Important information about our business:

Hansen Advisory Limited, trading as Adapt Mortgages, holds a Financial Advice Provider licence issued by the FMA to provide financial advice services. Hansen Advisory Limited Financial Services Provider Number is 1008196.

Our contact details:

• Phone:             027 4620 722

• Email:              Ngaire@adaptmortgages.co.nz

• Website:          www.adaptmortgages.co.nz

Nature and Scope of financial advice services

Our Services

• Debt management (including borrowing for personal and investment purposes)                      

• KiwiSaver investment strategies                    

Products we can provide financial advice about                                            

• Loans including mortgages and reverse mortgages

• KiwiSaver investments

Product Providers we might recommend

ANZ, ASB, BNZ, Westpac, ASAP Finance, Avanti, Basecorp, Co-op bank, Cressida Capital, DBR, First Mortgage Trust, Funding Partners, Heartland Bank, Liberty, Unity, Plus Finance, Prospa, SBS, Southern Cross Partners, Pallas Capital, BizCap, Finbase, XCEDA, Vincent Capital, Simplify, XE, The Lending People, Milford, Generate.

Our Fees

Lending:

In place of an upfront fee, Hansen Advisory Limited T/A Adapt Mortgages is paid a commission by the recommended lending provider. This commission ranges depending on which provider you choose to take a loan with. I will confirm the amount of commission Hansen Advisory Limited T/A Adapt Mortgages will receive when I provide my recommendation to you.

In addition, Hansen Advisory Limited T/A Adapt Mortgages may receive a commission on the outstanding mortgage or lending balance annually which covers the ongoing service I provide to you, by way of trail commission and may also receive a lump sum payment for any loan that is refixed during the course of the loan.

Hansen Advisory Limited T/A Adapt Mortgages may also charge a fee where no commission is payable by the lender or where the lending is refinanced or paid off in 3 years or for any transaction where the dollar value of the lending is under $200,000. This will be discussed and agreed upon upfront.

KiwiSaver:

Depending on which provider you choose to go with, Hansen Advisory Limited T/A Adapt Mortgages can be paid either an upfront fee and/or a commission for funds under management. I will confirm how much Hansen Advisory Limited T/A Adapt Mortgages will receive when I provide my recommendation.

Personal Risk: (Life, Income, Disability & Health Insurances):

While I don’t provide Life & Risk Insurance as part of my product offering, I am able to refer you to Insurance Brokers Alliance who provide personalised advice that takes into account your individual circumstances to determine the personal risk products that best meet your personal goals and needs. If you take out a policy with Insurance Brokers Alliance on the back of my referral, I may receive a commission and or trail commission which will be disclosed to you if a referral is made.

General Insurance: (Home, Contents & Car):

While I don’t provide general insurance as part of my product offering, I am able to refer you to Insurance Brokers Alliance who have access to some of the most comprehensive policies on the market. If you take out a policy with Insurance Brokers Alliance on the back of my referral, I may receive a commission and or trail commission which will be disclosed to you if a referral is made.

I am required to:

• Give priority to your interests by taking all reasonable steps to make sure our advice isn't materially influenced by our own interests.

• Exercise care, diligence, and skill in providing you with advice.

• Meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice).

• Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should and give you suitable advice).

Use of Technology in Our Advice Process

To enhance the quality and efficiency of our service, we may use technology-based tools, including AI-powered software, to assist with data analysis and document preparation. These tools help us identify suitable options more efficiently and ensure consistency across our advice process.

All advice is reviewed and approved by a licensed financial adviser. We do not rely solely on automated systems to provide regulated financial advice. You are welcome to ask us about how your information is used and how our advice is prepared. 

How to raise a concern or complaint about my advice

If you are unhappy with any aspect of my service, please tell me so that we can manage it through my internal complaint process.

If we are unable to address your concerns, you can contact my disputes resolution scheme, at no cost to you:

Scheme: Financial Dispute Resolution Service

Address: Freepost 231075, PO Box 2272, Wellington 6140

Telephone number: 0508 337 337

Email address: enquiries@fdrs.org.nz

Privacy Policy

Hansen Advisory Limited (trading as Adapt Mortgages) (we, us, our) complies with the New Zealand Privacy Act 2020 (the Act) when dealing with personal information. Personal information is information about an identifiable individual (a natural person). This policy sets out how we will collect, use, disclose, and protect your personal information.

This policy does not limit or exclude any of your rights under the Act. If you wish to seek further information on the Act, you can contact our Privacy Officer by email at ngaire@adaptmortages.co.nz or visit www.privacy.org.nz for further information.

Changes to this policy

We may change this policy by uploading a revised policy onto the website. The change will apply from the date that we upload the revised policy.

