{"id":4777,"date":"2025-03-31T21:52:21","date_gmt":"2025-03-31T08:52:21","guid":{"rendered":"https:\/\/msfs.co.nz\/?page_id=4777"},"modified":"2025-04-01T13:29:56","modified_gmt":"2025-04-01T00:29:56","slug":"disclosure","status":"publish","type":"page","link":"https:\/\/msfs.co.nz\/en\/disclosure\/","title":{"rendered":"Disclosure"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"4777\" class=\"elementor elementor-4777\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c06984c e-flex e-con-boxed e-con e-parent\" data-id=\"c06984c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-116706d elementor-widget elementor-widget-heading\" data-id=\"116706d\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Licensing information\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0782657 elementor-widget elementor-widget-text-editor\" data-id=\"0782657\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>MS Financial Service Limited (FSP531246), trading as Insurance Success, is a Financial Advice Provider (FAP) licensed and regulated by the Financial Markets Authority to provide financial advice.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca9016f elementor-widget elementor-widget-heading\" data-id=\"ca9016f\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Licensing information\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa8d145 elementor-widget elementor-widget-text-editor\" data-id=\"aa8d145\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We only provide financial advice about the following types of insurance products provided by the following product providers:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9ca2f2e e-grid elementor-hidden-mobile e-con-boxed e-con e-parent\" data-id=\"9ca2f2e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-beeea33 elementor-widget elementor-widget-text-editor\" data-id=\"beeea33\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Health Insurance<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61a142d elementor-widget elementor-widget-text-editor\" data-id=\"61a142d\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Risk Insurance<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16e92e2 elementor-widget elementor-widget-text-editor\" data-id=\"16e92e2\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Fire &amp; General <\/strong><strong>Insurance<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b98d59 elementor-widget elementor-widget-text-editor\" data-id=\"9b98d59\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Travel \/ <\/strong><strong>International <\/strong><strong>Student <\/strong><strong>\/ Pet Insurance<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e05011 elementor-widget elementor-widget-text-editor\" data-id=\"6e05011\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>AIA New Zealand Limited<\/li><li>NIB New Zealand Limited<\/li><li>Partners Life<\/li><li>Southern Cross <br \/>Medical <br \/>Care Society<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6095cb elementor-widget elementor-widget-text-editor\" data-id=\"b6095cb\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>AIA New Zealand Limited<\/li><li>Partners Life<\/li><li>Southern Cross<br \/>Medical Care<br \/>Society<\/li><li>Chubb Life<br \/>Insurance New<br \/>Zealand Limited<\/li><li>Fidelity Life<br \/>Assurance Company Limited<\/li><li>Asteron Life Limited<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d690fc5 elementor-widget elementor-widget-text-editor\" data-id=\"d690fc5\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>AON PLC<\/li><li>BLANKET LIMITED<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9650377 elementor-widget elementor-widget-text-editor\" data-id=\"9650377\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Southern Cross<br \/>Benefits Limited<\/li><li>Orbit<\/li><li>Petcover<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ffffcc4 e-grid tt-hide-tablet elementor-hidden-desktop elementor-hidden-tablet e-con-boxed e-con e-parent\" data-id=\"ffffcc4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-203a19f elementor-widget elementor-widget-text-editor\" data-id=\"203a19f\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Health Insurance<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3564b2 elementor-widget elementor-widget-text-editor\" data-id=\"a3564b2\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>AIA New Zealand Limited<\/li><li>NIB New Zealand Limited<\/li><li>Partners Life<\/li><li>Southern Cross <br \/>Medical <br \/>Care Society<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cd8f74 elementor-widget elementor-widget-text-editor\" data-id=\"7cd8f74\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Risk Insurance<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a6db52 elementor-widget elementor-widget-text-editor\" data-id=\"3a6db52\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>AIA New Zealand Limited<\/li><li>Partners Life<\/li><li>Southern Cross<br \/>Medical Care<br \/>Society<\/li><li>Chubb