Information
Financial Advice – Prescribed Statement Disclosure
You are protected by responsible lending laws. Because of these protections, the recommendations given to you by us about personal loans, and any credit related insurance products are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed. You should see a budget adviser or licensed financial adviser if you want more help.
Anti-Money Laundering and Countering Financing of Terrorism Act
New Zealand's long awaited anti-money laundering laws are now in place, almost four years after Parliament passed the Anti-Money Laundering and Countering Financing of Terrorism Act.
Passed by Parliament in October 2009, the Act's aims are to detect and deter money laundering and the financing of terrorism, maintain and enhance New Zealand's international reputation by adopting, where appropriate in the New Zealand context, recommendations issued by the Financial Action Task Force, an inter-governmental body established by the Group of Seven (G7), and to contribute to public confidence in the financial system. The Act took effect from Sunday, - June 30.
For FAQs on the way AML/CFT may affect FHLs customers please click here.
FHL is now required by law to report any suspicious transactions direct to the Department of Internal Affairs (DIA) effective 30 June 2013.
Financial Advisers Act and registration
Financial Holdings Ltd is a registered financial services provider. Its registration number is:-
FSP number: FSP26106
Dispute resolution scheme
Financial Holdings Ltd is a member of the Insurance & Financial Services Ombudsman Scheme (IFSO Scheme). The IFSO Scheme resolves complaints about financial services. This service is independent and free for our customers. If we are unable to resolve your complaint, contact the IFSO Scheme.
PO Box 10-845
Wellington 6143
info@ifso.nz
www.ifso.nz
0800 888 202
Financial Services
Financial Holdings Ltd is registered to provide the following financial services:Providing credit under a credit contract service.
Who to contact with a problem
Financial Holdings endeavours to look after its customers; however from time to time, problems can occur.In the first instance, talk to the staff member in the branch or ask to speak with their manager. The majority of problems can usually be sorted out in this manner.
What if the problem is more serious or you are not satisfied with the manager's response?
If you are not satisfied or you think the problem is a serious one, please write to:
The Compliance Manager
Financial Holdings Ltd
PO Box 11 512
Ellerslie
Auckland 1542
Our internal complaints policy notes that we will acknowledge your complaint within 3 days and respond, in writing, to you within 14 days. Sometimes problems need more investigation and will take longer; in such instances we will keep you informed of our progress.
What happens if you are still not satisfied?
We are a Participant of the Insurance & Financial Services Ombudsman Scheme (IFSO Scheme).
The IFSO Scheme resolves complaints about insurance and financial services. It is a free service for our customers.
If we are unable to resolve your problem, contact the IFSO Scheme.
See www.ifso.nzEmail: info@ifso.nz
Phone: 0800 888 202.
Comprehensive Website disclaimer
Financial Holdings Limited herein referred to as “FHL”
The information provided and services described in this website are of a general nature and are not intended to be personalised financial advice to a retail client. The information provided in this website is not intended to be a substitute for professional advice. You may seek appropriate personalised financial advice from a qualified professional to suit your individual circumstances.
While every effort is made to ensure the information on this website is up-to-date and correct, Financial Holdings Limited makes no representations or warranties of any kind, express or implied, about the accuracy, reliability, completeness, suitability or availability of the website or the information about the products and services provided on the website. The information on this website is subject to change at any time. Financial Holdings Limited is under no obligation to update any information on this website or correct any errors in the information after it is published on the website. Any reference on this website to historical information and performance of a product or service may not necessarily be a good guide to future performance. You are solely responsible for any actions you take or do not take by relying on such information. To the full extent legally allowable the directors, contractors, associates and staff of Financial Holdings Limited expressly disclaim all and any liability and responsibility to any person in respect of anything, and of the consequences of anything, done or omitted to be done by any such person in reliance, whether wholly or partially, upon the whole or any part of the contents of this website. The disclaimers and limitations of liability do not prejudice your rights under the Consumer Guarantees Act 1993, nor are they intended to exclude liability arising under statute.
The information published on this website is governed by, and has been prepared to comply with, the New Zealand law. The information is only intended for persons within the New Zealand jurisdiction and is not intended for persons outside the New Zealand jurisdiction. Financial Holdings Limited does not accept responsibility for the compliance of this information with the laws of any other country. The laws of New Zealand shall govern your use of the website and by visiting this website you hereby agree to submit to the exclusive jurisdiction of the New Zealand courts.
