Disclosure Information

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Licensing Information

Clemence Limited (FSP758931, trading as Resure) holds a licence issued by the Financial Markets Authority to provide financial advice.
Vested Limited (FSP1003118) are also authorised under the licence held by Resure to provide advice.

You can contact us at:

Phone: 0800 232 238 or 027 819 7715
Email: jordan.clemence@resure.co.nz
Address: 355 Selwyn Street, Addington, Christchurch 8024 or PO Box 341, Christchurch Central, Christchurch 8140

Nature and scope of the advice

Resure and our advisers provide advice to our clients about their life insurance, health insurance, lending, and KiwiSaver schemes.

We only provide financial advice about products from certain providers:

  • Life and Disability Insurance – AIA, AMP (now Resolution Life), Asteron Life, Chubb, Fidelity Life, NIB, Partners Life & Southern Cross.
  • Health Insurance – Accuro, AIA, NIB, Partners Life & Southern Cross.
  • KiwiSaver – ANZ, Aurora, Booster, Fisher Funds, Generate, Kernel, Milford, NZ Funds & Pathfinder.
  • Loans and Mortgages – ANZ, ASB, BNZ, Kiwibank, Westpac, ASB Go Home loans, ASAP Finance, Avanti, Basecorp, Co-Operative Bank, Cressida, DBR, FMT, Funding Partners, Heartland, Liberty, Unity, Pepper Money, Plus Finance, Prospa, Southern Cross Finance, Pallas Capital, Bizcap, CMFL, Finbase, Xceda, Vincent Capital, Simplify, XE, The Lending People.

Fees or expenses

Resure does not charge fees, expenses or any other amount for any financial advice provided to its clients.

Conflicts of interest and incentives

Resure and our financial advisers receive commissions from the providers on whose products we give financial advice (insurers lenders and KiwiSaver providers). If you decide to take out insurance, lending or a KiwiSaver Scheme, the provider will pay a commission to Resure and to your financial adviser.

The amount of commission is based on the amount of the premium, lending or the KiwiSaver balance.

From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives.

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 maintain registers of conflicts of interests, and the gifts and incentives we receive.

Resure monitors these registers and provides additional training where necessary. Resure performs an annual review of our compliance programme.

Complaints handling and dispute resolution

If you are not satisfied with our financial advice service you can make a complaint by emailing

jordan.clemence@resure.co.nz, or by calling: 027 819 7715 . You can also write to us at: Resure, 355 Selwyn Street, Addington, Christchurch 8024 or PO Box 341, Christchurch Central, Christchurch 8140.

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 cannot resolve your complaint, or you are not satisfied with the way we propose to do so, you can contact the Financial Services Complaints Limited Scheme at Address: PO Box 5967, Wellington 6140, New Zealand or phone 0800 347 257 or email at complaints@fscl.org.nz.

The FSCL provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we have not been able to resolve your complaint to your satisfaction.

Duties information

Resure, 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 is not

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.

This information is available in writing on request.