My Disclosure – Sent out at time of engagement/advice to each client
This document sets out important information that Finsure New Zealand Limited is required to make publicly available in accordance with the Financial Markets Conduct Regulations 2014.
Licensing Information
Finsure New Zealand Limited (FSP1005389, trading as Finsure NZ) is a Financial Advice Provider (FAP) licensed and regulated by the Financial Markets Authority to provide financial advice. We have Authorised Bodies and/or Financial Advisers to provide financial advice under our license. To view the list of these companies, click here (or you can search by “Finsure New Zealand Limited” or “FSP1005389” in the Financial Service Providers Register (FSPR) under the ‘Financial Services’ tab).
Nature and scope of advice
We only provide financial advice in relation to mortgages and personal loans provided by:
ANZ
Westpac
BNZ
Kiwi Bank
ASB
Cressida Capital
SBS
First Mortgage Trust
Heartland Bank
Avanti Finance
Pepper Money
TSB
Basecorp Finance
DBR
Liberty Financial
The Co-operative Bank
CFML
Southern Cross Partners
Prospa
Finbase
Funding Partners
General Finance
Pallas Capital
GEM By Latitude
Odin
Tower Insurance
Fees and Expenses
Finsure NZ does not provide financial advice directly to clients, so we do not charge fees and expenses to clients.
The Authorised Bodies and/or Financial Advisors may charge a fee for the financial advice that is provided to you.
If a fee is charged to you, it will depend on the nature and scope of the advice or service provided to you by your Financial Adviser. Your Financial Adviser will disclose to you any fees before they proceed and explain how and when they are payable. This information will be set out in their Disclosure Statements.
Conflicts of Interest and Commissions
The Authorised Bodies and/or Financial Advisers are usually remunerated by commissions or fees paid by the product providers 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 will be set out in their Disclosure Statements.
To ensure Advisers prioritise our clients’ interests:
•They follow an advice process that ensures their recommendations are made appropriately, based on the 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 conduct regular assurance in relation to the advice provided by a Financial Adviser which assesses, among other matters, how conflicts of interest have been managed.
Complaints and Dispute Resolution
If you have a complaint or concern about the financial advice or the service you have received from an Authorised Body and/or a Financial Adviser please tell us as soon as possible.
Phone: 0800 FINSURE (0800 346 787)
Email: complaints@
Write: 2nd Floor / 9 Huron Street,
Takapuna Auckland 0622
To contact Financial Services Complaints Limited:
Phone: 0800 347 257
Email: complaints@
Address: PO Box 5967, Wellington 6140
Website: Complaint Form | Financial Services Complaints Ltd
Information about an Authorised Body’s internal complaints service and their dispute resolution scheme can be found in their Disclosure statements.
Our Duties
Finsure NZ 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.