Legal & Privacy - NextMove Property Intelligence %

Refund & Revision Policy

Our reports are custom-prepared for each order. Under the New Zealand Consumer Guarantees Act, we are committed to providing services with reasonable care and skill.

If you believe your report contains an error or does not match the agreed scope, please contact us. We will review your concerns and provide reasonable revisions at no additional cost where appropriate.

Because each report involves custom research, refunds are not provided for a change of mind once work has begun. However, if we are unable to remedy a genuine issue after revisions, we will consider an appropriate refund in line with our obligations under New Zealand consumer law.

Disclaimer

The content, reports, and materials provided by NextMove Property Intelligence are intended to provide general suburb-level market insights and educational commentary regarding property markets in New Zealand.

NextMove Property Intelligence is not providing personalised financial advice, investment advice, or legal advice. The information contained within our reports does not consider individual financial circumstances, objectives, or risk tolerance.

Property investment carries inherent risks, including market volatility, interest rate fluctuations, financing constraints, regulatory changes, and property-specific risks. Past market performance does not guarantee future outcomes.

Information contained in NextMove reports is compiled from publicly available sources, including property listing platforms, government statistics, and market research publications. While every effort is made to ensure information is accurate at the time of publication, NextMove Property Intelligence does not guarantee the accuracy or completeness of the information provided and accepts no liability for decisions made based on this information.

Readers and clients should seek independent advice from licensed financial advisers, mortgage advisers, accountants, legal professionals, or other qualified experts before making property or investment decisions.

Guardian Smith / Financial Adviser Disclosure

Guardian Smith Limited – Publicly Available Disclosure

This section sets out information required to be made publicly available under the Financial Markets Conduct Regulations 2014.

Company Name: Guardian Smith Limited FSP Number: FSP1002543 Adviser Name: Chris Thompson Adviser FSP Number: FSP1012174 Email: chris@guardiansmith.co.nz

Licensing Information

Guardian Smith Limited operates as an Authorised Body under a Financial Advice Provider licence issued by the Financial Markets Authority in the name of NZ Financial Services Group Limited (NZFSG) (FSP286965). There are no conditions attached to this licence on the advice that may be given.

Nature and Scope of Advice

Chris Thompson provides financial advice on home loans and mortgage products only. Insurance advice is not provided through this practice.

Advice is provided on products from a range of lenders, including ANZ, ASB, BNZ, Kiwibank, Westpac, SBS Bank, The Co-operative Bank, TSB, Heartland Bank, Avanti Finance, Liberty Financial Limited, Pepper Money, RESIMAC, and others. A full list of lenders is available on request.

Duties Under the Financial Markets Conduct Act 2013

Guardian Smith Limited, and anyone who gives financial advice on its behalf, has the following duties under the Financial Markets Conduct Act 2013:

Meet the standards of competence, knowledge, and skill and the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Services
Give priority to your interests
Exercise care, diligence, and skill

Fees and Expenses

Generally, no fees are charged for the financial advice provided. This is possible because, if you act on the advice given, commission is usually received from the applicable lender on settlement of your mortgage.

A fee may be charged in the following circumstances:

(a) If services are requested in relation to a product where no commission is received, any fee would be agreed and authorised by you in writing before services are completed.

(b) If a lender requires repayment of commission within 28 months of settlement of your mortgage, a fee may be charged of no more than $3,000 (plus GST) calculated at a rate of $250 (plus GST) per hour. The fee charged will not exceed the commission clawed back.

If a fee is charged, you will be invoiced and given 30 days to make payment.

Commissions and Other Incentives

If you proceed with a mortgage on the basis of financial advice received, commission is usually received from the lender on settlement. The types of payments that may be received include:

Upfront commission, calculated as a percentage of the loan at drawdown
Trail commission, calculated as a percentage of the loan outstanding over time
Fixed rate rollover fees from some lenders when assisting in refixing a loan
Referral fees

Further detail about the commissions and incentives relevant to the advice you receive, including maximum percentages, will be provided by your financial adviser during the advice process.

Conflicts of Interest

Steps are taken to ensure that conflicts of interest, including the receipt of commissions, do not influence the advice given. Advisers follow an advice process that ensures your needs and goals are understood and that recommendations meet those needs regardless of the commission type or amount received.

Advisers may attend events hosted by industry associations, product providers, and NZFSG. This potential conflict is managed by following an advice process that prioritises your interests.

Complaints

If you have a complaint about the financial advice service, please contact:

Chris Thompson Email: chris@guardiansmith.co.nz

Please set out the nature of your complaint and the resolution you are seeking. Your complaint will be acknowledged within 24 hours, recorded in the Complaints Register, and investigated with a response provided within 7 working days. If more time is needed, you will be notified.

If a resolution cannot be agreed, you may refer your complaint to the external dispute resolution service:

Financial Services Complaints Limited (FSCL) Phone: 0800 347 257 Email: complaints@fscl.org.nz

This service is free and independent.

Privacy & Confidentiality

NextMove Property Intelligence is committed to protecting the privacy of personal information in accordance with the New Zealand Privacy Act 2020, including the Privacy Amendment Act 2025.

What information we collect

We collect personal information necessary to deliver our services and operate this website. This may include your name, email address, phone number, property search preferences, and any other information you provide when purchasing a report or making an enquiry. Your information is collected and held by NextMove Property Intelligence (info@nextmoveproperty.co.nz) and, if a referral is made, by Guardian Smith Limited (chris@guardiansmith.co.nz) for the purpose of providing mortgage advice.

How we use your information

We use your information for order fulfilment, responding to enquiries, improving our services, and, where applicable, communicating relevant updates or offers. We will not use your information for unrelated purposes without your consent.

Providing your information is voluntary; however, if you do not provide the requested details, we may be unable to process your order, provide property insights, or facilitate a referral to a mortgage adviser.

Collection of information from third parties (IPP 3A)

From 1 May 2026, the Privacy Amendment Act 2025 introduced Information Privacy Principle 3A, which requires us to notify individuals when we collect their personal information indirectly — that is, from a source other than the individual themselves.

If NextMove Property receives your personal information from a third party, such as through a referral or lead submission, we will take reasonable steps to ensure you are aware of the following as soon as practicable after collection:

That your information has been collected and the purpose for which it is being collected
The name and contact details of NextMove Property Intelligence as the agency collecting and holding your information
Your right to access and request correction of your personal information
Whether the collection is required or authorised by law

Where a referring party has already provided you with this notification on our behalf, NextMove Property may rely on that notification to satisfy its obligations under IPP 3A.

Disclosure to third parties

We do not sell or disclose personal information to third parties except where necessary to provide our services — for example, payment processing or facilitating a referral you have requested — where required by law, or where you have consented. Where a referral is made to a licensed mortgage adviser, that adviser operates under their own privacy obligations and disclosure requirements under the Financial Markets Conduct Act 2019.

Storage and security

We maintain reasonable security safeguards to protect personal information from loss, misuse, and unauthorised access in accordance with our obligations under the Privacy Act 2020.

Your rights

Under the Privacy Act 2020, you have the right to request access to the personal information we hold about you and to request correction of that information if it is inaccurate, incomplete, or misleading. To make a request, contact us at info@nextmoveproperty.co.nz.

Questions or concerns

If you have concerns about how your personal information is handled, contact us directly at info@nextmoveproperty.co.nz. If your concern is not resolved to your satisfaction, you may contact the Office of the Privacy Commissioner at www.privacy.org.nz.

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