New Zealand Pathfinder Limited
Introduction
New Zealand Pathfinder Ltd operates independently under its own Financial Advice Provider (FAP) license (FSP743974). As a fully licensed FAP, New Zealand Pathfinder Ltd is committed to delivering professional, compliant, and tailored financial advice services. Operating independently allows us to directly oversee and control all aspects of our financial advice processes, ensuring that our services align consistently with regulatory standards and best practices. Our dedication to transparency, compliance, and client-focused advice defines our approach.
Disclosure & Policies
The following information provides you with an important overview of New Zealand Pathfinder Limited, our duties to you, fees and how we manage complaints.
Licensing Information
New Zealand Pathfinder Limited (FSP743974) holds a licence issued by the Financial Markets Authority to provide financial advice.
Nature and Scope of the Advice
New Zealand Pathfinder Limited provides advice to our clients about their travel insurance, life insurance and health insurance.
Our financial advisers provide financial advice in relation to, life insurance and health insurance.
We only provide financial advice about products from certain providers:
·For Life Insurance we work with companies - Fidelity Life Assurance Company Limited, AIA New Zealand Limited, Chubb Life Insurance New Zealand Limited and Partners Life Limited
·For Health Insurance we work with providers - AIA New Zealand Limited, nib nz limited, Accuro Health Insurance (Health Service Welfare Society Limited) and Partners Life Limited
·We provide general financial advice on KiwiSaver and the Generate KiwiSaver Scheme. We can help you understand the risks and rewards of KiwiSaver and the Generate KiwiSaver Scheme. We can also show you how to use a risk profile tool, become a member or how to transfer between KiwiSaver schemes. We will not provide recommendations or opinions on financial products issued by other providers
Fees or Expenses
New Zealand Pathfinder Limited DO NOT charge fees for any financial advice we provided to the clients.
Conflicts of Interest and Incentives
For travel insurance, life insurance and health insurance, New Zealand Pathfinder Limited and the financial adviser receive commissions from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to New Zealand Pathfinder Limited and your financial adviser. The amount of the commission is based on the amount of the premium.
To ensure that our financial advisers prioritise our clients’ interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each client’s goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme is undertaken annually by a reputable compliance adviser.
Complaints and Dispute Resolution
If you are not satisfied with our financial advice service you can make a complaint by emailing support@nzpf.co.nz, or by calling: 03 385 8197. You can also write to us at: PO Box 5586, Papanui, Christchurch 8542.
When we receive a complaint, we will consider it following our internal complaints process:
- We will consider your complaint and let you know how we intend to resolve it. We may need to contact you to get further information about your complaint.
- We aim to resolve complaints within 10 working days of receiving them. If we can't, we will contact you within that time to let you know we need more time to consider your complaint.
- We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so.
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 (FSCL) - A Financial Ombudsman Service
Financial Services Complaints Limited (FSCL) - A Financial Ombudsman Service provides 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.
You can contact Financial Services Complaints Limited (FSCL) - A Financial Ombudsman Service
0800 347 257
PO Box 5967 Wellington 6140
Duties Information
New Zealand Pathfinder Ltd, and anyone who gives financial advice on our behalf, 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 by taking all reasonable steps to make sure our advice isn’t materially influenced by our 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 we 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 we treat you as we should, and give you suitable advice).
This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at https://www.fma.govt.nz.
Contact Details
New Zealand Pathfinder Limited (FSP743974), also trading as NZ-Pathfinder Financial Services is the Financial Advice Provider.
You can contact us at:
Phone: 03 385 8197
Email: support@nzpf.co.nz
Address: 2/11 Leslie Hills Drive, Riccarton, Christchurch 8011
Post: PO Box 5586, Papanui, Christchurch 8542
- responding to your requests or inquiries;
- providing services to you (e.g. to enable us to recommend Products to you);
- sending communications and direct marketing to you about products and services we think may be of interest to you (whether through mail, telephone or electronic means (including email and SMS/MMS);
- market research; and
- any other purpose authorised by you or the Privacy Act
- NZ Financial Services Group Limited (NZFSG) and its related bodies corporate;
- credit reporting agencies;
- with your authorisation, banks (e.g. through the use of illion Bank Statements) and employers;
- Product Providers (e.g. during the term of any loan or insurance we have arranged on your behalf, in order to answer your queries or assist you with your financial arrangements as your circumstances change). If applicable, the Product Providers may also periodically disclose your loan balance or premium to us in connection with the payment of ongoing commission to us over the term of your loan or insurance; and
- any other person authorised by you or the Privacy Act.
- authorised the disclosure to us and the collection, use and disclosure of their personal information by us in accordance with this Privacy Policy; and
- has been informed of their right to access and request correction of their personal information.
- NZFSG and its related bodies corporate;
- Product Providers and other prospective lenders, third parties or other intermediaries in relation to your finance or insurance requirements (including a prospective lender’s mortgage insurer (if any), any person with whom a lender or insurer proposes to enter into contractual arrangements, any person who provides a guarantee or security and any trustee and any assignee or potential assignee of a lender’s or insurer’s rights);
- our referral partners who can help you with other services;
- contractors or service providers;
- investors, or any entity that has an interest in our business or any entity to whom we consider assigning or transferring any of our rights or obligations or selling all or part of our business;
- anyone who we are legally required or authorised to share your information with, including regulators and government agencies;
- to auditors (such as NZFSG) to ensure we are providing services to you that are in your best interests, and in accordance with current regulations;
- your employer and referees, as well as credit reporting and identity verification agencies; and
- any other person or entity authorised by you or the Privacy Act.
- your name and address
- a description of your concern
- what you would like us to do to put things right
- a phone number and the best time to contact you
- any other relevant information.