Terms of Use & Disclaimer

Terms of Use

By accessing and using moneyandlife.co.nz ("the Site"), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you should not use this website.

We reserve the right to modify these terms at any time. Continued use of the Site after changes are posted constitutes acceptance of the updated terms.

You agree to use this Site only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Site.

Financial Disclaimer

The content on this website is general information only and does not constitute personalised financial advice under the Financial Markets Conduct Act 2013. We are not licensed financial advisers. You should consider your own circumstances and seek professional advice before making financial decisions.

The information provided on this Site, including comparisons, calculators, guides, and articles, is intended to help you understand your options. It is not a recommendation to buy, sell, or hold any financial product.

We do not take into account your personal financial situation, objectives, or needs. Any decision you make based on information found on this Site is made at your own risk.

No Guarantees

While we make reasonable efforts to ensure the information on this Site is accurate and up to date, we make no warranties or representations of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information, products, or services presented.

Financial product details, interest rates, fees, and prices displayed on this Site are subject to change without notice. We recommend verifying current information directly with the relevant provider before making any financial decision.

Third-Party Links

This Site contains links to third-party websites, including financial product providers and other external services. These links are provided for your convenience and do not signify endorsement.

We have no control over the content, privacy policies, or practices of third-party sites and accept no responsibility or liability for them. You access third-party sites at your own risk.

Some links on this Site may be affiliate links, meaning we may earn a commission if you make a purchase or sign up through them. This does not affect the price you pay or our editorial independence.

Intellectual Property

All content on this Site, including text, graphics, logos, icons, and software, is the property of Money & Life NZ or its content suppliers and is protected by New Zealand and international copyright laws.

You may view, download, and print content from this Site for your personal, non-commercial use only. You may not reproduce, distribute, modify, or republish any content without our prior written consent.

Limitation of Liability

To the fullest extent permitted by New Zealand law, Money & Life NZ, its owners, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, this Site or any information contained on it.

This includes, without limitation, any loss of profits, data, or business opportunities, even if we have been advised of the possibility of such damages.

Governing Law

These Terms of Use are governed by and construed in accordance with the laws of New Zealand. Any disputes arising from or in connection with these terms or your use of this Site shall be subject to the exclusive jurisdiction of the courts of New Zealand.