Disclosure Statement

Company Name – Fintrade Tech Solutions Ltd

Licensing Information

Fintrade Tech Solutions Ltd., trading as Fintrade Financial is a licensed Financial Advice Provider (FAP) under the Financial Markets Authority (FMA). We hold a CLASS 2 category license, which enables us to provide financial advice on certain products. Our Financial Service Provider Registration Number is FSP 480106

Contact Details

Fintrade Tech Solutions Ltd., trading as Fintrade Financial (FSP480106) is the Licensed Financial Advice Provider (FAP).

Business Address: 32 Mauranui Ave, EPSOM, Auckland 1051, New Zealand
Phone Number: +64 27 569 8956
Email: info@fintradetech.com

Our Advice and Product Providers

Fintrade Financial offers advice on

Fire and general insurance,

Disability, life insurance and

KiwiSaver investments.

The financial advice we provide is based solely on the information you provide about your financial needs and goals. During the advice process will request you to share all the relevant information that you believe will be relevant to us being able to provide the financial advice to you.

Not all Fintrade advisers can provide advice on all financial products, and we only offer advice on products from select providers.

The financial product providers we work with:

Insurance

KiwiSaver

Commission and incentives

We will receive commissions from the product providers when you take out mortgage insurance or invest in a KiwiSaver scheme that we recommend.

The amount of commission depends on the product and provider. To manage any potential conflicts of interest, we follow an internal policy that ensures we prioritize your interests and provide unbiased advice. From time to time, we may receive additional rewards, such as event tickets or other incentives from providers. During the advice process, I will inform you of any material incentives that they receive as a result of the advice provided to you.

We will inform you of the actual commission we receive during the process of providing the financial advice to you.

Fees and Expenses

Fintrade generally receives its fees from the product provider companies we represent. If there are any situations where a fee is applicable, we will inform you upfront before providing any advice or service e. All fees will be discussed and agreed upon in advance.

We provide a detailed quote before commencing any service. If you do not proceed with our advice, no fee will be charged.

Conflicts of Interest

At Fintrade Financial we prioritise your interests above our own. To manage potential conflicts of interest, we follow a strict process and provide advice that is tailored to your needs and objectives. Our financial advisers undergo regular training to ensure compliance with our policies, and we maintain a register of conflicts of interest and gifts received.

We will declare a conflict of interest to you, if we become aware of one during our engagement with you.

Providing you appropriate financial advice

To make sure that you are getting the right advice we may time to time we engage external assurance providers to review our work, If they find areas where we need to improve or if something that’s not quite right, we work to improve our processes.

Complaints

Our customer-focused complaints system allows us to address issues in a structured manner, ensuring that all matters are resolved efficiently.

A. Receiving a Complaint

When a complaint is received, the subsequent steps are followed:

Acknowledgment: We will acknowledge receipt of the complaint via email or in writing, providing details of the next steps in the process. This includes outlining the role of the Financial Dispute Resolution (FDR) service, if applicable.
Documentation: Key details such as the date the complaint was lodged, the complainant’s information, and the nature of the complaint will be recorded in our Complaints System (CS).
Reference Number: Each complaint will be assigned a unique reference number for tracking purposes.
Confidentiality: All information entered into the CS will remain confidential and will only be shared with the complainant’s consent.

B. Investigating a Complaint

Thorough Investigation: Once a complaint is logged, we will conduct a full investigation and provide a timely response.
Prompt Resolution: Our goal is to resolve complaints as quickly as possible, while ensuring all necessary steps are taken to address the issue.
Communication: We will keep the complainant informed throughout the investigation, providing realistic timelines for each step of the process.

C. Resolving a Complaint

Within 20 working days of receiving the complaint, Fintrade Tech Solutions will provide a Decision Notice that contains:

Summary: A brief overview of the complaint and the results of our investigation.
Acknowledgment: Admission of any fault or error on the part of the Financial Service Provider (FSP), if applicable.
Settlement Offer: If applicable, details of any offer to resolve the issue, including timeframes for acceptance.

For unresolved complaints, you may contact FDRS: FDRS will provide you a free, independent dispute resolution service. Their service may help investigate or resolve the complaint if it is not resolved to the complainant’s satisfaction using our internal complaints process.

Website: https://fdrs.org.nz
Email: enquiries@fdrs.org.nz
Call Free (NZ): 0508 337 337
International: +64 4 910 9952

All complaints, decisions, and resolutions will be recorded and stored in our Complaints Register, ensuring proper documentation and transparency.

This structured process ensures that we handle all complaints effectively and with the highest standard of professionalism, in line with our commitment to customer satisfaction.

Our Duties

Under the Financial Markets Conduct Act 2013, Fintrade is obligated to:

give priority to your interests by taking all reasonable steps to make sure their advice isn’t materially influenced by their interests, or ours
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).
Ensure that our advice is not misleading or deceptive

This is a summary of these duties. More information is available by contacting us or by visiting the Financial Markets Authority website.

Privacy Policy

We are committed to protecting your privacy. Any personal information we collect from you will be handled in accordance with our Privacy Policy, which you can request or view on our website

We may share your information with product providers to process your application or investment.