Shree's Nigudkar

I am a Financial Adviser and I am giving advice on behalf of Empire Insurance Brokers Limited. Please refer to www.empireinsurance.co.nz for the primary disclosure statement.

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My details are as follows:

Name: Shree (Rajeshree) Nigudkar

Registration Number: FSP310246

Registration Date: 24 August 2013

Phone: 021 607 801

Email: shree@empireinsurance.co.nz

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For more details about my registration, please see here.

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Nature and Scope of the Advice

I will only provide you with financial advice about General Insurance, from a wide range of New Zealand based and overseas providers.When providing you with financial advice I will consider:

a) insurance products that you currently have;

b) insurance products that you don’t have;

c) your budget and/or financial position;

d) your risk appetite; and e) risk management techniques.

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If I recommend changing any insurance products you currently have, I will notify you of the important differences and benefits between them. 

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Reliability History

Neither Folio, Empire Insurance, nor I, have been subject to a reliability event. A reliability event issomething that might materially influence you in deciding whether to seek advice from me orfrom Empire Insurance.  As an example, it would include legal proceedings against me, or if I had been discharged from bankruptcy in the last four years.

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Fees, Expenses, or Other Amounts

Payable If you decide to proceed with my financial advice, and I assist in arranging insurance on your behalf, there may be a fee associated with implementing this advice. While I cannot provide an exact estimate of this fee at this moment, I will clarify and confirm it within my recommendation.

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This fee will be clearly delineated on the final invoice, which you will be required to settle by the specified due date. Alternatively, if you opt for a Premium Funding arrangement, it can be included in the monthly instalments facilitated by the Premium Funding company if such an arrangement is made.

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It's worth noting that in some cases, there may be additional fees unrelated to my financial advice, such as credit card fees. If such fees apply to your situation, I will detail them in my recommendation.

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A comprehensive breakdown of all fees will be provided in the final Disclosure information, which will accompany your invoice for your reference and transparency.

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Conflicts of Interest and Incentives

When arranging insurance, providers may pay us a commission based on the Company Premium and Natural Disaster premium (if applicable).

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Generally, commissions typically vary within the range of 10% to 30% of the company premium for the majority of insurance products, and they typically fall within the range of 5% to 10% of the Natural Disaster premium.

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The precise commission amounts will be disclosed to you once I have identified the specific insurance products and providers that I am recommending.

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Your information

The information we have discussed is documented in written form. If you would like to receive a written copy, please inform me, and I will gladly provide it.

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Complaints Handling & Dispute Resolution

Should you wish to make a complaint, in the first instance let me know, and I will try to resolve your complaint to your satisfaction.

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For more information about our internal complaints process, please refer to our Complaints and Disputes process here.