Financial advice disclosure

Care4U
7 Beaubank Road, Kelston, Auckland
aman@care4u.co.nz · www.care4u.co.nz

Licensing information

ADSR Limited (FSP1009779), trading as Care4U, holds a full Class 2 licence issued by the Financial Markets Authority to provide financial advice. Our financial advisers are authorised under that licence to provide financial advice.

Nature and scope of the advice

Care4U provides advice about personal risk insurance for New Zealand residents. Our advisers can recommend and arrange cover including life, trauma, total and permanent disability, income protection, mortgage repayment cover and health insurance with leading New Zealand insurers.

We do not provide advice on whole-of-life or endowment products, general insurance (such as house or contents), or financial products issued outside New Zealand unless specifically agreed in writing.

Fees or expenses

Care4U does not charge a separate fee for initial advice when cover remains in force for at least two years. If a policy is cancelled within two years of inception, a fee may apply. Any fee and how it is charged will be explained before you proceed.

Conflicts of interest and incentives

When you take out insurance, insurers pay commission to ADSR Limited and to the adviser. Commission is based on the premium and product type. Our advice process is designed to prioritise your interests. We compare multiple insurers and explain how we are remunerated before you commit.

Complaints handling and dispute resolution

If you are not satisfied with our service, contact us at aman@care4u.co.nz or call +64 2041520231. We will follow our internal complaints process and aim to resolve matters within 10 working days.

If we cannot resolve your complaint, you may refer it to Financial Services Complaints Limited (FSCL) — email complaints@fscl.org.nz, phone 0800 347 257, or write to PO Box 5967, Wellington 6140.

Disciplinary history or reliability events

There have been no professional indemnity claims, disputes resolution actions, or disciplinary actions brought against ADSR Limited trading as Care4U that are required to be disclosed.

Duties information

Care4U and anyone who gives financial advice on our behalf have duties under the Financial Markets Conduct Act 2013. We must give priority to your interests, exercise care, diligence and skill, meet competence and knowledge standards, and meet ethical behaviour and client-care standards set by the Code of Professional Conduct for Financial Advice Services.

More information is available by contacting us or visiting the Financial Markets Authority website.

Contact
ADSR Limited (FSP1009779), trading as Care4U
Phone: +64 2041520231 · Email: aman@care4u.co.nz
7 Beaubank Road, Kelston, Auckland