Disclosures

We provide the following Disclosures to make certain information publicly available to you. Please reach out to us if you have any worries or questions.

Disclosures

We provide the following Disclosures to make certain information publicly available to you. Please reach out to us if you have any worries or questions.

Disclosures

We provide the following Disclosures to make certain information publicly available to you. Please reach out to us if you have any worries or questions.

Public Disclosure Information – Affinity+Co Life Limited (FSP 727711)

Licensing information
Affinity+Co Life Limited (FSP727711), trading as Affinity+Co (Affinity+Co, we, our, us) is a Financial Advice Provider (FAP) and is named as an Authorised Body to provide a financial advice service under the FAP Licence held by PSC Connect Life NZ Ltd.

PSC Connect Life NZ Ltd (PSCCLNZ) (FSP678631) is the Transitional licence holder, as approved by the Financial Markets Authority (FMA).

There are no special licence conditions imposed.

Nature and scope of the advice
Affinity+Co Life Limited provides advice to clients about Life & Health Insurance and our Financial Advisers provide financial advice in relation to these financial advice products.

Affinity+Co Life Limited will not provide advice on Fire & General Insurance, Investments, any form of lending, Kiwisaver, or Mortgages, so you will need to consult a specialist if you would like advice on those products. Should you require advice on these types of products, we will refer you to:

  • our colleagues at Affinity & Co General Limited (who are part of affinity+co) for general insurance; and
  • an external specialist for KiwiSaver, Investments or Mortgages

Affinity+Co Life can provide financial advice on a variety of products from a wide range of New Zealand based and overseas providers and includes but is not limited to:

Financial advice products

  • Life Cover
  • Trauma Cover
  • Total and Permanent Disability (TPD)
  • Income Protection
  • Mortgage Protection
  • Business Expenses
  • Farmers Income Protection
  • Health

Providers

  • AMP
  • AIA
  • Accuro
  • Asteron Life
  • Fidelity Life
  • Southern Cross
  • Partners Life
  • NIB

We are not aware of any material limitations or restrictions on the scope of financial advice service we provide. If these are identified, we will disclose them to you.

Fees and expenses
Affinity+Co does not charge fees, expenses, or any other amount for providing financial advice.

Sometimes other fees are charged that do not relate to the financial advice such as credit card fees. If so, we will advise you of this in our recommendation.

Conflicts of interest and commissions or other incentives
When we arrange insurance for you, the provider(s) pay us a commission. The amount of the commission varies between providers and products and is based on a percentage of the premium.

PSCCLNZ retain a percentage of this commission for the range of professional services they provide to Affinity+Co Life Limited.

Affinity+Co Life Limited and PSCCLNZ are members of the Financial Services Council. They supply us with benefits to support us in providing our financial advice services.

If a person or entity has referred you to us, we may pay them a percentage of the commission we receive for their referral.

A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute. If this occurs the financial adviser will disclose the conflict of interest to you and refer one client to another financial adviser for advice and assistance.

To ensure that our financial advisers prioritise your interests above their own, we follow an advice process that ensures our recommendations are made based on the information you’ve provided and your unique circumstances.

We maintain a register of conflicts of interest, of gifts and any other incentives we may receive.

If we believe there is a conflict of interest – real or perceived – we will discuss this with you.

PSCCLNZ and Affinity+Co Life Limited also undertake annual internal reviews to ensure compliance with these statements.

Complaints handling & dispute resolution
Please refer to our Internal Complaints Process that can be found here.

Duties information
Affinity+Co Life Limited, PSCCLNZ and anyone who gives financial advice on their 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 isn’t materially influenced by our own interests;
  • exercise care, diligence and skill in providing you with advice;
  • meet standards of competence, knowledge, and skill as 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 FMA website http://www.fma.govt.nz

Identifying information
Affinity+Co Life Limited (FSP727711), trading as Affinity+Co is a Financial Advice Provider (FAP).

