{"id":27,"date":"2025-06-22T00:40:08","date_gmt":"2025-06-22T00:40:08","guid":{"rendered":"https:\/\/cfan.co.nz\/?page_id=27"},"modified":"2025-08-02T04:59:27","modified_gmt":"2025-08-02T04:59:27","slug":"disclosure","status":"publish","type":"page","link":"https:\/\/cfan.co.nz\/zh\/disclosure\/","title":{"rendered":"\u7533\u660e"},"content":{"rendered":"<div class=\"wp-block-cover alignfull hero-cover\" style=\"min-height:400px;aspect-ratio:unset;\" id=\"hero-trigger\"><img loading=\"lazy\" decoding=\"async\" width=\"993\" height=\"479\" data-attachment-id=\"157\" data-permalink=\"https:\/\/cfan.co.nz\/zh\/services\/serviceheader\/\" data-orig-file=\"https:\/\/cfan.co.nz\/wp-content\/uploads\/2025\/06\/serviceheader.avif\" data-orig-size=\"993,479\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"serviceheader\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/cfan.co.nz\/wp-content\/uploads\/2025\/06\/serviceheader.avif\" class=\"wp-block-cover__image-background wp-image-157 size-full\" alt=\"\" src=\"https:\/\/cfan.co.nz\/wp-content\/uploads\/2025\/06\/serviceheader.avif\" data-object-fit=\"cover\" srcset=\"https:\/\/cfan.co.nz\/wp-content\/uploads\/2025\/06\/serviceheader.avif 993w, https:\/\/cfan.co.nz\/wp-content\/uploads\/2025\/06\/serviceheader-300x145.avif 300w, https:\/\/cfan.co.nz\/wp-content\/uploads\/2025\/06\/serviceheader-768x370.avif 768w\" sizes=\"auto, (max-width: 993px) 100vw, 993px\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim\" style=\"background-color:#312f31\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-block-cover-is-layout-constrained\">\n<h1 class=\"wp-block-heading has-text-align-center drop-in has-inter-font-family\" style=\"font-size:clamp(1.884rem, 1.884rem + ((1vw - 0.2rem) * 2.221), 3.3rem);font-style:normal;font-weight:500\"><strong>\u7533\u660e<\/strong><\/h1>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-794e3cfa wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-style-default is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image alignleft size-large is-resized fade-in-section\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"831\" height=\"1024\" data-attachment-id=\"52\" data-permalink=\"https:\/\/cfan.co.nz\/zh\/cfan-logo-color\/\" data-orig-file=\"https:\/\/i0.wp.com\/cfan.co.nz\/wp-content\/uploads\/2025\/06\/cfan-logo-color.png?fit=3376%2C4162&amp;ssl=1\" data-orig-size=\"3376,4162\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"cfan-logo-color\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/cfan.co.nz\/wp-content\/uploads\/2025\/06\/cfan-logo-color.png?fit=831%2C1024&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cfan.co.nz\/wp-content\/uploads\/2025\/06\/cfan-logo-color.png?resize=831%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-52\" style=\"aspect-ratio:0.8115250191799506;width:108px;height:auto\" srcset=\"https:\/\/i0.wp.com\/cfan.co.nz\/wp-content\/uploads\/2025\/06\/cfan-logo-color.png?resize=831%2C1024&amp;ssl=1 831w, https:\/\/i0.wp.com\/cfan.co.nz\/wp-content\/uploads\/2025\/06\/cfan-logo-color.png?resize=243%2C300&amp;ssl=1 243w, https:\/\/i0.wp.com\/cfan.co.nz\/wp-content\/uploads\/2025\/06\/cfan-logo-color.png?resize=768%2C947&amp;ssl=1 768w, https:\/\/i0.wp.com\/cfan.co.nz\/wp-content\/uploads\/2025\/06\/cfan-logo-color.png?resize=1246%2C1536&amp;ssl=1 1246w, https:\/\/i0.wp.com\/cfan.co.nz\/wp-content\/uploads\/2025\/06\/cfan-logo-color.png?resize=1661%2C2048&amp;ssl=1 1661w, https:\/\/i0.wp.com\/cfan.co.nz\/wp-content\/uploads\/2025\/06\/cfan-logo-color.png?w=2000&amp;ssl=1 2000w, https:\/\/i0.wp.com\/cfan.co.nz\/wp-content\/uploads\/2025\/06\/cfan-logo-color.png?w=3000&amp;ssl=1 3000w\" sizes=\"auto, (max-width: 831px) 100vw, 831px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-right fade-in-section\">Certainty Financial Advisers Network<\/h2>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-right fade-in-section\">Suite 3, Level 2, 86 Parnell Road<\/h4>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-right fade-in-section\">Parnell, Auckland 1052<\/h4>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-right fade-in-section\">+ 64 9 600 1020<\/h4>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-right fade-in-section\"><a href=\"mailto:info@cfan.co.nz\">info@cfan.co.nz<\/a>;&nbsp;<a href=\"https:\/\/cfan.co.nz\/zh\/\">www.cfan.co.nz<\/a><\/h4>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading alignwide fade-in-section\"><strong>LICENSING INFORMATION<\/strong><\/h3>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-560dedde wp-block-group-is-layout-constrained\">\n<p class=\"fade-in-section is-style-text-display is-style-text-display--1 wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\"><br>Certainty Financial Advisers Network Limited (FSP677951) (trading as CFAN) holds a licence issued by the Financial Markets Authority to provide financial advice. Our Financial Advisers are authorised by that licence to provide financial advice.<br><br><\/p>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading alignwide fade-in-section\"><strong>NATURE AND SCOPE OF ADVICE<\/strong><\/h3>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-560dedde wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-justify fade-in-section is-style-text-display is-style-text-display--2 wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">Advisers under the Certainty Financial Advisers Network Limited licence provide advice to our clients about their personal risk insurance and health insurance. Our Financial Advisers provide financial advice in relation to these financial advice products.