{"id":317,"date":"2026-06-25T02:14:39","date_gmt":"2026-06-25T02:14:39","guid":{"rendered":"https:\/\/cmcdeploytwo.co.nz\/pacific\/?page_id=317"},"modified":"2026-07-06T11:56:58","modified_gmt":"2026-07-05T23:56:58","slug":"disclosure-information","status":"publish","type":"page","link":"https:\/\/cmcdeploytwo.co.nz\/pacific\/disclosure-information\/","title":{"rendered":"Disclosure Information"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; column_spacing=&#8221;0px&#8221; css=&#8221;.vc_custom_1782352209285{padding-bottom: 0px !important;background-image: url(https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/white-pattern.webp?id=60) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}&#8221; wpex_bg_color=&#8221;#cce5f5&#8243; wpex_bg_position=&#8221;right center&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782352594091{padding-top: 80px !important;padding-bottom: 80px !important;}&#8221;]\n<h1><strong>Disclosure information<\/strong><\/h1>\n<p>This page contains important information about Pacific Finance Ltd, our regulatory obligations and our commitment to responsible lending and customer support.[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][\/vc_column][\/vc_row][vc_row column_spacing=&#8221;60&#8243; remove_bottom_col_margin=&#8221;true&#8221; css=&#8221;.vc_custom_1782265760732{margin-top: 50px !important;margin-bottom: 50px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221; text_align=&#8221;left&#8221;]\n<h2>Company details<\/h2>\n<p><strong>Legal entity<\/strong><br \/>\nPacific Finance Ltd<\/p>\n<p><strong>NZBN \u2013 Pacific Finance Ltd<\/strong><br \/>\n9429039892812 is Pacific Finance Ltd<\/p>\n<p><strong>Registered office<\/strong><br \/>\n2018 Great North Road<br \/>\nAvondale, Auckland<\/p>\n<p><strong>Contact details<\/strong><br \/>\nPhone: <a href=\"tel:0800 744 227\">0800 744 227<\/a><br \/>\nEmail: <a href=\"mailto:loans@pacificfinance.co.nz\">loans@pacificfinance.co.nz<\/a>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221; text_align=&#8221;left&#8221;]\n<h2>Financial service<br \/>\nprovider registration<\/h2>\n<p>Pacific Finance Ltd is registered on the New Zealand Financial Service Providers Register (FSPR).<\/p>\n<p><strong>FSP number<\/strong><br \/>\nFSP16481<\/p>\n<p>You can search the Financial Service Providers Register at:<br \/>\n<a href=\"https:\/\/www.fspr.govt.nz\">www.fspr.govt.nz<\/a><\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;top&#8221; column_spacing=&#8221;60&#8243; remove_bottom_col_margin=&#8221;true&#8221; css=&#8221;.vc_custom_1782351852420{margin-top: 50px !important;padding-top: 100px !important;padding-bottom: 50px !important;background-image: url(https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/divider2.svg?id=10) !important;background-position: 0 0 !important;background-repeat: repeat-x !important;}&#8221; wpex_bg_color=&#8221;#cce5f5&#8243; wpex_bg_position=&#8221;top center&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782353052477{margin-bottom: 40px !important;padding-top: 80px !important;}&#8221;]\n<h2><span style=\"color: #00adee;\"><strong>Dispute resolution<br \/>\nscheme<\/strong><\/span><\/h2>\n<p>Pacific Finance Ltd is a member of Financial Services Complaints Limited (FSCL), an approved independent dispute resolution scheme.<\/p>\n<p>If you have made a complaint and we have been unable to resolve the matter, you may contact FSCL.<\/p>\n<p><strong>Financial Services Complaints Limited (FSCL)<\/strong><\/p>\n<p><strong>Phone:<\/strong> <a href=\"tel:0800 347 257\">0800 347 257<\/a><br \/>\n<strong>Email:<\/strong> <a href=\"mailto:complaints@fscl.org.nz\">complaints@fscl.org.nz<\/a><br \/>\n<strong>Website:<\/strong> <a href=\"https:\/\/www.fscl.org.nz\">www.fscl.org.nz<\/a><\/p>\n<p><strong>Postal address:<\/strong><br \/>\nFinancial Services Complaints Limited<br \/>\nPO Box 5967<br \/>\nWellington 6140<\/p>\n<p>FSCL\u2019s services are free of charge.<\/p>\n<h2><\/h2>\n[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782353062411{margin-bottom: 40px !important;padding-top: 80px !important;}&#8221;]\n<h2>Responsible lending<br \/>\ncommitment<\/h2>\n<p>Pacific Finance Ltd is committed to responsible lending and treating customers fairly and respectfully.<\/p>\n<p>Before providing credit, we take reasonable steps to:<\/p>\n<ul>\n<li>understand a customer\u2019s financial situation<\/li>\n<li>assess whether repayments are likely to be affordable<\/li>\n<li>provide clear information about loan terms, fees and obligations<\/li>\n<li>support customers to make informed borrowing decisions<\/li>\n<\/ul>\n<p>We aim to communicate in a straightforward and transparent manner throughout the lending process.<\/p>\n<p>If customers experience financial difficulty, we encourage them to contact us as early as possible to discuss available support options.