Our Trade Terms 

Sixtus Limited FSP1000768 is an authorised body of Kiwi Adviser Network Limited FSP763551 (KAN). KAN holds a licence issued by the FMA to provide financial advice services. Sixtus Limited FSP1000768 is authorised by that license to provide financial advice services.

Our office contact details:
Address: Level One/416 Broadway, Epsom 1023
Phone: 021 0516496
Email: dylan@sixtus.co.nz
Website: www.sixtus.co.nz

Our Services: Debt management (including borrowing for personal and investment purposes) 

Products we can provide financial advice about: Loans including mortgages. 

Product providers we might recommend: ASB, ANZ, BNZ, Westpac, Kiwibank, SBS, AIA (Go Home Loans), The Cooperative Bank, Unity, Southern Cross Partners, Avanti, Pepper Money, Liberty Financial, ASAP, Basecorp Finance, Bizcap, Cressida Capital, FMT, DBR, Pallas Capital.

Our fees
The actual fee charged to you will depend on the nature and scope of the advice or service we provide. We will discuss and agree on the actual fees with you before we proceed and explain how they are payable.
The following section outlines the types of fees that may apply:
● The fees charged for our advice and services may be based on a combination of:
○ A set dollar amount; OR
○ a percentage-based fee.
● Our agreed advice and service fees may include charges for:
○ Initial advice ongoing; OR
○ annual advice and services.

Other costs
Where other costs are incurred in the process of providing our advice and services to you, you will be liable for these costs.
However, we will agree on all additional costs with you prior to incurring them; OR We don’t charge our clients fees, expenses or anything else directly for the financial advice we provide.

Commissions
For services in relation to insurance/ investments/ loan products, commissions may be paid by the product provider as follows:

Initial Commission: A percentage of the value of your loan balance: 0.55% – 0.85% depending on the provider the lending is settled through.

Ongoing Commission: A percentage of the value of your outstanding loan amount, usually calculated at the end of each month in which you hold the loan products. 0.15% – 0.20% depending on the provider the lending is settled through.

Conflicts of interest or other incentives
We are here for our clients and to advise you as best we can. Your interests are our priority although we do have business relationships with product providers also.

From time to time our product providers assist us with funding so we can bring our advisers together for conferences and professional development training.
(Discounted CRM, subsidised training for advisers or other non-monetary benefits.)
(Set targets or volume-based agreements or contracts with providers)

How we manage any conflicts of interest
To ensure our advisers prioritise our clients’ interests:
● We follow an advice process that ensures our recommendations are made appropriately, based on clients’ goals and circumstances.
● All our advisers undergo annual training about how to manage conflicts of interest.
● We maintain registers of conflicts of interest and the gifts and incentives we receive. These registers are monitored regularly, and additional training is provided as required.
● We undertake an annual independent Compliance Assurance Review.

Our duties and obligations to you
We are bound by the duties of the Financial Markets Conduct Act (431I, 431K, 431L and 431M) to:
● Meet the standards of competence, knowledge, and skill set out in the Code of Conduct
● Give priority to the clients’ interest, and
● Exercise care, diligence and skill, and
● Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct.

Our Internal complaints process
If you have a problem, concern, or complaint about any part of our advice or service, please tell us so that we can try to fix the problem.
Our internal complaints manager is Dylan Thomas who can be reached via email at dylan@sixtus.co.nz or 021 0516496. Dylan Thomas will reply to you within 3 working days.
Our internal complaints handling process is as follows:

1. Acknowledge receipt of complaint within 3 working days
2. Provide resolution which may require further information to be provided
3. We aim to have all complaints resolved in 21 working days of receipt. If we think this may not be resolved within this timeframe we will updated you as soon as possible with a realistic resolution timeframe.

Our external complaints process
If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact our external disputes resolution scheme: FSCL. This service will cost you nothing, and will help us resolve any complaints.

You can contact FSCL at:
Address: PO BOX 5967, Wellington 6140
Phone number: 0800 347 257
Email address: complaints@fscl.org.nz

Privacy Policy

Introduction
Sixtus Limited (we, us, our) complies with the New Zealand Privacy Act 2020 (the Act) when dealing with personal information. Personal information is information about an identifiable individual (a natural person). This policy sets out how we will collect, use, disclose, and protect your personal information.
This policy does not limit or exclude any of your rights under the Act. If you wish to seek further information on the Act, you can contact our Privacy Officer by email at dylan@sixtus.co.nz. Or visit www.privacy.org.nz for further information.

Changes to this policy
We may change this policy by uploading a revised policy onto the website. The change will apply from the date that we upload the revised policy.