Although Financial Holdings Limited regularly updates its virus protection software, it does not warrant that the server that makes the information and contents of this website available is free of viruses or bugs. You acknowledge that it is your responsibility to implement sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the correct display and/or presentation of any material contained on this website.
Through this website you may be able to link to other websites which are not under the control of Financial Holdings Limited. Financial Holdings Limited has no knowledge of or control over the nature, content, and availability of those websites. Financial Holdings Limited does not sponsor, recommend, or endorse anything contained on these linked websites. Financial Holdings Limited does not accept any liability of any description for any loss suffered by you by relying on anything contained or not contained on these linked websites.
Every effort is made to keep the website up and running smoothly. However, Financial Holdings Limited takes no responsibility for, and will not be liable for, any loss you may suffer due to the website being temporarily unavailable either during its planned maintenance or due to technical or other issues beyond our control.
All materials on this website are protected by copyright and intellectual property laws and are the property of Financial Holdings Limited unless otherwise explicitly stated. The website may also contain a number of trademarks, logos and symbols which are either owned by Financial Holdings Limited or used with the approval of the owner. Nothing on the website should be construed as granting any licence to use any trade mark without the permission of the trade mark owner. Any material on this website that is identified as being subject to copyright of a third party, authorisation to use or reproduce such material must be obtained from that third party. Unless stated otherwise, you may access and download the materials located on this website only for personal, non-commercial use.
A disclosure statement relating to the advisers associated with this website are available on request and free of charge.
Comprehensive Website disclaimerThis website provides you with general information that is true and accurate to the best of Financial Holdings Limited’s knowledge.
We advise you that:
General information only: The information on this website is general in nature and is not intended to be personalised financial advice. You should consult a professional financial adviser before making any financial decisions or taking any action based on the information on this website.
No liability: Financial Holdings Limited does not accept any liability for any loss or damage arising from the use of this website. This does not prejudice your statutory rights.
Accuracy of information:While Financial Holdings Limited has taken all reasonable care to ensure the information on this website is accurate, errors and omissions may occur. We do not accept any responsibility for any inaccuracy, error or omission in the website’s content, or for any loss caused to anyone from relying on that information. We may change, delete, add to or otherwise amend the information published on this website without notice.
Historical information:Any reference on this website to historical information and performance of a product or service may not necessarily be a good guide to future performance. You are solely responsible for any loss caused from relying on such information.
Third Party websites:This website may contain links to other websites which are not under our control. Financial Holdings Limited has no knowledge of or control over the content, and availability of those websites, or of their privacy practices. We do not sponsor, recommend, or endorse the content of other websites linked to, or referenced from, this website.
New Zealand law:The information on this website has been prepared to comply with, and is governed by, New Zealand law. It is only intended for use by persons within New Zealand’s jurisdiction. Financial Holdings Limited does not make any representation that the information on this website complies with the law in any other country.
Cybersecurity: Although we regularly update our cybersecurity and virus protection software, we do not guarantee that our website will be free from viruses or other malicious interference (such as spyware, malware, adware, ransomware and worms) that can damage your computer system and access your data.
Continuous access:We do our best to keep this website running smoothly. However, we do not guarantee that access to the website will be uninterrupted. We accept no liability for any loss caused by the website being temporarily unavailable either during its planned maintenance or due to technical or other issues beyond our control.
Copyright and IP:Unless otherwise indicated, all information on this website is the property of Financial Holdings Limited and is protected by copyright and intellectual property laws. Unless stated otherwise, you may access and download the materials located on this website only for personal, or agreed upon commercial use. The website may contain a number of trademarks which are owned by Financial Holdings Limited or used with the permission of the registered trademark owner. Before using any material on this website that is identified as being subject to copyright of a third party, you must obtain authorisation to use or reproduce the material from that third party.
Disclosure: Click here to go to our disclosure page and learn more about us, our licence, the type of advice we offer, fees, commissions and other conflicts of interest.
Privacy:Click here to read our Privacy Statement. This brief statement will help you to understand what personal information we collect, how we use it, and who we share it with. If you want to see more information about our privacy policy, click here to read our detailed Privacy Policy.
Privacy Statement
Financial Holdings Limited and its associate MotorFinance is committed to protecting your privacy. This privacy statement outlines how we collect, store, use and share your personal information. For more information, read our full privacy policy
By submitting your details on this website, you consent to the use of your personal information in accordance with this privacy statement.
What information do we collect?
We may collect personal information about you, either directly from you or from other parties, NZTA/Waka Kotahi, government departments, government bodies or agencies, and we may generate information about you when we carry out our business.
