** and may help investigate or resolve the complaint. We are a member of the **Financial Services Complaints Limited (FSCL)** approved dispute resolution scheme. **Financial Services Complaints Limited** Level 4, Sybase House 101 Lambton Quay, Wellington 6011 - **Telephone (NZ):** 0800 347 257 (freephone) - **Telephone (International):** +64 4 472 3725 - **Postal:** PO Box 5967, Wellington 6140 - **Email:** complaints@fscl.org.nz - **Website:** http://www.fscl.org.nz/ --- ## Our Duties Assured Life 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 isn't 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). --- ## Contact Details **Assured Life** Postal address: 240 Dixon Road, Fitzroy, Hamilton 3206 Email: joby@assuredlife.co.nz Phone: 021 180 6007 / 07 390 0007 Website: [www.assuredlife.co.nz](http://www.assuredlife.co.nz) --- ## https://financeadvisers.co.nz/api/provider/FSP712291/disclosure.md > _Markdown transcription of Cura Advisers Limited's Public Disclosure Statement, version 2026-05-24. Source: https://curaadvisers.co.nz/about-us.html._ --- # About Cura Advisers Limited ## About Us Cura Advisers Limited is a locally owned company (formerly Milestone Financial Services) that provides advice to Kiwis on their personal insurance, investment and KiwiSaver needs. The name Cura comes from the Italian word meaning Care. Our byline "Caring for you and your future" is what we do best. We are passionate about ensuring New Zealanders are protected should the unforeseen occur such as death, illness, or injury, and meeting their financial goals at retirement. --- ## Our Values As a team our core values are: **connection, understanding, relationships & authenticity.** - **Connection** – with the community, our insurance providers, and our networking partners – is at the heart of what we do. By staying engaged in our community, we're able to strengthen relationships while supporting our clients. - **Understanding** – our clients needs, the products we advise on, our priority of putting clients first and our compliance requirements – we are continually learning and growing. - **Relationships** – are at the core of our business – positive, honest and long-lasting connections with clients, colleagues, family and friends. The support and loyalty we gain from these relationships guide every decision we make. - **Authenticity** – it means staying true to who we are and following through on our commitments. There's a saying that gets used in our office daily: "I am genuine and I stand by my word." --- ## What We Do - Care about protecting our clients and loved ones. - Care about doing the right thing and being authentic. - Care about each other and our clients. - Care about everything we do and why we do it. --- ## Our Team ### Sarah Hunger — Financial Adviser & Managing Director Sarah started in the financial services industry in 2003 and became director and shareholder of Milestone Financial Services (Central) Ltd in 2014. In April 2020 Cura Advisers Ltd began with Sarah at the helm. Sarah has over 18 years' experience as an Insurance Adviser and has won a number of awards for her contribution to the industry. She prides herself on putting her clients first and only providing solutions that she would do for herself in the same situation. Sarah has a passion for ensuring her clients are protected should the unforeseen occur and knows that a claim being paid is what counts most. **Contact:** 06 349 0089 | 0274 166 494 | sarah@curainsurance.co.nz [View Sarah's Disclosure Statement](cura-disclosure.html) --- ### Wayne Graham — Financial Adviser Wayne joined Cura Advisers in 2024 following a highly successful 13-year career with G.J. Gardner Homes, where he facilitated the sale of over 200 new-build homes. With more than 25 years of experience in sales and client relationship management, Wayne brings a wealth of knowledge, professionalism, and integrity to the team. Wayne holds the New Zealand Certificate in Financial Services (Level 5) and is a qualified Financial Adviser. He specialises in providing tailored KiwiSaver and investment advice to his clients, with a strong focus on building trust-based long-term relationships. His empathetic, consultative approach helps clients gain clarity and confidence in their financial decisions, empowering them to achieve their personal and financial goals. **Contact:** 06 349 0089 | 0272 318 133 | wayne@curaadvisers.co.nz [View Wayne's Disclosure Statement](cura-disclosure.html) --- ### Keadie Bradshaw — Personal Assistant Keadie joined the Cura Advisers Limited team in August 2023, bringing over 25 years of experience in administration, customer service, sales, and marketing. She supports Sarah with the day-to-day operations of the business, ensuring clients receive the highest level of service. With a diverse background in real estate, telecommunications, and managed funds, Keadie possesses a strong understanding of compliance processes and a sharp attention to detail. **Contact:** keadie@curainsurance.co.nz --- ### Rebecca Matthews — Office Administrator Rebecca joined Cura Advisers in 2024, bringing over five years of diverse experience as an administrator and receptionist across multiple industries. She is passionate about ensuring that all client interactions are positive and that their administrative needs are addressed efficiently and effectively. **Contact:** info@curainsurance.co.nz --- ## Contact & Address - **Phone:** (06) 349 0089 - **Address:** Suite 6, Wicksteed Terrace, PO Box 4077, Whanganui --- ## Memberships - Business Whanganui Chamber of Commerce - BNI Whanganui - CLU/CM - Trusted Adviser - mySolutions (Adviser Group of Choice) --- ## Disclosure Statements Disclosure statements for Sarah Hunger and Wayne Graham are available at: [cura-disclosure.html](cura-disclosure.html) --- *Note: The full FAP Public Disclosure Statement is contained in the linked sub-document [cura-disclosure.html](cura-disclosure.html). The above page does not itself reproduce the disclosure content (fees, commissions, conflicts of interest, complaints process, dispute resolution scheme, PI insurance details, product/provider panel, or ownership structure). Those details should be sourced directly from that linked document.* --- ## https://financeadvisers.co.nz/api/provider/FSP714472/disclosure.md > _Markdown transcription of Fortitude Financial Limited's Public Disclosure Statement, version 2026-05-24. Source: https://fortitudefinancial.co.nz/public-disclosure._ --- # Public Disclosure — Fortitude Financial ## Licensing Information Fortitude Financial Ltd (FSP714472) holds a licence issued by the Financial Markets Authority to provide financial advice services. --- ## Nature & Scope of Advice Fortitude Financial provides financial and investment planning advice to clients. Our advisers will look to consider a client's total financial position, as we build a tailored investment strategy. Please refer to the ['How We Help'](https://fortitudefinancial.co.nz/how-we-help) section of our website for more details of the services we provide and the types of investment products we will access. --- ## Fees Every client relationship starts with a no obligation consultation. Beyond that, we may charge a planning fee for our time to develop a tailored personal financial plan. We will precisely outline that cost (if any) prior to any work starting. The actual fees charged will depend on the nature and scope of the advice and service that we provide. We will discuss and agree the actual fees with you before we proceed and we will explain how and when they are payable. Broadly, our initial planning fees (if any) are based on an hourly charge. Implementation fees (if any) are charged as a percentage value of the investment contribution, while monitoring & administration fees are based on a percentage charge of that capital under management, and reduce on scale. Many of these charges may be tax deductible. Your adviser will guide you on this question. Ultimately, we will monitor and report on your investment portfolio via a "Portfolio Service Platform". This structure enables us to hold and report on securities from any major stock exchange. Beyond such platforms, managed investment schemes (like KiwiSaver and/or multi-asset class funds) pay a small part of their management fee to licenced financial advisers — who are then responsible for providing the advice. --- ## Conflicts of Interest and Incentives We follow an advice process that ensures our recommendations are made on the basis of what is best for your stated goals, given your circumstances and the prevailing conditions of the markets. Our financial advisers are subject to numerous assessments, audits and peer review throughout the year. We do not subject ourselves to incentives or sales targets. External parties may contribute to incidental training costs or provide occasional entertainment, which is immaterial to our recommendations. --- ## Complaints and Dispute Resolution If you have a problem, concern, or complaint about any part of our service, please tell us so that we can try to fix the problem. Alternatively, we have an internal complaints process where you can email [service@fortitudefinancial.co.nz](mailto:service@fortitudefinancial.co.nz). If for some reason we cannot resolve the issue, you can contact **Financial Services Complaints Limited (FSCL)**. This service is at no cost and will help us resolve any disagreements. You can contact FSCL at: - **Postal Address:** PO Box 5967, Wellington 6145 - **Telephone:** (04) 472 3725 or 0800 347 257 - **Email:** complaints@fscl.org.nz --- ## Duties Information Fortitude Financial, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conducts Act 2013 (FMCA) relating to the way we give advice. We are required to: - Give priority to your interests by taking all reasonable steps to ensure our advice is not materially influenced by our own interests - Exercise care, diligence and skill in providing you with advice - Meet standards of competency, 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 to provide you with advice) - Meet standards of ethical behaviour, conduct and client care set by the Code (these are designed to ensure 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: [https://www.fma.govt.nz](https://www.fma.govt.nz) --- *Note: The website references a ['How We Help'](https://fortitudefinancial.co.nz/how-we-help) page containing further details on services and investment product types accessible through Fortitude Financial.* --- ## https://financeadvisers.co.nz/api/provider/FSP715811/disclosure.md > _Markdown transcription of Policywise Limited's Public Disclosure Statement, version 2026-05-23. Source: https://f.hubspotusercontent10.net/hubfs/3390067/Policywise%20Public%20Disclosure.pdf._ --- # PUBLIC DISCLOSURE ## INTRODUCTION Policywise Limited (FSP715811, trading as Policywise) holds a licence issued by the Financial Markets Authority to provide financial advice services. ## REGISTRATION AND CONTACT INFORMATION **FAP Name:** Policywise Limited **FSP #:** 715811 **Trading Name:** Policywise **Phone:** 0800 109 473 **Email:** hello@policywise.co.nz ## NATURE AND SCOPE OF THE ADVICE Policywise provides advice to our clients about their Health Insurance, Life insurance and Disability Insurance. Our financial advisers provide financial advice in relation to Health Insurance, Life insurance and Disability Insurance. We only provide financial advice about products from certain providers, these are as follows: | Provider | Products | |----------|----------| | AIA | Health, Life and all Disability Covers | | Partners Life | Health, Life and all Disability Covers | | Asteron Life | Health, Life and all Disability Covers | | Fidelity Life | Health, Life and all Disability Covers | | Cigna Life | Health, Life and all Disability Covers | | Accuro | Health | | Nib | Health, Disability Cover | | Southern Cross | Health, Disability Cover | ## FEES OR EXPENSES For Life, Disability and Health insurance, Policywise and the financial adviser receive a fee which is a financial remuneration based on the percentage of the amount of premium from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a fee to Policywise. In line with the spirit of professional disclosure below are some guidelines of how we are paid. | Type | Range | |------|-------| | Upfront (upon implementation) | 10%-230% first year's premium | | Ongoing | 5-25% subsequent year premium | ## DEALER GROUPS Policywise is part of Plus4 Group, remuneration can flow to Policywise from product providers via the Plus 4 Group, this is based on production of the group as a whole and Policywise. The Business can also receive other professional services or benefits (related to being a Financial Advice Provider) from the Plus4 group which help with their operation, training and compliance. ## CONFLICTS OF INTEREST To ensure that our financial advisers prioritise the client's interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the client's goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme annually by a professional compliance adviser. ## DUTIES INFORMATION Policywise 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 isn't 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. ## COMPLAINTS PROCESS For information on our complaints process and dispute resolution scheme, see Complaint Disclosure. --- ## https://financeadvisers.co.nz/api/provider/FSP716311/disclosure.md > _Markdown transcription of Dm Consult (nz) Limited's Public Disclosure Statement, version 2026-05-18. Source: http://www.dmconsult.co.nz/assets/DMConsult-Disclosure-Statement-April-2026.pdf._ --- # Disclosure Statement ## Licensing information dm consult (nz) limited (FSP716311), trading as dm consult mortgages + insurance) holds a license issued by the Financial Markets Authority (FMA) to provide financial advice services. The full license was granted 10th August 2021 as a full license Class 2 Financial Advice Provider by the FMA. ## Contact Information dm consult (nz) limited (FSP716311), trading as dm consult mortgages + insurance) is the Financial Advice Provider. You can contact us at P 06 877 0271 / 0800 030 149 E admin@dmconsult.co.nz A 1st Floor, 1 Napier Road Havelock North ## Nature and Scope of Advice service - We provide advice for Consumer Credit Contracts, specifically for the following: residential home loans, rental investment finance, top up finance, personal loans, and business loans. - We refer clients to our business partner BCIA Ltd for risk insurance advice. Brad Collett of BCIA Ltd is an expert in risk insurance and provides a high level of service and excellent service to our mutual clients. - We refer clients to our business partners Tower Insurance and Initio for Fire & General insurance advice. We use tools including AI to help document meetings and improve service delivery. ## Financial Institutions we use ANZ, ASB, Avanti, BNZ, Co-operative, Cressida, DBR, First Mortgage Trust, General Finance, Heretaunga Building Society (HBS), Kiwibank, Liberty, Midlands Mortgage Trust, NZCU Baywide, Pepper Money, Prospa, Resimac, SBS Bank, Select, Sovereign Home Loans, TSB Bank, Westpac, Basecorp Finance, Heartland (reverse mortgages) Southern Cross Partners, Xceda, Spotcap and Flexigroup. ## Fees and expenses/commissions and other incentives - dm consult (nz) limited is remunerated by way of commissions from financial institutions for the business we place with them. We may charge the client an hourly fee for our services at the time that the client decides not to proceed with a pre-approval, or allows a pre-approval to lapse with no intention of renewing. This may be charged up to a rate of $250 per hour, capped at $3000 being 12 hours, which may be invoiced to the client, payable within 20 days from date of invoice. We may also charge a feedback fee of $250 if the sole purpose of the engagement was to determine the borrowing capacity based on the client's financial position. - This will be discussed with you and agreed upon before we agree to any contract of services. A copy of the expected fees and charges will be provided to you in full when we determine the Nature and Scope of the engagement. - If we successfully implement finance for you, the financial institution will pay us a commission based on the total value of the loan. The commission ranges from 0.45%-0.85% of the total loan value. - We may charge a clawback* fee if the loan we organize for you is repaid within 27 months after settlement of your loan. The Financial Institution will clawback any commission they had paid dm consult (nz) limited for organizing the finance for the client. dm consult (nz) limited may only invoice the client for the amount clawed back. There will be no additional charges. The company reserves the right to waive this fee at their discretion if the client continues to use the company's services to organize replacement finance. - dm consult (nz) limited will receive upfront commission and trail commission from Tower and Initio if they organize fire and general insurance for any of our clients referred to them. - dm consult (nz) limited will receive 30% up front commission and 50% renewal income from BCIA Ltd for risk insurance they have organized for any of our clients referred to them. - There are no incentive programmes offered by the main banks to the adviser industry. - Non-bank lenders may offer small incentive programs from time to time which we will disclose to our clients if or when applicable to the transaction. - From time-to-time Tower Insurance may run a promotion with an incentive being offered. We will disclose to our clients if or when an incentive program is being offered by Tower Insurance. *A clawback is where a payment received from product providers or financial institutions for business placed may be reversed due to the finance being repaid within a 27-month period. This is currently capped at $3000.00. ## Conflict of interest - Our contracted advisers may hold an interest (by way of shares) with financial institutions that they have a contractual relationship with. Should this be of a material nature, it will be further disclosed in the Scope of Service document. Darrin McCormack (FSP 369206) is the Director of the company, and is a joint shareholder with adviser Emma Hall (FSP 582447) To ensure that our financial advisers prioritize the client's interests above their own, we follow an advice process that ensures our recommendations are made based on the client's goals and circumstances. All our financial advisers undergo annual training in how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme bi-annually by a professional compliance adviser. ## Duties Information dm consult (nz) limited, 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 isn't 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 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 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 ## How we collect, use and share your personal information To provide our service, we collect, use and share personal information about you in accordance with our privacy policy. Where reasonably possible this information comes directly from you. By providing that personal information to us (or permitting us to collect it) you consent to us collecting, holding, using and sharing that personal information for the purposes we have disclosed in the privacy policy, such as delivering advice and meeting our legal and regulatory obligations. There may be times when we need to collect personal information about you from other sources. This can include publicly available information and information provided by third parties that is relevant to the services we are providing. You may ask to access or correct your information at any time. ## Complaints handling Process and Dispute Resolution Service ### What should you do if something goes wrong? You may contact the internal complaints scheme by contacting dm consult mortgages + insurance NZ Ltd using the following methods: T: (06) 877 02710/ 0800 030 149 E: admin@dmconsult.co.nz Mail: dm consult mortgages + insurance, PO Box 450, Hastings. A copy of our Internal complaints process is available on request. If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact Financial Services Complaints Ltd (FSCL) - a Financial Ombudsman Service. This service will cost you nothing and will help us resolve any disagreements. ### You can contact FSCL at: Address: PO Box 5967, Lambton Quay, Wellington 6145 Telephone number: Call Free 0800 347 257 04 472 FSCL (04 472 3725) Email address: info@fscl.org.nz Our FAP number: 716311 ## Availability of Information: If you would like a printed copy of this information, we will provide this free of charge upon request. --- ## https://financeadvisers.co.nz/api/provider/FSP719091/disclosure.md > _Markdown transcription of Star Mortgage Limited's Public Disclosure Statement, version 2026-05-24. Source: https://starmortgage.co.nz/consents-disclosures/._ --- # Consents & Disclosures — Star Mortgage Limited **Company Disclosure Statement** Version 1.4 --- ## Financial Advice Provider **Star Mortgage Limited** is a Licensed Financial Advice Provider issued by the FMA to provide financial advice services. Financial Services Provider (FSP719091). **Office Contact Details** Unit A2/17 Corinthian Drive, Albany, Auckland 0632 Phone: +64 9 4800 488 Email: info@smi.co.nz Website: www.smi.co.nz --- ## Nature and Scope of Financial Advice Service We provide, through our Financial Advisers, financial advice to our clients about: | | | |---|---| | Residential Home Loans | Development Loans | | Commercial Loans | Asset Finance | | Construction Loans | Business Loans | Our Financial Advisers only provide financial advice about products from certain product providers, as set out below: ### Product Providers **Tier 1** - ASB - ANZ - Westpac - BNZ - Bank of China - AIA Homeloans - Heartland Bank - KiwiBank - SBS - The Cooperative Bank **2nd Tier** - Resimac - Liberty - Bluestone - Unity Money - Peppermoney - Xceda **3rd Tier** - Basecorp - Southern Cross Partners - Avanti Finance - DBR - DC Capital - Vincent Capital - Cressida Capital - First Mortgage Trust - ASAP Finance - Funding Partners - Pallas Capital - Prospa - Plus Finance - Simplify - Apricity - Challenger NZ - Clevermoney --- ## Fees and Expenses, or Other Amounts Payable Generally, we don't charge you any fees for the advice and transactional solutions that we provide to you. This is possible because we usually receive commission from the applicable product provider as described above. You may be charged a one-off fee in the following situations: **No Commission:** If you request services in relation to a product or service and we do not receive a commission. Any such fee would be agreed and authorised by you in writing before the services were completed and would be based on an estimate of the time spent providing the advice. **Repayment of Commission:** If a product or service provider requires that commission is repaid within 27 months of you taking out the product. The fee charged will not exceed the amount of commission clawed back from the product provider. Whether a fee will be charged, the manner in which it will be charged and the date by which the fee will be payable will be advised when the financial advice service is provided to the client. ### Other Costs Where other costs are incurred in the process of providing our advice and services to you, you will be liable for these costs. These costs may arise from incidentals such as valuation reports, legal fees, or early repayment fees. However, we will agree all additional costs with you prior to incurring them. --- ## Conflicts of Interest and Commissions or Other Incentives We are here for our clients and to advise you as best we can. Your interests are our priority although we do have business relationships with product providers also. From time to time our product providers assist us with funding so we can bring our advisers together for conferences and professional development training. We will receive commission from the lenders who provide residential and other loan products. If you decide to take out a residential or other loan, then the lender will pay commission based on the amount of loan settled with that lender or lenders. The commission is generally paid after your settlement but may also include a renewal or trail commission. We manage these conflicts of interest by ensuring that we prioritise your interests above our own. The advice we provide is based on understanding your goals and circumstances and providing recommendations. --- ## Complaints Process If you have a complaint about our services, you need to tell us about it. You can contact our internal complaints service by phoning or emailing the director Paul Yang: - **Phone:** 021 384 873 - **Email:** paul@smi.co.nz (subject heading: *Complaint – [Your Name]*) The internal complaints process is: - We will review the complaint and discuss with you how we will resolve this and obtain any additional information if required. - We aim to resolve our complaints in a timely manner and will indicate to you the time this complaint will take to resolve. - We will communicate with you in the method you prefer — phone, email or written. If we cannot resolve this complaint in a manner which is acceptable, you can contact our free independent dispute resolution service. --- ## Dispute Resolution Process If we cannot agree on a resolution, you can refer your complaint to our external dispute resolution service. This service is independent and will cost you nothing and will assist us to resolve things with you. **Financial Service Complaints Limited (FSCL)** Phone: 0800 347 257 Email: complaints@fscl.org.nz --- ## Our Duties Our financial advisers are bound by the following duties under the Financial Markets Conduct Act 2013 to: - Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice, and ensure we have the expertise necessary to provide you with advice; and - Give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and - Exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. --- ## https://financeadvisers.co.nz/api/provider/FSP720851/disclosure.md > _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 --- ## https://financeadvisers.co.nz/api/provider/FSP721031/disclosure.md > _Markdown transcription of Baileys Insurance Limited's Public Disclosure Statement, version 2026-05-24. Source: https://baileysinsurance.co.nz/important-disclosure-information/._ --- # Important Disclosure Information – Baileys Insurance ## Disclosure Documents The following documents are available for download or review: - [Capability Guide and Disclosure Document](https://baileysinsurance.co.nz/capability-guide-and-disclosure/) - [Privacy Act Statement](https://baileysinsurance.co.nz/wp-content/uploads/2023/02/Privacy-Policy.pdf) - [Disclosure Statement – New Zealand Based Vessels](https://baileysinsurance.co.nz/disclosure-statement-new-zealand-based-vessels/) - [Terms of Business](https://baileysinsurance.co.nz/wp-content/uploads/2023/02/Terms_of_Business-1.pdf) - [Dispute Resolution Process](https://baileysinsurance.co.nz/wp-content/uploads/2023/08/Internal-Disputes-Resolution-Process-BIL.pdf) --- ## Linked Sub-Documents The substantive disclosure content (including FAP details, adviser information, fees, commissions, conflicts of interest, complaints data, professional indemnity insurance, dispute resolution scheme, scope of advice, and product/provider panels) is contained within the linked documents above. The following sub-pages/documents should be consulted for full disclosure particulars: - **Capability Guide and Disclosure Document** – - **Disclosure Statement – New Zealand Based Vessels** – - **Terms of Business** – - **Dispute Resolution Process** – - **Privacy Act Statement** – > **Note:** This page is an index page only. Full disclosure details (fees, commissions, conflicts of interest, professional indemnity cover, dispute resolution scheme, scope of advice, and provider/product panel) are contained within the linked documents above. Those documents have not been reproduced here as they were not included in the source HTML provided. --- ## https://financeadvisers.co.nz/api/provider/FSP722232/disclosure.md > _Markdown transcription of Coversure Financial Services Limited's Public Disclosure Statement, version 2026-05-23. Source: https://coversure.co.nz/wp-content/uploads/2022/10/Disclosure-Statement-PUBLIC-September-2022.pdf._ --- # Financial Advice Provider Public Disclosure Statement | Field | Details | |-------|---------| | **Date** | 22nd March 2022 | | **Financial Advice Provider** | Coversure Financial Services Limited FSP722232 | | **Licencing Status** | Class 2 Licence issued by the Financial Markets Authority on 18th March 2022 | | **Address** | c/o Robbix 33 Coles Crescent Papakura | | **Phone Number** | 0800 12 12 54 | | **Email** | coverm@coversure.co.nz | ## What we do We aim to educate and inform our clients in all aspects relating to Personal and General Risk Insurance, so that they can make an informed decision in planning for their future. ## Areas of Financial Advice Provided Coversure Financial Services Limited only provides financial advice in the following areas: - Life, Trauma, Income and Mortgage Protection Insurance – We use Partners Life, Cigna, Fidelity and AIA - Medical Insurance – we use Accuro, Partners Life, AIA and NIB *Personal risk insurance products include life insurance, trauma, permanent disability, income protection and health insurance.* ## Our Obligations to You 1. We will treat you fairly 2. We will be honest with you 3. We will only provide financial advice that is suitable to you 4. We will at all times protect your privacy and confidential information 5. We will maintain the competence and skill that's required to deliver financial advice 6. We will maintain the ethical and behavioural standards that are required by our professional body (Financial Advice NZ) as well as the duties of care required by New Zealand law ## Disciplinary history you should be aware of There have been no professional indemnity insurance or negligence claims, disputes resolution actions, or disciplinary actions bought against Coversure Financial Services or its advisers ## Conflicts of Interest We have no financial interest in any insurance company or any other general conflicts of interest in forming a professional opinion or delivering financial advice. There are no material conflicts of interest to disclose in the form of incentives, as we do not participate in insurer-funded conferences or entertainment or functions as a rule, or any sales campaigns or similar incentives. We will accept an occasional glass of wine or a cup of coffee from an insurance company representative of course, however these are immaterial and engender no particular feelings towards any particular insurer. ## Costs of Advice ### Fees Coversure Financial Services does not charge you for any fees relating to any financial advice provided. ### Commissions When you choose to implement an insurance product with us, we are paid by commission from the insurer or other relative party. The gross amount of commission payable to Coversure Financial Services Limited on any particular recommendation will be disclosed specifically prior to implementation of any product or plan. Should any actual or potential conflict of interest arise during any engagement with a client we will bring that to your notice promptly, and then seek to manage or avoid the conflict where possible. If management or avoidance of a conflict to your satisfaction is not possible then we will resign from the engagement with you and professionally assist with the appointment of a replacement and more suitable adviser ## Complaints ### What should you do if you are unhappy with something? If you have a problem, concern, or complaint about any part of our service or your product performance, please contact Jason Venu; Director; Coversure Financial Services Limited in the first instance so that we may try to fix the problem. | Contact | Details | |---------|---------| | **Email** | jason@coversure.co.nz | | **Phone** | 021 238 0610 | If your complaint cannot be satisfactorily resolved this way, it then becomes a dispute. ### The Dispute Resolution process is 1. In the event of a dispute you must notify us that the complaint is not resolved and is now a dispute. 2. We will confirm in writing our internal complaints process, likely timeframes, and our Disputes Resolution Scheme which you can access at any stage should you choose to. 3. Should we fail to handle the problem to your satisfaction within a reasonable time frame then the product providers themselves have internal complaints handling processes which you might wish to also access. This means that if we have used a particular product that is connected to the issue at Dispute, you can contact the company that issued that product and have them attempt to resolve the matter as well. 4. If these options fail to resolve the Dispute to your satisfaction, then you may take the matter to the Insurance & Financial Services Ombudsman Scheme Inc, of which we are a member. We are bound by the outcome of that process. You can choose to be bound by the outcome but you can also choose to be free to pursue other legal avenues if you wish. Their service will cost you nothing as we pay for it, and it can help us resolve any disagreements. ### You can contact them at | Field | Details | |-------|---------| | **Address** | Freepost 231075 PO Box 2272, Wellington, 6140 | | **Phone** | 0508 337 227 | | **Email** | enquiries@fdrs.org.nz | --- ## https://financeadvisers.co.nz/api/provider/FSP724111/disclosure.md > _Markdown transcription of Saffron Financial Services Limited's Public Disclosure Statement, version 2026-05-23. Source: https://www.saffronfinance.co.nz/disclosure.pdf._ --- # 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: | Product 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. Early Exit to Another Provider 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. Decisions Based on Approval Letter Without Settlement Through Saffron Finance 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. Early Repayment or Sale Within 36 Months 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 Reimbursement Expenses incurred or payment on behalf of customer related to customer's job needs to reimburse on actual basis. ### 5. Insurance Policy Replacement or Cancellation Within 24 Months 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**. ### Collection of Unpaid Fees 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, by email info@saffronfinance.co.nz, or in 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 FSCL on 0800 347 257, or in 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 --- ## https://financeadvisers.co.nz/api/provider/FSP724353/disclosure.md > _Markdown transcription of Lifedirect 2020 Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.lifedirect.co.nz/our-service/important-information.aspx._ --- # Disclosure Statements ## Insurance Disclosure Statement **It's important that you read the information provided below.** It contains important information about the advice we can offer, what products we have available, our financial advisers, and our duties and obligations. LifeDirect 2020 Limited (FSP724353), trading as LifeDirect is a Financial Advice Provider (FAP) and we hold a license from the Financial Markets Authority (FMA). We are also registered on the Financial Service Providers Register (FSPR). You can always check our status on the register by going to [www.fspr.govt.nz](https://fsp-register.companiesoffice.govt.nz/). --- ### How to contact us? You can always contact us through our contact us page: https://www.lifedirect.co.nz/our-service/contact-us.aspx **Company name:** LifeDirect 2020 Limited **Trading as:** LifeDirect **Mailing address:** PO Box 38078, Wellington Mail Centre, Lower Hutt 5045 **Email address:** [team@lifedirect.co.nz](mailto:team@lifedirect.co.nz) **Phone:** [0800 800 400](tel:0800800400) (Or [+6498887025](tel:+6498887025) if you're overseas) --- ### What do we offer? LifeDirect and our Financial Advisers can provide information and advice to our clients about their: - Life Cover - Trauma Cover - Total Permanent Disablement - Accidental Death - Income Protection - Mortgage Repayment - Health Cover Additionally, we offer referral services for the following products: - House & Contents - Car Cover - Pet Cover - KiwiSaver Scheme We are unable to offer legal or tax advice, and recommend you consult with a solicitor or accountant for this type of advice. --- ### Who do we work with? **For Life, Trauma, TPD, Income Protection, and Mortgage Repayment insurance we work with:** - AIA - Asteron Life - Fidelity Life - Chubb Life - Greenwich Life - Partners Life - nib **For Health insurance we work with:** - Accuro - AIA - nib - Partners Life - Southern Cross **For House & Contents we work with:** - initio **For Car & Pet we work with:** - Cove **For KiwiSaver schemes we work with:** - Kōura --- ### How much does it cost? LifeDirect does not charge any fees for our service. --- ### How do we get paid? **There is no additional cost to you at all for using our service.** #### Insurance If you proceed with a new insurance policy, then we are remunerated by way of commission from the insurer (a percentage of the yearly premium that you pay to your insurance company). The commission we receive is between **30% and 230% of the first year's policy premiums**. This depends on which insurance company and which policy you choose. Depending on the Financial Adviser and/or Consultant, a part of the commission is then on-paid to them for setting up your insurance policy. LifeDirect is also paid an ongoing commission each year from the insurer, for helping you to review your cover, to answer any questions, implement any other changes that you require, or assist with any claims. This is between **3% and 10% of the yearly policy premium**. #### KiwiSaver Scheme If you proceed with KiwiSaver Scheme through LifeDirect, then we are remunerated from the KiwiSaver Scheme provider. Depending on the provider you go with and your account balance, we may receive an upfront commission between **$0 and $300**. LifeDirect is also paid an ongoing commission each year from the KiwiSaver Scheme provider, for ongoing service including reviews, answering questions, and helping to maintain your KiwiSaver scheme account. This is an annual payment of between **0.1% and 0.5% of your account balance** depending on the provider you have chosen. For a full breakdown of the KiwiSaver scheme commissions, please contact us. --- ### How do we manage conflicts of interest? To ensure that our Financial Advisers prioritise our clients' interests above their own, we follow an advice process that ensures our recommendations are made based on each clients' individual goals and circumstances. Our advisers have their New Zealand Certificate in Financial Services Level 5 (version 2). They also undergo regular training, both internally and with our providers. Some of our advisers are paid a commission based on policies commencing. Other advisers are salaried but may receive other payments if they hit internal KPIs including good customer outcomes, service levels, and other non-sales related targets. All payments to advisers are subject to regular checks to ensure the advisers are meeting our internal quality standards. We regularly review our compliance programme and internal processes. --- ### What are our duties? LifeDirect and our Financial Advisers have duties under the Financial Markets Conduct Act 2013 relating to the way we give advice. We are required to: - Give priority to your interests - Exercise care, diligence, and skill - Meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services - Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services --- ### What levels of advice do you offer? #### Direct (no advice) This is the process where we allow you to research, choose your own policy and provider, and apply direct on our website. The products available on site are limited to Life Cover, Trauma Cover, Income Protection, Mortgage Repayment, and Health Cover but we can include other products and options. For a list of some of the other products of optional addons, you can refer to the applicable policy brochure on our compare page or ask us! Our team is available to help with any questions you have, provide information about the products we offer, help get your cover in place, and provide ongoing servicing but through this level, we are unable to provide any personal recommendations. You may choose this option due to the ease and speed of getting cover, but it may not be fully personalised to your exact situation. If you have any concerns around what you need, a more thorough advice level may be better suited. #### Digital advice Our digital advice platform will take you through a number of steps to understand some basic needs and requirements you have for your cover. It will then recommend several different levels of cover and allow you to proceed by choosing who you'd like to get your insurance through and allow you to apply with them online. The digital model we have is limited in scope (which is outlined when you proceed through it) but has been designed and built to provide good levels of cover for most circumstances. #### Limited advice Here is where we will go through an advice process in a limited capacity. We will both agree (and confirm) beforehand on a subset of products and/or providers and LifeDirect will be able to provide advice or recommendations limited to that agreed scope. For example, you may just want advice limited to Health Insurance. In this case, we will agree to restrict to Health Insurance, and we will exclude all other products from this advice process. We will still be able to answer questions around other products or providers outside of the scope, but we will be unable to provide any personal advice around them. Anything outside of the scope will be under a "Direct (no advice)" model. If you do require more personal advice outside of the limited scope, then we'd look to proceed with a Full personal advice offering. #### Full personal advice This level is where one of our financial advisers will go through a full advice process with you to fully understand your requirements and needs from an insurance package. This is the most detailed of the levels and will be the one that takes the longest as it's the most thorough option. The cover we would recommend at this level will be personalised to your situation. --- ### What if I choose a direct (no advice) level? In choosing an insurer or policy you are acting on your own behalf, and if you have any doubts about your decision, let us know and we can provide professional insurance advice. The tools provided to help you choose a level of insurance (for example our online calculator) or compare policies (for example our policy comparison tools) are provided in good faith, however they are of a general nature and might not be relevant to your individual circumstances. If you have any concerns about this, let us know and we can provide you with personalised advice. Accordingly, LifeDirect cannot be held liable for any decisions you make based on information on this site when you don't receive personalised advice. Neither LifeDirect, nor its associated companies, directors, employees, or agents guarantee the performance of any insurer or policy. We do not warrant or endorse any insurer or policy, nor do we promote, or make any representation to any person as to quality or suitability for any purpose of any insurance policy available on this website. No liability is accepted for any loss or damage incurred by any person as a result of using any insurer or insurance policy available on this website. --- ### What if I want personalised advice? If at any point during the process you think you need more personalised options, our team are more than happy to provide that. Just contact us and we can start that process. --- ### What does our license cover? Our license allows us to provide financial advice services through our Financial Advisers, a digital advice platform, or through our direct comparison platform. We take responsibility for any financial advice services provided by our advisers as well as our digital platform relating to the products and services we have available. --- ### What is our complaints process? At LifeDirect we always try to resolve any disputes or complaints ourselves, immediately. You can complain by contacting us or by emailing us at [complaints@lifedirect.co.nz](mailto:complaints@lifedirect.co.nz). Your complaint will be reviewed by our internal complaints team as soon as possible. Your complaint will be logged in our internal Complaints Register straight away and updated through the process. We will consider your complaint and identify how we may be able to solve it. We will respond to you within two working days. We will contact you by phone or email and let you know how we plan to resolve your complaint. If we are not able to resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service on [complaints@fscl.co.nz](mailto:complaints@fscl.co.nz) or [0800 347 257](tel:0800347257). You can also write to them at PO Box 38078, Wellington Mail Centre, Lower Hutt 5045. *FSCL provides a free, independent disputes resolution service that may help investigate or resolve your complaint.* --- ## Mortgages Disclosure Statement **It's important that you read the information provided below.** It contains important information about the advice we can offer, what products we have available, our financial advisers, and our duties and obligations. --- ### Licensing information LifeDirect Mortgages are authorized to provide financial advice under a license issued by the Financial Markets Authority in the name of **NZ Financial Services Group Limited (FSP286965)**. --- ### Scope of this Publicly Available Disclosure This document sets out information about LifeDirect Mortgages as required by the Financial Markets Conduct Regulations 2013. Advisers have their own Disclosure Guides. These are not available on our website but are provided on request and otherwise by the Financial Adviser when they are engaged to provide financial advice by a current or prospective client. --- ### Conflicts of Interest To ensure that our Financial Advisers prioritise our clients' interests above their own, we follow an advice process that ensures our recommendations are made based on each clients' individual goals and circumstances. All Financial Advisers are required to disclose any actual potential conflicts of interest, which a client may expect to materially influence the financial advice a client may receive from a Financial Adviser. --- ### Our Duties LifeDirect Mortgages and its Financial Advisers have duties under the Financial Markets Conduct Act 2013 relating to the way we give advice. We are required to: - Give priority to your interests - Exercise care, diligence and skill - Meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services - Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services --- ### Fees and Commission Financial Advisers usually receive commission payments for the financial advice they provide. That commission payment may include an upfront payment, together with ongoing trail payment. In most cases you will not be charged a fee. If a fee was to be charged this would be discussed with you before advice is provided and will be set out in the Adviser's Disclosure Guide. More information about these commissions, and any other fees are set out in the Adviser's individual disclosure guide. --- ### Complaints and Dispute Resolution If you have a complaint about the financial advice or the service you have received from one of the LifeDirect Mortgage Financial Advisers, you can lodge a complaint with them. Further details of how to lodge a complaint can be found in the Adviser's individual disclosure guide. Please set out the nature of your complaint and the resolution you are seeking. We aim to acknowledge receipt of this within 24 hours. We will then record your complaint in our complaints register and investigate your complaint. We aim to provide a response to you within 7 working days of receiving the complaint, however if we need more time, we will let you know. If we cannot agree on a resolution, you can refer your complaint to our external dispute resolution service. This service is independent and will cost you nothing and will assist us to resolve things with you. Details of this service are: **Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service** **Phone:** [0800 347 257](tel:0800347257) **Email:** [complaints@fscl.org.nz](mailto:complaints@fscl.org.nz) --- *Note: Individual Mortgage Adviser Disclosure Guides are not published on the website but are available on request and are provided by the Financial Adviser at the time of engagement.* --- ## https://financeadvisers.co.nz/api/provider/FSP724451/disclosure.md > _Markdown transcription of The Best Limited's Public Disclosure Statement, version 2026-05-18. Source: https://www.thebest.co.nz/wp-content/uploads/2023/01/Disclosure-Statement.pdf._ --- # DISCLOSURE STATEMENT ## Contents - [LICENSING INFORMATION](#licensing-information) - [CONTACT DETAILS](#contact-details) - [NATURE AND SCOPE OF ADVICE](#nature-and-scope-of-advice) - [FEES AND EXPENSES](#fees-and-expenses) - [CONFLICTS OF INTEREST](#conflicts-of-interest) - [DISPUTES AND COMPLAINTS](#disputes-and-complaints) - [DUTIES INFORMATION](#duties-information) ## Licensing information The Best Limited Trading as Best Mortgages FSP724451 holds a licence issued by the Financial Markets Authority to provide financial advice. ## Contact details **The Best Limited trading as Best Mortgages** is the Financial Advice Provider. You can contact us at: - **Phone:** 021 449 177 - **Email:** eddie@thebest.co.nz - **Address:** 12 Bay Street, Matua, Tauranga ## Nature and scope of advice **Best Mortgages** advisers provide advice about: ### Mortgages and personal lending - Determining how much you can afford to borrow to purchase a property (within lenders affordability guidelines) - Selecting an appropriate lender and mortgage structure - How to structure your repayments to pay off your mortgage sooner - Structuring and refixing your current lending ### Lending products We provide advice in relation to the following lending products: - Mortgages - Personal Loans - Tops ups - Fixed rate rollovers - Debt consolidation - Business loans ### Product providers We provide advice in relation to products provided by the following companies: ASB, ANZ, Westpac, BNZ, China Construction Bank, Bank of China, ICBC, SBS Bank, Heartland Bank, The Cooperative Bank, TSB, Resimac, Peppermoney, Liberty, Avanti Finance, Prospa, DFR Property Financiers, NZCU Baywide, General Finance, Cressida Capital, Apricity Finance, Basecorp Finance, ASAP Finance, NZCU South, Zip Business, Strata Funding, Gold Band Finance, Zagga, Bluestone ## Fees and expenses ### Mortgage and lending planning fee Best Mortgages advisers are usually remunerated by way of commission, by the providers of the loan products we recommend. On occasion, some providers may not pay a commission. In this situation, we will charge a fee for our advice. The fee payable will be a reflection of the time required to obtain a loan approval for you. Where a fee will be payable for the advice, your Best Mortgages adviser will agree the amount of the fee with you *prior to obtaining a lending approval*. This fee can be added to your loan amount and will be paid to Best Mortgages at the time your loan is advanced. ## Conflicts of interest ### For mortgages and lending Best Mortgages and the financial adviser receive commissions from some of the lenders we can provide recommendations for. If you proceed to implement lending with the lender recommended to you, the lender will pay a commission to your financial adviser. The amount of the commission is based on the amount of the lending; specific remuneration will be advised to you when advice is provided. 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 the client's interests above their own, we follow an advice process that ensures our personalised recommendations are made on the basis of the client's goals and circumstances, as advised to us. Best Mortgages financial advisers complete regular training, including how to manage conflicts of interest. Each adviser has a regular compliance review of their advice process and our compliance programme is reviewed annually by our external compliance adviser. ## Disputes and complaints If you are not satisfied with our financial advice service you can make a complaint by emailing info@thebest.co.nz, or by calling 021 449 177. You can also write to us at: 12 Bay Street, Matua, Tauranga. When we receive a complaint, we will consider it using 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 cannot, 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 Service Complaint Ltd (FSCL). 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. You can contact FSCL by phone 0508 347 257 or email complaints@fscl.org.nz. ## Duties information Best Mortgages, and anyone who gives financial advice on our behalf, has 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 (431K) - Exercise care, diligence, and skill in providing you with advice (431L) - 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) (431I) - 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 https://www.fma.govt.nz. --- ## https://financeadvisers.co.nz/api/provider/FSP725312/disclosure.md > _Markdown transcription of Springhall Brokers Limited's Public Disclosure Statement, version 2026-05-18. Source: https://www.canopygroup.co.nz/wp-content/uploads/2026/03/Canopy-Group-Disclosure-Statement-v5-12.03.2026.pdf._ --- # Canopy Group General Disclosure Statement ## Overview Canopy Group Ltd is an Insurance, Mortgages & KiwiSaver Trading Company that provides common infrastructure for its Shareholders / Financial Advisers. All Canopy Advisers hold individual licenses issued by The Financial Markets Authority to provide financial advice on behalf of their own respective Financial Advice Provider (FAP) entity. Canopy Group Limited does NOT hold any license as it is not providing advice to clients. ## Financial Advisers ### Karaka Finance Ltd - **Adviser:** Philippa Farmer - **FSP:** 725322 - **Phone:** 021 432 748 - **Email:** philippaf@canopygroup.co.nz ### Swanney & Associates Ltd - **Adviser:** Neil Swanney - **FSP:** 761971 - **Phone:** 021 974 442 - **Email:** neils@canopygroup.co.nz ### Longford Trading Ltd - **Adviser:** Darren O'Sullivan - **FSP:** 636332 - **Phone:** 022 035 7003 - **Email:** darreno@canopygroup.co.nz - **Adviser:** Rosie O'Sullivan - **FSP:** 487406 - **Phone:** 020 409 85663 - **Email:** rosieo@canopygroup.co.nz ### Springhall Brokers Ltd - **Adviser:** George Springhall - **FSP:** 95824 - **Phone:** 021 365 475 - **Email:** george@canopygroup.co.nz ## Services Provided Canopy advisers provide advice for the following services: ### Life Insurance Products *(Life, Trauma/Critical Illness, Mortgage & Income Protection and Total & Permanent Disability covers)* - AIA - Resolution Life - Asteron Life - PPS - Chubb - Fidelity Life - Partners Life *(We do not provide advice on existing Whole of Life or Endowment products)* ### Medical Insurance - AIA - Unimed - Partners Life - NIB - Southern Cross Medical society ### KiwiSaver - Generate - Milford - Booster - Amova ### Mortgages *(Philippa Farmer only)* #### Bank Lenders - ANZ - ASB - BNZ - Westpac - Co-Op Bank - SBS Bank - Sovereign #### Non-Bank Lenders - ASAP - Avanti Finance - Cressida Capital - DBR Property Finance - First Mortgage Trust - Southern Cross Finance - Bluestone - Liberty Financial - NZCU - Pepper Money - Resimac - Select ## Fees or Expenses Canopy Group Ltd does not charge fees, expenses or any other amount for the financial advice provided to its clients for Insurance, general KiwiSaver advice or standard bank finance. In certain cases, a fee may be charged for non-standard lending services or if a loan is repaid or refinance within the first two years after settlement. ## Conflicts of Interest & Incentives ### Life Insurance and Health Insurance For life insurance and health insurance, the financial adviser receives commissions from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer with who your policy is placed will pay a commission to your financial adviser. The amount of the commission is based on the amount of the premium and is made up of an upfront payment as well as a smaller renewal or trail commission every year to assist with ongoing servicing costs. These rates will differ between providers and will be disclosed to you by the Canopy adviser at the time of application. ### Mortgages For mortgages, Philippa Farmer receives commissions from the banks with whom we arrange mortgages. If you decide to take out the mortgage, the bank will pay a commission to your financial adviser. The amount of the commission is based on the amount of the mortgage. To ensure that our financial advisers prioritise the client's interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the client's goals and circumstances. Philippa undergoes annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme annually by a reputable compliance adviser. ### KiwiSaver For KiwiSaver, the financial adviser receives commissions from the KiwiSaver providers on whose policies we give general advice. If you decide to start a new KiwiSaver investment fund or transferring to another provider, the provider will pay a commission to your financial adviser. The commission payment is made up of a small upfront payment and an ongoing servicing commission payment. These rates will differ between providers and will be disclosed to you by the Canopy adviser at the time of application. ## Complaints Handling & Dispute Resolution If you are not satisfied with our financial advice services, you can make a complaint by emailing info@canopygroup.co.nz, or by calling: 09 580 0181. You can also write to us at: PO Box 132410, Sylvia Park, Auckland 1644. When we receive a complaint, we will consider it in accordance with 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact the Financial Disputes Resolution Service. Financial Disputes Resolution Service provides a free, independent dispute resolution service that may help investigate or resolve your complaint, if we haven't been able to resolve your complaint to your satisfaction. You can contact Financial Disputes Resolution Service by emailing enquiries@fdrs.org.nz or by calling 0508 337 337. You can also write to them at: Freepost 231075, PO Box 2272, Wellington 6140 ## Duties Information Canopy Group Limited, 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 isn't 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) --- ## https://financeadvisers.co.nz/api/provider/FSP726391/disclosure.md > _Markdown transcription of Mortgage Planners Limited's Public Disclosure Statement, version 2026-05-18. Source: http://www.mortgageplanners.co.nz/files/pdfs/disclosure-statement.pdf._ --- # Disclosure guide. Here is some key information you need to know to help you understand what type of advice I am able to give you, so that you can make an informed and confident choice when engaging me. ## Details about me and my Financial Advice Provider I am a Financial Adviser. I give advice on behalf of a Financial Advice Provider. My details are set out below. **Full Name:** Gavin Lendich **Address:** 3 Beaconsfield St Grey Lynn, Auckland 1021, New Zealand **Phone:** 021 611 830 **Email:** gavin@mortgageplanners.co.nz **FSPR Number:** 20923 **Name of Financial Advice Provider:** Mortgage Planners Limited **Trading as:** Mortgage Planners Limited **Address:** 3 Beaconsfield Street, Grey Lynn, Auckland, 1021, New Zealand **Phone:** 09 522 5027 **Email:** gavin@mortgageplanners.co.nz **Website:** http://www.mortgageplanners.co.nz/ My Financial Advice Provider is a member of NZ Financial Services Group Limited ## Licensing Information My Financial Advice Provider is authorised to provide a financial advice service under a current financial advice provider licence issued by the Financial Markets Authority in the name of: NZ Financial Services Group Limited **FSPR Number:** 286965 --- ## Nature and scope of advice The information below will help you understand what type of advice I can provide to you. ### Services I provide I will help you choose and apply for a loan that is suitable for your purpose from a panel of lenders [set out below]. Once we have chosen a lender and loan terms that are suitable for you, I will help you to obtain an approval. ### Banks and lenders I use I source loans from a panel of lenders. The current lenders I can use are: - ANZ - ASB - Cressida Capital - Heartland Bank - RESIMAC - Southern Cross - Zip Business - Westpac - ASAP Finance Limited - DBR - Liberty Financial Limited - SBS Bank - The Co-operative Bank - CFML - BNZ - Avanti Finance - First Mortgage Trust - Unity - Select Home Loan - Basecorp Finance ### Products I can help you with The types of financial advice products I can give advice on are: - Home Loans - Investment Loans - Construction Loans ### What else I can offer I can help you with other services through my referral partners set out below: - Tower - F&G - XF Money - Asset Finance - UK Pension Transfers I am unable to offer legal or tax advice and recommend you consult your solicitor or accountant for this type of advice. --- ## Fees and expenses Generally I won't charge you any fees for the financial advice I provide to you. This is possible because, on settlement of a loan, I usually receive commission from the lender [which is explained in the commission section of this Disclosure Guide]. Any exceptions to this general position are explained below. If these exceptions will apply to you, I will let you know. ### One-off fees I may charge you a one-off fee if the following occurs: When I don't receive commission from the lender: If you request that I provide financial advice and I do not receive a commission from the lender, I may charge you a one-off fee. Any such fee would be agreed and authorised by you in writing before I complete the services, and would be based on an estimate of the time spent providing the advice. This may arise in the rare event that you request that I provide services in relation to either a product that is offered by a lender that I do not hold an accreditation with, or a product that is outside my usual arrangements with my approved lenders. You will be invoiced for any one-off fee and will be given 30 days to make payment. ### Commissions & Incentives On settlement of a loan I usually receive a commission payment from the applicable lender. The commission is generally of an upfront commission payment but I may also receive an ongoing trail commission payment. The upfront commission is calculated as a percentage of the loan at drawdown. A trail commission is calculated as a percentage of the loan outstanding at the relevant time. I may also receive a fixed rate roll over fee from the applicable lender if I assist in refixing your loan. The maximum percentage that each lender uses to calculate upfront and trail commissions, and the maximum fixed rate roll over fees [refix fees], are set out in the table below. If there are any variations to these percentages or other commission payments that may apply, specific to your loan application, I will disclose this to you as part of my advice process. I may also receive a referral fee or commission payment if I refer you to our referral partners listed above. I will give you more information about how that referral fee or commission is calculated, before proceeding. From time to time, I may receive incentives or rewards from lenders. For example, they may provide me with gifts, tickets to events or other incentives. | Lender | Upfront | Trail | Refix | |--------|---------|-------|-------| | ANZ | 0.85% | 0.00% | $150.00 | | Westpac | 0.60% | 0.20% | $0.00 | | BNZ | 0.55% | 0.15% | $0.00 | | ASB | 0.85% | 0.00% | $150.00 | | ASAP Finance Limited | 0.80% | 0.00% | $0.00 | | Avanti Finance | 0.80% | 0.00% | $0.00 | | Cressida Capital | 1.00% | 0.00% | $0.00 | | DBR | 1.00% | 0.00% | $0.00 | | First Mortgage Trust | 1.00% | 0.00% | $0.00 | | Heartland Bank | 0.80% | 0.25% | $0.00 | | Liberty Financial Limited | 0.60% | 0.15% | $0.00 | | Unity | 0.50% | 0.00% | $0.00 | | RESIMAC | 0.60% | 0.15% | $0.00 | | SBS Bank | 0.80% | 0.00% | $150.00 | | Select Home Loan | 0.60% | 0.15% | $0.00 | | Southern Cross | 1.00% | 0.00% | $0.00 | | The Co-operative Bank | 0.70% | 0.00% | $150.00 | | Basecorp Finance | 1.00% | 0.00% | $0.00 | | Zip Business | 1.00% | 0.00% | $0.00 | | CFML | 1.00% | 0.00% | $0.00 | I manage the conflicts of interest arising from these commission payments by: - Following an advice process that ensures I understand your needs and goals so that I always recommend the best product for you regardless of the type and amount of commission I will receive. - Ensuring the amount of any loan is in accordance with your identified needs. - Providing you with the table below showing commission rates and types by lender - Undertaking regular training on how to manage conflicts of interest. --- ## Privacy policy & security I will collect personal information about you in accordance with my Privacy Policy. I regard client confidentiality as of paramount importance. I will not disclose any confidential information obtained from or about you to any other person, except in accordance with my Privacy Policy. The electronic platform I use to store your personal information is secure and run on Amazon Web Services. ## Complaints Process If you have a complaint about my financial advice or the service I gave you, you need to tell me about it. You can contact my internal complaints service by phoning, or emailing me using the heading Complaint - [Your Name]. Please set out the nature of your complaint, and the resolution you are seeking. I aim to acknowledge receipt of this within 24 hours. I will then record your complaint in our Complaints Register and will work with you to resolve your complaint. I may