Financial Advice Provider Disclosure

PUBLIC DISCLOSURE

Welcome!

This document contains important information that you might like to know about us before we begin our journey together.

Licence status and conditions

361 Group Limited, FSP1007186, trading as Blended Finance, holds a licence issued by the Financial Markets Authority to provide financial advice.

Nature and scope of our financial advice

Blended Finance provides advice to our clients about their personal and business loans as well as credit-related insurance. We can provide financial advice about products from the following providers:

We do not provide advice on Home Loans, KiwiSaver or Investments.

Referrals

We do not give advice on personal or general insurance; However, we can refer you to a financial adviser who specialises in those areas if you would like advice on those products.

Our duties

Blended Finance 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:

• 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
• 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).

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 www.fma.govt.nz.

The Code of Conduct standards can be read here: www.fma.govt.nz/assets/assets/code-of- professional-conduct-for-financial-advice-services.pdf.

How we are paid

Personal Loans

For all lending we charge a broker fee. The level of fee charged will depend on the loan size and the complexity of the loan. We will also receive commission of between X%– X% of the total amount payable over the period of the loan term.

Insurance

We receive commissions from the relevant insurance company if you take out credit related insurance associated with your loan. The amount depends on which insurance company and which insurance policy you choose.

How we manage conflicts of interest or other incentives

To ensure that our financial advisers prioritise the client’s interest above their own, we follow an advice process that ensures our recommendations are made based on the client’s goals and circumstances.

All our financial advisers undergo annual training about how to manage conflicts of interest.

We also undertake a periodic compliance review of our compliance programme by a reputable compliance consultancy firm.

Internal complaints process

Ifyouhaveaproblem,concern,orcomplaintaboutanypartofthefinancialadviceyouhavereceivedfromus, youmaycontactususinganyofthefollowingmeans:inwriting,bytelephoneorbyemail.

Here are our contact details.

Our Complaint Handling Process

When we receive a complaint, we will consider it following our internal complaints process:

• We will consider your complaint and let you know how we intend to resolve We may need to contact you to get further information about your complaint.
• We aim to resolve complaints within 10 working days of receiving If we can’t, we will contact you within that time to let you know we need more time to consider your complaint.
• We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do

If we can’t resolve your complaint, or you aren’t satisfied with the way we propose to do so, you can contact the Insurance & Financial Services Ombudsman Limited (IFSO).

Dispute resolution process

If our internal complaints process does not resolve your complaint to your satisfaction, you can contact our external independent dispute resolution scheme. This service is free and may help investigate or resolve the complaint.

We are a member of the IFSO approved dispute resolution scheme. You can contact IFSO at:

Contact Details

361 Group Limited, FSP1007186, is the Licensed Financial Advice Provider.

You can contact us at:

This information is available in writing upon request.