CB Treasure Journey
Client Service Agreement and Disclosure Statement
Regulation and Types of Services
Licensed Financial Advice Provider
CB Treasure Journey Limited is a licensed Financial Advice Provider by the New Zealand Financial Markets Authority. Under the license, CB Treasure Journey Limited can provide regulated financial advice to retail and wholesale customers on:
Investment planning services
Financial products; and
Other managed investment schemes.
Financial Services Provider Register
CB Treasure Journey Limited is registered as a financial services provider on the New Zealand Financial Services Provider Register, administered by the Ministry of Business, Innovation, and Employment, with the number FSP650749.
CB Treasure Journey Limited is registered to provide the following categories of financial services:
Financial advice services (including financial advisors)
Client Money or property service
Changing foreign currency
Keeping, investing, administering, or managing money, securities, or investment portfolios on behalf of other persons
Operating a money or value transfer service
CB Treasure Journey Limited is regulated as an Anti Money Laundering and Counter Financial Terrorism Reporting Entity to the New Zealand Financial Markets Authority.
Any complaints or problems should be directed to us (CB Treasure Journey Limited) for resolution through our internal dispute resolution process. Please contact us by email at email@example.com
, which we endeavor to get back to you within 24 hours.
If your complaint is not able to be resolved through our internal dispute resolution process, you may refer your complaint to the dispute resolution scheme operated by
Financial Dispute Resolution Scheme
Which is an approved dispute resolution scheme under the Financial Service Providers (Registration and Dispute Resolution) Act 2008. CB Treasure Journey Limited is a registered financial service provider and a member of this scheme.
Financial Dispute Resolution Scheme’s services are provided at no cost to you for free as part of New Zealand consumer protection requirements. The contact details for the scheme are:
In New Zealand: 0508 337 337
Outside of New Zealand: +64 4 910 9952
By Post at
Financial Dispute Resolution Scheme
PO Box 2272
New Zealand 6140
Most of your investments will not be taxed at source, although this depends on the specific types of investments. Therefore, you may have separate tax filing obligations in New Zealand and other countries. We do not provide tax advice and therefore recommend you to obtain independent tax advice.
All investments carry risk, and all investment decisions of an individual remain the responsibility of that individual. There is no guarantee that systems, indicators, or signals will result in profits or that they will not result in losses. We advise you to fully understand all risks associated with any kind of investing you choose to do, as you acknowledge and agree that CB Treasure will not be liable for any loss on investments you acquired through our brokerage service.
Market risk – The value of some investments moves up and down over time because of changes in market conditions. For example, if a fund invests in Australian shares and the Australian economy declines, the value of those shares might go down.
Exchange rate risk – The value of the fund currency relative to other currencies can go up and down. This affects the returns of funds that have investments denominated in foreign currencies.
Credit risk – An investment in cash, fixed interest, or derivatives may be affected if a person doesn’t pay what they owe. This could result in lower returns or the loss of some or all of the money invested by a fund.
Asset allocation risk – Returns are affected by how a fund’s assets are allocated across different types of assets. For example, the returns of a fund that has more assets in shares are expected to go up and down more than a fund that has more assets in fixed interest.
Information Collection and Your Duty to Us
We collect all information necessary to fulfill our regulatory compliance duties, including under the Anti Money Laundering and Countering Financing Terrorism Act 2009 and various other New Zealand legislation, includes:
Your identity information
Address and tax jurisdiction
Tax identification number in that jurisdiction
Source of wealth
We may collect some personal information from you to enable our tool to give you financial advice. This information will be kept in our databases and will not be sold to any third parties without your consent in compliance with the New Zealand Privacy Act.
If we have a conflict of interest, we will disclose and discuss this with you. If the conflict cannot be managed and mitigated, we reserve the right to discontinue services to you immediately.
We restrict our communication via emails, instant messaging apps, and other social media platforms. We do not send traditional mails as part of our policy.
Please do not afraid to get in touch with us at firstname.lastname@example.org