Here is some general information about our business to help you decide if you want to seek our advice.

General Information

Company Name: Infinity Finance Limited
FSP Number: 1011226
Phone Number: 027 444 4102
Email: savanna@infinityfinance.co.nz

Licensing Information

We operate as a Financial Advice Provider under a current licence issued by the Financial Markets Authority in the name of NZ Financial Services Group Limited (FSP286965). There are no conditions attached to this licence on the advice that may be given.

Our Advice and Product Providers

We provide advice to our clients about home loan products.

We source loans from a panel of lenders. The current lenders we can use are:

Commission

On settlement of a loan, we usually receive commission from the applicable product provider. The commission is generally of an upfront nature but may also include a renewal or trail commission. We also receive a fixed rate roll over fee from some product providers if we assist in refinancing your loan.

This commission is used to remunerate the financial adviser that provides the advice, and to pay the expenses associated with running our business including any rent, staff costs and IT resources. From this commission we also pay NZ Financial Services Group Limited for services they provide to us in connection with our authorisation under their licence from the Financial Markets Authority.

We take steps to ensure that the receipt of commissions does not influence the advice we give to you and that our advisers prioritise your interests by recommending the best product for your purpose regardless of the type and amount of commission we or they may receive. We do this by:

• Ensuring our advisers follow an advice process that ensures they understand your needs and goals and that their recommendations on insurance cover meets those needs and goals.
• Ensuring our advisers receive regular training on how to manage conflicts of interest.
• Providing you with a schedule showing commission amounts and types by product provider. This schedule is contained within each Financial Adviser's personalised Disclosure Guide. A Financial Adviser will provide you with more information about commissions during the advice process.

Fees and Expenses

Generally we don't charge you any fee for the advice and transactional solutions that we provide to you. This is possible because, on settlement of a mortgage, we usually receive commission from the applicable product provider as described above. There are two exceptions to this general position which are explained below.

We may charge you a one-off fee in the following situations:

(a) No commission: If you request that we provide services in relation to a product or service and we do not receive a commission. Any such fee would be agreed and authorised by you in writing before we complete the services, and would be based on an estimate of the time spent providing the advice. This may arise in the rare event that you request that we provide Services in relation to either a product that is offered by a provider that we do not hold an accreditation with, or a product that is outside our usual arrangements with our product providers.

(b) Repayment of commission: If a product or service provider requires that we repay commission within 28 months of settlement of your mortgage or issuance of your risk insurance policy. Any such fee would be no more than $3,000 (plus GST) and would be calculated based on a rate of $250 (plus GST) per hour of the financial adviser's time spent providing services to you in connection with the applicable mortgage or insurance. The fee charged will not exceed the amount of commission clawed back from the lender.

Should we need to charge you a fee, you will be invoiced and will be given 30 days to make payment.

Conflicts of Interest

If there are any conflicts of interest apart from commission that could potentially influence the advice that we give, these will be shown in your Financial Adviser's Disclosure Guide.

Complaints

If you have a complaint about our service you need to tell us about it. You can contact our internal complaints service by phoning us on 027 444 4102 or emailing us at savanna@infinityfinance.co.nz with the heading Complaint - (Your Name).

Please set out the nature of your complaint, and the resolution you are seeking. We will acknowledge receipt of this within 24 hours. We will then record your complaint in our Complaints Register and notify our Licence Holder. We may want to meet with you to better understand your issues. We will then investigate your complaint and provide a response to you within 7 working days of receiving your complaint. If we need more time to investigate your complaint, we'll let you know.

If we cannot agree on a resolution you can refer your complaint to our external dispute resolution service. This service is independent and will cost you nothing and will assist us to resolve things with you.

Financial Services Complaints Limited
Phone: 0800 347 257
Email: complaints@fscl.org.nz

Our Duties

Anyone within our business giving advice is bound by and supports the duties set out in the Financial Markets Conduct Act 2013. These duties are:

• Meet the standards of competence, knowledge, and skill and the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Providers.
• Give priority to your interests.
• Exercise care, diligence, and skill.

1. Our Commitment to Protect Your Privacy

We understand how important it is to protect your personal information. This document sets out our privacy commitment in respect of personal information we hold about you and what we do with that information.

It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.

