Link Financial Group Ltd trading as Mortgage Link and Insurance Link FSP 696731 holds a licence issued by the Financial Markets Authority to provide financial advice. Hart Financial Services Limited (FSP770751) is authorised by that licence to provide financial advice.
Link Financial Group Ltd trading as Mortgage Link and Insurance Link is the Financial Advice Provider.
You can contact us at:
Phone: 0800 466 784
Address: 1/1 Antares Place, Rosedale, Auckland
Hart Financial Services Limited advisers provide advice about:
We provide advice in relation to the following insurance products:
We provide advice in relation to products provided by the following companies:
Insurance Service Fee
No fees are payable by you for insurance advice. However, Hart Financial Services Limited may charge a fee for financial advice provided to a client if the client cancels a life or health insurance policy within two years of inception. Specific fee information will be advised when the advice is provided. This fee will be payable by the client by the 20th of the month after the policy is cancelled.
For life, health and fire and general insurance, Hart Financial Services Limited and the financial adviser receive commissions from the insurance companies whose policies we can recommend. If you decide to take out insurance that we recommend, the insurer will pay a commission to Hart Financial Services Limited and/or the adviser who provides your advice. The amount of the commission is based on the amount of premium associated with your cover; specific commissions will be advised to you when advice is provided.
From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives.
To ensure that our financial advisers prioritise the client’s interests above their own, we follow an advice process that ensures our personalised recommendations are made on the basis of the client’s goals and circumstances, as advised to us. Hart Financial Services Limited financial advisers complete regular training, including how to manage conflicts of interest. Each adviser has a regular compliance review of their advice process and our compliance programme is reviewed annually by our external compliance adviser.
If you are not satisfied with our financial advice service you can make a complaint by emailing email@example.com, or by calling 021 638 545. You can also write to us at: 260 Victoria Avenue, Wanganui 4541. When we receive a complaint, we will consider it using our internal complaints process:
If we cannot resolve your complaint, or you are not satisfied with the way we propose to do so, you can contact Insurance & Financial Services Ombudsman Scheme Inc.(IFSO). IFSO provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we have not been able to resolve your complaint to your satisfaction. You can contact IFSO by phone 0800 888 202 or email firstname.lastname@example.org.
Hart Financial Services Limited, and anyone who gives financial advice on our behalf, has duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. We are required to:
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.