Why should I read this statement?
This disclosure statement provides important information and should help you decide which financial advice provider to choose. This information is also available in writing, on request.
Senda Company Limited is a Financial Advice Provider (FAP), and holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice. Senda's FSP number is 708711. You can verify this information by checking the Financial Service Providers Register at www.fspr.govt.nz.
 
Financial advice provided by Senda
We engage Financial Advisers to give financial advice to you on our behalf. Senda Company Limited’s financial advisers can only provide financial advice about insurance products and services.
As a FAP, Senda Company Limited and its financial advisers, when providing financial advice to you, are bound to:

• meet the standards of competence, knowledge and skill set out in the Code of Professional Conduct for Financial Advice Services (the Code);
• give priority to your interests;
• exercise due care, diligence and skill; and
• the standards of ethical behaviour, conduct, and client care set out in the Code.

 
Remuneration
Commission payments are our main form of remuneration. In addition, Senda Company Limited’s Financial Advisers may also charge a fee for any advice or services provided. Our remuneration in the form of commission payment is earned for the policy period and may be paid when the policy commences and on each subsequent renewal or when you vary your policy. Insurers pay us between 0% - 33% commission of the insurance premium excluding any applicable government charges, taxes, fees and levies as determined by the insurer. The insurers we generally deal with are Vero, Nib and AIA. We may approach other insurers and we will update on the website if this occurs.

Conflicts of interests
To ensure that our financial advisers prioritise your interests above their own, we require them to commit that our recommendations are made on the basis of your goals and circumstances. All our financial advisers also undergo annual training to maintain their professional competency.
 
What happens if you have a complaint?
Our Internal complaints process:
If at any time you are unhappy with our service or financial advisers, you can contact us using the details below. If this service is unable to resolve your issue, then you may refer your complaint to the Financial Services Complaints Ltd.
You may contact us via:
Telephone: 095292828
Email: info@senda.nz
Mail: Senda Company Ltd, PO Box 99118, Newmarket, Auckland 1149
Our dispute resolution scheme:
To ensure that you have access to a free, independent dispute resolution service, Senda Company Limited is a member of the Financial Services Complaints Ltd (FSCL) dispute resolution scheme. Our member number is 7224. If you’re not happy with the resolution of your compliant under our internal complaints process, this service may help investigate or resolve your complaint.
You can contact FSCL via:
Telephone: 0800 347257
Website: fscl.org.nz
E-Mail: complaints@fscl.org.nz