Our commitment in respect of personal information is to abide by the Privacy Principles set out in the Privacy Act 2020 (or any successor legislation) and all other applicable laws. This Privacy Policy applies in addition to, and does not limit, our rights and obligations under the Privacy Act and other applicable laws.

2. Who Are We

References in this Privacy Policy to "we", "us" and "our" means Infinity Finance, acting through a Financial Adviser.

3. Your Authorisation

By providing us with personal information, engaging us to provide you with services, or by using our website, you consent to the collection, use, storage and disclosure of personal information in accordance with this Privacy Policy.

4. Changes to Our Privacy Policy

We may change our Privacy Policy from time to time, by publishing an updated version on this page, to reflect changes in the law and also our business needs so long as the changes do not disadvantage you. By continuing to engage us or use our website you will be deemed to have accepted the updated Privacy Policy.

5. What Personal Information Do We Collect?

When we refer to personal information we mean information that identifies, or is capable of identifying, you. This includes, for example, your name, date of birth, address, contact details, account details and occupation.

If you engage us to provide services to you, we may collect personal information about your financial situation or goals in order to recommend mortgage and insurance products that we are permitted to advise on.

6. Why Do We Collect Your Personal Information?

We collect your personal information for the purposes of our and relevant third parties' services and relationship with you. For example:

• Responding to your requests or inquiries
• Providing services to you (e.g. to enable us to recommend products to you)
• Sending communications and direct marketing to you about products and services we think may be of interest to you
• Market research
• Any other purpose authorised by you or the Privacy Act

If you do not wish to receive marketing information, you may opt out at any time by notifying us.

We may also collect personal information (including credit information and health information) on behalf of the lenders, insurers and other providers of products that you choose to apply for. Product Providers will have their own Privacy Policy that applies to the information that we collect on their behalf.

7. How Do We Collect Your Personal Information?

Generally we will collect your personal information directly from you — for example, through your use of our website or during conversations between you and us.

We may also collect your personal information from:

• NZ Financial Services Group Limited (NZFSG) and its related bodies corporate
• Credit reporting agencies
• With your authorisation, banks and employers
• Product Providers (e.g. during the term of any loan we have arranged on your behalf)
• Any other person authorised by you or the Privacy Act

8. Updating Your Personal Information

We will generally rely on you to ensure the information we hold about you is accurate. If any of your details change, please let us know as soon as possible by contacting us.

9. Who Do We Disclose Your Personal Information To?

We may disclose your personal information to the following people if we consider it necessary:

• NZFSG and its related bodies corporate
• Product Providers and other prospective lenders, third parties or other intermediaries in relation to your finance requirements
• Our referral partners who can help you with other services
• Contractors or service providers
• Investors, or any entity that has an interest in our business
• Anyone we are legally required or authorised to share your information with, including regulators and government agencies
• Auditors (such as NZFSG) to ensure we are providing services in your best interests
• Any other person or entity authorised by you or the Privacy Act

Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that the person or organisation has a commitment to protecting your personal information at least equal to our commitment.

10. Do We Disclose Your Personal Information Outside New Zealand?

We may use cloud storage to store the personal information we hold about you. The cloud storage and IT servers may be located outside New Zealand. We may also disclose personal information to NZFSG and its related bodies corporate, and third party suppliers and service providers located overseas.

11. Our Website

Cookies and IP addresses: When you access our website, we may send a "cookie" to your computer. This enables us to recognise your computer each time you visit our website. We use cookies to measure traffic patterns and improve our website and service offering. If you do not wish to receive cookies, you can set your browser to not accept them.

Security: As our website is linked to the internet, we cannot provide any assurance regarding the security of transmission of information you communicate to us online. Any personal information which you transmit to us online is transmitted at your own risk.

Links and third party advertisements: Our website may contain links to other websites operated by third parties. We are not responsible for other privacy policies or the content of any third party website or advertisements.

12. Are You Required to Provide Personal Information?

You are not required to provide any personal information to us but if you choose not to it might affect our ability to provide services to you and your ability to obtain finance and other products.

You may choose to interact with our website anonymously, but we will not be able to contact you unless you provide your personal information.

13. Access and Correction of Your Personal Information

You may access and request correction of any of the personal information that we hold about you at any time by contacting us. We may charge a fee for our reasonable costs of retrieving and supplying the information to you.

14. Further Information

If you have any questions on our Privacy Policy or your personal information please contact us.