Scope of Service

Getting help with the financial decisions that matter to you

Advice process

I specialise in Risk Insurance, Personal Loan, and KiwiSaver. Based on your request or information gathered from you, my scope of service to you for insurance products will be one of them: √ Personalised Advice: My advice and recommendations will be personalised to your specific situation, taking into account your goals, objectives, personal situation, or your specific needs. √ Product Advice only: I will make product recommendation options for you as you do not want personalised advice. You will decide the coverage type and amount according to your current budget. √ Execution only/ No advice: You know what you want, you don’t want advice and you are looking for assistance with acquiring or disposing of insurance products. √ Referral Service: In this service, I will refer to an in-house specialist for Fire & General Insurance and Lending for more specialist help.

Your Responsibilities

It is your responsibility to provide me with accurate and relevant information at the time that the initial information is being gathered by way of the Fact Find or Needs Analysis, whichever takes place first. If you provide me with incomplete or inaccurate information, I may not be able to provide you with the advice, products or services you are seeking.It is important that you understand your obligation to provide me with accurate and relevant information in order for the financial services provider to appropriately assess the risk and make an informed decision about the products you may be seeking.For insurance/lending products, in order for the insurer/lender to assess the risk and the appropriate premium, the law requires you to disclose all the information you know, or should know, that would influence the judgment of a prudent insurer/lender in deciding whether or not to insure you or to provide credit, and if so on what terms and at what cost. This is called your duty of disclosure. For example, you should disclose your current income, medical history, and all information about insured and uninsured losses and claims. For more details about What you need to tell us click here.

Termination

I undertake to exercise care, diligence, and skill in providing you with a financial adviser service. If at any time, you wish to terminate this engagement, you must advise me in writing. Upon receipt of such advice by you, I then undertake to confirm termination of the engagement to you in writing within two business days, not including any public holidays.

Use of your information

In order to provide financial adviser services to you, I collect your personal information including full name, address, contact details, goals and objectives and financial details. I use this information so that I can assess your insurance needs, administer your insurance policies as required, provide clients with the products and services they request and provide you with ongoing financial adviser services as requested. If you do not provide the information requested, this may result in the inability to service you. This information is held at my office or Insurance Network Office. The information is also stored in CRM, a data storage provider using a Cloud based platform.If at any time you wish to have access to, or correct any information I hold about you, please contact me. I may be required to disclose information by law. I may also disclose personal/business information to other financial institutions and organisations at their request if you seek to obtain products and/or services from them. Personal/business information may also be disclosed to:• Professionals including but not limited to solicitors, accountants, mortgage brokers and stockbrokers when a referral is required, at your request;• If you have insurance, those involved in the insurance process including but not limited to claims investigators, medical practitioners, re-insurers, insurance reference agencies;• If I intend to sell my business, any prospective purchaser of my business; or• The Financial Markets Authority and/or any other regulatory body as required.From time to time, this information may be updated and/or changed and I undertake to advise you of material changes to any of the items and/or products/services noted above by email and/or mail.

Fees, Expenses and Conflicts of Interest

When I arrange insurance for you, the provider(s) may pay us a commission or fee or both. The amount of the commission or fee varies between providers and products and is based on a percentage of the Annual Premium or Total Lending (if applicable). The commission varies from .45% to 230% or the fee from $40 to $390. Insurance Network retains a percentage of this commission or fee for the services they provide to me. The providers also may pay a renewal fee or commission when your policy or lending annually renews. This amount can vary from .15% to 15%. I don't get paid an incentive if you take a product I recommend. However, a portion of my commission/pay is determined by the performance of Insurance Network and/or my team and by the quality of my work. Insurance Network and I do not charge any fees or commission for the advice or work I provide to you. There are no other fees at this time, however, if you cancel the insurance or lending partway through the cancellation period of 24 months from the commencement of the policy or lending, Insurance Network will charge the total commission clawed back from the provider.

Privacy Act 2020 Information

I respect the privacy of your personal information. Our Privacy Policy sets out how we collect, store, use and disclose your personal information, which we do in accordance with the Privacy Act 2020. For more details please click here.

Complaints Policy

I am committed to providing you with excellent service, quality advice and products. I have to meet strict legal duties when providing financial advice, our website has information about these duties. If needed, our website has information about our internal complaints process, how to make a complaint, and our free, independent dispute resolution scheme. Please refer to our Internal Complaints Process that can be found here.