Quality Financial Entity

QFE Disclosure Statement

Name of Qualifying Financial Entity (“QFE”): Flexi Cards QFE Group (“QFE Group”, “us”, “we”, “our”)

Address: Our principal place of business is 111 Carlton Gore Road, Newmarket, Auckland 1023, New Zealand

Our postal address is Private Bag 94013, Auckland 2241, New Zealand

Telephone number: 09 525 8550

Email address: [email protected]

This Disclosure Statement was prepared on 13 August 2020

It is important that you read this document

This disclosure statement provides some important information about our QFE advisers and dispute resolution options. It should help you to make an informed decision about whether to use our QFE advisers and whether to follow the financial advice given by our QFE advisers.

The disclosures in this disclosure statement are made pursuant to section 25 of the Financial Advisers Act 2008.

Who are we

As a QFE Group, we are comprised of associated entities. Below is a brief description of the financial products issued by our associated entities:

Our advisers

Our employees who provide you with financial advice are QFE advisers. They can give you advice only in relation to financial products issued by the QFE Group. As our QFE advisers are employed by the relevant product issuer, or a related party of the relevant product issuer, advice given by our QFE advisers cannot be regarded as independent financial advice.

We take responsibility for the financial adviser services provided by our QFE advisers

Scope of advice

We do not give advice that is tailored to your particular financial circumstances.

Fees and incentives

There is no fee payable by you in connection with our financial adviser services and our advisers are not paid a commission.

Complaints

If you have a problem, concern, or complaint about any part of our service, please contact us so that we can try to fix the problem.

You may contact our internal complaints scheme:

For matters relating to Q Mastercard, call 0800 119 100.

For matters relating to Flight Centre Mastercard, call 0800 500 450. For matters relating to Farmers Mastercard, call 0800 990 077.

For matters relating to Q Card, call 0800 117 000 or 09 525 8554.

For matters relating to Farmers Card, call 0800 10 11 70 or 09 580 7250.

For matters relating to our insurance products, call 0800 855 333 or 09 525 4770.

For matters relating to humm, call 0800 189 236.

By email: [email protected]

By post: Flexi Cards QFE Group Complaints Officer, Private Bag 94013, Auckland 2241. We aim to acknowledge and resolve all complaints in a timely manner. If we cannot resolve your complaint immediately, we will advise you of this and endeavour to keep you informed of progress throughout the process. All complaints are received by our Customer Service Representatives who will endeavour to resolve your complaint in the first instance or, if this is not possible, refer your complaint to our Complaints Officer.

If we cannot agree on how to fix the issue, you can contact Financial Services Complaints Limited (“FSCL”), an external dispute resolution scheme approved by the Minister for Consumer Affairs under the Financial Service Providers (Registration and Dispute Resolution) Act 2008. This service will cost you nothing, and will help us resolve any disagreements.

You can contact FDRS:

By telephone: 0508 337 337 or 04 910 9952

By email: [email protected]

By post: Financial Dispute Resolution Services, Freepost 231075, PO Box 2272, Wellington 6140

By website: www.fdrs.org.nz

Alternatively, you may lodge a complaint or report to the Financial Markets Authority at any time by: Telephone: 04 472 9830

Fax: 04 472 8076

Post: Financial Markets Authority, PO Box 106 672 Auckland 1143

The Financial Markets Authority is also a key source of general information about financial advisers.

For more information, visit the FMA website: www.fma.govt.nz

Matters relating to grant of QFE status

The QFE Group’s grant of QFE status is subject to the Standard Conditions for QFEs. There are no individual terms and conditions for the QFE Group.

Licensed services

The QFE Group is licensed and regulated by the Financial Markets Authority for the financial adviser services we provide.

Further Information

For general information about our credit and insurance products, you may contact one of our QFE advisers:

For matters relating to Q Mastercard, call 0800 119 100.

For matters relating to Flight Centre Mastercard, call 0800 500 450. For matters relating to Farmers Mastercard, call 0800 990 077.

For matters relating to Q Card, call 0800 117 000 or 09 525 8554.

For matters relating to Farmers Card, call 0800 10 11 70 or 09 580 7250.

For matters relating to our insurance products, call 0800 855 333 or 09 525 4770.

For matters relating to humm, call 0800 189 236.

By email: [email protected]

No endorsement

Nothing in this disclosure statement is intended to imply that the Financial Markets Authority has endorsed or approved the business, financial adviser services or solvency of the QFE Group.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

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