Disclosure Statement

About Us

Trebla Partners Limited (trading as Trebla) holds a licence issued by the Financial Markets Authority (FMA) to provide a financial advice service. Our financial advisers are registered on the Financial Service Providers Register (FSPR).

Our Financial Advisers

The financial advisers who provide advice on behalf of Trebla Partners Limited are:

• Arapeta Albert — Financial Adviser (FSP433026)
• Joanne Walker — Financial Adviser (FSP380146)

Alex Talopa'u and Alva Talopa'u operate in a business development capacity and do not provide regulated financial advice.

Nature and Scope of Advice

Trebla Partners Limited provides financial advice services to clients about their:

• Personal life, sickness and disability insurance needs and products
• Health insurance needs and products
• Business life and disability insurance needs and products
• Residential lending (mortgages) needs and products

Not all our advisers can advise on all these product areas and needs. Please refer to Meet Our Team to see who can advise on which area.

Trebla Partners Limited does not generally provide financial advice on products or companies not listed below. However, some clients may have cover, investments or lending in other financial products. Where this is the case, we may provide advice on those products as part of providing financial advice to these clients.

We will not provide advice on existing whole of life or endowment products — you will need to consult a specialist if you would like advice on those products.

Mortgages provided by:

ASB, ANZ, BNZ, Co-Operative Bank, Westpac, TSB, SBS, Bank of China, China Construction Bank, Heartland Bank, Avanti, NZCU Baywide, Unity, Liberty Finance, Peppermoney, Basecorp, Prospa, Zagga, ZIP, Cressida, DBR, First Mortgage Trust, Southerncross Partners, General Finance, Goldband Finance, ASAP Finance and Vincent Capital

Life & health insurance provided by:

Accuro, AIA, Asteron Life, Chubb Life, Fidelity Life, NIB, Partners Life, Southern Cross

Referral Services

For the following services, Trebla Partners Limited acts as a referral only. Advice in these areas is provided by specialist third-party advisers:

• KiwiSaver — KiwiSaver scheme advice and reviews. We refer clients to a specialist KiwiSaver adviser.
• Fire and General (F&G) Insurance — Home, contents, vehicle, and general insurance. We refer clients to specialist F&G providers and may receive a referral fee for doing so.
• Investment Products — Managed funds and broader investment advice. We refer clients to a specialist investment adviser.

Where a referral is made, we will make this clear to you. The referred adviser will provide their own disclosure statement before providing advice.

Fees and Expenses

Trebla Partners Limited does not charge fees, expenses or any other amount for the financial advice provided to its clients unless:

• You purchase a product through us and cancel it within 24 months and the product provider requires us to pay back the commission we received. We reserve the right to charge a cancellation fee equivalent to a fair and reasonable value for the work we performed in providing that advice. We will agree a fixed fee for cancellation at the time our advice is provided to you.
• Where requested by a client, undertaking a specific assignment, for which an agreed consultancy fee may be charged.

Conflicts of Interest, Commissions and Incentives

Trebla and our financial advisers receive commissions from the providers on whose products we provide financial advice or in which our clients invest, insurance companies on whose policies we provide financial advice, and from the banks with whom we arrange mortgages. These commissions are based on the amount of the sum invested, insurance premiums paid or mortgage value.

To ensure our financial advisers prioritise each client's interests above their own, they follow an advice process designed to ensure recommendations are made on the basis of the client's circumstances and financial goals. Trebla Partners Limited also:

• Has a quality assurance programme in place to monitor the advice our financial advisers provide
• Actively monitors compliance with our conflicts policies and procedures
• Ensures training is provided to all financial advisers about how to manage conflicts of interest

Complaints

Even with the best of intentions, complaints sometimes arise. Trebla Partners Limited is committed to ensuring that all client complaints are handled and resolved in a professional, fair and timely manner in accordance with our Client Complaints Policy and associated procedures. If you are not satisfied with our financial advice services, you can lodge a complaint via our website under the complaints section.

When we receive a complaint, we will consider it and let you know how we intend to resolve it. We may need to contact you to get further information about your complaint. We aim to resolve complaints within 10 working days of receiving them. If we cannot, we will contact you within that time to let you know we need more time to consider your complaint.

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.

If we cannot resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact Financial Disputes Resolution Service — an approved dispute resolution scheme who provide a free, independent dispute resolution service that may help investigate or resolve your complaint.

Financial Disputes Resolution Service (FDRS)
Phone: 0508 337 337
Email: enquiries@fdrs.org.nz
Website: www.fdrs.org.nz
Post: FREEPOST 231075, PO Box 2272, Wellington
This service is free of charge to you.

Our Advice Process

We follow a structured six-step financial advice process to ensure every client receives advice that is thorough, transparent, and in their best interests. This process covers: initial engagement and disclosure, information gathering, research and analysis, recommendations, implementation, and ongoing review.

Read about our advice process →

Duties

Trebla Partners Limited and anyone who gives financial advice on our behalf have legal duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. We must:

• Give priority to our clients' interests by taking all reasonable steps to make sure our advice is not materially influenced by our own interests
• Exercise care, diligence, and skill in providing the advice
• Meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (designed to ensure 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 (designed to ensure we treat you as we should and give you suitable advice)

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 www.fma.govt.nz.