want to meet with you to better understand your issues. I aim to provide an answer to you within 7 working days of receiving your complaint. If we cannot agree on a resolution you can refer your complaint to our external dispute resolution service. This service is nothing and will assist us to resolve things with you. Details of this service are: Financial Services Complaints Limited complaints@fscl.org.nz 0800 347 257 ## My duties I am bound by and support the duties set out in the Financial Markets Conduct Act 2013. These duties are to: - Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code). - Give priority to my client's interests - Exercise care, diligence, and skill. - Meet the standards of ethical behaviour, conduct, and client care set out in the Code. ## Availability of Information This information can be provided in hardcopy upon your request. --- ## https://financeadvisers.co.nz/api/provider/FSP727452/disclosure.md > _Markdown transcription of Affinity Advisors Limited's Public Disclosure Statement, version 2026-05-24. Source: https://affinitymortgage.co.nz/disclosure-statement._ --- # Disclosure Statement — Affinity Advisors --- ## Financial Advice Provider ### Business Details **AFFINITY ADVISORS LIMITED** is a Licensed Financial Advice Provider issued by the FMA to provide financial advice services. **Financial Services Provider Number:** 727452 ### Office Contact Details 205 High Street, Centre City, Dunedin **Phone:** 03-472-8790 **Email:** sandra@affinitymortgage.co.nz **Website:** www.affinitymortgage.co.nz --- ## Nature and Scope of Financial Advice Services ### Our Services - Mortgage advice - Personal Risk insurance - KiwiSaver investment strategies and retirement planning - Investment strategies ### Products We Can Advise On - Loans including mortgages & refinance / debt consolidation lending - Personal Insurance (Life cover, disability, income protection, trauma & health) - KiwiSaver investments - Managed investments ### Product Providers We May Recommend #### Mortgage - ANZ - ASB - BNZ - Westpac - ASAP Finance - Avanti - Bank of China - Basecorp - Co-op Bank - Cressida Capital - DBR - First Mortgage Trust - Funding Partners - Heartland Bank - Liberty - Pepper Money - Plus Finance - Resimac - SBS - Southern Cross Partners - Prospa - CCB - Kiwibank - Bluestone #### Personal Risk - Fidelity Life - Cigna - NIB #### KiwiSaver & Managed Investment - ANZ Investments - Fisher Funds - Generate KiwiSaver - Synergy / Consilium --- ## Our Fees The actual fee charged to you will depend on the nature and scope of the advice or service we provide. We will discuss and agree on the actual fees with you before we proceed and explain how they are payable. The following section outlines the types of fees that may apply. For our services in relation to mortgages, some investment products, and insurance products, commission may be paid by the product providers as follows: - **Initial commission** – a percentage of the value of your investment contributions, loan balance or insurance premiums; and - **Ongoing commission** – a percentage of the value of your investment balance, outstanding loan amount or premiums, usually calculated at the end of each month in which you hold the investment or loan, or on renewal of the insurance products. For initial investment advice and retirement planning services, there will be a one-off plan fee of **$1,000** for the initial fact find services and report planning. Fees will be confirmed in our Statement of Advice. --- ## Conflicts of Interest We are here for our clients and to advise you as best we can. Your interests are our priority although we do have business relationships with product providers also. From time to time our products assist us with funding so we can bring our advisers together for conferences and professional development training. We also receive remuneration from some product providers such as commission. We manage these conflicts of interest by ensuring that we prioritise your interests above our own. The advice we provide is based on understanding your goals and circumstances and providing recommendations which are based on research. We have a Register of Conflict which allows us to actively manage any conflicts which arise. --- ## Internal Complaints Process If you have a problem, concern or complaint about any part of our advice or service, please tell us so that we can try and fix the problem. **Internal Complaints Manager:** Nick Van Der Heyde **Email:** nick@affinitymortgage.co.nz **Phone:** 03-472-8790 Nick will reply to you within 24 hours. --- ## External Complaints Process If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact our external disputes resolution scheme — **Financial Services Complaints Limited (FSCL)**. This service will cost you nothing, and help us resolve any disagreements. **Address:** Level 4, 101 Lambton Quay, Wellington 6011 — PO Box 5967, Wellington **Phone:** 0800 347 257 / +64 4 472 3725 **Email:** complaints@fscl.org.nz / info@fscl.org.nz --- ## Duties Information Affinity Advisors Limited is bound by the duties of the Financial Markets Conduct Act to: - Meet the standards of competence, knowledge and skill set out in the Code of Conduct - Give priority to the client's interest - Exercise care, diligence and skill - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct --- ## https://financeadvisers.co.nz/api/provider/FSP727591/disclosure.md > _Markdown transcription of Marcroft Mortgages Limited's Public Disclosure Statement, version 2026-05-24. Source: https://lmg-broker-nz.s3.ap-southeast-2.amazonaws.com/brokers/loan-market-central/ivaod3th.52l.pdf._ --- # Adviser Business Publicly Available Disclosure **Company Name:** Marcroft Mortgages Limited and Loan Market Central **FSP Number:** FSP727591 **Mobile Number:** 027 687 5784 **Email Address:** cameron.marcroft@loanmarket.co.nz This document sets out the information that the Adviser Business is required to make publicly available in accordance with the Financial Markets Conduct Regulations 2014. ## An overview of the Adviser Business The Adviser Business is a member of The Loan Market Group Limited (Loan Market Group), which is a financial services group trading under the names Loan Market and Insurance Market. Loan Market Group also has a publicly available information disclosure - you can find this information at the link at the very bottom of this website. The Adviser Business: - Is a Financial Advice Provider under the Financial Markets Conduct Act 2013. - Is registered on the Financial Service Providers Register (FSPR). - Engages Financial Advisers to provide financial advice to clients. The FSPR shows the Financial Advisers which have been engaged by the Adviser Business. ## Licensing information The Adviser Business and the Financial Advisers engaged by the Adviser Business are authorised to provide financial advice under a licence issued by the Financial Markets Authority in the name of NZ Financial Services Group Limited (FSP286965) ## Financial Advice and Product Providers The Adviser Business provides, through its Financial Advisers, financial advice to clients about Lending products. The Financial Advisers only provide financial advice about products from certain product providers. These product providers are set out in each Financial Adviser's personalised Disclosure Guide. A Financial Adviser will provide their Disclosure Guide to you when you engage them or you can request a copy from the Adviser Business at any time to see the list of product providers. Specific information on the types of products that each of the Financial Advisers can provide financial advice on is also set out in their Disclosure Guide. ## Fees and Expenses Generally the Adviser Business and its Financial Advisers won't charge you any fees for advice and transactional solutions. This is possible because, if you acquire a product following receipt of their advice, the Adviser Business or the Financial Adviser usually receives commission from the applicable product provider (as described below under 'Commissions & incentives'). The exceptions to this general position are explained below. You may be charged a one-off fee in the following situations: ### (a) No commission If you request that a Financial Adviser provide services in relation to a product or service and the Adviser Business or Financial Adviser does not receive a commission, you may be charged a one-off fee. Any such fee would be agreed and authorised by you in writing first, and would be based on an estimate of the time spent providing the advice. This may arise in the rare event that you request services in relation to either a product that is offered by a provider that the Adviser Business or Financial Adviser do not hold an accreditation with, or a product that is outside its usual arrangements with product providers. ### (b) Repayment of commission In the event that: - In the case of a loan, in the 28 month period following drawdown of the loan, the loan is fully or partially repaid or the terms materially changed; or - In the case of an insurance policy, in the 24 month period following issuance of the insurance policy, the policy is cancelled or the terms materially changed, and the relevant product provider requires that the applicable commission is repaid to them, you may be charged a one-off fee. Any such fee would be no more than $3000 (plus GST, if any) and would be calculated based on a rate of $250 (plus GST, if any) per hour of the Financial Adviser's time spent providing advice to you in connection with the applicable product. The fee charged will not exceed the amount of commission that needs to be repaid from the product provider. You will be invoiced for any one-off fee and will be given 30 days to make payment. The Financial Adviser will let you know about any other fees in their specific Disclosure Guide. ## Conflicts of Interest ### Commissions & incentives If you proceed with a product on the basis of financial advice received from a Financial Adviser, the Adviser Business or the Financial Adviser usually receives a commission or incentive payment from the applicable product provider. The types of payments that may be received from product providers are as follows: - Upfront commission which is calculated as a percentage of the first year's premium (in the case of insurance products) or a percentage of the loan at drawdown (in the case of a loan). - Renewal commission which is calculated as a percentage of the premium paid for each year the policy is in force (in the case of insurance products) or a percentage of the loan outstanding at the relevant time (in the case of a loan). - Fixed rate rollover fees (in the case of refixing a loan). - Referral fees. - Other incentives or rewards, for example gifts or tickets to events. Further information about the commissions and incentives that are relevant to the advice you may receive, including the maximum percentages used to calculate the commissions, will be given to you by the Financial Adviser. The Adviser Business takes steps to ensure that the receipt of these types of payments does not influence the financial advice given and that its Financial Advisers prioritise your interests by recommending the best product for your purpose regardless of the type and amount of payment that may be received. The Adviser Business does this by: - Ensuring the Financial Advisers follow an advice process that ensures they understand your needs and goals and that their recommendations meet those needs and goals. - Ensuring the Financial Advisers receive regular training on how to manage conflicts of interest. - Providing you with a schedule showing maximum commission rates and types by product provider. This schedule is contained within each Financial Adviser's personalised Disclosure Guide. A Financial Adviser will also provide you with more information about commissions during the advice process. Loan Market Group may also receive commission or incentive payments as follows: - A commission payment from the applicable insurer if an insurance application is accepted. - A referral payment from Tower Insurance if a client is referred for insurance needs. - A referral payment from XE Money or Prospa NZ if a client is referred for other financial needs. Terms of these payments are between Loan Market Group and the applicable product provider. These payments do not influence the advice given to you as Loan Market Group does not direct or influence Financial Advisers to recommend products from a particular insurer. Financial Advisers are required to recommend products by following the advice process described above. ### Other Conflicts of Interest The Financial Advisers engaged by the Adviser Business may attend, from time to time, events hosted by product providers or events hosted by Loan Market Group, at which product providers discuss and provide information about their products. The Adviser Business manages the potential conflict of interest raised by attendance at these events by ensuring the Financial Advisers follow the advice process described above to ensure the Financial Adviser prioritises your interests by recommending the best product for your purpose regardless of the information received at events they've recently attended. If there are any other conflicts of interest that could potentially influence the financial advice that you will receive, these will be shown in each Financial Adviser's Disclosure Guide. ## Complaints and Dispute Resolution If you have a complaint about the service you've received from the Adviser Business or its Financial Advisers you can contact the Adviser Business's internal complaints service by phoning or emailing the Adviser Business (contact details are shown above and on this webpage) with the heading Complaint - (Your Name). Please set out the nature of your complaint, and the resolution you are seeking. The Adviser Business will aim to acknowledge receipt of this within 24 hours. The Adviser Business will then record your complaint in its Complaints Register and investigate your complaint. The Adviser Business may want to meet with you to better understand your issues. The Adviser Business will then investigate your complaint and provide a response to you within 7 working days of receiving your complaint. If the Adviser Business needs more time to investigate your complaint, they'll let you know. If a resolution is not agreed, you can refer your complaint to the Adviser Business's external dispute resolution service. This service is independent and will cost you nothing and will assist to resolve things. ### Details of this service are: **Financial Services Complaints Ltd (FSCL) - A Financial Ombudsman Service.** **Phone:** 0800 347 257 **Email:** complaints@fscl.org.nz ## Duties Anyone within the Adviser Business giving financial advice is bound by and supports the duties set out in the Financial Markets Conduct Act 2013. These duties are: - Meet the standards of competence, knowledge, and skill and the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Providers. - Give priority to your interests. - Exercise care, diligence, and skill. --- ## https://financeadvisers.co.nz/api/provider/FSP728312/disclosure.md > _Markdown transcription of L Reardon Limited's Public Disclosure Statement, version 2026-05-24. Source: https://adviser.loanmarket.co.nz/logan-reardon/._ --- # Publicly Available Disclosure Statement **L Reardon Limited trading as Loan Market Midpoint** --- ## Provider Panel / Lenders Access to **over 30 banks and lenders** in one place. --- ## Services - Compare and negotiate competitive interest rates - Access to New Zealand's widest panel of banks and lenders - Assistance tapping into KiwiSaver - Largest group of Mortgage Advisers in New Zealand --- ## Fees Our mortgage advisory service is **free for you** — we are paid by the banks and lenders, not by clients. *(See footnote 1 referenced on the website.)* --- ## Publicly Available Disclosure Document The full Publicly Available Disclosure Statement for **L Reardon Limited trading as Loan Market Midpoint** is available as a separate PDF document. --- ## Contact - **Phone:** 021 777 688 - **Offices:** Auckland (two locations — Midpoint area and 3 Inanga Street, Hobsonville, Auckland 0618) --- > *Note: The page links to a sub-document (PDF) for the full Publicly Available Disclosure Statement:* > [`https://lmg-broker-nz.s3.ap-southeast-2.amazonaws.com/brokers/logan-reardon/an1zsg2s.bkz.pdf`](https://lmg-broker-nz.s3.ap-southeast-2.amazonaws.com/brokers/logan-reardon/an1zsg2s.bkz.pdf) > > Full details including conflict-of-interest disclosures, commission disclosures, complaints data, professional indemnity insurance, dispute resolution scheme, scope of advice, ownership disclosure, and material business relationships are contained in that linked disclosure document. Content has not been invented here. --- ## https://financeadvisers.co.nz/api/provider/FSP728773/disclosure.md > _Markdown transcription of Winstone Partners Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.centastone.co.nz/disclosure-statement._ --- The HTML page provided contains only an SEO placeholder div with minimal content — the actual disclosure statement body has not been rendered in this source (it is likely loaded client-side via JavaScript). Only the following disclosure-relevant content is available: --- # Disclosure Statement **Centastone Financial Services** *This disclosure statement is required under the Financial Markets Conduct Act 2013 and provides important information about Centastone Financial Services and our financial advisers.* --- > **Note:** The full disclosure statement content was not available in the page source provided. The page appears to be a JavaScript-rendered (React) single-page application. The substantive disclosure content — including fees, commissions, conflicts of interest, complaints data, dispute resolution scheme, scope of advice, provider lists, ownership, and professional indemnity details — is loaded dynamically and was not present in the HTML supplied. > > To obtain the full disclosure content, visit: **https://www.centastone.co.nz/disclosure-statement** in a JavaScript-enabled browser, or request the rendered page source. --- *Page URL:* https://www.centastone.co.nz/disclosure-statement --- ## https://financeadvisers.co.nz/api/provider/FSP740071/disclosure.md > _Markdown transcription of Opes Partners New Zealand Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.opespartners.co.nz/disclosure._ --- # Our Disclosure Document *Opes Partners New Zealand Limited — FAP Public Disclosure Statement* *Published: 7 Oct 2025* --- ## Who we are, and about our licence Our legal name is **Opes Partners New Zealand Limited** (FSP740071). We trade as Opes Partners. We are authorised to give financial advice under the Financial Advice Provider (FAP) licence of **Opes Group Holding Company Limited** (FSP774012) (our shareholder). --- ## The type of financial advice we give Our advisers give financial advice on building long-term wealth through new-build investment property. We do this by creating an investment plan with you (we call it **My Wealth Plan**) using our own software. During this process our advisers work with you to understand your goals, your personal situation and financial circumstances. Then we will help you assess whether investing in property could be a good fit for you. If it's not, we'll let you know. That's the right thing to do. If it is a good fit, we may recommend that you invest in a property listed by a related company **Opes Licensee Services Limited** (trading as **Opes Property**). We only recommend properties listed by Opes Property, because we know that Opes Property has undertaken due diligence on the developer and the development. We don't give advice on mortgages and insurance planning (but we can refer you to our related company **Opes Mortgages Limited** (Opes Mortgages) and **Opes Insurance**, who have advisers that are specialists in these areas). We don't give financial advice in relation to any other investment products, and we don't provide specific advice relating to asset protection, estate planning or tax (but we do recommend that you seek professional advice in these areas). --- ## How we are paid, and what it costs you In most cases, we won't charge you fees or any expenses for the financial advice we provide. You can book a meeting online for free. The only exception is if you book a meeting directly with **Andrew Nicol** (our Managing Partner). That costs **$199**, which you pay when you book. If you choose to purchase a property that we have recommended to you: - you'll pay the developer the purchase price for the property. You'll also pay your own legal, conveyancing, and other costs associated with the purchase and ongoing ownership of the property; and - Opes Property will receive an **agency fee from the developer**. Opes Property then pays a portion of that fee to us. The fee we receive is a **flat rate based on the location of the property**. It does not depend on the property value (so we aren't incentivised to recommend a more expensive property simply to earn more). Your financial adviser receives a **salary** as an employee of Opes Partners (so they are not incentivised to sell you a property at all costs). They are also eligible to receive a fee if you purchase a property based on their recommendation. This fee is paid from the fee we receive. Occasionally we may negotiate a lower fee than our usual flat rate. We will tell you if we do. We will also tell you exactly what those fees are if you elect to buy a property recommended by us. Of course, you can always work with us and then decide not to buy any property we recommend (and we still won't charge you a fee)! --- ## What about commissions and other incentives? We don't pay commissions. We may pay a modest **bonus** to our advisers if Opes Property meets its monthly performance target. The bonus is the same regardless of the value of the property recommended to you. Our financial advisers and other staff may also receive **non-monetary gifts** (e.g., tickets to an event, a gift, or a meal out). We monitor these gifts to ensure they don't create a conflict of interest or compromise the advice we provide to you. --- ## Conflict of interests There are two main conflicts of interest you need to know about. The first is how we are paid (including fees, commissions and other incentives) — discussed above. The second is about our related companies, and how we work with them. Because Opes Partners is part of a group, our directors hold (direct or indirect) ownership interests in our related companies, including: - **Opes Property** (real estate sales) - **Opes Mortgages** (mortgage advice) - **Opes Insurance Limited** (insurance advice) - **Opes Property Management Limited** - **Opes Accounting Limited** (accountancy services) We've put together this group to give you a one-stop shop – so you can get all the property services you need in one place. But it also means that if we refer you to these companies, there may be a financial benefit to the group (and our directors). We're careful not to let this sway our investment recommendations. To manage conflicts of interest we: - follow an advice process that ensures our recommendations are appropriate for your goals and financial situation. - record most client meetings, and review a selection of them to make sure our advisers are doing right by you. - require all of our team to undertake annual training on managing conflicts of interest. - maintain (and monitor) a conflict of interests register and a gift register. - engage an independent compliance provider to check the financial advice we give. At the end of the day, we're here for you. Of course, if you choose not to use our related companies, that's okay too. It's your choice. You should also know that **Sue Foley from Landley Law Limited** is one of the lawyers Opes Partners may recommend to clients. She is also the sole director of the three corporate trustee companies that own Opes Group Holding Company Limited. So, if you look Opes up on the Companies Office Register, it appears as if she is the ultimate shareholder of the Opes Group. It appears this way because the three directors of the Opes Group use Sue as their personal lawyer. --- ## Our complaints process Feedback is important to us. If you have a complaint, we want to hear about it. Please contact us as soon as possible: - **Call:** 0800 676 737 - **Email:** complaints@opespartners.co.nz - **Write to:** Level 2, 236 High Street, Christchurch 8011 ### When we receive a complaint: - we will consider your complaint and aim to resolve it immediately if possible. - if we can't resolve your complaint immediately, we will acknowledge your complaint within **2 business days**. We may contact you to get further information. - we aim to resolve complaints within **10 working days** of receiving them. If we need more time to investigate, we will let you know when you can expect to receive a response from us. - we will contact you by phone, email or letter to explain our response. If we cannot agree on how to fix the issue (or you don't want to use our internal complaints process), you can contact our external dispute resolution scheme **Financial Services Complaints Limited (FSCL)**. FSCL provides a free and independent dispute resolution service that may help to resolve your complaint if we haven't been able to do so to your satisfaction. **To contact FSCL:** - **Call:** 0800 347 257 - **Email:** complaints@fscl.org.nz - **Visit:** www.fscl.org.nz --- ## Our duties to you Under the Financial Markets Conduct Act 2013, we and our advisers must: - give priority to your interests - exercise care, diligence, and skill - meet standards of competence, knowledge and skill (as set by the Code of Professional Conduct for Financial Advice Services) - meet standards of ethical behaviour, conduct and client care (as set by the Code of Professional Conduct for Financial Advice Services) ### Reliability Event On **11 November 2025**, Opes Group Holding Company Limited (OPESG) was **censured by the Financial Markets Authority (FMA)** for breaching some of its financial advice licensee obligations. More information about this is available on the FMA website at [www.fma.govt.nz](https://www.fma.govt.nz/news/all-releases/media-releases/fma-censures-opes/). --- ## Contact details - **Opes Partners New Zealand Limited** - **Call:** 0800 676 737 - **Email:** vanessa@opespartners.co.nz - **Write to:** Level 2, 236 High Street, Christchurch 8011 *A written copy of this information is available on request and free of charge.* --- ## https://financeadvisers.co.nz/api/provider/FSP745331/disclosure.md > _Markdown transcription of Central Financial Planning Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.centralfp.co.nz/disclosure._ --- # Disclosure **Central Financial Planning Limited** We are licensed by the FMA, offering tailored financial advice on investments, estate planning, risk management, and tax planning, with transparent fees, a client-first approach, and a clear process for resolving any concerns. --- ## Licensing Information Central Financial Planning Limited (FSP745331) holds a Financial Advice Provider licence issued by the Financial Markets Authority to provide financial advice. The following advisers are authorised by that licence to provide financial advice: - **Brent Andrew Wilson** (FSP52023) - **Scott MacCallum Sinclair** (FSP1006553) - **Dewald de Beer** (FSP675811) --- ## What We Do We provide comprehensive financial planning advice to enable you to make confident, informed and wise choices about all aspects of your future financial wellbeing. This includes your assets and investments, income and expenses, estate and succession planning, personal and asset risk management, planning your future and tax planning. We work with your legal, accounting and insurance advisers to ensure you can make confident and informed choices about each aspect of your lives. This includes a wide range of investment solutions, including KiwiSaver. --- ## Conflict of Interest To ensure that our financial advisers prioritise your interests above their own, we follow a fiduciary advice process that ensures our recommendations are made on the basis of your individual ambitions, goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. Central Financial Planning Limited has a Service Level Agreement in place with Consilium NZ Limited (Consilium). Consilium is a private company incorporated in 2012 which provides professional adviser services and support, access to institutional pricing, global investment advisory research, portfolio and client management. Central Financial Planning pays a monthly fee for all services provided under this Agreement. Brent Wilson is the Director of Central Financial Planning. Brent and his family trust are also shareholders of Central Financial Planning and may directly benefit by way of receiving dividends — if or when any dividends are declared. We maintain registers of conflicts of interests, and any gifts or incentives we may receive. We undertake a compliance audit and review of our compliance program annually. --- ## Fees and Charges We do not charge for an initial meeting. We charge a financial planning fee to cover the time and research required to prepare your comprehensive Financial Plan. We will discuss this fee with you and seek your consent before we continue. In your Financial Plan we detail our recommended solutions and any ongoing fees so that you may make an informed choice as to whether to continue with our services. Our ongoing fees are charged monthly in arrears and deducted from your portfolio. Ongoing adviser fees for KiwiSaver are paid to us from our recommended KiwiSaver providers and included as part of their KiwiSaver management fee. For one-off advice, research or consultancy requirements, we will discuss and agree an hourly or fixed charge with you prior to commencing any work. --- ## Complaints Handling and Disputes Resolution We pride ourselves on our service, communication and willingness to help our clients. However, if you are not satisfied about any part of our service, please advise us so that we may work with you to find a solution that works for you. When we receive a complaint, we will consider it by following our internal complaints process: - We will consider your complaint and discuss with you how we propose to resolve it. We may need to contact you to get further information about your complaint. - We aim to resolve any complaint within 10 working days of receiving them. If we can't, we will contact you within that time frame to let you know we need more time to consider your complaint. - We will contact you by phone and/or email to let you know whether we can resolve your complaint and how we propose to do so. If we have not been able to resolve your complaint to your satisfaction, the **Insurance & Financial Services Ombudsman** provides a free, independent dispute resolution service for you that may help investigate or resolve your complaint. You can contact the Insurance & Financial Services Ombudsman: - **Phone:** 0800 888 202 or 04 499 7612 - **Post:** PO Box 10-845, Wellington 6143 - **Email:** [info@ifso.nz](mailto:info@ifso.nz) - **Website:** [www.ifso.nz](http://www.ifso.nz) --- ## Duties of Information Central Financial Planning and anyone who gives financial advice on our behalf have duties under the Financial Markets Conduct Act 2013 relating to the way that we provide you with advice. We are required to: - Give priority to your interests by taking all reasonable steps to make sure our advice isn't 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 ensure our advice suits your circumstances). 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). --- ## https://financeadvisers.co.nz/api/provider/FSP745511/disclosure.md > _Markdown transcription of Advicequal Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.theinsuranceplace.co.nz/important-info-about-us._ --- # Important Information About Us As of March 15th, 2021, we are required to either hold a licence or sit under another licence in order to offer financial advice in New Zealand. We have taken the choice of sitting under another licence. This provides us as a business and you as a client, a source of client focused advice and support tools, to ensure our clients are left with great outcomes following any engagement with us. The licence holder we have chosen is called Advice Qual Limited. More information about Advice Qual and how you are protected as a consumer can be found below within their disclosure statement. --- ## ADVICEQUAL PUBLIC DISCLOSURE ## Who Are We? AdviceQual Limited (AdviceQual) is a subsidiary of AIA Services New Zealand Limited and part of the AIA Group, one of the world's largest life insurers. We are authorised to provide a financial advice service under a licence issued by the Financial Markets Authority to AIA Services New Zealand Limited. ### Our contact details are as follows: Private Bag 92499 Victoria Street West 1142 Phone: 0800 828 200 Email: nz.advicequal@aia.com --- ## What Service Do We Offer? We specialise in providing life insurance solutions from our approved insurance providers to help you manage life's bumps in the road. Some of our financial advisers also advise on home loans from our approved lenders. --- ## Scope of Advice / Product Panel ### Our financial advisers can advise on Risk and Health products from the following product providers: - AIA (including Sovereign)\* - Chubb Life (including Cigna) - AMP/Resolution Life - Asteron Life - Fidelity Life - nib - Southern Cross - Accuro \*AdviceQual is a related company of AIA, however, AIA has no influence on the advice that our financial advisers provide and they are under no obligation to recommend AIA products. ### Our financial advisers can advise on Home Loan products from the following lenders: - ASB (including Go Home Loans) - ANZ - BNZ - Westpac - SBS - Resimac Our financial advisers may also advise on products from other providers not listed above, but only where they need to do so to provide you with complete advice on products from the listed providers. This might be the case if, for example, they are giving you advice on replacing an existing product from another provider, or advice on topping up your existing insurance arrangements. Our financial advisers do not otherwise advise on products from providers other than those listed above. Please note that not all of our financial advisers are accredited to advise on all of the above-mentioned products. Your financial adviser will inform you of the products they are accredited to advise on during your first meeting with them. --- ## Fees ### Insurance You will not be charged a fee, at any time, for any advice given even if you do not take any of the insurance cover recommended for you. ### Home Loans You may be charged a fee for advice given in respect of your home loan even if you do not take out a home loan. Your financial adviser will provide you with details of their fees and any other amounts payable by you before proceeding with their service. --- ## How Are Our Financial Advisers Remunerated? ### Commissions from product providers Our approved product providers pay AdviceQual and our financial advisers a commission when you purchase a financial product (such as an insurance product) and on an ongoing annual basis. In some cases, our approved product providers may also pay an additional variable commission. During the advice process your financial adviser will inform you of all commissions payable and who will receive them. ### Referral commissions In some circumstances your financial adviser may refer you to another professional (for example, an investment adviser). In return, your financial adviser may receive a share of the commission payable to the professional. Likewise, if another professional refers you to a financial adviser, they may receive a share of the commission payable to the financial adviser. ### Other incentives From time to time our product providers may offer your financial adviser other forms of incentives. These may include, for example, tickets to an event such as a rugby game. During the advice process your financial adviser will inform you of any material incentives that they receive as a result of the advice provided to you. --- ## Conflicts of Interest These processes help us to manage conflicts of interest relating to the commissions our financial advisers receive. AdviceQual is a related company of AIA. However, AIA has no influence on the advice that our financial advisers provide and they are under no obligation to recommend AIA products. --- ## How Do You Know You're Getting the Right Advice? We pride ourselves on the high standards we require of our financial advisers. All of our financial advisers receive training on ethical conduct and must also follow our advice process. Our advice process is designed to ensure that your financial adviser's recommendations are made based on your goals and circumstances and are suitable for you. To make sure that you are getting the right advice we also have quality assurance processes in place to monitor our financial advisers and, if we find something that's not quite right, we will fix it for you. --- ## What Duties Do Our Financial Advisers Have? Your financial adviser has legal duties relating to advice they give. They are required to: - Give priority to your interests by taking all reasonable steps to make sure their advice isn't materially influenced by their interests, or ours - 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 a summary of these duties. More information is available by contacting us or by visiting the Financial Markets Authority website. --- ## Complaints We are committed to providing you with quality advice that meets your needs. If you are not happy with any aspect of our service we will do our best to put it right for you. If you have a complaint you can choose to raise this directly with your financial adviser or you can lodge it directly with us by either phone, email or post. **Contact for complaints:** Phone: 0800 828 200 Email: nz.advicequal@aia.com ### How Our Complaints Process Works **Step One:** After we receive your complaint, we'll send an initial response acknowledging your complaint and setting out information about how our complaints process works. **Step Two:** We'll conduct an investigation into your complaint. Depending on complexity, this may take time, so please allow up to one month for us to review and explore all possible resolutions before coming to a final decision. **Step Three:** If a resolution can't be reached, we'll escalate your complaint to our Resolution and Privacy team. They will independently review your complaint, ensuring all areas of resolution have been explored. Where a resolution can't be reached, deadlock will be agreed, and you'll receive a letter of deadlock. This means that we are unable to take your complaint any further. ### What Happens if You Have Been Issued a Letter of Deadlock If we cannot resolve the issue to your satisfaction you can contact the Insurance & Financial Services Ombudsman Scheme which is a free independent dispute resolution service, and may help investigate or resolve your complaint. --- ## Dispute Resolution Scheme **Insurance & Financial Services Ombudsman Scheme (IFSO)** PO Box 10-845 Wellington 6143 New Zealand Telephone: 04 499 7612 Freephone: 0800 888 202 Email: info@ifso.nz Website: [www.ifso.nz](https://www.ifso.nz/) --- ## Ownership Disclosure AdviceQual Limited is a subsidiary of AIA Services New Zealand Limited and part of the AIA Group. --- *If you would like an electronic copy of the disclosure statement free of charge, please contact: info@theinsuranceplace.co.nz* --- ## https://financeadvisers.co.nz/api/provider/FSP745556/disclosure.md > _Markdown transcription of Agile Financial Services Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.loanmarket.co.nz/publicly-available-disclosure/._ --- # Publicly Available Disclosure **Loan Market Group** **Phone:** 0508 722 205 **Website:** www.loanmarket.co.nz This document sets out the information that Loan Market Group is required to make publicly available in accordance with the Financial Markets Conduct Regulations 2014. --- ## An Overview of Our Business Loan Market Group is a financial services group which operates under the 'Loan Market' and 'Insurance Market' brands. Businesses who are members of Loan Market Group (Adviser Businesses) provide financial advice to their clients and trade under either the 'Loan Market' or 'Insurance Market' brands. They pay fees to Loan Market Group to be a member of the group and for the services they receive from Loan Market Group. - Adviser Businesses are Financial Advice Providers under the Financial Markets Conduct Act 2013 and each Adviser Business is required to be registered on the Financial Service Providers Register (https://fsp-register.companiesoffice.govt.nz/) (FSPR). - Adviser Businesses engage Financial Advisers to provide financial advice to clients. The FSPR shows the Financial Advisers which have been engaged by a particular Adviser Business. - The Financial Advisers you can search for on the Loan Market website (https://www.loanmarket.co.nz/advisers) and the Insurance Market website (https://www.insurance-market.co.nz/advisers) are engaged by an Adviser Business. The name of the relevant Adviser Business is set out on their webpage. --- ## Licensing Information The Adviser Businesses under Loan Market Group are authorized to provide financial advice under a license issued by the Financial Markets Authority in the name of **NZ Financial Services Group Limited (FSP286965)**. NZ Financial Services Group Limited is the parent company of Loan Market Group in New Zealand. As set out below, most Adviser Businesses are authorised under this licence and a small number of Adviser Businesses have their own license. --- ## Authorised Bodies The conditions on our license authorise specific Adviser Businesses to provide financial advice under NZ Financial Services Group Limited's licence from the FMA (referred to in this Disclosure as "Authorised Bodies"). A full list of the Authorised Bodies is located on the FSPR (https://fsp-register.companiesoffice.govt.nz/) (search 'NZ Financial Services Group Limited' and view the list of Authorised Bodies under the 'Financial Services' tab). --- ## Own Licences There are also a small number of Adviser Businesses who are authorised to provide financial advice under their own licence from the FMA. --- ## Scope of This Publicly Available Disclosure This document sets out some information about Loan Market Group, Adviser Businesses and Financial Advisers engaged by those Adviser Businesses, as required by the Financial Markets Conduct Regulations 2013. The Adviser Businesses, including the Authorised Bodies, have their own Publicly Available Information Disclosures which set out: - Whether they are authorised under the NZ Financial Services Group licence or whether they hold their own licence from the FMA; - The nature and scope of the financial advice service their Financial Advisers can offer; - Other key information about fees, commissions and complaints. You can locate their Publicly Available Information Disclosures on our website by searching for an Adviser here (https://www.loanmarket.co.nz/advisers) (for Loan Market) and here (https://www.insurance-market.co.nz/insurance-advisers) (for Insurance Market). The Financial Advisers have their own Disclosure Guides. These are not available on our websites but are provided on request and otherwise are provided by the Financial Adviser when they are engaged to provide financial advice by a current or prospective client. In this Disclosure Statement, an Adviser Business's Publicly Available Information Disclosures and a Financial Adviser's Disclosure Guide are referred to collectively as the "Adviser Disclosures". --- ## Financial Advice and Product Providers Loan Market Group does not provide financial advice directly to clients, however the Adviser Businesses and their Financial Advisers provide clients with financial advice about **Life, Fire & General Insurance products** and/or **Lending products** and/or **KiwiSaver**. They generally provide financial advice about products from certain product providers that are included in Loan Market Group's approved panel of product providers. The Adviser Disclosures: - Set out the specific products that they can provide financial advice on. - Set out the relevant product providers. --- ## Fees and Expenses Because Loan Market Group does not provide financial advice directly to clients, it does not charge fees and expenses to clients. Information about fees and expenses that might be payable by a client to an Adviser Business and/or a Financial Adviser in connection with receiving financial advice is set out in the Adviser Disclosures. --- ## Conflicts of Interest Loan Market Group is required to disclose any interests of Loan Market Group, of its Adviser Businesses or of its Financial Advisers which a client may expect to materially influence the financial advice a client may receive from a Financial Adviser. ### Commissions and Incentives If a client receives advice from a Financial Adviser in relation to an insurance product and the insurance application is accepted, Loan Market Group may receive a commission payment from the applicable insurer. Additionally, where a Financial Adviser refers a client to **Tower Insurance** or **Initio** for their insurance needs, or refers a client to **XE Money**, **Prospa NZ** or **Bizcap** for their other financial needs, Loan Market Group may receive a referral payment. Loan Market Group manages the potential conflicts of interest arising as a result of these payments by ensuring: - Terms of the payments are between Loan Market Group and the applicable product provider. - Loan Market Group does not direct or influence Adviser Businesses or Financial Advisers to recommend products from, or refer clients to, a particular insurer or product provider. - Loan Market Group requires Financial Advisers to recommend products by following an advice process that ensures the Financial Adviser understands the needs and goals of their clients and that their recommendations meet those needs and goals. In relation to lending products and KiwiSaver, Loan Market Group does not receive commission payments from product providers (however see below under 'Other interests' for shareholder dividends that Loan Market Group's parent company may receive in relation to one KiwiSaver scheme). An Adviser Business and/or a Financial Adviser usually receive commission payments in connection with financial advice that they provide if a product is acquired following that financial advice. That commission payment may include an upfront payment, together with an ongoing renewal or trail payment. More information about those commissions, and any other incentives they may receive, is set out in the Adviser Disclosures. To ensure that the Adviser Businesses and Financial Advisers manage the potential conflict of interest raised by the commission payments, Loan Market Group: - Provides guidance and training on conflicts of interest. - Requires Financial Advisers to recommend products by following an advice process that ensures the Financial Adviser understands the needs and goals of their clients and that their recommendations meet those needs and goals. - Requires Financial Advisers to provide, in their Disclosure Guide, a schedule showing commission rates and types by product provider. - Carries out regular assurance in relation to the advice provided by a Financial Adviser which assesses, amongst other matters, how conflicts of interest have been managed. ### Other Interests - **NZ Financial Services Group (NZFSG)**, which is Loan Market Group's parent company, has an indirect shareholding in **Koura Wealth Holdings Limited** (Koura Holdings), which is the sole shareholder of **Koura Wealth Limited** (Koura Wealth), and an NZFSG employee is a director of Koura Holdings. Koura Wealth is the manager of the **Koura KiwiSaver Scheme** and receives an investment management fee based on the Scheme's total funds under management. NZFSG may receive shareholder dividend payments based on the performance of Koura Holdings. NZFSG and Loan Market Group may manage this potential conflict of interest by ensuring they do not direct or influence Financial Advisers to recommend the Scheme over other KiwiSaver schemes and by requiring Financial Advisers to recommend products by following an advice process that ensures the Financial Adviser understands the needs and goals of their clients and that their recommendations meet those needs and goals. - Some of the directors of Loan Market Group: - Have shareholding interests in parent companies of Loan Market Group and therefore may receive shareholder dividend payments based on the performance of Loan Market Group. - Receive a salary from NZFSG which includes a variable component based on the performance of NZFSG and Loan Market Group. Loan Market Group manages the potential conflicts of interest arising by these payments by ensuring that all interests are disclosed in a conflicts of interests register and that decisions made are in the best interests of clients. - One of the directors of Loan Market Group is also a director, shareholder and Financial Adviser of an Adviser Business. Loan Market Group manages this potential conflict of interest by ensuring that all interests are disclosed in a conflicts of interest register and that the director does not participate in, or vote on, decisions in relation to which the director has a conflicted interest. - In relation to Adviser Businesses and Financial Advisers, Loan Market Group holds regular events for its Adviser Businesses and Financial Advisers that encourage learning and development. Some Product Providers contribute financially to these events and those Product Providers have opportunities at the event to highlight their product and in some cases provide attendees with information about their products. Additionally, Financial Advisers may be invited directly to events hosted by Product Providers. Loan Market Group manages this potential conflict of interest by: - Not directing or influencing Adviser Businesses or Financial Advisers to recommend products from particular Product Providers. - Requiring Financial Advisers to recommend products by following an advice process that ensures the Financial Adviser understands the needs and goals of their clients and that their recommendations meet those needs and goals. - Carrying out regular assurance in relation to the advice provided by a Financial Adviser which assesses, amongst other matters, how conflicts of interest have been managed. An Adviser Business and/or Financial Adviser will disclose to a client in the Adviser Disclosures any other material interests they have. --- ## Complaints and Dispute Resolution If you have a complaint about the financial advice or the service you've received from an Adviser Business and/or a Financial Adviser please lodge a complaint with them. Information about an Adviser Business's internal complaints service and their dispute resolution scheme can be found in the Adviser Disclosures. If you have a complaint that relates to Loan Market Group, or if you are unhappy with how a complaint against your Adviser Business and/or your Financial Adviser has been dealt with, you can contact Loan Market Group's internal complaints service by emailing **complaints@loanmarket.co.nz** with the heading "Complaint – (Your Name)". Please set out the nature of your complaint, and the resolution you are seeking. We aim to acknowledge receipt of this within 24 hours. We will then record your complaint in our Complaints Register and investigate your complaint. We may want to meet with you to better understand your issues. We will then investigate your complaint and aim to provide a response to you within 7 working days of receiving your complaint. If we need more time to investigate your complaint, we'll let you know. If we cannot agree on a resolution you can refer your complaint to our external dispute resolution service. This service is independent and will cost you nothing and will assist us to resolve things with you. ### External Dispute Resolution **Financial Services Complaints Limited (FSCL) – A Financial Ombudsman Service** - **Phone:** 0800 347 257 - **Email:** complaints@fscl.org.nz --- ## Our Duties Anyone giving financial advice under Loan Market Group's licence from the FMA is bound by and supports the duties set out in the Financial Markets Conduct Act 2013. **These duties are:** - Meet the standards of competence, knowledge, and skill and the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Providers. - Give priority to client's interests. - Exercise care, diligence, and skill. --- *Note: Individual Adviser Business Publicly Available Information Disclosures and Financial Adviser Disclosure Guides (collectively "Adviser Disclosures") are separate sub-documents. Adviser Business disclosures are accessible via the adviser search pages at https://www.loanmarket.co.nz/advisers and https://www.insurance-market.co.nz/insurance-advisers. Financial Adviser Disclosure Guides are provided on request or at the time of engagement.* --- ## https://financeadvisers.co.nz/api/provider/FSP745811/disclosure.md > _Markdown transcription of Opes Mortgages Limited's Public Disclosure Statement, version 2026-05-18. Source: https://d2p5lmkcbt3lk2.cloudfront.net/images/OM-3560-Mortgages-Disclosure-Document19.pdf._ --- # Stage 1 Disclosure ## Licensing information Opes Mortgages Limited (FSP745811) is a Financial Advice Provider (FAP) regulated by the Financial Markets Authority. Opes Mortgages Limited is authorised under the licence of Opes Group Holding Company Limited (FSP774012) to provide financial advice. ## Nature and scope of the advice Our advisers provide financial advice about mortgages provided by the following product providers: ### Mortgages: - AIA GO Home Loans - ANZ - ASAP Finance - ASB - Avanti Finance - Bank of China New Zealand Limited - Basecorp Finance - BNZ - China Construction Bank - Cressida Capital - Conrad Funds Management Limited (CFML) - DBR Property Financiers - First Mortgage Trust - Funding Partners - Heartland Bank - KiwiBank - Liberty Financial Limited - Unity (Formerly NZCU) - ICBC - Pepper Money - Plus Finance - Prospa NZ - SBS Bank - Southern Cross Partners - The Co-operative Bank - TSB Bank - Westpac ### Opes Mortgages does not provide financial advice services relating to: - Legal or estate planning (e.g. wills, trusts, contracts, etc.) - Insurance advice - Investment products (e.g. shares, bonds, managed funds, KiwiSaver, etc.) - Property Investment advice You will need to consult an appropriate specialist if you would like advice on the above. ## Fees or expenses In most cases, we are paid by the lender, and no fee is charged to you. However, in limited circumstances, Opes Mortgages may charge you a service fee for the financial advice we provide you, including where an upfront commission is not offered, or only a reduced commission is offered, by the product provider that your loan will be sourced through. Of course, if you do choose to take out a mortgage, you will need to make the loan repayments, along with the other costs associated with getting a mortgage, like legal fees and insurance. If you repay or refinance any loan, within a period of up to 28 months of inception ("clawback period"), we will have to charge you a fee based upon the amount of commission we will have to pay back to the lender. The fee reduces on a sliding scale based on the length of time you have had the loan. The closer to the end of the clawback period you are, then the lower the fee. For example, ANZ loan of $500,000 with 0.85% commission amounting to $4,250. The loan is repaid after 12 months. ANZ requires repayment by Opes Mortgages of 49.96% of the commission amounting to $2,123.30. We will not charge you a clawback recovery fee if we were given the opportunity to secure new lending or refinancing for you but were unable to at least match a finance approval that you obtained elsewhere, or if we charged you an upfront Service Fee for arranging the original loan. ## Conflicts of interest and commissions If you decide to take out a loan through us, Opes Mortgages Limited will receive a commission from the lender that you choose. The amount of this commission is dependent on the lender and the amount of your loan. This commission is paid to us upon settlement of your loan. Opes Mortgages advisers are remunerated through a salary. They do not receive commission as a result of the advice they give you. ## Non-Monetary Incentives Some product providers may provide our company and advisers with certain non-monetary benefits that support our business, such as subsidised training for our advisers. These benefits may also include bottles of wine during Christmas, tickets to sponsored events, or the occasional meal. ## Related companies We may refer you to related companies within the Opes Group for services such as investment property advice, accounting, insurance, or property management services. Referrals are made with your best interests in mind, and you are under no obligation to use the services of any related company. You are welcome to use your own advisers and may seek alternatives independently should you wish to do so. Opes Mortgages does not receive any referral fees or commissions if you decide to use these services. Because Opes Mortgages is part of a group, our directors hold (direct or indirect) ownership interests in the following related companies: - Opes Licensee Services Limited T/a Opes Property (real estate sales) - Opes Partners New Zealand Limited (property investment advice) - Opes Insurance Limited (insurance advice) - Opes Accounting Limited (accountancy services) - Opes Property Management South Limited and Opes Property Management North Limited. Sue Foley from Landley Law Limited is one of the lawyers Opes Mortgages may recommend to clients. She is also the sole director of the three corporate trustee companies which own Opes Group Holding Company Limited. ## How do we manage conflicts of interest? To ensure our advisers prioritise our clients' interests: - We follow an advice process that ensures our recommendations are made appropriately, based on clients' goals and circumstances. - Record most client meetings and review a selection of them to make sure our advisers are doing right by you. - All our 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. These registers are monitored regularly, and additional training is provided as required. - Our advisers do not receive commission as a result of the advice they give you. - We engage an independent compliance provider to check the financial advice we give. ## Complaints handling and dispute resolution If you are not satisfied with our service or financial advice, please tell us as soon as possible. **Call:** 0800 676 737 **Email:** complaints@opes.co.nz **Write to:** Level 2, 236 High Street, Christchurch 8011 ### 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 immediately, we will acknowledge your complaint within 2 business days. We may contact you to get further information about your complaint. - We aim to resolve complaints within 10 working days of receiving them. If we need more time to investigate your complaint, we will let you know when you can expect to receive a response to your complaint. - 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 cannot agree on how to fix the issue, you can contact our external dispute resolution scheme, Financial Services Complaints Limited ("FSCL"). FSCL provides a free and independent dispute resolution service that may help to resolve your complaint. ### To contact FSCL: **Call:** 0800 347 257 **Email:** complaints@fscl.org.nz **Visit:** www.fscl.org.nz ## Our duties Opes Mortgages and our advisers 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 - Exercise care, diligence, and skill - Meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services - Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services. ## Reliability event On 11 November 2025, Opes Group Holding Company Limited (OPESG) was censured by the Financial Markets Authority (FMA) for breaching some of its financial advice licensee obligations. More information about this is available on the FMA website HERE. ## Contact details **Call:** 0800 676 737 **Email:** vanessa@opes.co.nz **Write to:** Level 2, 236 High Street, Christchurch 8011 **Website:** opesmortgages.co.nz --- A written copy of this information is available on request and free of charge. --- ## https://financeadvisers.co.nz/api/provider/FSP7461/disclosure.md > _Markdown transcription of Loansmart Limited's Public Disclosure Statement, version 2026-05-24. Source: https://loansmart.co.nz/loansmart-limited-disclosure-statement/._ --- # Loansmart Limited Disclosure Statement --- ## Loansmart Limited Disclosure Statement At Loansmart we strive to find the best Personal Loan for your situation, understanding your goals and objectives will enable us to recommend a suitable Personal Loan for you. All our advisers are trained in considering all the options available for you and your circumstances. We have been operating since 2008 and are continually striving to find the best options in the NZ lending market. --- ## License Information Loansmart Limited (FSP #7461, trading as Loansmart) holds a Full Class 2 Financial Advice Provider Licence issued by the Financial Markets Authority to provide financial advice. **We do not provide financial advice service related to:** - **a.** Investment products (e.g., shares, bonds, managed funds, etc.) and Kiwi Saver products. - **b.** Estate planning (such as Wills, Enduring Powers of Attorney, and trusts of any description). - **c.** Personal risk insurance (e.g.; life insurance, mortgage protection insurance, serious illness or trauma insurance, medical insurance, disability insurance, etc.) **Our contact details are:** Loansmart Limited PO Box 28, 231 Remuera, Auckland 1541 Email: enquires@loansmart.co.nz Phone: 0800 255 155 --- ## Nature and Scope of Engagement Personal Loan Broker – Loansmart provides advice to our clients about Personal Loans & Credit-related insurance. We only provide financial advice about products from certain providers. **For Personal and Vehicle loans, we work with the following lenders:** - **Avanti Finance Limited** – 30 Daldy Street, Auckland 1010 - **Finance Now Limited** – 51 Don Street, Invercargill 9810 - **Pioneer Finance Limited** – 106/100 Parnell Road, Parnell, Auckland 1052 - **Nectar Trustee Limited** – Level 1, 22 Fanshawe Street, Auckland 1010 - **Personal Loan Corporation Limited** – 10 The Esplanade, Eastern Beach, Auckland 2012 - **Community Financial Services Limited** – 2-4 Sultan Street, Ellerslie, Auckland 1051 - **Financial Holdings Limited** – 17 Kalmia Street, Ellerslie, Auckland 1051 - **Branded Financial Services (NZ) Limited** – Level 3, 30 Daldy Street, Auckland 1010 - **Lifestyle Money Limited** – Building 6 15 Accent Drive, East Tamaki, Auckland 2013 - **Geneva Finance Limited** – Level 3, 3 Te Kehu Way, Mt. Wellington, Auckland 1060 - **Oxford Finance Limited** – Level 5, 70 Shortland Street, Auckland 1010 **The referral partners we use when suitable are:** - **Rhino Solutions Limited** – Level 3, 17 Albert Street, Auckland 1010 - **Aotea Finance** – 27 East Tamaki Road, Papatoetoe, Auckland 2025 - **Prospa NZ** – 74 Taharoto Road, Takapuna, Auckland 0622 - **Spinach Limited** – PO Box 95228, Swanson, Auckland 0612 - **Loan Market NZ** – 22 Kings Crescent, Lower Hutt 5010 **For credit-related insurance, we work with the following companies:** - **Provident Insurance Corporation Limited** – Floor 1, 61 Hurstmere Road, Takapuna, Auckland 0622 - **Financial Holdings Limited CCI** – 17 Kalmia Street, Ellerslie, Auckland 1051 --- ## How We Operate To ensure that our financial advisers prioritise the client's interests above their own, we follow an internationally recognised professional advice process to ensure our recommendations are made based on the client's goals and circumstances. --- ## Advice Conduct Loansmart, 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). --- ## Remuneration — How Loansmart Gets Paid **Loansmart Fee** – Loansmart may charge a fee based on the size and complexity of the loan. This fee is up to 5% of the loan amount plus $245, to a maximum of $995 for unsecured loans (GST exclusive). For secured loans the calculation is the same, but the maximum fee is $1,995 (GST exclusive). **Insurance related products** – Loansmart may receive a commission on any insurance product that is taken with the loan. The commission amount is a percentage of the insurance premium and will vary depending on the provider. All fees & insurance premiums can be financed as part of the loan (added to the loan). **Commission** – We may receive a commission from the lender when a loan is completed. The commission amount is a percentage of the loan amount and will vary depending on the lender. **Referral Commission** – If we are unable to arrange a loan approval for you with one of our lenders and we believe one of our referral partners could assist you, we will refer your application to them. This will be communicated at the time. We may receive a referral commission of up to 13% of the loan amount if this referral leads to you taking a loan with them. --- ## Cancellations This section outlines the process for cancelling and refunding a loan. If you wish to cancel your loan before the funds have been advanced there is no fee payable. If you choose to cancel your loan application after the funds have been disbursed, you may do so within the cancellation period stipulated in the Loan Agreement, however, the Loansmart Fee is non-refundable. This means that if you wish to cancel after receiving the funds, you will be required to repay both the full loan advance and the Loansmart fee. The Loansmart Fee is non-refundable because it covers the completion of all necessary steps in the loan process, including the time and resources dedicated to securing and processing your loan. To proceed with cancellation, please contact your Loan Consultant, who will provide you with the appropriate details to facilitate repayment and cancellation. --- ## Conflicts of Interest We take any perceived or real conflicts of interest very seriously and have a dedicated policy for dealing with such issues whereby we avoid, disclose and/or manage any conflicts so that our client's interests are placed first. 