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Financial Services Provider Registration & Disputes Resolution

Registered Financial Services Provider

CarbonCo Limited (trading as CarbonCrop) is a registered Financial Services Provider. Our Financial Services Provider Number is FSP1004663.

Financial Dispute Resolution


CarbonCo Limited (trading as CarbonCrop) is committed to working fairly and openly with customers, and to the proper handling of all complaints.  CarbonCrop is a member of the Financial Dispute Resolution scheme. The scheme provides a process by which certain complaints can be dealt with, at no charge, if the resolution of the complaint is not achieved by CarbonCrop through its internal complaints scheme process. 

The process below sets out how we do so and has been designed to meet the Australia and New Zealand Standard on complaints handling – AS/NZS 10002:2014 Guidelines for Complaint Management in Organisations.

The contact details to make a complaint are: 

Mail: CarbonCrop, C/- Findex, 72 Trafalgar Street, Nelson 7010, New Zealand


CarbonCrop’s Internal Complaint Process

Our internal complaint process is as follows:

1. Recognition, acceptance and recording of a complaint.

We recognise a complaint as:

‘An expression of dissatisfaction made to or about an organisation, related to its products, services, staff or the handling of a complaint, where a response or resolution is explicitly or implicitly expected or legally required.'

Our philosophy is that any of our customers have the right to complain and should be able to easily find out about how to do so. A complaint can be made to our organisation in person, by telephone, via email or in writing.

We recognise the seriousness of complaints can vary and we treat each complaint individually. We categorise our complaints into two different levels.


A Level 1 complaint is one that we can resolve quickly (1-5 days) and without major work. For example, a customer complaining that we have incorrectly recorded their address.

A Level 2 complaint is one requiring a fuller investigation and a well-considered response. For example, a complaint that our actions have caused a financial loss to our customer.

We have a Complaints Register that we use to record customer complaints.

To the best of our ability, we capture and record information on all Level 1 complaints. We capture and record information on all Level 2 complaints.

2. Acknowledgement to our customer and explanation of our process.

We acknowledge and send confirmation of receipt of a complaint to our customer within 1-3 working days.

This acknowledgment includes an explanation of our internal complaint process and the right to refer an unresolved complaint to our independent external dispute resolution scheme - Financial Dispute Resolution Service.

Acknowledgement of a Level 1 complaint may be provided at the same time as resolution of the complaint is provided.

3. Investigation of a complaint

Once we have received a complaint and if it cannot be resolved quickly and simply, we will investigate the complaint. In doing so we treat our customers with respect and encourage them to provide us with as much information as possible about their concerns.

Once we receive that information, we consider it carefully with an aim of finding a resolution suitable to all parties. We look at as many resolution options as possible during this process.

If possible, the complaint is handled by someone in our organisation who is not a party to the complaint so that the investigation is undertaken objectively.

We have provided training in complaint handling to our staff who are responsible for complaints and they are empowered to make decisions on complaint outcomes. If needed, they are able to consult with experts in the field of complaint resolution.

Our aim is to have any complaint investigation finalised within four weeks.

4. Response to our customer

Upon completion of our investigation we contact our customer to discuss the next steps. This may include negotiating a resolution, explaining our position or suggesting alternative options our customer may be able to consider.

We also inform our customer about their right to refer the complaint to the Financial Dispute Resolution Service and provide the contact details. We are committed to fully cooperating with the Financial Dispute Resolution Service - see Point 7 for details.

5. Fees and Privacy

There is no charge to our customer for our complaint handling process or if their complaint is referred to the Financial Dispute Resolution Service.

At all times we respect our customers’ privacy and our process operates in accordance with the privacy rules.

6. Other information about our internal complaint process

We aim to communicate with our customer in a clear and understandable manner and customers are encouraged to ask questions if they are unclear on our complaint process.


Our process and the aim of reaching a resolution acceptable to all parties is fully supported by our senior management, business owners and our Board.


We know that complaints are important and we welcome them from our customers. This not only allows us to provide the service to our customer that we aspire to but to also use the complaint information as a business improvement source.

7. If we cannot resolve your complaint

If the resolution we have offered is not acceptable to the customer, they can contact our external and independent dispute resolution scheme.

We have nominated the Financial Dispute Resolution Service (FDRS) as our external dispute resolution scheme.

FDRS is approved by the Minister of Consumer Affairs to help consumers resolve complaints between financial service providers and their customers. FDRS is independent from the financial industry and its services are free to consumers.

You can contact FDRS on:

Free telephone within NZ: 0800 337 337
Overseas: +64 4 910 9952
Mail: Freepost 231075, PO Box 2272, Wellington, 6140



CarbonCo Limited is not licensed by a New Zealand regulator to provide the service of keeping, investing, administering, or managing money, securities, or investment portfolios on behalf of other persons.
CarbonCo Limited’s membership of the Financial Dispute Resolution scheme does not mean that CarbonCo is subject to active regulation or oversight by a New Zealand regulator.


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