
IMPORTANT INFORMATION
Licence Status and Conditions
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S.AG Private & Co. Limited (FSP301946, trading as S.AG Private) holds a licence issued by the Financial Markets Authority to provide financial advice.
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Nature and Scope of the Financial Advice Given
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S.AG Private & Co. Limited provides Financial Advice and Investment Planning Services. Any financial advice provided on our behalf will take account only of the information you have given us about your particular needs, financial situation or goals.
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S.AG Private is able to provide financial advice about a wide range of investment products. Our financial advice is not limited to a specific financial provider, and encompass financial products by a wide range of providers.
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S.AG Private maintains differing levels of specialisation in the products offered, including but not limited to financial advice on investments in regard to the following:
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NZ Equities and Fixed Interest
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International Equities
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Managed Funds
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Portfolio Services
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Charges, Expenses or Other Amounts Payable for Our Financial Advice
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Our charges will be communicated in advance. For full details on applicable charges, we will provide a comprehensive summary during the client engagement process.
Conflicts of Interest and Commissions or Other Incentives
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To ensure that our financial advisers prioritise the client’s interest above their own, we follow an advice process that ensures our recommendations are made on the basis of the client’s goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake training on conflicts of interest, and a obtain regular compliance monitoring by a reputable compliance consultancy firm.
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Internal Complaints Process
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If you have a problem, concern, or complaint about any part of the financial advice you have received from us, you may contact us using any of the following means:
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in writing: Managing Director
S.AG Private & Co. Limited
PO BOX 105 198, Central Auckland
Auckland 1143
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by telephone: +64 9 972 9054
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by email: info@sagprivate.co.nz
When we receive a complaint, we will consider it following our internal complaints process:
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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.
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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.
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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.
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If we can’t resolve your complaint, or you aren’t satisfied with the way we propose to do so, you can contact our disputes resolution scheme, Financial Services Complaints Limited.
Dispute Resolution Process
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If our internal complaints process does not resolve your complaint to your satisfaction, you can contact our external independent dispute resolution scheme. This service is free and may help investigate or resolve the complaint.
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We are a member of the Financial Services Complaints Limited’s approved dispute resolution scheme. You can contact the Financial Services Complaints Limited at:
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Financial Services Complaints Limited
PO Box 5967
Wellington 6140
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Telephone: 0800 347 257 or +64 4 472 3725 (if calling outside New Zealand)
Email: complaints@fscl.org.nz
Website: http://www.fscl.org.nz/
Our Duties
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S.AG Private & Co. 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:
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give priority to your interests by taking all reasonable steps to make sure our advice isn’t materially influenced by our own interests
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exercise care, diligence, and skill in providing you with advice
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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)
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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.
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The Code of Conduct standards can be read here: https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf.
Contact Details
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S.AG Private & Co. Limited (FSP301946, trading as S.AG Private) is the Licensed Financial Advice Provider. You can contact us at:
S.AG Private & Co Limited
PO BOX 105 198, Central Auckland
Auckland 1143
(09) 972 9054
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Terms and Conditions
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This website is governed by, and is to be interpreted in accordance with New Zealand law. Any claims or disputes between you and S.AG Private concerning this website will be resolved by the New Zealand courts.​​ By using this website, you are bound by the following terms and conditions. S.AG Private reserves the right to vary these terms at any time and will become effective from the date they are published on the website.
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Unless written permission has been firstly obtained, S.AG Private does not permit other websites to link to any page on this website.​
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Advice & Recommendation
This website does not constitute financial advice and is intended to provide general information only, as it does not take into account your particular circumstances, financial situation, investment goals or insurance needs.​ You should not rely on the information contained in this website when making an investment decision or reviewing your insurance cover and we encourage you to obtain professional advice from a qualified adviser before making any financial decisions.
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Portfolio Performance​
Investments are subject to market fluctuations and may rise or fall in value; therefore S.AG Private cannot guarantee a particular rate of return or the repayment of your capital.
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Information Collected​
When you look at this website, our Internet Service Provider makes a record of your visit and logs the following information for statistical purposes:
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your server address
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your top level domain name (for example .com, .govt, .nz, etc.)