Our contact details are:

Phone: 03 683 1840
Email: info@affinityco.co.nz
Address: Level 1, 251 Stafford Street, Timaru 7910

Corey Baxter (FSP702352) is a Financial Adviser of Affinity+Co Life Limited Insurance and his contact details are:

Phone: 027 260 8456
Email: corey@affinityco.co.nz

Kaylee Carter (FSP1000290) is a Financial Adviser of Affinity+Co Life Limited Insurance and her contact details are:

Phone: 022 604 9716
Email: kaylee@affinityco.co.nz

Public Disclosure Information – Affinity & Co General Limited (FSP 712872)

Licensing information
Affinity & Co General Limited (FSP712872), trading as affinity+co (we, our, us), is a Financial Advice Provider (FAP) and is named as an Authorised Body to provide a financial advice service under the FAP Licence held by PSC Connect NZ Ltd.

PSC Connect NZ Ltd (PSCCNZ) (FSP331526) is the Transitional licence holder, as approved by the Financial Markets Authority (FMA).

There are no special licence conditions imposed.

Nature and scope of the advice
Affinity & Co General Limited provides advice to clients about General Insurance, and our Financial Advisers provide financial advice in relation to these financial advice products.

Affinity & Co General Limited will not provide advice on Life and Health Insurance, Investments, KiwiSaver, Medical Insurance or Mortgages, so you will need to consult a specialist if you would like advice on those products. Should you require advice on these types of products, we will refer you to:

  • our colleagues at Affinity + Co Life Limited (who are part of affinity+co) for Life, Health and Medical Insurance; and
  • an external specialist for KiwiSaver, Investments or Mortgages.

Affinity & Co General Limited can provide financial advice on a variety of products from a wide range of New Zealand based and overseas providers and includes but is not limited to:

Financial advice products

  • Business Insurance
  • Farm Insurance
  • Lifestyle Block
  • Property/Material Damage
  • Business Interruption
  • Commercial Vehicles
  • Vehicle Fleet
  • Marine
  • Trade Credit
  • Travel
  • Liability (Core and Specialty Products)
  • Engineering/Contract Works
  • Event Cancellation
  • Forestry
  • Mobile Plant
  • Livestock
  • Pet
  • House
  • Contents
  • Private Motor Vehicles
  • Breakdown

Providers

  • AIG
  • Allianz
  • Ando
  • Berkshire Hathaway
  • Certain Underwriters at Lloyd’s
  • Chubb
  • Classic Cover
  • Club Auto
  • CFC
  • Concordia
  • Covermore
  • Delta
  • Dual
  • Euler Hermes
  • Event Cover
  • IAG (NZI, Lumley)
  • Mecon
  • Nautical Marine
  • NM Insurance
  • Protecsure
  • PetPlan
  • QBE
  • Sage
  • Rosser
  • Salt Marine
  • Star Insurance Specialists
  • Sunderland Marine
  • TAI
  • TLC Insurance
  • UAA
  • Vero (Vero, Vero Liability, Vero Marine)
  • Zurich

We are not aware of any material limitations or restrictions on the scope of the financial advice service we provide. If these are identified, we will disclose them to you.

How we get paid
We earn our income from either a fee or commissions (or a combination of) earned from providers.

Fees and expenses
Should you proceed with our financial advice and we arrange insurance for you, then a fee may be charged. This fee will be based on the amount of work and time required to provide and implement our advice and will be shown on your invoice.

If we arrange insurance for you and you cancel it partway through the insurance period, we may keep some or all of that fee from any refund due to you by the provider.

We may charge a fee for making adjustments to your insurance during the insurance period. This fee will show on your invoice.

PSCCNZ retain a percentage of this fee for a range of professional services they provide to Affinity & Co General Limited.

Other fees may be payable in connection with:

  • some policy/provider comparisons; and
  • particular documentation we prepare in the event of sourcing quotes and insurance terms.

