Zest 2008 Limited

“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).”

“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.”

“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.”

“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.”

“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.”