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The following information provides you with an important overview of New Zealand Pathfinder Limited, our duties to you, fees and how we manage complaints.
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New Zealand Pathfinder Limited (FSP743974) holds a licence issued by the Financial Markets Authority to provide financial advice.
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New Zealand Pathfinder Limited provides advice to our clients about their travel insurance, life insurance and health insurance.
Our financial advisers provide financial advice in relation to, life insurance and health insurance.
We only provide financial advice about products from certain providers:
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In most cases you will not pay a fee for our financial advice.
Where we arrange an insurance product on your behalf, we are ordinarily remunerated by the insurer or product provider by way of brokerage or commission, paid out of the premium at no additional cost to you.
A fee may be charged where the services you request fall outside the agreed nature and scope of our advice. For example, to service or review an additional policy or contract not originally issued through our company; for specialist valuation or risk work; or where no brokerage or commission is payable to us.
Any such fee is calculated based on the time we spend on the additional work or service you have requested, or the additional expenses incurred through the market. This is charged at our standard rate of $300 per hour plus additional expenses.
Where a fee applies, we will notify you in advance, explain the nature of the work and cost, confirm the amount of the fee or our estimate of it, and obtain your approval before any work commences. No fee will be charged without your prior agreement.
Separately from our remuneration, certain amounts are payable by you to other parties in relation to your cover. These include GST, any policy or administration fee charged by the insurer, and costs from other providers, including other brokers. These amounts are set by those parties rather than by us, and will be itemised in the invoice and documentation we provide to you.
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Our financial advisers are required to give priority to our clients’ interests ahead of their own. We follow a documented advice process that ensures all recommendations are based on each client’s objectives, needs and circumstances.
We maintain business relationships with product providers and may receive commissions, or support for conferences and professional development. We manage these conflicts by basing our recommendations on your goals and circumstances, giving priority to your interests, relying on independent research, and maintaining a conflicts of interest register so that any actual or potential conflicts are identified, recorded and appropriately managed.
All of our financial advisers complete annual training on the identification and management of conflicts of interest.
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If you are not satisfied with our financial advice service you can make a complaint by emailing [email protected], or by calling: 03 385 8197. You can also write to us at: PO Box 5586, Papanui, Christchurch 8542.
When we receive a complaint, we will consider it following our internal complaints process:
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
Financial Services Complaints Limited (FSCL) - A Financial Ombudsman Service 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 Financial Services Complaints Limited (FSCL) - A Financial Ombudsman Service
0800 347 257
PO Box 5967 Wellington 6140
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New Zealand Pathfinder Ltd, 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:
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.
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New Zealand Pathfinder Limited (FSP743974), also trading as NZ-Pathfinder Financial Services is the Financial Advice Provider.
You can contact us at:
| Phone: | 03 385 8197 |
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| Email: | [email protected] |
| Address: | 2/11 Leslie Hills Drive, Riccarton, Christchurch 8011 |
| Post: | PO Box 5586, Papanui, Christchurch 8542 |
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08/09/2026
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