Bowden Group Referral Programme

Terms and Conditions Last updated: 23 July 2026

1. About this programme

The Bowden Group Referral Programme ("the Programme") rewards existing clients, and close family and friends of Bowden Group, who refer new clients to Bowden Group for mortgage or insurance advice. These terms explain how the Programme works and what's expected of participants.

2. Eligibility

2.1. Open to existing Bowden Group clients, as well as close family and friends of Bowden Group who are not themselves existing clients.

2.2. The person you refer must be new to Bowden Group. Referrals of existing or former Bowden Group clients do not qualify.

2.3. You cannot refer yourself.

2.4. You must have the consent of the person you're referring to pass on their details to Bowden Group and for them to be contacted, before you submit a referral. See Section 8 (Privacy) below.

2.5. You must not provide any financial or lending advice to the person you refer. Any advice, guidance, or product information must come solely from a licensed adviser at Bowden Group.

2.6. Bowden Group may decline to count a referral, or a meeting arising from one, toward a reward if it reasonably believes the referral or meeting was not made in good faith, or was arranged solely to obtain a reward.

3. What counts as a valid referral

A referral becomes valid, and a reward is earned, once the referred person attends an initial meeting with a Bowden Group adviser. The referred person does not need to take out a loan or policy, or become an ongoing client, for the referral to qualify.

Each referred person counts as one referral, no matter how many services they later take up, or whether they proceed with any advice given. If the same person is referred by more than one person, the reward is given to whoever referred them first.

Referral credit is not transferable along a chain. If a person you referred goes on to refer someone else, that new referral counts toward the person who made it, not toward you.

4. Reward tiers

Rewards are cumulative across the life of the Programme, based on the total number of valid referrals from a single client:

4.1. 1 referral: a $50 Prezzy Card.

4.2. 3 referrals: a Champagne Gift Hamper (Veuve Clicquot Champagne, Whittaker's chocolate, and gourmet nibbles), valued at $199.

4.3. 5 referrals: Sony WH-1000XM5 Wireless Noise Cancelling Headphones, valued at $498.

4.4. 10 referrals: a KitchenAid Artisan Stand Mixer or a Garmin Forerunner 570 sports watch (recipient's choice), valued at over $1,000.

Reward values and items may be substituted for an item of equivalent or greater value if a specific product becomes unavailable.

Receiving a reward does not cost you or the person you refer anything. Rewards are paid for entirely by Bowden Group.

5. How to submit a referral

5.1. Reply to a Bowden Group referral email or communication with the referred person's name and contact details.

5.2. Message or call your Bowden Group adviser directly with the referred person's details.

5.3. Submit the referral via the Refer to a Friend function under the My Adviser tab in Bluemint, if you have an active login.

5.4. The referred person is also welcome to contact Bowden Group directly, provided they mention who referred them so the referral can be correctly credited.

6. Reward timing

Rewards are issued after Bowden Group has confirmed the referred person has attended an initial meeting with a Bowden Group adviser. Please allow up to 4 weeks for a reward to be arranged and delivered following confirmation.

Bowden Group is not liable for any delay in arranging or delivering a reward caused by circumstances beyond its reasonable control, including supplier or courier delays.

7. Liability

Reward items are used entirely at the recipient's own risk. Bowden Group is not liable for any loss, damage, or injury arising from the use of a reward once received. Any manufacturer warranty or guarantee for a reward item is between the recipient and the manufacturer or retailer, not Bowden Group.

8. Privacy

By submitting a referral, you confirm that the person you are referring is aware their name and contact details have been shared with Bowden Group, and that they have consented to being contacted about Bowden Group's services. Bowden Group handles personal information in accordance with the Privacy Act 2020 and its Privacy Policy, available at bowdengroup.co.nz.

Personal information collected through a referral is used only to make contact and assess a potential client relationship. If the referred person does not proceed to become a client, their details will be retained only as long as reasonably necessary and then deleted, in line with Bowden Group's standard data retention practices.

Under the Privacy Act 2020, you and the person you refer have the right to access and request correction of the personal information Bowden Group holds about you.

9. Advice and conduct

9.1. Rewards under this Programme are given for making a referral, not for the outcome or content of any financial advice provided. A reward is given once an initial meeting takes place, regardless of whether the referred person goes on to take up any product or service.

9.2. Participation in the Programme does not influence, and is not intended to influence, the advice given to you or to the person you refer.

9.3. This Programme does not constitute a recommendation or guarantee regarding the suitability of any financial product for the referred person.

9.4. A referral does not obligate the referred person to engage Bowden Group's services, and does not guarantee they will be provided advice, accepted as a client, or approved for any product.

9.5. Nothing in this Programme or these terms constitutes financial advice. Any advice given to a referred person will be provided separately, in accordance with Bowden Group's standard advice process and disclosure obligations.

9.6. Bowden Group is committed to complying with the Financial Markets Conduct Act 2013 (as amended by the Financial Services Legislation Amendment Act 2019) and its duty to give priority to client interests.

10. Tax

Rewards provided under this Programme may have tax implications for the recipient. Bowden Group does not provide tax advice; if you have questions about a reward you receive, please seek independent tax advice.

11. Record keeping

Bowden Group will keep a record of all referrals submitted and rewards issued under this Programme, including the referrer, the referred person, the date, and the reward provided, for the duration of the Programme and as otherwise required by law.

12. Complaints and disputes

If you have a complaint about how this Programme has been administered, please contact Bowden Group in the first instance at hello@bowdengroup.co.nz. Complaints relating to financial advice provided to you or a referred person are handled under Bowden Group's standard complaints process, as set out in Bowden Group's Disclosure Statement, available at bowdengroup.co.nz/disclosurescomplaints.

If a complaint cannot be resolved directly, you may contact Financial Services Complaints Limited (FSCL), Bowden Group's independent dispute resolution scheme, at fscl.org.nz or on 0800 347 257.

13. General terms

13.1. Bowden Group may amend, suspend, or withdraw this Programme, including reward values, at any time and without prior notice.

13.2. Rewards are not transferable and cannot be exchanged for cash unless otherwise stated.

13.3. Bowden Group reserves the right to verify the eligibility of any referral, and to withhold or withdraw a reward, if it reasonably believes these terms have been breached or the Programme has been manipulated.

13.4. Bowden Group's decision on the validity of any referral or reward is final.

13.5. These terms are governed by the laws of New Zealand.

14. Questions

If you have any questions about the Programme or these terms, please contact Bowden Group at hello@bowdengroup.co.nz.

Bowden Group (FSP723651) is licensed by the Financial Markets Authority to provide financial advice services. bowdengroup.co.nz