These terms of use apply to newzealand-finance.nz and to everything published on it. By using the site you accept them. If you do not agree with the terms, please do not use the site.
Last updated: October 2026.
About the website
newzealand-finance.nz is an information site about personal finance in New Zealand. It is represented by the website’s owner. The site publishes guides, comparisons and calculators covering borrowing, mortgages, KiwiSaver, tax, insurance, banking, investing and household costs.
The site does not lend money, take deposits, issue insurance or arrange financial products. Any product you take out is a matter between you and the provider.
General information, not financial advice
Everything on the site is general information. It is not financial advice, and it does not take account of your objectives, financial situation or needs. The site is not a licensed financial advice provider, and nothing on it is regulated financial advice under the Financial Markets Conduct Act 2013. It is also not legal, tax or accounting advice.
Before making a financial decision, consider getting advice from a licensed financial adviser. The Financial Markets Authority explains how financial advice is regulated and how to check that an adviser or provider is licensed. For tax questions, Inland Revenue is the authoritative source.
Rates, fees and other figures
Interest rates, fees, tax thresholds, KiwiSaver settings, wage rates and eligibility criteria change frequently and differ between providers. We work to keep our guides current, but we cannot guarantee that every figure is correct, complete or up to date at the moment you read it.
Always confirm the current terms directly with the bank, lender, insurer or government agency before you act. Where our content and a provider’s own published terms differ, the provider’s terms apply.
Calculators and tools
The calculators on the site give estimates based on the figures you enter and on assumptions built into each tool. Results are a guide only. They are not a quote, an approval or an offer of finance, and your actual repayments, tax or returns may differ.
Reviews and comparisons
Our reviews and comparisons of providers and products reflect the editorial team’s assessment at the time of writing. They are opinion based on published information, not a recommendation that a product is suitable for you. Past investment performance mentioned in any guide is not a reliable indicator of future returns.
External links
The site links to banks, lenders, insurers, government agencies and other third-party websites. Some links may be referral links that earn the site a commission if you go on to use a provider. We do not control external websites and are not responsible for their content, products, availability or privacy practices.
Intellectual property
Text, graphics, calculators and other material on the site are protected by copyright under the Copyright Act 1994 and belong to the website’s owner or its licensors, unless stated otherwise. The names and logos of providers mentioned on the site belong to their respective owners.
You may read, print and share links to our content for personal, non-commercial use, and you may quote short extracts with a clear credit and a link to the source page. You may not republish, scrape or systematically copy the site’s content, or use it commercially, without written permission.
Acceptable use
When using the site you agree not to:
- interfere with its operation or security, or attempt to gain unauthorised access to it
- use automated tools to copy content in bulk or to overload the site
- use the site or its content for any unlawful or misleading purpose
Limitation of liability
The site is provided as it is and as it is available. To the fullest extent permitted by law, the website’s owner is not liable for any loss or damage arising from your use of the site or from decisions made in reliance on its content, including loss caused by errors, omissions, outdated information or the site being unavailable.
Nothing in these terms limits or excludes any rights you have under the Consumer Guarantees Act 1993, the Fair Trading Act 1986 or any other New Zealand law that cannot lawfully be limited or excluded.
Privacy and cookies
Our privacy policy explains what personal information we collect and how it is handled under the Privacy Act 2020. Our cookie policy describes the necessary cookies the site uses. How we use AI tools in producing content is covered in our AI policy.
Changes to these terms
We may update these terms from time to time. The revised version applies from the date it is published on this page, and the date at the top shows when the terms were last changed. By continuing to use the site after a change, you accept the updated terms.
Governing law
These terms are governed by the laws of New Zealand. Any dispute about the site or these terms is subject to the jurisdiction of the New Zealand courts.
Contact
If you have questions about these terms, or want to ask permission to reuse our content, please get in touch through the contact page.
