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Terms & Conditions

1. Terms of use

The use of www.moneyguard.co.nz website is subject to the following terms of use and all applicable laws. By using this website you agree to be bound by these terms of use.

2. No financial or legal advice

You understand and confirm that Money Guard Limited is not a financial adviser or a law firm and that you are not receiving any advice through this site or the Money Guard Report (“Document”).
The use of any information on this site does not create a adviser-client relationship of any kind between the user of the report and Money Guard Limited, or any employee or person associated with Money Guard Limited .
We are an Internet based publishing service providing general information. The Money Guard Report and information are designed to provide a guide for common situations and are prepared for your review as at the date of the report. This information cannot be construed as any type of advice. You should not rely on this site and associated reports and documents, without first consulting with a financial adviser in relation to your specific situation.
You agree that we are not responsible for any mistake that you make in understanding the site, information on the site, documents, agreements or user guides, completing or using Money Guard Report, or obtaining or not obtaining a professional advice in respect of Money Guard Report or its use.

3. Exclusions/limitation of liability

We make no warranties or guarantees, except for such guarantees and warranties as cannot be excluded as a matter of law, and all warranties, descriptions, representations or conditions whether implied by law, trade, custom or otherwise are hereby excluded and all liability of Money Guard Limited whether in tort, including negligence, contract or otherwise is expressly excluded to the full extent permitted by law. The guarantees implied by the Consumer Guarantees Act 1993 and the Fair Trading Act are expressly excluded where the consumer is acquiring goods or the Services for the purpose of a business. The Liability of Money Guard Limited arising from any cause whatsoever, including but not limited to any damage, loss, cost, claim or expense arising out of or relating directly or indirectly to:
  • Any information, Document, including any agreement, form or user guide purchased via this website; or
  • Your use of this website
  • Interruption, delay or impairment in the functioning, operation or availability of our website, exposure to or transmission of any computer virus, internet access difficulties in connection with our website, or malfunction in equipment or software
  • Your use of or reliance on information contained or accessed through this website
  • Any breach of your warranties stated in these terms of use.
Liability shall be limited to a refund of the cost of the Document purchased and or the resupply of a Document at the option of Money Guard Limited.

4. Governing law

These terms of use and the provision of goods and service by us are governed by and to be interpreted in accordance with the laws in force in New Zealand and in the event of any dispute arising in relation to these terms of use or their subject matter you irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of New Zealand over such dispute.

5. Your use of this website

You agree to:
  • Follow our instructions when you purchase any Document, including Money Guard Report.
  • Use any information from our website strictly in accordance with the terms of use set out below.

6. Terms of use

All agreements and documents on this site, will remain our exclusive property and are protected by copyright and other intellectual property laws.
When you purchase a Document, including Money Guard Report, you are granted a limited, non-exclusive licence to use and modify the Document for your personal use, where you, or the business you work for is a party to the intended transaction, or you are a professional advisor or consultant and one of the parties to the intended transaction is your direct client in your advisory capacity. You may not copy, modify, publish, transmit, transfer or sell, reproduce, create derivative works from, distribute, display, or in any way commercially exploit any of the content of a Document, in whole or in part other than as is expressly permitted.

6.1 Assumptions

The numbers, figures and balances in the Documents are an estimate only and are calculated based on information provided by you.
The calculation uses a number of assumptions, including some about future events such as investment returns, your stay in the workforce and level of your contribution amounts to funds. Actual performance will most likely differ to the Money Guard Report we provide you with and no particular return on investment can be promised or guaranteed. You, as an investor, should get an independent financial advice.

7. Termination of relationship

We reserve the right to terminate our agreement with you and prevent the further transmission to you, or your use of any Documents from our site, if you breach these terms and conditions.

8. Purchases & delivery

By purchasing a Document on this website you specifically acknowledge and agree that:

  • When you purchase any Document from this website these terms of use constitute the entire contract between us and you and it is expressly agreed that there are no other understandings, representations or warranties of any kind forming part of our contract with you.
  • Our website and advertising only constitute an invitation to treat. Ordering Documents constitutes an offer by you to buy in accordance with these terms of use. Our acceptance occurs and the contract is formed when the Document is delivered to you.
  • We do not guarantee that this website is free from errors or faults. We will however make our best efforts to ensure that the information available on this website is accurate. We shall be entitled at any time to correct any errors or omissions and make amendments to or add or remove Documents without notice.
  • You must satisfy yourself that any Document purchased from us is suitable for the purpose for which you require it and we are under no liability if they are not.

Documents purchased will be delivered by e-mail to the email address notified by you.

We accept no responsibility for problems you may have in making payment through a web page of our payment service provider or in downloading any Document.

We shall not be liable to you for any delay in the delivery of Documents although we will endeavour to reasonably assist you with any problems you are experiencing.

9. Electronic Communications

Whenever you use this website or send emails to us you are communicating with us electronically. This means you consent to receive communications from us electronically. We will communicate with you by email or by posting notices on this website. You agree that all agreements, notices, disclosures and other communications that we provide to electronically satisfy any legal requirements that such communications be in writing.

10. Privacy Policy

If you provide us with personal information through you use of this website, this information may be retained by us in our database. You have a right under the Privacy Act 2020 to access any personal information held about you or to request us to delete any such information. By accepting these Terms of Use you are acknowledging that you have read and accept our Privacy Policy which is on our site.

We will never sell your information to any third party or business.

11. Disclaimers

We are not responsible for ensuring that the information that you access or make available through using this website will be private or secure or free from viruses or other harmful things. We do not and cannot guarantee availability of our website and services or that there will be no interruptions or delays in relation to our website or services. This is because the availability or quality of this website may be affected by conditions beyond our control, including, for example, but not limited to network problems, human or technical error, atmospheric, geographic, or topographic conditions.

We are not responsible to you, or anyone else for any information that does not originate directly from us, any links we provide to third party sites or information at or accessible from those sites or any loss or damage arising from your use of this website. Further, we assume no responsibility for the corruption of any data or information held by us.

12. General

This Website is owned and operated by Money Guard Limited, a registered company of New Zealand (“we, us, our”).

We may transfer our obligations pursuant to this website and these terms of use to any person including a related company (as defined under the Companies Act 1993) without notice to you. If we do this then we will not be liable for any act or omission by any transferee arising in relation to these terms of use after such transfer.

Each term of these terms of use is separately binding. If for any reason any term cannot be relied on all other terms remain binding.

You acknowledge that you are not relying on any statement or representation in any form made buy us or on our behalf in relation to the suitability of any Document advertised on this website and you expressly agree not to commence any proceeding or action arising from any statement or representation not set out in these terms of use.