Disclosure Information
The following information provides you with an important overview of Assured Limited, our duties to you, fees and how we manage complaints.
Licence Status and Conditions
Assured Limited, FSP645889, trading as Assured Group and Assured Insurance and Finance, holds a financial advice providers licence issued by the Financial Markets Authority.
Nature and Scope of Advice
Assured Limited provides advice to our clients about their financial, lending, life, and risk insurance needs.
We have access a wide panel of approved lenders including banks and other finance institutions for mortgage and commercial lending products including residential lending, property investment, construction loans, commercial loans and asset finance. When providing advice we will always look to prioritize clients’ needs and objectives to ensure appropriate advice is given and loan structures are put in place.
We have access to a broad range of insurance providers and advise on life, trauma, key person, private health insurance as well as other risk products. We also provide advocacy and support at claim time.
Fees, expenses, or other amounts payable
Assured Limited may charge you a fee for providing financial advice, placing of loans and finance, and for arranging, altering or cancelling your risk insurance. If a fee will be charged, you will be advised at the time the financial advice is provided.
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In some circumstances we may recommend another service provider to assist us in providing appropriate financial advice. These providers can include accountant, solicitors, property valuers, property surveyors. These providers will charge a fee for the work they do. We will advise you of any related fees and charges prior to having them commence any work on your behalf.
Conflicts of interest and commissions or other incentives
Assured Limited has established relationships with product providers which allow us to provide competitive pricing and support services to our clients.
Assured Limited is paid commissions from the lenders and insurance product providers that we have relationships with. The amount of commission received varies from provider to provider and generally calculated as a percentage of the total value of the business being placed with the provider.
Assured Limited does not accept any benefits from product providers such as business lunches, tickets to sporting or other events. If these are received they are either returned or where appropriate donated to charity.
Complaints & Disputes Process
If you are not fully satisfied with the services provided by Assured Limited, please contact your financial adviser or Assured Limited directly. Assured Limited’s complaints officer will formally acknowledge your complaint in writing and will endeavour to resolve your complaint fairly and in a timely manner. Please review our Complaints Disclosure document for more details on Assured Limited’s complaints handling process. This can be found on our website at www.assuredgroup.co.nz or you can request a copy by emailing admin@assuredgroup.co.nz
Duties
We believe in delivering the most appropriate advice possible. We are bound by duties under the Financial Markets Conduct Act 2013 (Act).
We are required to:
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Meet certain standards of competence, knowledge and skill, as set by the Code of Professional Conduct for Financial Advice Services (Code of Conduct). These have been designed to ensure that we have the relevant expertise to provide you with advice.
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Take reasonable steps to ensure that you understand the nature and scope of the advice we give you and let you know if there are any limitations on the advice we provide. This will help you ensure that the advice provided meets your goals and objectives.
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Give priority to your interest, by taking all reasonable steps to make sure our advice isn’t materially influenced by our own interests.
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Exercise a prudent level of care, diligence and skill.
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Meet certain standards of ethical behaviour, conduct and client care as required by the Code of Conduct. These are designed to ensure that we treat you as we should and give you suitable advice.
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Not offer or recommend a finance or insurance product that contravenes the Act or related regulations. This gives you peace of mind that the products we recommend are compliant with relevant laws.
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Make certain disclosure information available to you at certain times, for example when advice is provided. We must not provide false, misleading or incomplete information. You can access the Code of Professional Conduct for Financial Advice Services here.
To view our Privacy Statement click here
Contact Details
Assured Limited [FSP645889] holds a financial advice provider licence issued by the Financial Markets Authority.
You can contact us at:
Phone: 021 544 150
Email: admin@assuredgroup.co.nz
Address: PO Box 1609, Nelson 7040