Disclosure & privacy.

Our financial advice disclosure, our privacy policy, then how these pages handle your information. Both are also on our main website, peaceofmindadvice.co.nz (opens in a new tab). Skip to the website section.

Disclosure.

This document sets out the information that our business is required to make publicly available in accordance with the Financial Markets Conduct Regulations 2014 to help you decide if you want to seek our advice.

Company Name: IFO Peace of Mind Advice Limited
FSP Number: FSP1008577
Phone Number: 021 079 8864
Email: imran@peaceofmindadvice.co.nz

Licensing information

We operate as an Authorised Body under a Financial Advice Provider licence issued by the Financial Markets Authority in the name of IFO Peace of Mind Advice Ltd (IFOPOMA) (FSP1008577).

There are no conditions attached to this licence on the advice that may be given.

Our Duties

IFOPOMA and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013.

These duties are to:

• 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.

Our Products and Product Providers

We provide advice to our clients about Personal & Business Risk Insurance products and KiwiSaver products. We provide advice about products from certain providers.

For insurers we work with: AIA, Chubb Life, Fidelity Life, NIB, Partners Life.

For KiwiSaver providers we work with: Fisher Funds, Generate, and NZ Funds.

The specific product types and product providers each adviser can give advice on will be disclosed at an adviser level in their individual Disclosure Guide. Our advisers will provide their individual Disclosure Guide to you when you engage them, or you can request a copy from them at any time.

Fees and Expenses

Generally we won’t charge you any fees for the advice that we provide to you. This is possible because, if you act on the advice given, we usually receive commission from the applicable product provider on issuance of a risk insurance policy or on investment into a KiwiSaver scheme.

There are some 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 or investment in a KiwiSaver scheme. Any such fee would be no more than $3,000 (plus GST, if any) and would be calculated based on a rate of $250 (plus GST, if any) per hour of the financial adviser’s time spent providing services to you in connection with the applicable mortgage, insurance, or KiwiSaver advice.

The fee charged will not exceed the amount of commission clawed back from the lender/provider.

(c) We may also charge an hourly fee for our services should you not continue with a pre-approval, or allow the pre-approval to lapse without renewal. This may be charged at a rate of up to $250 per hour (plus GST, if any), capped at $3,000 (plus GST, if any) for up to 12 hours work.

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

Commissions and other incentives

If you proceed with a product on the basis of financial advice given by your adviser, the adviser, adviser business, and/or the licensee usually receives commission on issuance of a risk insurance policy or on investment in a KiwiSaver scheme. We may also receive a commission payment or referral fee for business referred to other businesses.

The types of payments that may be received include:

• Upfront commission (calculated as a percentage of the first year’s premium (in the case of insurance products) or a percentage of the loan at drawdown (in the case of a loan)).
• Renewal or trail commission calculated as a percentage of the premium paid for each year the policy is in force (in the case of insurance products), a percentage of the loan outstanding at the relevant time (in the case of a loan), or a percentage of the funds under management in the KiwiSaver scheme (in the case of KiwiSaver products).
• Fixed rate roll over fee (from some product providers if we assist in refixing your loan).
• Referral fees.
• Other incentives or rewards, for example gifts or tickets to events.

Further information about the commissions and incentives that are relevant to the advice you may receive, including the maximum percentages used to calculate the commissions, will be given to you by your Financial Adviser.

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.

Conflicts of Interest

We may attend events hosted by industry associations, product providers (including KiwiSaver providers), and NZFSG, at which product providers discuss and provide information about their products. We manage this potential conflict of interest by ensuring we follow an advice process that ensures we prioritise your interests and recommend products that are suitable for you regardless of the information received at such events.

We take steps to ensure that the conflicts of interest, including receipt of commissions or other incentives, 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 meet 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.

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 021 0798864 or emailing us at imran@peaceofmindadvice.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 free and independent and will assist you to resolve things with us.

Details of this service are:

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

OR

Insurance & Financial Services Ombudsman Scheme (IFSO) Phone: 0800 888 202 Email: info@ifso.nz

OR

Financial Dispute Resolution Service (FDRS) Phone: 0508 337 337 Email: enquiries@fdr.org.nz

Privacy Policy.

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) (the Privacy Act) 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

IFO Peace of Mind Advice Limited

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 (Products).

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 (refer to section 9 below: “Who do we disclose your personal information to?”). 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 (whether through mail, telephone or electronic means (including email and SMS/MMS);
• market research; and
• 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). 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, we collect your personal information directly from your use of our website and the information that you submit to the website. We also collect your personal information if you use the “contact us” functionality on our website and you provide the personal information 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 (e.g. through the use of illion Bank Statements) and employers;
• Product Providers (e.g. during the term of any loan or insurance we have arranged on your behalf, in order to answer your queries or assist you with your financial arrangements as your circumstances change). If applicable, the Product Providers may also periodically disclose your loan balance or premium to us in connection with the payment of ongoing commission to us over the term of your loan or insurance; and
• any other person authorised by you or the Privacy Act.

If you provide any personal information about anyone else to us, you confirm that you have collected that personal information in accordance with the Privacy Act and that the individual concerned has:

• authorised the disclosure to us and the collection, use and disclosure of their personal information by us in accordance with this Privacy Policy; and
• has been informed of their right to access and request correction of their personal information.

