Licence Status and Conditions

Keyway Finance, FSP1009976, holds a financial advice provider licence issued by the Financial Markets Authority.

Nature and Scope of Advice

Keyway Finance provides advice to our clients about their financial, lending, life, and risk insurance needs.

We advise on life, trauma, key person, and private health insurance, as well as other risk products. We also provide advocacy and support at claim time.

We access a wide panel of approved lenders, including banks and other finance institutions, for mortgage and commercial lending products such as residential lending, property investment, construction loans, commercial loans, and asset finance. When providing our advice, we prioritize clients’ needs and interests to find appropriate loan structures.

Fees, Expenses, or Other Amounts Payable

Keyway Finance may charge you a fee for providing financial advice, placing loans and finance, and for arranging, altering, or cancelling your risk insurance. If a fee will be charged, you will be advised at the time the financial advice is provided.

In some circumstances, we may recommend another service provider to assist us in providing appropriate financial advice. These providers can include accountants, solicitors, property valuers, and property surveyors. These providers will charge a fee for the work they do. We will advise you of any related fees and charges prior to having them commence any work on your behalf.

Conflicts of Interest and Commissions or Other Incentives

Keyway Finance has established relationships with local and international lending institutions and insurance providers. The benefits of these relationships are evident in the outstanding choice, competitive pricing, loan structures, coverage options, and policy support services we offer our clients.

Keyway Finance is paid a commission from the insurance product provider and from the bank or lender when arranging insurance or finance on your behalf. The amount of commission received varies as it is calculated as a percentage of the total loan amount or insurance premium charged.

Keyway Finance and its financial advisers may also receive indirect benefits such as business lunches, tickets to sporting and/or cultural events, corporate promotional merchandise, and other unquantifiable minor benefits.

We recognize that the above commissions and incentives may create conflicts of interest for Keyway Finance and your financial adviser. To manage these conflicts, our financial advisers follow an advice process that ensures our recommendations are made based on your financial and risk management goals and circumstances. All our financial advisers undergo training on how to manage conflicts of interest. We undertake compliance audits of our financial advisers and annually audit our conflicts of interest compliance framework.

We may, however, choose to rebate all or some commissions and charge you a fee based on the nature of the service we provide.

To view our Privacy Statement, click here.

Complaints & Disputes Process

If you are not fully satisfied with the services provided by Keyway Finance, please contact your financial adviser or Keyway Finance directly. Keyway Finance’s complaints officer will formally acknowledge your complaint in writing and will endeavor to resolve your complaint fairly and in a timely manner. Please review our Complaints Disclosure document for more details on Keyway Finance’s complaints handling process. This can be found on our website at

www.keywayfinance.co.nz

or you can request a copy by emailing

hello@keyway.nz

Duties

We believe in delivering the most appropriate advice possible. We are bound by duties under the Financial Markets Conduct Act 2013 (the Act).

We are required to:

• Meet certain standards of competence, knowledge, and skill, as set by the Code of Professional Conduct for Financial Advice Services (Code of Conduct). These standards ensure we have the relevant expertise to provide you with advice.

• Take reasonable steps to ensure that you understand the nature and scope of the advice we give you and inform you of any limitations on the advice we provide. This helps ensure that the advice meets your goals and objectives.

• Give priority to your interests by taking all reasonable steps to ensure our advice isn’t materially influenced by our own interests.

• Exercise a prudent level of care, diligence, and skill.

• Meet certain standards of ethical behavior, conduct, and client care as required by the Code of Conduct. These standards are designed to ensure that we treat you appropriately and provide suitable advice.

• Not offer or recommend a finance or insurance product that contravenes the Act or related regulations. This ensures that the products we recommend are compliant with relevant laws.

• Make certain disclosure information available to you at specific times, for example, when advice is provided. We must not provide false, misleading, or incomplete information.

You can access the Code of Professional Conduct for Financial Advice Services here.