Thrive Financial Limited provides advice to our clients and prospects, about their life and health insurance needs.

This also includes Personal, Business, Group and Rural Insurance recommendations.

Our Financial Advisers provide financial advice in relation to life and Health Insurance. We only provide financial advice about products from certain providers.

Life Insurance companies we work with:  AIA New Zealand Limited  Asteron Life Limited  Chubb Life Insurance NZ Limited  Fidelity Life Assurance Company Limited  Partners Life Limited

Health Insurance companies we work with:  AIA New Zealand Limited  Health Service Welfare Society Ltd (t/a Accuro Health Insurance)  NIB NZ Ltd Partners Life Limited.

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 any Investment policy's, KiwiSaver , existing whole of life or endowment products, so you will need to consult a specialist if you would like advice on those products, or we are happy to refer you.

Thrive Financial Limited receives commissions from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to Thrive Financial Limited.

The amount of commission is based on the amount of premium.

The commissions are between 180% and 250% of the first year premiums of your policy – the amount depends on which insurance company and which insurance policy you choose.

Thrive Financial Limited also receives a renewal commission of between 5% and 10% of the premium for each year the policy remains in force.

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 (items do not exceed $500 in value and if they do we do not accept them).

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 individual needs and circumstances.

Commission received doesn't dictate / influence placement of business.

Thrive Financial Limited, 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 http;//www.fma.govt.nz

When working with you we will be collecting personal information from you in order to deliver personalised advice which is suitable for you. This is generally personal information regarding age, health, financial situation and your instructions. In accordance with the Privacy Act 2020 you are entitled to access any such information we collect and hold on you, and also to have noted any corrections to such information. Should you require a copy of any information we hold we shall be happy to provide a full copy at our cost, but will always retain original records for legal and compliance requirements.

Any hard copy records are stored securely onsite and electronic copy's are stored on cloud based computer system .

All staff employed by Thrive Financial Limited have access to client files as required , and in addition to Thrive Financial Limited , staff other parties may access this information as required by law or for the purposes of providing specific advice to you in accordance with your instructions or our agreed Scope of Service. Those parties may include:  Insurers and other product providers whom we are considering for your needs.  Market regulators and statutory authorities  Professional compliance and audit assessors investigating our compliance and professional standards .

If you have a complaint about how we handle your personal information, you can contact the Office of the Privacy Commissioner:

PO Box 10094 The Terrace

Wellington 6143

0800 803 909

Enquiries@privacy.org.nz

This option is available in addition to utilising the Complaints Process of Cura Advisers Limited :

Thrive Financial Limited (FSP709791, Thrive) holds a licence issued by the Financial Markets Authority to provide financial advice.

Our Financial Advisers either currently hold or are all in the process of obtaining their New Zealand Certificate in Financial Services Level 5 (version 2) as a minimum requirement.

If you are not satisfied with our financial advice service, you can make a complaint by emailing admin@thrive.kiwi, or by calling 0800 234 555. You can also write to us at Thrive, 8 Manchester Square, Feilding, 4702. 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 as to whether we can resolve your complaint and how we propose to do so.

If we can’t resolve your complaint, or you aren’t satisfied with the way we propose to do so, you can contact Financial Services Complaints Limited by emailing complaints@fscl.org.nz, or by calling 0800 347 257. You can also write to them at PO Box 5967, Wellington, 6140.