We Are Not Financial Advisers

We are financial services management consultants. That means we provide management consulting services only to the industry and offer no financial advice. If you are looking for financial advice we recommend you seek an appropriately experienced and qualified Financial Advice Provider. 

Sometimes we write about different features or components of insurance and present them in a way which makes it easier to compare. It is not a recommendation or opinion about which product to purchase. Interpretation of insurance contracts is difficult and we recommend that you seek the advice of a licensed financial advice provider experienced in providing insurance advice. The information is intended as a guide to comparison only. Due to the risk of errors and omissions and necessary assumptions made in considering how products might operate in the future financial advisers and their clients should always refer to the actual policy documents issued by the insurer to satisfy themselves on any particular point and, where necessary, seek legal advice.

We Are Not Legal Advisers or Accountants

While we often highlight legal or financial issues for our clients we always request that you seek your own independent legal advice. Our domain is to consider the business implications, usually in the areas of marketing, strategy, and product design.

You Are Responsible for the Actions You Take

Both the content of this site and any reporting or data that we supply in the course of management consulting is not warranted to be complete or without error. You are responsible for the actions that you take and cannot claim that we are liable or partly for decisions that you make in which you have, either in whole or part, used our information. 

Our Content is Copyright

Unless otherwise stated all content on the site is the property of Chatswood Consulting Limited or Quality Product Research Limited and we own the copyright to them. If you need to know which and it is not clear from the article context please contact us.

Advisers wishing to use content are most welcome to send an email, explain what they want to use, and we will do our best to accommodate you - much of the news content we are, in fact, happy to share, provided you explain the use and seek our written permission first.

Your Copyright Content

If we have used your material and you feel that we have breached your copyright please contact us immediately and we shall do our best to remove the item, properly credit you, or send traffic to you. As creators of intellectual property we understand that you wish to protect yours.

Quoting Content

You are welcome to link to us and to quote sections from our article provided that no single quote exceeds 100 words (longer than that and you should write and ask). Please credit us with the quote noting the author, date, and including a link. Dating posts helps because things change over time and what we say on one date can be incorrect at a later date. If you use our content wholesale we reserve the right to ask you to take it down, and seek other remedies beyond that if necessary. 

If We Quote You

If we have quoted you on the site and you are in any way unhappy with how we have referenced to you please let us know. It is our intention to have a good relationship with everyone in the industry, and especially we have sympathy for those that write about the industry - we know your challenges, even if we may disagree on a viewpoint on a particular issue.

Images

In general, unless otherwise stated, images on this site are original content developed specifically by us. Usually photographs, charts, or diagrams that we have developed. As with written content, if you would like to use our images please contact us.

Unless otherwise noted images are in the nature of illustrations, rather than literal portrayals. They may have been created by merging images using image editors and may not be pictures of a real scene or item.

Our Terms

Instructions

For most work verbal or email instructions are sufficient. Written instructions may be requested where the scope of work is large, special payment arrangements are being made, or there is significant financial risk being undertaken by Chatswood Consulting Limited (Chatswood, 'we', or 'us').

Copyright and Legal

Please refer to the copyright and legal section of this website for more information on how we handle those matters. Those terms apply in addition to this page of engagement information. No change of terms is implied or accepted unless we agree with you in writing. 

You Are Responsible for the Actions You Take

Both the content of this site and any reporting or data that we supply in the course of management consulting is not warranted to be complete or without error. You are responsible for the actions that you take and cannot claim that we are liable or partly for decisions that you make in which you have, either in whole or part, used our information. 

Client Confidentiality

Confidentiality is paramount. All client work is held confidential. Unless otherwise instructed we will only ever disclose the client name and contact details of the person who has engaged Chatswood at the client organisation. From time to time it is necessary to disclose aspects of the assignment to suppliers and others who may be involved in the project. This is expected but is kept to a minimum and all suppliers are also instructed to hold client information as confidential.

We have a confidentiality document agreement available for signature if you wish.

Place of Work

We work from both our own premises, and yours, depending on the requirements of the project. We are happy to arrange meeting rooms, conference rooms, and presentation facilities where required. You are welcome to come and meet the team at 29 Enterprise Street, Birkenhead.    

Fees

• Hourly charging: the standard rate per hour plus GST is $495 for Russell Hutchinson. Clients committing to more than 10 hours work per month enjoying a reduced rate per hour of $435.

• Hourly charging: other staff. For data science consulting the standard rate is $295 per hour. For other data analysis, marketing consulting, and compliance consulting the rate is $260 an hour. For administration the rate is $130 an hour. All the rates quoted above exclude GST. 

• Subscription products: industry news and analysis, price comparison data bases (life, income protection, mortgage protection, TPD, Trauma, and medical insurance), commission comparison, data for digital advice, and industry data are all available as subscription products with discounts applicable for multiple subscriptions. Please contact us for more information. 

• Fixed Prices: For some work some clients prefer to negotiate a fixed price, but estimates are provided in all cases.

• Success fees: In some work, a combination of hourly and success based fee is appropriate, and likewise can be negotiated.

Travel and Expenses

Travel and other expenses are passed on to the client at cost. Apart from expected disbursements, we seek authorisation from the client in advance. Travel to and from your office or in relation to your work is only charged if it exceeds one hour per day. 

Invoicing and Payment

We invoice work weekly; payment is expected by the twentieth of the month following. We prefer you to directly credit payment.

Please contact us on 09 480 9535 or email Russell (Russell.Hutchinson@chatswood.co.nz) or Melissa (Melissa.Waddel@chatswood.co.nz) if you have any questions.