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-794e3cfa wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-794e3cfa wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-style-default is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"fade-in-section is-style-text-display is-style-text-display--3 wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">For personal risk insurance we work with:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checkmark-list\">\n<li class=\"fade-in-section has-small-font-size\">AIA<\/li>\n\n\n\n<li class=\"fade-in-section has-small-font-size\">Asteron Life<\/li>\n\n\n\n<li class=\"fade-in-section orange-tick has-small-font-size\">Chubb Life<\/li>\n\n\n\n<li class=\"fade-in-section has-small-font-size\">Fidelity Life<\/li>\n\n\n\n<li class=\"fade-in-section has-small-font-size\">NIB<\/li>\n\n\n\n<li class=\"fade-in-section has-small-font-size\">Partners Life<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-style-default is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-left fade-in-section is-style-text-display is-style-text-display--4 wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">For Health insurance we work with:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checkmark-list\">\n<li class=\"fade-in-section has-small-font-size\">AIA<\/li>\n\n\n\n<li class=\"fade-in-section has-small-font-size\">NIB<\/li>\n\n\n\n<li class=\"fade-in-section has-small-font-size\">Partners Life<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading alignwide\"><\/h4>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-560dedde wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-justify fade-in-section is-style-text-display is-style-text-display--5 wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">In providing you with financial advice, our Financial Advisers will only consider existing personal term life, trauma, income protection and health insurance policies (if any).We will not provide advice on existing whole of life or endowment products, so you will need to consult a specialist if you would like advice on those products.&nbsp;We are unable take into consideration or provide advice on financial products issued outside of New Zealand.<\/p>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading alignwide fade-in-section\"><strong>FEES OR EXPENSES<\/strong><\/h3>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-560dedde wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-justify fade-in-section is-style-text-display is-style-text-display--6 wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">Advisers under the Certainty Financial Advisers Network Limited do not charge fees, expenses or any other amount for the financial advice provided to its clients provided the cover stays in force for at least 2 years.CFAN may charge a fee for the financial advice provided to a client where a client cancels a life or health insurance policy within two years of inception. Whether a fee will be charged and the manner in which it will be charged will be advised when the advice is provided to the client. This fee will be payable by the client by the 20<sup>th<\/sup> of the month after the policy is cancelled.&nbsp;<\/p>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading alignwide fade-in-section\"><strong>CONFLICTS OF INTEREST AND INCENTIVES<\/strong><\/h3>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-560dedde wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-justify fade-in-section is-style-text-display is-style-text-display--7 wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">Certainty Financial Advisers Network Limited and our financial advisers receive commissions from the insurance providers on whose products we give financial advice.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-560dedde wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-justify fade-in-section is-style-text-display is-style-text-display--8 wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">If you decide to take out insurance the provider will pay a commission to Certainty Financial Advisers Network Limited and to your Financial Adviser. The amount of commission is based on the amount of the premium.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-560dedde wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-justify fade-in-section is-style-text-display is-style-text-display--9 wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives.To ensure that our financial advisers prioritise the client\u2019s interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the client\u2019s goals and circumstances.&nbsp;All our financial advisers undergo annual training about how to manage conflicts of interest.&nbsp;We maintain registers of conflicts of interests, and the gifts and incentives we receive.&nbsp; Certainty Financial Advisers Network Limited monitors these registers and provides additional training where necessary.&nbsp; Certainty Financial Advisers Network Limited performs an annual review of our compliance programme.<\/p>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading alignwide fade-in-section\"><strong>COMPLAINTS HANDLING AND DISPUTE RESOLUTION<\/strong><\/h3>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-236ffaf5 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-560dedde wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-justify fade-in-section is-style-text-display is-style-text-display--10 wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">If you are not satisfied with our financial advice service you can contact our internal complaints team by:<\/p>\n<\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"fade-in-section\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">Email us at: <a href=\"mailto:compliance@cfan.co.nz\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-custom-color-1-color\">compliance@cfan.co.nz<\/mark><\/a>;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"fade-in-section\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">Call us on: <a href=\"tel:6496001020\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-custom-color-1-color\">+64 9 600 10 20<\/mark><\/a>;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"fade-in-section\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">Write to us at: Suite 3, Level 2, 86 Parnell Road, Parnell, Auckland 1052<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-560dedde wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-justify fade-in-section is-style-text-display is-style-text-display--11 wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">When we receive a complaint, we will consider it following our internal complaints process:<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-236ffaf5 wp-block-group-is-layout-constrained\">\n<ul class=\"wp-block-list\">\n<li class=\"fade-in-section\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">We will consider your complaint and let you know how we intend to resolve it.