Carina Capital

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Important information

Terms of Use

Carina Capital Limited (“Carina”), through its principal and managing director Paul Richardson, offers a specialised investment service that is confined to long term strategic asset allocation to approved investors. Carina does not provide personalised advice to retail clients. All material on this website is for informational purposes only and is not a solicitation of any offer to buy or sell any financial instrument or to participate in any trading strategy. Unless otherwise stated, the material presented on this site is not a research report as defined under ASIC guidance. These Terms of Use apply to all visitors of this site. By accessing the Carina website, you agree to be legally bound by these Terms of Use.

The purpose of this website is to provide a general insight and outline of the activities of Carina. Your access to this website is conditional upon your acceptance and compliance with the terms, conditions and disclaimers and your use of, and/or access to this website constitutes your agreement to these terms of use. The information on this site is subject to change without notice. While every effort has been made to ensure the accuracy of information contained on this website, neither Carina and associated directors and officers or any other party makes any representations as to, and takes no responsibility arising in any way (including negligence) for errors in, or omissions from, the information contained on this website. To the full extent permitted by law, Carina makes no warranties in respect to the information on this site and disclaims all liability that may arise due to any information contained on this website being inaccurate, unreliable or incomplete. Unauthorised use of Carina’s website and systems, misuse of passwords or misuse of any other information, is strictly prohibited. You may not use this website in any manner that could damage, disable, overburden, or impair Carina’s website, or interfere with any other party’s use and enjoyment of the Carina website. You may not attempt to gain unauthorised access to the Carina site, computer systems or networks connected to the Carina site, through hacking, password mining or any other means. By use of this site and the terms set forth, you agree that you will not engage in any activities related to this website that are contrary to applicable laws or regulations.

All information and materials published, distributed or otherwise made available on this website are provided for informational purposes, for your non-commercial, personal use only. No information or materials published on this website constitutes advice, an invitation, an offer, a solicitation or a recommendation to buy or sell any financial product or investment instruments, or to engage in any investment activity, or an offer of any financial service. Carina does not provide financial, investment, legal or tax advice through this website and nothing herein should be construed as being financial, investment, legal, tax or other advice. Carina does not represent that any financial products, securities or services discussed are suitable for any investor. No investment or other decisions should be made solely based on the contents or information found on this website. When making a decision about your investments, you should seek the advice of a professional financial advisor or qualified expert.

Copyright of the information on this site is owned by Carina or the information is used with the permission of the copyright owner. Other than for the purpose of or subject to the conditions prescribed under the New Zealand Copyright Act 1994 (or any other applicable legislation throughout the world), or as otherwise provided for in this copyright notice, no part of any of the information may in any form or by any means (including electronic, mechanical, microcopying, photocopying or recording) be reproduced, adapted, stored in a retrieval system or transmitted without the prior written permission of the copyright owner.


Investment Advice

All material on this website has been prepared by Carina Capital Limited (“Carina”). The Principal and owner of Carina, Paul Robin Richardson, is an Authorised Financial Adviser (AFA), FSP no. 113965, authorised by the New Zealand Financial Markets Authority (FMA) and registered on the New Zealand Financial Services Providers Register. Paul is authorised to provide financial adviser services to wholesale clients, as defined under the Financial Advisers Act 2008, and to provide class services, i.e. recommendations on investment asset classes such as bonds and shares, to all clients. The FMA (Financial Markets Authority) provides investors with independent information and resources about getting financial and investment advice, which we recommend all investors look at.  Click here.


Privacy Policy

Carina Capital Limited is committed to safeguarding the personal information that we receive. Carina will collect, hold, use and disclose personal information in accordance with the New Zealand Privacy Act 1993 and the Australian Privacy Principles (“APPs”) and the Privacy Act 1988 (Australia). By continuing to use this website you consent to our collection, storage, use and disclosure of your personal information in the manner set out in this privacy policy.

Carina may collect personal information for the purpose of providing financial products or services from the client (including their staff and representatives). This information includes, but is not limited to, name, date of birth, contact details, gender, Tax File Number, country of residence, investment information and bank account information. This information is collected to facilitate the provision of a service or product by Carina and to comply with local and international laws, for example anti-money laundering and counter terrorism financing laws. We collect this information directly from the client (or their staff and representatives) and not from third parties. Carina may also collect personal information from people we do business with in order to fulfil the relevant business purpose. This will usually happen when we collect the name and business contact details of a person who is an adviser, supplier or other business contact. We collect this information to facilitate the relevant business purpose. Carina may also collect personal information from people who send us correspondence. Information collected includes name and contact details. We collect this information to deal with correspondence. We collect this information directly from the relevant individuals and not from third parties.

We will not collect information of a sensitive or personal nature that is not required for Carina to provide a financial service (for example information on health, race, religion etc). We will take reasonable steps to ensure that any identifiable personal information that we have collected is stored securely. The measures utilised include password protection to our systems, restricting access to our systems and education of staff.

You may request access to , or correction of , the information we hold about you in writing to us, or by telephoning us on +64 27 2273237.

We reserve the right, at our discretion, to alter this privacy policy at any time. Changes to this privacy policy will take effect immediately once they are published on this website.