If so, we will discuss these with you when we know the scope and nature of the advice you need.

Sometimes other fees are charged that do not relate to the financial advice, such as credit card fees. If so, we will advise you of this in our recommendation.

Conflicts of interest and commissions or other incentives
When we arrange insurance for you, the provider(s) may pay us a commission. The amount of the commission varies between providers and products and is based on a percentage of the Company Premium and Natural Disaster premium (if applicable).

If we arrange insurance for you and you cancel it partway through the insurance period, we may keep some or all of the commission from any refund due to you by the provider.

PSCCNZ retain a percentage of this commission for a range of professional services they provide to Affinity & Co General Limited.

If a person or entity has referred you to us, we may pay them a percentage of the commission and/or fees we receive for their referral.

A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute. If this occurs, the financial adviser will disclose the conflict of interest to you and refer one client to another financial adviser for advice and assistance.

To ensure that our Financial Advisers prioritise your interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the information you have provided and your unique circumstances.

We maintain a register of conflicts of interest, of gifts and any other incentives we may receive.

If we believe there is a conflict of interest – real or perceived – we will discuss this with you.

PSCCNZ and Affinity & Co General Limited also undertake annual internal reviews to ensure compliance with these statements.

Premium funding
Premium funding enables you to pay the insurance premium by instalments rather than make a lump sum payment.

Premium funding companies charge interest, and they take a power of attorney over your insurance policy. This means they have the ability to cancel your insurance policy if you fail to pay an instalment.

If you enter into a premium funding arrangement, the premium funding company will pay Affinity & Co General Limited a commission as a percentage of the amount they fund. We share some of this commission with PSCCNZ for the services they provide.

We will disclose the amount of this when we know the scope and nature of the advice you need and whether you want to pay by instalments.

Complaints handling & dispute resolution
Please refer to our Internal Complaints Process that can be found here

Duties information
Affinity & Co General Limited, PSCCNZ and anyone who gives financial advice on their 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 own interests don’t materially influence our advice;
  • exercise care, diligence and skill in providing you with advice;
  • meet standards of competence, knowledge, and skill as 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 FMA website here.

Identifying information
Affinity & Co General Limited (FSP712872), trading as affinity+co, is a Financial Advice Provider (FAP).

Our contact details are:

Call our office on: 03 683 1840
Email us at: info@affinityco.co.nz
Visit us at: Level 1, 251 Stafford Street, Timaru 7910
Mail us: PO Box 224 Timaru 7940

Mark Colvill (FSP690052) is a Financial Adviser of Affinity & Co General Limited and his contact details are:

Phone: 027 832 3877
Email: mark@affinityco.co.nz

Glossary

Authorised body
Is an entity named on a financial advice provider’s licence that can provide the licensed service without needing its own licence. Authorised Bodies must register on the Financial Service Providers Register as a financial advice provider.

Financial advice
A recommendation or an opinion about buying or selling financial advice products.

Financial advice provider
A business or individual who provides a financial advice service.

Financial advice service
Engages one or more individuals to give financial advice on their behalf or provides financial advice on their own account.

Financial adviser
Is an individual registered on the Financial Service Providers Register to provide a financial advice service, who is not a financial advice provider.

Financial markets authority (FMA)
Is the New Zealand government agency responsible for enforcing securities, financial reporting and company law as they apply to financial services and securities markets.

Financial service provider
FSP refers to Financial Service Provider, a person who provides or offers to provide a financial service (as per the FSP Act)

Financial service providers register (FSPR)
A searchable register of people, businesses and organisations that provide financial services in New Zealand. The register contains key information about FSPs, including the financial services they provide, any relevant licences they hold and the dispute resolution scheme they belong to.

Providers
Means Insurers, Underwriting Agencies and Premium Funders.

Transitional licence
Approved by the FMA and must be held with effect from 15th March 2021 by a financial advice provider providing advice to retail clients.

