Disclosure

Last Updated: 12/06/2026

Welcome to Guarded.co.nz, your trusted gateway to connecting with qualified financial advisers across New Zealand. Below, we provide a detailed explanation of our role and how we operate to ensure complete transparency for our users.

1. Our Role at Guarded.co.nz

Guarded.co.nz is an independently owned and operated New Zealand lead generation platform. We help individuals by connecting them with experienced and licensed financial advisers. Our primary goal is to introduce you to advisers who can provide the specific financial or insurance advice you’re seeking, but we do not offer financial advice ourselves.

All financial advisers we connect you with are registered on the Financial Service Providers Register (FSPR) and work under a licensed Financial Advice Provider (FAP). However, Guarded.co.nz does not influence, participate in, or endorse the advice they provide. The relationship and advice are entirely between you and the chosen adviser.

2. Our Service for Financial Guidance

At Guarded.co.nz, our involvement is focused on helping you find an adviser who can assist with your specific needs. We operate as a facilitator, introducing you to a registered adviser who is qualified to give you regulated financial advice. Whether you’re looking for advice on life insurance, income protection, mortgage protection, trauma, TPD, accidental injury, or health insurance, we strive to connect you with the right professional.

Once introduced, the adviser takes over the relationship, offering personalised recommendations and ongoing support based on your individual circumstances. Our role is limited to making that introduction and ensuring you’re connected with a trusted adviser.

3. No Direct Advice from Guarded.co.nz

The information found on Guarded.co.nz is not intended to be financial advice and should not be treated as such. All financial advice will come from the licensed adviser you are introduced to. Whether this advice is provided over the phone, through video calls, or in-person meetings, the adviser is responsible for the quality and suitability of the guidance they provide based on your needs.

4. No Hidden Costs

Our service is completely free for users. Guarded.co.nz does not charge consumers for being connected to an adviser. You can feel confident that there are no hidden fees or charges for using our platform to find the right financial professional.

5. How We Earn Revenue

Guarded.co.nz generates revenue through referral fees or commissions paid to us by the financial advisers or insurance providers that you are introduced to. This means that while you won’t pay anything to use our services, we are compensated for the introduction. The financial advisers are, in turn, compensated by commissions from the insurance companies they work with.

We encourage transparency in this process. You have the right to ask the adviser about their commission structure and how they are compensated. We also recommend requesting the adviser’s disclosure statement, which will provide further details about their qualifications and fee arrangements. This will be made available to you at no charge.

6. Adviser Relationships

While we work to connect you with reputable financial advisers, the relationship between you and the adviser is independent of Guarded.co.nz. We do not guarantee or take responsibility for the advice provided by the advisers. It is your responsibility to assess the suitability of the adviser and the advice they offer based on your needs.

7. Continuous Updates

Our services and practices may evolve over time. We will update this Disclosure page as necessary to reflect any changes. All updates will be posted here, and by continuing to use our platform, you agree to the revised terms.