Disclosure:
It is important you understand the below information, if you have any questions at any time please contact us. We are here to help.
License details:
Road Trip Finance Limited FSP1007284 trading as Road Trip Finance holds a Class 2 Financial Advice Provider (‘FAP’) license issued by the Financial Markets Authority to provide financial advice.
Get in contact with us:
Road Trip Finance Limited (financial advice provider) FSP1007284
28 Constellation Drive
Rosedale 0632
Auckland, New Zealand
0800 112 226
Nature and Scope of Advice:
Asset Loans, Personal Loans and Debt Consolidation. Lending types are either New Lending OR Refinance.
Road Trip Finance provides services for asset loans (asset type examples include but are not limited to motor vehicle, motorbike, boat, jet ski, caravan and truck/trailer), personal loans and debt consolidation loans which may come from lenders offering loans in New Zealand, including the following:
Branded Financial Services
Oxford Finance
Finance Now
Financial Holdings Limited
Geneva Finance
Avanti Finance (Branded Financial Services)
UDC Finance
Insurance Products:
Road Trip Finance Limited does not provide financial advice on the following insurance products: Guaranteed Asset Protection, Payment Protection Insurance, Motor Vehicle Insurance OR Mechanical Breakdown Insurance. If Road Trip Finance Limited offers these products as a standalone or alongside a loan, our services are only to provide you with the product information to assist with your decision. We may assist you with the purchase of these insurance products if you decide to proceed with any of the options available. Insurance information we provide to you may come from insurers offering insurance in New Zealand, including:
Autosure Insurance
COVE Insurance
Janssen Insurance
Protecta Insurance
How we operate – our financial advice services
When we give financial advice, to ensure that our financial advisers prioritise the client’s interests above their own, we follow an internationally recognised professional advice process to ensure our suggestions are made on the basis of the client’s goals and circumstances.
Conduct:
The FAP, 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.
Remuneration:
Compensation of commission may be paid to Road Trip Finance in the event your loan settles. The commission amount varies between zero and thirty percent of the loan amount. The commission amount is influenced by the final interest rate and the final lender interest rate current at the date of loan settlement. The payment date of commissions varies by lender, and can vary between the day of loan settlement to up to 6 weeks after settlement. For insurance products the commission can also vary, from zero percent to one hundred percent of the wholesale premium price.
A document origination fee may be charged to you between zero and two thousand five hundred New Zealand dollars, and may be determined by the the value of your loan and the lender you apply with. The exact fee will be disclosed to you in your loan offer.
If we are referred your business by an existing customer, or a car dealer or mortgage broker who we have a relationship with, we may pay them a referral fee.
Conflicts of Interest – Remuneration and Incentives
Road Trip Finance Limited receives income from lenders and insurers. The level of income received depends on the lender or insurer.
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. We maintain registers of conflicts of interests, and the gifts and incentives we receive.
We take any perceived or real conflicts of interest very seriously and have a dedicated policy for dealing with such issues whereby we avoid, disclose and/or manage any conflicts so that our client’s interests are placed first and foremost.
All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme annually.
Fees and Charges:
Road Trip Finance may charge an introducer/broker fee for its services. The amount charged for our introducer/broker fee may be between zero and two thousand five hundred New Zealand dollars. The broker/introducer fee will be disclosed to you before you commit to a loan. The broker fees are normally added to your final loan amount and our non-advised service fee is normally paid to us by the lender. Our lenders on our panel may also charge a loan establishment fee which varies depending on the chosen lender. The lender may charge other fees in addition to the establishment fee and interest charges, such as monthly account fees, early termination fees and missed repayment fees. These fees vary by lender and will be shown on your lender loan contract.
We will discuss all fees, charges and any lender specific terms and conditions with you. If you don’t decide to take out a loan you will not be charged an introducer/broker fee or a lender establishment fee.
Road Trip Finance offers insurance product options. No establishment fee is payable for taking out insurance products.
Important Information Regarding UDC Finance products:
Please read all information relevant to any UDC Finance products you may be considering, you can find UDC product information here.
Information Regarding Avanti products:
Interest rates, fees, and charges: www.avantifinance.co.nz/rates-fees
Standard contract terms: www.avantifinance.co.nz/customer-documents
Complaints Handling and Dispute Resolution:
Road Trip Finance values high standards of service. If you are not satisfied with our financial advice service you can make a complaint by emailing [email protected], or by calling: 0800 112 226.