Public Disclosure Information – Affinity+Co Life Limited (FSP 727711)

Licensing information
Affinity+Co Life Limited (FSP727711), trading as Affinity+Co (Affinity+Co, we, our, us) is a Financial Advice Provider (FAP) and is named as an Authorised Body to provide a financial advice service under the FAP Licence held by PSC Connect Life NZ Ltd.

PSC Connect Life NZ Ltd (PSCCLNZ) (FSP678631) is the Transitional licence holder, as approved by the Financial Markets Authority (FMA).

There are no special licence conditions imposed.

Nature and scope of the advice
Affinity+Co Life Limited provides advice to clients about Life & Health Insurance and our Financial Advisers provide financial advice in relation to these financial advice products.

Affinity+Co Life Limited will not provide advice on Fire & General Insurance, Investments, any form of lending, Kiwisaver, or Mortgages, so you will need to consult a specialist if you would like advice on those products. Should you require advice on these types of products, we will refer you to:

  • our colleagues at Affinity & Co General Limited (who are part of affinity+co) for general insurance; and
  • an external specialist for KiwiSaver, Investments or Mortgages

Affinity+Co Life can provide financial advice on a variety of products from a wide range of New Zealand based and overseas providers and includes but is not limited to:

Financial advice products

  • Life Cover
  • Trauma Cover
  • Total and Permanent Disability (TPD)
  • Income Protection
  • Mortgage Protection
  • Business Expenses
  • Farmers Income Protection
  • Health

Providers

  • AMP
  • AIA
  • Accuro
  • Asteron Life
  • Fidelity Life
  • Southern Cross
  • Partners Life
  • NIB

We are not aware of any material limitations or restrictions on the scope of financial advice service we provide. If these are identified, we will disclose them to you.

Fees and expenses
Affinity+Co does not charge fees, expenses, or any other amount for providing financial advice.

Sometimes other fees are charged that do not relate to the financial advice such as credit card fees. If so, we will advise you of this in our recommendation.

Conflicts of interest and commissions or other incentives
When we arrange insurance for you, the provider(s) pay us a commission. The amount of the commission varies between providers and products and is based on a percentage of the premium.

PSCCLNZ retain a percentage of this commission for the range of professional services they provide to Affinity+Co Life Limited.

Affinity+Co Life Limited and PSCCLNZ are members of the Financial Services Council. They supply us with benefits to support us in providing our financial advice services.

If a person or entity has referred you to us, we may pay them a percentage of the commission we receive for their referral.

A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute. If this occurs the financial adviser will disclose the conflict of interest to you and refer one client to another financial adviser for advice and assistance.

To ensure that our financial advisers prioritise your interests above their own, we follow an advice process that ensures our recommendations are made based on the information you’ve provided and your unique circumstances.

We maintain a register of conflicts of interest, of gifts and any other incentives we may receive.

If we believe there is a conflict of interest – real or perceived – we will discuss this with you.

PSCCLNZ and Affinity+Co Life Limited also undertake annual internal reviews to ensure compliance with these statements.

Complaints handling & dispute resolution
Please refer to our Internal Complaints Process that can be found here.

Duties information
Affinity+Co Life Limited, PSCCLNZ and anyone who gives financial advice on their 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 isn’t materially influenced by our own interests;
  • exercise care, diligence and skill in providing you with advice;
  • meet standards of competence, knowledge, and skill as 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 FMA website http://www.fma.govt.nz

Identifying information
Affinity+Co Life Limited (FSP727711), trading as Affinity+Co is a Financial Advice Provider (FAP).

