Lift Capitals Limited

“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.”

“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.”

“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.”

“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.”

“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”

“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 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.”