Consumer Information

WELF (Workplace Employee Life & Financial wellness) is a structured financial education and coaching programme designed to help New Zealanders improve their financial wellbeing over time.

The programme includes:

• A Financial Wellness Questionnaire and Score
• A personalised Money Plan (budgeting tool)
• A 5-step Financial Journey with personalised coaching content
• KiwiSaver and insurance awareness tools
• Financial goals and debt tracking
• Access to Advisor sessions (where applicable)

The content provided through WELF is general financial education only. If you need personalised financial advice, we encourage you to consult a licensed financial adviser.

Your Financial Wellness Score is calculated from your responses to a six-question questionnaire based on an internationally recognised financial wellbeing framework. The score ranges from 0 to 30 and is intended as a general indicator of your financial wellbeing, not a formal financial assessment.

Your score changes when you complete the questionnaire again and your responses show a change in financial confidence or resilience. Other WELF milestones are tracked separately and do not artificially alter the score.

All financial data within WELF is entered manually by you. This includes:

• Income and expense information in the Money Plan
• KiwiSaver balance and provider details
• Emergency fund progress
• Debt balances and repayment information
• Financial goals

This data is used to personalise your programme experience, tools and progress tracking. Your Financial Wellness Score itself is calculated from the six-question questionnaire. WELF does not independently verify the accuracy of data you enter.

The WELF 5-step financial journey is based on proven personal finance principles. Each step builds on the last:

The coaching content in each Journey stage is educational in nature and references credible New Zealand sources including Sorted.org.nz and the Financial Markets Authority (FMA).

If you access WELF through your employer, your employer has engaged Super-Advice to deliver this programme as an employee benefit. In this case:

• Your employer may receive reports on your programme engagement and Financial Wellness Score
• Your specific budget figures and personal details are not shared with your employer unless you consent
• Aggregate, anonymised data may be used to report on programme outcomes

If you have questions about what data your employer receives, please contact us.

Where included in your plan, you may have access to an Advisor session with a Super-Advice Advisor. Please note:

• Advisor sessions are educational and supportive in nature
• All Super-Advice Advisors are licensed financial advisers, holding qualifications in investment and insurance advice under the Financial Markets Conduct Act 2013
• Advisors can help you understand your options, build a plan, and navigate the programme

Under New Zealand consumer law and the Privacy Act 2020, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your account and data
• Opt out of non-essential communications
• Complain to the Office of the Privacy Commissioner

To exercise any of these rights, contact us at support@super-advice.co.nz.

Super-Advice Limited
New Zealand

Email: support@super-advice.co.nz
Privacy: privacy@super-advice.co.nz