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. Loansmart monitors these registers and provides additional training where necessary. Loansmart performs an annual review of our compliance programme. --- ## Complaints Handling and Dispute Resolution We are always looking at ways to improve our service to our customers, if something has gone wrong, we want to know. Please send us an email at enquires@loansmart.co.nz, or call us on 0800 255 155 so we can discuss with you. **You can also write to us at:** PO Box 28231, Remuera, Auckland 1546 **When we receive a complaint, we will:** - Acknowledge your complaint within 1–2 working days. - Initiate our complaints process according to our Complaints Management Policy. - Gather and evaluate information about your complaint. - If your complaint cannot be resolved immediately, we will provide you with a copy of our Complaints Disclosure document. - Respond to you within 20 working days. If we cannot agree on how to resolve the complaint, you can contact **Financial Services Complaints Limited (FSCL)**. FSCL are an independent, not-for-profit, external dispute resolution scheme approved by the Minister of Consumer Affairs. FSCL's service does not cost you anything and they will help resolve the complaint. You can contact FSCL: 1. by calling **0800 347 257** 2. by emailing **complaints@fscl.org.nz** 3. through FSCL's website: [www.fscl.org.nz](https://fscl.org.nz/) 4. by writing to: FSCL, PO Box 5967, WELLINGTON 6011 --- ## Ask Us — We Are Here to Help We welcome any questions or queries you have in relation to this important information but more importantly, we look forward to working with you. A copy of this Disclosure Statement can be emailed to you upon request. --- ## https://financeadvisers.co.nz/api/provider/FSP748572/disclosure.md > _Markdown transcription of Lighthouse Wealth Limited's Public Disclosure Statement, version 2026-05-24. Source: https://lighthousefinancial.co.nz/wealth-disclosure-statement/._ --- # Disclosure Statement ## Licensing Information Lighthouse Wealth Limited (FSP 748572, trading as Lighthouse Wealth) holds a license issued by the Financial Markets Authority to provide financial advice. Our financial advisers provide advice on behalf of Lighthouse Wealth as the FAP licence holder. **You can contact us at:** Phone: 09 884 0159 Email: wealth@lighthousefinancial.co.nz Address: 10/23 Custom Street East, Auckland Central, Auckland 1010 Website: lighthousewealth.co.nz --- ## About Us At Lighthouse, our purpose is to secure your financial future. **For us, this means:** - Buying long-term assets - Financial Literacy + Action = Financial Freedom - Compounding returns are the greatest force in the financial universe - We think long term, not short term. Lighthouse Wealth is unique. We offer holistic advice and have a great team of accountants and mortgage brokers at Lighthouse, making us your one-stop shop for securing your financial future. **Our Team:** - James Blair (FSP 376306) - Ash Solly (FSP 1004631) - Jess Hargreaves (FSP 1007365) - Nicole Lam (FSP 1008149) - Euan Jones (FSP 1001774) - Callum Gilmour (FSP 1006607) - Justin Gauci (FSP 1001851) - Alex Revington (FSP 1012186) --- ## Nature and Scope of the Advice Lighthouse Wealth provides advice to our clients about their investments, including managed funds and investment property, KiwiSaver, budgets, personal insurance and ACC. For investment clients with over $250,000 we will recommend an independent investment portfolio. We work with [Mapua Wealth](https://mapuawealth.com/) as our independent research house. --- ## Product Providers All Lighthouse Financial Advisers provide financial advice on products from specific providers. A list of these providers can be found below: - **Synergy Investments** – for clients who have a smaller lump sum to invest or who want to contribute regularly to their investment. - **Milford, Booster, Generate, Kernel, KiwiWrap and Pathfinder** – our KiwiSaver providers. - **Asteron, AIA, Fidelity Life, Chubb, PPS Mutual and Partners Life** – for life insurance and income protection. - **AIA, nib, Southern Cross and Partners Life** – for health insurance. - **Booster** – for UK pension transfers. As part of our financial plan we will include investment property in your financial plan. We do not provide advice on specific properties. We only include property as a planning tool to forecast if investment property is an effective tool to achieve your goals. We make introductions to property experts inside and outside of Lighthouse. We have no conflicts of interest with our external relationships. Lighthouse Wealth does own 25% of the Lighthouse Property business which is a conflict of interest. We provide advice on a wide range of NZ and overseas-based investment funds for investment products. --- ## Fees or Expenses Lighthouse charges a fee for your financial plan. These fees will only apply if you agree to them before any engagement for our services. KiwiSaver and insurance providers pay Lighthouse a commission fee and/or an ongoing amount. Initial commissions are a percentage based on the value of your investment contributions or insurance premiums. Ongoing commissions are recurring percentages based on the value of your investment balance or insurance premiums. Specific commission amounts will be disclosed and agreed upon before any advice and products are implemented. Lighthouse charges **0.55% (including GST)** as an ongoing advice fee for clients who implement our Māpua Wealth portfolios. This ongoing advice fee covers the annual review, ongoing management, and any recommended changes in the future. --- ## Conflicts of Interest & Incentives For life and health insurance, Lighthouse Wealth receives commissions from the insurance companies on whose policies we advise. If you decide to take out insurance, the insurer will pay a commission to Lighthouse Wealth. The amount of the commission is based on the amount of the premium. For KiwiSaver, Lighthouse Wealth receives either an upfront commission or an ongoing trail (depending on the KiwiSaver provider) if you decide to open or transfer your KiwiSaver to that specific provider. The amount of the commission or trail is dependent on the balance of your KiwiSaver and salary. Lighthouse's Financial Advisers are salaried employees and do not receive any individual payments from providers based on recommended solutions for clients. Where relevant, we will share your information with our other partner businesses (Lighthouse Accounting, Lighthouse Mortgages, and Lighthouse Wealth) for the purpose of providing any current or future services you may request. We will always act in your best interests first and disclose all associated referral fees, commissions, conflicts of interest, or potential conflicts of interest where appropriate. To ensure that our Financial Advisers prioritise the client's interests above their own, we follow an advice process that ensures our recommendations are made based on the client's goals and circumstances. All our Financial Advisers undergo annual training to help manage conflicts of interest. We undertake a compliance audit and an annual review of our compliance programme by a reputable compliance adviser. Your Financial Adviser may introduce you to Lighthouse Property if you mutually agree that is appropriate for you. Lighthouse Wealth owns 25% of Lighthouse Property. From time to time, Lighthouse Wealth may receive certain non-monetary benefits from product providers. This could include, but is not limited to, gratuities such as a bottle of wine at Christmas time, a free calendar, pen, or book, the occasional luncheon, drinks after a briefing session, invitations to sporting events, subsidised professional development, discounted training courses, or office supplies, etc. --- ## Complaints Handling & Disputes Resolution If you are not satisfied with our financial advice service, you can make a complaint by emailing info@lighthousefinancial.co.nz, or by calling 09 320 4947. You can also write to us at: Address: 41 High Street, Auckland Central, Auckland 1010 When we receive a complaint, we will consider it following our internal complaints process: 1. We will consider your complaint and let you know how we intend to resolve it. 2. We may need to contact you to get further information about your complaint. 3. 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. 4. 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact **The Insurance & Financial Services Ombudsman Scheme**. The Insurance & Financial Services Ombudsman Scheme provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we haven't been able to resolve your complaint to your satisfaction. **Contact details for the Insurance & Financial Services Ombudsman Scheme:** Email: info@ifso.nz Phone: 0800 888 202 The Insurance & Financial Services Ombudsman Scheme Level 2, Solnet House 70 The Terrace Wellington 6143 --- ## Duties Information Lighthouse Wealth, 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 isn't 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 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 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). --- ## Privacy As part of our process, we will collect your personal information. We take your privacy very seriously and have the appropriate processes and controls in place to ensure your data is protected. Your Adviser and relevant Lighthouse Wealth staff will have access to your data so we can provide the highest level of service. Where relevant, we will share your information with our other partner businesses (Lighthouse Accounting, Lighthouse Mortgages, and Lighthouse Wealth) for the purpose of providing any current or future services you may request. We allow third parties access to your data for compliance reasons. This will occur during our client file reviews by our independent compliance contractor, **Compliance Refinery**. We may also need to complete an Anti-Money Laundering check as per regulation. We use **Real AML** for these checks. We can also be reviewed by the regulator, the Financial Markets Authority, who will access your personal details as part of their review. --- *The general privacy policy is available at [lighthousefinancial.co.nz/privacy-policy/](https://lighthousefinancial.co.nz/privacy-policy/).* *Terms of Engagement are available at [lighthousefinancial.co.nz/terms-of-engagement/](https://lighthousefinancial.co.nz/terms-of-engagement/).* *Further detail on fees for the financial plan is available at [lighthousefinancial.co.nz/wealth/holistic-financial-advice/](https://lighthousefinancial.co.nz/wealth/holistic-financial-advice/).* --- ## https://financeadvisers.co.nz/api/provider/FSP750031/disclosure.md > _Markdown transcription of Zenith Group Limited's Public Disclosure Statement, version 2026-05-18. Source: https://www.zenithgroup.co.nz/wp-content/uploads/2023/06/Complaint-Disclosure-V2-2023.pdf._ --- # Complaint Disclosure ## We are always looking for ways to improve our service to you. If something has gone wrong, we want to know. Please send an email to contactus@zenithgroup.co.nz and tell us what has happened and how we can resolve matters. If you have any documents or correspondence that will help us understand your complaint, please attach them to the email. ## When we receive your complaint, we will: 1. Acknowledge your complaint within 2 days (although emails received at the weekend, on statutory days, or other days when the office is closed may take longer). 2. Gather and evaluate information about your complaint. 3. Respond to you within 20 working days. ## If we cannot agree on how to resolve the complaint We will send you a letter of deadlock. You may then contact our Dispute Resolution Scheme, Financial Services Complaints Limited (FSCL). FSCL are independent and free for clients and an external dispute resolution scheme approved by the Minister of Consumer Affairs. FSCL's service does not cost you anything and they will help resolve the complaint. ## You can contact FSCL: - By calling 0800 347257 - By emailing info@fscl.org.nz - Through FSCL's website: www.fscl.org.nz - Writing to Financial Services Complaints Limited, PO Box 5967, Wellington 6140 --- ## https://financeadvisers.co.nz/api/provider/FSP752411/disclosure.md > _Markdown transcription of Home Loan Finance Limited's Public Disclosure Statement, version 2026-05-18. Source: https://www.homeloanfinance.co.nz/s/Authorised-Body-Disclosure.pdf._ --- # Authorised Body Disclosure Here is some general information about our business to help you decide if you want to seek our advice. ## Licensing information We, Home Loan Finance Ltd (FSP752411), operate as a Financial Advice Provider under a current licence issued by the Financial Markets Authority in the name of NZ Financial Services Group Limited (FSP286965). There are no conditions attached to this licence on the advice that may be given. ## Our advice and Product Providers Home Loan Finance Ltd provides financial advice to our clients about home loan products. The financial providers we work are as follows: * ANZ * ASB * ASAP Finance * Avanti Finance * Westpac * BNZ * Cressida Capital * First Mortgage Trust * SBS Bank * Heartland Bank * Pepper Money * Unity * The Co-Operative Bank * Kiwibank * Liberty Financial * Prospa * AIA Go Home Loans ## Commission On settlement of a loan, we usually receive commission from the applicable product provider. The commission is generally of an upfront nature but may also include a renewal or trail commission. We also receive a fixed rate roll over fee from some product providers if we assist in refinancing your loan. This commission is used to remunerate the financial adviser that provides the advice, and to pay the expenses associated with running our business including any rent, staff costs and IT resources. From this commission we also pay NZ Financial Services Group Limited for services they provide to us in connection with our authorisation under their licence from the Financial Markets Authority. We take steps to ensure that the receipt of commissions does not influence the advice we give to you and that our advisers prioritise your interests by recommending the best product for your purpose regardless of the type and amount of commission we or they may receive. We do this by: * Ensuring our advisers follow an advice process that ensures they understand your needs and goals and that their recommendations on insurance cover meets those needs and goals. * Ensuring our advisers receive regular training on how to manage conflicts of interest. * Providing you with a schedule showing commission amounts and types by product provider. This schedule is contained within each Financial Adviser's personalised Disclosure Guide. A Financial Adviser will provide you with more information about commissions during the advice process. ## Fees and Expenses Generally, we don't charge you any fee for the advice and transactional solutions that we provide to you. This is possible because, on settlement of a mortgage, we usually receive commission from the applicable product provider as described above. There is an exception to this general position which is explained below. We may charge you a one-off fee if you request that we provide services in relation to a product or service and we do not receive a commission. Any such fee would be agreed and authorised by you in writing before we complete the services, and would be based on an estimate of the time spent providing the advice. This may arise in the rare event that you request that we provide Services in relation to either a product that is offered by a provider that we do not hold an accreditation with, or a product that is outside our usual arrangements with our product providers. Should we need to charge you a fee, you will be invoiced and will be given 30 days to make payment. ## Conflicts of Interest If there are any conflicts of interest apart from commission that could potentially influence the advice that we give, these will be shown in your Financial Adviser's Disclosure Guide. ## Complaints If you have a complaint about our service you need to tell us about it. You can contact our internal complaints service by phoning us on 022 456 3043 or emailing us at info@homeloanfinance.co.nz with the heading Complaint - (Your Name). Please set out the nature of your complaint, and the resolution you are seeking. We will acknowledge receipt of this within 24 hours. We will then record your complaint in our Complaints Register and notify our Licence Holder. We may want to meet with you to better understand your issues. We will then investigate your complaint and provide a response to you within 7 working days of receiving your complaint. If we need more time to investigate your complaint, we'll let you know. If we cannot agree on a resolution you can refer your complaint to our external dispute resolution service. This service is independent and will cost you nothing and will assist us to resolve things with you. Details of this service are: **Insurance & Financial Services Ombudsman Scheme** Phone: 0800 888 202 Email: info@ifso.nz ## Our Duties Anyone within our business giving advice is bound by and supports the duties set out in the Financial Markets Conduct Act 2013. These duties are: * Meet the standards of competence, knowledge, and skill and the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Providers. * Give priority to your interests. * Exercise care, diligence, and skill. --- ## https://financeadvisers.co.nz/api/provider/FSP754351/disclosure.md > _Markdown transcription of Lift Capitals Limited's Public Disclosure Statement, version 2026-05-18. Source: https://www.homelend.co.nz/disclosure-statement._ --- # Disclosure Guide Here is some key information you need to know to help you understand what type of advice I am able to give you, so that you can make an informed and confident choice when engaging me. ## Details About Me and My Financial Advice Provider I am a Financial Adviser. I give advice on behalf of a Financial Advice Provider. My details are set out below. **Full Name:** Michael Lam **Address:** 19/2 Bishop Dunn Place, Flat Bush, Auckland, 2013, New Zealand **Phone:** 021 818 626 **Email:** mike@liftcapitals.com **FSPR Number:** 647269 My Financial Advice Provider below is authorised to operate under the licence held by Lift Capitals Limited **Name of Financial Advice Provider:** Lift Capitals Limited **Trading as:** Lift Capitals Ltd **FSPR Number:** 754351 **Phone:** 021818626 **Email:** mike@liftcapitals.com ## Licensing Information We operate under a current licence issued by the Financial Markets Authority in the name of: Lift Capitals Limited **FSPR Number:** 754351 --- ## Nature and Scope of Advice The information below will help you understand what type of advice will be provided. ### Our Duties I am bound by and support the duties set out in the Financial Markets Conduct Act 2013. These duties are: - Meet the standards of competence, knowledge, and skill set out in the code of conduct. - Give priority to the client's interests. - Exercise care, diligence, and skill. - Meet the standards of ethical behaviour, conduct, and client care set out in the code of conduct. ### Services I Provide I will help you choose a loan that is suitable for your purpose from a panel of lenders (see below). Once I have chosen a lender and loan terms that are suitable for you, I will help you to obtain an approval. ### Banks and Lenders I Use I source loans from a panel of approved lenders. The current lenders I can use are: - ANZ - ASB - Cressida - Heartland Bank - Pepper Money - SELECT - The Co-operative Bank - Basecorp Finance - Westpac - ASAP Finance Limited - DBR - Liberty Financial - RESIMAC - Southern Cross - BOC - CFML - BNZ - Avanti Finance - First Mortgage Trust - NZCU - SBS Bank - Sovereign - Zip Business ### Products I Provide The types of financial advice products I can give advice on are: - Home Loans - Investment Loans - Construction Loans ### What Else I Can Offer I can help you with other services through my referral partners - Tower - F&G - XE Money - Asset Finance - UK Pension Transfers I am unable to offer legal or tax advice and recommend you consult your solicitor or accountant for this. Any advice I give in relation to KiwiSaver withdrawal for a first home purchase is limited to factual information on what can be withdrawn and the process for this, and does not extend to whether or not this is in your best interests. Please consult an investment adviser for advice on retirement savings. --- ## Fees and Expenses Generally I won't charge you any fees for the financial advice I provide to you. This is possible because, on settlement of a loan, I usually receive commission from the lender. Any exceptions to this general position are explained below. ### I may charge you a one-off fee if the following occurs: **(a) When I don't receive commission from the lender:** If you request that I provide financial advice and I do not receive a commission from the lender, I may charge you a one-off fee. Any such fee would be agreed and authorised by you in writing before I complete the services, and would be based on an estimate of the time spent providing the advice. (This may arise in the rare event that you request that I provide services in relation to either a product that is offered by a lender that I do not hold an accreditation with, or a product that is outside my usual arrangements with my product providers). **(b) When I have to repay commission to the lender:** If a lender requires that I repay commission within 28 months of settlement of your loan, we may charge you a one-off fee. Any such fee would be no more than $2,500 (plus GST) and would be calculated based on a rate of $250 (plus GST) per hour of my time spent providing financial advice to you in connection with the applicable loan. The fee I charge you will not exceed the amount of commission I have to repay to the lender. You will be invoiced for any one-off fee and will be given 30 days to make payment. --- ## Conflicts of Interest ### Commission On settlement of a mortgage I usually receive commission from the applicable product provider. The commission is generally of an upfront nature but may also include a trail commission. I also receive a fixed rate roll over fee from some product providers if I assist in refixing your loan. We manage these conflicts of interest by: - Always recommending the best product for your purpose regardless of the type and amount of commission I will receive. - Ensuring the amount of any loan is in accordance with your identified needs. - Providing you with the below table showing commission rates and types by product provider The commission I receive on loans is calculated as a percentage of the loan. | Lender | Upfront% | Trail% | Refix ($) | |--------|----------|--------|-----------| | ANZ | 0.85% | 0.00% | $150.00 | | Westpac | 0.60% | 0.20% | $0.00 | | BNZ | 0.55% | 0.15% | $0.00 | | ASB | 0.85% | 0.00% | $150.00 | | ASAP Finance Limited | 0.80% | 0.00% | $0.00 | | Avanti Finance | 0.80% | 0.00% | $0.00 | | Cressida | 1.00% | 0.00% | $0.00 | | DBR | 1.00% | 0.00% | $0.00 | | First Mortgage Trust | 1.00% | 0.00% | $0.00 | | Heartland Bank | 1.50% | 0.00% | $0.00 | | Liberty Financial | 0.60% | 0.15% | $0.00 | | NZCU | 1.00% | 0.00% | $0.00 | | Pepper Money | 0.60% | 0.15% | $0.00 | | RESIMAC | 0.60% | 0.15% | $0.00 | | SBS Bank | 0.80% | 0.00% | $150.00 | | SELECT | 0.60% | 0.15% | $0.00 | | Southern Cross | 1.00% | 0.00% | $0.00 | | Sovereign | 0.60% | 0.20% | $0.00 | | The Co-operative Bank | 0.70% | 0.00% | $150.00 | | BOC | 0.88% | 0.00% | $0.00 | | Zip Business | 1.00% | 0.00% | $0.00 | | Basecorp Finance | 1.00% | 0.00% | $0.00 | | CFML | 1.50% | 0.00% | $0.00 | As soon as I know the type of loan and amount we are putting in place, and that it has been accepted by the lender, I will let you know the amount and frequency of the commission received. I can also receive a referral fee or commission if I refer you to our referral partners. --- ## Privacy Policy & Security I will collect personal information in accordance with my Privacy Policy. I regard client confidentiality as of paramount importance. I will not disclose any confidential information obtained from or about you to any other person, except in accordance with my Privacy Policy. The platform I use is secure and run on Amazon Web Services. --- ## Complaints Process If you have a complaint about my financial advice or service I gave you, you need to tell me about it. You can contact my internal complaints service by phoning, or emailing me using the heading Complaint - (Your Name). Please set out the nature of your complaint, and the resolution you are seeking. I will acknowledge receipt of this within 24 hours. I will then record your complaint in our Complaints Register and will work with you to resolve your complaint. I may want to meet with you to better understand your issues. I will provide an answer to you within 7 working days of receiving your complaint. If we cannot agree on a resolution you can refer your complaint to our external dispute resolution service. This service is independent and will cost you nothing and will assist us to resolve things with you. Details of this service are: **Insurance & Financial Services Ombudsman Scheme** **Email:** info@ifso.nz **Phone:** 0800 888 202 --- ## Availability of Information This information can be provided in hardcopy upon your request. --- ## https://financeadvisers.co.nz/api/provider/FSP755011/disclosure.md > _Markdown transcription of Mortgage Mart (nz) Limited's Public Disclosure Statement, version 2026-05-18. Source: https://www.mortgagemart.co.nz/Refer-files/MMART_FAP_DISCLOSURE_V1.7_2026-05.pdf._ --- # Financial Advice Provider Licence Disclosure ## Licence Information Mortgage Mart (NZ) Ltd, FSP755011, holds a licence issued by the Financial Markets Authority to provide a financial advice service. Mortgage Mart (NZ) Ltd employs Robert Thumath, FSP116885, as a Financial Adviser. ## Nature and Scope of the Financial Advice Provided Mortgage Mart (NZ) Ltd provides financial advice relating to the following financial products: - Lending — home loan and mortgage advice, personal and other loans - Personal risk — life, health and disability insurance, business protection products We do not currently employ any appropriately licensed advisers for KiwiSaver and other managed investment products, or for General Insurance (home, contents, and car), so we provide a referral-only service for these financial products. We provide financial advice about products from certain providers only, although this list can change from time to time: ### Mortgages and personal or car loans — we can provide products from: - ANZ - ASAP Property Finance - ASB - Asset Finance - Avanti Finance - Bank of China - Base Corp Finance - Bizcap - BNZ - First Mortgage Trust - Funding Partners - Heartland Bank (Open 4 Business and Senior Finance) - Kiwibank - Liberty Finance - Lock Finance - NBS - Pepper Money - Plus Finance - Prospa - SBS Bank - Southern Cross Partners - Spotcap - Unity (formerly NZCU Baywide) - Westpac - Other finance companies and private lenders from time to time as required. We can provide advice but no new loans with Challenger Mortgage Management. ### Life, Trauma, Disability, Income Protection and Health Insurance — we are accredited with: - AIA - CHUBB Life - Fidelity Life - PartnersLife ### KiwiSaver, superannuation and investment products: We currently have no licensed investment advisers, so provide a referral-only service for KiwiSaver and investment products provided by: - Generate KiwiSaver - NZ Funds KiwiSaver Scheme ### General Insurance (Home, Contents and Car): Mortgage Mart (NZ) Ltd provides a referral-only service; we do not provide general insurance advice. Our referral services are limited to: - Blanket Insurance, provided by The Hollard Insurance Company Pty Ltd (Hollard). Administration of this insurance and claims handling are managed by Ando Insurance Group Limited (Ando) on behalf of Hollard. Hollard is a licensed insurer in New Zealand under section 19 of the Insurance (Prudential Supervision) Act 2010. - Tower Insurance — we provide a referral-only service. - SHARE NZ — we provide a referral-only service. In place of an upfront fee, Mortgage Mart (NZ) Ltd is paid a commission by the recommended insurance provider from the premium they charge you for your cover. Mortgage Mart (NZ) Ltd does not receive any bonus or sales-based bonus payments from Blanket Insurance, Tower Insurance or SHARE NZ. ## Privacy Mortgage Mart (NZ) Ltd handles your personal information in accordance with the Privacy Act 2020, as amended by the Privacy Amendment Act 2025 (including Information Privacy Principle 3A, which took effect on 1 May 2026). IPP3A requires us to make you aware when we collect personal information about you from a source other than you — for example, from credit reporting agencies, banks, employers, accountants, identity-verification providers, KiwiSaver and insurance providers, real-estate agents and conveyancers, and any co-applicants, guarantors or referees you name. Our full Privacy Statement — explaining what we collect, how we use and share it, where it is stored, how we keep it safe (including breach-notification obligations under section 113 of the Privacy Act 2020), and your rights of access, correction and source enquiry — is available on our website, on request, and is provided to you at the start of our engagement. For any privacy-related question, contact us at privacy@mortgagemart.co.nz. ## Fees and Expenses In most cases Mortgage Mart (NZ) Ltd does not charge you a fee for our financial advice, as we are paid a commission by the relevant lender or insurer (see Conflicts of Interest, Commissions, and Incentives below). In some cases we may charge a fee — for example for non-standard advice work, or where commission is unlikely to apply. Any such fee will be disclosed to you in writing, and your written agreement obtained, before any charge is incurred. ### Clawback of commission. From time to time, a lender or insurer may require Mortgage Mart (NZ) Ltd to repay some or all of the commission previously paid — typically where a mortgage, loan or life-insurance product is repaid or cancelled within around 26 months of being put in place. This is a feature of lender and insurer commission arrangements and is outside our control. In such cases, you agree to reimburse Mortgage Mart (NZ) Ltd for the clawed-back amount, on provision of evidence of the loss. ## Duties Mortgage Mart (NZ) Ltd, our advisers, and anyone who gives advice on our behalf, are bound by legal duties to: - meet the legal standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (designed to make sure we have the expertise needed to provide you with advice); - give priority to the client's interests; - exercise care, diligence, and skill; and - meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (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. ## Conflicts of Interest, Commissions, and Incentives Our financial advisers are remunerated by way of salary and bonus, which are not directly linked to volumes of loans or insurance premiums. To avoid conflicts of interest arising from being paid only by implementing or placing business with financial product providers, a fee may be charged for actual financial advice — separate from implementation of mortgages, insurance or other products that may be paid by product providers. If we do implement one of these financial products, Mortgage Mart (NZ) Ltd may receive commissions from the managed investment scheme managers on whose products we provide referrals (or in which our clients invest), insurance companies to whom we refer clients, and banks with whom we arrange mortgages. These commissions are based on the amount of the sum invested, insurance premiums paid, or mortgage (as applicable). Details of these commissions are as follows: ### For home loans: Mortgage Mart (NZ) Ltd may receive a payment upon settlement of between 0.5% and 0.90% of loan amount, depending on the loan provider. Some lenders also provide an ongoing payment of up to 0.2% of outstanding loan amount annually for ongoing client service related to that loan. ### For KiwiSaver and Managed Funds: Mortgage Mart (NZ) Ltd receives referral commissions from New Zealand Funds Management Limited and from Generate KiwiSaver. Mortgage Mart (NZ) Ltd also receives an annual commission of up to 0.2% on amounts invested in the relevant KiwiSaver Scheme or other investment solution. ### For Life, Trauma, Disability, Income Protection and Health insurance: Mortgage Mart (NZ) Ltd is paid a commission based on annual premium of insurances purchased — with payment on insurance in place of about 170% to 215% of annual premiums, less GST and policy fee, plus a servicing commission of around 7% to 10% of annual premiums, paid as premiums are received after 13 months of being in place. ### For General Insurance: In place of an upfront fee, Mortgage Mart (NZ) Ltd is paid a referral commission by the recommended insurance provider from the premium they charge you, depending on which insurance company you take out cover with. If your cover is placed via Blanket Insurance, the commission will range from 7.5% to 12.5% of each premium, depending on which insurance products you take out cover with after taxes and levies. At times we will refer you to a specialist Commercial Insurance Broker. We will receive a one-off commission payment related to the annual premium of cover finalised. To ensure that Mortgage Mart (NZ) Ltd financial advisers prioritise each client's interests above their own, they follow an advice process that is designed to ensure their recommendations are made based on the client's circumstances and financial goals and are suitable for the client. Mortgage Mart (NZ) Ltd also: - has a quality assurance programme in place to monitor the advice our financial advisers provide; - actively monitors compliance with our conflicts policies and procedures; and - ensures training is provided to all Mortgage Mart (NZ) Ltd financial advisers about how to manage conflicts of interest. ## Reliability History A reliability event is something that might materially influence you in deciding whether to seek advice from me or from Mortgage Mart (NZ) Ltd. This includes material instances where I or Mortgage Mart (NZ) Ltd have been publicly disciplined, have a relevant conviction or civil proceedings, or any recent bankruptcies or insolvencies. Neither I nor Mortgage Mart (NZ) Ltd have been subject to a reliability event. ## Complaints Handling and Dispute Resolution Even with the best of intentions, complaints sometimes arise. Mortgage Mart (NZ) Ltd is committed to ensuring that all client complaints are handled and resolved in a professional, fair, and timely manner in accordance with our Client Complaints Policy and associated procedures. If you are not satisfied with our financial advice services, you can make a complaint by contacting us at: Mortgage Mart (NZ) Ltd Attention: The Director PO Box 498 Whakatāne 3158 T. 0800 222 999 E. info@mortgagemart.co.nz When we receive a complaint, we will consider it 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact the Financial Disputes Resolution Scheme at www.fdrs.org.nz — an approved dispute resolution scheme who provide a free, independent dispute resolution service that may help investigate or resolve your complaint. You can contact them by telephone on 0508 337 337 in the first instance. --- ## https://financeadvisers.co.nz/api/provider/FSP758111/disclosure.md > _Markdown transcription of Haven Financial Advisers Limited's Public Disclosure Statement, version 2026-05-24. Source: https://haven.co.nz/financial-disclosure/._ --- # Haven Financial Advisers Limited — Financial Disclosure Statement **FSP Number:** FSP758111 **Licence issued by:** Financial Markets Authority (FMA) Haven Financial Advisers Limited (Haven) is a Financial Advice Provider. You can find Haven listed on the Financial Service Providers Register at fsp-register.companiesoffice.govt.nz. --- ## Scope of Advice The conditions of Haven's licence allow it to provide the following financial advice services: - KiwiSaver - Personal Life Risk & Medical Insurance - General Insurance - Home Lending --- ## KiwiSaver & Related Managed Investment Products Haven provides **generalised advice** about KiwiSaver, limited to the 4 providers it has chosen to work with. Generalised advice is a non-personalised service that helps clients work out their risk profile and recommends a KiwiSaver fund that matches their tolerance for financial risk. Haven does not offer investment planning or retirement planning services. If you would like personalised advice about your KiwiSaver, Haven can refer you to an investment specialist. ### KiwiSaver Providers - Aurora Capital - Booster - Generate - NZ Funds ### Fees & Remuneration — KiwiSaver Haven does not charge any fees for providing general advice about KiwiSaver. Haven and/or directly related companies are paid by the providers, who may pay an upfront fee and a small amount of ongoing commission based on funds under management. ### Conflicts of Interest — KiwiSaver Haven Financial Advisers Limited and Aurora Capital Limited have a **shareholder in common**. Advisers are not directed to place business with a particular provider over another, nor do they have any performance incentives that would influence their judgement on the services they provide. Haven has an internal policy for managing conflicts. Should any actual or potential conflict of interest arise, your Haven Adviser will bring this to your attention so that you may factor it into your decision. --- ## Personal Life Risk & Medical Insurance Haven offers a **personalised advice process** that takes into account individual circumstances to determine the personal risk products that best meet personal goals and needs. Haven follows a documented advice process that uses the client's personal situation to work out what is important to them, what products they need, and how much cover should be in place. Haven then recommends the provider that offers the cover most suited to stated preferences. ### Personal Risk Insurance Providers - Accuro - AIA - Asteron - Chubb - Fidelity Life - Greenwich - NIB - Partners Life - Southern Cross Haven will only consider the providers listed above when recommending a product to meet personal risk insurance needs. ### Fees & Remuneration — Personal Life Risk & Medical Insurance Haven does not charge any upfront fees for risk advice services. Haven and/or directly related companies are paid **commission** by the provider of any product put in place on the back of a recommendation. If the full commission is not received from a provider, Haven may charge a **service fee**. This fee will always be disclosed upfront and client consent obtained before finalising coverage. --- ## Fire and General Insurance Haven works with clients to determine what risks they wish to cover and provides quotes based on the levels of cover requested. Haven will work with clients to identify any particular risks that need to be specified during the application process. ### General Insurance Providers - Blanket Insurance (underwritten by Ando Insurance) - AIG New Zealand - NM Insurance Agency - Protecsure - Allianz Australia Insurance Ltd (NZ Branch) - Ando Insurance Group - Chubb Insurance NZ Ltd - MECON Insurance Ltd - QBE Insurance (Australia) Ltd - Vero Liability Insurance Ltd - Classic Cover - Delta Property - Dual New Zealand Ltd - NZI (Including Lumley General Insurance) - Rosser - UAA - Vero Insurance New Zealand Ltd - Zurich Australian Insurance Ltd – New Zealand Branch ### Fees & Remuneration — General Insurance In place of an upfront fee, Haven and/or directly related companies are paid a **commission** by the recommended insurance provider, from the premium paid for any house, car or contents policy put in place. --- ## Home Lending Mortgage advice is provided to clients via **Haven Mortgage Advisers**. For further details, please refer to the **Haven Mortgage Advisers Limited Disclosure**. --- ## How We Manage Conflicts of Interest and Put Your Interest First All services Haven offers are provided free of charge to clients. Haven is paid by the providers when one of their products is taken up on the back of a recommendation. Although Haven is paid by providers, it always puts clients' interests first by: - Following a proven 6-step advice process that puts clients' needs at the heart of the advice process - Identifying and disclosing the maximum level of commission that may be received on the back of a recommendation - If a recommendation involves replacing cover, providing a comparison of covers and explaining what the recommended provider offers that existing cover does not, and noting anything the existing provider covers that the recommended provider will not - Providing all recommendations in writing with an explanation of how they are based on individual needs - Completing internal and external reviews of the advice process to ensure a thorough review process that puts client interest first --- ## Our Duties Under the Financial Markets Conduct Act 2013, Haven Financial Advisers Limited and its advisers must: - Meet the standards of competence, knowledge, and skill set out in the **Code of Professional Conduct for Financial Advice Services** (Code of Conduct) - Give priority to clients' interests by taking all reasonable steps to ensure that the advice given is not materially influenced by Haven's own interests or the interests of any other connected person - Exercise the care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would exercise in the same circumstances - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct --- ## Complaints & Dispute Resolution Haven values client feedback and the opportunity to put things right when a client is unhappy with any aspect of the service. ### Internal Complaints Process To make a complaint, please email: **feedback@haven.co.nz** Haven's internal process involves: 1. Requesting the complaint in writing 2. Acknowledging receipt of the complaint within **2 working days** of receiving it 3. Investigating concerns by speaking with all involved parties and reviewing all documentation on file 4. Providing a formal written response within **28 days** of acknowledging the concerns ### External Dispute Resolution If you are unsatisfied with the outcome of Haven's internal complaints process, you may escalate to Haven's dispute resolution scheme: **Scheme:** Financial Dispute Resolution Service **Address:** Freepost 231075 PO Box 2272 Wellington 6140 **Telephone:** 0800 337 337 **Email:** enquiries@fdrs.org.nz The Financial Dispute Resolution Service is an independent dispute resolution service provider that helps resolve complaints about financial service providers, **free of charge**. --- *Note: This disclosure references a separate sub-document — the **Haven Mortgage Advisers Limited Disclosure** — for home lending services. That document has not been reproduced here.* --- ## https://financeadvisers.co.nz/api/provider/FSP758931/disclosure.md > _Markdown transcription of Clemence Limited's Public Disclosure Statement, version 2026-05-24. Source: https://resure.co.nz/disclosure-information/._ --- # Disclosure Information — Resure Insurance Advisors --- ## Licensing Information Clemence Limited (FSP758931, trading as Resure) holds a licence issued by the Financial Markets Authority to provide financial advice. Vested Limited (FSP1003118) are also authorised under the licence held by Resure to provide advice. You can contact us at: **Phone:** 0800 232 238 or 027 819 7715 **Email:** jordan.clemence@resure.co.nz **Address:** 355 Selwyn Street, Addington, Christchurch 8024 or PO Box 341, Christchurch Central, Christchurch 8140 --- ## Nature and Scope of the Advice Resure and our advisers provide advice to our clients about their life insurance, health insurance, lending, and KiwiSaver schemes. We only provide financial advice about products from certain providers: - **Life and Disability Insurance** – AIA, AMP (now Resolution Life), Asteron Life, Chubb, Fidelity Life, NIB, Partners Life & Southern Cross. - **Health Insurance** – Accuro, AIA, NIB, Partners Life & Southern Cross. - **KiwiSaver** – ANZ, Aurora, Booster, Fisher Funds, Generate, Kernel, Milford, NZ Funds & Pathfinder. - **Loans and Mortgages** – ANZ, ASB, BNZ, Kiwibank, Westpac, ASB Go Home loans, SBS, ASAP Finance, Avanti, Basecorp, Co-Operative Bank, Cressida, DBR, FMT, Funding Partners, Heartland, Liberty, Unity, Pepper Money, Plus Finance, Prospa, Southern Cross Finance, Pallas Capital, Bizcap, CMFL, Finbase, Xceda, Vincent Capital, Simplify, XE, The Lending People, Go Lend, ScotPac, Welcome, Lendr, Fifo Capital, Line Capital. --- ## Fees or Expenses Resure does not charge fees, expenses or any other amount for any financial advice provided to its clients. --- ## Conflicts of Interest and Incentives Resure and our financial advisers receive commissions from the providers on whose products we give financial advice (insurers, lenders and KiwiSaver providers). If you decide to take out insurance, lending or a KiwiSaver Scheme, the provider will pay a commission to Resure and to your financial adviser. The amount of commission is based on the amount of the premium, lending 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. Resure monitors these registers and provides additional training where necessary. Resure 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 emailing jordan.clemence@resure.co.nz, or by calling: 027 819 7715. You can also write to us at: Resure, 355 Selwyn Street, Addington, Christchurch 8024 or PO Box 341, Christchurch Central, Christchurch 8140. 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 the **Financial Services Complaints Limited (FSCL)** scheme: **Address:** PO Box 5967, Wellington 6140, 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 Resure, 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). *This information is available in writing on request.* --- ## Ownership Disclosure Clemence Limited (FSP758931) trades as Resure. Vested Limited (FSP1003118) is authorised under the Resure licence to provide financial advice. --- > **Note:** No professional indemnity insurer or indemnity limit is stated on this disclosure page. No linked sub-documents were referenced. --- ## https://financeadvisers.co.nz/api/provider/FSP760331/disclosure.md > _Markdown transcription of Maxicare Financial Services Limited's Public Disclosure Statement, version 2026-05-18. Source: https://maxicarefs.co.nz/wp-content/uploads/2021/08/Disclosure-Statement-Public-Maxicare.pdf._ --- # DISCLOSURE STATEMENT Maxicare Financial Services Limited | | | |---|---| | Financial Advice Provider | Maxicare Financial Services Limited | | FSP Number | FSP 760331 | | Address | Solutions House, Unit A1, 59 Apollo Dr, Rosedale, AKL, 0630 | | Trading Name | Maxicare | | Phone Number | 09-414 4400 | | Mobile Number | 021 668799 | | Email Address | info@maxicarefs.co.nz | This disclosure statement was prepared on: 22 July 2025 ## Important Information about Maxicare Financial Services Ltd Maxicare Financial Services Ltd (FSP760331) holds a Financial Advice Provider Class 1 license issued by the Financial Markets Authority. You can view our licence status here https://fsp-register.companiesoffice.govt.nz or https://maxicarefs.co.nz/ ## Areas of Financial Services Maxicare Financial Services Limited is a licensed Financial Advice Provider. We can give you advice about: - Life Insurance - Disability Insurance - Key Person Protection Insurance - Shareholder protection Insurance - Travel Insurance - KiwiSaver - Personal Lending and Home Loans - Trauma Insurance - Health Insurance - Income Protection Insurance - Mortgage and Rental Cover - International Student Insurance - Group Scheme Insurance We have chosen to provide advice about products from selected providers: - AIA - Accuro - Booster - Fidelity Life - Pathfinder - Southern Cross Health - Milford Asset - Allianz - Asteron Life - Orbit Protect - Chubb - Generate - Nib - Partners Life - Southern Cross Travel - Prosper Group ## Our Duties to You Maxicare Financial Services Ltd, 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 isn't 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 (so that we have the expertise 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 (designed to make sure we treat you as we should). 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 https://www.fma.govt.nz. ## Fees and Expenses Maxicare Financial Services Limited typically do not charge a fee for the financial advice and assistance when there is reasonable scope to earn a commission. Maxicare Financial Services Ltd may charge a fee for the financial advice provided to a client where a client cancels an insurance policy within two years of inception. Whether a fee will be charged and the manner in which it will be charged will be advised if a Scope of Service is agreed. ## Conflict and Interest or 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 based on each client's goals and circumstances. All our financial advisers undergo training on how to manage conflicts of interest. For any gifts over $100 in value that Maxicare Financial Services Ltd may receive from financial product providers, our policy is to on-gift these to our clients (e.g. via a client prize draw). Maxicare Financial Services Ltd belongs to the MySolutions adviser group who provide professional development and other support services to Maxicare Financial Services Ltd. In return, Maxicare Financial Services Ltd may share commission with MySolutions. For referrals made to a managed funds provider, mortgage provider, investment planner, pet insurance provider or general insurance broker, Maxicare Financial Services can receive a 'referral fee' as either an upfront or ongoing payment. ## Reliability History Reliability history you should be aware of: There have been no professional indemnity insurance or negligence claims, disputes resolution actions, or disciplinary actions. ## Complaints and Dispute Resolution If you are not satisfied with our financial advice service in any way, you can make a complaint by: - Email: info@maxicarefs.co.nz - Calling us on: 09-414 4400 or 021 668799 - You can also write to us at: Solutions House, 59 Apollo Dr, Rosedale, Auckland, 0630 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, and will aim to provide you with a realistic timeframe. - 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact our external dispute resolutions scheme: Financial Disputes Resolution Service. The FDRS provides a free, independent dispute resolutions service that may help investigate or resolve your complaint, if we haven't been able to resolve your complaint to your satisfaction, you can contact Financial Disputes Resolution Service at: | | | |---|---| | Address | Freepost 231075, PO Box 2272, Wellington 6140 | | Phone Number | 0508 337 337 | | Email Address | enquiries@fdrs.org.nz | | Website | www.fdrs.org.nz | --- ## https://financeadvisers.co.nz/api/provider/FSP762693/disclosure.md > _Markdown transcription of Accord Insurance Brokers Limited's Public Disclosure Statement, version 2026-05-18. Source: http://www.accordbrokers.co.nz/important-information._ --- # LICENSING INFORMATION Accord Insurance Brokers Ltd (FSP762693, trading as Accord Brokers holds a license issued by the Financial Markets Authority to provide financial advice. # NATURE AND SCOPE OF THE ADVICE Accord Brokers provides advice to our clients about their investments, life insurance and health insurance. Our financial advisers provide financial advice. In relation to KiwiSaver, managed funds, We only provide financial advice about products from certain providers: - For life insurance, we work with four companies – AIA, Partners Life, Fidelity, Cigna, and AMP. - For health insurance, we work with four providers – ACCURRO, NIB, AIA and Partners Life. - For KiwiSaver we provide advice with three companies, Generate, Booster and Selectwealth (JMI Wealth). We use JMI wealth for a range of investment funds for medium to long-term investing along with Unit Trusts offered by Generate and Booster. # FEES OR EXPENSES Accord Brokers does not charge fees, expenses or any other amount for any financial advice provided to its clients. # CONFLICTS OF INTEREST AND INCENTIVES For life insurance and health insurance, Select Investments Accord Brokers receive commissions from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to Accord Brokers. The amount of the commission is based on the amount of the premium. 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 undertake a compliance audit, and a review of our compliance programme is undertaken annually by a reputable compliance adviser. # COMPLAINTS HANDLING AND DISPUTE RESOLUTION If you are not satisfied with our financial advice service you can make a complaint by emailing complaints@accordbrokers.co.nz, or by calling: 027 4464475. You can also write to us at: 8 Cherrywood Park, Springlands, Blenheim 7201. 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact FSCL Disputes Resolution Scheme. FSCL Disputes Resolution Scheme provides a free, independent dispute resolution service that may help investigate or resolve your complaint, if we haven't been able to resolve your complaint to your satisfaction. You can contact FSCL Disputes Resolution Scheme by emailing complaints@FSCLco.nz, or by calling: 0800 347 257. You can also write to them at: Level 16, 21 Queen Street, Auckland. # DUTIES INFORMATION Accord Brokers, 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 isn't 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 https://www.fma.govt.nz # CONTACT DETAILS **Accord Insurance Brokers Ltd** Phone: 04 4711-649 Phone: 03-5775-522 Mobile: 027-446-4475 Postal: PO Box 45 Wellington 6140 or 8 Cherrywood Park Springlands Blenheim 7201 Email: phil@accordbrokers.co.nz Website: www.accordbrokers.co.nz --- ## https://financeadvisers.co.nz/api/provider/FSP762831/disclosure.md > _Markdown transcription of Prosperity Advisors Limited's Public Disclosure Statement, version 2026-05-18. Source: https://www.prosperityfinance.co.nz/images/prosperity-finance-publicly-available-disclosure-aug-2025-yymwl.pdf._ --- # Prosperity Finance Publicly Available Disclosure This document sets out the information that our business is required to make publicly available in accordance with the Financial Markets Conduct Regulations 2014 to help you decide if you want to seek our advice. **Company Name:** Prosperity Advisors Limited trading as Prosperity Finance **FSP Number:** FSP762831 **Phone Number:** 09 930 8999 **Email:** support@profin.co.nz ## Licensing information We hold a Financial Advice Provider (FAP) licence issued by the Financial Markets Authority (FMA). There are no conditions attached to this licence on the advice that may be given. ## Our Duties Prosperity Advisors Limited, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 (431I, 431K, 431L and 431M). These duties are to: - Meet the standards of competence, knowledge, and skill and the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Providers. - Give priority to your interests. - Exercise care, diligence, and skill. ## Our Products and Product Providers We provide advice on loans, including mortgages, reverse mortgages, and NON-CCCFA loans. We provide advice about products from certain providers. ### Banks and Lenders we work with: - ANZ, ASB, BNZ, Westpac, Kiwibank, The Cooperative Bank, SBS, TSB, ASB Go Home Loans (AIA), Bank of China, China Construction Bank, ICBC. - ASAP Finance, Avanti, Basecorp, CMFL, Cressida Capital, DBR, Finbase, First Mortgage Trust, Funding Partners, General Finance, Heartland Bank, Liberty, Pepper Money, Prospa, Pallas Capital and Southern Cross Partners. ### Services we do not provide I do not provide financial advice services relating to: - Legal or estate planning (e.g. wills, trusts, contracts, etc.) - General Insurance advice - Personal Insurance advice - Investment products (e.g. shares, bonds, managed funds, KiwiSaver, etc.) You will need to consult an appropriate specialist if you would like advice on the above, and we can refer you to one of our trusted partners. ## Fees and Expenses Generally, we won't charge you any fees for the advice that we provide to you. This is possible because, if you act on the advice given, we usually receive commission from the applicable product provider on settlement of a mortgage. There are some exceptions to this general position which are explained below. We may charge you a one-off fee in the following situations: **a. No commission:** If you request that we provide services in relation to a product or service and we do not receive a commission. Any such fee would be agreed and authorized by you in writing before we complete the services and would be based on an estimate of the time spent providing the advice. This may arise in the rare event that you request that we provide Services in relation to either a product that is offered by a provider that we do not hold an accreditation with, or a product that is outside our usual arrangements with our product providers. **b. Repayment of commission:** If a product or service provider requires that were pay commission within 28 months of settlement of your mortgage. Any such fee would be no more than $3,000 (plus GST, if any) and would be calculated based on a rate of $250 (plus GST, if any) per hour of the financial adviser's time spent providing services to you in connection with the applicable mortgage or insurance. The fee charged will not exceed the amount of commission clawed back from the lender. **c. Fixed fee for non-proceeding loans:** We may charge a fixed fee of $1,000 for our services if you do not proceed with loan approval. This fee will be waived if: - The loan approval does not meet the needs you identified and confirmed at the time of submission, and we cannot obtain better approval to meet those needs; or - Your situation has changed, and you no longer need a loan. - We do not charge fee for renewing an existing loan approval. Should we need to charge you a fee, you will be invoiced and will be given 30 days to make payment. ## Commissions and other incentives If you proceed with a product on the basis of financial advice given by your adviser, the adviser, adviser business, and/or the licensee usually receives commission on settlement of a loan. We may also receive a commission payment or referral fee for business referred to other businesses. The types of payments that may be received include: - Up front commission (calculated as a percentage of the loan at drawdown). - Renewal or trail commission calculated as a percentage of the loan outstanding at the relevant time). - Fixed rate rollover fee (from some product providers if we assist in refixing your loan). - Referral fees. - Other incentives or rewards, for example gifts or tickets to events. Further information about the commissions and incentives that are relevant to the advice you may receive, including the maximum percentages used to calculate commissions, will be given to you by your Financial Adviser. This commission is used to remunerate the financial adviser that provides the advice, and to pay the expenses associated with running our business including any rent, staff costs and IT resources. From this commission we also pay Kiwi Adviser Network (KAN) for services they provide to us in connection with our lender accreditations. ## Conflicts of Interest We may attend events hosted by industry associations, product providers, and KAN, at which product providers discuss and provide information about their products. We manage this potential conflict of interest by ensuring we follow an advice process that ensures we prioritize your interests and recommend products that are suitable for you regardless of the information received at such events. We take steps to ensure that the conflicts of interest, including receipt of commissions or other incentives, do not influence the advice we give to you and that our advisers prioritize your interests by recommending the best product for your purpose regardless of the type and amount of commission we or they may receive. We do this by: - Ensuring our advisers follow an advice process that ensures they understand your needs and goals and that their recommendations meet those needs and goals. - Ensuring our advisers receive regular training on how to manage conflicts of interest. - Providing you with a schedule showing commission amounts and types by product provider. This schedule is contained within each Financial Adviser's personalized Disclosure Guide. A Financial Adviser will provide you with more information about commissions during the advice process. If there are any conflicts of interest apart from commission that could potentially influence the advice that we give, these will be shown in your Financial Adviser's Disclosure Guide. ## Complaints If you have a complaint about our service, you need to tell us about it. You can contact our internal complaints service by phoning us on 09 930 8999 or emailing us at complaints@profin.co.nz with the heading [Complaint - Your Name]. Please set out the nature of your complaint, and the resolution you are seeking. We will acknowledge receipt of this within 24 hours. We will then record your complaint in our Complaints Register and notify our Licence Holder. We may want to meet with you to better understand your issues. We will then investigate your complaint and provide a response to you within 7 working days of receiving your complaint. If we need more time to investigate your complaint, we'll let you know. If we cannot agree on a resolution you can refer your complaint to our external dispute resolution service. This service is free and independent and will assist you to resolve things with us. ### Details of external dispute resolution service: **Financial Services Complaints Limited (FSCL)** **Phone:** 0800 347 257 **Email:** complaints@fscl.org.nz --- ## https://financeadvisers.co.nz/api/provider/FSP765691/disclosure.md > _Markdown transcription of Personalised Mortgages Limited's Public Disclosure Statement, version 2026-05-24. Source: https://personalisedmortgages.co.nz/conflicts-of-interest-commissions-or-other-incentives/._ --- # Conflicts of Interest, Commissions or Other Incentives **Personalised Mortgages Limited** --- ## Commissions & Incentives If you proceed with a product on the basis of financial advice received from a Financial Adviser, the Adviser Business or the Financial Adviser usually receives a commission or incentive payment from the applicable product provider. The types of payments that may be received from product providers are as follows: - Upfront commission which is calculated as a percentage of the loan at drawdown (in the case of a loan). - Fixed rate rollover fees (in the case of refixing a loan). - Referral fees. - Other incentives or rewards, for example gifts or tickets to events. Further information about the commissions and incentives that are relevant to the advice you may receive, including the maximum percentages used to calculate the commissions, will be given to you by the Financial Adviser. The Adviser Business takes steps to ensure that the receipt of these types of payments does not influence the financial advice given and that its Financial Advisers prioritise your interests by recommending the best product for your purpose regardless of the type and amount of payment that may be received. The Adviser Business does this by: - Ensuring the Financial Advisers follow an advice process that ensures they understand your needs and goals and that their recommendations meet those needs and goals. - Ensuring the Financial Advisers receive regular training on how to manage conflicts of interest. - Providing you with a schedule showing maximum commission rates and types by product provider. This schedule is contained within each Financial Adviser's personalised Disclosure Guide. A Financial Adviser will also provide you with more information about commissions during the advice process. Personalised Mortgages Limited may also receive commission or incentive payments as follows: - A commission payment from the applicable insurer if an insurance application is accepted. - A referral payment from Tower Insurance if a client is referred for insurance needs. - A referral payment from XE Money or Prospa NZ if a client is referred for other financial needs. Terms of these payments are between Personalised Mortgages Limited and the applicable product provider. These payments do not influence the advice given to you as Personalised Mortgages Limited does not direct or influence Financial Advisers to recommend products from a particular insurer. Financial Advisers are required to recommend products by following the advice process described above. --- ## Other Conflicts of Interest The Financial Advisers engaged by the Adviser Business may attend, from time to time, events hosted by product providers or events hosted by NZ Financial Services Group, at which product providers discuss and provide information about their products. The Adviser Business manages the potential conflict of interest raised by attendance at these events by ensuring the Financial Advisers follow the advice process described above to ensure the Financial Adviser prioritises your interests by recommending the best product for your purpose regardless of the information received at events they've recently attended. If there are any other conflicts of interest that could potentially influence the financial advice that you will receive, these will be shown in each Financial Adviser's Disclosure Guide. --- *Related disclosure documents linked from this site:* - [Company Wide Disclosure](https://personalisedmortgages.co.nz/company-wide-disclosure/) - [Terms & Conditions](https://personalisedmortgages.co.nz/terms-conditions/) - [Privacy Policy](https://personalisedmortgages.co.nz/privacy-policy/) > **Note:** Each Financial Adviser's personalised Disclosure Guide contains further detail on maximum commission rates by product provider, and any additional conflicts of interest specific to that adviser. Those individual Disclosure Guides are referenced but not reproduced here. --- ## https://financeadvisers.co.nz/api/provider/FSP767731/disclosure.md > _Markdown transcription of Acnl Limited's Public Disclosure Statement, version 2026-05-24. Source: https://topm.co.nz/disclosure/._ --- # Public Disclosure ## Licensing Information **ACNL Limited (trading as Top Mortgage), FSPR Number: 767731** Top Mortgage is authorised to provide a financial advice service under a current financial advice provider licence issued by the Financial Markets Authority in the name of: ACNL Limited; FSPR Number: 767731. --- ## Nature and Scope of Advice The company offers a range of products including Home loan, Property Development loan, Business & Commercial loan, and Risk Insurance. --- ## Lenders We Work With We source loans from a panel of lenders. The current lenders we can use include: - ANZ - ASB - Avanti Finance - Bank of China - BNZ - Bizcap - China Construction Bank - Cressida Capital - DBR - Finebase - General Finance - Heartland Bank - Industrial and Commercial Bank of China - Kiwibank - Liberty Financial - Pallas Capital - Prospa - Resimac - SBS Bank - Southern Cross - The Co-operative - Unity Pepper Money - Westpac Bank - Xceda --- ## Personal Risk Insurance Providers We Work With - AIA - Asteron - Chubb - Nib - Partners Life --- ## Limitations on Advice In providing you with financial advice, we will only consider existing personal term life, trauma, income protection, and health insurance policies (if any). We do not provide advice on existing whole of life or endowment products – you will need to consult a specialist for those products. We are unable to take into consideration or provide advice on financial products issued outside of New Zealand. We are unable to offer legal or tax advice and recommend you consult your solicitor or accountant for that type of advice. --- ## Referral Partners We can help you with other services through our referral partners, including: - Tower F&G - Initio F&G - Avanti Referrer - Koura Wealth - XE Money **Important:** We are not able to give advice on the products these referral partners offer, and we have not checked to see if they can meet your specific needs. You are free to use other providers of your choice or undertake your own research. --- ## Fees and Expenses Generally, you will not be charged any fees for the financial advice we provide to you. We are paid through commissions and other payments we receive from the lenders you obtain financing from. We may charge you a one-off fee in the following circumstances: | Scenario | Description | |---|---| | No commission | If you request that we provide financial advice and we do not receive a commission from the lender, we may charge you a one-off fee. Any such fee would be agreed and authorized by you in writing before we complete the services, and would be based on an estimate of the time spent providing the advice. This may arise if you request services for a product offered by a lender we do not hold accreditation with, or a product outside our usual arrangements. | | Commission clawback | If you make certain changes to your loan within 28 months following drawdown, or to your insurance within 24 months following the commencement date, the lender or insurer can require us to repay the commission we received (up to 100% – called a "clawback"). If this occurs, we may charge you a one-off fee. | | Locked-in interest rate not proceeding | Where an interest rate is locked in on a new loan and you subsequently decide not to proceed with the loan, a service fee of $1,750 plus GST (if any) will apply. | | Second-tier lender arrangement fee | Where a loan is approved through a second-tier lender and you accept the lending offer (whether or not the loan is drawn down), a fee of at least 1% of the approved loan amount will apply. | --- ## Other Incentives 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. --- ## How We Manage Conflicts of Interest To ensure that our financial advisers prioritise your interests above their own: - We follow an advice process that ensures our recommendations are made on the basis of your individual goals and circumstances; - All our financial advisers undergo annual training on how to manage conflicts of interest; - We maintain registers of conflicts of interests, and the gifts and incentives we receive; - Top Mortgage monitors these registers and provides additional training where necessary; - We perform an annual review of our compliance programme. --- ## Complaints Handling and Dispute Resolution If you are not satisfied with our financial advice service you can contact our Managing Director to make a complaint: **Email:** annie@topm.co.nz **Phone:** 09 949 0099 **Post:** Unit D, 12 Amera Place, Huntington Park, Auckland 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 that 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact **Insurance & Financial Services Ombudsman Scheme Inc.