Life<br \/>Insurance New<br \/>Zealand Limited<\/li><li>Fidelity Life<br \/>Assurance Company Limited<\/li><li>Asteron Life Limited<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fc9e2c elementor-widget elementor-widget-text-editor\" data-id=\"3fc9e2c\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Fire &amp; General <\/strong><strong>Insurance<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44b23bb elementor-widget elementor-widget-text-editor\" data-id=\"44b23bb\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>AON PLC<\/li><li>BLANKET LIMITED<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a6a269 elementor-widget elementor-widget-text-editor\" data-id=\"0a6a269\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Travel \/ <\/strong><strong>International <\/strong><strong>Student <\/strong><strong>\/ Pet Insurance<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da750b4 elementor-widget elementor-widget-text-editor\" data-id=\"da750b4\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Southern Cross<br \/>Benefits Limited<\/li><li>Orbit<\/li><li>Petcover<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a5b543 e-flex e-con-boxed e-con e-parent\" data-id=\"6a5b543\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a4434f elementor-widget elementor-widget-heading\" data-id=\"2a4434f\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fees or expenses<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c31181 elementor-widget elementor-widget-text-editor\" data-id=\"2c31181\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We do not charge clients fees, expenses or any other amount for the financial advice we provide. You will not be invoiced or asked to pay any fees to us at any time, even if the engagement of services or the products placed through this engagement is terminated by either party.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a00c3fb e-flex e-con-boxed e-con e-parent\" data-id=\"a00c3fb\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-02e1323 elementor-widget elementor-widget-heading\" data-id=\"02e1323\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conflicts of interest and commissions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a83dfb elementor-widget elementor-widget-text-editor\" data-id=\"7a83dfb\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Our financial advisers are independent contractors and are paid in the form of commissions from the product providers or insurers through which we place business. Typically, we receive an upfront initial commission [of between 20%-35% of the premium and an annual ongoing commission of between insert range for every year the premium is in force. We will provide more specific details of these commissions once we have talked to you and understand your needs at the time our advice is given.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbeaad1 elementor-widget elementor-widget-text-editor\" data-id=\"dbeaad1\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To ensure our advisers prioritise our clients\u2019 interests:<\/p><ul><li>We follow an advice process that ensures our recommendations are made appropriately based on the client\u2019s goals and circumstances.<\/li><li>All our advisers undergo annual training in how to manage conflicts of interest.<\/li><li>We maintain registers of conflicts of interest and the gifts and incentives we receive. These registers are monitored regularly, and additional training is provided as required.<\/li><li>We undertake an annual independent Compliance Assurance Review by Strategi.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e223719 e-flex e-con-boxed e-con e-parent\" data-id=\"e223719\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33df424 elementor-widget elementor-widget-heading\" data-id=\"33df424\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Complaints handling and dispute resolution<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb84087 elementor-widget elementor-widget-text-editor\" data-id=\"eb84087\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you are not satisfied with our service or financial advice, please tell us as soon as possible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fef357 tt-link elementor-widget elementor-widget-text-editor\" data-id=\"7fef357\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Call<\/strong>: <a href=\"tel:021671984\">021 671 984<\/a><br \/><strong>Email<\/strong>: <a href=\"mailto:service@msfs.co.nz\">service@msfs.co.nz<\/a>\/ <a href=\"mailto:admin@msfs.co.nz\">admin@msfs.co.nz<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-955b089 elementor-widget elementor-widget-text-editor\" data-id=\"955b089\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When we receive a complaint:<\/p><ul><li>We will consider your complaint and let you know how we intend to resolve it. Where possible, we will try to resolve your complaint immediately.