Our contact details are:

Phone: 03 683 1840
Email: info@affinityco.co.nz
Address: Level 1, 251 Stafford Street, Timaru 7910

Corey Baxter (FSP702352) is a Financial Adviser of Affinity+Co Life Limited Insurance and his contact details are:

Phone: 027 260 8456
Email: corey@affinityco.co.nz

Kaylee Carter (FSP1000290) is a Financial Adviser of Affinity+Co Life Limited Insurance and her contact details are:

Phone: 022 604 9716
Email: kaylee@affinityco.co.nz

Public Disclosure Information – Affinity & Co General Limited (FSP 712872)

Licensing information
Affinity & Co General Limited (FSP712872), trading as affinity+co (we, our, us), is a Financial Advice Provider (FAP) and is named as an Authorised Body to provide a financial advice service under the FAP Licence held by PSC Connect NZ Ltd.

PSC Connect NZ Ltd (PSCCNZ) (FSP331526) is the Transitional licence holder, as approved by the Financial Markets Authority (FMA).

There are no special licence conditions imposed.

Nature and scope of the advice
Affinity & Co General Limited provides advice to clients about General Insurance, and our Financial Advisers provide financial advice in relation to these financial advice products.

Affinity & Co General Limited will not provide advice on Life and Health Insurance, Investments, KiwiSaver, Medical Insurance or Mortgages, so you will need to consult a specialist if you would like advice on those products. Should you require advice on these types of products, we will refer you to:

  • our colleagues at Affinity + Co Life Limited (who are part of affinity+co) for Life, Health and Medical Insurance; and
  • an external specialist for KiwiSaver, Investments or Mortgages.

Affinity & Co General Limited can provide financial advice on a variety of products from a wide range of New Zealand based and overseas providers and includes but is not limited to:

Financial advice products

  • Business Insurance
  • Farm Insurance
  • Lifestyle Block
  • Property/Material Damage
  • Business Interruption
  • Commercial Vehicles
  • Vehicle Fleet
  • Marine
  • Trade Credit
  • Travel
  • Liability (Core and Specialty Products)
  • Engineering/Contract Works
  • Event Cancellation
  • Forestry
  • Mobile Plant
  • Livestock
  • Pet
  • House
  • Contents
  • Private Motor Vehicles
  • Breakdown

Providers

  • AIG
  • Allianz
  • Ando
  • Berkshire Hathaway
  • Certain Underwriters at Lloyd’s
  • Chubb
  • Classic Cover
  • Club Auto
  • CFC
  • Concordia
  • Covermore
  • Delta
  • Dual
  • Euler Hermes
  • Event Cover
  • IAG (NZI, Lumley)
  • Mecon
  • Nautical Marine
  • NM Insurance
  • Protecsure
  • PetPlan
  • QBE
  • Sage
  • Rosser
  • Salt Marine
  • Star Insurance Specialists
  • Sunderland Marine
  • TAI
  • TLC Insurance
  • UAA
  • Vero (Vero, Vero Liability, Vero Marine)
  • Zurich

We are not aware of any material limitations or restrictions on the scope of the financial advice service we provide. If these are identified, we will disclose them to you.

How we get paid
We earn our income from either a fee or commissions (or a combination of) earned from providers.

Fees and expenses
Should you proceed with our financial advice and we arrange insurance for you, then a fee may be charged. This fee will be based on the amount of work and time required to provide and implement our advice and will be shown on your invoice.

If we arrange insurance for you and you cancel it partway through the insurance period, we may keep some or all of that fee from any refund due to you by the provider.

We may charge a fee for making adjustments to your insurance during the insurance period. This fee will show on your invoice.

PSCCNZ retain a percentage of this fee for a range of professional services they provide to Affinity & Co General Limited.

Other fees may be payable in connection with:

  • some policy/provider comparisons; and
  • particular documentation we prepare in the event of sourcing quotes and insurance terms.

If so, we will discuss these with you when we know the scope and nature of the advice you need.

Sometimes other fees are charged that do not relate to the financial advice, such as credit card fees. If so, we will advise you of this in our recommendation.