** Insurance & Financial Services Ombudsman Scheme Inc. provides a free, independent dispute resolution service that may help investigate or resolve your complaint, if we haven't been able to resolve your complaint to your satisfaction. You can contact Insurance & Financial Services Ombudsman Scheme Inc. by emailing info@ifso.nz, or by calling: 0800 888 202 or +64 4 499 7612. You can also write to them at: PO Box 10-845, Wellington 6143, New Zealand. --- ## Duties Information Top Mortgage, 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. - Give priority to your interests by taking all reasonable steps to make sure our advice isn't 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). --- ## Availability of Information This information can be provided in hardcopy upon your request. --- ## https://financeadvisers.co.nz/api/provider/FSP767832/disclosure.md > _Markdown transcription of Rapson Loans & Finance Limited's Public Disclosure Statement, version 2026-05-24. Source: https://rapson.co.nz/important-information-about-us/._ --- # Important Information About Us **Rapson Loans & Finance Ltd** FSP767832 | Suite 7, 30 Willow Street, Tauranga 3112, New Zealand Phone: 07 577 1209 | Email: clients@rapson.co.nz | PO Box 348, Tauranga --- ## Our Company Rapson Loans & Finance (FSP767832, trading as Rapson Loans & Finance Ltd) is a Financial Advice Provider (FAP) with a Class 2 licence regulated by the Financial Markets Authority to provide financial advice. --- ## Scope of Advice We provide financial advice about Mortgages & Insurances provided by the following product providers: ### Bank Lenders - AIA - ANZ - ASB - Bank of China - BNZ - Heartland Bank - KiwiBank - SBS Bank - The Co-Operative Bank - TSB - Westpac ### Non-Bank Lenders - Abcom Finance - Apricity - ASAP Finance - Avanti Finance - Basecorp - Better Finance - Bizcap - Bridging Finance Group - Click Capital Loans - Cressida Capital - DBR Property Financiers - Fico Finance - First Mortgage Trust - Finbase - Fortis Capital - FundTap - Funding Partners – CFML loans - General Finance - Homesec - Joint Equity - Killarney Capital - Liberty Financial - Line Capital - Marac Finance - Merx Finance - Metro Finance - Midlands Funds - NZMS - NZCU - Pepper Money - Plus Finance - Property Funding - Prospa - Omega Capital - Oxford Finance - Resimac - Select Home Loans - Select Asset - Silver Harbour Capital - SOS - Southern Cross - Southern Cross Partners - Spiers Finance - Summit Capital - UDC - Unity Credit Union (formerly The Credit Union) - Xceda Finance - Zagga ### Insurers - AIA - Chubb Life - Fidelity Life - NIB - Partners Life ### Investments & KiwiSaver - Booster - Koura - NZ Funds - Generate --- ## Our Fees and Costs Rapson Loans & Finance Ltd can charge a fee for the financial advice that is provided to you. The fee charged will depend on the nature of the financial advice and service that we provide. - Our advisers can charge on an hourly charge; or - For lending, a percentage of the loan amount applied for. The exact fees we will charge will be confirmed at the time the advice is provided. All of our fees are payable within 7 business days from the date you receive the Invoice. --- ## Our Commissions **Mortgages:** Rapson Loans & Finance Ltd receive a commission from the lenders through which we place business. The amount of the commission we receive depends on the amount and the type of the lending. Typically, we receive an upfront initial commission of between 0.50%–3% of the lending amount. Some lenders provide ongoing commission between 0.15%–0.20% of the outstanding principal while the loan is in force with them. We will provide more specific details of these commissions once we have talked to you and understand your needs. **Insurances:** Rapson Loans & Finance Ltd are paid in the form of commission from the insurers through which we place business. The amount of the commission we receive depends on the Annual Premium. Typically we receive an upfront initial commission of between 140%–220% of the annual premium and an annual ongoing commission of between 5–10% for every year the policy is in force. We will provide more specific details of these commissions at the time our advice is given. **KiwiSaver & Investments:** Rapson Loans & Finance Ltd are paid in the form of ongoing commission from the provider through which we place business. The amount of the commission we receive depends on the value of the investments we place with them and the fund the investment is put into. The range is between 0.20–1.05%. We will provide more specific details of these commissions at the time our advice is given. **General Insurance Referral:** We refer our clients to Sweeny Townsend Insurance Brokers and Robert Huggins for all General Insurance Needs and in return, we receive a referral fee of 30% of the Total Commission paid to the Adviser on company premium only. For company premiums we receive: - Material damage, assets, loss of profits – 20–24% - Liabilities like builders' risk – 20% - Commercial vehicles – 10–12% commission --- ## Conflicts of Interest To ensure our advisers prioritise our clients' interests: - We follow an advice process that ensures our recommendations are made appropriately, based on clients' goals and circumstances. - All our 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. These registers are monitored regularly, and additional training is provided as required. --- ## Disciplinary History There has been no professional indemnity insurance or negligence claims, dispute resolution actions or disciplinary actions. --- ## Complaints If you are not satisfied with our service or financial advice, please tell us as soon as possible. **Contact us:** - Call: 07 577 1209 - Write to: PO Box 348, Tauranga 3110 **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 immediately, we will acknowledge your complaint within 2 business days. We may contact you to get further information about your complaint. - We aim to resolve complaints within 20 business days of receiving them. 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. ### External Disputes Resolution Scheme If we cannot agree on how to fix the issue, or if you decide not to use our internal complaints process, you can contact our external disputes resolution scheme: **Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service** FSCL has been approved by the Minister of Consumer Affairs under the Financial Service Providers (Registration and Dispute Resolution) Act 2008. FSCL provides a free and independent dispute resolution service that may help to resolve your complaint if we haven't been able to do so to your satisfaction. - Call: 0800 347 257 - Email: complaints@fscl.org.nz - Write to: FSCL, PO Box 5967, Wellington --- ## Our Duties and Obligations to You Rapson Loans & Finance Ltd and our advisers 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; - exercise care, diligence, and skill; - meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services; - meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services. --- ## Contact Us **Rapson Loans & Finance** (FSP767832, trading as Rapson Loans & Finance Ltd) is the Financial Advice Provider. - Call: 07 577 1209 - Email: clients@rapson.co.nz - Write to: PO Box 348, Tauranga --- *A downloadable PDF version of this disclosure ("Important Information About Us – August 2024") and the Privacy Policy are available on the Rapson website at [rapson.co.nz/important-information-about-us/](https://rapson.co.nz/important-information-about-us/).* --- ## https://financeadvisers.co.nz/api/provider/FSP768071/disclosure.md > _Markdown transcription of Jatz Limited's Public Disclosure Statement, version 2026-05-18. Source: https://leemason.co.nz/wp-content/uploads/2026/04/Public-Disclosure-Statement-Jatz-Ltd-May-2026.pdf._ --- # LICENSING INFORMATION Jatz Ltd trading as Lee Mason Mortgages & Insurance FSP 768071 holds a licence issued by the Financial Markets Authority to provide financial advice. Gian Botha FSP1011048 is authorised by that licence to provide financial advice. # CONTACT DETAILS Jatz Ltd trading as Lee Mason Mortgages & Insurance is the Financial Advice Provider. You can contact us at: Phone: 021 885528 Email: Lee@leemason.co.nz Address: 20 San Priamo Place, Paraparaumu Beach 5032 # NATURE AND SCOPE OF ADVICE Lee Mason Mortgages & Insurance advisers provide advice about: - Personal insurance (risk), including health insurance. - Business Risk Insurance (Key Person, Shareholder Protection benefits, Business Overheads/Expenses) - ACC advice - Mortgages and personal lending - Determining how much you can afford to borrow to purchase a property (within lenders affordability guidelines). - Selecting an appropriate lender and mortgage structure. - How to structure your repayments to pay off your mortgage sooner - Structuring and refixing your current lending. We provide advice in relation to the following lending products: - Mortgages - Personal Loans - Tops ups - Fixed rate rollovers - Debt consolidation - Business loans We provide advice in relation to the following insurance products: - Life insurance - Trauma insurance - Total and permanent disability insurance - Income Protection insurance - Mortgage and household expenses cover - Health/medical insurance - Group Insurance We provide advice in relation to products provided by the following companies: - ASB - ANZ - Westpac - BNZ - China Construction Bank - Bank of China - ICBC - SBS - Heartland Bank - The Cooperative Bank - TSB - Resimac - Peppermoney - First Mortgage Trust - Liberty - AIA - Avanti Finance - DBR Property Financiers - NZCU Baywide - General Finance - Cressida Capital - Apricity Finance - Basecorp Finance - ASAP Finance - NZCU South - Zip Business - Strata Funding - Prospa - Gold Band Finance - Zagga - Bluestone - Southern Cross Partners - Heartland Bank - XE - Western Union - Asteron Life - Fidelity Life - Partners Life - NIB - Accuro Health Insurance - Cigna - Southern Cross Life Insurance # FEES AND EXPENSES ## Mortgage and lending planning fee - Lee Mason Mortgages & Insurance advisers are usually remunerated by way of commission, by the providers of the loan products we recommend. On occasion, some providers may not pay a commission. In this situation, we will charge a fee for our advice. The fee payable will be a reflection of the time required to obtain a loan approval for you. Where a fee will be payable for the advice, your Jatz Ltd adviser will agree the amount of the fee with you prior to obtaining a lending approval. This fee can be added to your loan amount and will be paid to Lee Mason Mortgages & Insurance at the time your loan is advanced. - Where a Lee Mason Mortgages & Insurance adviser has obtained an approval from a lender who does pay commission, but you decide not to proceed with the loan, a fee of $150 per hour up to a maximum of $1,800 will be payable as remuneration for the time spent on getting an approval. This fee is payable within 7 days of you deciding not to proceed with an approval. ## Mortgage and lending service fee - Should you proceed with a loan implementation after advice from your Lee Mason Mortgages & Insurance adviser, and then repay or refinance your loan within two years of your loan being advanced, without giving your Lee Mason Mortgages & Insurance adviser the opportunity to assist you with a refinance, Jatz Ltd may charge you a fee of up to $2,500. ## Insurance Service Fee No fees are payable by you for insurance advice. However, Lee Mason Mortgages & Insurance may charge a fee for financial advice provided to a client if the client cancels a life or health insurance policy within two years of inception. Specific fee information will be advised when the advice is provided. This fee will be payable by the client by the 20th of the month after the policy is cancelled. # CONFLICTS OF INTEREST For life insurance and health insurance, Lee Mason Mortgages & Insurance and the financial adviser receive commissions from the insurance companies whose policies we can recommend. If you decide to take out insurance that we recommend, the insurer will pay a commission to Jatz Ltd and/or the adviser who provides your advice. The amount of the commission is based on the amount of premium associated with your cover; specific commissions will be advised to you when advice is provided. For mortgages and lending, Lee Mason Mortgages & Insurance and the financial adviser receive commissions from some of the lenders we can provide recommendations for. If you proceed to implement lending with the lender recommended to you, the lender will pay a commission to your financial adviser. The amount of the commission is based on the amount of the lending; specific remuneration will be advised to you when advice is provided. 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 the client's interests above their own, we follow an advice process that ensures our personalised recommendations are made on the basis of the client's goals and circumstances, as advised to us. Lee Mason Mortgages & Insurance financial advisers complete regular training, including how to manage conflicts of interest. Each adviser has a regular compliance review of their advice process and our compliance programme is reviewed annually by our external compliance adviser. # DISPUTES AND COMPLAINTS If you are not satisfied with our financial advice service you can make a complaint by emailing lee@leemason.co.nz, or by calling 021 885528. You can also write to us at: 20 San Priamo Place, Paraparaumu Beach 5032. When we receive a complaint, we will consider it using 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 cannot, 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 Ltd (FSCL). 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. You can contact FSCL by phone 0800 347 257 or email info@fscl.org.nz. # DUTIES INFORMATION Lee Mason Mortgages & Insurance, and anyone who gives financial advice on our behalf, has 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 (431K) - exercise care, diligence, and skill in providing you with advice (431L) - 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) (431I) - 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 https://www.fma.govt.nz. --- ## https://financeadvisers.co.nz/api/provider/FSP768375/disclosure.md > _Markdown transcription of Vega Protect Limited's Public Disclosure Statement, version 2026-05-24. Source: https://vegalend.co.nz/disclosure-statements._ --- # Vega — Disclosure Statements ## View our Disclosure Statements Here is some key information you need to know to help you understand what type of advice Vega is able to give you, so that you can make an informed and confident choice when engaging us. Please see the links below to download the relevant Disclosure Statement: - [Vega Auto & Personal Important Information](https://vegalend.co.nz/assets/Uploads/Disclosure-Documents/Vega-AutoPersonal-Important-Information.pdf) - [Vega Mortgages Disclosure Statement](https://vegalend.co.nz/assets/Uploads/Disclosure-Documents/DisclosureStatement_VM_3.1.pdf) - [Vega Protect Disclosure Statement](https://vegalend.co.nz/assets/Uploads/Disclosure-Documents/DisclosureStatement_VP_2.0.pdf) --- > **Note:** The disclosure content on this page consists primarily of links to separate PDF sub-documents. The full disclosure details (including scope of advice, fees, conflicts of interest, commissions, complaints process, dispute resolution scheme, professional indemnity insurance, product/provider panels, and ownership information) are contained within those linked PDF documents and have not been reproduced here. Please refer directly to the relevant PDF for complete disclosure information. --- ## https://financeadvisers.co.nz/api/provider/FSP768771/disclosure.md > _Markdown transcription of My Mortgage Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.mymortgage.co.nz/disclosure-statements/._ --- # My Mortgage Disclosure Statements ## Important Information About Us ### My Mortgage Disclosure Statements As Financial Advisors, we are required to give you all the information you need about us to make sure you can make great decisions about who you'd like to work with, how we work, what we're able to help you with and, if something should go wrong, how we can go about rectifying it for you. --- ## Individual Financial Adviser Disclosure Statements The following disclosure statements are available for download: - **Claire Williamson** — [Download PDF](/site_files/8755/upload_files/Disclosurestatement(financialadviser)-Claire.pdf) - **Greg Wallace** — [Download PDF](/site_files/8755/upload_files/DisclosureStatement-GregWallace-March2023.pdf) - **Adam Smith** — [Download PDF](/site_files/8755/upload_files/DisclosureStatement-AdamSmith.pdf) - **Amber Helm** — [Download PDF](/site_files/8755/upload_files/DisclosureStatement-AmberHelm.pdf) --- ## FAP (Financial Advice Provider) Disclosure Statement - **My Mortgage Limited** — [Download PDF](https://www.mymortgage.co.nz/site_files/8755/upload_files/Disclosure-MyMortgagelimited(2).pdf) --- ## Complaints To lodge a complaint: [Lodge a complaint online](https://mymortgage.gettrail.com/base/complaint?Id=711-10197) --- ## Contact - **Phone:** 0800 MY MORTGAGE (0800 696 678) - **Email:** advice@mymortgage.co.nz --- ## Privacy Policy - [Privacy Policy](/privacy-policy) - [Privacy Statement (PDF)](/site_files/8755/upload_files/Privacy_Policy_-_MM[1].pdf) --- > **Note:** This page links to individual adviser disclosure statement PDFs and a FAP-level disclosure statement PDF. Full disclosure content (including fees, commissions, conflicts of interest, professional indemnity insurance details, dispute resolution scheme, scope of advice, and provider/product panel lists) is contained within those linked documents, which were not available for conversion here. --- ## https://financeadvisers.co.nz/api/provider/FSP769518/disclosure.md > _Markdown transcription of Plaxo Mortgages Limited's Public Disclosure Statement, version 2026-05-24. Source: https://plaxoltd.co.nz/important-information/disclosure/._ --- # Plaxo Mortgages Limited — Public Disclosure Statement --- ## Licensing Information **Plaxo Mortgages Limited** (FSP769518), authorised to provide financial advice under **Finsure New Zealand Limited's** Financial Advice Provider licence (FSP1005389), regulated by the Financial Markets Authority (FMA). --- ## Nature and Scope of Our Advice We only provide financial advice in relation to mortgages and personal loans from the following lenders. We source loans from a panel of lenders. The current lenders we can use include: - ANZ - Westpac - BNZ - ASB - ASAP Finance Limited - Avanti Finance - Cressida Capital - DBR - KiwiBank - First Mortgage Trust - Heartland Bank - Liberty Financial Limited - Unity Credit Union - SBS Bank Select Home Loan - Southern Cross - The Co-operative Bank - Bank of China (New Zealand) Limited - China Construction Bank (New Zealand) Limited - Basecorp Finance - Zip Business - CFML - Xceda Finance - General Finance - Pallas Capital - Funding Partners --- ## Products We Can Help You With The types of financial advice products we can give advice on are: - Home Loans - Investment Loans - Refinance - Commercial Loans - Car Loans - Personal Loans - Business Loans - Equipment Loans - Construction Loans --- ## What Else We Can Offer We can help you with other services through our referral partners set out below: - SBS Wealth - Tower – F&G - Asset Finance --- ## Limitations of Our Advice We are unable to give you advice on the use of retirement funds to fund your home purchase. If you plan to use these funds as part of your purchase, we recommend that you seek advice from a Financial Adviser who specialises in investment planning. We also cannot offer legal or tax advice. It is important to understand your legal obligations when entering a proposed loan and the financial consequences imposed by the debt. If you have any doubts, you should obtain independent legal and tax advice before you enter into any finance contract. --- ## Reliability History Neither our advisers nor we have been subject to any reliability events. A reliability event is something that might materially influence you in deciding whether to seek advice from us. As an example, it would include certain legal proceedings or if we had been discharged from bankruptcy in the last four years. --- ## Fees, Expenses and Other Amounts Payable We do not normally charge fees for the financial advice we provide. However, in certain circumstances, we may need to charge a fee for our time. This fee is based on **$250 + GST per hour**. Some examples of where this fee might be charged: - If through our advice you require a loan from a lender who does not pay us a commission; or - If there are complexities with your loan application such as credit impairments (like past defaults) or if the loan is more complex in nature. We will always disclose this to you and obtain your agreement in advance. If a fee is charged it will be payable within **30 days** from the date you receive the invoice. Other instances where a fee may be charged: - If you obtain a loan through our advice and cancel it within **28 months**, we will charge you a cancellation fee equivalent to the commission the lender requires us to pay back. An indication of the cancellation fee amount is included in our disclosure information at the time we provide the advice to you. - In the event you receive a loan approval through our advice and guidance, and subsequently decide to proceed with the services of another lender or adviser, a fee will be charged to compensate for our time and the lost opportunity to earn a commission on the loan we facilitated. This fee may be up to **$3,000**, reflecting the professional services rendered and the potential commission that would have been earned had you completed the loan process with our assistance. Any fees relating to the loan application will be set out in your lender's letter of offer and are paid directly to the lender. You will need to pay fees to other parties involved in finalising your loan. This may include lawyers, valuers, building inspectors, etc. --- ## Conflict of Interest and Commissions We are paid in the form of commission from the lender if you take out a loan following our advice. The amount of the commission paid depends on the lender and product selected. Typically, we receive an **upfront commission between 0.40% and 0.90%** of the loan amount and an **annual ongoing (trail) commission** for every year the loan is in place. We will provide specific details of this commission at the time our advice is given. To ensure we prioritise our clients' interests, we follow an advice process that ensures our recommendations are made appropriately, based on your individual goals and circumstances. We complete annual training on how to manage conflicts of interest and are subjected to periodic compliance reviews. --- ## Complaint Handling and Dispute Resolution If you are not satisfied with our service or financial advice, please tell us as soon as possible. **Contact:** - **Name:** Yong Zhang - **Telephone:** [09 916 0116](tel:099160116) - **Email:** [York@plaxoltd.co.nz](mailto:York@plaxoltd.co.nz) - **Write to:** PO BOX 17163, Greenlane, Auckland, New Zealand **Our complaints process:** - When we receive a complaint, we will consider it 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 immediately, we will acknowledge it within **2 business days**. We may contact you to get further information. - We aim to resolve complaints within **10 working days** of receiving them. If we need more time to investigate, we will let you know when you can expect 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. **External Disputes Resolution Scheme:** If we cannot agree on how to fix the issue, you can contact our external disputes resolution scheme: **Financial Services Complaints Ltd (FSCL)** FSCL provides a free and independent dispute resolution service that may help to resolve your complaint. - **Call:** [0800 347 257](tel:0800347257) - **Email:** [complaints@fscl.org.nz](mailto:complaints@fscl.org.nz) - **Web:** [www.fscl.org.nz](http://www.fscl.org.nz) --- ## Duties Information Plaxo Mortgages and our advisers 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. - Exercise care, diligence, and skill. - Meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services. - Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services. --- ## Contact Details **Plaxo Mortgages Limited** | FSP769518 Authorised under the licence of Finsure NZ Ltd | FSP1005389 - **Call:** [09 916 0116](tel:099160116) - **Email:** [info@plaxoltd.co.nz](mailto:info@plaxoltd.co.nz) - **Write to:** Level 1, 638 Great South Road, Greenlane, Auckland, New Zealand --- ## https://financeadvisers.co.nz/api/provider/FSP770154/disclosure.md > _Markdown transcription of Alimova Finances Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.mikepero.co.nz/disclaimers/disclosure-statement._ --- # Financial Advice Service Disclosure Statement *This disclosure statement was prepared on 24 August 2022.* **It is important that you read this document** This information in this disclosure statement is important. It is intended to help you to find a financial advice provider that meets your needs. Mike Pero Mortgages Limited (FSP37033) ("Mike Pero Mortgages", "we", "us" and "our") holds a licence issued by the Financial Markets Authority to provide financial advice. --- ## Mike Pero Financial Advice Service Our financial advisers are either engaged by us directly or through one of the authorised bodies named on our financial advice provider licence, to provide financial advice on our behalf. The financial advice service our financial advisers provide is limited to the following types of insurance and loan products, however, only some of our financial advisers are authorised by us to provide financial advice on both insurance and loan products, and additionally, on risk insurance products. ### Financial Products | Category | Products | |---|---| | Insurance | Life Protection, Disablement, Trauma, Income Protection, Fire and General (e.g., House, Contents and Vehicle Insurance), Health and Medical | | Lending | Consumer credit contracts (including mortgages and personal loans). Commercial credit contracts (including commercial and investment loans). | --- ### Product Providers Our financial advisers only provide financial advice about the insurance and lending products of the following product providers: | Category | Providers | |---|---| | Insurance | AIA New Zealand Ltd, Fidelity Life Assurance Company Ltd, Mike Pero branded insurance policies issued by Aon New Zealand and Vero Insurance Limited, OnePath Life (NZ) Ltd, Partners Life Ltd, Asteron Life Ltd, NIB NZ Ltd, Southern Cross Healthcare Ltd, Cigna Life Ltd, AMP Services (NZ) Ltd | | Lending | AIA New Zealand Ltd, ANZ Bank New Zealand Ltd, ASAP Finance Ltd, ASB Bank Ltd, Avanti Finance Ltd, CBS, Bank of New Zealand Limited, Cressida Capital Investment Limited, DBR Ltd, Heartland Bank Limited, Liberty Financial Ltd, MBG Ltd, Nelson Building Society, Secure Funding Ltd, Mike Pero branded loan product (credit provided by Secure Funding Limited), Southern Cross Building Society, Southern Cross Finance Limited, SBS Ltd, Strata Funding Ltd, The Co-operative Bank Ltd, Westpac New Zealand Ltd, Sovereign Home Loans, Go Home Loans, Unity Credit Union. | --- ## Relevant Fees For the majority of transactions there is no cost to you for the term of the agreed engagement unless specifically negotiated in advance. However, a minority of the lenders may charge an upfront fee or brokerage fee to you and may pass some or all of this fee to us. Our financial advisers may also charge you a nominal fee for our services. Any fee required to be paid and how it is paid will also be disclosed to you in the Statement of Advice and Final Disclosure provided to you by our financial advisers. --- ## Relevant Interests, Relationships and Associations Mike Pero Mortgages, Mike Pero Real Estate Limited (MPRE), Secure Funding Limited and Liberty Financial Limited are owned by Mike Pero Group Limited and our financial advisers are also able to provide advice on Liberty Financial Limited and Secure Funding Limited lending products and Mike Pero branded insurance policies and loan products. Any potential for a conflict of interest to arise as a result of these interests and relationships is managed by ensuring that we do not provide any additional commission payment or other incentive to our financial advisers for placement of Liberty Financial Limited and Secure Funding Limited lending products or Mike Pero branded insurance policies and loan products. To ensure that our authorised bodies and 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 regular training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme is undertaken annually. --- ## Relevant Commission Payments or Incentives Mike Pero Mortgages may receive commission payments from the relevant product provider on whose products our financial advisers give financial advice, as follows: **For loan products:** Mike Pero Mortgages may receive commissions of between 0.1% and 1% of the value of the mortgage – the amount depends on which lender and which type of mortgage you choose. In addition, Mike Pero Mortgages may also receive a commission payment of between 0.1% and 1% of the remaining loan balance each year. Our financial advisers receive a proportion of these commissions. **For insurance products:** Mike Pero Mortgages may receive commissions of between 50% and 230% of the first year's premiums on your insurance policy – the amount depends on which insurance company and which insurance policy you choose. Mike Pero Mortgages may also receive a commission payment of between 1% and 30% of the premium for each year the insurance policy remains in force. Our financial advisers receive a proportion of these commissions. **For real estate services:** Our financial advisers may receive an incentive from us for business referrals with MPRE. --- ## Complaints Handling and Dispute Resolution If you have a problem, concern, or complaint about any part of our financial advice service, please tell our internal complaints team so that they can try to resolve the problem. You can reach the internal complaints team by contacting Mike Pero Mortgages Limited by telephone on **0800 500 123**, by email on **support@mikepero.co.nz** or in writing to Mike Pero Mortgages Limited, PO Box 4295, Shortland Street, Auckland 1140. We will consider your complaint following our internal complaints process and let you know how we may resolve it. We may need to ask you for more information. We will acknowledge your problem, concern or complaint within 48 hours of your initial email, letter or phone call being received. We aim to resolve complaints within 5, but no more than 21, working days from receiving them and will let you know if we need more time to consider your complaint. If we cannot agree on how to resolve the issue, you can contact **Financial Services Complaints Limited (FSCL)**. This service will cost you nothing, and will help us resolve any disagreements. **Contact FSCL:** - **Address:** PO Box 5967, Wellington 6140 - **Phone:** Call Free 0800 347 257, or 04 472 FSCL (04 472 3725) - **Email:** complaints@fscl.org.nz - **Website:** https://fscl.org.nz/about-us/complaints/complaint-form/ --- ## Duties Information Mike Pero Mortgages and anyone who gives financial advice on our behalf, has 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 isn't 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); and - 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 https://www.fma.govt.nz. --- ## Contact Details **Mike Pero Mortgages Limited (FSP 37033)** is the Financial Advice Provider. - **Address:** Level 2, 110 Customs Street West, Auckland, New Zealand - **Phone:** 0800 500 123 - **Email:** support@mikepero.co.nz --- *Note: The site footer references a separate sub-page for [Complaints Handling and Dispute Resolution](/disclaimers/complaint-handling-and-dispute-resolution) which may contain additional detail not reproduced here.* --- ## https://financeadvisers.co.nz/api/provider/FSP770973/disclosure.md > _Markdown transcription of Affiliated Insurance Brokers (waikato) Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.affiliated.nz/disclosure.html._ --- # Disclosure — Affiliated Insurance Brokers --- ## Licence Status and Conditions **Affiliated Insurance Brokers Limited, FSP34022**, and **Affiliated Insurance Brokers (Waikato) Limited, FSP770973**, **Affiliated Insurance Brokers (Auckland) Limited, FSP0006477**, **Affiliated Insurance Brokers (BOP) Limited, FSP1009854** (we, our) hold financial advice provider licences, issued by the Financial Markets Authority, to provide financial advice. It is a condition of our licence that we, together with any person giving advice on our behalf, can only provide advice on general insurance products. --- ## Nature and Scope of Financial Advice Service We engage financial advisers to provide financial advice on general insurance products on our behalf. These are policies that insure your personal or business assets or protect you or your business assets, liabilities and business income. We are not able to provide advice on personal income protection or investment policies but are able to refer you to associates who are licensed to provide advice on such products. We have access to most insurance markets in New Zealand (excluding direct Insurers) along with access to overseas markets as required. A list of the types of general insurance we can provide financial advice on and the product providers who provide such insurance products can be found at: - [Business Insurance](https://www.affiliated.nz/business-insurance.html) - [Personal Insurance](https://www.affiliated.nz/personal-insurance.html) --- ## Fees, Expenses or Other Amounts Payable Our remuneration is paid by the insurance providers that we place the insurance policy with on your behalf, by way of commission. However, we may charge a fee for the advice given to you and for implementing that advice. If a fee is to be charged it will be based on the amount of work and time required to provide and implement our advice and will be shown on our invoice to you, payable on payment of your premium. The amount of any fee will be discussed with you and disclosed either at the time we know the scope and nature of the advice required or when we provide our advice to you. --- ## Premium Funding Premium funding products enable you to pay the insurance premium over the term of your policy by instalments rather than as one amount. Premium funders charge interest, and they take a power of attorney over your insurance policy; this means they have the ability to cancel your insurance policy if you fail to pay an instalment. We have facilities with several premium funders and if you enter into such an arrangement the premium funder may pay us a commission as a percentage of the amount they fund. The % amount of this commission will be disclosed to you when we know the scope and nature of the advice required and whether you intend to utilise the services of a particular premium funder. Commission will be paid to us directly from the premium funder. We (or our shareholders) own **Chartwell Premium Funding Limited (CPF)** and **Chartwell Premium Funding (Waikato) Limited**, **Chartwell Premium Funding (Auckland) Limited** premium funding companies. One of these companies may fund your premium allowing you to spread the payments over the terms of your policy. --- ## Conflicts of Interest and Commissions or Other Incentives **Affiliated Insurance Brokers Limited, Affiliated Insurance Brokers (Waikato) Limited, Affiliated Insurance Brokers (Auckland) Limited** and **Affiliated Insurance Brokers (BOP) Limited** will receive commission from the insurance companies on whose policies we give advice. If you decide to take out a policy, the insurer will pay us commission based on the premium that you pay. We are a member of **Steadfast NZ Limited (Steadfast)**. Steadfast supplies technology platforms, management, marketing, professional, technical, and buying benefits and services to support us in providing our financial advice services. Steadfast has arrangements with insurance companies under which Steadfast receives a professional services fee of **up to 1.5% of the premium** paid for each policy arranged by us with those insurers. Steadfast may also receive a fee of **0.5%** of any amount a customer has funded through a premium funder. These payments are used to operate Steadfast. We will receive a proportion of the professional services fee paid to Steadfast, being **35% of that fee**. This will be paid to us by Steadfast at the end of each financial year. A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute, including in respect of liability. In this instance the adviser would clearly disclose the conflict of interest to the clients and would refer one of these clients to another of our financial advisers for further advice and assistance. We manage all conflicts of interest, ensuring our financial advisers prioritise your interests above their own, by following an advice process that ensures our recommendations are made on the basis of your needs and circumstances. All of our financial advisers complete training to understand and manage conflicts of interest. We maintain a register of conflicts of interests and any gifts and other incentives that we may receive. We review our compliance programme annually. --- ## Duties **Affiliated Insurance Brokers Limited, Affiliated Insurance Brokers (Waikato) Limited, Affiliated Insurance Brokers (Auckland) Limited** and **Affiliated Insurance Brokers (BOP) Limited**, and our financial advisers are bound by the following duties under the Financial Markets Conduct Act 2013 to: - Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and - Give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and - Exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice. --- ## Related Sub-Documents The following documents are referenced from the site and available at the URLs indicated: - [Privacy Policy](https://www.affiliated.nz/privacy-policy.html) - [Complaints & Dispute Resolution](https://www.affiliated.nz/complaints--dispute-resolution.html) - [Terms of Business – Wellington](https://www.affiliated.nz/terms-of-business-wellington.html) - [Terms of Business – Waikato](https://www.affiliated.nz/terms-of-business-waikato.html) - [Terms of Business – Auckland](https://www.affiliated.nz/terms-of-business-auckland.html) - [Terms of Business – Bay of Plenty](https://www.affiliated.nz/terms-of-business-bay-of-plenty.html) - [Chartwell Premium Funding Privacy Policy](https://www.affiliated.nz/chartwell-premium-funding-privacy-policy.html) --- ## https://financeadvisers.co.nz/api/provider/FSP771115/disclosure.md > _Markdown transcription of Kripa Financial Solutions Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.kripa.co.nz/disclosure-statement._ --- # Disclosure Statement ## Kripa Financial Solutions Limited **FSP Number: 771115** --- ## Our Licence Kripa Financial Solutions Limited (FSP 771115) holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice services in New Zealand. --- ## Contact Us | | | |---|---| | **Address** | 7 Culdaff Place, Mt Roskill, Auckland | | **Telephone** | 021 933592 | | **Email** | simi@kripa.co.nz / office@kripa.co.nz | We encourage you to read the information below carefully. It will help you understand our services and decide whether we are the right fit for your financial needs. --- ## Nature and Scope of Our Financial Advice Services ### What We Advise on We provide financial advice in two core areas: - **Debt management** including borrowing for personal and investment purposes - **Personal insurance** tailored cover to protect you and your family ### Products We Advise on **Loans and Lending Solutions** - Residential mortgages - Personal loans - Investment property lending - Other lending solutions **Personal and Group Insurance** - Life cover - Disability cover - Income protection - Trauma cover - Health cover --- ## Product Providers We May Recommend We work with a wide panel of lenders and insurers to find the right solution for you. ### Mortgages and Lending Solutions **Banks:** ANZ · BNZ · Westpac · ASB · Kiwibank · TSB · SBS · Co-operative Bank · Bank of China · China Construction Bank · Heartland Bank **Non-Bank and Specialist Lenders:** AIA Go Home Loans · ASAP Finance · Avanti Finance · Basecorp · Bizcap · Bluestone Home Loans · CFML · Cressida Capital · DBR Property Financiers · FIFO Capital Business Finance · Finbase · First Mortgage Trust · Funding Partners · Go Lend · ICBC · Lendr · Liberty · Line Capital · NBS · Pallas Capital · Pepper Money · Plus Finance · Prospa · Resimac · Scotpac Business Finance · Southern Cross Partners · Unity · Vincent Capital · Welcome · Xceda ### Insurance AIA · Fidelity Life · Partners Life · Chubb Life · nib --- ## Our Fees ### General Principle In the majority of cases, we do not charge you any fee for the financial advice we provide or for implementing that advice. Our remuneration is paid directly by product providers in the form of commission. --- ### Fee Details of Mortgage and Lending Our aim is to make arranging your loan as simple, transparent, and stress-free as possible. In most situations, there is no fee to you when your loan proceeds with a lender who pays us a commission. However, a fee may apply in the following circumstances: **When a lender does not pay commission:** If a lender does not pay commission for your loan, we may charge a one-off fee for the work completed on your behalf. This will always be discussed and agreed with you in advance. **Early Repayment or Refinance:** If your mortgage is repaid in part or in full within 36–48 months of drawdown, the lender may recover (claw back) some or all of the commission originally paid to us. In such cases, the clawback amount is transferred to the client. If you refinance with another adviser, broker, or directly with a bank during this period, Kripa Financial Solutions may charge a one-off fee based on an hourly rate of **$250 (incl. GST)**, calculated on an average of 10 hours of advice and administration. **Second-Tier Lenders:** Where your loan is approved through a second-tier lender, a fee of **1%–2% of your loan amount** may be added to your loan and paid by you. **Pre-Approval or Approval Not Proceeding:** If we secure a pre-approval or formal approval for you and you choose not to proceed, or you take the approval to another adviser, broker, or bank while still engaged with us, a fee may apply. This fee is based on an average of **10 hours of advice, negotiation, and administration at $250 per hour (incl. GST)**. --- ### Fee Details of Insurance In almost all situations, we do not charge any one-off fees for insurance advice. A fee may apply in the following rare circumstances: **Policy cancellation or significant change within the first two years:** If you cancel or significantly alter your insurance policy within two years of it being issued, the insurer may require us to repay some or all of the commission originally paid to us (known as a clawback). If this occurs, we may charge a fee for the work completed in advising on and implementing your cover. This fee is based on **up to 10 hours of work at $250 per hour plus GST**, payable within seven days of invoice by direct credit to our company account. We will always confirm the exact amount with you in advance. **Advice not proceeded with:** A similar fee may apply if we present our recommendations and you choose not to proceed with any products or services through us, for reasons we consider unreasonable. This fee is calculated at the same hourly rate and reflects the time, expertise, and administration involved in preparing your advice. *To date, we have not needed to charge either of these fees.* --- ### Payment Terms - Invoices are due within **7 days** of being issued - Full payment instructions will be provided clearly on your invoice - Payment plans are available on request if you require additional flexibility --- ## Commissions For mortgage, insurance, and investment products, we may receive commission from product providers as follows: ### Initial Commission We receive commission from lenders and providers for mortgages, risk insurance, and other loan products. - **Mortgages** — Commission ranges from **0.55% to 0.9%** of the loan amount. We are happy to share a detailed commission schedule on request. - **Insurance** — Commission is a percentage of your annual insurance premium. Our advisers are remunerated either by salary or by drawings from Kripa Financial Solutions Limited. ### Ongoing Commission **Lending:** We may receive an ongoing commission of **0% to 0.20%** of the outstanding loan amount, calculated at the end of each month. Where we assist you in refixing your interest rate, some lenders may pay a fee of **$150.00**. **Insurance:** Ongoing commission structures for insurance products are as follows: | Product | Upfront Commission | Trail Commission | |---|---|---| | Life, Trauma, Permanent Disability, Income Protection | 160% – 240% | 5% – 17.5% | | Health Insurance | 130% – 150% | 0% – 15% | Upfront and trail commission structures can be adjusted as a lower upfront commission may result in a higher trail commission. ### KiwiSaver Referrals We may refer you to Generate KiwiSaver and Generate Managed Funds. If you choose to invest with Generate following our referral, we will receive an ongoing commission of **0.125% of your account balance**. This fee is paid to us by Generate from the revenue they receive from the fees you pay. We are disclosing this in the interest of full transparency. --- ## Conflicts of Interest and Other Incentives We are committed to acting in your best interests at all times. Whilst we maintain professional relationships with product providers, your interests always come first. From time to time, product providers may assist with funding for adviser conferences and professional development training. ### How We Manage Conflicts of Interest We take a structured approach to ensuring our advisers always prioritise your interests: - We follow a consistent advice process ensuring all recommendations are based on your goals and individual circumstances - All advisers complete annual training on identifying and managing conflicts of interest - We maintain registers of conflicts of interest and any gifts or incentives received, which are reviewed regularly - We conduct an annual independent Compliance Assurance Review --- ## Our Duties and Obligations to You We are bound by the duties set out in the Financial Markets Conduct Act (sections 431I, 431K, 431L, and 431M). These require us to: - Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct - Give priority to your interests as a client - Exercise care, diligence, and skill in all advice provided - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct --- ## Our Advisers | Adviser | FSP Number | |---|---| | Simi Sethu | FSP 771114 | | Krishnapriya Yadav | FSP 770719 | | Anu Muraleedharan | FSP 1010133 | | Mentee Advisers | FSP Number | |---|---| | Nimisha Thomas | FSP 1009341 | | Jose Rozario Aldrin | FSP 1011453 | --- ## Complaints ### Internal Complaints Process If you have a concern or complaint about any aspect of our advice or service, we encourage you to contact us directly so we can work to resolve it promptly. **Internal Complaints Manager:** Sethu Arjunan | 📧 sethu@kripa.co.nz | 📞 021 0240 5212 We will acknowledge your complaint within **24 hours**. Our process is as follows: - We will investigate your complaint by reviewing all information you have provided - We may contact you for additional details where necessary - We aim to resolve all complaints within **40 days** of receipt - Our proposed resolution will be communicated to you in writing ### External Complaints Process If we are unable to resolve your complaint to your satisfaction, or if you prefer not to use our internal process, you may refer your complaint to our external disputes resolution scheme at no cost to you. **Financial Services Complaints Ltd (FSCL)** | | | |---|---| | **Email** | complaints@fscl.org.nz | | **Website** | [www.fscl.org.nz](http://www.fscl.org.nz) | | **Freephone** | 0800 347 257 | | **International** | +64 4 472 3725 | | **Address** | Level 4, 101 Lambton Quay, Wellington 6011 | | **Postal Address** | PO Box 5967, Wellington 6140 | --- *Kripa Financial Solutions Limited · 7 Culdaff Place, Mt Roskill, Auckland · FSP 771115* *Licensed by the Financial Markets Authority to provide financial advice services.* --- ## https://financeadvisers.co.nz/api/provider/FSP771185/disclosure.md > _Markdown transcription of The Burns Group Limited's Public Disclosure Statement, version 2026-05-18. Source: http://www.burnsgroup.co.nz//pdfs/disclosure_agreement.pdf._ --- # The Burns Group Limited Client Agreement & Financial Advice Provider (FAP) Disclosure This Client Agreement ('Agreement') & Disclosure sets out the services that we will provide to you, including any important information you should know before deciding to obtain financial advice from us. ## About your Financial Advice Provider The Burns Group Ltd (FSP771185), holds a class 1 licence issued by the Financial Markets Authority (FMA) to provide financial advice. The Burns Group Ltd (FSP771185) is authorised by that licence to provide financial advice. At The Burns Group our purpose is to "make it comfortable for clients to make informed decisions that feel right to them" (including their decision to retain the status quo). We are here to help you understand your personal risk management and commercial funding needs by providing valuable advice to ensure you get the right type of funding (e.g insurable personal / life risks cover and commercial finance) for the best value for money. ## About your Financial Adviser I (Paul Joseph Burns) am a Financial Adviser (FSP#119885) and am giving advice on behalf of The Burns Group Ltd. My details are as follows: | Name: | Paul Joseph Burns | Email: | paul@burnsgroup.co.nz | |---|---|---|---| | Telephone: | 027 2300151 | Business Address: | Level 1 433 Hutt Road Lower Hutt | Neither The Burns Group Ltd nor I have been subject to a reliability event. A reliability event is something that might materially influence you in deciding whether to seek advice from me or from The Burns Group Ltd. As an example, it would include legal proceedings against me, or if I had been discharged from bankruptcy in the last four (4) years. ## Nature and Scope of My Advice I am able to provide you with financial advice relating to your Personal (and Business) Insurances and commercial funding. We are able to provide financial advice from the following product providers: | Life, trauma and disability insurances | Asteron Life, Chubb Life, Fidelity Life, NIB and Partners Life | |---|---| | Health Insurances | NIB and Partners Life | I do not provide advice on either… - Mortgage or lending options. - Property or liability Insurance. - Investments (e.g Kiwisaver). ## My commitment to you As your Financial Adviser, I have a number of obligations that I must comply with. These include adhering to a Code of Professional Conduct for Financial Advice Services, legal duties prescribed by law and a requirement to meet certain standards of competence, knowledge and skill. In addition to the above, I will undertake the following on a *mutual good faith* basis: - Act in your best interests when providing financial advice. - Ensure that the financial advice is suitable for you. - Help you understand the advice process and any complex terminology. - Exercise care, diligence and skill in providing you with a financial adviser service. - Provide my financial advice in writing. - Maintain accurate records and keep them safe and secure. - Provide my services in a timely manner. - Respect (and abide by) what you decide to do - in regards to your financial decisions. Therefore we'll gladly assist you to safely facilitate your decisions – to ensure your desired intentions are realised. - Keep your personal information confidential and restricted to only the parties who require it as part of the application process. ## Your obligations - It is important that you provide accurate and timely information. - Cooperate with me (and your selected financial institution). - Do your best to honour agreements, keep appointments and follow through on actions that you've agreed to. - Keep the lines of communication open and advise me (as soon as possible) if you've any difficulty with complying with commitments. - Advise The Burns Group Limited of your decisions. - You have a **duty of disclosure** to advise of any significant matters or changes that the insurance company should be made aware of before making their decision. ## Timeframes You will need to allocate approximately 30 minutes to 90 minutes for our first financial advice meeting. Several meetings may be required for the entire application and advice process to be completed. I'll contact you from time to time to see if your circumstances have changed or if I can be of any further assistance to you. I encourage you to contact me if your situation changes or if you require any changes. ## How I am paid for my advice As I (Paul Burns) am a salaried employee of The Burns Group Ltd, I personally receive no commission. I can assist you in 1 or more of the following ways. Associated hourly service fee (unless otherwise stated) is $250 (+gst) (or discounted fee of $150 +gst – if you've been referred by a 3rd party). NB… 100% of the following service fees will be completely waived if The Burns Group Ltd is paid a commission - on any insurance cover that is issued within 120 days of 1st engaging The Burns Group Limited to undertake any of the following services. 1. **Review Service of existing cover or situation** to determine fit for purpose. I.e Backward looking focus. E.g see if you're paying too much or if your current cover may not perform as anticipated at claim time. May also suggest more appropriate options and alternatives. Fee for service is usually based on 2 – 6 hours work. 2. **Strategy Planning Service**, to help protect your situation against the financial threats posed by the risks in your life. Forward looking focus. Fee for service is usually based on 4 – 12 hours work. 3. **Finding and brokering an insurance solution Service** - & helping you put it in place. Project management of your insurance application. Liaising on your behalf with all parties (e.g Doctor, insurer/s and accountant etc) to get your cover issued. Fee for service is usually based on 8 – 16 hours work. Instead of charging you a fee, my preference is to be paid a success fee (commission – paid by your insurer) at no charge, on the basis that your insurance cover is issued within 100 days of being applied for. Otherwise you'll be charged for a maximum of 10 hours. 4. **Claims Advocacy Service** – Assisting with and negotiating claims on your behalf. No charge – in relation for claims advocacy service of any policy - that The Burns Group Limited is the designated servicing broker for. Otherwise (for other policies) you'll only be charged a success fee. I.e if the claim is either approved or is declined solely because of client non-disclosure. Success fee is either a maximum of 10 hours (at $250 / hour +GST) or 2.5% of the claims proceeds (whichever is the greater). ## Insurance Commissions Clawback Contingency Fee. The Burns Group Limited may receive commission of between 0% & 250% of the first year's premiums of your policy (or any increase of premium in the 1st year), depending upon which insurance company and which policy you choose. **Please Note...** If you either cancel or reduce any insurance contract (or any increase in premiums) during the 1-24 months, The Burns Group may have to repay commissions to an insurer. Generally, if premiums are reduced or cancelled in the 1st 6 months, then the commission debt is 100% (of commissions). A sliding scale (from 99% to 0%) of commission debt applies over the following 18 months. **To offset this liability the client will then be liable** for a "**consulting fee**" (which may be tax deductible) - to *partially* indemnify The Burns Group Ltd's commission debt. This fee will be… a. $2,500 + GST (as a contribution towards the costs involved in consulting, arranging insurance and servicing the policy), or less as we would not ever charge you more than the amount of commission repaid to the insurer. **I therefore strongly urge you to contact me as soon as you consider the notion of cancelling or reducing your policy, because I'd like to help you make an informed decision that feels right to you.** ## How I am paid for my ongoing services ### Insurance Commissions The Burns Group also receives a commission of between 0% and 35% (depending on the level of 1st year's commission) of the premium for each year the policy remains in force. This entitles you to contact us and receive personal service (e.g arranging policy changes, providing ongoing advice, answer questions and provide full assistance and advocacy for you at claim time). ## Fees and Expenses Unless advised and agreed to (at the outset of any work or advice) you are not liable for any other fees. Any fees relating to any insurance application (e.g blood tests, medical exams or reports from your Doctors) will be paid for by insurers. In certain circumstances I may need to charge a fee for our time, but this will be discussed and agreed with you beforehand. More specific detail on this will be included with my written recommendations. ## How I manage any conflicts of interest I have an obligation to act in the best interests of clients when making a recommendation. Should any actual or potential conflicts of interest arise during the advice process, I undertake to bring any such conflict of interest to your attention so that you may assess my advice objectively. At present, I have identified the following conflicts of interest: ### Product Provider Commission: - If you accept and act on my advice, The Burns Group Ltd will receive a commission. Conversely, if you do not accept and act upon my advice, we will not receive a commission. To ensure that I prioritise your interests above my own, I follow an advice process that ensures my recommendations are made on the basis of your individual goals and circumstances. I complete ongoing training about how to appropriately manage conflicts of interest. The Burns Group Ltd undertakes a periodic compliance review of my advice process. *The Burns Group Ltd also engages an independent compliance consultancy firm to conduct ongoing independent compliance reviews and audits.* ## Complaints ------ What should you do if you are unhappy with something? If you have a problem, concern, or complaint about any part of our service, please tell us so that we can try to fix the problem. The Burns Group Limited has an internal complaints process and we undertake to investigate your concerns promptly and fairly. If you have a problem, concern, or complaint about any part of our service or your product performance, please contact The Chief Complaints Officer; The Burns Group Limited in the first instance so that we may try to fix the problem. Email paul@burnsgroup.co.nz - phone 04-5668888 or by post to PO Box 31-661 Lower Hutt. If your complaint cannot be satisfactorily resolved this way, it then becomes a dispute. The Dispute Resolution process (at no charge to you) is: 1. In the event of a dispute you must notify us that the complaint is not resolved and is now a dispute. 