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 to do so for the purposes described in section 6 above:

• NZFSG and its related bodies corporate;
• Product Providers and other prospective lenders, third parties or other intermediaries in relation to your finance or insurance requirements (including a prospective lender’s mortgage insurer (if any), any person with whom a lender or insurer proposes to enter into contractual arrangements, any person who provides a guarantee or security and any trustee and any assignee or potential assignee of a lender’s or insurer’s rights);
• 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 or any entity to whom we consider assigning or transferring any of our rights or obligations or selling all or part of our business;
• anyone who we are legally required or authorised to share your information with, including regulators and government agencies;
• to auditors (such as NZFSG) to ensure we are providing services to you that are in your best interests, and in accordance with current regulations;

• your employer and referees, as well as credit reporting and identity verification agencies; and
• any other person or entity authorised by you or the Privacy Act.

You acknowledge and agree that credit reporting agencies may hold your credit information (including default information) on their systems and use such information to provide their credit reporting services, which may include providing your credit information (including default information) to their customers.

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 to anyone outside New Zealand?

We may use cloud storage to store the personal information we hold about you. The cloud storage and the 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 for some of the purposes listed above.

11. Our Website

Cookies and IP addresses

When you access our website, we may send a “cookie” (which is a small summary file containing a unique ID number) to your computer. This enables us to recognise your computer each time you visit our website. We also use cookies to measure traffic patterns, to determine which areas of our website have been visited, to measure transaction patterns, to analyse trends, administer the website, track users’ movements and gather broad demographic information. We use this to research our users’ habits so that we can improve our website and our service offering. Our cookies may record information such as your Internet Protocol (IP) address (that is, the electronic addresses of computers connected to the internet), your device and browser type, operating system, the pages or features of our site to which you have browsed and the time spent on those pages or features, the frequency with which the site is used by you, the search terms that you have used, the links on our site that a you have clicked on or used, and other usage statistics.

While our cookies do not collect personal information, if you submit your name and email address as part of your usage, then we will link that personal information with the cookies information that we have previously collected from you.

If you do not wish to receive cookies, you can set your browser so that your computer does not accept them.

Security

As our website is linked to the internet, and the internet is inherently insecure, we cannot provide any assurance regarding the security of transmission of information you communicate to us online. We also cannot guarantee that the information you supply will not be intercepted while being transmitted over the internet. Accordingly, any personal information or other 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. Our website may also display advertisements, which are hosted by third parties.

We make no representations or warranties in relation to the privacy practices of any third party website or advertisement providers and we are not responsible for other privacy policies or the content of any third party website or advertisements. Third party websites are responsible for informing you about their own privacy practices.

Our online advertising network partner may use cookies, web beacons or other web tracking techniques to collect non-personally identifiable information about your activities on the website

and other websites that you may visit to provide you targeted advertising based upon your interests.

12. Are you required to provide personal information to us?

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, insurance and other Products from Product Providers.

In most circumstances it will be necessary for us to identify you in order to successfully do business with you. However, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.

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 to 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.

This Privacy Policy was last updated on March 2021.

About this website.

This section covers these pages at peaceofmind-landing.pages.dev: the booking form, the booking calendar and the tools that measure how the pages are used. We follow the Privacy Act 2020 and its 13 Information Privacy Principles, which cover how we collect, store, use, share and correct personal information.

What we collect

• When you book: your answers to the short questions (what you’d like to protect, the cover you’re interested in, any cover you have now, what’s prompting you to look, whether your partner is part of the decision, your work, residency and age bracket), your first and last name, your mobile (checked with a text code) and email, and the time you book.
• Automatically: your device and browser, the pages you view, the ad or link that brought you here, and whether you play a video or tap our phone number or email. This uses cookies and similar tools from the platforms below.

We use this to get your call booked, contact you about it, and work out which ads and pages are useful. We don’t sell your information, and you can tell us to stop contacting you at any time.

Platforms we use

Each one handles your information under its own privacy policy. They’re all based in, or store data in, the United States, so your information may be held overseas. We only use providers we reasonably believe protect it to a standard comparable to New Zealand law.

You can block cookies in your browser, opt out of Google Analytics with the Google Analytics opt-out add-on (opens in a new tab), and manage your Facebook and Instagram ad preferences (opens in a new tab). The pages still work.

Keeping and protecting it

Client records are kept as required for financial advice providers. Google Analytics data is kept for 14 months. We use secure, access-controlled systems and encrypted connections.

Your rights

You can ask to see, correct or delete the information we hold about you by emailing info@peaceofmindadvice.co.nz. We’ll respond within 20 working days, and it’s free. If you’re not happy with how we’ve handled your information, please tell us first. You can also complain to the Office of the Privacy Commissioner at privacy.org.nz (opens in a new tab) or on 0800 803 909.

Using these pages

These pages give general information about our complimentary cover check, not personal financial advice. We only give advice after talking with you about your situation. To the extent the law allows, we’re not liable for decisions made from this general information alone. Nothing here limits your rights under the Consumer Guarantees Act 1993 or the Fair Trading Act 1986. These terms are governed by New Zealand law.

Website section last updated 12 November 2026.