Financial Advice Provider Disclosure Statement

TrustOne Financial Services Limited Trading as TrustOne Financial, FSP Number FSP1008318, holds a Full Class 2 Financial Advice Provider license issued by the Financial Markets Authority (FMA) to provide financial advice services. Below is essential information to help you understand the type of advice we provide, enabling you to make informed choices when engaging in with us.

Financial Adviser Provider- TrustOne Financial Services Limited Trading As “TrustOne Financial”

Address of Financial Advice Provider – 2/382 Hillsborough Road, Hillsborough, Auckland 1042

Financial Adviser – Ravi Kachalia/ (022) 489 0239

Company FSPR Number - FSP1008318

We support our clients in meeting their lending and mortgage needs. Our services cover a variety of financial products, including:

· Home loans, including loans for first home buyers, investment property loans, construction loans, top up loans, debt consolidation, business loans, commercial loans, refinancing, mortgage refix and restructuring, and personal loans.

We work with the following lenders to offer mortgage products:

· ANZ, ASB, BNZ, Westpac, Kiwibank, SBS, Co-operative Bank, AIA Go Home Loans, Liberty Finance, Avanti Finance, Prospa, Unity, Basecorp, China Construction Bank, Heartland Bank, Latitude Financial, Resimac, MTF, Better Finance, Pepper Money. The lender list may be updated periodically

Our services do not include advice on investments, legal matters, or tax issues.

We generally provide our financial advice and services at no direct cost to you. Instead of charging fees, we are compensated through commissions and payments from lenders with whom we secure your financing.

However, a fee may apply in specific situations:

· If you partially or fully repay or refinance the loan within the applicable lender clawback period (generally around 28 months of drawdown but this may vary by lender)”, or

· If you choose not to proceed with a loan that we have arranged for you.

Any applicable fee will be disclosed to you before it is charged, where required.

At TrustOne Financial, we are dedicated to providing unbiased advice and acting in your best interests. We address any conflicts of interest openly and follow a structured advice process to ensure recommendations are tailored to your needs.

· We ensure transparency regarding any actual or potential conflicts, regardless of whether they have influenced our opinions or recommendations to the client.

· We abstain from participating in business decisions that affect our immediate family members or associated entities.

· We promptly notify our clients upon discovering any conflict of interest in our financial advice services, handling conflicts diligently to maintain the quality of advice. This includes discussing the conflict and our management plan with the client.

· We proceed with the engagement only after obtaining written acceptance from the client regarding our conflict management plan and their satisfaction with proceeding.

· We document all gifts and hospitality exceeding [$250] in value in the Gifts Register and disclose them to Compliance.

· We maintain a Conflicts Register, documenting actions taken to mitigate identified conflicts. This register is regularly updated and reviewed half-yearly as needed.

· We receive upfront as well as ongoing commissions from the providers whose products we advise on, such as lenders. Sometimes, banks we work with may reward us with tickets to events, invitations to social functions, or gifts.

· Some banks also invite us to conferences or provide training to help improve the quality of the services we provide.

Our commitment to transparency is core to providing advice that prioritizes your goals and builds trust.

If our services have not met your expectations, please feel free to submit a complaint by emailing us at ravi@trustonefinancial.co.nzor by calling 022 489 0239.

Upon receiving a complaint, we will review it carefully and address it through our internal resolution process:

1. Acknowledgment – We will confirm receipt of your complaint usually within 2 working days of receiving your complaint.

2. Documentation – Your complaint will be logged in our Complaints Register.

3. Resolution – We will work with you to address your concerns and may request a meeting to better understand your issue.

4. Response – Our goal is to respond within 10 working days. If more time is needed, we will keep you updated on the progress.

If we cannot resolve your complaint to your satisfaction, you may refer the matter to Financial Dispute Resolution Service (FDRS), an independent and free dispute resolution service. Their contact information is below:

· Email: enquiries@fdrs.org.nz

· Phone: 0508 337 337

· Website: https://fdrs.org.nz  

· Mail: PO Box 2272, Wellington 6140, New Zealand

We are committed to ensuring a fair and prompt resolution to any issues you may have.

As part of our commitment under the Financial Markets Conduct Act, we are obligated to:

· Maintain high standards of competence, knowledge, and skill as specified in the Code of Conduct.

· Prioritize your interests above all else.

· Exercise careful diligence and skill in our advisory services.

· Adhere to the ethical behavior, conduct, and client care standards set out in the Code of Conduct. 

In line with the Financial Markets Conduct Act, we are committed to:

· Upholding high standards of expertise, knowledge, and skills as outlined in the Code of Conduct.

· Putting your interests first in all aspects of our service.

· Providing advice with diligence and care.

· Following ethical guidelines and client care standards set out in the Code of Conduct.

For more details, please contact us or visit the Financial Markets Authority at https://www.fma.govt.nz

Contact Details

For any inquires or further information, please contact us using the details below.

Phone: 022 489 0239

Company Name: TrustOne Financial Services Limited Trading As “TrustOne Financial”

Email: ravi@trustonefinancial.co.nz

Address: 2/382 Hillsborough Road, Hillsborough, Auckland 1042