Alright Financial Services

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Disclosure Documents

1. Disclosure Statement

At Alright Financial Services, we believe in transparency and honesty. It’s important that you understand how we operate, the services we provide, and any potential benefits or limitations of our advice.

2. Nature and Scope of Advice

We provide financial advice on:

  • Life Insurance
  • Health & Medical Insurance
  • Trauma & Disability Cover
  • Income Protection Insurance
  • Accidental Insurance Cover
  • Policy Review

We do not provide advice on products such as shares, foreign exchange, or KiwiSaver funds unless stated otherwise.

3. Fees and Expenses

Our advice is generally provided at no direct cost to you. If you decide to take out a policy through us, we may receive a commission from the product provider. The commission will vary depending on the product and provider.

  • In some cases, we may charge a fee if you request additional services. This will always be disclosed to you in advance.

4. Conflicts of Interest

We may receive commissions from insurers when you take out or renew a policy. To ensure our advice is in your best interest:

  • We follow a strict code of professional conduct.
  • We disclose any conflicts of interest to you.
  • We undertake regular training to prioritise your needs over our own.

5. Privacy and Confidentiality

We collect and use your personal information only for the purpose of providing financial advice and services. Your data is stored securely and will not be shared with third parties without your consent, except where required by law.

6. Complaints Handling and Dispute Resolution

If you have a complaint about our service, please contact us:

We will acknowledge your complaint within 2 working days and work to resolve it fairly.

If we cannot resolve your complaint, you may refer it to our external dispute resolution scheme:

7. Duties Information

We are bound by the duties of financial advisers under the Financial Markets Conduct Act 2013, which require us to:

  • Give priority to your interests.
  • Exercise care, diligence, and skill at all times.
  • Provide advice that is suitable to your circumstances.
  • Comply with the Code of Professional Conduct for Financial Advice Services.

At Alright Financial Services, your trust is our highest priority. We are committed to providing transparent, professional, and personalized financial advice that always puts your needs first."