The types of personal information we collect about you may include your:
- Contact information: your name, phone number, email address, postal address, physical address
- Documents that verify your identity and other personal details: such as your passport or drivers’ licence number
- Subscriptions/preferences: when you subscribe to receive our newsletter or updates, as well as content preferences to help us identify which material you want to receive
- Billing or purchase information
- Technical information: information about the device used to access the website or other social media sites, such as IP address, browser type, time zone settings and mobile network information.
What do we do with it?
We collect and use your personal information to provide the information and services that you request from us, and to provide you with information about other services we consider appropriate.
When necessary, we may use your information to:
- Comply with our legal and regulatory obligations (including Anti Money Laundering/Counter Financing of Terrorism compliance and audit and reporting requirements).
- Defend or enforce our rights - For example, to collect money owed to us.
Who do we share it with?
Besides our staff and our related companies, including Financial Holdings Limited and associate MotorFinance and related companies, such as Jade Recoveries, and Jade Financial Pty Limited. In addition Financial Advice Provider licence holder Financial Holdings Limited and associate MotorFinance [FAP name] we may share this information with third parties who enable us to provide you with our services. These include:
- Your other professional advisers
- Product providers
- Our service outsource providers such as IT consultants, custodians, etc.
We will only share your personal information with third parties where it is necessary to help us do what we collected your information for, where it is required by law or where you give us authority to.
We require these third parties to adhere to our strict confidentiality requirements for handling personal information and we seek to ensure that they comply with the Privacy Act 2020.
Where do we store it?
We use third party cloud service providers to store and process the information we collect. We use Microsoft Azure and MongoDB atlas cloud servers located in Australia East. We ensure that our cloud-based service providers are subject to appropriate security and information handling arrangements and that the information stored or processed by them remains subject to confidentiality obligations.
What are my rights?
You do not have to provide information to us. If you choose not to provide necessary personal information when requested, we maybe be unable to provide certain information or services to you.
You have the right to ask for a copy of any personal information we hold about you, and to ask for it to be corrected if you think it is wrong. If you have any questions about this privacy statement or you’d like to ask for a copy of the information we hold on you, or to have it corrected, please contact us 0800 929 929, or email us at inquiry@fhl.org.nz. Or write to us at PO Box 11512, Ellerslie, Auckland 1542
There are two ways that you can restrict access to your personal information on the Motor Vehicle Register in certain circumstances, namely:
1. Opting-out
2. Obtaining Confidential status
Opting out is a very limited form of restricting access to your information, and it does not mean that the New Zealand Transport Agency will never disclose your information to third parties. For more information about who can access your personal information on the Motor Vehicle Register, and ways to restrict access to your personal information, visit NZTA - who-can-access-register-information
Thank you for using Financial Holdings Ltd ("FHL").
By using this site, you are agreeing to the following:
This information is provided as a guide only. Although we believe it to be accurate, only the entity referred to can provide you with full information.
Do not sign any document without taking proper advice from a professional, or financial advisor that you trust.
You may view, copy, and print the contents of this site for your personal information only, but may not do so for any commercial purpose without explicit written consent from Financial Holdings Limited.
The information presented on this website and the various web pages is considered intellectual property by FHL the publisher, and will be protected to the full extent under intellectual property rights law.
The content may not be duplicated, redistributed, or mirrored without the express written consent of FHL, unless explicitly stated otherwise.
Logos and original art are copyrighted. All rights reserved.
If you would like to co-brand here, please contact us.
FHL endeavours to provide accurate and reliable information. All information is either sourced from the public domain or is provided by the entity named, including government agencies. FHL is not responsible for any losses or consequential damage that may result.
We have made all reasonable efforts to keep the information on this site as accurate as possible and ensure that the availability of the site is continuously updated.
Neither the publisher, FHL, or anyone else engaged in providing this site or compiling information for it, accepts any liability for inaccuracies or any loss or damage which may directly or indirectly result from use of the site or any error at or omission of information from it irrespective of the cause.
We may collect and store information about the way this site is used. This may include sending a 'cookie' to your computer which identifies your computer uniquely but does not identify you. We will not collect, store or use any information about you personally except as provided by you and only to the extent necessary to provide information requested by you. If you wish to access or request correction of personal information, please contact us.
We may modify or update or change these conditions from time to time with or without notice to you. Amendments will come into effect as soon as they are posted. You are responsible for reviewing these and will be taken as accepting the then current conditions each time you choose to use the site.
This site and these conditions are governed by and to be interpreted in accordance with the laws of New Zealand. The New Zealand courts will have exclusive jurisdiction.