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the date and time of your visit to the site
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the pages you accessed and any documents you downloaded
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any link you clicked to get to our site
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the type of browser you are using
Cookies are packets of information that uniquely identify your computer as a visitor to our site. The website may store cookies on your PC as a result of you logging into our website in order to automatically log you back in when you return to the website in future. This option can be changed by you.
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Access to Information Collected​
We will not make an attempt to identify users or their browsing activities. However, in the unlikely event of an investigation, a law enforcement agency or other government agency may exercise its legal authority to inspect our Internet Service Provider’s logs.
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Use of Information Collected​
We will only record your e-mail address if you send us a message, or fill in an on-line form. Your email address will not be made available to anyone else without your consent. You may be added to a mailing list, and we may, from time to time, communicate to you special offers or pertinent news. You will always be given the option to unsubscribe from future emails. This site does not provide facilities for the secure transmission of information across the Internet. Users should be aware that there are inherent risks transmitting information across the Internet.
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Privacy Policy
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At S.AG Private & Co. Limited, we respect the privacy of the people we deal with and we uphold high standards of privacy practice and security. This policy explains how we handle and manage personal information we collect or hold about you. Whenever we handle personal information, we take steps to ensure that appropriate standards of privacy practice and security are applied.
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We comply with the New Zealand Privacy Act 2020.
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In this policy, “you” and “your” refers to any visitor to our website. The terms “we”, “us” and “our” refer to S.AG Private & Co. Limited.
What personal information we collect, why and what we use it for​
For most services, it is necessary for us to collect ‘personal information’ (including, without limitation, your name, identity details, photo identification, contact details, transaction information, gender, marital status, financial information, information about entities that are associated with you and information about your employment). The purposes for which we usually collect and use personal information depends on the nature of your interaction with us, but may include:
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to assess and process your account applications;
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to open, administer and operate your account;
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to conduct credit, verification and security checks;
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to provide you products or services or information about our products and services;
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to consider applications and approaches you make to us and carry out your instructions;
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to further our relationship with you, including for our own marketing purposes;
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to maintain your contact details;
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to effect transactions such as the purchase and sale and securities in your name;
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to develop risk assessments and related analytical tools or for our internal research, development and optimisation of our services;
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to fulfil our obligations under applicable laws including, without limitation, laws relating to Anti-Money Laundering and Countering Financing of Terrorism and tax;
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to communicate with you about your account application, your complaints or enquiries and any product or service we provide;
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to provide you with access to our website; and
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for the purposes and uses described in any applicable terms and conditions
We may also de-identify your information for our own purposes including market research and fraud mitigation.
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If you do not provide the information, we may not be able to provide products and services to you.
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Who we collect personal information from​
We collect personal information about you directly from you – this can be in person, in documents you give us, from telephone calls, emails, or from transactions you make.
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We may also collect your personal information from third parties, including public sources, your adviser(s), employers (or their affiliates), agents, referrers, brokers, our related companies and service providers (including credit reporting bodies and information service providers).
When you visit our website, we use automated tools and methods to collect information about your visit.
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How we hold personal information and keep it secure​
We store information in physical and electronic records, at our premises and the premises of our service providers, which may include storage on the cloud. We take reasonable steps and security safeguards to protect personal information against loss, unauthorised use or other misuse.
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We maintain security procedures and technology (including internal policies, auditing, training and monitoring of staff) to protect any personal information we hold from any misuse or unlawful disclosure.
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Any organisations that provide us with support services are required to appropriately safeguard the privacy of any personal information provided to them.
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Where the personal information we collect is no longer required, we delete the information or permanently deidentify it in accordance with relevant laws and our records management policy.
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Using and sharing your personal information​
We may use your personal information for any of the purposes described above.
