JIC Financial Group Limited（贸易名称为 JIC Insurance，FSP1003891）已在 FSPR 注册，同时也是 Link Financial Group 2022 Ltd（FSP1004590）全牌照下的授权机构。 JIC Insurance 可提供人寿和健康保险建议。一般和火灾保险将由 FG Link（贸易名称为 Insurance Link General Ltd，FSP750491）或其他业务合作伙伴处理。

Licensing Authority: Financial Market Authority (FMA)

许可证持有者：Link Financial Group 2022 Ltd

The products from insurers we can use,

• AIA New Zealand Limited
• NIB
• Chubb Life New Zealand
• Partners Life
• 南十字星

We need comply with the standard conditions from FMA, including :

• keep records of all financial advice;
• have an internal process for resolving client complaints; and
• comply with all financial markets conduct regulations, such as disclosing information to clients and reporting to regulatory authorities. We need comply with the standard conditions from FMA

Our Duties

JIC Insurance and our advisors are bound by the Financial Markets Conduct Act 2013. This requires us to:

• meet standards of competence, knowledge, and skill which are described in the Code of Professional Conduct for Financial Advice Services;
• 在出现利益冲突时，优先考虑客户的利益；
• exercise care, diligence, and skill in giving financial advice; and
• meet standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Services.

Service Charge

JIC Insurance only receive commission from insurers. We do not charge customers for providing advice, offers and other services. The commission is generally of an upfront nature and may also include a renew commission.

Interest of conflict

JIC Insurance 和我们的顾问从保险公司收取佣金。我们收取的佣金金额主要取决于客户的保费。我们在提供建议时会提供佣金详情。 由于不同保险公司的佣金不同，我们的顾问可能会面临利益冲突。为确保我们提供的建议符合客户利益，我们将

• Follow an advice process that ensures our recommendations are made appropriately, based on clients’ situations and needs.
• Require our advisors to complete mandatory training of managing interest of conflict.
• Maintain a register of conflicts of interests and any gifts and other incentives that we may receive.
• Review our compliance strategy annually.

Complaints Process

If you are not satisfied with our service or financial advice, please tell us at your earliest convenience.

华语热线 0800 542 888 in open hours 9:00 to 18:00 Mon to Fri

Email us info@jic.co.nz / admin@jic.co.nz

Write to us 261 Morrin Road, St Johns, Auckland 1072

• We will start to consider your complaint and let you know how we intend to resolve it within 3 to 7 working days.
• If this complaint cannot be resolved to your satisfaction, we will acknowledge your complaint within 7 to 10 working days. We will also provide you with our timeline to respond to you.  Then, our complaint handling officer will start further investigation and grab more information about your case. We will let you know the result based on the timeline.
• If we cannot agree on how to resolve this complaint, you can contact our external dispute resolution scheme which is FSCL,

FSCL Address: Level 4, Sybase House, 101 Lambton Quay, Wellington 6011

Postal Address: PO Box 5967 Wellington 6140

Telephone: 0800 347 257

电子邮件： info@fscl.org.nz / complaints@fscl.org.nz

Website: http://www.fscl.org.nz