Terms of Service

1. Acceptance of Terms

By accessing and using FinanceAdvisers.co.nz ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

FinanceAdvisers.co.nz is a lead generation platform that:

• Connects users with qualified, licensed financial advisers in New Zealand
• Provides information about different types of financial advisers and their services
• Facilitates initial contact between users and advisers
• Does not provide financial advice directly

3. User Responsibilities

As a user of our service, you agree to:

• Provide accurate and truthful information when submitting enquiries
• Use the service for legitimate financial advice enquiries only
• Not misuse or abuse the platform or its features
• Respect the privacy and professional boundaries of advisers
• Verify the credentials and licensing of any adviser before engaging their services

4. Adviser Network

We work with licensed financial advisers who are registered with the Financial Markets Authority (FMA). However:

• We do not employ these advisers directly
• We are not responsible for the quality, accuracy, or suitability of advice provided
• Users must verify adviser credentials independently
• Any contractual relationship is between the user and the adviser directly

5. No Financial Advice

FinanceAdvisers.co.nz does not provide financial advice. All content on our website is for informational purposes only and should not be considered as:

• Personal financial advice
• Investment recommendations
• Tax advice
• Legal advice

Always seek professional advice from qualified, licensed advisers for your specific financial situation.

6. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy. By using our service, you consent to the collection and use of your information as outlined in our Privacy Policy.

7. Limitation of Liability

To the fullest extent permitted by law, FinanceAdvisers.co.nz shall not be liable for:

• Any financial losses resulting from advice received through our platform
• The quality, accuracy, or suitability of advice provided by advisers
• Any disputes between users and advisers
• Technical issues or service interruptions
• Any indirect, incidental, or consequential damages

8. Disclaimer of Warranties

The service is provided "as is" without any warranties, express or implied. We do not warrant that:

• The service will be uninterrupted or error-free
• All adviser information is current or accurate
• The service will meet your specific requirements
• Any particular adviser will be available or suitable for your needs

9. Intellectual Property

All content on FinanceAdvisers.co.nz, including text, graphics, logos, and software, is the property of FinanceAdvisers.co.nz or its content suppliers and is protected by copyright and other intellectual property laws.

10. Prohibited Uses

You may not use our service to:

• Violate any applicable laws or regulations
• Transmit spam, unsolicited communications, or fraudulent content
• Impersonate another person or entity
• Interfere with or disrupt the service or servers
• Collect user information without consent

11. Termination

We reserve the right to terminate or suspend access to our service immediately, without prior notice, for any reason, including breach of these Terms of Service.

12. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the service after changes are posted constitutes acceptance of the modified terms.

13. Governing Law

These terms shall be governed by and construed in accordance with the laws of New Zealand. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the New Zealand courts.

14. Severability

If any provision of these terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining terms shall remain in full force and effect.

15. Contact Information

If you have any questions about these Terms of Service, please contact us at: