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Disclosure Statement

Geargains Solutions Limited – Disclosure Statement

Geargains Solutions Limited (“Geargains”, “we”, “us”, “our”) provides the following information about our services.

1. Licensing and Financial Advice

  • We are not licensed financial advisors.
  • Our role is to assist you in obtaining funding efficiently and with minimal stress.
  • We do not provide personalized financial advice.
  • We strongly recommend consulting a licensed financial advisor for guidance specific to your circumstances.
  • Any decisions you make based on our services or information are your responsibility, and we do not accept liability for outcomes.

2. Compliance with New Zealand Law

  • We comply with the Credit Contracts and Consumer Finance Act 2003 (CCCFA).
  • We require confirmation of your income and expenditure when you apply for finance.
  • This ensures the finance options we identify are responsible and suitable for your situation.

3. Our Services and Lender Network

  • We work with a network of reputable lenders to help you find loans that suit your budget and needs.
  • Our service helps identify suitable options, but the final decision is yours.

4. Fees and Commissions

  • Fees: We do not charge fees for our services.
  • Commissions: We may receive a commission from lenders when a loan is arranged through our service.
  • Commissions do not affect the interest rate or terms offered by the lender.

5. Complaints Process

If you have a complaint, you can contact us:

In writing:
Complaints Manager
Geargains Solutions Limited
119 Udys Road, Pakuranga 2010, New Zealand

By phone: +64 21 221 1315

By email: admin@geargainssolutions.com

Process:

  1. We will acknowledge your complaint within 5 working days, including the contact details of the handler.
  2. We will provide a final response within 10 working days.
  3. Complex complaints may take longer; we will notify you in writing within 10 working days if more time is needed.

6. Contact Details

Geargains Solutions Limited
119 Udys Road, Pakuranga 2010, New Zealand
+64 21 221 1315
Email: admin@geargainssolutions.com
Website: www.geargainssolutions.com

Client Acknowledgement

  1. I have read and understood the Disclosure Statement.
  2. I understand that Geargains Solutions Limited is not a licensed financial advisor and does not provide personalized financial advice.
  3. I accept that any decisions I make based on the information provided by Geargains are solely my responsibility.
  4. I understand that I may consult a licensed financial advisor for advice specific to my circumstances.
  5. I am aware of the fees and commission arrangements outlined in the Disclosure Statement.
  6. I understand the complaints process and how to contact Geargains Solutions Limited in case of any issues.