Disclosure

Care4U

7 Beaubank Road, 

Kelston, Auckland

aman@care4u.co.nz, www.care4u.co.nz

LICENSING INFORMATION

ADSR Limited (FSP1009779) trading as (Care4U) is the Financial Advice Provider that holds a class 2 licence issued by the Financial Markets Authority to provide financial advice. Our Financial Advisers are authorised by that licence to provide financial advice.

NATURE AND SCOPE OF THE ADVICE

Advisers under the ADSR Limited licence provide advice to our clients about their personal risk insurance . Our Financial Advisers provide financial advice in relation to these financial advice products.

For Life and/or Disability insurance, we work with:

• Fidelity Life
• AIA

For Health Insurance we work with:

• AIA

In providing you with financial advice, our Financial Advisers will only consider existing personal term life, trauma and income protection. We will not provide advice on existing whole of life or endowment products, so you will need to consult a specialist if you would like advice on those products. We are unable to take into consideration or provide advice on financial products issued outside of New Zealand.

FEES OR EXPENSES

Advisers under the ADSR Limited do not charge fees, expenses or any other amount for the financial advice provided to its clients provided the cover stays in force for at least 2 years. Care4U may charge a fee for the financial advice provided to a client where a client cancels a life or health insurance policy within two years of inception.

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Whether a fee will be charged and the manner in which it will be charged will be advised when the advice is provided to the client. This fee will be payable by the client by the 20th of the month after the policy is cancelled.

CONFLICTS OF INTEREST AND INCENTIVES

For life insurance, Care4U 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 care4u and to the 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 HANDLING AND DISPUTE RESOLUTION

If you are not satisfied with our financial advice service you can make a complaint by emailing aman@care4u.co.nz, or by calling 02041520231 .

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 of New Zealand 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 the Financial Services Complaints Limited ( FSCL ) – a Financial Ombudsman Service of New Zealand by emailing 

complaints@fscl.org.nz or by calling 0800 347 257. 

You can also write at : PO Box- 5967, Wellington 6140

Disciplinary History Or Reliability Events.

There have been no Professional Indemnity insurance or negligence claims, disputes resolution actions, or disciplinary actions brought against us.

DUTIES INFORMATION

Care4u , 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

Care4U NZ

Contact details:

ADSR (FSP1009779, trading as Care4U) is the Financial Advice Provider.

You can contact us at:

Phone: +64 2041520231 

Email: aman@care4u.co.nz

Address: 7 Beaubank Road, Kelston Henderson, Auckland