Conflicts of interest and commissions or other incentives
When we arrange insurance for you, the provider(s) may pay us a commission. The amount of the commission varies between providers and products and is based on a percentage of the Company Premium and Natural Disaster premium (if applicable).

If we arrange insurance for you and you cancel it partway through the insurance period, we may keep some or all of the commission from any refund due to you by the provider.

PSCCNZ retain a percentage of this commission for a range of professional services they provide to Affinity & Co General Limited.

If a person or entity has referred you to us, we may pay them a percentage of the commission and/or fees we receive for their referral.

A financial adviser may have a conflict of interest in circumstances where financial advice has been provided to two clients who later have a dispute. If this occurs, the financial adviser will disclose the conflict of interest to you and refer one client to another financial adviser for advice and assistance.

To ensure that our Financial Advisers prioritise your interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the information you have provided and your unique circumstances.

We maintain a register of conflicts of interest, of gifts and any other incentives we may receive.

If we believe there is a conflict of interest – real or perceived – we will discuss this with you.

PSCCNZ and Affinity & Co General Limited also undertake annual internal reviews to ensure compliance with these statements.

Premium funding
Premium funding enables you to pay the insurance premium by instalments rather than make a lump sum payment.

Premium funding companies charge interest, and they take a power of attorney over your insurance policy. This means they have the ability to cancel your insurance policy if you fail to pay an instalment.

If you enter into a premium funding arrangement, the premium funding company will pay Affinity & Co General Limited a commission as a percentage of the amount they fund. We share some of this commission with PSCCNZ for the services they provide.

We will disclose the amount of this when we know the scope and nature of the advice you need and whether you want to pay by instalments.

Complaints handling & dispute resolution
Please refer to our Internal Complaints Process that can be found here.

Duties information
Affinity & Co General Limited, PSCCNZ and anyone who gives financial advice on their 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 own interests don’t materially influence our advice;
  • exercise care, diligence and skill in providing you with advice;
  • meet standards of competence, knowledge, and skill as 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 FMA website here.

Identifying information
Affinity & Co General Limited (FSP712872), trading as affinity+co, is a Financial Advice Provider (FAP).

Our contact details are:

Call our office on: 03 683 1840
Email us at: info@affinityco.co.nz
Visit us at: Level 1, 251 Stafford Street, Timaru 7910
Mail us: PO Box 224 Timaru 7940

Mark Colvill (FSP690052) is a Financial Adviser of Affinity & Co General Limited and his contact details are:

Phone: 027 832 3877
Email: mark@affinityco.co.nz

Glossary

Authorised body
Is an entity named on a financial advice provider’s licence that can provide the licensed service without needing its own licence. Authorised Bodies must register on the Financial Service Providers Register as a financial advice provider.

Financial advice
A recommendation or an opinion about buying or selling financial advice products.

Financial advice provider
A business or individual who provides a financial advice service.

Financial advice service
Engages one or more individuals to give financial advice on their behalf or provides financial advice on their own account.

Financial adviser
Is an individual registered on the Financial Service Providers Register to provide a financial advice service, who is not a financial advice provider.

Financial markets authority (FMA)
Is the New Zealand government agency responsible for enforcing securities, financial reporting and company law as they apply to financial services and securities markets.

Financial service provider
FSP refers to Financial Service Provider, a person who provides or offers to provide a financial service (as per the FSP Act)

Financial service providers register (FSPR)
A searchable register of people, businesses and organisations that provide financial services in New Zealand. The register contains key information about FSPs, including the financial services they provide, any relevant licences they hold and the dispute resolution scheme they belong to.

Providers
Means Insurers, Underwriting Agencies and Premium Funders.

Transitional licence
Approved by the FMA and must be held with effect from 15th March 2021 by a financial advice provider providing advice to retail clients.

After further information?

Get in touch for an obligation free conversation with one of our advisors

Contact us
After further information?

Get in touch for an obligation free conversation with one of our advisors

Contact us