Website terms of use

Kiwinest Financial Limited (company no. 9407938) owns and runs this website. By using it, you agree to these terms. We may change them at any time, and changes apply from when they're posted here.

1. General information, not personal advice

The content and calculators on this website are general information only. They don't take your personal circumstances into account and aren't a substitute for personalised financial advice. Please talk to us, or another qualified financial adviser, before making financial decisions.

2. Disclosure

Before we give you advice, we'll give you our disclosure information. It explains our licence, the services we provide, how we're paid and how to complain. You can read it any time on our disclosure page.

3. Accuracy

We work hard to keep this website accurate and up to date, but we make no promises about the accuracy, completeness or suitability of its content. Interest rates, lending rules and product details change often, so some information may be out of date. Past results don't guarantee future results.

4. Liability

To the full extent the law allows, Kiwinest Financial Limited and its directors, advisers and contractors aren't liable for any loss arising from your use of, or reliance on, this website. Nothing in these terms limits your rights under the Consumer Guarantees Act 1993, the Fair Trading Act 1986 or any other law that can't be excluded.

5. Links to other websites

We may link to other websites, such as lenders, insurers or government agencies. We don't control those sites and aren't responsible for their content or privacy practices. A link doesn't mean we endorse them.

6. Website availability and security

We aim to keep this website available and secure, but we can't guarantee it will always be available or free of errors or viruses. Please use up-to-date security software.

7. Intellectual property

Everything on this website, including the KiwiNest name and logo, belongs to Kiwinest Financial Limited unless stated otherwise. Lender and insurer logos belong to their owners and are used with permission. You can view and print content for your own personal, non-commercial use.

8. Privacy and cookies

Our privacy policy explains how we handle your personal information and how this website uses cookies.

9. New Zealand law

This website is intended for people in New Zealand. These terms are governed by New Zealand law, and New Zealand courts have exclusive jurisdiction.