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We may share your personal information with relevant stakeholders within our organisations and:
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any external service providers who provide services in connection with our services, including suppliers of administrative services;
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any platform provider we appoint (including the Custodian), any trading participant that we appoint to facilitate trades on our behalf (acting as your agent) or any other person (including without limitation any agent of the above) for the purposes of or in connection with providing you our products and services;
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credit reference agencies or service providers to ensure your suitability as a client, to obtain a personal credit and fraud check, to exchange credit information about you or for electronic identity verification;
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the Financial Markets Authority, Inland Revenue or any New Zealand or overseas financial market operator, law enforcement agency or regulatory body as required under applicable laws or where we believe the information will help prevent fraud, money laundering or other crimes;
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any financial institution or bank, where required, for the purposes of setting up and administering an account or for the purposes of fulfilling tax obligations;
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any reputable companies or organisations with whom we have a continuing relationship for the purposes listed in this Privacy Policy;
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market research companies to advise you of other services or conduct client surveys on our behalf;
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any party proposing to acquire a controlling or material interest in S.AG Private & Co. Limited to the extent that such personal information is required for the transaction; and
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any other party you authorise.
While we may share personal information with companies that we do business with, we do not sell personal information for marketing purposes to other organisations or allow such companies to do this.
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Disclosure of information overseas​
We work with service providers, financial market operators, regulatory bodies and other entities overseas. It is likely that your personal information will be disclosed to overseas recipients in other countries, including in Australia.
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When we share personal information with parties who operate outside of New Zealand, we take steps to protect personal information against misuse or loss. Unless we have your consent or an exception under the New Zealand Privacy Act 2020 applies, we will only disclose your personal information to overseas recipients where we have taken reasonable steps to ensure that the overseas recipient does not breach the New Zealand Privacy Act 2020 in relation to your personal information.
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How you can access or seek correction of your information​
You may request to access, and request corrections to, any of your personal information we hold.
We will endeavour to give you full access or make the requested corrections to your personal information.
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However, there may be some legal or administrative reasons to deny these requests. If your request is denied, we will provide you with reasons why, if possible.
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Where we decide not to make a requested correction to your personal information, you may ask us to attach a statement of your requested correction to the information.
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Where you give us information about others​
If you give us personal information about someone else, you must ensure that you have their consent to do so (including their consent to us contacting them), so that, without us taking any further steps required by applicable privacy laws, we may collect, use and disclose such information for the purposes we have described in this Privacy Policy. This means you must take reasonable steps when providing personal information so that the individual concerned is aware of and consents to this Privacy Policy, including that:
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their personal information is being collected;
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the purposes for which that information is being collected;
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the intended recipients of that information;
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the individual’s right to obtain access to and correct that information; and
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our identity, and how to contact us.
Our website and client portal​
By using our website, you consent to our collecting, storing, using and disclosing your personal information in the manner described in this Privacy Policy.
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When you visit our website, you will browse anonymously unless you have logged into a client portal or accessed the website from a personalised communication from us (in which case we may be able to identify you).
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For all visitors to our website, we use cookies to collect anonymous information, such as the server your computer is logged on to, your web browser and your IP address. We may also derive a visitor’s location from an IP address.
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If you would prefer not to be identified, you can delete the cookies and reconfigure the cookie preferences on your web browser.
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Cookies​
A ‘cookie’ is a packet of information placed on a user’s computer by a website for record keeping purposes. While cookies are not considered personal information, they are generally used on sites to:
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access online services (authorising access and saving preferences);
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monitor web traffic (such as time of visit, pages visited and user computer system information); and
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monitor use of a website
If you log into a client portal, access our website from a personalised communication or provide us with personal information by completing a form online, we may use cookies to collect personal information about you. You can configure your web browser to accept all cookies, reject all cookies, or notify you when a cookie is sent. Each web browser is different, so check the Help menu of your web browser to learn how to change your cookie preferences. If you disable the use of cookies on your web browser or remove or reject specific cookies from our website or linked sites, then you may not be able to gain access to all of the content and facilities on those websites.
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Contact us​
If you have any questions or complaints regarding privacy or information handling, please contact us at:
The Privacy Officer
S.AG Private & Co. Limited
PO Box 105 198
Auckland 1143
New Zealand
Email: info@sagprivate.co.nz
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We will respond to let you know who will be handling your matter and when you can expect a further response.
If your concerns are not resolved to your satisfaction, you may be able to escalate your complaint to an external dispute resolution scheme or to a regulatory authority. We can provide details of the appropriate scheme or regulator for you.​​​​