Clemence Limited (FSP758931, trading as Resure) holds a licence issued by the Financial
Markets Authority to provide financial advice.
You can contact us at:
NATURE AND SCOPE OF THE ADVICE
Resure provides advice to our clients about their life insurance, health insurance and class advice on KiwiSaver.
Our financial advisers provide financial advice in relation to Life Insurance, Health Insurance, and class advice on KiwiSaver.
We only provide financial advice about products from certain providers:
- For life insurance, we work with eight companies – Cigna, Fidelity Life, Asteron Life, AIA, AMP, Partners Life, Southern Cross & NIB.
- For health insurance, we work with four providers – AIA, Partners Life, Southern Cross, NIB.
- For KiwiSaver NZ Funds
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 and KiwiSaver providers). If you decide to take out insurance or a or to take our KiwiSaver provider, 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, 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
firstname.lastname@example.org, or by calling: 027 819 7715 . You can also write to us at: Resure, 355 Selwyn Street, Addington, Christchurch 8024.
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 5367, Wellington 6145, New Zealand or phone 0800 347 257 or email at email@example.com.
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.
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.