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Terms & conditions


By accessing and/or using www.advicefirst.co.nz (or any sub-domains of this website addresses) “the Website”, or any section of it, you agree to be bound by the Terms and Conditions set out below.

These Terms and Conditions are in addition to, and do not replace, any specific terms and conditions applicable to any AdviceFirst product or service and to the extent that there is any conflict between these Terms and Conditions and those of AdviceFirst’s products and services, the terms and conditions of the specific products and services will prevail. AdviceFirst may vary these Terms and Conditions at any time without notice and your continued use of this website following any such changes indicates your acceptance of those changes.

In the Website, a reference to “us”, “we” or “our” is a reference to AdviceFirst Limited and any related companies.

Information on the Website, including the calculators provided on the Website, is general in nature and may not be relevant to individual circumstances. Information and calculators on the Website should not be your only source of information and should be treated as a guide only. The content on the Website does not constitute personalised financial advice or any other professional advice. To the extent that any content on the Website does constitute financial advice, it is class advice only. Whilst every effort has been made to ensure that the information and calculators provided on the Website are accurate, you should not rely on this information or the calculators to make any investment decision. Before taking any action you should always consider seeking personalised financial advice relevant to your personal circumstances from a financial adviser.

We will endeavour to ensure the Website is always up-to-date and accurate. However, we do not guarantee the currency, accuracy, suitability or adequacy of information on the Website, including information provided by third parties and by calculators provided on the Website at any particular time. Information on the Website may change without notice and we may change the content of the Website at any time.

We do not guarantee the relevance or accuracy of any information in any website accessed through this site. In most cases those websites have been designed without input from AdviceFirst and the content can change at any time without notice to AdviceFirst. By including a reference or a link to another website AdviceFirst is merely suggesting you may want to review the information in those sites. You should not rely on that information to make any investment decision without having first verified the information provided and having sought advice.

Except insofar as any liability under statute cannot be excluded, none of AdviceFirst, any of its employees, agents and advisers, or any other party accepts any responsibility or liability for any direct or indirect loss or damage that may result from any errors or omissions on the Website, reliance on information on the Website, including reliance on the calculators provided on the Website, or access to, or use of, or inability to use, the Website.

Unless otherwise specifically stated none of AdviceFirst, any of its employees, agents and advisers, or any other party guarantees the return of capital of investors in any of the products referred to on the Website and none of AdviceFirst, any of its employees, agents and advisers, or any other party guarantees the performance of any of the products referred to on the Website. Any projections or predictions or calculations provided by the calculators included on the Website are not guaranteed. Any projections or predictions are merely an expression of opinion. Information about past performance is not necessarily an indication of future performance. Full details of unit pricing, fees and other details relevant to a product are set out in the relevant investment statement and other disclosure documents for a particular product. For further information on any of the products referred to on the Website you should refer to the relevant investment statement, other disclosure documents, or contact us.

While care has been taken to prevent the introduction of viruses on to the Website, AdviceFirst does not guarantee that the Website is free from viruses. You are responsible for protecting your own computers from being affected by viruses while using the Website. AdviceFirst is not responsible if you are not able to access or use the Website due to any virus or for loss or damage you may suffer as a result of a virus affecting your computer/s. You also agree to take reasonable precautions to prevent the introduction or spread of any software contamination, including viruses, in the Website when accessing, providing or downloading information via the Website.

AdviceFirst does not guarantee the continued availability of the Website or the continuation of any services provided on it and access to the Website may be interrupted, restricted or delayed from time to time. AdviceFirst does not accept any responsibility or liability in relation to any loss suffered in these circumstances.

You agree to follow any instructions supplied to you in relation to the use of the Website and you agree not to use, or permit to be used, the Website for any illegal or improper purpose. You indemnify AdviceFirst for any loss incurred or damage suffered by us or any other party resulting from your use of the Website or failure to take reasonable steps to prevent illegal or improper use of the Website.

The information on the Website is intended for residents of New Zealand only and any products and services offered on the Website are only offered to New Zealand residents living in New Zealand. These Terms and Conditions are governed by New Zealand law and are subject to the exclusive jurisdiction of the New Zealand courts. References to $ or dollars mean New Zealand currency unless otherwise specified.

Unless otherwise specified, copyright of information provided on the Website is owned by AdviceFirst. You may not alter or modify this information in any way, including the removal of this copyright notice.



When you visit the Website you may do so anonymously.

AdviceFirst does not collect your name, email address or other personal information when you access or use the Website unless you choose to provide it to us voluntarily or if we explicitly ask for this information (to authenticate you as part of login procedures, or for promotional purposes). We do, however, collect data to help us determine which pages are most popular, peak usage times and other information that helps us make the Website easier and more efficient for you to use.

AdviceFirst uses “cookies” as a method of registering user-preferences, to help enhance and personalise your experience on the Website. Cookies are pieces of information that a website can transfer to a user’s computer hard drive and/or memory for record keeping purposes. Cookies cannot read your hard drive, nor can they be used to reveal new information about you; they are designed to make it easier for you to use the Website by storing information about your preferences on the Website. These preferences are stored in a file on your computer hard drive. The Website uses both persistent and session cookies. Persistent cookies are those that stay on your computer permanently until either you manually delete them or they are deleted by the relevant website. Session cookies usually delete themselves automatically when you shut down your browser. The use of cookies is an industry standard and many major websites use them. Most internet browsers are pre-set to accept cookies. However, if you do not wish to receive cookies, you can adjust your internet browser to disable cookies or to warn you when cookies are being used. For more information about cookies, including how to enable cookies, change your browser settings, find cookies, and delete cookies, please refer to your browser’s help menus.

Some parts of the Website use JavaScript to provide additional functionality for the user. JavaScript is a programming language that runs within a browser. If you decide to disable JavaScript within your browser you may lose some of the web page functionality.

AdviceFirst is an agency for the purposes of the Privacy Act 1993. All personal information that you supply to AdviceFirst, on the Website or otherwise, will be treated in accordance with that Act. AdviceFirst collects, stores and uses any personal information that you do supply in order to comply with certain laws and regulations and to provide you with service including, without limitation: administering the Website and enforcing the rights of AdviceFirst under these Terms and Conditions; marketing goods and services provided by AdviceFirst; administering your policies or products; keeping your records up-to-date; developing and improving our products and services; enabling you to communicate with AdviceFirst; and providing you with information regarding your AdviceFirst products and services. You agree that we may use any information that you provide us with to keep you informed and up-to-date with reports, statements, newsletters and details of products and services and to provide you with additional information about the full range of products and services we offer.

You have the right to ask to see information AdviceFirst holds about you and if you believe the information is incorrect to ask that it be corrected. Further information about privacy and the New Zealand Privacy Act is provided by the Office of the Privacy Commissioner (www.privacy.org.nz).

Disclosure statements for AdviceFirst Financial
Advisers are available on request and free of charge.