[\/vc_column_text][\/vc_column][\/vc_row][vc_row column_spacing=&#8221;60&#8243; remove_bottom_col_margin=&#8221;true&#8221; css=&#8221;.vc_custom_1782265760732{margin-top: 50px !important;margin-bottom: 50px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221; text_align=&#8221;left&#8221;]\n<h2>Compliance and regulatory obligations<\/h2>\n<p>Pacific Finance Ltd operates in accordance with applicable New Zealand laws and regulations, including obligations under:<\/p>\n<ul>\n<li>the Credit Contracts and Consumer Finance Act 2003 (CCCFA)<\/li>\n<li>the Privacy Act 2020<\/li>\n<li>the Anti-Money Laundering and Countering Financing of Terrorism Act 2009<\/li>\n<li>the Financial Service Providers (Registration and Dispute Resolution) Act 2008<\/li>\n<\/ul>\n<p>Pacific Finance Ltd is committed to maintaining appropriate systems, processes and procedures to support compliance with these obligations.[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782353493793{padding-bottom: 40px !important;}&#8221; text_align=&#8221;left&#8221;]\n<h2><span style=\"color: #00adee;\">Privacy and personal information<\/span><\/h2>\n<p>Pacific Finance Ltd collects, uses and stores personal information in accordance with the Privacy Act 2020.<\/p>\n<p>Further information about how we handle personal information is available in our Privacy Policy.[\/vc_column_text]<a href=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/?page_id=331\" class=\"vcex-button theme-button inline\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Privacy Policy<\/span><\/a> [\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;top&#8221; column_spacing=&#8221;60&#8243; remove_bottom_col_margin=&#8221;true&#8221; css=&#8221;.vc_custom_1782353580307{margin-top: 50px !important;padding-top: 40px !important;padding-bottom: 80px !important;background-image: url(https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/divider.svg?id=36) !important;background-position: 0 0 !important;background-repeat: repeat-x !important;}&#8221; wpex_bg_color=&#8221;#cce5f5&#8243; wpex_bg_position=&#8221;bottom center&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782353666831{margin-bottom: 40px !important;padding-top: 40px !important;}&#8221;]\n<h2><span style=\"color: #00adee;\"><strong>Complaints and<br \/>\nhardship support<\/strong><\/span><\/h2>\n<p>Customers experiencing financial hardship or wishing to make a complaint can access additional information through the links below.[\/vc_column_text]<div class=\"vcex-multi-buttons wpex-flex wpex-flex-wrap wpex-items-center wpex-gap-10 wpex-justify-start vcex-small-screen-full-width\"><a href=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/?page_id=312\" title=\"Contact\" class=\"theme-button flat outline-transparent wpex-text-center vcex-count-1\">Hardship Support<\/a><a href=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/?page_id=303\" title=\"Complaints Process\" class=\"theme-button flat outline-transparent wpex-text-center vcex-count-2\">Complaints Process<\/a><\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782353661641{margin-bottom: 80px !important;padding-top: 40px !important;}&#8221;]\n<h2><strong>Loan contracts<br \/>\nand terms<\/strong><\/h2>\n<p>Customers are provided with loan agreements, terms and conditions and relevant disclosure information as part of the lending process.<\/p>\n<p>If you require additional information, please contact our team.[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1782351731402{padding-top: 50px !important;padding-bottom: 0px !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}&#8221; wpex_bg_position=&#8221;bottom center&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1782353459441{margin-bottom: 40px !important;}&#8221; width=&#8221;80%&#8221; text_align=&#8221;center&#8221;]\n<h2><strong>Contact us<\/strong><\/h2>\n<p>If you have questions regarding this disclosure information or our services, please contact our team..[\/vc_column_text]<div class=\"vcex-multi-buttons wpex-flex wpex-flex-wrap wpex-items-center wpex-gap-10 wpex-justify-center\"><a href=\"https:\/\/cmcdeploytwo.co.nz\/pacific\/?page_id=286\" title=\"Contact\" class=\"theme-button flat outline-transparent wpex-text-center vcex-count-1\">Contact Us<\/a><a href=\"tel:O800%20744%20227\" class=\"theme-button flat outline-transparent wpex-text-center vcex-count-2\">Call O800 744 227<\/a><\/div>[\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; column_spacing=&#8221;0px&#8221; css=&#8221;.vc_custom_1782352209285{padding-bottom: 0px !important;background-image: url(https:\/\/cmcdeploytwo.co.nz\/pacific\/wp-content\/uploads\/2026\/06\/white-pattern.webp?id=60) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;}&#8221; wpex_bg_color=&#8221;#cce5f5&#8243; wpex_bg_position=&#8221;right center&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1782352594091{padding-top: 80px !important;padding-bottom: 80px !important;}&#8221;] Disclosure information This page contains important information about Pacific Finance Ltd, our regulatory 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