What is personal information?

Personal information is information about an identifiable individual. It includes (but is not limited to) name, address, contact details, date of birth, occupations, payment details, employment history and/or details, education and qualifications, financial information, testimonials and feedback, evidence of source of funds or source of wealth (in some cases) and other information.

We will use your personal information:

●       to verify your identity

●       to provide services and products to you

●       to market our services and products to you, including contacting you electronically (e.g. by call, text, or email for this purpose)

●       to improve the services and products that we provide to you

●       to respond to communications from you, including a complaint

●       to protect and/or enforce our legal rights and interests, including defending any claim

●       for any other purpose authorised by you or the Act.

How We Use your Personal Information

Use of Technology and AI Tools
We may use technology-based tools, including artificial intelligence (AI) systems, to assist in the preparation and delivery of financial advice. These tools help us analyse financial information, generate documents, and ensure our recommendations are tailored to your needs.

All personal information processed through these tools is handled in accordance with the Privacy Act 2020. We maintain strict confidentiality and data security protocols. Where third-party providers are used, we ensure they meet our data protection standards. Your information is not used for automated decision-making without oversight from a qualified financial adviser.

Disclosing your personal information

We may disclose your personal information to:

●       Other companies or individuals who assist us in providing services or who perform functions on our behalf (such as mailing houses, hosting and data storage providers, specialist consultants, and legal advisers);

●       Product providers (such as but not limited to lenders and insurance companies);

●       Financial advisers and financial advice providers who may use our services;

●       Other companies or individuals who perform checks (such as but not limited to compliance reviews and audits) that are necessary or desirable under the law on our behalf;

●       Other companies, agencies, or individuals that maintain databases against which your identity may be verified, which may include (but are not limited to) the New Zealand Department of Internal Affairs, and New Zealand Transport Agency;

●       Social media sites on which we may have a presence;

●       Courts, tribunals, and regulatory authorities (such as the Financial Markets Authority, and the Ministry of Justice in New Zealand);

●       Office of the Ombudsman, where a complaint relates to official information;

●       Any person or agency we believe could assist in responding to a serious privacy breach.

●       Office of the New Zealand Privacy Commissioner, where a complaint relates to breach of the Privacy Act 2020;

●       Human Rights Commission, where a complaint relates to discrimination;

●       CERT NZ, where appropriate to assist with the management of a voluntarily notified privacy breach

●       Overseas privacy regulator, where a complaint relates to the actions of an overseas agency; and

●       Anyone else to whom you authorise us to disclose it.

Except as described above, we will not disclose your personal information without your written or oral consent, unless we are required to do so by applicable law.

Protecting your personal information

We will take reasonable steps to keep your personal information safe from loss, unauthorised activity, or other misuse. Our software is subject to audits to ensure it is continuing to meet security requirements. All data handled in our software is encrypted in transit and during storage and can only be accessed over secure network connections.

Storing your personal information

We will only retain personal information as long as it is required for the purposes for which the information may lawfully be used. All data stored online is backed up and can be retrieved in the event of data loss or corruption.

Data will sometimes be held on-premise if it is provided to us outside of our software.

Accessing and correcting your personal information

Subject to certain grounds for refusal set out in the Act, you have the right to access your readily retrievable personal information that we hold and to request a correction to your personal information. Before you exercise this right, we will need evidence to confirm that you are the individual to whom the personal information relates.

In respect of a request for correction, if we think the correction is reasonable and we are reasonably able to change the personal information, we will make the correction. If we do not make the correction, we will take reasonable steps to note the personal information that you requested the correction.

If you want to exercise either of the above rights, email us at ngaire@adaptmortgages.co.nz. Your email should provide evidence of who you are and set out the details of your request (e.g. the personal information, or the correction, that you are requesting).

Data Breaches

Our Privacy Officer has processes and systems in place in the unfortunate event of a data breach. If such an event occurs, we will promptly identify, report and examine a personal data breach.

Internet use

While we take reasonable steps to maintain secure internet connections, if you provide us with personal information over the internet, the provision of that information is at your own risk.

If you follow a link on our website to another site, the owner of that site will have its own privacy policy relating to your personal information. We suggest you review that site’s privacy policy before you provide personal information.

We use cookies (an alphanumeric identifier that we transfer to your computer’s hard drive so that we can recognise your browser) to monitor your use of the website. You may disable cookies by changing the settings on your browser, although this may mean that you cannot use all of the features of the website.

We may use information about your use of our websites and other IT systems to prevent unauthorised access or attacks on our software. We may utilise services from one or more third-party suppliers to monitor the use of our systems. These third-party suppliers will have access to monitoring and logging information as well as information processed on our websites and other IT systems.