2. We will confirm in writing our internal complaints process, likely timeframes, and our Disputes Resolution Scheme which you can access at any stage should you choose to. 3. Should we fail to handle the problem to your satisfaction within a reasonable time frame then the product providers themselves have internal complaints handling processes which you might wish to also access. This means that if we have used a particular product that is connected to the issue at Dispute, you can contact the company that issued that product and have them attempt to resolve the matter as well. 4. If these options fail to resolve the Dispute to your satisfaction, then you may take the matter to the Financial Dispute Resolution Services, of which we are a member. We are bound by the outcome of that process. You can choose to be bound by the outcome but you can also choose to be free to pursue other legal avenues if you wish. Their service will cost you nothing as we pay for it, and it can help us resolve any disagreements. You can contact: Financial Dispute Resolution Services email: info@fdrs.org.nz / Telephone: (Call Free) 0508 337 337 / Physical Address: Level 4 142 Lambton Quay Wellington / Postal Address: PO Box 2272 Wellington 6140. We are bound by the outcome of that process. You can choose to be bound by the outcome, but you can also choose to be free to pursue other legal avenues if you wish. ## Termination This Agreement will remain in place until it is terminated by either party giving the other at least thirty (30) days' written notice. ## How we collect, use and share your information The Burns Group Ltd complies with the Privacy Act 2020. In order to assemble your application and determine your eligibility for a personal insurance product, I will require certain personal and financial information from you. The information will be made available to your Financial Adviser, product provider, and any other necessary third parties. At times, I may be allowed or otherwise obliged to disclose your personal information by law (e.g., under Court Orders or Statutory Notices pursuant to taxation laws). I may also disclose personal or business information to other financial institutions and organisations at their request if you seek to obtain products and/or services from them. Personal and business information may also be disclosed to: - Professionals such as solicitors, accountants, insurance advisers and/or valuers when a referral is made at your request. - If we intend to sell our Financial Adviser business, to any prospective purchaser of my business. - The Financial Markets Authority, disputes resolution scheme and/or independent compliance reviewer as required for monitoring or compliance purposes. From time to time, this information may be updated and/or changed. I undertake to advise you of material changes to any of the items or products/services noted above via email and/or via post. ## Special requirements or limitations that we have agreed ..................................................................................................................................................................................................................................................... ..................................................................................................................................................................................................................................................... ## Client Acknowledgements **Compliance or regulatory bodies may require evidence that I have explained specific requirements or obligations and provided certain information to you. Can you please acknowledge by signing below that these requirements have taken place?** ### Provision of Information I / We acknowledge the advantages of undertaking a full suitability (needs) analysis and the need to provide relevant personal and financial information and by not doing so I / we risk receiving advice or product recommendations that may not be appropriate to my / our needs. ### Privacy Act I / We acknowledge I / we have read and understood the information relating to the Privacy Act 2020 and how this information may be used. ### Adviser Remuneration I / We acknowledge I / we have had the basis of adviser remuneration explained. ### Client confirmation I / We confirm and declare to the Financial Adviser and any other information recipients that: - The information provided for the financial advice will be true and correct. - That where the Financial Adviser has assisted me/us to complete an application form, that I/we have authorised this and will check that the information contained in the application is true and correct. - I/We understand that our Financial Advice Provider is required to keep our information for a minimum of seven (7) years after our engagement has completed. - That in the event, of any of the contingencies (as outlined in this agreement), I/we agree to pay any such fees (as detailed) within 30 days of invoice. - I/we can cancel this agreement by giving notice to The Burns Group Ltd within five working days after being given the contract. | Client 1 name | | |---|---| | Client 1 Signature | Date | / | | Client 2 name | | | Client 2 Signature | Date | / | ## Adviser Acknowledgement I confirm that we have covered the information in this Client Agreement and I have answered any questions to help ensure that our client understands the financial advice process. | Adviser Signature | Date | / | If you sign this Client Agreement a copy will be provided to you. --- ## https://financeadvisers.co.nz/api/provider/FSP772011/disclosure.md > _Markdown transcription of Lockton Companies Nz Limited Partnership's Public Disclosure Statement, version 2026-05-23. Source: https://lockbox.lockton.com/m/8a294545424a979/original/TOBA-NZ-August-2025.pdf._ --- # Lockton Companies NZ Limited Partnership - Terms of Business Agreement & Financial Advice Disclosure ## INTRODUCTION Lockton Companies NZ Limited Partnership (LCNZ) is an insurance intermediary authorised to provide financial services and advice in New Zealand by the Financial Markets Authority (FMA). LCNZ holds a Financial Advice Provider licence (FSP 772011) authorising it to provide insurance and risk management advice to clients in general, employee benefits and life/health insurance products to wholesale and retail clients, acting as our client's agent. Furthermore, LCNZ is licenced by the Financial Supervisory Commission in the Cook Islands (IB02/2021) to carry on all classes of insurance business, pursuant to the Insurance Act 2008. Lockton NZ Holdings Limited is also licenced in Samoa by the Ministry of Customs and Revenue (289504/105793) to carry out the business and activities of insurance agents and brokers. The purpose of this Terms of Business Agreement ("the Agreement") is to set out the terms on which LCNZ undertakes to act for you, our client or agent, including our regulatory and statutory obligations, how we get paid, how we manage conflicts of interest or any complaint you have about our service, plus important information you need to be aware of in purchasing a financial insurance product recommended by us. The Agreement also identifies your responsibilities both to us and to insurers and other third parties. These are our standard terms and can only be varied with our written consent. Please contact us immediately if there is anything in this document which you do not understand or with which you disagree. If you continue to do business with us and we do not hear from you, this will serve as your consent to working with us on the terms set out in this Agreement. In the absence of an agreement, this document sets out the terms upon which we provide our services to you. This Agreement will be governed and constructed in accordance with New Zealand law and any dispute or disagreement arising shall be subject to the jurisdiction of the New Zealand courts. In this document "we", "us" and "our" means LCNZ. Despite any attestation clauses set out in this Agreement, this Agreement will come into full force and effect as between the parties on the appointment by you of LCNZ and shall continue in full force and effect thereafter unless or until terminated by mutual agreement of the parties or by either party giving at least 30 days' written notice to the other. ## OUR SERVICES ### Insurance & Risk Management Services We will discuss with you and your representatives your insurance requirements, including the scope of cover, the limits to be sought and cost. Upon receipt of your instructions, whether written or oral, we will use all reasonable endeavours to implement your insurance programme, subject to available insurers, before the intended date of inception, renewal, or extension of cover (whichever is appropriate). If you have not provided specific instructions, you authorise us to take such steps as are reasonably necessary to ensure continuity of insurance coverage including placement or extensions and agree to pay all premiums, fees, charges and penalties that may arise from such placement, extension, or later alteration thereof. ### Claims Handling Services Where agreed with us by you, we will provide our claims handling services during the period of our appointment for the policies placed by us. These services can be continued beyond our appointment by mutual agreement and will be subject to a separate fee. Our claims handling services include, upon receiving the required information from you, the notification of the claim or circumstances to insurers, representing you in the resolution of the claim and arranging the collection and/or settlement of the claim in accordance with market practice and your policy terms and conditions. Where claims are to be dealt with by you with insurers directly, we will provide advice and support as requested. We may use third party claims handling services, however, where we intend to do so we shall inform you prior to the inception of the insurance contract. Further, our claims handling services will cease where we are satisfied that you have appointed another broker or adviser to act as your agent. If a loss adjustor is appointed, we shall, with your permission, pass on your contact details and co-ordinate meetings. In the case of a major loss, we can attend the initial meeting with the loss adjustor if you wish us to. We will promptly forward to you all claims documentation, insurance company settlement cheques and other information. If any claims are outstanding when you terminate our appointment as your insurance broker, we will provide details of the claim(s) to your new insurance broker so that they may continue to negotiate settlement on your behalf. Where we collect claims payments, they will be remitted to you as quickly as possible. However, we will not remit claims monies to you before we have received them from insurers. ### Claims Preparation Services In addition to claims advisory and administration services which are outlined above we also provide claim preparation services which is at an additional cost, but which will be funded by Underwriters (usually with their permission / agreement) under the "Claims Preparation" cover included within your policy. The intention of this cover and the service is to make available to the business and the management team expert claim resources to efficiently navigate the claim process, prepare and document best practice claim(s) in accordance with the available cover, and to engage where required with Underwriters and their appointed experts and loss adjusters to obtain timely interim payments and responses to claim(s) as they are provided. A formal letter of engagement will be provided which will set out the available Claims Preparation cover and costs associated with the specific insured incident / event. We may use third party claims services, however, where we intend to do so we shall inform you prior to the inception of the insurance contract. ### Additional Services If requested, available and appropriate, we may agree to provide you with a few additional services which fall outside our core service provision. Such services (including Claims Preparation Services referred to above) may be subject to the agreement of additional remuneration. Such services may include catastrophe or analytical modelling services in which case a separate Limit of Liability will apply – please see further below. We do not offer advice in relation to tax, accounting, regulatory or legal matters (including sanctions) and you should seek separate advice as you consider necessary regarding such matters. ## YOUR RESPONSIBILITIES & KEY INSURANCE INFORMATION ### Disclosure of Information #### General and Life/Health insurance contracts Before you enter into an insurance contract, you have a duty to tell the insurer all material facts in relation to your insurance needs. A statement is material only if that statement would have influenced the judgment of a prudent insurer in fixing the premium or in determining whether they would have taken or continued the risk upon substantially the same terms. You have this duty until the insurer agrees to cover your risk. You have the same duty before you renew, extend, vary, or reinstate an insurance contract. You do not need to tell the insurer anything: i) that reduces the risk they insure you for; or ii) is common knowledge; or iii) they know or should know as an insurer; or iv) they waive your duty to tell them about. #### Non-disclosure - if you do not tell the insurer If you do not tell the insurer something you are required to, they may cancel your contract or reduce the amount they will pay you if you make a claim, or both. If your failure to tell them is fraudulent, they may refuse to pay. ### Your Insurance Policy You are responsible for reviewing the evidence of insurance cover to confirm that it accurately reflects the cover, conditions, limits and other terms that you required. Particular attention should be paid to any policy conditions and warranties, as failure to comply may invalidate your coverage and the claims notification provisions. If there are any discrepancies, you should consult us immediately. Further, you should review the insurance premium payment terms provided to you. All premium payment terms must be met on time, or your insurers may have the right to affect a notice of cancellation for non-payment of premium. We shall also advise of any charges which are additional to the insurance premium. We will send you any policy documents, if applicable, and any amendments or endorsement to your policy as soon as reasonably practicable. ### Fire and Emergency Levy (NZ only) LCNZ does not offer you any advice in relation to tax or legal advice in relation to any liability incurred by you under the Fire and Emergency New Zealand Act 2017. You are responsible for providing valuation declarations for any contract of fire insurance placed by LCNZ on your behalf and acknowledge that these arrangements may be audited by Fire and Emergency New Zealand (FENZ). You are responsible for any additional levies payable and indemnify LCNZ for any statutory claim FENZ has against LCNZ for any contract of fire insurance arranged on your behalf. ### Change in Circumstances/Variations You should carefully monitor and review that your insurance contract is adequate to cover your assets or business activities and that you advise us of any departure from your "normal" form of business (i.e. that which has already been conveyed to your insurers). For example, acquisitions, changes in occupation or location, new products, or new overseas activities. If you want to vary any cover, e.g. by increasing the sum insured or adding other property, business activities etc., please provide us with details of the changes you require and any other information you need to disclose to the insurer. We will arrange the variation with the insurer and provide you with written confirmation. Please consult with us if you are in any doubt as to whether your insurer should or should not be told of certain changes. ### Claims You are responsible for notifying claims or potential circumstances that may give rise to a claim in accordance with the terms and conditions of your insurance contract. To ensure full protection under your policy or similar documentation you should immediately familiarise yourself with the coverage conditions or other procedures relating to claims and to the notification of those claims. Failure to adhere to the notification requirements, particularly timing, as set out in the policy or other coverage document, may entitle insurers to deny payment of your claim. In presenting a claim it is your responsibility to disclose all facts which are material to the claim. Claims may be made against certain policies long after they have expired. It is important, therefore, that you keep your policy documents in a secure place. It is generally the case that claims may become unenforceable by way of legal proceedings (or in some jurisdictions, completely extinguished) if they are not pursued by legal proceedings commenced within the relevant limitation period applying to your claim in the jurisdiction in question. It is your responsibility to monitor the position on limitation periods applying to your claims and to commence legal proceedings in relation to your claims where this is necessary. It is also your responsibility to enter into "standstill" or "tolling" agreements in order to suspend the application relevant limitation periods, where this is desirable. We will not commence legal proceedings or enter into standstill/tolling agreements on your behalf, nor will we advise you if and when to do so. On these issues we recommend you take your own legal advice. ### Renewals We will contact you on a timely basis giving you notice of expiry of any insurance contract. We will provide you with details of the offer to renew the insurance contract and invoice you for the cost of renewal and where required can discuss any amendments to the details of the cover. Depending on the type of insurance we arrange for you, you may have to provide us with written instructions if you wish us to renew the insurance contract on your behalf. We will inform you if written instructions are required. You also undertake to pay the premium and other charges before the date shown on the invoice. ### Sums Insured – Average and Co-Insurance Some insurance contracts require you to bear a proportion of each loss or claim if the sum insured is inadequate to cover the amount of the loss. These provisions are called 'average' or 'co-insurance' clauses. If you do not want to bear a proportion of any loss, when you arrange or renew your contract of insurance, you must ensure that the amount for which you insure is adequate to cover the full potential of any loss. If you insure on a new for old basis, the sum insured must be sufficient to cover the new replacement cost of the property. ### Interests of Other Parties Some insurance contracts do not cover the interest in the insured property or risk of anyone other than the person named in the contract. Common examples are where property is jointly owned or subject to finance but the contract only names one owner or does not name the financier. Please tell us about everyone who has an interest in the property insured so that we can ensure that they are noted on the contract of insurance. ### Cancellation/Alteration We cannot cancel a contract of insurance without written instructions from a person(s) who is authorised to represent each of the parties who are named as insureds in the contract of insurance. If there is a refund of premium owed to you as a result of a cancellation or alteration to a policy, we will retain any fee we have charged you. We will also retain commission depending on our arrangements with the insurer. ### Claims Made Policies Some kinds of liability policies (including professional indemnity, directors & officers, and trustees' liability) are usually issued on a "claims made" basis. This means that (subject to the other terms of the policy) the policy covers claims made against you during the period of insurance. If your policy is a "claims made" policy, and if you give notice in writing to the insurer of facts that might give rise to a claim against you as soon as is reasonably practicable after you become aware of those facts but before the period of insurance expires, the policy will cover (subject to the other terms of the policy) any subsequent claim against you that arises from those facts, even if that claim is not made until after the period of insurance has expired. (If you presently have a "claims made" policy, please consider whether there are any facts that should be notified to your present insurer before that policy expires). If your policy is a "claims made" policy, and if it has a "retroactive date", it will not cover any claim that arises from any act, error, omission or conduct that occurred before that date. ### Waiver of Rights (Subrogation) You may prejudice your rights with regard to a claim if, without prior agreement from your insurers, you enter into an agreement with a third party that prevents the insurer from recovering the loss from that, or another party. Your policies contain provisions, which allow the insurer to recover their liability from the responsible party. Any agreement you enter into that excludes or limits your rights to recover damages from another party in relation to any loss, damage or destruction contravenes these provisions. If you have any such agreements, we may be able to negotiate with your insurer to permit them and therefore we request you to advise us of their existence. Examples of such agreements are the "hold harmless" clauses, which are often found in lease agreements, maintenance and supply contracts pertaining to the installation and maintenance of fire protection systems and burglar alarms and in repair contracts. ### Who Is Responsible for the Financial Services and Advice Provided? As your insurance broker, we act for you as your agent, unless we tell you otherwise. At times LCNZ issues insurance through a binder or agency with an insurer. When we do this, we are acting as the agent of the insurer and are not acting on your behalf as your agent. We will always tell you when the product we are recommending or arranging is being done through a binder. ### Payment of Premium You agree to provide settlement with cleared funds of all monies due in accordance with the payment date(s) specified in our debit note invoice or other relevant payment documentation ("Payment Date"). We are under no obligation to pay premium to insurers on your behalf and failure to pay all monies due, in particular where the premium is subject to a warranty or other payment condition, may lead to the insurer cancelling your contract. Any interest or fines payable in the event of late payment of any government or statutory charges due are your responsibility. You agree that LCNZ may retain all insurance credits on your account and utilise those funds to offset any current outstanding debit amounts unless you advise otherwise. If there are no outstanding debit amounts on your account, please provide your EFT / bank deposit slip details via email as soon as possible so we may remit funds back to you. ### How Will you Pay for the Services Provided? For each insurance product the insurer will charge a premium that includes any relevant taxes, charges, and levies. We often receive a payment based on a percentage of this premium (excluding relevant taxes, charges, and levies) called "commission", which is paid to us by the insurers. However, in some cases we will also charge you a broker administration fee. All fees charged will be shown on the invoice that we send you and for retail clients we will also disclose the dollar amount of any commission earned. Alternatively, we may rebate all commissions to you and charge you a fee based upon the nature of the service we provide. Commission and fees are earned for the policy period and we will be entitled to retain all commission and fees in respect of the full policy period in relation to policies. ### Remuneration Our remuneration for the services we provide you will be either commission, which is a percentage of the insurance premium paid by you and allowed to us by the insurer with whom your insurance contract is placed, or a fee as agreed with you. If appropriate, we may receive a fee and commission. You agree that commission and fees are fully earned by us once a policy of insurance is placed for the period of the contract and we shall be entitled to retain all fees and commission in respect of the full period of the contract in relation to contracts placed by us, notwithstanding that you decide to withdraw our appointment mid-term. We shall disclose the form and amount of compensation we will earn in accordance with regulations. It may, at times, be appropriate (and for your benefit) for us to use other parties such as introducers or other insurance intermediaries. These parties may also earn and retain commissions for their role in providing products and services for you or in recognition of services they provide to us in relation to your business. Where a percentage of our remuneration is shared with such a third party, we confirm that the overall remuneration has not been increased to allow for any such sharing. You may also choose to use a premium finance company or other service provider in connection with the insurance we place for you or the services we provide. If we receive any direct remuneration from any such service provider by reason of your use of their service, we will disclose to you the amount of that remuneration before you make a final decision to use that service provider. In the ordinary course of business, we may also receive interest on client and insurer monies from the date we receive the funds until we settle to those due to receive them. We confirm that we shall retain that interest rather than pay it to you or the insurer. ### CPI Increase You acknowledge and agree that our fees under this Agreement will be subject to an annual increase in accordance with the increase in the consumers price index ("CPI") for the previous 12 months. The percentage increase will be taken to be the most recent figure for CPI published in the quarter prior to the 12-month anniversary of the Agreement. ### Terms & Method of Payment Payment is due in accordance with the payment date(s) specified on our invoice or other relevant payment documentation. You can choose to electronic funds transfer (EFT), or we can arrange a premium funding quote for you. ### Introducers (Referrers) and Distributors We may pay third parties or introducers who have introduced you to us or referred us to an insurer, either an agreed commission amount or a set amount. We may also pay distributors who assist us in arranging your insurance, for example by collecting application forms and payment from you or assisting you to lodge a claim, an agreed commission, or a set amount. ### Interest Earned on Trust Account When you pay us your premium it will be banked into our trust account. We retain the commission from the premium you pay us and remit the balance to the insurer in accordance with our arrangements with the insurer. We will earn interest on the premium while it is in our trust account, or we may invest the premium and earn a return. We will retain any interest or return on investment earned on the premium. ### Other Revenue We provide services to insurers that are not directly related to the services provided to you and we receive usual and customary remuneration in recognition for those services. This remuneration may be a work transfer, management or administration fee. These payments recognise the services we provide to the insurer over that given period. It may be appropriate and for your benefit for us to use a member of Lockton Companies LLP or another intermediary to assist us in fulfilling your insurance requirements. These companies may receive usual and customary remuneration for the services they provide. If any such parties are part of Lockton Companies LLP, we will disclose the form of compensation they will earn before insurance is purchased. ### Other Benefits From time to time our Associates may receive certain hospitality benefits. The receipt of these benefits is not based upon the volume of business placed with the provider but is more of an ad hoc reward received in the normal course of duty and are in compliance with our global policies in relation to Conflict of Interest, Bribery and Corruption. You have the right to request for further information in relation to the remuneration, the range of amounts or rates of remuneration, and soft dollar benefits received by the licensee and/or representatives. ### Electronic Communications We may communicate by electronic mail with each other and with other parties with whom we need to communicate in order to provide services to you, sometimes attaching further electronic data. We will also use hyperlinks to provide you with information and disclosure documents. By agreeing for us to provide services to you, you agree to receive communications by email, including updated versions of this document. By engaging in this method of communication we and you accept the inherent risks (including the security risks of interception of or unauthorised access to such communications, the risks of corruption of such communications and the risks of viruses or other harmful devices). Notwithstanding that we have reasonable virus checking procedures on our system, you will be responsible for virus checking all electronic communications sent to you. You will also be responsible for checking that messages received are complete. In the event of a dispute neither of us will challenge the legal evidential standing of an electronic document and our system shall be deemed the definitive record of electronic communications and documentation. ## BUSINESS PRINCIPLES ### Provision of Information & Ownership All activities undertaken by us as outlined in this document are provided by us for your exclusive use and all data, recommendation, proposals, reports, and other information provided by us in connection with our services are for your sole use. You agree not to permit access by any third party to this information without our express written permission, which must not be unreasonably withheld, other than if such access is required by law or for the purposes of obtaining advice (legal, financial, other). While you retain ownership of all physical insurance contract documents, slips and any other documents created by us for you in the performance of the services ("Placing Documents"), subject to the duties of confidence set out in this document, ownership of all intellectual property rights in any Placing Documents vests in and remains with us. We grant you a non-exclusive, perpetual, royalty-free licence to use and reproduce the Placing Documents for your own internal business purposes subject to the provisos in this document. We reserve our right to take action to protect proprietary information. ### Third Party Rights Unless otherwise agreed between us in writing, and to the extent permitted by applicable law, no terms of this Agreement is enforceable by a third party, except by members of Lockton Companies LLP. ### Privacy and Data Protection We are committed to protecting your privacy and will apply reasonable endeavors to comply with the Privacy Act 2020 for any "personal information" we collect and hold and where applicable the European General Data Protection Regulations (2018) and any further amendments. We will comply with all applicable laws, regulations, rules, relating to the privacy of information for all jurisdictions that we do business in. We use the information you provide to advise about and assist with your insurance and risk management needs. We will apply reasonable endeavours to keep any personal information in our possession or control secure from loss or unauthorised access, modification, or disclosure, to return such information on request, and to notify you if there are any data breaches in relation to the information. Further details as to how we will collect, hold, use and disclose your personal information are contained in our privacy policy available here https://global.lockton.com/nz/en/nz-privacy-statement A copy of your file is available on request. ### Confidentiality We will keep all information received from you confidential and use it solely for the purpose of performing our Services. We may disclose to third parties our Clients' confidential information where: i) disclosure is required to satisfy our legal obligations or regulatory requirements; ii) disclosure is reasonably required to carry out our Services; and iii) such information is, other than as a result of a breach of any obligation of confidentiality owed by any person to you, the Client, in the public domain or rightfully in our possession. We will as soon as practicable provide, destroy, return or cause the provision or return of all documents and other materials in our possession, custody or control which contain, relate to, or concern the Client (including any material created or developed by us or any LCNZ personnel) on the Client's written demand. ### Limit of Liability To the fullest extent permitted by law, and not withstanding any other provision of this Agreement, the total aggregate liability of LCNZ to the Client and anyone claiming by or through the Client, for any and all claims, losses, costs or damages of any nature whatsoever related to our Services or the Agreement, from any cause or causes, shall not exceed NZD$10,000,000. It is intended that this limitation apply to any and all liability or cause of action however alleged or arising, unless otherwise prohibited by law. The cap should not apply to loss caused by us with regards to: i) fraud, criminal offence, wilful default or wilful misconduct; or ii) personal injury to, or illness or death of any person; or iii) damage to, or loss of destruction of, a third party's property. Where you agree, or have agreed, a separate limitation of liability in any other agreement with us or any of the Lockton group companies, including for services not covered by this Agreement, the higher limit of liability set out in any of such agreements shall apply as the total overall liability of Lockton Companies LLP and the Lockton Group Companies under all agreements you have entered into with us and all other Lockton Group Companies, collectively, ("Total Limit of Liability") and the limits of liability set out in such other agreements will not serve to increase our or any Lockton Group Companies liability above such Total Limit of Liability. Any amount paid by us or any Lockton Group Companies under any agreement with you shall be taken into account against any such Total Limit of Liability to reduce such Total Limit of Liability available accordingly. ### Limit of Liability for Analytical Services If we are retained to provide any catastrophe or analytical modelling services, our total liability for those services will be NZD$1 million. ### What Arrangements Do We Have in Place to Compensate Clients for Losses? LCNZ has a professional indemnity ("PI") insurance policy in place. The PI insurance covers us and our Associates for claims made against us and our Associates by clients as a result of the conduct of us or our Associates in the provision of financial services and advice. LCNZ confirms that it has arrangements in place to ensure it continues to maintain PI insurance in accordance with the relevant regulations. In particular our PI insurance, subject to its terms and conditions, provides sufficient indemnity to the Sum Insured and our representatives and employees in respect of our authorisations and obligations under our New Zealand Financial Advice Provider's licence (FAP). This insurance will continue to provide such coverage for any representative or employee who has ceased work with LCNZ or work done whilst engaged with us. ### Financial Crimes Prevention As a financial service provider, we may have an obligation under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 to verify your identity and the source of any funds. This means that we may ask you and/or directors of your company/organisation to present identification documents such as a passport and driver's licence. We will also retain copies of this information in accordance with our privacy policy. We assure you that this information will be held securely. We cannot provide you with services if you are unwilling to provide this information. We will comply with all applicable laws, regulations, rules, codes and sanctions relating to financial crimes of jurisdictions that we do business in (including but not limited to the NZ Crimes Act 1961, the UK Bribery Act, UK Criminal Finance Bill, and the US Foreign Corruption Practices Act) and shall not engage in any activity, practice or conduct which would constitute an offence or breach of any relevant requirements. ### Conflicts of Interest Circumstances may arise where we may find we have a conflict of interest or otherwise have a material interest in or related to a matter in respect of which we are acting. We have conflict management procedures, and we seek to avoid conflicts of interest but where a conflict is unavoidable, we will explain the position fully and manage the situation in such a way as to avoid prejudice to any party. The insurance market is complex and there could be other relationships not described here which might create conflicts of interest. Whatever the circumstances, we will act in your best interests and if a conflict arises from which there is no practicable solution, we will withdraw unless you wish us to continue to act for you and provide us with your written consent to that effect. ### Ethical Business Practice We do not tolerate unethical behaviour either in our own activities or in those with whom we seek to do business. We will comply with all applicable laws, rules, regulations, and accounting standards. ### Underwriting Agents & Wholesale Brokers In some cases, we use the services of an Underwriting Agents and Wholesale Brokers (insurance intermediary) to access products that are not available to us directly from the underwriter. You can identify where we have used an insurance intermediary as the Invoice/schedule will show that the policy is placed via another Insurance Intermediary. This situation usually arises where the insurance intermediary has developed a specialised product and competitive pricing for risks that are not commonly available directly but via the insurance intermediary. All insurance intermediaries that we deal with in New Zealand are required to hold a New Zealand Financial Advice Providers licence and to place all client funds received into a Trust Account and are required to meet the same high standards in the delivery of the services that apply to us. Importantly all claims will be the ultimate responsibility of and paid for by the insurer. In such cases should you wish to access the Financial Advice Disclosure of the Underwriting Agency or Broker please contact us and we will arrange to have a copy sent out to you. ### Market Security The purpose of market security monitoring and evaluation is to ensure as far as possible that risk is transferred to (re)insurers with the resources to bear that risk when the insurance policy is placed. However, LCNZ does not guarantee the performance of any insurer or intermediary with which we place your business. ### Insurers We Use When we recommend an insurance policy for you, we will usually only consider the policies offered by the insurers or insurance providers whose security has been examined and approved by our Market Security Committee. In giving you advice about the costs and terms of recommended policies, we have not compared those policies to all other policies available, other than from those insurers we deal with regularly. We undertake a review of all insurers with which we deal on a regular basis. ### Amendments You agree that we have a right to amend this document by sending you either a notice of amendment in writing or a revised Terms of Business Agreement. Any amendment will apply in respect of any service transaction entered into by us after notice of the amendment is given and may take effect either immediately or at such later date as the notice may specify. We will however give you at least 10 business days' notice of any change. ### Termination Our services may be terminated either by us or you upon the giving of one month's notice in writing to the other party or as otherwise agreed. In the event our services are terminated by you, we will be entitled to receive any and all fees or brokerage payable in accordance with the terms of "Our Remuneration" set out above. In the event that such remuneration has not been received by us in full at the time notice of termination becomes effective, you agree to pay us any outstanding amount within 7 days of the effective termination date and thereafter on demand. ### How Can We Be Contacted? You can provide us with instructions in person, by telephone or email or in writing. Our contact details are at the end of this document. --- ## Dispute Resolution If you are not fully satisfied with our services, please contact our Complaints/Disputes Manager, and tell them about your complaint or dispute. If your complaint cannot be immediately resolved, we will acknowledge your complaint/dispute in writing within 2 working days providing you details of our internal complaints process and the person responsible for managing your complaint. We will endeavour to resolve your problem within 20 working days. If your complaint cannot be resolved to your satisfaction by us, you have the right to refer the matter to an external dispute resolution service Insurance & Financial Services Ombudsman Scheme (IFSO) of which LCNZ is a member. This service is free of charge. A person may submit a complaint by using IFSO's online form or by contracting IFSO by phone or email. By submitting a complaint, the complainant is deemed to have agreed to have the complaint considered under the rules. IFSO can be contacted as follows: - **Phone:** 0800 888 202 (freecall) - **Online:** www.ifso.nz - **Post:** PO Box 845 Wellington 6143 New Zealand --- # Financial Advice Disclosure ## INTRODUCTION Lockton Companies NZ Limited Partnership (LCNZ) (FSP 772011) is Financial Advice Provider licenced and regulated in New Zealand by the Financial Markets Authority (FMA) to provide financial advice services. ## OUR SERVICES Under the terms of our licence our financial advisers are authorised to provide financial advice to clients on general, life and health insurance products. We will establish the nature and scope of advice to meet your insurance requirements, including the scope of cover offered by the insurers we deal with in addition to the limits and cost of any insurance arrangement we place on your behalf. In this document "we", "us" and "our" means LCNZ. ## FEES OR EXPENSES Our remuneration for the services we provide you will be either commission, which is a percentage of the insurance premium paid by you and allowed to us by the insurer with whom your insurance contract is placed, or a fee as agreed with you. Under the terms of our licence where required to do so, LCNZ will advise you of the fees and expenses payable when we provide you with details of your insurance quote. ## CONFLICTS OF INTEREST AND INCENTIVES We have conflict management procedures, and we seek to avoid conflicts of interest but where a conflict is unavoidable, we will explain the position fully and manage the situation in such a way as to avoid prejudice to any party. Commission is a percentage of the insurance premium paid by you and allowed to us by the insurer with whom your insurance contract is placed. Our commission will be calculated based on the following formula: **X = Y% x P** In this formula: - **X** = our commission - **Y%** = the percentage commission paid to us by the insurer. Our commission earned varies between 0% and 37% - **P** = the amount you pay for any insurance policy (less any government fees or charges included in that amount) Our charges include GST. Under the terms of our licence where required to do so, LCNZ will confirm the amount of commission payable in the insurance quote. In addition to the fees and/or commissions, LCNZ may charge an Administration fee to cover costs in relation to administering your insurance policies as well as other additional disbursement costs. If you choose to arrange premium funding in connection with a premium funding quote provided by LCNZ, we will receive a commission and/or fee. The commission range will be 0% to 5% of the total amount funded. Any premium funding arrangement will be subject to a separate agreement between you and the premium funder. From time to time our Associates may receive certain hospitality benefits (such as tickets to sporting events, movies, meals, bottles of wine, hampers). The receipt of these benefits is not based upon the volume of business placed with the provider but is more of an ad --- ## https://financeadvisers.co.nz/api/provider/FSP773516/disclosure.md > _Markdown transcription of The Mortgage Centre Group Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.themortgagecentre.co.nz/tmc-public-disclosure._ --- # The Mortgage Centre Publicly Available Disclosure **The Mortgage Centre Group Limited** www.themortgagecentre.co.nz | 07-345 8001 This document sets out the information that The Mortgage Centre Group Limited is required to make publicly available in accordance with the Financial Markets Conduct Regulations. --- ## Overview of Our Business The Mortgage Centre Group Limited operates to provide mortgage advice, with branches in Hamilton and Auckland. Advisors who are individual contractors to The Mortgage Centre Group (Adviser Businesses) provide mortgage advice to their clients and trade under The Mortgage Centre brand. The Mortgage Centre Group Limited charges our individual contractors a fee for the services they receive from The Mortgage Centre Group Limited. - Adviser Businesses are Financial Advice Providers under the Financial Markets Conduct Act 2013 and each Adviser Business is required to be registered on the Financial Service Providers Register (FSPR). - Adviser Businesses engage Financial Advisers to provide financial advice to clients. The FSPR shows the Financial Advisers which have been engaged by a particular Adviser Business. - The Financial Advisers you can search for on The Mortgage Centre website. We do not provide advice on insurances, but we use accredited insurance brokers locally that we give our clients a choice to use and have their insurances reviewed. We do get paid a referral fee on every successful referral and we do notify about this to our clients via our disclosure statements. --- ## Licensing Information The Mortgage Centre Group Limited and The Mortgage Centre Auckland Limited operate as Financial Advice Providers under a current licence issued by the Financial Markets Authority in the name of **NZ Financial Services Group Limited (FSP286965)**. There are no conditions attached to this licence on the advice that may be given. --- ## Authorised Bodies Each Financial Advice Provider listed above is an Authorised Body under the NZ Financial Services Group licence. Financial Advisers that are able to give financial advice are linked to an Authorised Body. These can be viewed on the Financial Services Providers Register under The Mortgage Centre Group Limited or The Mortgage Centre Auckland Limited. --- ## Scope of this Publicly Available Disclosure This document sets out some information about The Mortgage Centre Adviser Businesses, as required by the Financial Markets Conduct Regulations 2013. The Adviser Businesses, including the Authorised Bodies, have their own Publicly Available Information Disclosures which set out: - Whether they are authorised under The Mortgage Centre Group licence or The Mortgage Centre Auckland licence. - The nature and scope of the financial advice service their Financial Advisers can offer. - Other key information about fees, commissions and complaints. You can locate their Publicly Available Information Disclosures on our website. The Financial Advisers have their own Disclosure Guides. These are not available on our websites but are provided on request and otherwise are provided by the Financial Adviser when they are engaged to provide financial advice by a current or prospective client. --- ## Financial Advice and Product Providers The Mortgage Centre Group or The Mortgage Centre Auckland does not provide financial advice directly to clients; however, the Financial Advisers provide clients with financial advice about lending products. The Adviser Disclosures: - Set out the specific products that they can provide financial advice on. - Set out the relevant product providers. --- ## Fees and Expenses Because The Mortgage Centre Group or The Mortgage Centre Auckland does not provide financial advice directly to clients, it does not charge fees and expenses to clients. Information about fees and expenses that might be payable by a client to an Adviser Business and/or a Financial Adviser in connection with receiving financial advice is set out in the Adviser Disclosures. --- ## Conflicts of Interest The Mortgage Centre Group or The Mortgage Centre Auckland is required to disclose any interests of The Mortgage Centre Group or The Mortgage Centre Auckland, of its Financial Advisers, which a client may expect to materially influence the financial advice a client may receive from a Financial Adviser. --- ## Commissions & Incentives If or when a client is referred to an externally appointed insurance advisor by our Financial Adviser in relation to an insurance product and the insurance application is accepted, The Mortgage Centre Group or The Mortgage Centre Auckland may receive a commission payment from the applicable insurance advisor for the referral. Additionally, where a Financial Adviser refers a client to **Tower Insurance** for their Fire and General (House, Contents, Vehicle, Boat) insurance needs, or refers a client to **XE Money** for their other financial needs, The Mortgage Centre Group or The Mortgage Centre Auckland may receive a referral payment. Financial Advisers usually receive commission payments in connection with financial advice that they provide if a product is acquired following that financial advice. That commission payment may include an upfront payment, together with an ongoing renewal or trail payment. More information about those commissions, and any other incentives they may receive, is set out in the Adviser Disclosures. To ensure that Financial Advisers manage the potential conflict of interest raised by the commission payments, The Mortgage Centre Group or The Mortgage Centre Auckland: - Provides guidance and training on conflicts of interest. - Requires Financial Advisers to recommend products by following an advice process that ensures the Financial Adviser understands the needs and goals of their clients and that their recommendations meet those needs and goals. - Requires Financial Advisers to provide, in their Disclosure Guide, a schedule showing commission rates and types by product provider. - Carries out regular assurance in relation to the advice provided by a Financial Adviser which assesses, amongst other matters, how conflicts of interest have been managed. --- ## Complaints and Dispute Resolution If you have a complaint about the financial advice or the service you've received from a Financial Adviser, please lodge a complaint with them. Information about an Adviser Business's internal complaints service and their dispute resolution scheme can be found in the Adviser Disclosures. If you have a complaint that relates to The Mortgage Centre Group or The Mortgage Centre Auckland, or if you are unhappy with how a complaint against your Financial Adviser has been dealt with, you can contact The Mortgage Centre Group internal complaints service by emailing: **info@themortgagecentre.co.nz** (subject heading: Complaint – [Your Name]) Please set out the nature of your complaint and the resolution you are seeking. We aim to acknowledge receipt within 24 hours. We will then record your complaint in our Complaints Register and investigate your complaint. We may want to meet with you to better understand your issues. We will investigate your complaint and aim to provide a response within **7 working days** of receiving your complaint. If we need more time to investigate your complaint, we'll let you know. If we cannot agree on a resolution, you can refer your complaint to our external dispute resolution service. This service is independent, will cost you nothing, and will assist us to resolve things with you. ### External Dispute Resolution Scheme **Financial Services Complaints Limited (FSCL)** **Phone:** 0800 347 257 **Email:** complaints@fscl.org.nz --- ## Our Duties Anyone giving financial advice under The Mortgage Centre Group or The Mortgage Centre Auckland licence from the FMA is bound by and supports the duties set out in the Financial Markets Conduct Act 2013. These duties are: - Meet the standards of competence, knowledge, and skill and the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Providers. - Give priority to clients' interests. - Exercise care, diligence, and skill. --- *Note: Individual Adviser Business Publicly Available Information Disclosures and Financial Adviser Disclosure Guides are referenced throughout this document. Adviser Disclosure Guides are not published on the website but are available on request and are provided by the Financial Adviser at the time of engagement.* --- ## https://financeadvisers.co.nz/api/provider/FSP774666/disclosure.md > _Markdown transcription of Lighthouse Mortgages Limited's Public Disclosure Statement, version 2026-05-24. Source: https://lighthousefinancial.co.nz/disclosure-statement/._ --- # Disclosure Statement — Lighthouse Mortgages --- ## Licensing Information Lighthouse Mortgages Limited (FSP 7744666, trading as Lighthouse Mortgages) holds a licence issued by the Financial Markets Authority to provide financial advice. **You can contact us at:** - Phone: 09 884 0972 or 021 037 9572 - Email: info@lighthousefinancial.co.nz - Address: 10/23 Custom Street East, Auckland Central, Auckland 1010 - Website: www.lighthousefinancial.co.nz --- ## Nature and Scope Lighthouse Mortgages provides financial advice on residential lending products. We recommend a wide range of lenders available via our aggregator, Kiwi Adviser Network (KAN). This includes both main banks and non-bank lenders. A full list of these providers is available on request. We do not provide advice on insurance, KiwiSaver, investments, or legal/tax matters unless otherwise stated. --- ## Fees In certain situations, Lighthouse may have to charge you a service fee for services rendered, including where: - An upfront commission is not offered by the Provider your loan will be sourced through; - The services we provide you are advisory in nature or involve a significant amount of work that will not result in a commissionable transaction; or - Your loan is expected to be repaid within a short timeframe and thus incur a full commission clawback; Any proposed service fee will be discussed with you as soon as it becomes clear that it will be required and will only be charged following your formal acceptance of that fee. - The lending approval expires and you provide no indication that you want to proceed. In the odd case a fee is charged we will agree to that fee in advance of the Statement of Advice and the specific fee will be outlined in the Statement of Advice. The fee range would generally be **$1,500 – $2,500**. --- ## Clawback Recovery Fee If a loan is repaid within 27 months of settlement (the 'Clawback Period'), Lighthouse may have some or all of the original upfront commission 'clawed back' by the Provider. To ensure that Lighthouse is fairly compensated for the services originally provided to you, we may seek to recover some or all of this cost from you via a clawback recovery fee. Our clawback recovery fee is calculated by charging our hourly rate for the amount of time we spent on your application e.g. $200 per hour x 15 hours = $3,000 clawback recovery fee. **Examples of when we may charge you a clawback recovery fee include:** - The property is refinanced within the clawback period and Lighthouse Mortgages was not given the opportunity to arrange the refinance; - The property is sold and/or the loan repaid within the clawback period. We will not charge you a clawback recovery fee if we were given the opportunity to secure new lending or refinancing for you but were unable to at least match a finance approval that you obtained elsewhere, or if we charged you an upfront Service Fee for arranging the original loan. **What should you do if something goes wrong?** If you have a problem, concern, or complaint about any part of our service, please let us know so we can try to fix the problem. You can contact the individual adviser on their direct phone number, our internal disputes service by telephoning 09 320 4948, by email info@lighthousefinancial.co.nz, or in writing to 41 High Street, Auckland City, Auckland 1010. If we cannot agree on how to resolve the issue, or you decide not to use the internal complaints scheme, you can contact Financial Services Complaints Ltd. You can contact Financial Services Complaints by emailing complaints@fscl.org.nz, calling 0800 347 257, online at www.fscl.org.nz/complaints/complaint-form, or in writing to the FSCL Scheme, PO Box 5967, Wellington. This service will cost you nothing and will help us resolve any disagreements. --- ## Complaints Handling & Disputes Resolution If you are not satisfied with our financial advice service you can make a complaint by emailing info@lighthousefinancial.co.nz, or by calling 09 884 0972. You can also write to us at: 41 High Street, Auckland Central, Auckland 1010. 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, we will issue you with a Letter of Deadlock and you can proceed to contact Financial Services Complaints Ltd. The Financial Services Complaints Ltd provides a no charge, independent, dispute resolution service that may help investigate or resolve your complaint, if we haven't been able to resolve your complaint to your satisfaction. **You can contact Financial Services Complaints in the following ways:** - Email: complaints@fscl.org.nz - Phone: 0800 347 257 - Online: www.fscl.org.nz/complaints/complaint-form - Writing: FSCL Scheme, PO Box 5967, Wellington --- ## Conflicts of Interest and Incentives For mortgages, Lighthouse Mortgages Limited and the financial adviser receive commissions from the banks with whom we arrange mortgages. If you decide to take out the mortgage, the bank will pay a commission to Lighthouse Mortgages Limited and your financial adviser. The amount of the commission is based on the amount of the mortgage. All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance program annually by a reputable compliance adviser. Lighthouse Mortgages is part of a New Zealand Financial Services Group. Remuneration can flow to the business from product providers via the Dealer Group; this is based on production of the group as a whole and Lighthouse Mortgages. The Business can also receive other services or benefits (related to being a FAP) from the dealer group. 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. Where relevant, we will share your information with our other partner businesses (Lighthouse Accounting, Lighthouse Mortgages and Lighthouse Wealth) for the purpose of providing any current or future services you may request. We take any perceived or real conflicts of interest very seriously and have a dedicated policy for dealing with such issues whereby we avoid, disclose and/or manage any conflicts so that our client's interests are placed first and foremost. All our financial advisers undergo annual training about how to manage conflicts of interest. We maintain registers of conflicts of interest, and the gifts and incentives we receive. Lighthouse Mortgages monitors these registers and provides additional training where necessary. Lighthouse Mortgages performs an annual review of our compliance program. --- ## Conduct Lighthouse Mortgages, 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 isn't 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 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 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 https://www.fma.govt.nz. --- ## Privacy Policy Available at: https://lighthousefinancial.co.nz/privacy-policy/ --- *Additional linked documents referenced on this page:* - [Privacy Policy](https://lighthousefinancial.co.nz/privacy-policy/) - [Terms of Engagement](https://lighthousefinancial.co.nz/terms-of-engagement/) --- ## https://financeadvisers.co.nz/api/provider/FSP776171/disclosure.md > _Markdown transcription of Jri Life Limited's Public Disclosure Statement, version 2026-05-18. Source: https://www.jri.co.nz/sites/default/files//files/JRI%20Public%20Disclosure%20Statement.pdf._ --- # PUBLIC DISCLOSURE STATEMENT ## Licensing information JRI Limited (FSP7841) is a licensed Financial Advice Provider (FAP) regulated by the Financial Markets Authority (FMA) to provide financial advice services in New Zealand. JRI Life Limited (FSP776171) is an authorised body under JRI Limited's FAP, and is licenced to provide financial advice services. ## Nature and scope of the advice JRI provides advice on the following classes of insurance products: ### General Insurance (Personal and Commercial): - Business insurance - Home and contents insurance - Vehicle insurance - Watercraft and boat insurance - Marine insurance ### Life and Health (Personal Risk) Insurance: - Life insurance - Medical insurance - Accidental death insurance - Disability income protection insurance - Trauma insurance - Total and permanent disablement insurance - Business overheads insurance - Mortgage protection insurance Click [here](https://www.jri.co.nz) to see the full list of insurers we have business relationships with and whose products we can advise on. ## Fees/Expenses We may charge a fee for the financial advice and services we provide. We have a standardised fee structure – the amount will depend on the nature and complexity of the advice. You can view our complete fees information [here](https://www.jri.co.nz). If fees apply to your policy, the exact amount will be disclosed before we provide the service. When paying for your insurance, you can choose to pay your premium monthly over the term (Premium Funding). In this case we receive a commission up to 3.65% of the premium. There is also a one-off, administration fee. We will clearly provide details to you if this applies. If you choose to pay your premium by credit card, a 2.2% credit card fee will apply (charged by your provider). ## Commissions, conflicts of interest, and incentives Our advisers are salaried employees, and their salaries are not influenced by the insurance products you choose. Commissions are paid by insurers to JRI Limited and JRI Life Limited when we place insurance business with them. These commissions help fund our operations, including paying staff salaries. The amount of commission is calculated as a proportion of the insurance premium, and varies depending on the insurer and product. You can view all the commission rates of our insurers [here](https://www.jri.co.nz). We will provide specific information about commission relevant to your situation as part of the advice process. From time to time, we may also receive non-monetary benefits from product providers. These may include training, software, office supplies, small gifts (e.g. calendars or wine), or hospitality (e.g. meals or invitations to events). These do not influence the advice we provide. To ensure our advisers always prioritise your interests: - We follow a structured advice process based on your needs and goals. - Our advisers receive annual training on how to identify and manage conflicts of interest. - We maintain a register to record conflicts of interest and gifts received, and this is regularly monitored and reviewed. ## Complaints handling and dispute resolution If you are not satisfied with our service or advice, please let us know as soon as possible. **Phone:** (06) 758 8440, or 0800 758 8440 **Email:** admin@jri.co.nz **Post:** General Manager, JRI Ltd., PO Box 4234, New Plymouth 4340 We'll work with you to find a quick and fair resolution. You can view our complete complaints and dispute resolution process [here](https://www.jri.co.nz), including contact details for our external dispute resolution scheme. ## Duties information JRI and its advisers have duties under the Financial Markets Conduct Act 2013. We are required to: - Always give priority to your interests and manage any conflicts professionally and transparently. - Exercise care, diligence, and skill. - Meet standards of competence, knowledge, and skill set by the Code of Professional Conduct for Financial Advice Services (Code of Conduct). - Meet standards of ethical behaviour, conduct, and client care set by the Code of Conduct. ## Contact details **JRI Limited (FSP7841) and JRI Life Limited (FSP776171)** **Phone:** 0800 746 457 **Email:** admin@jri.co.nz **Post:** PO Box 4234, New Plymouth 4340 --- This information was last updated July 2025. --- ## https://financeadvisers.co.nz/api/provider/FSP776371/disclosure.md > _Markdown transcription of Custom Mortgages Nz Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.custommortgages.co.nz/disclosure-statement/._ --- # Disclosure Statement for Custom Mortgages NZ Limited **Trading as Custom Mortgages and trading as Digital Mortgages** --- Here is some general information about our business to help you decide if you want to seek our advice. **Company Name:** Custom Mortgages NZ Limited trading as Custom Mortgages and trading as Digital Mortgages **FSP Number:** FSP776371 **Phone Number:** +64 21 0200 8839 or +64 27 777 2069 **Email:** admin@custommortgages.co.nz --- ## Licensing Information We operate as a Financial Advice Provider under a current licence issued by the Financial Markets Authority in the name of **NZ Financial Services Group Limited (FSP286965)**. There are no conditions attached to this licence on the advice that may be given. --- ## Our Advice and Product Providers We provide advice to our clients about **home loan and commercial loan products**. --- ## Commission On settlement of a loan, we usually receive commission from the applicable product provider. The commission is generally of an upfront nature but may also include a renewal or trail commission. We also receive a fixed rate roll over fee from some product providers if we assist in refinancing your loan. This commission is used to remunerate the financial adviser that provides the advice, and to pay the expenses associated with running our business including any rent, staff costs and IT resources. From this commission we also pay NZ Financial Services Group Limited for services they provide to us in connection with our authorisation under their licence from the Financial Markets Authority. We take steps to ensure that the receipt of commissions does not influence the advice we give to you and that our advisers prioritise your interests by recommending the best product for your purpose regardless of the type and amount of commission we or they may receive. We do this by: - Ensuring our advisers follow an advice process that ensures they understand your needs and goals and that their recommendations on insurance cover meets those needs and goals. - Ensuring our advisers receive regular training on how to manage conflicts of interest. - Providing you with a schedule showing commission amounts and types by product provider. This schedule is contained within each Financial Adviser's personalised Disclosure Guide. A Financial Adviser will provide you with more information about commissions during the advice process. --- ## Fees and Expenses Generally we don't charge you any fee for the advice and transactional solutions that we provide to you. This is possible because, on settlement of a mortgage, we usually receive commission from the applicable product provider as described above. There are two exceptions to this general position which are explained below. We may charge you a one-off fee in the following situations: **(a) No commission:** If you request that we provide services in relation to a product or service and we do not receive a commission. Any such fee would be agreed and authorised by you in writing before we complete the services, and would be based on an estimate of the time spent providing the advice. This may arise in the rare event that you request that we provide Services in relation to either a product that is offered by a provider that we do not hold an accreditation with, or a product that is outside our usual arrangements with our product providers. **(b) Repayment of commission:** If a product or service provider requires that we repay commission within 28 months of settlement of your mortgage or issuance of your risk insurance policy. Any such fee would be no more than **$3,000 (plus GST)** and would be calculated based on a rate of **$250 (plus GST) per hour** of the financial adviser's time spent providing services to you in connection with the applicable mortgage or insurance. The fee charged will not exceed the amount of commission clawed back from the lender. Should we need to charge you a fee, you will be invoiced and will be given 30 days to make payment. --- ## Conflicts of Interest If there are any conflicts of interest apart from commission that could potentially influence the advice that we give, these will be shown in your Financial Adviser's Disclosure Guide. --- ## Complaints If you have a complaint about our service you need to tell us about it. You can contact our internal complaints service by: - **Phone:** +64 21 0200 8839 or +64 27 777 2069 - **Email:** admin@custommortgages.co.nz *(subject heading: Complaint – [Your Name])* Please set out the nature of your complaint, and the resolution you are seeking. We will acknowledge receipt of this within 24 hours. We will then record your complaint in our Complaints Register and notify our Licence Holder. We may want to meet with you to better understand your issues. We will then investigate your complaint and provide a response to you within **7 working days** of receiving your complaint. If we need more time to investigate your complaint, we'll let you know. If we cannot agree on a resolution you can refer your complaint to our external dispute resolution service. This service is independent and will cost you nothing and will assist us to resolve things with you. **External Dispute Resolution Scheme:** **Financial Services Complaints Limited (FSCL)** - Phone: 0800 347 257 - Email: complaints@fscl.org.nz --- ## Our Duties Anyone within our business giving advice is bound by and supports the duties set out in the Financial Markets Conduct Act 2013. These duties are: - Meet the standards of competence, knowledge, and skill and the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Providers. - Give priority to your interests. - Exercise care, diligence, and skill. --- *Note: Each Financial Adviser's personalised Disclosure Guide contains additional information including commission schedules by product provider and any individual conflicts of interest. This will be provided to you during the advice process.