Terms of Service

1. Acceptance of Terms

By accessing or using KiwiSaverComparison.co.nz (the "Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not accept these Terms, you should not use this Website. These Terms should be read in conjunction with our Privacy Policy and Disclosure Statement.

2. Purpose of the Website

This Website provides comparative factual information about KiwiSaver funds and managed investment funds (Portfolio Investment Entities or PIEs) in New Zealand. It is intended to help users explore fund options by providing publicly available information in a user-friendly format.

The Website does not provide personalised financial advice, product recommendations, or opinions on the suitability of any financial products for your individual circumstances.

3. No Financial Advice

Important: Nothing on this Website constitutes or should be interpreted as regulated financial advice under the Financial Markets Conduct Act 2013.

We provide factual information only, including fund performance data, fees, and fund characteristics. Under Schedule 5 of the Financial Markets Conduct Act 2013, the provision of factual information about financial products (such as costs, terms, and performance data) does not constitute regulated financial advice.

We do not:

• Make recommendations about which KiwiSaver fund or provider you should choose
• Provide opinions on the suitability of any financial product for your situation
• Offer personalised financial planning services
• Hold a Financial Advice Provider licence issued by the Financial Markets Authority

If you require financial advice that takes into account your individual circumstances, objectives, and risk tolerance, you should consult a licensed Financial Advice Provider. You can find licensed advisers through the Financial Markets Authority website.

4. Data Sources and Accuracy

We source data from public and provider platforms, including but not limited to:

• Sorted.org.nz (Smart Investor / KiwiSaver Fund Finder)
• Financial Markets Authority Disclose Register
• Fund provider websites and Product Disclosure Statements (PDS)

While we take reasonable steps to ensure information is accurate and current, we cannot guarantee its completeness or accuracy at all times. Product features, fees, performance, and eligibility rules may change without notice. You should always verify current information directly with the relevant KiwiSaver provider before making any decisions.

5. Commercial Relationships and Affiliate Disclosure

Disclosure of Commercial Interests: In accordance with the Fair Trading Act 1986, we disclose that KiwiSaverComparison.co.nz may receive referral fees, commissions, or other forms of compensation from certain KiwiSaver or fund providers.

These payments may be made when:

• Users click through to a provider's website via links on our Website
• Users sign up with a provider after being referred from our Website
• Users complete certain actions on a provider's website

These arrangements help fund the operation and improvement of this Website. The presence, placement, or ordering of any provider on this Website is not influenced by compensation received. We aim to display providers and product information in a neutral and factual manner based on objective criteria such as fees, performance, and fund size.

You are under no obligation to use any links on this Website or to select any particular provider. For more details, please see our Disclosure Statement.

6. Limitation of Liability

To the fullest extent permitted by New Zealand law:

• We are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, this Website or the information provided
• We are not liable for any investment decisions you make based on information found on this Website
• We are not liable for the accuracy, completeness, or timeliness of information provided by third-party sources
• We are not responsible for the content, practices, or privacy policies of third-party websites linked from this Website

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under New Zealand law, including under the Consumer Guarantees Act 1993 where applicable.

7. Intellectual Property

All content on this Website, including text, graphics, logos, and software, is the property of KiwiSaverComparison.co.nz or its content suppliers and is protected by New Zealand and international copyright laws. You may not reproduce, distribute, or create derivative works from this content without our express written permission.

8. User Conduct

When using this Website, you agree not to:

• Use the Website for any unlawful purpose
• Attempt to gain unauthorised access to any part of the Website
• Interfere with or disrupt the Website or servers
• Use automated systems to access the Website without permission
• Impersonate any person or entity

9. Changes to Terms

We may update these Terms from time to time. Changes will be effective when posted on this page with an updated "Last updated" date. Continued use of the Website after changes are published constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

10. Governing Law and Dispute Resolution

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

If you have a complaint about our Website or services, please contact us first at the email address below. We will try to resolve your complaint directly. If we cannot resolve the matter, you may be entitled to seek resolution through the Disputes Tribunal or the New Zealand courts.

11. Contact Us

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

Email: hello@kiwisavercomparison.co.nz