--- title: Disclosure Statement description: Access information on I'n'I Advise's services, compensation, conflicts of interest, and disciplinary history.. image: https://www.iniadvise.co.nz/hubfs/InI%20Advise%20Website%20-%20header%20images.png --- [Skip to content](https://www.iniadvise.co.nz/disclosure-statement#main-content) [![I'n'I Advise](https://www.iniadvise.co.nz/hs-fs/hubfs/2-1.png?width=100&height=100&name=2-1.png)](https://iniadvise.co.nz/?hsLang=en-nz) - [Our Services](https://www.iniadvise.co.nz/disclosure-statement#services) Show submenu for Our Services - [Personal Insurance](https://www.iniadvise.co.nz/personal-insurance) - [Employee Benefit Programme](https://www.iniadvise.co.nz/employee-benefits-programme) - [Organizational Solutions](https://www.iniadvise.co.nz/organisational-solutions-enquiry) - About Us Show submenu for About Us - [Our Team](https://www.iniadvise.co.nz/our-team) - [Get in touch](https://www.iniadvise.co.nz/#get-in-touch) - Information Show submenu for Information - [Disclosure Statement](https://www.iniadvise.co.nz/disclosure-statement) - [Privacy Policy](https://www.iniadvise.co.nz/privacy-policy) Open main navigation Close main navigation - [Our Services](https://www.iniadvise.co.nz/disclosure-statement#services) Show submenu for Our Services - [Personal Insurance](https://www.iniadvise.co.nz/personal-insurance) - [Employee Benefit Programme](https://www.iniadvise.co.nz/employee-benefits-programme) - [Organizational Solutions](https://www.iniadvise.co.nz/organisational-solutions-enquiry) - About Us Show submenu for About Us - [Our Team](https://www.iniadvise.co.nz/our-team) - [Get in touch](https://www.iniadvise.co.nz/#get-in-touch) - Information Show submenu for Information - [Disclosure Statement](https://www.iniadvise.co.nz/disclosure-statement) - [Privacy Policy](https://www.iniadvise.co.nz/privacy-policy) - [Contact us](https://www.iniadvise.co.nz/contact-us) [Contact us](https://www.iniadvise.co.nz/contact-us?hsLang=en-nz) ## Financial Advice Provider Disclosure Statement This Disclosure Statement was prepared on: 24th July 2024 Financial Services Provider Register Number: I ‘N’ I Advise Limited FSP775117 (Class 2) Address: 2H/5 Ceres Court, Rosedale, Auckland 0632 Phone Number: 022 320 4607 Trading Names: I ‘n’ I Advise  Email Address: [Gaurav@iniadvise.co.nz](mailto:Gaurav@iniadvise.co.nz) #### About Us I ‘N’ I Advise Limited is a limited liability company that holds agency and contractual agreements with insurance companies and product providers and owns ongoing rights to contractual income streams, enters into commercial agreements for the provision/receipt of professional business services and employs administrative and support staff. I ‘n’ I Advise holds a license issued by the Financial Markets Authority (FMA) to provide financial advice. #### Nature and Scope of our Advice I ‘n’ I Advise provides advice to our clients about life & health insurance and employee benefits. Our financial advisers provide financial advice in relation to these financial advice products. We only provide financial advice about products from certain providers: - For life insurances we work with 3 companies – AIA, Chubb, and Partners Life. - For health insurance we work with Four companies – Southern Cross, nib, AIA, Partners Life. - For KiwiSaver we only do referrals to NZ Funds and Generate. We receive $75 - $300 per referral. In providing you with financial advice, we will only consider existing term life, trauma, income protection and health insurance policies (if any). We will not provide advice on existing Whole of Life or Endowment products so you will need to consult a specialist if you would like advice on those products. #### Duties Information I ‘n’ I Advise and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. We are required to: - give priority to your interests by taking all reasonable steps to make sure our advice isn’t materially influenced by our own interests - exercise care, diligence, and skill in providing you with advice - meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice) - meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should and give you suitable advice). This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at [https://www.fma.govt.nz](https://www.fma.govt.nz).   #### Fees and Expenses We are remunerated by a percentage of commissions or fixed fee from Insurance providers. We also receive a percentage of trail commissions earned on renewed Risk policies. We do not have any performance quotas with any insurance companies or product providers. How our remuneration may vary All income is received by I ‘n’ I Advise and may vary for many reasons, including overall new business levels generated, market/consumer confidence or satisfaction, amendments to commission terms and structures by product providers or other parties, impact of competition or economic conditions on existing clients/business levels. I ‘n’ I Advise has no preferential terms (other than those readily offered to other market participants) or production performance agreements with any particular provider. I ‘n’ I Advise does not charge fees, expenses or any such amount for the financial advice provided by our Advisers to our clients unless agreed in advance. #### Conflicts of Interest that may arise I ‘n’ I Advise receives commissions from the providers on whose products our Advisers give financial advice. This commission is split between the business and the Adviser. These commissions vary from provider to provider. If you decide to take out insurance, the commissions paid will be determined by the amount of premium. From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives. To ensure that our financial advisers prioritise our clients’ interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each client’s goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We maintain registers of conflicts of interests, and the gifts and incentives we receive. I ‘n’ I Advise monitors these registers and provides additional training where necessary. I ‘n’ I Advise performs an annual review of our compliance programme. Gaurav Goodwani, Director I ‘n’ I Advise Limited [Complaints](https://www.iniadvise.co.nz/complaints?hsLang=en-nz) [facebook-f icon](https://www.facebook.com/iniadvise/) [linkedin-in icon](https://www.linkedin.com/company/i-n-i-advise) © 2026 I'n'I Advise