* --- ## https://financeadvisers.co.nz/api/provider/FSP778394/disclosure.md > _Markdown transcription of The Money Men Limited's Public Disclosure Statement, version 2026-05-24. Source: https://moneymen.co.nz/about-us/disclosure-statement/._ --- # Money Men Disclosure Statement --- ## LICENCING INFORMATION The Money Men Limited is a Financial Advice Provider (FSP778394). We hold a Class 2 Licence issued by the Financial Markets Authority, allowing us to provide Financial Advice. **Financial Advice Provider:** The Money Men Ltd FSP778394 **Licencing Status:** Class 2 Licence issued by the Financial Markets Authority **Company Contact Information:** **P:** 0800 888 482 **E:** support@moneymen.co.nz **W:** www.moneymen.co.nz **A:** 2 Tamariki Ave, Orewa, 0931 --- ## WHAT WE DO We provide practical, personalised, and easy to understand financial advice. We do this through getting to know you and understanding your wants and needs. We then work to implement that advice and provide continued and ongoing support. We are in the relationship game and aim to be a part of your financial journey now and well into the future. The Money Men provides regulated financial advice in the following areas: - **Life & Health Insurance** - **Mortgages** - **KiwiSaver** - **Investments** We also provide general financial advice in the following areas: - **Money Management / Budgeting** - **Financial Coaching / Life Mapping** --- ## PROVIDER INFORMATION We provide financial advice to clients about their Life and Health Insurance, Mortgages, and KiwiSaver. We only provide financial advice on products from certain providers. **For mortgages we work with:** ANZ, ASB, BNZ, Sovereign, Westpac, Resimac, Pepper Money, Avanti **For insurance we work with:** AIA, Chubb Life, Partners Life, Nib, Fidelity Life, Asteron Life **For KiwiSaver we work with:** Booster, Generate, NZ Funds, Milford, Pathfinder **We also work with and refer to the following companies:** Cactus Insurance, Kernel Wealth, Oxford Finance --- ## THE TYPE OF ADVICE WE CAN GIVE We are able to provide you with Insurance, Mortgage and KiwiSaver advice on the products available with the product providers just mentioned. In providing you with financial advice, we will only consider existing term life products. We will not provide advice on existing whole of life or endowment products, so you would need to consult a specialist if you would like advice on those products. The nature of our advice is limited as outlined above. We will not provide you with financial advice on products outside of our scope of experience or qualification. If we feel as though we are limited in the advice or support we can provide to you, and that you would benefit from speaking to, or working with any other professionals or advisers we will let you know and happily refer you on. --- ## DISCIPLINARY HISTORY YOU SHOULD BE AWARE OF Zilch…. Neither The Money Men nor our advisers have been subject to a reliability event. A reliability event is something that might materially influence you in deciding whether to seek advice from me or from The Money Men. As an example, it would include legal proceedings against us, or if our directors or senior managers had been discharged from bankruptcy in the last four years. We have also not been subject to any disciplinary action, client disputes resolutions or negligence claims. --- ## COMMISSION AND INCENTIVES (How we get paid) If you take out an Insurance policy, Mortgage or join a KiwiSaver provider following our advice, The Money Men will be paid a commission from the applicable product provider (Lender, Insurance company etc). A portion of the commission is retained by The Money Men to cover business expenses and overheads, the wages of our incredible team and so on. A portion is then paid to our advisers as income. From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to events, hampers or take us out for lunch. We also have referring relationships with other companies; at times this can see us getting paid a referral fee from those businesses. This is either a flat fee or commission percentage. Any referrals will be made only upon your request and any incentives for the referral will be disclosed to you. --- ## FEES A few of the services we provide are fee based as we do not receive commission from a third party for the work that we do. This includes: - Investment advice - Wealth Mapping packages - Mortgages through some non-bank lenders (although the fee is added to the loan and not directly payable) - Mortgage applications under $250,000 Any fees will be discussed clearly with you and agreed in writing before undertaking any work on your behalf. If a client cancels a life or health insurance policy within 24 months of its start date or discharges a mortgage or loan within 27 months, The Money Men ***may*** charge a fee for the financial advice provided. This fee compensates for the time spent by the adviser and covers the original commission that The Money Men must repay to the lender or insurance provider upon cancellation. A maximum fee of $3,000 (incl. GST calculated on an average of 12 hours advice and administration at an hourly rate of $217.50 per hour plus GST). **No fee is payable if:** - The Money Men was given the opportunity but was unable to get a subsequent finance approval - No fees will apply if a new insurance policy or mortgage is obtained through The Money Men - An upfront fee was agreed and paid by the client when a mortgage was originally drawn down and no commission was received - The Money Men agrees that the early repayment of the mortgage or the cancellation of the insurance policy was driven by exceptional circumstance for the client - Cancellation is due to the replacement of a product that The Money Men also facilitates, and a new commission is then received Any applicable fees will be due by the 20th of the month following the cancellation. --- ## CONFLICTS OF INTEREST The Money Men and all of its advisers prioritise our clients' interests above their own; we follow an advice process that ensures our recommendations are made on the basis of our client's goals and circumstances. All our financial advisers undergo regular training about how to manage conflicts of interests, and the gifts and incentives we receive. We have regular internal audits to ensure the advice we provide is quality, compliant and aligns with our company values. The Money Men also undertake a compliance audit, and a review of our compliance programme is undertaken annually by a reputable compliance adviser. Above all of this, giving priority to our clients' interests is at the core of what we do; we have been in this game long enough to know that long-term relationships and doing a great job pay dividends. We don't want a transactional relationship; we want to work with you for a very long time, and hopefully your friends and family. --- ## COMPLAINTS AND DISPUTES RESOLUTION If you have a problem, concern, or complaint about any part of our service to you, or the financial products we have recommended and implemented, we ask that you please contact us in the first instance so we can try and resolve any issues. You can make a formal complaint verbally or in writing to: **Josh Farry (Financial Adviser and Director)** **josh@moneymen.co.nz** **022 313 4421** We will always try our best to resolve any issues you may have in a timely manner. However, if we cannot satisfactorily resolve the issue or you are not happy with the time in which it is taking to do so, it will then become a dispute. **The Dispute Resolution Process** - In the event of a dispute, you must notify us that the complaint has not been resolved and it is now a dispute. - We will acknowledge this and confirm in writing our internal complaints process, likely timeframes, and our Disputes Resolutions Service which you can access at any stage should you choose to. - Should we fail to handle the problem to your satisfaction within a reasonable timeframe then the product providers themselves have internal complaints handling processes which you might also wish to access. This means that if we have used a particular product that is connected to the issue at dispute, you can contact the company that issued that product and have them attempt to resolve the matter as well. - If these options fail to resolve the dispute to your satisfaction, then you may take the matter to the Insurance & Financial Services Ombudsman, of which we are a member. We are bound by the outcome of that process. You can choose to be bound by the outcome, but you can also choose to be free to pursue other legal avenues if you wish. The use of Insurance & Financial Services Ombudsman is free for you to use as we cover the cost of their services, and it can help us resolve any disagreements. You can contact them on: **Insurance & Financial Services Ombudsman** **Email:** info@ifso.nz **Phone:** 0800 888 202 (call free) **Physical Address:** Level 2, Solnet House 70 The Terrace Wellington 6143 **Postal Address:** PO Box 10-845 Wellington 6143 NEW ZEALAND --- ## PRIVACY POLICY To provide our services, we are required to obtain and hold certain information from you such as contact details, financial information and records, and medical information and records. We collect your personal information to provide advice that is correct for your situation and your needs, as well as facilitate applications for things such as insurance, mortgages and KiwiSaver. We also collect information to support in making claims against insurance policies. Besides our staff, we may share this information, only with your permission, with: - Other Financial Service Providers such as insurers, banks and KiwiSaver providers as is required to assist in obtaining an insurance policy, bank or joining a KiwiSaver provider. - Compliance advisers, assessors, regulators or any claims investigators who may need access to such information. - Other professionals or institutions such as solicitors, accountants, general insurance brokers, lenders when such services are required to complement our advice for you. - Statutory authorities. If you choose not to provide the necessary information that is required, unfortunately we'll be unable to provide our services. We keep your information safe by storing it in a secure CRM and only allowing the necessary and required staff access to this information. In accordance with the Privacy Act 2020, you have the right to ask for a copy of any personal information we hold about you, and to ask for it to be corrected if you think it is wrong. If you'd like to ask for a copy of your information, or to have it corrected, please contact us at support@moneymen.co.nz, or 0800 888 482. We keep your information for as long as you are a client of The Money Men, so we have all relevant and past information. If you cease being a client, we are obligated to hold your information on file for a period of at least seven years; however, we will retain this information until such time as any statute of limitations relating to the advice provided has passed. --- ## OUR DUTIES **We are under the watchful eye of the Financial Markets Authority (FMA).** The Money Men and anyone who gives financial advice on our behalf have duties under the Financial Markets Conduct Act 2013 relating to the way 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 that we have the expertise needed to provide you with 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). --- ## https://financeadvisers.co.nz/api/provider/FSP778693/disclosure.md > _Markdown transcription of Megan Ward Consultancy Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.meganwardconsultancy.co.nz/copy-of-colin-thoms-disclosure-stat._ --- # Public Disclosure Statement **The information provided in this disclosure document is important** --- ## Licence Status and Conditions Megan Ward Consultancy Limited (FSP778693) holds a licence issued by the Financial Markets Authority to provide financial advice. Financial DNA Limited, FSP1010171 (together Megan Ward Consultancy), is authorised by that licence to provide financial advice. --- ## Nature and Scope of the Financial Advice Given Megan Ward Consultancy Limited provides advice to our clients about their Personal Loans, Home Loans, Insurance, Investments and KiwiSaver. Product providers we are accredited with: **Home Loans** ASB, ANZ, Co-operative, SBS Bank, Avanti Finance, Liberty, Prospa, Heartland Bank and Unity Credit Union, NZCU Baywide, First Mortgage Trust. **Insurance** Asteron, Chubb, Fidelity, AIA, Partners Life, NIB, Booster. **KiwiSaver** Booster, NZ Funds, Milford, ANZ, Generate, Fisher Funds. **Managed Investments** Booster, NZ Funds. The financial advice will be based on the information you provide about your particular needs, financial situation and goals. --- ## No Fees, Expenses or Other Amounts Payable for Our Financial Advice We do not charge any fees, expenses or any other amounts for financial advice given to you. If the financial adviser recommends any products for you that do incur a fee (e.g. personal loan, Investment), you will be informed of the costs. **Early repayment fee** We may charge a fee for the financial advice provided to a client where a client repays their home loan or cancels their insurance within 28 months of settlement (home loan) or within 24 months (Insurance). This is due to the lender/insurer requiring us to repay all or part of the commission they paid us. The amount of repayment will depend on the length of time that the loan/insurance has been in place. In this event, we will invoice you for this fee, and the invoice will be due within 7 days of issue – further details will be provided by your adviser. --- ## Conflicts of Interest and Commissions or Other Incentives For home loans, KiwiSaver, Insurance and managed investments, Megan Ward Consultancy and the financial adviser receive commissions from the product providers whose products we give advice. If you decide to proceed, the product provider will pay a commission to Megan Ward Consultancy and your financial adviser. The amount of the commission is based on the amount of the loan drawn, insurance premium or funds under management. To ensure that our financial advisers prioritise the client's interest above their own, we follow an advice process that ensures our recommendations are made on the basis of the client's goals and circumstances. Our financial advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance review of our compliance processes periodically by a reputable compliance consultancy firm. --- ## Internal Complaints Process If you have a problem, concern, or complaint about any part of the financial advice you have received from us, you may contact us using any of the following means: **Megan Ward Consultancy** - By Mail: 917 North Eyre Road, RD 5, West Eyreton - Phone: 027 727 0007 - Email: [megan@meganwardconsultancy.co.nz](mailto:megan@meganwardconsultancy.co.nz) 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact Financial Services Complaints Limited. --- ## Dispute Resolution Process If our internal complaints process does not resolve your complaint to your satisfaction, you can contact our external independent dispute resolution scheme. This service is free and may help investigate or resolve the complaint. We are a member of the Financial Services Complaints Limited's approved dispute resolution scheme. You can contact Financial Services Complaints Limited at: **Financial Services Complaints Limited** Level 4, Sybase House, 101 Lambton Quay, Wellington 6011 Telephone: 0800 347 257 or +64 4 472 3725 Postal: PO Box 5697, Wellington 6140 Email: [complaints@fscl.org.nz](mailto:complaints@fscl.org.nz) Website: [www.fscl.org.nz](http://www.fscl.org.nz) --- ## Our Duties Megan Ward Consultancy 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 isn't 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). The Code of Conduct standards can be read here: [https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf](https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf) --- ## Contact Details Megan Ward Consultancy (FSP778693) is the Licensed Financial Advice Provider. **Megan Ward Consultancy** 917 North Eyre Road, RD 5, West Eyreton Phone: 027 727 0007 Email: [megan@meganwardconsultancy.co.nz](mailto:megan@meganwardconsultancy.co.nz) This information is available in writing upon request. --- ## https://financeadvisers.co.nz/api/provider/FSP7841/disclosure.md > _Markdown transcription of Jri Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.jri.co.nz/disclosure-information._ --- # Public Disclosure Statement ## Licensing Information JRI Limited (FSP7841) is a licensed Financial Advice Provider (FAP) regulated by the Financial Markets Authority (FMA) to provide financial advice services in New Zealand. JRI Life Limited (FSP776171) is an authorised body under JRI Limited's FAP, and is licenced to provide financial advice services in New Zealand. --- ## Nature and Scope of the Advice JRI provides advice on the following classes of insurance products: ### General Insurance (Personal and Commercial) - Business insurance - Home and contents insurance - Vehicle insurance - Watercraft and boat insurance - Marine insurance ### Life and Health (Personal Risk) Insurance - Life insurance - Medical insurance - Accidental death insurance - Disability income protection insurance - Trauma insurance - Total and permanent disablement insurance - Business overheads insurance - Mortgage protection insurance The full list of insurers JRI has business relationships with and whose products it can advise on is available at: https://www.jri.co.nz/insurer-information --- ## Fees/Expenses We may charge a fee for the financial advice and services we provide. We have a standardised fee structure — the amount will depend on the nature and complexity of the advice. Complete fees information is available at: https://www.jri.co.nz/remuneration-and-fees If fees apply to your policy, the exact amount will be disclosed before we provide the service. When paying for your insurance, you can choose to pay your premium monthly over the term (premium funding). In this case we receive a commission up to **5%** of the premium. There is also a non-refundable, one-off administration fee from **$20.00**. You will receive a quote from the premium funder that details these expenses. Premium funding information is available at: https://www.jri.co.nz/about-jri/premium-funding-what-expect If you choose to pay your premium by credit card, a **2.2% credit card fee** will apply (charged by your provider). --- ## Commissions, Conflicts of Interest, and Incentives Our advisers are salaried employees, and their salaries are not influenced by the insurance products you choose. Commissions are paid by insurers to JRI Limited and JRI Life Limited when we place insurance business with them. These commissions help fund our operations, including paying staff salaries. The amount of commission is calculated as a proportion of the insurance premium, and varies depending on the insurer and product. All commission rates for insurers are available at: https://www.jri.co.nz/insurer-information If you choose to pay your premium over instalments through a premium funder, JRI is also paid a commission. This is usually **3.65%** of the premium, but not over **5%**. Premium funding information is available at: https://www.jri.co.nz/about-jri/premium-funding-what-expect We will provide specific information about commission relevant to your situation as part of the advice process. From time to time, we may also receive non-monetary benefits from product providers. These may include training, software, office supplies, small gifts (e.g. calendars or wine), or hospitality (e.g. meals or invitations to events). These do not influence the advice we provide. To ensure our advisers always prioritise your interests: - We follow a structured advice process based on your needs and goals. - Our advisers receive annual training on how to identify and manage conflicts of interest. - We maintain a register to record conflicts of interest and gifts received, and this is regularly monitored and reviewed. --- ## Complaints Handling and Dispute Resolution If you are not satisfied with our service or advice, please let us know as soon as possible. **Phone:** (06) 758 8440, or 0800 758 8440 **Email:** admin@jri.co.nz **Post:** General Manager, JRI Ltd., PO Box 4234, New Plymouth 4340 We'll work with you to find a quick and fair resolution. The complete complaints and dispute resolution process, including contact details for the external dispute resolution scheme, is available at: https://www.jri.co.nz/disclosure-statement/complaints-handling-and-dispute-resolution **External Dispute Resolution Scheme:** Financial Dispute Resolution Service (https://fdrs.org.nz/) --- ## Duties Information JRI and its advisers have duties under the Financial Markets Conduct Act 2013. We are required to: - Always give priority to your interests and manage any conflicts professionally and transparently. - Exercise care, diligence, and skill. - Meet standards of competence, knowledge, and skill set by the Code of Professional Conduct for Financial Advice Services (Code of Conduct). - Meet standards of ethical behaviour, conduct, and client care set by the Code of Conduct. --- ## Contact Details **JRI Limited (FSP7841) and JRI Life Limited (FSP776171)** **Phone:** 0800 746 457 **Email:** admin@jri.co.nz **Post:** PO Box 4234, New Plymouth 4340 --- All of the information in this statement is available in writing at any time on request. A PDF version is available at: https://www.jri.co.nz/sites/default/files/files/JRI%20Public%20Disclosure%20Statement.pdf *This information was last updated April 2026.* --- ## Linked Sub-Documents The following documents are referenced from this disclosure statement but their content is not reproduced here: - **Insurer list and commission rates:** https://www.jri.co.nz/insurer-information - **Fees and remuneration schedule:** https://www.jri.co.nz/remuneration-and-fees - **Premium funding information:** https://www.jri.co.nz/about-jri/premium-funding-what-expect - **Complaints handling and dispute resolution process:** https://www.jri.co.nz/disclosure-statement/complaints-handling-and-dispute-resolution - **JRI Ltd Terms of Business:** https://www.jri.co.nz/insurance/jri-limited-terms-business - **Privacy Statement:** https://www.jri.co.nz/disclosure-statements/privacy-statement - **PDF version of this disclosure:** https://www.jri.co.nz/sites/default/files/files/JRI%20Public%20Disclosure%20Statement.pdf --- ## https://financeadvisers.co.nz/api/provider/FSP79361/disclosure.md > _Markdown transcription of Dawson Insurance Brokers Limited's Public Disclosure Statement, version 2026-05-24. Source: https://www.dawson.co.nz/disclosure._ --- # Disclosure — Dawson Insurance Brokers Ltd --- ## Compliments & Complaints At Dawson Insurance Brokers Ltd we pride ourselves in providing Financial Advice for Insurance Products to our Clients in accordance with the Standards of the Code of Professional Conduct for Financial Advice Services for Ethical Behaviour, Conduct and Client Care. Your feedback is important to us, so whether you'd like to give us a compliment or have a complaint, we'd love to hear from you. ### For a compliment It's always nice to hear a compliment first hand, so, if we've done a particularly great job either tell your Dawson Insurance Brokers Ltd contact directly or send us an email to [brokers@dawson.co.nz](mailto:brokers@dawson.co.nz). ### For a complaint You can make a complaint with our team by either calling us, using our online form or writing to us. We will review your feedback then work with you to find a solution. ### Call Us Speak to our team on **0800 32 00 32** Monday – Friday 8:30am – 5:00pm ### Use our online form Make a complaint by using our online complaint form. Lodge a complaint online at: [https://dawson.formsbyair.com/forms/DawsonComplaintsForm](https://dawson.formsbyair.com/forms/DawsonComplaintsForm) ### Write to Us Send your complaint by email or mail to: - **Email:** [brokers@dawson.co.nz](mailto:brokers@dawson.co.nz) - **Mail:** P O Box 949, Rotorua, 3040 --- ## After you lodge a complaint Once you've lodged a complaint: - However you choose to contact us we will acknowledge your complaint and you will receive our Internal Complaints Process within 2 working days. - We will contact you for more information. - We will approach all complaints with an open mind, listen and treat each complainant as an individual and with courtesy and respect. - We will try to resolve your complaint quickly. - You will receive a written decision, remedies and resolution as soon as practicable. --- ## What should I do if I'm not satisfied after making a complaint? If you feel your complaint is not resolved to your satisfaction, you can contact **Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service**, a dispute resolution scheme who we are a member of. This service will cost you nothing and is an independent service that will help investigate or resolve the complaint. You will need to contact FSCL within three months, otherwise FSCL won't be able to investigate your complaint. How to make a complaint to FSCL: [http://www.fscl.org.nz/complaints/how-make-complaint](http://www.fscl.org.nz/complaints/how-make-complaint) You can also contact FSCL at: - **Postal Address:** P O Box 5967, Wellington, 6140 - **Email:** [complaints@fscl.org.nz](mailto:complaints@fscl.org.nz) - **Phone:** 0800 347 257 - **Website:** [https://fscl.org.nz/](https://fscl.org.nz/) --- ## Client Service Statement ### 01 — Our Commitment To provide suitable Financial Advice for Insurance Products for our Clients in accordance with the Code of Professional Conduct for Financial Advice Services for Ethical Behaviour, Conduct and Client Care. We will strive to give you the right solutions and support that you need. ### 02 — Treat Clients Fairly We will always treat you respectfully and provide professional, prompt and friendly service while also considering your views, concerns and preferences. ### 03 — Act with Integrity We will build a relationship with you based on trust and integrity while doing what is best for you at all times. ### 04 — Give Advice that is suitable Once we have got to know you and your specific requirements, we will focus our efforts on seeking products or services that meet your needs and explain to you why we recommend any product or service. ### 05 — Ensure that the Client understands the Financial Advice Our communication will be clear and concise, and it will outline our discussions and agreements. ### 06 — Protect Client Information We will protect the information you give us, and only use it for the reasons it was collected. --- ## Linked Sub-Documents The following documents are referenced on this page but their content is not reproduced here: - **Company Disclosure Statement:** `https://www.dawson.co.nz/api/document/company-disclosure-statement` - **Privacy Statement:** `https://www.dawson.co.nz/api/document/privacy-statement` - **Client Service Statement (downloadable):** `https://www.dawson.co.nz/api/document/client-service-statement` --- ## https://financeadvisers.co.nz/api/provider/FSP81063/disclosure.md > _Markdown transcription of Prosper Group Limited's Public Disclosure Statement, version 2026-05-24. Source: https://prospergroup.co.nz/disclosure-information/._ --- # Public Disclosure — Prosper Group When you work with Prosper Group you can be confident you're dealing with a slick operation that meets all of the regulatory guidelines. Prosper Group Limited (FSP81063), trading as Prosper Group holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice. We know all the rules and regulations inside out, and we stick to them. There are also some associated companies approved by Prosper Group (Authorised Bodies) who operate and give advice under our transitional licence. --- ## About Our Business Prosper Group Limited FSP81063 (trading as Prosper Group) is a membership group of financial services businesses and financial advisers. Members pay fees to be a member of our group and for the services they receive from us. - Business members of Prosper Group provide financial advice to their clients and may trade under their own business name or brand. - Individual financial advisers who provide financial advice directly on behalf of Prosper Group will provide financial advice under the Prosper Group name and brand. --- ## Licence Status and Conditions Prosper Group Limited FSP81063 (trading as Prosper Group) holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice. Some members of Prosper Group are authorised under this licence and some members have their own licence from the FMA. --- ## Authorised Bodies The conditions on our licence authorise specific members of Prosper Group to provide financial advice under Prosper Group's licence from the FMA. These businesses are called 'Authorised Bodies'. - A full list of the Authorised Bodies is located on the FSPR (search 'Prosper Group Limited' and view the list of Authorised Bodies under the 'Financial Services' tab). --- ## Own Licences Some Prosper Group members are authorised to provide financial advice under their own licence from the FMA. These members receive services from Prosper Group which may include access to product providers, IT support, compliance reviews, marketing assistance etc. --- ## Contact Details Prosper Group Limited (FSP81063, trading as Prosper Group) is the Licensed Financial Advice Provider. | | | |---|---| | **Licensee Name** | Prosper Group Limited | | **Address** | Unit L1, 4 Antares Place, Rosedale North Shore City 0632 | | **Postal Address** | PO Box 156, Greenhithe, Auckland 0756 | | **Phone Number** | 09 478 0170 or 0800 277 677 | | **Email** | compliance@prospergroup.co.nz | | **Web Address** | www.prospergroup.co.nz | --- ## Nature and Scope of the Financial Advice Given Prosper Group members provide financial advice to their clients about their life, disability and health insurances; home loans, KiwiSaver and investments. Each authorised body and/or financial adviser has their own area of financial expertise they advise on and will be accredited with a range of product providers. Please review the information provided on our website about each member to locate a financial adviser that best suits your needs. From there they will discuss their areas of expertise and range of providers. --- ## Product Providers We Work With As noted above, your financial adviser will confirm which product providers they are accredited with; this will be detailed within the Client Agreement between the client(s) and adviser or disclosed during the process of giving the required service and advice. Common providers that advisers are accredited with or whose products they advise on include: | Category | Providers | |---|---| | **Life Insurance** | AIA, AMP, Asteron Life, Chubb, Fidelity Life and Partners Life | | **Health Insurance** | AIA, Acurro, Nib, Partners Life and Southern Cross | | **KiwiSaver** | Booster, Generate, Fisher Funds, Select Wealth Management, ANZ | | **Investment** | Booster, Generate, Fisher Funds, Lifetime Retirement Income, Select Wealth Management, ANZ. There may be other investment products that do not require agency that may be advised on. | | **Lenders** | ANZ, ASAP Finance, ASB, Avanti Finance, Basecorp Finance, BNZ, Cressida Capital, DBR, First Mortgage Trust, Funding Partners, Heartland Bank, NZCU, Liberty Finance, Lock Finance, NZCU, Pepper Money, Plus Finance, Prospa, SBS Bank, Southern Cross Partners, Go Home Loans, The Cooperative Bank, and Westpac | --- ## Fees or Expenses ### Lending and Insurances Prosper Group generally does not charge fees, expenses, or any other amount for the initial lending or insurance advice provided to clients. Prosper Group and the acting financial adviser **may** charge a service fee where a client cancels a loan or a life or health insurance policy within two years of inception. A service fee may also be agreed to when there is no provider remuneration to the acting adviser. Whether a service fee will be charged and the way it will be charged will be advised and agreed to prior to or at the time when the advice is provided to the client. ### KiwiSaver Prosper Group generally does not charge fees, expenses, or any other amount for the initial KiwiSaver advice provided to clients. Prosper Group and the acting financial adviser **may** charge a service fee where there is no provider remuneration to the acting adviser. If a service fee is required, the way it will be charged will be advised and agreed to prior to any commitment from a client. ### Investments For investment advice, Prosper Group and the acting financial adviser **may** charge a service fee. Whether a service fee will be charged and the way it will be charged will be advised and agreed to prior to any commitment from a client. --- ## How We Are Remunerated Prosper Group and the acting financial adviser receive commissions or fees from the product providers on whose products we give advice. If you decide to take out insurance, home loan or invest in a KiwiSaver or investment product, the product provider will pay a commission or fee to Prosper Group and your financial adviser. The amount of the commission or fee is based on the amount of the product, and its specific attributes. Further information will be disclosed during the process of giving the required service and advice. --- ## How We Manage Conflicts of Interest and/or Incentives To ensure that our financial advisers prioritise the client's interest above their own, we follow an advice process that ensures our recommendations are made based on the client's goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake regular compliance audits and obtain an independent review of our compliance programme annually by a reputable compliance consultancy firm. 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, conferences, hampers, or other small incentives. Prosper Group has a Gift Policy which limits the value of these types of gifts. --- ## Our Duties Prosper Group, 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 isn't 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). The Code of Conduct standards can be read here: [https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf](https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf) --- ## Internal Complaints Process If you have a problem, concern, or complaint about any part of the financial advice or service you have received from us, you may contact us using any of the following means: | | | |---|---| | **In writing:** | Complaints Officer, Prosper Group Limited, PO Box 156, Greenhithe, Auckland 0756 | | **By telephone:** | 09 478 0170 or 0800 277 677 | | **By email:** | compliance@prospergroup.co.nz | 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 cannot, 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 aren't satisfied with the way we propose to do so, you can contact Financial Disputes Resolution Scheme. --- ## Dispute Resolution Process We are a member of the Financial Disputes Resolution Scheme, an approved dispute resolution scheme. If our internal complaints process does not resolve your complaint to your satisfaction, you can contact our external independent dispute resolution scheme. This service is free and may help investigate or resolve the complaint. | | | |---|---| | **Company Name:** | Financial Disputes Resolution Service | | **Address:** | Level 4, 142 Lambton Quay, Wellington Central, Wellington 6011 | | **Postal Address:** | Freepost 231075, PO Box 2272, Wellington 6140 | | **Telephone:** | 0508 337 337 or 04 381 5047 | | **Email:** | enquiries@fdrs.org.nz | | **Website:** | [https://fdrs.org.nz/](https://fdrs.org.nz/) | --- ## Linked Sub-Documents - [Public Disclosure Statement (PDF download)](http://prospergroup.co.nz/wp-content/uploads/2021/08/13.07.21-Disclosure-of-publicly-available-information-Prosper-Group.pdf) — a downloadable copy of the public disclosure document is available at this link. Content of that document has not been reproduced independently above; the page content above reflects the current web page disclosure only. --- ## https://financeadvisers.co.nz/api/provider/FSP81241/disclosure.md > _Markdown transcription of Spratt Financial Services 2004 Limited's Public Disclosure Statement, version 2026-05-18. Source: https://www.spratt.co.nz/wp-content/uploads/2026/03/craig-spratt-disclosure.pdf._ --- # DISCLOSURE PROCESS FOR CRAIG SPRATT, INSURANCE ADVISER, SPRATT FINANCIAL SERVICES FSP110358 Craig is an Insurance adviser and advises on Life, Health and Disability Insurance. Spratt Financial Services 2004 Ltd (FSP81241) holds a licence issued by the Financial Markets Authority to provide financial advice. Spratt Financial Services 2004 Ltd provides advice to our clients about their, life insurance and health insurance. Our financial advisers provide financial advice in relation to, life insurance and health insurance. We provide financial advice about products from certain providers: For life insurance, we work with the following companies, American International Assurance (AIA), Asteron Life, Chubb Life, Fidelity Life, Partners Life and Resolution Life. For health insurance, we work with nib Health, Southern Cross Healthcare, AIA Life. In providing you with financial advice, we will only consider existing term life, trauma, income protection and health insurance policies (if any). We will not provide advice on existing whole of life or endowment products, so you will need to consult a specialist if you would like advice on those products. ## FEES OR EXPENSES: Spratt Financial Services does not charge fees, expenses or any other amount for the financial advice provided to its clients. ## CONFLICTS OF INTEREST AND INCENTIVES: Spratt Financial Services 2004 Ltd receives commissions from the providers on whose products we give financial advice (the insurers). If you decide to take out insurance, the provider will pay a commission to Spratt Financial Services. The financial advisers are salaried employees. The amount of commission is based on the amount of the premium. From time to time, product providers may also reward us for the overall business we provide to them. We do not accept these offers which are typically tickets to sports events, hampers, or other incentives. To ensure that our financial advisers prioritise the client's interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the client's goals and circumstances. All our financial advisers undergo annual training about how to identify and manage conflicts of interest. We maintain registers of conflicts of interests and incentives we are offered. Spratt Financial Services 2004 Ltd monitor this register and provides additional training where necessary, as well as performing 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 emailing: [complaints@sprattfinancial.co.nz](mailto:complaints@sprattfinancial.co.nz), or by calling: Allan Mearns on 09 307 8200 or 021 422 821 You can also write to us at: Spratt Financial Services PO Box 99-481 Newmarket 1149 Auckland 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 can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact: The Insurance & Financial Services Ombudsman Scheme Inc. L2, Solnet House, 70 The Terrace, Wellington 6143 0800 888 202 [http://www.ifso.nz](http://www.ifso.nz) The Insurance & Financial Services Ombudsman Scheme Inc. provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we haven't been able to resolve your complaint to your satisfaction. ## DUTIES INFORMATION: Spratt Financial Services 2004 Ltd, 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 isn't 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 [https://www.fma.govt.nz](https://www.fma.govt.nz). ## CONTACT DETAILS: Spratt Financial Services 2004 Ltd (FSP 81241) is the Financial Advice Provider. You can contact us at: Phone: 09 307 8200 or (021) 935 788 Email: [craig.spratt@sprattfinancial.co.nz](mailto:craig.spratt@sprattfinancial.co.nz) Address: Level 1, 3 Morton Street, Auckland 1010. --- Spratt Financial Services 2004 Limited, Spratt Financial Centre, 3 Morton Street, P.O. Box 99 481, Newmarket, Auckland, 1149, New Zealand Telephone: (09) 307 8200, Fax: (09) 307 8204, E-mail: [enquiry@spratt.co.nz](mailto:enquiry@spratt.co.nz), Website: [www.spratt.co.nz](http://www.spratt.co.nz) --- ## https://financeadvisers.co.nz/api/provider/FSP83083/disclosure.md > _Markdown transcription of First Capital Financial Services Limited's Public Disclosure Statement, version 2026-05-24. Source: https://firstcapital.co.nz/disclosure-policies/._ --- # Public Disclosure Statement **First Capital Financial Services Limited – Financial Adviser Provider (FAP)** Level 1, 151 Cambridge Terrace, Christchurch 8013 / PO Box 284, Christchurch 8140 --- **Phone:** 0800 525 515 **Email:** [compliance@firstcapital.co.nz](mailto:compliance@firstcapital.co.nz) **This disclosure statement was prepared on October 14, 2025** --- ## Licence Information First Capital Financial Services Limited (FSP83083) is a FAP, licenced and regulated by the Financial Markets Authority to provide financial advice. This licence was granted on 29 June 2020 as per clause 73 of Schedule 4 of the Financial Markets Conduct Act 2013. First Capital is a Gallagher Company owned by Arthur J. Gallagher & Co. --- ## Nature and Scope of Advice The types of advice that First Capital Financial Services can give, together with the products on which it can advise, can be viewed in the appendix (see link below). First Capital does not have any material limitations on products that can be advised on with the exception of: - Products used in implementing client investment portfolios will be limited to those products/managers approved by the First Capital Investment Committee. - Products used in the advice for risk management will be limited to products with a strong financial strength rating. See [Appendix of all products and providers](https://firstcapital.co.nz/disclosure-policies/disclosure-appendix/). --- ## Fees First Capital may charge fees for advising and/or implementing and managing different services/products. The fee will depend on the nature of our financial advice and service. Investment clients will be charged fees for using the investment platform. These fees will include the advice provided, an establishment fee, and an annual monitoring fee. Insurance clients will need to pay premiums to insurance providers if proceeding with an insurance policy. If any fees are to be paid, they will be confirmed in writing once the nature and scope of the service are known. --- ## Commission First Capital receives commissions from insurance companies about whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to First Capital. The amount of the commission is based on the amount of the premium. --- ## Conflicts of Interest and Incentives First Capital has no preferential terms (other than those readily offered to other market participants) or production performance agreements with any product provider. First Capital has no commercial relationships or contractual arrangements presenting any material conflict of interest. Our advisers receive a salary as an employee of First Capital. They do not receive any other incentives or commissions based on the financial advice they provide. --- ## Complaints Handling and Dispute Resolution If you have a problem, concern, or complaint about any part of our service, please let us know immediately by contacting our Compliance Officer, **Lachie Gunn**, at First Capital ([compliance@firstcapital.co.nz](mailto:compliance@firstcapital.co.nz)). First Capital has an internal complaints process and takes care of your concerns quickly and fairly. If we cannot agree on how to resolve the issue or decide not to use the internal complaints process, you can contact the firm's approved dispute resolution scheme, the **Insurance and Financial Services Ombudsman (IFSO)**. IFSO provides a free and independent dispute resolution service that may help to resolve your complaint and will help us resolve any disagreements. You can contact IFSO at: > Office of the IFSO, PO Box 10485, Wellington 6143 > **Telephone:** 0800 888 202 > **Fax:** 04 499 7614 > **Website:** [https://www.ifso.nz/](https://www.ifso.nz/) --- ## Duties Information First Capital and our advisers have duties under the Financial Markets Conduct Act 2013 relating to how we give advice. We are bound by duties to: - Meet the standards of competence, knowledge and skill set out in the [Code of Conduct](https://financialadvicecode.govt.nz/). - Give priority to the client's interests. - Exercise care, diligence, and skill. - Meet the standards of ethical behaviour, conduct and client care. If you have a question about anything in this disclosure statement or want to know more, please contact First Capital at the address above. --- ## Ownership Disclosure First Capital is a Gallagher Company owned by **Arthur J. Gallagher & Co.** --- ## Linked Documents - [Download the Disclosure Statement as PDF](https://firstcapital.co.nz/wp-content/uploads/2026/05/FCFS-Public-Disclosure.pdf) - [Appendix of all products and providers](https://firstcapital.co.nz/disclosure-policies/disclosure-appendix/) - [Privacy Policy](https://firstcapital.co.nz/wp-content/uploads/2026/05/Privacy-Policy-for-Website.pdf) --- ## https://financeadvisers.co.nz/api/provider/FSP92941/disclosure.md > _Markdown transcription of Adams Trimmer Insurance (1992) Limited's Public Disclosure Statement, version 2026-05-18. Source: https://adamstrimmer.co.nz/wp-content/uploads/2021/04/Financial-Adviser-Disclosure-Statement-Terms-of-Trade-David-Wech.pdf._ --- # Financial Adviser Disclosure Statement ## WHO AM I? **Name of Financial Adviser:** David James Wech **Financial Advice Provider:** ADAMS TRIMMER INSURANCE (1992) LTD **Telephone Number:** 09 470 2247 or 027 2260681 **Physical Address:** 2/2 James Street, Whangarei **Postal Address:** PO Box 1144, Whangarei, 0140 **Email address:** david@adamstrimmer.co.nz **Website:** https://adamstrimmer.co.nz ## IT IS IMPORTANT THAT YOU READ THIS INFORMATION It will help you (the client) make an informed decision whether I as a financial adviser that gives advice for products, are suitable for your needs and whether to seek, follow or accept the financial advice I give. This Disclosure Statement is required under the Financial Markets Conduct (Regulated financial advice Disclosure) Amendment Regulations 2020. ## WHAT SORT OF ADVISER AM I? I am a Financial Adviser (FA) that gives advice on behalf of Adams Trimmer Insurance (1992) Ltd who is a licensed Financial Advice Provider. Adams Trimmer Insurance (1992) Ltd holds a licence issued by the Financial Markets Authority (FMA) to provide a financial advice service (being the provision of financial advice on fire and general, life and health insurance products. Under this licence, we may only provide you financial advice in relation to fire and general, life and health insurance products. Adams Trimmer Insurance (1992) Ltd is a Financial Advice Provider under the licence. The licence came into effect when the Financial Services Legislation Amendment Act 2019 (FSLAA) came into force on 15 March 2021. I am committed to providing our clients with good financial advice that is suitable for our client's needs. I only provide financial advice on Insurance Products. ## WHAT FINANCIAL ADVICE CAN WE PROVIDE TO YOU? I can give financial advice on Insurance Products for Commercial and Domestic Clients. Our Insurance product providers are Insurance businesses in New Zealand that are licensed under 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. You may view the Insurer ratings at https://www.rbnz.govt.nz/regulation-and-supervision/insurers/licensing/register. Adams Trimmer Insurance (1992) Ltd's 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 I am committed to providing my clients with good financial advice that is suitable for my client's needs. I only provide financial advice on Insurance Products. ## WHAT FEES DO WE CHARGE? 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 you choose to accept and purchase. The total fees payable may increase with the number of insurance policies that you choose to purchase. The fees are payable by you and are due by the effective date of the policy which is on the invoice. ## HOW DO WE ACT WITH INTEGRITY? To ensure that I prioritise your interests above my own, I follow an advice process that ensures recommendations are made on the basis of your individual goals and circumstances. I complete annual and ongoing training about how to manage conflict of interests and a register of interests is maintained. Adams Trimmer Insurance (1992) Ltd monitors these registers and provides additional training where necessary. Adams Trimmer Insurance (1992) Ltd performs an annual review of the compliance programme. You should be aware 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. Some examples of conflict include that we get paid in commission (outlined below). We may also receive general gifts (lunches/drinks) from insurance companies and underwriting agencies. These in no way impact our decision in insurance placement and I will make you aware of any conflicts over these when giving advice. ## HOW DO WE GET PAID FOR THE FINANCIAL ADVICE AND PRODUCTS THAT WE PROVIDE TO YOU? Adams Trimmer Insurance (1992) Ltd and I do not receive any commission or other incentives for giving Financial Advice. Adams Trimmer Insurance (1992) Ltd receives commission 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 can be between the range of 0-30% of the insurer portion (total premium of the Insurance Policy less government levies and taxes). ### NZbrokers Management Limited Adams Trimmer Insurance (1992) Ltd 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 Adams Trimmer Insurance (1992) Ltd. When a client accepts our financial advice as your adviser and purchases a policy NZbrokers may receive a service fee or technology fee from the Product Provider. ## HOW TO MAKE A COMPLAINT If you have a problem, concerns or you are dissatisfied with either a product or financial advice Service that has been provided by Adams Trimmer Insurance (1992) Ltd or myself and you require action to be taken please tell us so that we can help and fix the issue. To make a Complaint please go to our website – https://adamstrimmer.co.nz/client-resources/ which will give details on our Complaints Process and how to make a Complaint. If a complaint is received Adams Trimmer Insurance (1992) Ltd 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 every attempt will be made to resolve your complaint in a timely manner, with staff escalating as necessary to Senior Management or our 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 Adams Trimmer Insurance (1992) Ltd complaints process, or you are unsatisfied with the response or resolution, you can contact 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. To find out how to make a complaint to Financial Services Complaints Limited go to http://www.fscl.org.nz/complaints/how-make-complaint **You can contact FSCL at:** **Postal Address:** P.O. Box 5967, Wellington 6145 **Email:** info@fscl.org.nz **Telephone:** 0800 347 257 **Website:** http://www.fscl.org.nz/ ## WHAT ARE MY DUTIES AS AN ADVISER? As a financial adviser I give financial advice to clients on Adams Trimmer Insurance (1992) Ltds behalf, when giving advice I 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 and have Ethical behaviour, good conduct and provide client Care. https://www.mbie.govt.nz/assets/a96d1b4800/code-of-professional-conduct-for-financial-advice-services.pdf - Listen to the client carefully to discover their needs. - Recommend products or services that meet the client needs and explain why. - Give clear and concise communication. - Protect clients' 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 at: https://www.fma.govt.nz/contact/ or email questions@fma.govt.nz but if you want to complain you should 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? --- # OUR TERMS OF TRADE ## 1.0 DEFINITIONS | Term | Definition | |------|-----------| | **1.1 Company** | means ADAMS TRIMMER INSURANCE (1992) LTD | | **1.2 Insurer** | means the provider of the insurance policy or product. | | **1.3 Client** | means the person, company obtaining advice on insurance products and services. | | **1.4 Premium** | is the charge of the policy. | | **1.5 Insurance Policy** | is the Insurance product provided to the client and combines the policy document, insurance schedule and application form. | | **1.6 Contract** | is the agreement by the client to pay the premium in exchange for advice from the company and for the insurer to provide cover as set out in the Insurer policy document. | | **1.7 Period** | means the dates the policy applies to. | ## 2.0 YOUR CLIENT RESPONSIBILITIES | Clause | Responsibility | |--------|-----------------| | **2.1** | The client must pay the Premium by the due date as set out below. | | **2.2** | The client must provide all relevant information to the company. | | **2.3** | The client must inform the company of any material change during the period of this contract. | | **2.4** | If the client fails to follow these responsibilities it may invalidate the policy. | ## 3.0 OUR COMPANY RESPONSIBILITIES | Clause | Responsibility | |--------|-----------------| | **3.1** | The Company will provide insurance broking services with reasonable care, integrity and skill and as defined by the Code of Conduct. All representations made (whether express or implied) and all other implied conditions, warranties and terms as to the provision of the services are otherwise excluded to the extent permitted by law. | | **3.2** | The Company will forward payments received to the Insurer as per the Insurance intermediaries Act 1994. | | **3.3** | The Company and Insurer will keep all client information confidential and will use it for the sole purpose of which it was disclosed in line with the Privacy Act. | | **3.4** | The company may correspond with you by electronic communication which may not always be secure and may be read, copied or interfered with in transit. We are not responsible for risks associated with electronic communication. | ## 4.0 COMMISSIONS AND FEES | Clause | Details | |--------|---------| | **4.1** | The Company will receive commission from Insurers. | | **4.2** | We may alternatively or in addition charge a Policy Administration Charge and or Broker Fee for our services. | | **4.3** | Unless mandated by law, commissions and any fee earned on policies are deemed to be earned at the inception of the policy. | ## 5.0 PAYMENT, LATE PAYMENT, DEFAULT OF PAYMENT AND CONSEQUENCES OF DEFAULT OF PAYMENT | Clause | Details | |--------|---------| | **5.1** | For Fire & General Insurance, the method of payment will be made by direct credit, credit card or as arranged through an agreed Premium Funding company. For Life & Health Products, payment will be made by direct debit or credit card authority directly with the insurer. | | **5.2** | Payment in full of outstanding amounts shall be received no later than the 20th of the following month from the invoice date or by the effective/inception date of the cover, whichever is the later, unless specific written agreement to the contrary. | | **5.3** | If the payment remains outstanding further to the above, then your policy may be cancelled and be null and void. Any claim on the Insurer could be invalid. | | **5.4** | Credit Card payments are subject to a surcharge, which will be advised when you make your payment. | | **5.5** | Premium Funding can be arranged at the client's option. This will be arranged via a third-party provider and be subject to their terms and conditions. | | **5.6** | Any invoices that are billed outside of the Premium funding arrangement are subject to be paid as stated above in Clause 5.2. | ## 6.0 CANCELLATION | Clause | Details | |--------|---------| | **6.1** | The Client is able to cancel a policy(ies) with the Insurer at any time by providing written notice to the company. | | **6.2** | If the Company and/or Insurer are unable to continue to offer the policy and/or services to the client, we will provide written notice subject to the Insurance policy. | | **6.3** | Commission earned and/or fee charged for the Companies services are considered to be earned at the time the insurance cover is placed and are not refundable in the event the cover is terminated early. Any refunds created by the cancellation of a policy either by the Client or the Company or the Insurer will only be paid back to the Client once any outstanding premiums have been received from the Insurer. | --- **THIS DISCLOSURE STATEMENT WAS PREPARED ON:** 11TH MARCH, 2021 --- ## https://financeadvisers.co.nz/api/provider/FSP93061/disclosure.md > _Markdown transcription of Shaw And Partners Financial Services Limited's Public Disclosure Statement, version 2026-05-18. Source: http://www.shawandpartners.co.nz/assets/Uploads/Shaw-Wellington-DS-Final.pdf._ --- # Shaw and Partners (Wellington) Financial Advice Disclosure Statement ## 1 April 2026 ## Licensing Information Shaw and Partners Financial Services (Wellington) Limited (FSP1004628), referred to as ('Shaw and Partners (Wellington)', 'we' or 'our' or 'us'), holds a licence issued by the Financial Markets Authority to provide financial advice. The two Advisers linked to this licence are Dave Isaacs and John Makowem. ## Nature and Scope of the Advice We provide financial advice to our clients about their investments, insurances and retirement in relation to: - Investment portfolio management through Custodial Services, which include Managed Funds, Unit Trusts, ETFs, some bonds and fixed interest investments, and some shares - KiwiSaver and Superannuation - Combined risk and savings - Personal risk insurance, including but not limited to life, trauma and income protection insurance - Business risk insurance, including but not limited to key person and shareholder protection insurance - Medical insurance We provide comprehensive retirement planning, investment planning, and personal and business insurance planning services. We do not provide tax, accounting, or legal advice or estate planning services. We also provide financial advice about placing investments with most product providers via a Custodial Trading Account. However, we only provide financial advice in relation to insurance and KiwiSaver offered by certain providers: - For insurance products it works with the following suppliers – AIA, Asteron Life Limited, Chubb Life, Fidelity Life Assurance Company Limited, Partners Life, NIB and Unimed. - For KiwiSaver we have preferred supplier arrangements with – AMP, ANZ Investments, Booster, Fisher Funds, Generate, Milford and Pathfinder. ## Fees, Expenses, or Other Amounts Payable For investment advice, we charge a fee for any financial advice provided to a client. In the case of ongoing Portfolio management and administration, most fees will be deducted from the client's Custodial Account on a monthly basis. From time to time, for work outside of the above scope, the fees involved may be invoiced directly to the client. Under these circumstances, the client will always be made aware of and understand the cost before any work is undertaken. In some cases, fee discounts will be negotiated with fund managers. It is our policy to pass these discounts back to the client in the form of a rebate to the clients Custodial Account. Each client's written financial plan outlines all relevant fees for the services we have agreed to provide. No portfolio will be established before you are fully aware of all fees and charges that will be applicable to your specific portfolio. ### Fee Schedule For clients who have a Portfolio managed through an Administrator, including Custodial Services, the following fees will apply: | Type of fee | Maximum fee payable | |---|---| | Preparation of financial plan | A maximum of $2,500 + GST | | Establishment fee | A maximum of $500 + GST | | Adviser annual monitoring fee | A maximum of 0.80% per annum of funds under management + GST if applicable | | Hourly rate | $200 per hour + GST | In many cases, the actual fees will be lower than the maximums outlined above and under certain circumstances some of these fees may be waived or rebated back to the client. ## Conflicts of Interest and Commissions or Other Incentives We are a wholly owned subsidiary of Shaw and Partners Financial Services Limited (Shaw and Partners), who along with Clarity Funds Management Limited (Clarity), TAHITO Limited (TAHITO), Select Wealth Management Limited (Select) and Devon Funds Management Limited (Devon), are all wholly owned subsidiaries of the Investment Services Group Limited (ISG). Shaw and Partners are a licensed financial advice provider. Clarity is the licenced manager of the Clarity Funds Scheme, Daintree Funds Scheme and the Nanuk Funds Scheme. Devon is the licenced manager of the Devon Investment Funds and the Artesian Funds Schemes. Select is the licenced provider of the Select Discretionary Investment Management Service (DIMS) and distributor of the JMI Wealth KiwiSaver Scheme. Shaw and Partners are the investment manager for the Select DIMS portfolios and the JMI Wealth KiwiSaver Scheme. Our advisers are distributors and promoters of all ISG products. ISG provides administration and operational functions on an outsource basis to its subsidiaries. If we recommend that you invest in a financial product or service managed by a member of ISG, any fees generated will be a benefit to the licenced manager/provider and ultimately ISG. All fund and portfolio fees are specified in the relevant Product or Service Disclosure Statements and paid to the respective licenced managers/providers. Our advisers are employees who are paid a base salary with the potential for a bonus. Individual product recommendations to clients do not affect their salary but may result in an increase to funds under advice and advice fee revenue. To be eligible for a bonus all Advisers must be able to show how they have complied with their duties under Financial Markets Conduct Act 2013 (FMCA). Our advisers may receive commissions from certain product providers. For KiwiSaver product providers, a maximum upfront payment is payable (depending on the product provider) and a maximum ongoing per annum trail commission (which is a percentage of the account balance). For insurance product providers, a maximum initial commission as a percentage of annual premium and a maximum ongoing percentage of annual premium will apply – differing depending on the provider. Before any investment or insurance policy is implemented, you will be made fully aware of all potential commission payments or conflicts of interest (if any) specific to your case. This will be clearly outlined in your financial plan. To ensure that the Company's financial advisers prioritise its clients' interest above their own, we follow an advice process that ensures our recommendations are made on the basis of each client's goals and circumstances. In particular, a combination of 3rd party research and client preferences are used for KiwiSaver and Insurance product providers. We disclose and explain any perceived or potential conflicts of interest to each of our clients as part of the advice process. We also have a conflict of interest policy and maintain a conflict of interest register and provide staff with updates and training. ## Complaints Handling and Dispute Resolution If you are not satisfied with our financial advice service, you can make a complaint by contacting your adviser or by emailing us at admin@shawandpartners.co.nz, or by calling 04 282 0525. You can also write to us at: Shaw and Partners (Wellington) PO Box 30936, Lower Hutt 5040 When we receive a complaint, we will consider it following our internal complaints process, which is to: - acknowledge the complaint in writing within 1 week - meet with the client (in person or via phone / video conference) to discuss the issue and attempt to resolve it. At that meeting we will go through a process to (a) identify the exact issue, (b) identify why the client believes it is an issue and the impact on the client, (c) identify what outcome(s) the client is seeking and (d) attempt to find an outcome that is agreeable to both parties - if we can agree on a suitable outcome for both parties, we will aim to implement this outcome within 14 days - if we can't resolve the complaint, or you aren't satisfied with the way we proposed to do so, you can contact our external Disputes Resolution Scheme. This is: **Insurance and Financial Services Ombudsman** info@ifso.nz 0800 888 202 PO Box 10-845 Wellington 6143 This scheme provides a free, independent dispute resolution service that may help investigate or resolve your complaint, if we haven't been able to resolve your complaint to your satisfaction. ## Duties Information Shaw and Partners (Wellington), and anyone who gives financial advice on our behalf, have duties under the FMCA 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 clients 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 https://www.fma.govt.nz ## Contact Details Shaw and Partners (Wellington) are the Financial Advice Provider. You can contact us at: **Phone:** 04 282 0525 **Email:** admin@shawandpartners.co.nz **Address:** PO Box 30936, Lower Hutt 5040 ## Our Advisers Qualifications and Experience ### Dave Isaacs Dave has the following relevant experience: | Period | Position | Organisation | |---|---|---| | 2026 – present | Financial Planner | Shaw and Partners Financial Services (Wellington) Limited | | 2021 – 2026 | Financial Planner | Makowem & Isaacs Financial Planning | | 2014 – 2021 | Financial Planner | Allfinanz Investment Ltd t/a Isaacs Financial Planning | | 2007 – 2014 | Financial Planner | Crest Financial Brokers | | 2001 – 2007 | Insurance & Investment Adviser | Commix Group | Dave has the following qualifications which are relevant to giving investment advice: | Year | Qualification | Issuing Body | |---|---|---| | 2016 | Authorised Financial Adviser | Financial Markets Authority | | 2011 | Certified Financial Planner™ | Financial Advice New Zealand | | 2005 | Graduate Diploma – Personal Financial Planning | Massey University | ### John Makowem John has the following relevant experience: | Period | Position | Organisation | |---|---|---| | 2026 – present | Financial Planner | Shaw and Partners Financial Services (Wellington) Limited | | 2021 – 2026 | Financial Planner | Makowem & Isaacs Financial Planning | | 2010 - 2021 | Financial Planner | Maxim Risk Limited t/a Maxim Wealth Limited | | 2007 – 2010 | Financial Adviser | Spicers Portfolio Management | | 2000 – 2007 | Principal | Discovery Consulting Services (South Africa) | John has the following qualifications which are relevant to giving investment advice: | Year | Qualification | Issuing Body | |---|---|---| | 2016 | Authorised Financial Adviser | Financial Markets Authority | | 2008 | Certified Financial Planner™ | Financial Advice New Zealand | | 2008 | Graduate Diploma – Personal Financial Planning | Massey University | | 1990 | Bachelor of Laws | Rhodes University (South Africa) | | 1988 | Bachelor of Commerce | Rhodes University (South Africa) | --- ## https://financeadvisers.co.nz/api/provider/FSP95466/disclosure.md > _Markdown transcription of Velocity Financial Limited's Public Disclosure Statement, version 2026-05-18. Source: https://cdn.prod.website-files.com/5ec48b5bdb25b4a5c157e085/69fd2785fc828123908215ac_VEL31%20Disclosure%20Statement%20Generic%20VELDS001%202026_V2.pdf._ --- # Financial Adviser Disclosure Statement 2026 ## What we do Velocity provides holistic financial advice to individuals, businesses, and not for profit organisations. We help clients meet their needs today while staying focused on long term goals, whether that's securing a home, protecting a business, or supporting meaningful community initiatives. We work alongside our clients over time to build confidence, resilience, and sustainable wealth, creating positive impact for the communities we serve. ## Areas of financial advice provided Velocity Financial Ltd only provides personalised financial advice in the following areas: - Mortgage and property investment advice - Personal insurance products* - Tailored business planning for business owners, including cashflow modelling, debt management, asset and liability protection, succession planning, and protection strategies such as share purchase/succession policies, debt and guarantee cover, business overheads protection, and key person or locum plans. - KiwiSaver advice - Investment and wealth management for individuals, businesses and not for profit business organisations and trusts - Employee Benefits Programs; KiwiSaver and group insurance products provided through employers to staff. - Cash flow modeling and full financial planning, including retirement planning. They include personal insurance products like life, trauma, permanent disability, income protection and health insurance, and do NOT include general insurance product lines (e.g. House, contents, car, liability protection). The Velocity Financial associated company Caveo provides specialist General Insurance advice.