Disclosure Statement

About KiwiSaverComparison.co.nz

KiwiSaverComparison.co.nz is an independent KiwiSaver information and comparison platform operated in New Zealand. Our goal is to provide factual, publicly available information about KiwiSaver providers and products to help New Zealanders better understand and compare their options.

This Disclosure Statement should be read in conjunction with our Terms of Service and Privacy Policy.

Regulatory Status - We Do Not Provide Financial Advice

KiwiSaverComparison.co.nz is not a licensed Financial Advice Provider and does not provide regulated financial advice under the Financial Markets Conduct Act 2013.

We do not:

• Provide personalised financial advice or recommendations
• Offer opinions on the suitability of any financial product for your individual circumstances
• Provide investment recommendations or financial planning services
• Hold ourselves out as financial advisers

Information on this website is provided for general information purposes only. It does not take into account your personal financial situation, goals, risk appetite, or investment objectives.

If you need personalised financial advice, you should consult a licensed Financial Advice Provider. You can find licensed advisers through the Financial Markets Authority (FMA) website.

Commercial Relationships and How We Are Compensated

Disclosure of Commercial Interests: In accordance with the Fair Trading Act 1986 and the Financial Markets Conduct Act 2013 fair dealing provisions, we disclose the following:

KiwiSaverComparison.co.nz may receive compensation from KiwiSaver providers in the following forms:

• Referral fees: One-time payments when a user signs up with a provider via our website
• Commission payments: Ongoing or one-time commissions based on user sign-ups or account activity
• Advertising fees: Payments for sponsored content or featured placements
• Affiliate links: Compensation when users click through to provider websites

These payments help fund the operation, development, and maintenance of this website. The compensation we receive may vary between providers.

You are under no obligation to click any links, use any referral methods, or select any particular provider through this website.

Data Sources and Accuracy

Information displayed on KiwiSaverComparison.co.nz is sourced from:

• KiwiSaver provider websites and official communications
• Product Disclosure Statements (PDS) filed with the FMA
• The Disclose Register maintained by the Companies Office
• Sorted.org.nz (operated by Te Ara Ahunga Ora Retirement Commission)
• Publicly available market data and fund reports

We take reasonable steps to ensure information is accurate and up-to-date. However:

• We cannot guarantee the completeness, accuracy, or timeliness of all information
• Product features, fees, returns, and terms may change without notice
• Past performance is not a reliable indicator of future returns
• Investment returns can be negative, and you may receive back less than you invested

Always verify current information directly with the relevant KiwiSaver provider and read the most recent Product Disclosure Statement before making any decisions.

Important Documents You Should Read

Before making any KiwiSaver investment decision, you should carefully read and understand the relevant provider's:

• Product Disclosure Statement (PDS): Contains detailed information about the product, investment strategy, risks, fees, and terms
• Statement of Investment Policy and Objectives (SIPO): Explains the fund's investment approach and objectives
• Fund Updates: Quarterly reports showing recent performance and portfolio holdings

These documents are available on the Disclose Register and on each provider's website.

Third-Party Content and Links

Our website may include links to third-party KiwiSaver providers and other financial institutions. KiwiSaverComparison.co.nz is not responsible for the content, accuracy, privacy practices, or terms of service of these external websites. When you leave our website via a link, the third party's terms and policies will apply.

Complaints and Regulatory Bodies

If you have a complaint about our website or services:

1. Please contact us first at hello@kiwisavercomparison.co.nz
2. We will acknowledge your complaint and work to resolve it

You may also contact the relevant regulatory bodies:

• Financial Markets Authority (FMA): www.fma.govt.nz — For concerns about financial products or services
• Commerce Commission: www.comcom.govt.nz — For concerns about misleading conduct or fair trading issues
• Office of the Privacy Commissioner: www.privacy.org.nz — For privacy-related concerns

Changes to This Disclosure Statement

We may update this Disclosure Statement from time to time. Changes will be effective when posted on this page with an updated "Last updated" date. We encourage you to review this page periodically for the latest information about our disclosures.

Contact Us

If you have any questions about this Disclosure Statement or how we operate, please contact us at:

Email: hello@kiwisavercomparison.co.nz