What is personal information?
Personal information is information about an identifiable individual. It includes (but is not limited to) name, address, contact details, date of birth, occupations, payment details, employment history and/or details, education and qualifications, financial information, testimonials and feedback, evidence of source of funds or source of wealth (in some cases) and other information.

Third party collection of information
Where we collect your personal information from someone other than you, we will take reasonable steps to notify you that we have collected your personal information, the purpose of the collection, the intended recipients of the information, the name and address of the agency collecting and holding the information, whether the collection is authorised or required by law and, if so, the law that authorises or requires the collection, and your right to access and request correction of that information, unless an exception applies under the Privacy Act 2020.

We will use your personal information:

• to verify your identity
• to provide services and products to you
• to market our services and products to you, including contacting you electronically (e.g. by call, text, or email for this purpose)
• to improve the services and products that we provide to you
• to respond to communications from you, including a complaint
• to protect and/or enforce our legal rights and interests, including defending any claim for any other purpose authorised by you or the Act.

Disclosing your personal information
We may disclose your personal information to:

• Other companies or individuals who assist us in providing services or who perform functions on our behalf (such as mailing houses, hosting and data storage providers, specialist consultants, and legal advisers);
• Product providers (such as but not limited to lenders and insurance companies);
• Financial advisers and financial advice providers who may use our services;
• Other companies or individuals who perform checks (such as but not limited to compliance reviews and audits) that are necessary or desirable under the law on our behalf;
• Other companies, agencies, or individuals that maintain databases against which your identity may be verified, which may include (but are not limited to) the New Zealand Department of Internal Affairs, and New Zealand Transport Agency;
• Social media sites on which we may have a presence;
• Courts, tribunals, and regulatory authorities (such as the Financial Markets Authority, and the Ministry of Justice in New Zealand);
• Office of the Ombudsman, where a complaint relates to official information;
• Any person or agency we believe could assist in responding to a serious privacy breach.
• Office of the New Zealand Privacy Commissioner, where a complaint relates to breach of the Privacy Act 2020;
• Human Rights Commission, where a complaint relates to discrimination;
• CERT NZ, where appropriate to assist with the management of a voluntarily notified privacy breach
• Overseas privacy regulator, where a complaint relates to the actions of an overseas agency; and
• Anyone else to whom you authorise us to disclose it.

Except as described above, we will not disclose your personal information without your written or oral consent, unless we are required to do so by applicable law.

Protecting your personal information
We will take reasonable steps to keep your personal information safe from loss, unauthorised activity, or other misuse. Our software is subject to audits to ensure it is continuing to meet security requirements. All data handled in our software is encrypted in transit and during storage and can only be accessed over secure network connections.

Storing your personal information
We will only retain personal information as long as it is required for the purposes for which the information may lawfully be used. All data stored online is backed up and can be retrieved in the event of data loss or corruption.

Data will sometimes be held on-premise at 11 Argo Rise, Omaha if it is provided to us outside of our software.

Accessing and correcting your personal information
Subject to certain grounds for refusal set out in the Act, you have the right to access your readily retrievable personal information that we hold and to request a correction to your personal information. Before you exercise this right, we will need evidence to confirm that you are the individual to whom the personal information relates.
In respect of a request for correction, if we think the correction is reasonable and we are reasonably able to change the personal information, we will make the correction. If we do not make the correction, we will take reasonable steps to note the personal information that you requested the correction.
If you want to exercise either of the above rights, email us at dylan@sixtus.co.nz. Your email should provide evidence of who you are and set out the details of your request (e.g. the personal information, or the correction, that you are requesting).

Data Breaches
Our Privacy Officer has processes and systems in place in the unfortunate event of a data breach. If such an event occurs, we will promptly identify, report and examine a personal data breach.

Internet use
While we take reasonable steps to maintain secure internet connections, if you provide us with personal information over the internet, the provision of that information is at your own risk.
If you follow a link on our website to another site, the owner of that site will have its own privacy policy relating to your personal information. We suggest you review that site’s privacy policy before you provide personal information.
We use cookies (an alphanumeric identifier that we transfer to your computer’s hard drive so that we can recognise your browser) to monitor your use of the website. You may disable cookies by changing the settings on your browser, although this may mean that you cannot use all of the features of the website.
We may use information about your use of our websites and other IT systems to prevent unauthorised access or attacks on our software. We may utilise services from one or more third-party suppliers to monitor the use of our systems. These third-party suppliers will have access to monitoring and logging information as well as information processed on our websites and other IT systems.