* ## Product Providers We Work With Velocity Financial provides financial advice across mortgages, personal insurance, KiwiSaver, and investments. We work with a range of product providers, which are listed below. | Product Category | Providers | |---|---| | Mortgages | ANZ, ASAP Finance, ASB, Avanti, Basecorp, BNZ, Cressida Capital, DBR Property Financiers, Go Home Loans, Kiwibank, Liberty, Pepper Money, Prospa, SBS Bank, The Co-operative Bank, Unity, Westpac | | Personal Insurance | AIA, Asteron Life, Booster, Chubb, Fidelity Life, nib, Partners Life, Resolution Life, Southern Cross, UniMed | | Kiwisaver | Booster, Evidential, Generate, Milford | | Investment | Booster, Consilium, Generate, Milford, Select Wealth Management | ## Important Information About Our Advice ### How we select providers We do not work with every provider in the market. Our advisers recommend products from the providers listed above based on your individual circumstances, goals, and needs, and the availability of suitable products within our approved provider panel. ### Limits on our advice Because we only provide advice on products from the providers listed, our advice is limited to those providers. This means there may be products available elsewhere in the market that we do not recommend or advise on. ### Access to providers Not all advisers at Velocity Financial can access all of the providers listed. Your adviser will explain which providers they work with and why a particular provider or product is being recommended to you. ### Your best interests Our advisers are required to give advice that prioritises your interests. Recommendations are made after considering your financial situation, objectives, and needs, and we will explain the reasons for our advice. ### Costs of advice We are almost always able to provide our service to you without charging as our product suppliers provide us with a commission when we use their products. This commission may be an upfront commission, and ongoing "renewal", or a combination of both. The commission is not added to the cost of your mortgage or insurance; however, please note: Non-bank loan providers will charge a fee, and our "brokerage" may be included in this fee. In a small number of situations, we may charge a fee; any remuneration arrangements will be negotiated directly with every potential client before any engagement with that client is agreed to. We may charge fees AND commissions depending upon the scope of the engagement agreed to by a client. ### Charges If the product you choose (Mortgage or Insurance) is discontinued within 27 months, a percentage of our commission will be charged to us to pay back; this is called a "claw back". If this occurs, we reserve the right to retrospectively compensate ourselves for the time we have spent. Our hourly rate is $300 (+GST)/hour, and any cost incurred to the client will be limited to the smaller of the two options, the cost of the claw back or $3000 (+GST). ### Investment Fees Some investment providers pay commissions, and some may have fees which are based on the value of your funds under management; these are usually up to 1% (+GST if applicable). The provider deducts adviser fees from your funds monthly. Specific costs will be confirmed and agreed before any product is put in place. ### Investment, Business and Financial Planning Fees Fees for investment, business, and financial planning services will be outlined and agreed upon before any work is undertaken. Ongoing mentoring or support options can also be arranged as part of the agreed proposal. ### Commissions The gross amount of commission payable to Velocity Financial Ltd on any recommendation will be disclosed prior to implementation of any product or plan. As a general indicator of the range of commissions which may be paid, Velocity Financial Ltd receives standard commission terms from all lenders, insurers and KiwiSaver providers we work with (there are no preferential terms over and above any other adviser in the market), which are: - **Mortgages**, up to 0.85% of the loan amount and up to 0.20% of the loan balance as an ongoing commission. - **Personal Insurance products**, up to 230% of the first year's premium paid by a client, with an ongoing commission up to 20% of the annual premium. - **Group Insurance products**, typically up to 20% of the annual premium, continuing annually. - **KiwiSaver**, up to 0.5% of the annual balance as a commission. - **Westpac**, up to 0.90% of the annual balance as a commission. ## Conflicts of Interest We have no financial interest in any mortgage lender, insurance, KiwiSaver or Investment company or any other general conflicts of interest in forming a professional opinion or delivering financial advice. There are no material conflicts of interest to disclose in the form of incentives. We will accept an occasional glass of wine or cup of coffee from an insurance, mortgage, KiwiSaver or investment company representative. We attend suppliers' training sessions that can include a meal. On very rare occasions we are invited to supplier hosted events, such as sporting events. Should any actual or potential conflict of interest arise during any engagement with a client, we will bring that to your attention promptly and then seek to manage or avoid the conflict. If management or avoidance of a conflict to your satisfaction is not possible, then we will resign from the engagement with you and professionally assist with the appointment of a replacement and more suitable adviser. Caveo is an associated company wholly owned by the Principals of Velocity Financial Ltd. Although it operates independently and offers specialist advice in its own capacity, any profitability generated by Caveo ultimately benefits the Principals of Velocity Financial Ltd. The Kaitiaki Foundation is a philanthropic initiative funded by Velocity Financial Ltd. Although it operates independently and does not provide financial advice, it may introduce charities or community organisations to Velocity Financial Ltd for licensed financial advice. Any organisation introduced is under no obligation to engage Velocity Financial Ltd, and alternative advisers may be used. Where an organisation chooses to engage Velocity Financial Ltd, standard advice fees or commissions may apply. ## Your privacy When working with you, we collect personal information in order to provide personalised financial advice and related services, and to meet our legal and regulatory obligations. This information may include details about your identity, personal circumstances, health (for insurance advice), financial situation, goals, and the instructions you give us. We may collect personal information: - directly from you; and - from third parties where necessary to provide our services or meet our obligations. This may include insurers, KiwiSaver and investment providers, lenders, credit reporting agencies, referrers, other advisers, and service providers who support our business. We collect and use this information for purposes that include: - assessing your needs and financial situation - providing financial advice and recommendations - arranging and managing financial products on your behalf - meeting our legal, regulatory, and compliance obligations. In accordance with the Privacy Act 2020, you have the right to request access to, and correction of, any personal information we hold about you. If you request a copy of your information, we will provide this to you. We retain records for legal and compliance purposes. If we obtain private or confidential personal information about you from a third party (rather than directly from you), we will notify you as soon as reasonably practicable. This notification will explain: - what information was collected - who it was collected from - the purpose for which it was collected - who the information may be shared with - your privacy rights and how to contact us. Personal information is stored securely at our premises and within secure electronic systems. Access is restricted to Velocity Financial Ltd staff who are directly involved in providing services to you. In addition to our staff, your personal information may be shared where required or authorised by law, or for the purpose of providing advice in accordance with your instructions or our agreed Scope of Service. This may include: - insurers and other product providers - market regulators and statutory authorities - professional compliance, audit, technology, and administration service providers who support our regulatory obligations. If you have a complaint about how we handle your personal information, you can utilise the Velocity Financial Complaints process. You may also contact: **Office of the Privacy Commissioner** PO Box 10 094 The Terrace Wellington 6143 Phone 0800 803 909 Email enquiries@privacy.org.nz ## Complaints with Velocity Financial's service If you are dissatisfied in any way with Velocity Financial's service we want to know about it. We always want to get it right for you. We have a formal internal complaint handling process and will try to reach a satisfactory resolution with you as soon as possible. You can make your complaint verbally, by email or letter. We will acknowledge your complaint within 2 working days and will try to resolve your complaint within 10 working days. We may need to ask you further information, or agree on an extension, if the issue is complex or there are issues outside our control. To make a complaint, please contact by: - Calling 0800 448 879 - Email to hello@velocityfinancial.co.nz - Letter to PO Box 6685, Marion Square, Wellington If we cannot agree on a resolution regarding our financial services, you can contact our independent external dispute resolution scheme, **Financial Dispute Resolution Service**. The Financial Dispute Resolution Service is an external financial dispute resolution scheme approved by the Minister of Consumer Affairs under the Financial Service Provider (Registration and Dispute Resolution) Act 2008. The scheme can be contacted at **www.fdrs.org.nz** or **0508 337 337**. They will investigate your complaint and work to facilitate an agreed resolution. If this is not possible the Scheme may make a formal decision which is binding on Velocity Financial Ltd, but not unless you accept the decision. The process is free to you and the Scheme will assist you lodging your complaint. ## Compliance ### Disciplinary history you should be aware of None. There have been no professional indemnity insurance or negligence claims, disputes resolution actions, or disciplinary actions. Ever. We take all complaints seriously and we also take all clients' suggestions seriously too. If you think there are areas for improvement in our business, we would value hearing them. Feedback is welcomed. ## Duties Velocity Financial, 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 ensure our advice isn't influenced by our own interests. - Exercise care, diligence, and skill in providing you with advice. - Meet standards of competence, knowledge and skills set by the Code of Professional Conduct for Financial Advice Services (these are designed to ensure 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 https://www.fma.govt.nz/consumer/getting-advice/working-with-a-financial-adviser/ --- ## Contact Details **Velocity Financial Ltd** 0800 448 879 hello@velocityfinancial.co.nz **Registered Office:** 38 Vivian Street Wellington **Mailing Address:** PO Box 6685 Marion Square Wellington **Financial Advice Provider:** Velocity Financial Ltd FSP95466 **Licensing Status:** Class 2 License issued by the Financial Markets Authority on 13 April 2022 --- ## https://financeadvisers.co.nz/api/provider/FSP9821/disclosure.md > _Markdown transcription of Chris Mackay Financial Planning Limited's Public Disclosure Statement, version 2026-05-24. Source: https://mackay.co.nz/wp-content/uploads/2023/09/FAP-Disclosure-for-Chris-MacKay-Financial-Planning-Limited-v6-210525.pdf._ --- # What you need to know about us: ## Introduction Chris MacKay Financial Planning Limited (FSP No. 9821, trading as MacKay Financial Advice and Solutions) holds a licence issued by the Financial Markets Authority to provide financial advice services. ## Contact Information Contact details: Chris MacKay Financial Planning Limited (CMFP) is the Financial Advice Provider (FAP). You can contact us at: - Phone: 04 570 2233 or 0800 MACKAY (0800 622 529) - Email: office@mackay.co.nz - Address: Level 5, MacKay House, 92 Queens Drive, Lower Hutt, New Zealand ## Nature and Scope of the Advice Certain CMFP advisers (see page 3) provide advice to clients about their KiwiSaver Plans, Investments, Mortgages, Life insurance, Health insurance, Retirement Planning and Wealth Management. Not all our advisers provide all these types of financial advice, or deal with all the following companies. We only provide financial advice about products from certain providers. These are as follows: | KiwiSaver & Superannuation Providers: | Life, Trauma, TPD & Income Protection Providers: | |---|---| | AMP Wealth Management | AIA (who took over Sovereign). | | ANZ Investments/OneAnswer | Resolution Life (Who took over AMP, and former AXA and National Mutual policies). [Mainly 'legacy products' as there are restrictions on who can buy new policies.] | | Booster Financial Services | Asteron Life | | Fisher Funds | Chubb Life (who took over Cigna and former OnePath and Club Life policies). | | Generate | DPL Insurance. [Legacy products only.] | | Lifetime Asset Management (Manager of - several ex AMP schemes) | Fidelity Life (who took over Tower Life). | | Milford Asset Management | Partners Life | | NZ Funds Management | | | Summer KiwiSaver | | | Fund Managers / Platforms: | Medical / Health Insurance Providers: | |---|---| | AMP Wealth Management | AIA (who took over Sovereign). | | ANZ Investments/OneAnswer | Nib | | Booster Financial Services | Partners Life | | Lifetime Asset Management | Southern Cross | | Milford Asset Management | | | Select Wealth Management | | | Synergy Investments | | | Mortgage / Lending Providers: | | |---|---| | ANZ | Westpac | | ASB | ASAP Finance | | Bank of China | Avanti Finance | | BNZ | Bluestone | | Co-operative Bank | Cressida Capital | | Heartland Bank | DBR Finance | | SBS Bank | | ## How we operate To ensure that our financial advisers prioritise our client's interests above their own, we follow an internationally recognised professional advice process to ensure our recommendations are made based on our client's goals and circumstances. 1. Getting to know you, your situation, financial goals and objectives 2. Gathering relevant data on your currently situation 3. Analysing data and assessing viable solutions 4. Providing recommendations 5. Implementing recommendations 6. Ongoing review (where relevant) staying on track ## Our Registered and Qualified Financial Advisers - **Chris MacKay (FSP No. 26122)** Retirement Planning ▪ KiwiSaver ▪ Investments ▪ Wealth Management ▪ Insurance - **Blair Bennett (FSP No. 28641)** Mortgages ▪ Retirement Planning ▪ KiwiSaver ▪ Investments ▪Wealth Management ▪ Insurance - **Chris Cornford (FSP No. 49821)** Retirement Planning ▪ KiwiSaver ▪ Investments ▪ Wealth Management ▪ Insurance - **George MacKay (FSP No. 538967)** KiwiSaver ▪ Insurance https://www.mackay.co.nz/meet-the-team/ ## Fees or Expenses The nature and total amount of any fees that you will be charged for advice and/or services and when and how they must be paid, will be disclosed to our prospective clients by the relevant Financial Adviser. CMFP may be remunerated for the implementation and retention of some financial (usually insurance or mortgage) products by the product provider. This means that in many cases an upfront planning or advice fee is not required. Ongoing adviser fees for investment products and KiwiSaver plans are most often paid via the product provider. ### Planning and Advice Fees We may charge a fee for preparing Personal or Business Insurance Plans or Investment or Retirement Plans, to a maximum of $4,000 plus GST. We will agree the amount or basis of the calculation of any fee payable upfront and confirm the amount in our Scope of Engagement. We ask that you pay, or reimburse us for all charges, fees, in relation to services provided, as otherwise advised in the relevant invoice payable within 14 days. Where we have not charged a Planning or Advice Fee upfront and you have applied for a financial product and subsequently not accepted the product offered, assuming the terms are reasonable, or if you fail to complete the application process through no fault of the product provider or CMFP or if you cancel the financial product within 24 months of its start date, we reserve the right to charge a Planning Fee of between $150 and $350 per hour plus GST depending on which adviser you are using (based on our time relating to the advice and implementation process for that product) to a maximum of $4,000 plus GST. In the case of an insurance product where we must refund some or all of any commission received, any fee you pay will be the amount that is clawed back. In the case of a mortgage product arranged through us, where a client moves their mortgage or pays off all or some of the loan within 36 months, most lenders claw back a proportion of the commission that is initially paid to the advisory company, CMFP reserves the right to charge the amount of the clawback to the customer, and this is to be paid within 14 days. A "clawback" is where a payment received from product providers for business placed, is reversed due to the policy being cancelled within a two or three-year period. ### Consultancy Fees Where one of our Financial Advisers is working on a consultancy basis, (generally when there will be no financial product purchased as a solution, or if any fees payable from a financial product are so low as not able to recompense CMFP for its adviser's time) an hourly rate of between $150 and $350 plus GST will be charged. The hourly rate for senior administration staff is $200 plus GST per hour and $150 plus GST per hour for general administration staff under the consultancy arrangement. A minimum of four hours for advisers and one hour for administration staff (or a maximum of $1,500 plus GST) should be allowed under the consultancy arrangement, to cover any meeting/s, setting up client files, resulting documentation and /or report writing and/or file notes. We will confirm the amount or basis of calculation of any fee payable upfront and confirm the amount in our Scope of Engagement if our Consultancy Fees will be more than $1,500 plus GST. ### Commission for Insurance Products Typically, for Insurance work, we are remunerated by way of commissions received directly from product providers. As we get to know you and what is important to you, we will provide more specific information in relation to any remuneration we receive as a result of any advice we provide. In line with the spirit of professional disclosure below are some guidelines. | Type: | Typical Range: | |---|---| | Upfront commission (upon implementation) | 30% - 230% of first year's premium | | Ongoing commission | 5% - 50% of subsequent years' premium | | Ongoing commission – Southern Cross | Approximately $140 per member (CPI'd each year) | **Examples:** Should you place insurances from our recommendations with an annualised premium of $1,000. We would be remunerated in the range of $500 - $2,300 in the first year and $50 - $500 in subsequent years. If you arranged some Southern Cross (SX) health insurance through us with an initial annual premium of $1,000, Southern Cross would pay us $300 upfront and $140 each year on renewal. ### Commission for Mortgages Typically, mortgage lenders pay us commission of between 0.60% and 0.85% of the mortgage arranged and a trail commission after 12 months of 0.0% pa- to 0.20% pa of the reduced principal owing. When we are assisting with a complex loan, we may charge an additional fee. This would be fully disclosed and discussed. **Example:** Should we assist you in arranging a mortgage of say $500,000, we would be remunerated in the range of $3,000 - $4,250 and between $0 and $1,000 pa in subsequent years. Our mortgage specialist would receive a percentage of this commission. ### Adviser Fees or Trail Commission for KiwiSaver Plans, Superannuation Plans or Investment Products Typically, KiwiSaver and Superannuation providers or Fund Managers pay us a monthly adviser fee or trail commission (all fully disclosed when products are recommended) of between 0.20% pa and 1.05% pa based on the funds that are invested. Some KiwiSaver providers also pay an upfront fee of up to $250. Some Financial Advisory firms charge an upfront implementation fee of between 1.0% and 3.0% of the amount invested for Superannuation Plans and Investment Products. We however tend to waive these. There are no contribution fees charged for KiwiSaver plans. On some retail investment platforms, we reserve the right to charge a 1.00% exit fee on a total funds' withdrawal. **Example:** If you have a KiwiSaver plan with a fund value of say $50,000 and where we are also noted as the Financial Advisers, our ongoing adviser fee may be between $8 and $21 per month. ## How Our Advisers get paid **Salaried advisers:** Our advisers are paid a salary with the potential of annual bonuses based on a balanced scorecard for their performance. **Contractor advisers:** Our contractor advisers receive a percentage of the commission that is paid to the FAP. ## Conflicts of Interest We take any perceived or real conflicts of interest very seriously and have a dedicated policy for dealing with such issues whereby we avoid, disclose and/or manage any conflicts so that our client's interests are placed first and foremost. Chris MacKay is the sole Director of CMFP. Chris MacKay or a Trust of which Chris MacKay or George MacKay is a beneficiary, owns shares directly, indirectly, or beneficially in AMP, Booster, Fidelity Life, Retirement Income Group Ltd, ANZ (owner of OneAnswer Ltd), Suncorp (owner of Asteron and Vero), and Rothbury Wellington Holdings Ltd. For Life insurance and Medical/Health insurance, CMFP receive commissions from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to CMFP who may pay a percentage of this to a contractor adviser and maybe to an employee adviser. The amount of the commission is based on the amount of the premium. For KiwiSaver Plans, Superannuation Plans and investments, CMFP receives an ongoing adviser fee or trail commission based on funds under management. A marketing fee or upfront fee may also be received for new KiwiSaver plans introduced. If we refer any UK or other pension transfer case to another Financial Adviser or another Financial Advice Provider, they may make a payment to our firm plus an ongoing trail commission if any business results. For Mortgages, CMFP receive commissions from the banks with whom we arrange mortgages. If you decide to take out the mortgage, the bank will pay an upfront and possibly ongoing commission to CMFP who will pay a percentage of this to a contractor adviser and maybe to an employee adviser. The amount of the commission is based on the amount of the mortgage. If we are assisting with an "execution only" share or bond market transaction through Direct Broking/Jarden, they will pay our firm half the brokerage fee that they charge. If we refer any fire and general insurance business to Rothbury Insurance Brokers, they may pay our firm or individual contractors a percentage of any commission they are paid. If we assist in selling a Whole of Life or Endowment policy, Policy Exchange (PE) will pay our firm a flat 2% commission of the unenhanced cash value. This does not diminish the extra cash value that you may receive from PE and is not payable if the sale isn't proceeded with. To ensure that our financial advisers prioritise our client's interests above their own, we follow an advice process that ensures our recommendations are made on the basis of our 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. We monitor these registers and provide additional training where necessary. We undertake a compliance audit, and a review of our compliance programme annually by a reputable compliance adviser. From time to time, product providers may also reward us for the overall business we provide them. They may give us tickets for sporting events, hampers, discounted conference attendance including airfares and other giveaways and entertainment. ## Complaints If you are not satisfied with our financial advice service, you can make a complaint by emailing office@mackay.co.nz, or by calling: 04 570 2233 or 0800 622 529. You can also write to us at: PO Box 31-440, Lower Hutt 5040. If we receive a complaint, we will acknowledge it within two business days or possibly immediately if it's verbally, and we will consider it following our internal complaints' process. We will 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 aim to contact you within that time to let you know that we need more time to consider or to resolve your complaint. We will contact you by phone, email, or post to let you know whether we can resolve your complaint and how we propose to do so. If we can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact our dispute resolution service, Insurance and Financial Services Ombudsman. Insurance and Financial Services Ombudsman provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we haven't been able to resolve your complaint to your satisfaction. You can contact Insurance and Financial Services Ombudsman by emailing info@ifso.co.nz, or by calling: 0800 888 202. You can also write to them at: Insurance & Financial Services Ombudsman PO Box 10-845 Wellington 6143 NEW ZEALAND ## Duties and Conduct Information Chris MacKay Financial Planning and anyone who gives financial advice on our behalf, has 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 isn't 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 https://www.fma.govt.nz. --- ## https://financeadvisers.co.nz/providers/auckland/markdown # Financial service providers in Auckland, New Zealand **30 FSPR-registered providers** with a New Zealand business address in Auckland. Below are the top 30, ranked by Google customer rating (highest first), then by review count to break ties. Only providers with 5+ Google reviews qualify for this ranking. Source: the New Zealand Financial Service Providers Register (FSPR) maintained by the Companies Office, mirrored monthly. Google ratings refreshed daily via the Google Places API. ## Ranked providers ### 1. Guardian Smith Limited FSP FSP1002543 · ★ 5.0 (451 Google reviews) · registered 2022-03-16 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Level 6, 167 Victoria Street West,Auckland Central,Auckland,1010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 2. Blueprint Finance Limited FSP FSP1006023 · ★ 5.0 (357 Google reviews) · registered 2023-09-20 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: Suite C, 2/8 Manukau Road,Epsom,Auckland,1023,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 3. Blueprint Protect Limited FSP FSP1008001 · ★ 5.0 (357 Google reviews) · registered 2024-08-23 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: Suite C, 2/8 Manukau Road,Epsom,Auckland,1023,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 4. Property Advice Group Limited FSP FSP157564 · ★ 5.0 (292 Google reviews) · registered 2011-08-19 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Unit 120, 20 Park Avenue,Ellerslie,Auckland,1051,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 5. Naked Finance Limited FSP FSP735471 · ★ 5.0 (287 Google reviews) · registered 2021-03-10 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 2 / 2 Boundary Road,Hobsonville,Auckland,0618,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 6. Prosperity Advisors Limited FSP FSP762831 · ★ 5.0 (264 Google reviews) · registered 2021-03-10 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 112c Bush Road,Rosedale,Auckland,0632,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 7. Kris Pedersen Mortgages Limited FSP FSP723791 · ★ 5.0 (256 Google reviews) · registered 2020-05-08 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 388 Lake Road,Takapuna,Auckland,0622,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 8. Crp Wealth Limited FSP FSP1006393 · ★ 5.0 (242 Google reviews) · registered 2023-12-12 - Specialty: Mortgage Broker - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: Suite 5, 129 Great South Road,Papatoetoe,Auckland,2025,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 9. Gi Wealth Limited FSP FSP1006889 · ★ 5.0 (242 Google reviews) · registered 2024-03-25 - Specialty: Mortgage Broker - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 129 Great South Road,Papatoetoe,Auckland,2025,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 10. Moneyguide Limited FSP FSP1010762 · ★ 5.0 (241 Google reviews) · registered 2025-11-20 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 7 Milford Road,Milford,Auckland,0620,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 11. Marble Insurance Limited FSP FSP750331 · ★ 5.0 (239 Google reviews) · registered 2020-08-04 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 4 Cain Road,Penrose,Auckland,1061,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 12. Reliable Mortgages Limited FSP FSP1003517 · ★ 5.0 (235 Google reviews) · registered 2022-07-05 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 102 Mcquoids Road,Flat Bush,Auckland,2019,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 13. Fm Thrive 25 Limited FSP FSP1009062 · ★ 5.0 (234 Google reviews) · registered 2025-03-06 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 107c Great South Road,Epsom,Auckland,1051,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 14. Fundmaster 2020 Limited FSP FSP741111 · ★ 5.0 (234 Google reviews) · registered 2020-06-13 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 107c Great South Road,Epsom,Auckland,1051,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 15. Fundmaster Mortgages Limited FSP FSP741131 · ★ 5.0 (234 Google reviews) · registered 2020-07-01 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 107c Great South Road,Epsom,Auckland,1051,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 16. The Mortgage & Loan Guru Limited FSP FSP704411 · ★ 5.0 (202 Google reviews) · registered 2019-12-08 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Flat 2, 12 Laidlaw Way,East Tamaki,Auckland,2019,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 17. Jic Financial Group Limited FSP FSP1003891 · ★ 5.0 (193 Google reviews) · registered 2022-09-06 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Office 11, Building 730,261 Morrin Road, St Johns,,Auckland,1072,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 18. Kripa Financial Solutions Limited FSP FSP771115 · ★ 5.0 (180 Google reviews) · registered 2020-12-18 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 7 Culdaff Place,Mount Roskill,Auckland,1041,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 19. Indigo Financial Services Limited FSP FSP740451 · ★ 5.0 (164 Google reviews) · registered 2021-03-10 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 6 Lifford Place,Mount Roskill,Auckland,1041,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 20. Personalised Mortgages Limited FSP FSP765691 · ★ 5.0 (150 Google reviews) · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 161d Marua Road,Mount Wellington,Auckland,1051,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 21. Total Finance Limited FSP FSP765991 · ★ 5.0 (150 Google reviews) · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 8 William Denny Avenue,Westmere,Auckland,1022,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 22. Ecl Finance Limited FSP FSP766072 · ★ 5.0 (150 Google reviews) · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 8a Kingsway,Three Kings,Auckland,1024,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 23. Superior Financial Services Limited FSP FSP766812 · ★ 5.0 (150 Google reviews) · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 161d Marua Road,Mount Wellington,Auckland,1051,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 24. Maxwell Finance Limited FSP FSP768734 · ★ 5.0 (150 Google reviews) · registered 2020-11-26 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 16 Shenton Place,Burswood,Auckland,2013,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 25. Gs Mortgages Limited FSP FSP771755 · ★ 5.0 (150 Google reviews) · registered 2021-03-17 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Flat 48, 2 Cawley Street,Ellerslie,Auckland,1051,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 26. The Mortgage Hero Limited FSP FSP768376 · ★ 5.0 (149 Google reviews) · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 65 Central Park Drive,Henderson,Auckland,0610,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 27. Nobilo Finance Limited FSP FSP587268 · ★ 5.0 (141 Google reviews) · registered 2017-12-22 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 5/36 William Pickering Drive,Albany,Auckland,0632,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 28. The Hewett Group Limited FSP FSP771811 · ★ 5.0 (132 Google reviews) · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 18 Pompallier Terrace,Ponsonby,Auckland,1011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 29. Ascend Financial Services Limited FSP FSP1001680 · ★ 5.0 (130 Google reviews) · registered 2021-09-30 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 9 Wood Street,Freemans Bay,Auckland,1011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 30. Supercity Mortgages Group Limited FSP FSP1002625 · ★ 5.0 (130 Google reviews) · registered 2022-03-03 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Level 8,139 Quay Street,Auckland Central,1010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ## Browse more - All 30 Auckland providers (HTML): - All individual advisers in Auckland: - City directory: ## Cite us When referencing this ranked list, cite both FinanceAdvisersNZ and the underlying source: the FSPR at . We are not a regulator; we do not vet, verify or endorse providers; we do not provide financial advice. *Last refreshed: 2026-09-30* --- ## https://financeadvisers.co.nz/providers/christchurch/markdown # Financial service providers in Christchurch, New Zealand **30 FSPR-registered providers** with a New Zealand business address in Christchurch. Below are the top 30, ranked by Google customer rating (highest first), then by review count to break ties. Only providers with 5+ Google reviews qualify for this ranking. Source: the New Zealand Financial Service Providers Register (FSPR) maintained by the Companies Office, mirrored monthly. Google ratings refreshed daily via the Google Places API. ## Ranked providers ### 1. Agile Financial Services Limited FSP FSP745556 · ★ 5.0 (657 Google reviews) · registered 2020-07-09 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 33 Urunga Avenue,Strowan,Christchurch,8052,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 2. Rayen & Wood Financial Group Limited FSP FSP773255 · ★ 5.0 (457 Google reviews) · registered 2021-03-10 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 361 Tuam Street,Phillipstown,Christchurch,8011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 3. Advanced Mortgage Solutions Limited FSP FSP749071 · ★ 5.0 (455 Google reviews) · registered 2021-05-26 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 918 Colombo Street,Christchurch Central,Christchurch,8013,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 4. Greg Miller Mortgages Limited FSP FSP750872 · ★ 5.0 (455 Google reviews) · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 918 Colombo Street,Christchurch Central,Christchurch,8013,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 5. Better Choice Financial Services Limited FSP FSP1000984 · ★ 5.0 (217 Google reviews) · registered 2021-07-05 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Unit 10, 10 Acheron Drive,Riccarton,Christchurch,8041,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 6. 9 Yards Financial Group Limited FSP FSP606369 · ★ 5.0 (185 Google reviews) · registered 2018-03-25 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: Unit 4, 31 Carlyle Street,Sydenham,Christchurch,8023,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 7. Cox Ferguson Group Limited FSP FSP1004780 · ★ 5.0 (144 Google reviews) · registered 2023-02-24 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 26 Southwark Street,Christchurch Central,Christchurch,8011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 8. Easystreet Mortgages Limited FSP FSP711051 · ★ 5.0 (125 Google reviews) · registered 2020-02-04 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Suite 5a, 166 Moorhouse Ave,Sydenham,Christchurch,8011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 9. Genesis Mortgages Limited FSP FSP1008107 · ★ 5.0 (109 Google reviews) · registered 2024-08-29 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Unit 7b, 303 Blenheim Road,Upper Riccarton,Christchurch,8041,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 10. Money For You Mortgages Limited FSP FSP773091 · ★ 5.0 (74 Google reviews) · registered 2021-03-17 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 14 Bealey Avenue,Merivale,Christchurch,8014,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 11. Maruti Financial Services Limited FSP FSP1006622 · ★ 5.0 (66 Google reviews) · registered 2024-02-14 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 28 Limes Avenue,Parklands,Christchurch,8083,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 12. Mylend Limited FSP FSP772717 · ★ 5.0 (66 Google reviews) · registered 2021-03-17 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 18 Bealey Avenue,Merivale,Christchurch,8014,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 13. Linash Holdings Limited FSP FSP766431 · ★ 5.0 (61 Google reviews) · registered 2020-11-13 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Unit 3, 254 St Asaph Street,Christchurch Central,Christchurch,8011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 14. Adair Mortgages Limited FSP FSP727492 · ★ 5.0 (58 Google reviews) · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 25 Corson Avenue,Beckenham,Christchurch,8023,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 15. Rpv Financial Services Limited FSP FSP1000901 · ★ 5.0 (47 Google reviews) · registered 2021-07-23 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 21 Mandeville Street,Riccarton,Christchurch,8011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 16. Myles & Fairhall Limited FSP FSP37304 · ★ 5.0 (43 Google reviews) · registered 2010-11-27 - Specialty: Consumer Finance - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 2 Papanui Rd,Christchurch,8014,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 17. Ark Financial Group Limited FSP FSP749952 · ★ 5.0 (30 Google reviews) · registered 2021-03-10 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: Unit 5, Parkside Plaza, 333 Harewood Rd,Harewood,Christchurch,8543,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 18. Pounamu Financial Services Limited FSP FSP749971 · ★ 5.0 (30 Google reviews) · registered 2021-03-10 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 17 De Ville Place,Burwood,Christchurch,8061,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 19. Our Adviser Limited FSP FSP1001994 · ★ 5.0 (29 Google reviews) · registered 2021-11-24 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 134 Cashmere Road,Hoon Hay,Christchurch,8025,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 20. Md Financial Limited FSP FSP1010263 · ★ 5.0 (29 Google reviews) · registered 2025-08-04 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 32 Liverton Crescent,Bishopdale,Christchurch,8053,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 21. Staffords Wealth Management Limited FSP FSP775291 · ★ 5.0 (29 Google reviews) · registered 2021-03-16 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 15 Strowan Road,Strowan,Christchurch,8052,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 22. Aurora Capital Limited FSP FSP1002213 · ★ 5.0 (26 Google reviews) · registered 2022-01-15 - Specialty: Fund Manager - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: Level 2, 124 Peterborough Street,Christchurch Central,Christchurch,8013,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 23. Mortgage A To Z Limited FSP FSP1006287 · ★ 5.0 (25 Google reviews) · registered 2023-11-27 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 71a Orbell Street,Sydenham,Christchurch,8023,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 24. Lending Choice Limited FSP FSP772491 · ★ 5.0 (25 Google reviews) · registered 2021-03-17 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 12b Main North Road,Papanui,Christchurch,8051,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 25. New Zealand Home Loans (cbc) Limited FSP FSP118684 · ★ 5.0 (22 Google reviews) · registered 2011-04-01 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Unit 2a/485 Papanui Road,Papanui,Christchurch,8053,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 26. Fwgroup Limited FSP FSP1001795 · ★ 5.0 (18 Google reviews) · registered 2021-12-15 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: Suite 7, 92 Russley Road,Russley,Christchurch,8042,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 27. Tli Financial Advisers Limited FSP FSP753371 · ★ 5.0 (18 Google reviews) · registered 2021-03-10 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 51 Chesterfield Mews,Russley,Christchurch,8042,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 28. Parachute Advisory Limited FSP FSP1004534 · ★ 5.0 (15 Google reviews) · registered 2022-12-19 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 12 Virginia Lane,Mount Pleasant,Christchurch,8081,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 29. Invicta Financial Limited FSP FSP1003084 · ★ 5.0 (14 Google reviews) · registered 2022-06-02 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 45 Mandeville Street,Riccarton,Christchurch,8011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 30. Gsi Insurance Brokers (christchurch) Limited FSP FSP653692 · ★ 5.0 (14 Google reviews) · registered 2019-02-11 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Level 1, 383 Colombo Street,Sydenham,Christchurch,8023,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ## Browse more - All 30 Christchurch providers (HTML): - All individual advisers in Christchurch: - City directory: ## Cite us When referencing this ranked list, cite both FinanceAdvisersNZ and the underlying source: the FSPR at . We are not a regulator; we do not vet, verify or endorse providers; we do not provide financial advice. *Last refreshed: 2026-09-30* --- ## https://financeadvisers.co.nz/providers/dunedin/markdown # Financial service providers in Dunedin, New Zealand **30 FSPR-registered providers** with a New Zealand business address in Dunedin. Below are the top 30, ranked by Google customer rating (highest first), then by review count to break ties. Only providers with 5+ Google reviews qualify for this ranking. Source: the New Zealand Financial Service Providers Register (FSPR) maintained by the Companies Office, mirrored monthly. Google ratings refreshed daily via the Google Places API. ## Ranked providers ### 1. Loan Market Dunedin Limited FSP FSP1005227 · ★ 5.0 (774 Google reviews) · registered 2023-06-13 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 274 Stuart Street,Dunedin,9018,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 2. Mortgageme Financial Services Limited FSP FSP472686 · ★ 5.0 (739 Google reviews) · registered 2015-10-29 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 155 Princes Street,Dunedin Central,Dunedin,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 3. Mortgage Link (otago) Limited FSP FSP108634 · ★ 5.0 (332 Google reviews) · registered 2011-04-06 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 116 Stuart Street,Dunedin Central,Dunedin,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 4. Mortgage Link Otago (2016) Limited FSP FSP752471 · ★ 5.0 (332 Google reviews) · registered 2020-09-30 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 116 Stuart Street,Dunedin Central,Dunedin,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 5. Rostron Finance Pty Limited FSP FSP1001984 · ★ 5.0 (204 Google reviews) · registered 2021-11-29 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: Level 3, Forsyth Barr House,35 The Octagon,Dunedin,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 6. Ingram Consulting Limited FSP FSP764531 · ★ 5.0 (44 Google reviews) · registered 2020-10-23 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Floor 1, 252 Cumberland Street,Dunedin Central,Dunedin,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 7. Ofs Insurance Brokers Limited FSP FSP34627 · ★ 5.0 (8 Google reviews) · registered 2010-11-25 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Level 4, 151-155 Princes Street,Dunedin Central,Dunedin,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 8. Abbott Insurance Brokers Southern Limited FSP FSP491426 · registered 2016-04-20 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 469 Moray Place,Dunedin Central,Dunedin,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 9. Navigate Insurance Limited FSP FSP631069 · registered 2018-08-29 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 121a Crawford Street,Dunedin Central,Dunedin,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 10. Wealth Protection Specialists Limited FSP FSP716711 · registered 2020-03-03 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: Floor 2,480 Moray Place,Dunedin Central,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 11. Mortgage Navigators Otago Limited FSP FSP1009987 · registered 2025-07-22 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 5 Kakapo Street,Saint Leonards,Dunedin,9022,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 12. Mdmnz Limited FSP FSP542747 · registered 2017-04-23 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Services Complaints Limited - Address: 166 King Edward Street,South Dunedin,Dunedin,9012,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 13. Energy Link Limited FSP FSP151184 · registered 2011-07-09 - Specialty: Investment Services - Address: Level 4,Consultancy House,7-11 Bond Street, Dunedin,0000,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 14. Nzhl Otago Limited FSP FSP217305 · registered 2012-05-03 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Level 4,115 Stuart Street,Dunedin Central,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 15. Insurance South Limited FSP FSP722272 · registered 2020-03-10 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: Level 2 2 Stafford Street,Dunedin,9044,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 16. Noel J Johnston Limited FSP FSP318206 · ★ 4.9 (72 Google reviews) · registered 2013-10-08 - Specialty: Consumer Finance - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 481 Andersons Bay Road,South Dunedin,Dunedin,9012,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 17. Insure Otago Limited FSP FSP729011 · ★ 4.9 (37 Google reviews) · registered 2021-03-10 - Specialty: Insurance Broker - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 8 Stafford Street,Dunedin Central,Dunedin,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 18. Affinity Advisors Limited FSP FSP727452 · ★ 4.7 (14 Google reviews) · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 205 High Street,Dunedin Central,Dunedin,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 19. Quality Advice Limited FSP FSP1000799 · registered 2021-05-27 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: Level 9, John Wickliffe House,265 Princes Street,Dunedin,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 20. Michael White Financial Services Limited FSP FSP1000800 · registered 2021-05-27 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 9 Dowling Street,Dunedin Central,Dunedin,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 21. Karl Larsen Mortgages Limited FSP FSP1000875 · registered 2021-05-26 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 14 Edith Street,Fairfield,Dunedin,9018,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 22. Highgate Partners Limited FSP FSP1002138 · registered 2021-11-26 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: Floor 5,106 George Street,Dunedin Central,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 23. Viking Aggregation Nz Limited FSP FSP1006212 · registered 2024-02-23 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: Floor 3 Forsyth Barr House,165 Stuart Street,Dunedin Central,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 24. Health And Life Solutions Limited FSP FSP1006802 · registered 2024-02-26 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 9 Rennie Street,Green Island,Dunedin,9018,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 25. Lancewood Investment Partners Limited FSP FSP1009283 · registered 2025-03-27 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 3a Brugh Place,Waverly,Dunedin,9013,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 26. Glow Financial Services (new Zealand) Limited FSP FSP1010763 · registered 2025-11-27 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Services Complaints Limited - Address: Level 12 Otago House,Cnr Moray Place & Princes Street,Dunedin,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 27. Chasmont Finance Limited FSP FSP118311 · registered 2011-04-01 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 1 The Octagon,Dunedin,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 28. Reid Investment Consultants Limited FSP FSP126684 · registered 2011-04-11 - Specialty: Financial Adviser - Address: 205 Princes Street,Dunedin,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 29. Forsyth Barr Limited FSP FSP24848 · registered 2010-11-20 - Specialty: KiwiSaver Provider - Dispute resolution scheme: Financial Services Complaints Limited - Address: Forsyth Barr House, 165 Stuart Street,Dunedin Central,Dunedin,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 30. Forsyth Barr Investment Management Limited FSP FSP25021 · registered 2010-11-20 - Specialty: KiwiSaver Provider - Dispute resolution scheme: Financial Services Complaints Limited - Address: Forsyth Barr House,Cnr Octagon And Stuart Street,Dunedin,9016,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ## Browse more - All 30 Dunedin providers (HTML): - All individual advisers in Dunedin: - City directory: ## Cite us When referencing this ranked list, cite both FinanceAdvisersNZ and the underlying source: the FSPR at . We are not a regulator; we do not vet, verify or endorse providers; we do not provide financial advice. *Last refreshed: 2026-09-30* --- ## https://financeadvisers.co.nz/providers/hamilton/markdown # Financial service providers in Hamilton, New Zealand **30 FSPR-registered providers** with a New Zealand business address in Hamilton. Below are the top 30, ranked by Google customer rating (highest first), then by review count to break ties. Only providers with 5+ Google reviews qualify for this ranking. Source: the New Zealand Financial Service Providers Register (FSPR) maintained by the Companies Office, mirrored monthly. Google ratings refreshed daily via the Google Places API. ## Ranked providers ### 1. Total Mortgages Limited FSP FSP712111 · ★ 5.0 (483 Google reviews) · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 6 Princes Street,Hamilton Central,Hamilton,3204,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 2. Bricktown Finance Limited FSP FSP1010728 · ★ 5.0 (314 Google reviews) · registered 2025-11-17 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 34 Northmeadow Drive,Rototuna,Hamilton,3210,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 3. Priority Loans Limited FSP FSP754771 · ★ 5.0 (314 Google reviews) · registered 2020-10-22 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 67 Norton Road,Frankton,Hamilton,3204,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 4. Anytime Finance Limited FSP FSP1008469 · ★ 5.0 (80 Google reviews) · registered 2024-10-18 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 367 Borman Road,Flagstaff,Hamilton,3210,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 5. Windsor Wealth Management Limited FSP FSP647509 · ★ 5.0 (46 Google reviews) · registered 2019-01-24 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 526 Victoria Street,Hamilton Central,Hamilton,3204,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 6. Spall And Odgers Limited FSP FSP1008161 · ★ 5.0 (40 Google reviews) · registered 2024-08-30 - Specialty: Consumer Finance - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: Ctek Building, G23, 21 Home Straight,Te Rapa,Hamilton,3200,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 7. Priority Life Limited FSP FSP765672 · ★ 5.0 (37 Google reviews) · registered 2020-10-22 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 67 Norton Road,Frankton,Hamilton,3204,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 8. Waikato Mortgage And Life Brokers Limited FSP FSP743431 · ★ 5.0 (31 Google reviews) · registered 2020-06-24 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 27 Harwood Street,Hamilton Central,Hamilton,3240,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 9. Dream Financial Advisers Limited FSP FSP721492 · ★ 5.0 (20 Google reviews) · registered 2020-05-09 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 3 Letford Road,Chartwell,Hamilton,3210,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 10. Mortgage And Insurance New Zealand Limited FSP FSP733012 · ★ 5.0 (20 Google reviews) · registered 2020-04-17 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 103 Huntington Drive,Huntington,Hamilton,3210,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 11. Insurance Box Limited FSP FSP718231 · ★ 5.0 (17 Google reviews) · registered 2020-03-17 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 562 Anglesea Street,Hamilton Central,Hamilton,3204,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 12. Woodland Grove Limited FSP FSP1008421 · ★ 5.0 (11 Google reviews) · registered 2024-11-05 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 127 Ingram Road,Hamilton,3282,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 13. Crediflex Waikato Limited FSP FSP716892 · ★ 5.0 (11 Google reviews) · registered 2020-02-26 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 399 Rotokauri Road,Rd 9,Hamilton,3289,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 14. Adrian & Associates Limited FSP FSP768551 · ★ 5.0 (10 Google reviews) · registered 2021-01-29 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 298 Victoria Street,Hamilton Central,Hamilton,3204,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 15. Futurisk Insurance (waikato) Limited FSP FSP697091 · ★ 5.0 (7 Google reviews) · registered 2019-11-21 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 4/ 310 Tristram Street,Hamilton Central,Hamilton,3204,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 16. Tactical Financial Advice Limited FSP FSP691671 · ★ 5.0 (5 Google reviews) · registered 2019-09-19 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 516 Pickering Road,Rd 3,Hamilton,3283,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 17. Jj & J Financial Services Limited FSP FSP711532 · ★ 5.0 (5 Google reviews) · registered 2021-03-10 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 240 Dixon Road,Fitzroy,Hamilton,3206,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 18. Affiliated Insurance Brokers (waikato) Limited FSP FSP770973 · ★ 5.0 (5 Google reviews) · registered 2021-03-10 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Unit 3, 42 John Spencer Way,,Rukuhia,Hamilton,3282,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 19. Unite Insurance Brokers Limited FSP FSP1008599 · registered 2024-11-09 - Specialty: Insurance Broker - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 127 Peachgrove Road,Hamilton East,Hamilton,3216,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 20. Abbott Insurance Brokers Hamilton Limited FSP FSP680551 · registered 2019-08-08 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 164 London Street,Hamilton Central,Hamilton,3204,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 21. Pfs Holdings Limited FSP FSP770357 · registered 2021-03-10 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 54a Casey Avenue,Fairfield,Hamilton,3214,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 22. 