You can also write to us at:
Road Trip Finance Limited
PO Box 302196
North Harbour 0751
When making a complaint, please provide the following information:
Your name and contact details
Details of the services we provided
The nature of the complaint
Details of the employee involved
Copies of any documentation or correspondence supporting the complaint
When we receive a complaint, we will consider it following our internal complaints process:
We will consider your complaint and let you know how we intend to resolve it. We may need to contact you to get further information about your complaint.
We aim to resolve complaints within 10 working days of receiving them. If we can’t, we will contact you within that time to let you know we need more time to consider your complaint. We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so.
If our internal complaints process is unable to remedy your issue or you are not happy with our response, you can contact our approved dispute resolution scheme (free of charge), Financial Services Complaints Limited (FSCL).
Our FSCL member number is 9216
Our FSP number is 1007284
FSCL provides a free service to assist you with resolving your complaint.
Postal Address: PO Box 5967, Wellington 6140.
Phone: 0800 347 257
E-mail: [email protected]
Website: fscl.org.nz
Website Terms of Use:
This Website is proudly brought to you by Road Trip Finance Limited [NZBN 9429052037733] Trading as ‘Road Trip Finance’. [Company Number 9222440] [FSP 1007284], Road Trip Finance PTY LTD [ACN 676 038 136]
We appreciate your interest in our products and your visit to our website. These terms and conditions apply to the use of this website, including the purchase or goods or services over this website. In using this website for these (or any other) purposes, you agree to be bound by these terms and conditions. If you do not accept these terms and conditions, do not use this website. We reserve the right to amend these terms and conditions at any time and such amendment will apply upon publication on this website. These terms and conditions must be read in conjunction with any other applicable terms and conditions governing the use of this website, including our Privacy Policy which can be found on our website, or the purchase of goods or services from Road Trip Finance.
Content Ownership:
This website is owned and operated by Road Trip Finance PTY LTD [ACN 676 038 136], and may contain content that is subject to the intellectual property rights of third parties.
Product Information:
While Road Trip Finance has attempted to ensure that all information, representations, illustrations and other matters contained on this website are accurate at the time of publication, product features, specifications and pricing are subject to change without notice. The information on this website should always be read in conjunction with other materials and information available from Road Trip Finance.
To the extent permitted by law, Road Trip Finance excludes all express and implied warranties and all liability, whether direct, indirect, special or consequential, arising from negligence or otherwise relating to the use of this website, any inaccuracies and for any non-compliance by any goods or services with any representations, illustrations, specifications, product features or other information contained on this website. Where, by law, Road Trip Finance is not permitted to exclude its liability but is permitted to limit its liability, its liability will be limited to the maximum extent possible. Nothing in these terms and conditions should be taken to limit the operation of the statutory warranties implied under consumer protection laws. Road Trip Finance is not responsible for the contents of websites that are maintained by third parties and therefore waives its liability for any links from this website to other websites.
Collection and use of information:
We may collect personal information from you directly or via your use of our services in accordance with our Privacy Policy. We will only collect personal information which is reasonably necessary for, or directly related to, our functions or activities.
Information from third parties:
Our website also contains links to the websites of third party providers of goods and services (Third Party websites). If you have accessed Third Party websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties
When you access a Third Party website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.
Advertising and tracking:
When you view our advertisements on a Third Party website, the advertising company uses ‘cookies’ and in some cases ‘web beacons’ to collect information such as:
the server your computer is logged onto;
your browser type;
the date and time of your visit; and
the performance of their marketing efforts.
When you access our website after viewing one of our advertisements on a Third Party website, the advertising company collects information on how you utilise our website (e.g. which pages you view) and whether you complete an online application.
Cookies:
We use ‘cookies’ to provide you with better and more customised service and with a more effective website.
A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.
We use cookies for different purposes such as:
to allocate a unique number to your internet browsers;
to customise our website for you;
for statistical purposes;
to identify if you have accessed a Third Party Website; and
for security purposes.
IP addresses
Your IP address is the identifier for your computer when you are using the internet.
It may be necessary for us to collect your IP address for your interaction with various parts of our website.
Online quotes:
When you send a completed online quote or application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require.
You can also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online quotes that have been suspended or saved may be viewed by us.
Security of information:
The security of your information is very important to us.
We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.
We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.
If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.
We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).
Direct marketing:
We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.
We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us or from other organisations, or wish to know the source of the information being used, you may submit a request via [email protected]. We will respond to your request as soon as practicable.
Disclosure to overseas entities
We do not generally disclose personal information obtained from cookies to overseas entities in the course of our activities.
Please contact us on any of the below if you would like further information, we are alway here to help you:
Email: [email protected]
Telephone: 0800 112 226
Road Trip Finance Limited
28 Constellation Drive
Rosedale 0632
Auckland, New Zealand