Filcare Insurance Services Disclosure Statement

LICENCE DETAILS

Filcare Services Limited holds a full Financial Advice Providers license. Our
registration number is FSP759811. We are regulated by the Financial Markets
Authority (FMA).

WHAT WE DO

 

Filcare Services Limited provides advice to our clients about the following products
• personal risk

• health 

• travel

 

We provide personalised advice through our financial advisers.
Our advisers can assess your needs and provide personalised advice suited to your situation.

 

As your insurance adviser, we can source and recommend products from a number of
insurers. However, we may recommend a product or provider that we have negotiated
exclusive rates with. In this case we will disclose this fact to you.

 

NATURE AND SCOPE OF OUR FINANCIAL ADVICE SERVICE

 

Filcare Services Limited can provide advice about personal, health and travel insurance. Our financial advisers provide financial advice in relation to these products.

 

We can refer you to others when you require advice on other financial products like Kiwisaver and home loans.

 

CONFLICTS OF INTEREST AND COMMISSIONS OR OTHER INCENTIVES

 

Filcare Services Limited will receive commission from the insurance companies on whose
policies we give advice. If you decide to take out a policy, the insurer will pay us commission
based on the premium that you pay.
If our financial adviser has a conflict of interest in circumstances where financial advice has
been provided to more than one client who may have a dispute later on, we will clearly
disclose the conflict of interest to the clients and will refer one of them to another financial
adviser who may be able to assist them without prejudice.

 

We manage all conflicts of interest, ensuring our financial advisers prioritise your interests
above their own, by following an advice process that ensures our recommendations are made
on the basis of your needs and circumstances. All of our financial advisers complete training
to understand and manage conflicts of interest. We maintain a register of conflicts of interests
and any gifts and other incentives that we may receive. We review our compliance
programme annually.

 

DUTIES

 

Filcare Services Limited and our financial advisers are bound by the following duties under
the Financial Markets Conduct Act 2013 to:
• Meet the standards of competence, knowledge, and skill set out in the Code of
Professional Conduct for Financial Advice Services (Code of Conduct), which form part
of the wider regulatory regime for financial advice and ensure we have the expertise
necessary to provide you with advice; and
• Give priority to your interests by taking all reasonable steps to ensure that the advice
given to you is not materially influenced by our own interests or the interests of any
other person connected with the giving of advice; and
• Exercise care, diligence, and skill that a prudent person engaged in the occupation of
giving related financial advice would in the same circumstances; and
• Meet the standards of ethical behaviour, conduct, and client care set out in the Code
of Conduct, to treat you as we should and to provide you with suitable advice.

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PRIVACY STATEMENT

 

PERSONAL INFORMATION WE COLLECT

Filcare Services Limited acts in accordance with the Privacy Act 2020. We only collect, store and use personal information that is relevant for the purpose of providing services to our clients.

We uphold our duty to maintain confidentiality and securely store client information. We will obtain consent before collecting client information.

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The Financial Markets Authority (FMA) New Zealand reserves the right to view and obtain our client records, for the purpose of auditing our compliance with the FMC Act and regulations.

Filcare Services Limited will store client information for a minimum of 7 years from the date of application, as required by FMA.

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HOW WE USE CLIENT INFORMATION

• Conducting our financial services with detailed and accurate information

• Meeting our legal and regulatory obligations (e.g. complying with FMA)

 

We share your Personal Information with third parties that we partner with to provide our services. For example, the information we collect will be shared with the chosen insurance provider.

 We may also disclose your Personal Information to abide with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive, or to otherwise protect our rights.

 

AMENDMENTS

We may update this privacy policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal or regulatory reasons. CONTACT US for more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us by e-mail at filcareservices@gmail.com or by mail using the details provided below:

79 Aurora Terrace, Hillcrest, Hamilton, WKO, 3216, New Zealand

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COMPLAINTS AND DISPUTE RESOLUTION

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If you are not satisfied with the service you have received from Filcare Services Limited and
our financial advisers please contact us or send an email to
complaints@filcareinsurance.co.nz. We have an internal complaints process that we
undertake to investigate your concerns promptly and fairly.

 

If you feel that your complaint has not been resolved to your satisfaction, then you should
contact the Financial Services Complaints Limited (https://www.fscl.org.nz).
This service will cost you nothing and you can contact them at:
Financial Services Complaints Limited,
Level 4, 101 Lambton Quay, Wellington 6011
0800 347 257
complaints@fscl.org.nz

 

You also have the right to address your complaint to the Financial Markets Authority (FMA).
Details of the FMA complaints process are available on the FMA website
(https://www.fma.govt.nz).
The FMA can also be contacted at Level 2, 1 Grey Street, PO Box 1179, Wellington 6140 or by
phone 04 472 9830.