1. Acceptance of these Terms

By accessing or using this website, you agree to be bound by these Terms & Conditions of Use. If you do not agree with any part of these terms, you must not use this website.

2. Information-only website

This website is an information-only platform. All content is provided for general informational and educational purposes only. Nothing on this website constitutes financial, legal, tax, investment, or other professional advice.

3. No advice and no reliance

You acknowledge and agree that:

• No personalised advice or recommendations are provided
• Your personal circumstances are not considered
• You must not rely on content on this website as a substitute for professional advice

Any decisions you make, or actions you take, based on content from this website are made entirely at your own risk.

4. Content provided “as is”

All content is provided strictly on an “as is” and “as available” basis. We make no warranties or guarantees regarding the accuracy, completeness, reliability, suitability, or timeliness of the content.

5. Limitation of liability

To the maximum extent permitted by New Zealand law, we disclaim all liability for any loss, damage, cost, or expense (including indirect, consequential, or economic loss) arising from or in connection with:

• Your use of, or inability to use, this website
• Your reliance on any content or information
• Errors, omissions, or inaccuracies in content
• Any decisions or actions taken based on the website

6. Images and visual content are representative only

All images, graphics, illustrations, icons, charts, and visual representations on this website are for illustrative and representative purposes only.

Images may be stock, stylised, generated, edited, or symbolic and may not depict real people, real places, real financial situations, actual currency amounts, or real events.

We use representative visuals for practical reasons, including:

• Protecting privacy and confidentiality
• Avoiding misrepresentation of real individuals, businesses, or situations
• Keeping examples general and educational rather than personal or case-specific

You must not treat any image on this website as evidence of factual outcomes, current pricing, real-world financial results, or real locations.

7. External links

This website may include links to third-party websites for convenience or reference. We do not control, endorse, or accept responsibility for the content, accuracy, or availability of external websites.

8. Advertising, sponsorships & affiliate links

This website may display third-party advertisements, sponsored content, or affiliate links. Any interaction with third parties is solely between you and the relevant third party, and may be subject to their own terms and privacy policies.

9. Intellectual property

Unless otherwise stated, all content on this website is protected by copyright and intellectual property laws. You may view and print content for personal, non-commercial use only.

10. Website availability and security

We do not guarantee uninterrupted access, error-free operation, or that the website will be free from viruses or harmful components. Access may be suspended, restricted, or withdrawn at any time without notice.

11. Changes to these Terms

These Terms & Conditions may be updated at any time. Continued use of the website after changes are published constitutes acceptance of the updated terms.

12. Governing law

These Terms & Conditions are governed by and interpreted in accordance with the laws of New Zealand. Any disputes shall be subject to the exclusive jurisdiction of New Zealand courts.