Disclosure

Financial Disclosure Statement

About Us

Eastpoint Financial Limited operates as a financial services brokerage under the trading name ELoanz. We are a New Zealand registered company, a registered Financial Service Provider, and a licensed Financial Advice Provider (FAP) under the Financial Markets Conduct Act 2013. Our lender panel includes Avanti Finance, UDC Finance, Heartland Bank, and Broadlands Finance. We are a member of Financial Services Complaints Limited (FSCL).

Depending on your circumstances and the nature of your enquiry, ELoanz may provide regulated financial advice through an authorised adviser, or may introduce you to a lender without providing advice. This distinction is explained below.

Financial Advice Services

Where you engage an authorised ELoanz adviser, we provide regulated financial advice across the following categories:

• Consumer lending, including personal loans and vehicle finance
• Asset and equipment finance
• Marine and caravan finance
• Commercial and SME lending

We do not advise on residential mortgage lending, investment products, insurance, or KiwiSaver. Any advice we provide is based on the information you give us, so accuracy and completeness matter. If your circumstances change before a loan settles, please tell us promptly.

Introducer Services

In some cases ELoanz introduces clients to lenders without making a personal recommendation. This applies where you have determined your own requirements independently, or where the nature of the engagement does not call for an adviser assessment. When we are acting as an introducer we will tell you. In that case, no financial advice has been provided, and the lender's own processes and terms govern the subsequent engagement. You remain free to seek independent advice before proceeding.

How We Work with Lenders

ELoanz submits applications to lenders on your behalf based on your requirements and financial profile. Lenders make their own independent credit decisions. We have no authority to approve or decline credit, and nothing in our engagement constitutes a pre-approval or guarantee of lending.

Not all lenders operating in New Zealand are on our panel. You may ask which lenders were considered for your application and why. If you have a preference for or against a specific lender, let us know.

Fees and Costs

Broker fee

We may charge a broker or arrangement fee depending on the type and complexity of the lending. The amount will be disclosed in writing before any commitment is made. No fee is deducted from loan proceeds without your prior agreement.

Lender fees

Lenders may charge their own fees including application, establishment, or early repayment charges. These are set by the lender and are outside our control. Review the lender's own disclosure and loan agreement carefully before signing.

Commissions and Other Benefits

ELoanz receives commission from lenders when a loan is settled. Commission is typically calculated as a percentage of the loan amount, a flat fee, or a combination, depending on the lender. Where we recommend a product, we will tell you whether commission is payable and give a reasonable estimate of the amount.

Some lenders may offer volume-based incentives. Where such arrangements are material to the advice or service provided, they will be disclosed. You may request more detailed commission information at any time.

Conflicts of Interest

Commission received from lenders creates a potential conflict of interest, as it could influence which lender or product is recommended. ELoanz manages this through:

• A multi-lender panel that prevents any single lender relationship from dominating recommendations
• An internal policy requiring that recommendations are justified on the basis of client circumstances, not remuneration
• A conflicts register reviewed as part of our compliance programme
• Disclosure to clients where a material conflict cannot be eliminated
• External compliance oversight and adviser training

If you believe a conflict has influenced the service you received, you may raise it as a complaint.

Our Duties to You

When providing financial advice, ELoanz and its advisers are required under the Financial Markets Conduct Act 2013 to:

• Give priority to your interests and ensure advice is not materially influenced by our own
• Exercise care, diligence, and skill
• Meet the competence, knowledge, and skill standards set by the Code of Professional Conduct for Financial Advice Services
• Meet standards of ethical behaviour and client care set by the same Code

Further information about these obligations is available from the Financial Markets Authority at fma.govt.nz.

Limits of Our Service

ELoanz does not provide advice on residential mortgage lending, insurance, investment products, or KiwiSaver. We do not provide legal or tax advice. Credit decisions are made solely by lenders and we cannot guarantee approval or particular terms. If your needs fall outside what we can assist with, we will tell you and suggest where to find appropriate help.

Your Responsibilities

To receive the best service from us, please provide accurate and complete information about your financial situation and the purpose of the lending you are seeking. Notify us if anything material changes before your loan settles. Read all documentation provided by ELoanz and by any lender before signing, and ask questions if anything is unclear.

Complaints

Internal process

If you have a concern about any part of our service or advice, contact us:

• Email: info@eloanz.co.nz
• In writing: Eastpoint Financial Limited, Attn: Complaints

We will acknowledge your complaint within two working days and aim to resolve it within ten working days. If more time is needed we will contact you before that period expires to explain why and give an expected timeframe.

External dispute resolution

If we cannot resolve your complaint to your satisfaction, you may contact Financial Services Complaints Limited (FSCL). This service is free of charge.

• Email: complaints@fscl.org.nz
• Phone: 0800 347 257
• Post: FSCL, PO Box 5967, Wellington 6140
• Online: fscl.org.nz

Privacy and Your Information

We collect personal information including your name, contact details, income and employment information, existing liabilities, identity documents, and information about the lending you are seeking. This information is used to assess your requirements, provide advice where applicable, submit applications to lenders, and meet our legal obligations including anti-money laundering requirements.

Your information may be shared with lenders on our panel, credit reporting agencies, and our compliance advisers. It will not be shared with unrelated third parties without your consent, except where required by law. We store information securely and restrict access to those who need it. Under the Privacy Act 2020 you may request access to or correction of information held about you by contacting info@eloanz.co.nz. Client records are retained for a minimum of seven years.

Disclaimer

Nothing in our engagement constitutes a guarantee of credit approval or of particular lending terms. Advice provided is based on information supplied by you and its quality depends on that information being accurate and complete. ELoanz is not responsible for the independent decisions of lenders. To the extent permitted by law, our liability is limited to direct loss caused by our own breach of obligations. Nothing in this statement limits your rights under the Consumer Guarantees Act 1993 or the Fair Trading Act 1986.

This disclosure is issued in accordance with the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services. The current version of this statement is available at eloanz.co.nz. You may request a printed copy at any time by contacting us.

Eastpoint Financial Limited trading as ELoanz · Company No. 9427252 · FSP1012863 · eloanz.co.nz · info@eloanz.co.nz