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list has-medium-font-size\">\n<li class=\"fade-in-section\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">We may need to contact you to get further information about your complaint.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list has-medium-font-size\">\n<li class=\"fade-in-section\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">We aim to resolve complaints within 10 working days of receiving them.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list has-medium-font-size\">\n<li class=\"fade-in-section\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">If we can\u2019t, we will contact you within that time to let you know we need more time to consider your complaint.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list has-medium-font-size\">\n<li class=\"fade-in-section\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so.&nbsp;<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-560dedde wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-justify fade-in-section is-style-text-display is-style-text-display--12 wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">If we can\u2019t resolve your complaint, or you aren\u2019t satisfied with the way we propose to do so, you can contact Insurance &amp; Financial Services Ombudsman Scheme Inc. <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-560dedde wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-justify fade-in-section is-style-text-display is-style-text-display--13 wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">Insurance &amp; Financial Services Ombudsman Scheme Inc. provides a free, independent dispute resolution service that may help investigate or resolve your complaint, if we haven\u2019t been able to resolve your complaint to your satisfaction. You can contact Insurance &amp; Financial Services Ombudsman Scheme Inc. by emailing <a href=\"mailto:info@ifso.nz\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-custom-color-1-color\">info@ifso.nz<\/mark><\/a>, or by calling: <a href=\"tel:0800888202\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-custom-color-1-color\">0800 888 202<\/mark><\/a> or <a href=\"tel:6444997612\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-custom-color-1-color\">+64 4 499 7612<\/mark><\/a>. <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-560dedde wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-justify fade-in-section is-style-text-display is-style-text-display--14 wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">You can also write to them at: PO Box 10-845, Wellington 6143, New Zealand.<\/p>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading alignwide fade-in-section\"><strong>DUTIES INFORMATION<\/strong><\/h3>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-560dedde wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-justify fade-in-section is-style-text-display is-style-text-display--15 wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">Certainty Financial Advisers Network Limited, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading alignwide fade-in-section is-style-text-display is-style-text-display--16\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">We are required to:<\/h2>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-236ffaf5 wp-block-group-is-layout-constrained\">\n<ul class=\"wp-block-list has-medium-font-size\">\n<li class=\"fade-in-section\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">Give priority to your interests by taking all reasonable steps to make sure our advice isn\u2019t materially influenced by our own interests<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list has-medium-font-size\">\n<li class=\"fade-in-section\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">Exercise care, diligence, and skill in providing you with advice<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list has-medium-font-size\">\n<li class=\"fade-in-section\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">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)<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list has-medium-font-size\">\n<li id=\"fade-in-section\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">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).<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-560dedde wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-justify wide-text fade-in-section is-style-text-display is-style-text-display--17 wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.196), 1rem);\">This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at <a href=\"https:\/\/www.fma.govt.nz\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-custom-color-1-color\">https:\/\/www.fma.govt.nz<\/mark><\/a>.<\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Certainty Financial Advisers Network Suite 3, Level 2, 86 Parnell Road Parnell, Auckland 1052 + 64 9 600 1020 <a href=\"mailto:info@cfan.co.nz\">info@cfan.co.nz<\/a>;&nbsp;www.cfan.co.nz LICENSING INFORMATION Certainty Financial Advisers Network Limited (FSP677951) (trading as CFAN) holds a licence issued by the Financial Markets Authority to provide financial advice. Our Financial Advisers are authorised by that licence to provide financial [&hellip;]<\/p>\n","protected":false},"author":267804252,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_crdt_document":"","footnotes":""},"class_list":["post-27","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>CFAN : Disclosure<\/title>\n<meta name=\"description\" content=\"View CFAN\u2019s full disclosure statement, including licensing information, complaint procedures, and how we work with financial advisers under the FAP structure.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cfan.co.nz\/zh\/disclosure\/\" \/>\n<meta property=\"og:locale\" content=\"zh_HK\" \/>\n<meta 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