Enva Financial Limited

Fees

“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.”

Commission

“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.”

Product panel

“Enva Financial Limited have chosen to work with the following personal risk insurers: - Accuro - AIA - Chubb Life - Fidelity Life - NIB - Partners Life - Southern Cross”

Conflicts of interest

“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.”

Scope of advice

“The conditions of our licence allow us to provide the following financial advice services: - Personal Life Risk & Medical Insurance - KiwiSaver”

Dispute resolution

“Financial Dispute Resolution Service”

Material relationships

“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.”