SK Financial Group Limited t/a SK Financial Group (FSPR: 1005116) is authorised to provide a financial advice service under a current financial advice provider licence issued by the Financial Markets Authority in the name of NZ Financial Services Group Limited (FSPR Number: 286965).
I can provide advice on Home Loan, Investment loans, Construction loans, Life Insurance, Health Insurance, Trauma Insurance, Total and Permanent Disability Insurance, Income protection, Mortgage Protection.
We can only provide advice on products from the following product providers for Home loan:
We can only provide advice on products from the following product providers for Insurance:
The lender/insurance provider usually provides me with a commission payment upon settlement of the loan or upon successful underwriting of the insurance policy.
If SK Financial Group deems to charge a fee for the engagement of services, this will be signed and agreed prior to any engagement of the services.
The commission is generally an upfront commission payment but an ongoing commission payment may also be paid by the lender/insurance provider. The upfront commission is calculated as a percentage of the loan at drawdown.
SK Financial Group may also receive a referral fee or commission payment if I refer you to our referral partners. Further information can be provided prior to engagement of this nature of service.
| Changes that trigger a clawback | Relevant time period | Amount & calculation of one-off fee |
|---|---|---|
| Your loan is fully or partially repaid or the terms materially changed. | The changes occur in the 28 month period following drawdown of your loan. | Generally no more than $3,000 (plus GST, if any). Calculated based on a rate of $250 (plus GST, if any) per hour of my time spent providing advice to you in connection with the applicable loan. The fee would not exceed the amount of commission that needs to be repaid to the lender. |
SK Financial Group will notify any potential conflict of interest prior and how this would influence the advice process, this will be outlined in the Financial Adviser's Disclosure Guide.
SK Financial Group is bound by and strongly supports the duties set out in the Financial Markets Conduct Act 2013 (FMC Act 2013). These duties are to:
If you have a complaint about my financial advice or the service I gave you, you need to tell me about it. You can contact me on the following:
I will endeavour to acknowledge receipt of this within 24 hours. I may want to meet with you to better understand your concerns or issues. I aim to provide an answer to you within 7 working days of receiving your complaint.
If we cannot agree on a resolution you can refer your complaint to our external dispute resolution service. This service is independent and will cost you nothing and will assist us to resolve things with you.
The name of this service and their contact details are:
Our commitment to protect your privacy: We understand how important it is to protect your personal information. This document sets out our privacy commitment in respect of personal information we hold about you and what we do with that information.
It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.
Our commitment in respect of personal information is to abide by the Privacy Principles set out in the Privacy Act 2020 (or any successor legislation) (the Privacy Act) and all other applicable laws. This Privacy Policy applies in addition to, and does not limit, our rights and obligations under the Privacy Act and other applicable laws.
Who are we: References in this Privacy Policy to "we", "us" and "our" means SK Financial Group Limited t/a SK Financial Group, acting through a Financial Adviser.
Your authorisation: By providing us with personal information, engaging us to provide you with services, or by using our website, you consent to the collection, use, storage and disclosure of personal information in accordance with this Privacy Policy.
Changes to our Privacy Policy: We may change our Privacy Policy from time to time, by publishing an updated version on this page, to reflect changes in the law and also our business needs so long as the changes do not disadvantage you. By continuing to engage us or use our website you will be deemed to have accepted the updated Privacy Policy.
What personal information do we collect? When we refer to personal information we mean information that identifies, or is capable of identifying, you. This includes, for example, your name, date of birth, address, contact details, account details and occupation. If you engage us to provide services to you, we may collect personal information about your financial situation or goals in order to recommend mortgage and insurance products that we are permitted to advise on (Products).
Why do we collect your personal information? We collect your personal information for the purposes of our and relevant third parties' services and relationship with you, for example: responding to your requests or inquiries; providing services to you; sending communications and direct marketing about products and services we think may be of interest to you; market research; and any other purpose authorised by you or the Privacy Act. If you do not wish to receive marketing information, you may 'opt out' at any time by notifying us.
We may also collect personal information (including credit information and health information) on behalf of the lenders, insurers and other providers of Products that you choose to apply for (Product Providers). Product Providers will have their own Privacy Policy that applies to the information that we collect on their behalf.
How do we collect your personal information? Generally we will collect your personal information directly from you, including from your use of our website, the "contact us" functionality, and conversations between you and us. We may also collect your personal information from NZ Financial Services Group Limited (NZFSG) and its related bodies corporate; credit reporting agencies; with your authorisation, banks and employers; and Product Providers.
If we collect your personal information from someone other than you, we will take reasonable steps to notify you of the collection as soon as reasonably practicable, unless an exception under the Privacy Act applies. If you provide any personal information about anyone else to us, you confirm that you have collected that personal information in accordance with the Privacy Act and that the individual concerned has authorised the disclosure and been informed of their right to access and request correction of their personal information.
Updating your personal information: We will generally rely on you to ensure the information we hold about you is accurate. If any of your details change, please let us know as soon as possible by contacting us.
Who do we disclose your personal information to? We may disclose your personal information to: NZFSG and its related bodies corporate (we share personal information with NZ Financial Services Group Limited in the course of our being a member of their financial services group, enabling us to provide our services and allowing NZFSG to meet its monitoring and oversight obligations — please note this sharing is a condition of our service); Product Providers and other prospective lenders, third parties or intermediaries in relation to your finance or insurance requirements; our referral partners; contractors or service providers; investors or entities with an interest in our business; anyone we are legally required or authorised to share your information with, including regulators and government agencies; auditors (such as NZFSG); your employer and referees, credit reporting and identity verification agencies; and any other person or entity authorised by you or the Privacy Act.
You acknowledge and agree that credit reporting agencies may hold your credit information (including default information) on their systems and use such information to provide their credit reporting services. Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that the person or organisation has a commitment to protecting your personal information at least equal to our commitment.
Do we disclose your personal information to anyone outside New Zealand? We may use cloud storage to store the personal information we hold about you, and the cloud storage and IT servers may be located outside New Zealand. We may also disclose personal information to NZFSG and its related bodies corporate, and third party suppliers and service providers located overseas, for the purposes listed above.
Our Website — Cookies and IP addresses: When you access our website, we may send a "cookie" to your computer, enabling us to recognise your computer each time you visit. We use cookies to measure traffic patterns, determine which areas of our website have been visited, analyse trends, administer the website, and gather broad demographic information to improve our website and service offering. While our cookies do not collect personal information, if you submit your name and email address, we will link that personal information with previously collected cookie information. If you do not wish to receive cookies, you can set your browser so that your computer does not accept them.
Security: As our website is linked to the internet, and the internet is inherently insecure, we cannot provide any assurance regarding the security of transmission of information you communicate to us online. Any personal information you transmit to us online is transmitted at your own risk.
Links and third party advertisements: Our website may contain links to other websites operated by third parties and may display advertisements hosted by third parties. We make no representations or warranties in relation to the privacy practices of any third party website or advertisement providers and are not responsible for their privacy policies or content.
Are you required to provide personal information to us? You are not required to provide any personal information to us, but if you choose not to it might affect our ability to provide services to you and your ability to obtain finance, insurance and other Products from Product Providers. You may choose to interact with our website anonymously, but we will not be able to contact you unless you provide your personal information.
Access and correction to your personal information: You may access and request correction of any of the personal information that we hold about you at any time by contacting us. We may charge a fee for our reasonable costs of retrieving and supplying the information to you.
Further information: If you have any questions on our Privacy Policy or your personal information please contact us.
This Privacy Policy was last updated in April 2026.