Important Information

License status and conditions

Aligned Finance Limited (FSP 1005544, trading as Aligned Finance).

Nature and scope of the financial advice given

We specialise in providing financial options on a range of products, including consumer finance. Our expertise lies in understanding your needs and negotiating with multiple financiers to secure the best financing options for you.

Vehicle insurances we offer

Choose from a variety of vehicle insurances, including Credit Contract Insurance, Comprehensive Vehicle Insurance, Lifestyle Protection Insurance, Payment Protection Insurance, Mechanical Breakdown Insurance, and Guaranteed Asset Protection Insurance.

Products and Product Providers

We have partnerships with a wide range of product providers. Once we analyse your situation and conduct thorough research, we recommend the most suitable product and provider to meet your needs.

Our duties

We adhere to the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services. Our duties include prioritising your interests, providing diligent advice, and maintaining high standards of competence, knowledge, skill, ethical behavior, conduct, and client care. 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.

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

How we get paid

For Consumer Finance products, we receive commissions from the lenders we work with. The commission amount is determined by an agreed base rate, with the adviser adding a margin above the base rate.

Fees and charges

Aligned Finance charges a broker fee, typically ranging from $0 to $1000, which is included in your loan structure/repayments. The fee covers our specialised assistance in finding the right finance solutions for your needs. The lender may also have fees and charges related to processing your deal and securing the loan.

Managing conflicts of interest and/or incentives

We prioritise your interests through an advice process that considers your goals and circumstances. Our team receives annual training on managing conflicts of interest, and we undergo compliance audits to ensure transparency and ethical conduct.

Internal complaints process

Visit our website complaints page to review our internal complaints process and learn how we handle and resolve any concerns you may have.

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