<\/li><li>If we are unable to resolve your complaint immediately, we will acknowledge it within 2 business days. We may contact you to obtain further information about your complaint.<\/li><li>We aim to resolve complaints within 10 working days of receiving them. If we need more time to investigate your complaint, we will let you know when you can expect to receive a response to your complaint.<\/li><li>We will contact you by phone, email or letter to let you know whether we can resolve your complaint and how we propose to do so.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf6fec5 elementor-widget elementor-widget-text-editor\" data-id=\"cf6fec5\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If we cannot agree on how to fix the issue, or if you decide not to use our internal complaints process, you can contact our external dispute resolution scheme, the Insurance &amp; Financial Services Ombudsman Scheme. Insurance &amp; Financial Services Ombudsman Scheme provides a free and independent dispute resolution service that may help to resolve your complaint if we haven\u2019t been able to do so to your satisfaction.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce1f7ef elementor-widget elementor-widget-text-editor\" data-id=\"ce1f7ef\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To contact the Insurance &amp; Financial Services Ombudsman Scheme:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-421d286 tt-link elementor-widget elementor-widget-text-editor\" data-id=\"421d286\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Call<\/strong>: <a href=\"tel:0800 888 202\">0800 888 202<\/a><br \/><strong>Email<\/strong>: <a href=\"mailto:info@ifso.nz\">info@ifso.nz<\/a><br \/><strong>Write to: <\/strong>Insurance &amp; Financial Services Ombudsman Scheme<br \/>PO Box 10-845 Wellington 6143 NEW ZEALAND<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-376cea0 e-flex e-con-boxed e-con e-parent\" data-id=\"376cea0\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33dc709 elementor-widget elementor-widget-heading\" data-id=\"33dc709\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Duties information\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-152e342 elementor-widget elementor-widget-text-editor\" data-id=\"152e342\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>MS Financial Service Limited and our advisers have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cff6d7 elementor-widget elementor-widget-text-editor\" data-id=\"7cff6d7\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We are required to:<\/p><ul><li>give priority to your interests;<\/li><li>exercise care, diligence, and skill;<\/li><li>meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services.<\/li><li>meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f093734 e-flex e-con-boxed e-con e-parent\" data-id=\"f093734\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae17e06 elementor-widget elementor-widget-heading\" data-id=\"ae17e06\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contact details<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cda4152 elementor-widget elementor-widget-text-editor\" data-id=\"cda4152\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>MS Financial Service Limited FSP531246, trading as Insurance Success, is the Financial Advice Provider.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fb9873 tt-link elementor-widget elementor-widget-text-editor\" data-id=\"6fb9873\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Call<\/strong>: <a href=\"tel:021 671 984\">021 671 984<\/a><br \/><strong>Email<\/strong>: <a href=\"mailto:service@msfs.co.nz\">service@msfs.co.nz<\/a>\/ <a href=\"mailto:admin@msfs.co.nz\">admin@msfs.co.nz<\/a><br \/><strong>Address:<\/strong> level1\uff0cUnit C\uff0c Building3\uff0c331 Rosedale Road\uff0cAlbany\uff0cAuckland<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1dc4e8 elementor-widget elementor-widget-text-editor\" data-id=\"e1dc4e8\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>A written copy of this information is available upon request.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Licensing information MS Financial Service Limited (FSP [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template\/full-width-template.php","meta":{"footnotes":""},"class_list":["post-4777","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/msfs.co.nz\/en\/wp-json\/wp\/v2\/pages\/4777","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/msfs.co.nz\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/msfs.co.nz\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/msfs.co.nz\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/msfs.co.nz\/en\/wp-json\/wp\/v2\/comments?post=4777"}],"version-history":[{"count":19,"href":"https:\/\/msfs.co.nz\/en\/wp-json\/wp\/v2\/pages\/4777\/revisions"}],"predecessor-version":[{"id":4812,"href":"https:\/\/msfs.co.nz\/en\/wp-json\/wp\/v2\/pages\/4777\/revisions\/4812"}],"wp:attachment":[{"href":"https:\/\/msfs.co.nz\/en\/wp-json\/wp\/v2\/media?parent=4777"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}