1nsur (2024) Limited FSP FSP1007912 · registered 2024-08-30 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 7 Beehive Lane,Temple View,Hamilton,3218,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 23. Mglac Enterprises Limited FSP FSP1007913 · registered 2024-08-29 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 35 Bentley Rise,Flagstaff,Hamilton,3210,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 24. Wecare Finance Limited FSP FSP443306 · registered 2015-05-29 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Services Complaints Limited - Address: 37c Harwood Street,Hamilton Central,Hamilton,3204,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 25. Advice 4 Life Limited FSP FSP489726 · registered 2016-03-14 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 11 Garden Place,Hamilton Central,Hamilton,3204,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 26. Nigel Tate Financial Planning Limited FSP FSP706311 · registered 2021-03-10 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 16 Arcus Street,St Andrews,Hamilton,3200,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 27. Perreau & Associates Limited FSP FSP712412 · registered 2020-02-06 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: Unit16 111 Thomas Road,Rototuna,Hamilton,3210,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 28. Carey Financial Services Limited FSP FSP720711 · registered 2020-03-02 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 9 Apollo Place,Rototuna North,Hamilton,3210,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 29. Bankfoot Finance Limited FSP FSP756271 · registered 2021-03-10 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 2/452 Borman Road,Flagstaff,Hamilton,3210,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 30. Nest Financial 2023 Limited FSP FSP1006134 · ★ 4.9 (703 Google reviews) · registered 2023-10-11 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Unit 5, 278 Kahikatea Drive,Frankton,Hamilton,3204,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ## Browse more - All 30 Hamilton providers (HTML): - All individual advisers in Hamilton: - City directory: ## Cite us When referencing this ranked list, cite both FinanceAdvisersNZ and the underlying source: the FSPR at . We are not a regulator; we do not vet, verify or endorse providers; we do not provide financial advice. *Last refreshed: 2026-09-30* --- ## https://financeadvisers.co.nz/providers/invercargill/markdown # Financial service providers in Invercargill, New Zealand **25 FSPR-registered providers** with a New Zealand business address in Invercargill. Below are the top 25, ranked by Google customer rating (highest first), then by review count to break ties. Only providers with 5+ Google reviews qualify for this ranking. Source: the New Zealand Financial Service Providers Register (FSPR) maintained by the Companies Office, mirrored monthly. Google ratings refreshed daily via the Google Places API. ## Ranked providers ### 1. Mortgage Field (2025) Limited FSP FSP1011352 · ★ 5.0 (83 Google reviews) · registered 2025-12-15 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 5 The Crescent,Invercargill,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 2. Mortgage Field Limited FSP FSP768991 · ★ 5.0 (83 Google reviews) · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 5 The Crescent,Level 3,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 3. Zenith Group Limited FSP FSP750031 · registered 2020-08-20 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 56 Deveron Street,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 4. Zak Finance Limited FSP FSP330466 · registered 2014-02-03 - Specialty: Consumer Finance - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 141 Grace Street,Strathern,Invercargill,9812,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 5. Woodward Insurance Brokers Limited FSP FSP592549 · registered 2018-02-09 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 231 Dee Street,Avenal,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 6. Insurance Brokers Alliance Limited FSP FSP29962 · ★ 4.4 (5 Google reviews) · registered 2010-11-20 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Level 1,33 Gala Street,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 7. Invercargill City Council FSP FSP487806 · ★ 3.4 (36 Google reviews) · registered 2016-03-10 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 101 Esk Street,Invercargill,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 8. Southsure Assurance Limited FSP FSP35262 · ★ 2.8 (11 Google reviews) · registered 2010-11-26 - Specialty: Life Insurer - Dispute resolution scheme: Banking Ombudsman - Address: Level 1, 51 Don Street,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 9. Insurance Supply Company Invercargill Limited FSP FSP1001974 · registered 2021-11-24 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 25 Northside Drive,Waikiwi,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 10. Wealth Boutique Limited FSP FSP1006048 · registered 2023-09-20 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 15 Wellesley Avenue,Avenal,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 11. Proctor Insurance Limited FSP FSP1006369 · registered 2023-11-13 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 100 Otatara Road,Rd 9,Invercargill,9879,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 12. Financial Services South Limited FSP FSP1006608 · registered 2024-01-30 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 118 Spey Street,Invercargill,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 13. Cee Investments Limited FSP FSP1007429 · registered 2024-07-14 - Specialty: Fund Manager - Address: Level 1, 45 Don Street,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 14. The Pawn Shop Limited FSP FSP1008041 · registered 2024-09-16 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 71 Yarrow Street,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 15. Hansen Advisory Limited FSP FSP1008196 · registered 2024-09-13 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 8 Pine Crescent,Hargest,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 16. Mortgage Lads Limited FSP FSP1008356 · registered 2024-10-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 142 Ward Street,Waverley,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 17. Craig Hall Limited FSP FSP200245 · registered 2012-02-17 - Specialty: Consumer Finance - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 243 Dee Street,Invercargill,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 18. Gem Solutions Limited FSP FSP274885 · registered 2013-04-10 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: Level 1, 35 Dee Street,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 19. Southland Building Society FSP FSP30921 · registered 2010-11-20 - Specialty: Bank - Dispute resolution scheme: Banking Ombudsman - Address: 51 Don Street,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 20. Southern Investment Services Limited FSP FSP35622 · registered 2010-11-26 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: Level 1,35 Dee Street,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 21. Steve Oliver Financial Services Limited FSP FSP707651 · registered 2021-03-10 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 135 Spey Street,Invercargill,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 22. Brenda Nom Limited FSP FSP714631 · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 12 Don Street,Invercargill,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 23. Forwood For Life Limited FSP FSP715651 · registered 2020-02-26 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 87 Spey Street,Invercargill,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 24. Standalone Insurance Limited FSP FSP716072 · registered 2021-03-10 - Specialty: Insurance Broker - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 42 Louisa Street,Gladstone,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 25. Mortgage Supply Company Invercargill Limited FSP FSP723611 · registered 2020-03-12 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 25 Northside Drive,Waikiwi,Invercargill,9810,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ## Browse more - All 25 Invercargill providers (HTML): - All individual advisers in Invercargill: - City directory: ## Cite us When referencing this ranked list, cite both FinanceAdvisersNZ and the underlying source: the FSPR at . We are not a regulator; we do not vet, verify or endorse providers; we do not provide financial advice. *Last refreshed: 2026-09-30* --- ## https://financeadvisers.co.nz/providers/napier/markdown # Financial service providers in Napier, New Zealand **30 FSPR-registered providers** with a New Zealand business address in Napier. Below are the top 30, ranked by Google customer rating (highest first), then by review count to break ties. Only providers with 5+ Google reviews qualify for this ranking. Source: the New Zealand Financial Service Providers Register (FSPR) maintained by the Companies Office, mirrored monthly. Google ratings refreshed daily via the Google Places API. ## Ranked providers ### 1. Tim Hintz Limited FSP FSP37024 · ★ 5.0 (221 Google reviews) · registered 2010-11-27 - Specialty: Consumer Finance - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 9a Kennedy Road,Napier South,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 2. The Insurance Team Nz Limited FSP FSP1002544 · ★ 5.0 (129 Google reviews) · registered 2022-02-16 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 74 Tennyson Street,Napier South,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 3. Fast Track Finance Hawkes Bay Limited FSP FSP39626 · ★ 5.0 (5 Google reviews) · registered 2010-11-29 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Services Complaints Limited - Address: 74 Munroe Street,Napier South,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 4. Graeme Ryan Investment Advisers Limited FSP FSP546866 · registered 2017-04-05 - Specialty: Investment Services - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 74 Church Road,Taradale,Napier,4112,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 5. Common Sense Financial Planning Limited FSP FSP725272 · registered 2020-04-22 - Specialty: Investment Services - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 1980 Pakowhai Road,Rd 3,Napier,4183,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 6. Superloans Napier Limited FSP FSP275105 · ★ 4.9 (1385 Google reviews) · registered 2013-03-09 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 39 Carlyle Street,Napier South,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 7. New Zealand Home Loans - Taranaki Limited FSP FSP109504 · ★ 4.8 (6 Google reviews) · registered 2011-03-22 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 130a Station Street,Napier,4140,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 8. Credit House Finance Limited FSP FSP135104 · ★ 4.6 (9 Google reviews) · registered 2011-05-17 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Services Complaints Limited - Address: 197 Marine Parade,Napier South,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 9. Insure Hawke's Bay Limited FSP FSP602569 · ★ 4.6 (9 Google reviews) · registered 2018-03-08 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 77b Dalton Street,Napier South,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 10. De Barre Mortgages Limited FSP FSP1001906 · registered 2021-10-27 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 35 Esk View Road,Napier,4182,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 11. Tandem Insurance And Advice Limited FSP FSP1002109 · registered 2022-01-17 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 27 Colenso Avenue,Hospital Hill,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 12. The Finance Team Limited FSP FSP1002648 · registered 2022-03-08 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 74 Tennyson Street,Napier South,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 13. Black & White Insurance Limited FSP FSP1004378 · registered 2022-12-09 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 5 Carlyle Street,Napier South,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 14. Dee Finance Limited FSP FSP1009002 · registered 2025-02-12 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 129 Taradale Road,Onekawa,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 15. Vesta Nz Limited FSP FSP1009102 · registered 2025-02-10 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 1 Wright Street,Ahuriri,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 16. Nhfs (2025) Limited FSP FSP1009374 · registered 2025-04-15 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 149b Avenue Road,Greenmeadows,Napier,4112,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 17. Mh Impact Investments Limited FSP FSP1010264 · registered 2025-08-19 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 1050 Links Road,Rd 3,Napier,4183,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 18. Moore Markhams New Zealand Financial Services Limited FSP FSP1011069 · registered 2025-12-15 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 36 Bridge Street,Ahuriri,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 19. Shape Life And Financial Brokers Limited FSP FSP108606 · registered 2011-03-22 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: Level 1, 124 Vautier Street,Napier City,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 20. Financial Advice Hawkes Bay Limited FSP FSP110362 · registered 2011-03-24 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 20-22 Munro Street,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 21. Stuart Cheyne Autos Limited FSP FSP181864 · registered 2011-10-30 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Services Complaints Limited - Address: 463 Brookfield Road,Meeanee,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 22. Oldershaw & Co (wealth) Limited FSP FSP292726 · registered 2013-05-27 - Specialty: Investment Services - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 36 Bridge Street,Ahuriri,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 23. Rdl Finance Limited FSP FSP492086 · registered 2016-04-07 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Services Complaints Limited - Address: 790 Main North Road,Rd 2,Napier,4182,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 24. Swoosh Finance Limited FSP FSP510686 · registered 2016-11-19 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: Oldershaw & Co Ltd, 36 Bridge Street,Ahuriri,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 25. Exponential Partners Limited FSP FSP576967 · registered 2017-09-17 - Specialty: Investment Services - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 111 Main North Road,Westshore,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 26. Finsol Financial Services Limited FSP FSP627069 · registered 2018-08-01 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: G01/9 Customs Quay,Ahuriri,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 27. Finance & Automation Limited FSP FSP685751 · registered 2019-10-04 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 120 Prebensen Drive,Onekawa,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 28. Financial Sense Limited FSP FSP722071 · registered 2021-03-10 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 33 Kaimata Road,Rd 2,Napier,4182,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 29. Action Insurance Limited FSP FSP724172 · registered 2020-03-15 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 63 Nelson Crescent,Napier South,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 30. Fleet Focus Limited FSP FSP735071 · registered 2020-05-03 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 3 Gardiner Street,Westshore,Napier,4110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ## Browse more - All 30 Napier providers (HTML): - All individual advisers in Napier: - City directory: ## Cite us When referencing this ranked list, cite both FinanceAdvisersNZ and the underlying source: the FSPR at . We are not a regulator; we do not vet, verify or endorse providers; we do not provide financial advice. *Last refreshed: 2026-09-30* --- ## https://financeadvisers.co.nz/providers/nelson/markdown # Financial service providers in Nelson, New Zealand **26 FSPR-registered providers** with a New Zealand business address in Nelson. Below are the top 26, ranked by Google customer rating (highest first), then by review count to break ties. Only providers with 5+ Google reviews qualify for this ranking. Source: the New Zealand Financial Service Providers Register (FSPR) maintained by the Companies Office, mirrored monthly. Google ratings refreshed daily via the Google Places API. ## Ranked providers ### 1. Dj Financial Limited FSP FSP770245 · ★ 5.0 (148 Google reviews) · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 16 Bridge Street,Nelson,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 2. Financing Futures Limited FSP FSP1004309 · ★ 5.0 (57 Google reviews) · registered 2023-01-16 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 238 Songer Street,Stoke,Nelson,7011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 3. Sheehan Financial Limited FSP FSP594749 · ★ 5.0 (10 Google reviews) · registered 2018-02-22 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: Level 1 281 Trafalgar Street,Nelson,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 4. New Zealand Home Loans (nelson) Limited FSP FSP120585 · registered 2011-04-02 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 530a Main Road,Stoke,Nelson,7011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 5. Abbott Insurance Brokers Nelson Marlborough Limited FSP FSP491427 · registered 2016-04-20 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 37 Bridge Street,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 6. Assured Limited FSP FSP645889 · ★ 4.1 (9 Google reviews) · registered 2019-02-02 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: The Studio, 131 Dodson Valley Road,Atawhai,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 7. Fico Finance Limited FSP FSP8621 · ★ 3.4 (5 Google reviews) · registered 2010-09-29 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Services Complaints Limited - Address: 10 Nile Street West,Nelson,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 8. Dayman Motors Limited FSP FSP1002371 · registered 2022-01-27 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Services Complaints Limited - Address: Corner Collingwood & Halifax Streets,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 9. Nz Insurance Advisers Limited FSP FSP1002407 · registered 2022-03-15 - Specialty: Insurance Broker - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 2c South Street,Nelson Central,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 10. Select Invest Limited FSP FSP1002948 · registered 2022-04-05 - Specialty: Fund Manager - Dispute resolution scheme: Financial Services Complaints Limited - Address: 10 Nile Street West,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 11. Carbonco Limited FSP FSP1004663 · registered 2023-03-15 - Specialty: Investment Services - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 322 Hardy Street,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 12. Atpw Limited FSP FSP1006483 · registered 2024-02-14 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 23 Norrie Place,Annesbrook,Nelson,7011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 13. Keyway Finance Limited FSP FSP1009976 · registered 2025-07-04 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 8 Cupola Crescent,Richmond,Nelson,7020,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 14. Ef Advice Limited FSP FSP1010057 · registered 2025-07-08 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 402 Main Road Stoke,Stoke,Nelson,7011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 15. Noddy's Corner Limited FSP FSP1010257 · registered 2025-08-20 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 231a Nile Street East,Maitai,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 16. Nelson Building Society FSP FSP33381 · registered 2010-12-03 - Specialty: Bank - Dispute resolution scheme: Banking Ombudsman - Address: 111 Trafalgar Street,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 17. Collier Sendall Limited FSP FSP37305 · registered 2010-11-27 - Specialty: Consumer Finance - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 175 Haven Road,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 18. Nelson Marlborough Insurance Brokers Limited FSP FSP409927 · registered 2014-11-06 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 144 Collingwood Street,Nelson,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 19. Totara Wealth Management Limited FSP FSP561546 · registered 2017-06-18 - Specialty: Wealth Manager - Dispute resolution scheme: Financial Services Complaints Limited - Address: Level 1, 15 Bridge Street,Nelson,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 20. Northstandard Limited FSP FSP629309 · registered 2018-10-09 - Specialty: General Insurer - Dispute resolution scheme: Financial Services Complaints Limited - Address: Level 1, 4 Akersten Street,Port Nelson,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 21. Warren Borlase Insurance & Financial Planning Limited FSP FSP711511 · registered 2020-01-24 - Specialty: Insurance Broker - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 155a Trafalgar Street,Nelson,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 22. Nelson Mortgage Services Limited FSP FSP719951 · registered 2020-02-29 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 227 Hardy Street,Nelson,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 23. Nz Mortgage & Finance Limited FSP FSP746091 · registered 2020-07-26 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 231b Nile Street East,Maitai,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 24. Joint Equity Limited FSP FSP757691 · registered 2020-10-09 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Services Complaints Limited - Address: 10 Nile Street West,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 25. C&b Services Nz Limited FSP FSP766091 · registered 2020-12-02 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 144 Collingwood Street,Nelson,Nelson,7010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 26. Fss Management Limited FSP FSP775240 · registered 2021-02-26 - Specialty: Investment Services - Address: 126 Tahunanui Drive,Tahunanui,Nelson,7011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ## Browse more - All 26 Nelson providers (HTML): - All individual advisers in Nelson: - City directory: ## Cite us When referencing this ranked list, cite both FinanceAdvisersNZ and the underlying source: the FSPR at . We are not a regulator; we do not vet, verify or endorse providers; we do not provide financial advice. *Last refreshed: 2026-09-30* --- ## https://financeadvisers.co.nz/providers/new-plymouth/markdown # Financial service providers in New Plymouth, New Zealand **30 FSPR-registered providers** with a New Zealand business address in New Plymouth. Below are the top 30, ranked by Google customer rating (highest first), then by review count to break ties. Only providers with 5+ Google reviews qualify for this ranking. Source: the New Zealand Financial Service Providers Register (FSPR) maintained by the Companies Office, mirrored monthly. Google ratings refreshed daily via the Google Places API. ## Ranked providers ### 1. S Crocker Limited FSP FSP1005949 · ★ 5.0 (64 Google reviews) · registered 2023-11-13 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 337 Devon Street East,New Plymouth,4312,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 2. Sai Rane Mortgages Limited FSP FSP1010224 · ★ 5.0 (59 Google reviews) · registered 2025-10-14 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 7 Argyle Place,Highlands Park,New Plymouth,4312,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 3. Melanie Bielawski Limited FSP FSP743394 · ★ 5.0 (33 Google reviews) · registered 2020-06-29 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 392 St Aubyn Street,Lynmouth,New Plymouth,4310,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 4. Adastra 2020 Limited FSP FSP763432 · ★ 5.0 (22 Google reviews) · registered 2020-12-22 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 67 Vivian Street,New Plymouth,4310,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 5. Wetton Services Limited FSP FSP1007911 · ★ 5.0 (5 Google reviews) · registered 2024-08-23 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 54 Queens Road,Glen Avon,New Plymouth,4312,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 6. New Zealand Home Loans Egmont Limited FSP FSP712771 · registered 2020-02-07 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 44 Liardet Street,New Plymouth,New Plymouth,4310,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 7. Chanelle Wilson Financial Services Limited FSP FSP1002673 · ★ 4.9 (162 Google reviews) · registered 2022-03-08 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 38a Umutekai Road,Hillsborough,New Plymouth,4372,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 8. Stephanie Murray Mortgages Limited FSP FSP755132 · ★ 4.9 (162 Google reviews) · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 47 Queen Street,New Plymouth,New Plymouth,4310,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 9. Abacus Group Limited FSP FSP93921 · ★ 4.9 (135 Google reviews) · registered 2011-03-16 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 337 Devon Street East,New Plymouth,4312,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 10. Dean Paterson Limited FSP FSP36921 · ★ 4.9 (102 Google reviews) · registered 2010-11-27 - Specialty: Consumer Finance - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 46 Dawson Street,New Plymouth,4310,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 11. Central Finance Limited FSP FSP5921 · ★ 4.4 (14 Google reviews) · registered 2010-09-24 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Services Complaints Limited - Address: 139 Powderham Street,New Plymouth,New Plymouth,4310,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 12. Naki Home Loans Limited FSP FSP387626 · registered 2014-08-20 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Shoreline Business Centre, 52 Molesworth Street,New Plymouth,New Plymouth,4310,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 13. Teaminvest Limited FSP FSP1001172 · registered 2021-09-15 - Specialty: Financial Adviser - Address: 81 Buller Street,New Plymouth,New Plymouth,4312,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 14. Horizon Insurance Advisors Limited FSP FSP1005776 · registered 2023-08-30 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 20c Tukapa Street,Westown,New Plymouth,4310,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 15. Rightsize Financial Services Limited FSP FSP1006939 · registered 2024-03-13 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 3 Pike Place,Ferndale,New Plymouth,4310,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 16. Blue Water Mortgages Limited FSP FSP1007339 · registered 2024-05-23 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 7d Royal Heights,Glen Avon,New Plymouth,4312,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 17. Solve Advisers Limited FSP FSP1008280 · registered 2024-10-08 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 84 Liardet Street,Level 2,New Plymouth,4310,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 18. Paragon Insurance & Investments Limited FSP FSP1009235 · registered 2025-03-07 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 463 Devon Street East,Strandon,New Plymouth,4312,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 19. Jason Bruce Mortgages Limited FSP FSP1009241 · registered 2025-03-26 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 23 Rossiter Crescent,Lynmouth,New Plymouth,4310,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 20. Strive (2025) Limited FSP FSP1009946 · registered 2025-07-25 - Specialty: Insurance Broker - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 9 Hawetaone Street,Bell Block,New Plymouth,4312,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 21. Taranaki Home Loans Limited FSP FSP1010356 · registered 2025-08-21 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 85 Gover Street,New Plymouth,4310,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 22. I4u Limited FSP FSP1011489 · registered 2026-01-16 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 54 Brooklands Road,Brooklands,New Plymouth,4310,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 23. Acrobat Finance Limited FSP FSP20581 · registered 2010-11-03 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Services Complaints Limited - Address: 357b Hurford Road,Rd 4,New Plymouth,4374,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 24. Tsb Bank Limited FSP FSP22621 · registered 2010-11-06 - Specialty: Bank - Dispute resolution scheme: Banking Ombudsman - Address: Level 5,Tsb Centre,120 Devon Street East, New Plymouth,4310,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 25. The Advisers Limited FSP FSP445087 · registered 2015-05-29 - Specialty: Insurance Broker - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 167 Devon Street West,Level 5,New Plymouth,4310,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 26. Htl Group Limited FSP FSP697011 · registered 2019-10-31 - Specialty: Investment Services - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 27 Eliot Street,New Plymouth,New Plymouth,4310,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 27. Britsnz Limited FSP FSP701954 · registered 2020-01-19 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 11 Wilson Road,Rd45,Urenui, New Plymouth,4375,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 28. Fast Forward Mortgage Limited FSP FSP732932 · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 27 Eliot Street,New Plymouth,New Plymouth,4310,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 29. Rosie Glasgow Home Loans Limited FSP FSP732951 · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 1 Cowling Road,Hurdon,New Plymouth,4310,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 30. Viliamu Enterprises Limited FSP FSP760792 · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 309 Mangorei Road,Merrilands,New Plymouth,4312,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ## Browse more - All 30 New Plymouth providers (HTML): - All individual advisers in New Plymouth: - City directory: ## Cite us When referencing this ranked list, cite both FinanceAdvisersNZ and the underlying source: the FSPR at . We are not a regulator; we do not vet, verify or endorse providers; we do not provide financial advice. *Last refreshed: 2026-09-30* --- ## https://financeadvisers.co.nz/providers/palmerston-north/markdown # Financial service providers in Palmerston North, New Zealand **30 FSPR-registered providers** with a New Zealand business address in Palmerston North. Below are the top 30, ranked by Google customer rating (highest first), then by review count to break ties. Only providers with 5+ Google reviews qualify for this ranking. Source: the New Zealand Financial Service Providers Register (FSPR) maintained by the Companies Office, mirrored monthly. Google ratings refreshed daily via the Google Places API. ## Ranked providers ### 1. Taylored Mortgages Limited FSP FSP1002661 · ★ 5.0 (390 Google reviews) · registered 2022-04-29 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 176 Broadway Avenue,Palmerston North,4410,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 2. Youm Limited FSP FSP69281 · ★ 5.0 (171 Google reviews) · registered 2011-03-04 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 165 Broadway Avenue,Palmerston North,4410,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 3. MacWild Limited FSP FSP772672 · ★ 5.0 (106 Google reviews) · registered 2021-01-08 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 202 Broadway Avenue,Palmerston North,4410,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 4. Toby Ferreira Mortgages Limited FSP FSP1009131 · ★ 5.0 (84 Google reviews) · registered 2025-03-05 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Level 1,109 Princess Street,Palmerston North,4410,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 5. Pecxer Financial Services Limited FSP FSP769956 · ★ 5.0 (64 Google reviews) · registered 2021-03-10 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 525 Awahuri Feilding Road,Rd 9,Palmerston North,4479,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 6. Tina Wilcock Limited FSP FSP391087 · ★ 5.0 (52 Google reviews) · registered 2014-08-04 - Specialty: Consumer Finance - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 60 Grey Street,Palmerston North,4410,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 7. Professional Investment Services (manawatu) Limited FSP FSP39201 · ★ 5.0 (29 Google reviews) · registered 2010-11-30 - Specialty: Investment Services - Dispute resolution scheme: Financial Services Complaints Limited - Address: 43 Walding Street,Palmerston North,4410,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 8. Bml Consulting Limited FSP FSP1000766 · ★ 5.0 (11 Google reviews) · registered 2021-11-05 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 48 Kahuterawa Road,Rd 4,Palmerston North,4474,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 9. Rowan Coker Financial Services Limited FSP FSP718991 · ★ 5.0 (11 Google reviews) · registered 2020-02-21 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 111 Polson Hill Drive Rd1,Aokautere,Palmerston North,4471,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 10. Ezy Insurances Limited FSP FSP770379 · ★ 5.0 (9 Google reviews) · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 3/328 Broadway Avenue,Palmerston North,Palmerston North,4410,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 11. Wealthdesign Limited FSP FSP179084 · registered 2011-10-21 - Specialty: Investment Services - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 7 Grey Street,Palmerston North,4440,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 12. Personal Investment Centre Limited FSP FSP637669 · registered 2018-10-14 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 97 Rangitikei Street,Palmerston North,Palmerston North,4410,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 13. Futurisk Insurance Limited FSP FSP682071 · ★ 4.9 (117 Google reviews) · registered 2019-08-23 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 178 Broadway Avenue,Palmerston North,Palmerston North,4410,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 14. Mutual Solutions Limited FSP FSP729871 · ★ 4.9 (96 Google reviews) · registered 2020-03-28 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: Level 2, 26 Broadway Ave,Palmerston North,4414,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 15. Rutherford Sports Limited FSP FSP1008517 · ★ 4.5 (31 Google reviews) · registered 2024-11-11 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 445e Milson Line,Rd 8,Palmerston North,4478,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 16. Vdv Holdings Limited FSP FSP33201 · ★ 4.2 (120 Google reviews) · registered 2010-11-23 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Services Complaints Limited - Address: 501 Main Street,Palmerston North,Palmerston North,4410,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 17. Insurance Network Limited FSP FSP447546 · ★ 3.3 (19 Google reviews) · registered 2015-06-16 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 30 Linton Street,Palmerston North,4410,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 18. Prime Financial Services Limited FSP FSP1000608 · registered 2021-05-07 - Specialty: Investment Services - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 18 Edwards Place,Terrace End,Palmerston North,4410,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 19. Taylored Advice Limited FSP FSP1005943 · registered 2023-09-27 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 156 Broadway Avenue,Palmerston North,4410,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 20. Rothsay Group Limited FSP FSP1008402 · registered 2025-02-01 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Services Complaints Limited - Address: 769 Main Street,Roslyn,Palmerston North,4414,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 21. Lyf Risk Advisor Limited FSP FSP1008570 · registered 2025-03-07 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 16 Baring Street,Palmerston North,4481,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 22. Insure Group Limited FSP FSP1009207 · registered 2025-04-29 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 12 Rongopai Street,Palmerston North,4414,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 23. Wealthbase Limited FSP FSP1009282 · registered 2025-03-26 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 14 Rangitane Street,Palmerston North,Palmerston North,4414,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 24. Manawatu Investment Group Limited FSP FSP128224 · registered 2011-05-01 - Specialty: Investment Services - Address: 21 Dairy Farm Road,Rd 2,Palmerston North,4472,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 25. Onyx Finance Limited FSP FSP158745 · registered 2011-08-11 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Services Complaints Limited - Address: 1st Floor,236 Broadway Avenue,Palmerston North,4410,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 26. Nuview Limited FSP FSP27601 · registered 2010-12-02 - Specialty: Investment Services - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 162 Broadway Avenue,Palmerston North,4410,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 27. Core Wealth Solutions Limited FSP FSP36445 · registered 2010-11-30 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 32 Amesbury Street,Palmerston North,4410,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 28. Tailorednz Limited FSP FSP36461 · registered 2010-11-27 - Specialty: Wealth Manager - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 196 Broadway Avenue,Palmerston North,Palmerston North,4410,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 29. Arotahi Trust Limited FSP FSP44041 · registered 2010-12-03 - Specialty: Fund Manager - Dispute resolution scheme: Financial Services Complaints Limited - Address: 5 Noel Rogers Place,Milson,Palmerston North,4414,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 30. Redex Finance Limited FSP FSP480366 · registered 2016-02-24 - Specialty: Insurance Broker - Address: 159 Broadway Avenue,Palmerston North,Palmerston North,4410,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ## Browse more - All 30 Palmerston North providers (HTML): - All individual advisers in Palmerston North: - City directory: ## Cite us When referencing this ranked list, cite both FinanceAdvisersNZ and the underlying source: the FSPR at . We are not a regulator; we do not vet, verify or endorse providers; we do not provide financial advice. *Last refreshed: 2026-09-30* --- ## https://financeadvisers.co.nz/providers/rotorua/markdown # Financial service providers in Rotorua, New Zealand **18 FSPR-registered providers** with a New Zealand business address in Rotorua. Below are the top 18, ranked by Google customer rating (highest first), then by review count to break ties. Only providers with 5+ Google reviews qualify for this ranking. Source: the New Zealand Financial Service Providers Register (FSPR) maintained by the Companies Office, mirrored monthly. Google ratings refreshed daily via the Google Places API. ## Ranked providers ### 1. Greenlight Insurance Brokers Limited FSP FSP35808 · ★ 5.0 (38 Google reviews) · registered 2010-11-27 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 1122 Pukaki Street,Rotorua,3010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 2. Whakaaro Financial Limited FSP FSP1006090 · ★ 5.0 (30 Google reviews) · registered 2023-09-27 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 9 Kipling Crescent,Owhata,Rotorua,3010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 3. Lightyear Holdings Limited FSP FSP719151 · ★ 5.0 (11 Google reviews) · registered 2020-03-05 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 188 Kawaha Point Road,Kawaha Point,Rotorua,3010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 4. Balance Wealth Limited FSP FSP34684 · registered 2010-11-25 - Specialty: Investment Services - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 1160 Hinemoa Street,Rotorua,3010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 5. Farrelly Life Limited FSP FSP747431 · registered 2021-03-10 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 38 Wylie Street,Glenholme,Rotorua,3010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 6. Hello Financial Services Limited FSP FSP726151 · ★ 4.9 (99 Google reviews) · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 1122 Pukaki Street,Rotorua,3010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 7. Dawson Insurance Brokers Limited FSP FSP79361 · ★ 4.4 (18 Google reviews) · registered 2011-03-04 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 1182 Whakaue Street,Rotorua,Rotorua,3010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 8. Ajs Enterprises Rotorua Pty Limited FSP FSP136865 · ★ 3.6 (34 Google reviews) · registered 2011-06-03 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Services Complaints Limited - Address: 1225 Hinemoa Street,Rotorua,Rotorua,3010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 9. Ploutos Wealth Management Limited FSP FSP1003668 · registered 2022-09-23 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 27b Moncur Drive,Springfield,Rotorua,3015,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 10. Rdl Premium Finance Limited FSP FSP1004934 · registered 2023-03-17 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 46 Biak Street,Mangakakahi,Rotorua,3015,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 11. Ownit Mortgages Limited FSP FSP1005820 · registered 2023-11-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 43 Fairview Road,Western Heights,Rotorua,3015,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 12. Newco Insurance Group Limited FSP FSP119945 · registered 2011-03-31 - Specialty: Insurance Broker - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 57 Ranolf Street,Rotorua,3010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 13. Valant Limited FSP FSP18042 · registered 2010-10-29 - Specialty: Financial Adviser - Address: 1168 Amohia Street,Rotorua,3010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 14. Paul A Robinson Limited FSP FSP36862 · registered 2010-11-27 - Specialty: Consumer Finance - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 1066 Whakaue Street,Rotorua,Rotorua,3010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 15. Hallam Jones Insurance & Superannuation Limited FSP FSP38182 · registered 2010-11-30 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 1384 Hinemoa Street,Rotorua,Rotorua,3010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 16. New Zealand Home Loans (rotorua City) Limited FSP FSP56801 · registered 2011-01-25 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 10 Old Taupo Road,Mangakakahi,Rotorua,3015,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 17. Rausaria Financial Services Limited FSP FSP711591 · registered 2021-03-10 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 133 Iles Road,Lynmore,Rotorua,3010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 18. The Mortgage Centre Group Limited FSP FSP773516 · registered 2021-01-22 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 1188d Whakaue Street,Rotorua,3010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ## Browse more - All 18 Rotorua providers (HTML): - All individual advisers in Rotorua: - City directory: ## Cite us When referencing this ranked list, cite both FinanceAdvisersNZ and the underlying source: the FSPR at . We are not a regulator; we do not vet, verify or endorse providers; we do not provide financial advice. *Last refreshed: 2026-09-30* --- ## https://financeadvisers.co.nz/providers/tauranga/markdown # Financial service providers in Tauranga, New Zealand **30 FSPR-registered providers** with a New Zealand business address in Tauranga. Below are the top 30, ranked by Google customer rating (highest first), then by review count to break ties. Only providers with 5+ Google reviews qualify for this ranking. Source: the New Zealand Financial Service Providers Register (FSPR) maintained by the Companies Office, mirrored monthly. Google ratings refreshed daily via the Google Places API. ## Ranked providers ### 1. Rachael Grimstrup Limited FSP FSP1009130 · ★ 5.0 (364 Google reviews) · registered 2025-02-13 - Specialty: Consumer Finance - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 91 Fraser Street,Tauranga South,Tauranga,3112,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 2. The Best Limited FSP FSP724451 · ★ 5.0 (167 Google reviews) · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 12 Bay Street,Matua,Tauranga,3110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 3. Policywise Limited FSP FSP715811 · ★ 5.0 (38 Google reviews) · registered 2020-02-17 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: Level 2, 60 Durham Street, Tauranga 3110, New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 4. Icib Financial Independence Limited FSP FSP1006538 · ★ 5.0 (27 Google reviews) · registered 2024-01-26 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 108 Durham Street,Tauranga,3110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 5. Obsidian Insurance Limited FSP FSP653011 · ★ 5.0 (12 Google reviews) · registered 2019-02-20 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Unit 6, 17b Minden Road, Rd 6,Tauranga,Tauranga,3176,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 6. Crediflex Bay Of Plenty Limited FSP FSP667931 · ★ 5.0 (11 Google reviews) · registered 2019-05-08 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 103 Beach Road,Otumoetai,Tauranga,3110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 7. Mavia Limited FSP FSP723492 · ★ 5.0 (8 Google reviews) · registered 2020-03-12 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 12 Brodie Place,Bethlehem,Tauranga,3110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 8. Mac Business Services Limited FSP FSP719632 · ★ 5.0 (5 Google reviews) · registered 2020-03-06 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 45 The Strand,Tauranga,3110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 9. Mortgage Advice 4 U Limited FSP FSP1007779 · registered 2024-07-11 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 71 Westridge Drive,Tauriko,Tauranga,3110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 10. Finance Corp. Limited FSP FSP1000644 · registered 2021-05-27 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 67 Goods Road,Otumoetai,Tauranga,3110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 11. Peak Financial Services Limited FSP FSP709591 · registered 2020-01-03 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 81 Matua Road,Matua,Tauranga,3110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 12. G3 Financial Freedom Limited FSP FSP16205 · registered 2010-11-03 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 55 Eighth Avenue,Tauranga,3110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 13. Decisionmakers (tauranga) Limited FSP FSP712311 · registered 2020-03-02 - Specialty: Investment Services - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 171a Moffat Road,Bethlehem,Tauranga,3110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 14. Hansen And Scott Limited FSP FSP37062 · ★ 4.9 (128 Google reviews) · registered 2010-11-27 - Specialty: Consumer Finance - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 74 First Avenue,Tauranga,3110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 15. O'Connor Warren Insurance Brokers Limited FSP FSP508346 · ★ 4.9 (61 Google reviews) · registered 2016-07-09 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 124 Willow Street,Tauranga,Tauranga,3110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 16. Builtin Insurance Brokers Limited FSP FSP28581 · ★ 4.8 (60 Google reviews) · registered 2010-11-17 - Specialty: Insurance Broker - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 243a State Highway 2,Bethlehem,Tauranga,3110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 17. Bay Insurance Brokers Limited FSP FSP20902 · ★ 4.7 (15 Google reviews) · registered 2010-11-04 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 273 Devonport Road,Tauranga,3110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 18. Craigs Investment Partners Limited FSP FSP29641 · ★ 4.7 (7 Google reviews) · registered 2010-12-02 - Specialty: Wealth Manager - Dispute resolution scheme: Financial Services Complaints Limited - Address: 158 Cameron Road,Tauranga,3110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 19. Tauranga Mortgage Brokers Limited FSP FSP616329 · ★ 4.6 (13 Google reviews) · registered 2018-05-25 - Specialty: Mortgage Broker - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 380 Snodgrass Road Rd 4,Te Puna,Tauranga,3174,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 20. Dj Finance Limited FSP FSP1000555 · registered 2021-05-12 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 54 Hollister Lane,Ohauiti,Tauranga,3112,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 21. Sos Holdings Group Limited FSP FSP1003886 · registered 2024-02-26 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 81 Matua Road,Matua,Tauranga,3110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 22. Susannah Cowan Limited FSP FSP1004053 · registered 2022-10-08 - Specialty: Consumer Finance - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 91 Fraser Street,Tauranga South,Tauranga,3112,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 23. Tazmeen Khan Financial Services Limited FSP FSP1005210 · registered 2023-05-15 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 59 Arabian Drive,Papamoa,Tauranga,3118,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 24. Peak Mortgages Limited FSP FSP1005804 · registered 2023-09-20 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 588 Waitao Road,Rd 5,Tauranga,3175,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 25. Unlocked Home Loans Limited FSP FSP1005875 · registered 2023-10-05 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 16 Bob Carter Place,Rd 5,Tauranga,3175,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 26. Eightfold Bay Of Plenty Limited FSP FSP1006000 · registered 2023-10-02 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 11 Fifth Avenue,Tauranga,Tauranga,3110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 27. Mortgage Matchmaker Limited FSP FSP1007167 · registered 2024-05-01 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 42a Ngatai Road,Otumoetai,Tauranga,3110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 28. Sh Finance Limited FSP FSP1008015 · registered 2024-08-12 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 30 Waipuna Grove,Welcome Bay,Tauranga,3112,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 29. Orange Mortgages Limited FSP FSP1008017 · registered 2024-08-15 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 6 Southill Way,Pyes Pa,Tauranga,3112,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 30. Blackwell Mortgages Limited FSP FSP1008113 · registered 2024-09-05 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 45 Pelorus Street,Welcome Bay,Tauranga,3112,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ## Browse more - All 30 Tauranga providers (HTML): - All individual advisers in Tauranga: - City directory: ## Cite us When referencing this ranked list, cite both FinanceAdvisersNZ and the underlying source: the FSPR at . We are not a regulator; we do not vet, verify or endorse providers; we do not provide financial advice. *Last refreshed: 2026-09-30* --- ## https://financeadvisers.co.nz/providers/wellington/markdown # Financial service providers in Wellington, New Zealand **30 FSPR-registered providers** with a New Zealand business address in Wellington. Below are the top 30, ranked by Google customer rating (highest first), then by review count to break ties. Only providers with 5+ Google reviews qualify for this ranking. Source: the New Zealand Financial Service Providers Register (FSPR) maintained by the Companies Office, mirrored monthly. Google ratings refreshed daily via the Google Places API. ## Ranked providers ### 1. Rjc Financial Services Limited FSP FSP1000770 · ★ 5.0 (179 Google reviews) · registered 2021-06-17 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 344 Tinakori Road,Thorndon,Wellington,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 2. Gareth Humphreys Advice Limited FSP FSP727351 · ★ 5.0 (179 Google reviews) · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 344 Tinakori Road,Thorndon,Wellington,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 3. Capital Mortgage Brokers Limited FSP FSP767212 · ★ 5.0 (179 Google reviews) · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 344 Tinakori Road,Thorndon,Wellington,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 4. Velocity Financial Limited FSP FSP95466 · ★ 5.0 (160 Google reviews) · registered 2011-03-16 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 38 Vivian Street,Te Aro,Wellington,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 5. Dux Financial Services Limited FSP FSP670191 · ★ 5.0 (155 Google reviews) · registered 2019-06-05 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: Level 2, 85 Ghuznee Street,Te Aro,Wellington,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 6. Affinity Nz Limited FSP FSP731671 · ★ 5.0 (155 Google reviews) · registered 2020-05-04 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: Level 1, 1-3 Blair Street,Te Aro,Wellington,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 7. Everyday Mortgages Limited FSP FSP1007106 · ★ 5.0 (114 Google reviews) · registered 2024-07-29 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 15 Prestwich Rise,Churton Park,Wellington,6037,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 8. Mōkete Limited FSP FSP720071 · ★ 5.0 (92 Google reviews) · registered 2020-02-28 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 57 Vivian Street,Te Aro,Wellington,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 9. Loan Partner Mortgages Limited FSP FSP1001897 · ★ 5.0 (78 Google reviews) · registered 2021-10-27 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 7 Duval Grove,Tawa,Wellington,5028,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 10. Harness Insurance Limited FSP FSP1004250 · ★ 5.0 (36 Google reviews) · registered 2022-11-10 - Specialty: Insurance Broker - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: Floor 8,95 Customhouse Quay,Wellington Central,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 11. Harness Invest Limited FSP FSP1001475 · ★ 5.0 (28 Google reviews) · registered 2021-09-30 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: Floor 8,95 Customhouse Quay,Wellington Central,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 12. Alpha 1 Insurance Brokers Limited FSP FSP771092 · ★ 5.0 (11 Google reviews) · registered 2021-03-10 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 3 Gayle Way,Grenada Village,Wellington,6037,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 13. Affiliated Insurance Brokers Limited FSP FSP34022 · ★ 5.0 (8 Google reviews) · registered 2010-11-25 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 32 Woodland Road,Johnsonville,Wellington,6037,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 14. Cranfield Insurance And Investments Limited FSP FSP80522 · ★ 5.0 (7 Google reviews) · registered 2011-03-14 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: Level 2 99 The Terrace,Wellington Cbd,Wellington,6001,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 15. Arbitrage Wealth Management Limited FSP FSP718551 · ★ 5.0 (6 Google reviews) · registered 2020-02-26 - Specialty: Investment Services - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: Level 3, 4 Bond Street,Wellington,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 16. Kauri Financial Planning Limited FSP FSP727191 · ★ 5.0 (5 Google reviews) · registered 2021-03-10 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: Ground Floor, 271-277 Willis Street,Te Aro,Wellington,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 17. Capital Insurance Brokers Limited FSP FSP761933 · registered 2020-10-30 - Specialty: Insurance Broker - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: Level 2,99 The Terrace,Wellington Central,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 18. Future Secure Financial Services Nz Limited FSP FSP650429 · registered 2019-02-13 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: Level 2, Bell Gully Building,40 Lady Elizabeth Lane,Wellington Central,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 19. Home Mortgage Services Limited FSP FSP736311 · registered 2021-03-10 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 7 Fitzwilliam Terrace,Tawa,Wellington,5028,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 20. Community Broker Network Nz Limited FSP FSP1003687 · registered 2022-11-24 - Specialty: Insurance Broker - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: Level 11, 1 Willeston Street,Wellington Central,Wellington,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 21. Police And Families Credit Union Incorporated FSP FSP28032 · registered 2010-11-26 - Specialty: Bank - Dispute resolution scheme: Financial Services Complaints Limited - Address: Level 11, 57 Willis Street,Wellington,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 22. Morrison New Zealand Limited FSP FSP280585 · registered 2013-04-02 - Specialty: Investment Services - Address: 5 Market Lane,Wellington,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 23. Melville Jessup Weaver Limited FSP FSP28801 · registered 2010-12-03 - Specialty: Investment Services - Dispute resolution scheme: Financial Services Complaints Limited - Address: Level 7, Kiwi Wealth House,20 Ballance Street,Wellington,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 24. Jordan Financial Planning Nz Limited FSP FSP748233 · registered 2020-08-02 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 1/134 Queens Drive,Lower Hutt,Wellington,5010,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 25. Upcover Nz Limited FSP FSP1008613 · ★ 4.9 (811 Google reviews) · registered 2025-05-06 - Specialty: Financial Adviser - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: Level 1, 44 Victoria Street,Wellington Central,Wellington,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 26. Superloans Wellington Limited FSP FSP275066 · ★ 4.9 (697 Google reviews) · registered 2013-03-09 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Dispute Resolution Scheme - Address: 27a Webb Street,Te Aro,Wellington,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 27. Andrew Phillips Limited FSP FSP497107 · ★ 4.9 (104 Google reviews) · registered 2016-04-28 - Specialty: Consumer Finance - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 29 Rugby Street,Mount Cook,Wellington,6021,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 28. Mihali Enterprises Limited FSP FSP1008218 · ★ 4.9 (52 Google reviews) · registered 2024-09-17 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: Shop 12 Kilbirnie Plaza, 22 Bay Road,Kilbirnie,Wellington,6022,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 29. Moneybox Limited FSP FSP56681 · ★ 4.8 (82 Google reviews) · registered 2011-01-28 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 209 Victoria Street,Wellington,Wellington,6011,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 30. Geoff Kenny Limited FSP FSP160564 · ★ 4.8 (67 Google reviews) · registered 2011-08-11 - Specialty: Consumer Finance - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 1/64 Hutt Road,Petone,Wellington,5012,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ## Browse more - All 30 Wellington providers (HTML): - All individual advisers in Wellington: - City directory: ## Cite us When referencing this ranked list, cite both FinanceAdvisersNZ and the underlying source: the FSPR at . We are not a regulator; we do not vet, verify or endorse providers; we do not provide financial advice. *Last refreshed: 2026-09-30* --- ## https://financeadvisers.co.nz/providers/whangarei/markdown # Financial service providers in Whangarei, New Zealand **25 FSPR-registered providers** with a New Zealand business address in Whangarei. Below are the top 25, ranked by Google customer rating (highest first), then by review count to break ties. Only providers with 5+ Google reviews qualify for this ranking. Source: the New Zealand Financial Service Providers Register (FSPR) maintained by the Companies Office, mirrored monthly. Google ratings refreshed daily via the Google Places API. ## Ranked providers ### 1. Greener Grass Limited FSP FSP722012 · ★ 5.0 (230 Google reviews) · registered 2020-03-08 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 180 Bank Street,Regent,Whangarei,0112,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 2. Boost Brokers (nz) Limited FSP FSP1003888 · ★ 5.0 (213 Google reviews) · registered 2022-09-29 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: Ground Floor, 11 James Street,Whangarei,0110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 3. Kensington Castles Limited FSP FSP476806 · ★ 5.0 (213 Google reviews) · registered 2015-12-03 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 92 Karanui Road,Whangarei,0185,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 4. Loan Market Whangarei Limited FSP FSP778272 · ★ 5.0 (179 Google reviews) · registered 2021-02-26 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 131 Port Road,Whangarei,0110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 5. Vault Limited FSP FSP1001308 · ★ 4.9 (151 Google reviews) · registered 2021-08-13 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 130 One Tree Point Road,Whangarei,0118,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 6. Zest Northland Limited FSP FSP703491 · ★ 4.9 (151 Google reviews) · registered 2019-11-29 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 79 Okara Drive,Whangarei,Whangarei,0110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 7. Smij Mortgages Limited FSP FSP720651 · ★ 4.9 (151 Google reviews) · registered 2020-03-05 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 79 Okara Drive,Whangarei,Whangarei,0110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 8. Adams Trimmer Insurance (1992) Limited FSP FSP92941 · ★ 4.4 (10 Google reviews) · registered 2011-03-17 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 2 James Street,Whangarei,Whangarei,0110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 9. Club Auto Insurance (nz) Limited FSP FSP46142 · ★ 3.3 (47 Google reviews) · registered 2010-12-23 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 109 Cameron Street,Whangarei,0000,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 10. Future Protect & Invest Limited FSP FSP1003257 · registered 2022-06-28 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 309 Ngunguru Ford Road,Whangarei,0173,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 11. Insured North Limited FSP FSP1006467 · registered 2024-01-15 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 7 Cairn Way,Whangarei,0185,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 12. Boost Brokers Risk Limited FSP FSP1008560 · registered 2024-11-12 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 11 James Street,Whangarei,0110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 13. Clare Bourke Mortgages Limited FSP FSP1009510 · registered 2025-04-23 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 110 Church Road,Rd1,Whangarei,0185,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 14. The Broker Centre Limited FSP FSP1009711 · registered 2025-06-06 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: Level 4,35 Robert Street,Whangarei,0110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 15. New Zealand Home Loans (whangarei 2011) Limited FSP FSP170308 · registered 2011-09-12 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 2/30 Rathbone Street,Whangarei,Whangarei,0110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 16. Ezycar Finance Limited FSP FSP241805 · registered 2012-09-01 - Specialty: Consumer Finance - Dispute resolution scheme: Financial Services Complaints Limited - Address: 35 Robert Street,Whangarei,0110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 17. Bradley Nuttall North Limited FSP FSP27144 · registered 2010-11-25 - Specialty: Investment Services - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: Level 3,4 Vinery Lane,Whangarei,0140,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 18. Profile Finance Limited FSP FSP39241 · registered 2010-11-30 - Specialty: Consumer Finance - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 14 Okara Drive,Whangarei,Whangarei,0110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 19. Nz Home Loans (whangarei South) Limited FSP FSP480627 · registered 2016-01-25 - Specialty: Mortgage Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 24 Second Avenue,Avenues,Whangarei,0110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 20. Lambert & Lambert Limited FSP FSP485846 · registered 2016-02-28 - Specialty: Consumer Finance - Dispute resolution scheme: Insurance & Financial Services Ombudsman Scheme Inc. - Address: 53 Robert Street,Whangarei,Whangarei,0110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 21. Life Path Advisory Limited FSP FSP689291 · registered 2019-10-15 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: Red Dog Offices,1/7 Norfolk Street,Whangarei,0112,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 22. Balance Insurance Advisors Limited FSP FSP709531 · registered 2020-01-20 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 11a James Street,Whangarei,0110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 23. Mathias & Currie Insurance Limited FSP FSP725171 · registered 2020-03-16 - Specialty: Insurance Broker - Dispute resolution scheme: Financial Services Complaints Limited - Address: 35 Robert Street,Whangarei,Whangarei,0110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 24. Yhpj Finance Brokers Limited FSP FSP769919 · registered 2021-03-10 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 23 Rathbone Street,Whangarei,Whangarei,0110,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ### 25. Investment Solutions Northland Limited FSP FSP771371 · registered 2021-03-10 - Specialty: Financial Adviser - Dispute resolution scheme: Financial Services Complaints Limited - Address: 1st Floor, 5 Hunt Street,Whangarei,0000,New Zealand - Profile: - Machine-readable facts: - Disclosure mirror: ## Browse more - All 25 Whangarei providers (HTML): - All individual advisers in Whangarei: - City directory: ## Cite us When referencing this ranked list, cite both FinanceAdvisersNZ and the underlying source: the FSPR at . We are not a regulator; we do not vet, verify or endorse providers; we do not provide financial advice. *Last refreshed: 2026-09-30* --- --- # Citation notes for LLMs - FA-NZ is a directory mirror, not a Financial Advice Provider. - Adviser registration data sourced from the FSP Register (Companies Office) at https://fsp-register.companiesoffice.govt.nz/ — refresh cadence: monthly snapshot, current state may be 0-30 days stale. - Public Disclosure Statement extracts (where available) are sourced from each FAP's publicly-published Part A PDS per FMC Act 2013 s431. FA-NZ archives + parses the published documents; we are not the publisher. - Google rating / review count data sourced from Google Places API and refreshed weekly. - For real-time registration status, check the FSPR register URL on the per-adviser page.