Public Disclosure in accordance to REG 229C

Licensing information:

Name: 361 Finance Group Limited

Trading Name: Blended Finance

FSP number: 1007186

NZBN: 9429047243682

Registration date: 30/01/2019

FSP status: Registered

361 Finance Group Limited offers a range of financial services, including:

– Vehicle Loans
– Personal Loans
– Debt Consolidation Loans
– Business Loans: top-up operating cash flows

These services are provided in partnership with the following lenders:

– Finance Now
– Avanti Finance
– Branded Financial Services
– UDC Finance
– Geneva Finance
– Community Financial Services
– Aotea
– Broadland
– Bizcap

Asset Insurance Products:

At 361 Finance Group Ltd, we do not provide advice on insurance products, including Mechanical Breakdown Insurance (MBI), Guaranteed Asset Protection (GAP), or Lifestyle Protection Insurance (LPI). If these insurance products are offered in conjunction with a loan, our services are limited to providing you with the necessary information to help you decide whether these products are suitable for your needs.

We have established relationships with the following insurance providers, and we can connect you with them for further details:

– Autosure Insurance
– Janssen Insurance
– Quest Insurance
– Go Cover

Fees and Remuneration

Loans

361 Finance Group Limited may charge an Introducer Fee of up to $995 and our lenders charge an Establishment Fee which can vary up to $350 depending on the Lender. These fees are added to the loan amount you are borrowing.

361 Finance Group Limited may also be remunerated in either of these ways depending on the lender:

–  Commission: We may receive a commission from the lender when a loan is completed. The commission amount is a percentage of the loan amount and will vary depending on the lender.
– Interest Income: A portion of the interest payable by you to the lender based on the amount financed and the term of the loan, paid to us at settlement.

Insurance Products

If we help you obtain Credit or Asset Insurance from Janssen Insurance, Autosure, Go Cover or Quest Insurance, in conjunction with a vehicle or personal loan, we may receive a commission from that insurance provider.

Conflicts of Interest; Commissions and Incentives

361 Finance Group Limited receives income from lenders. This income varies depending on the lender.

We take any perceived or real conflicts of interest very seriously and have a dedicated policy for dealing with such issues whereby we avoid, disclose and/or manage any conflicts so that our client’s interests are placed first and foremost. 

All our financial service providers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit and a review of our compliance programme annually. 

Complaints Handling and Dispute Resolution

If you have a complaint, please submit it in writing to Danni@blended.co.nz discuss it on 0220798971 Danni Hou.

Once you have made your complaint, we will acknowledge it within two working days of receiving it

and refer it to the appropriate adviser for review.

We aim to have your complaint resolved within five days and will communicate with you in writing our proposed resolution.

If after five working days we cannot resolve your complaint, we will let you know and explain why. require additional time. We will work to resolve your complaint within 20 working days.

If you are unhappy with the outcome of your complaint or if it has not been resolved within 20 working days, you can contact the Insurance & Financial Services Ombudsman Scheme (IFSO)

IFSO is an independent approved disputes resolution scheme that we belong to. It will not cost you anything to refer your complaint to IFSO and contact them in the following ways:

– Phone: 0800 888 202 or 04 499 7612
– Email: info@ifso.nz
– In writing to PO Box 10-845, Wellington 6143, New Zealand

Duties Information

We have duties under the Financial Markets Conduct Act 2013 relating to the way that we provide service:

We are 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 that meets standards of competence, knowledge, and skill set by the Code of Professional Conduct for Financial Advice Services.
– Meet standards of ethical behavior, conduct, and client care set by the Code of Professional Conduct for Financial Advice Services.

Remember: You have the right to ask for a copy of any personal information we hold about you, and to ask for it to be corrected if you think it is wrong. Please contact us:

– Address: 4/18 Moselle Avenue, Henderson, New Zealand
– Or via email at Danni@blended.co.nz
– Or call 022 027 8971 Danni Hou