Terms of Use

Fintech Solutions Limited maintains this website (www.pocketwise.co.nz) and all associated microsites. This document sets out the terms and conditions that govern the use of this website. By accessing the website, you agree to these terms. If you do not agree with these Terms you must not use the Website.

This website is suitable for New Zealand audience only. To the extent permitted by law, we hold the right to change these Terms at any time. Please check these web pages regularly.

License to use website

Unless otherwise stated, Fintech Solutions Limited and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved. You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions. You must not:

  • republish material from this website (including republication on another website);
  • sell, rent or sub-license material from the website;
  • show any material from the website in public;
  • reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
  • edit or otherwise modify any material on the website; or
  • redistribute material from this website except for content specifically and expressly made available for redistribution
Where content is specifically made available for redistribution, it may only be redistributed within your organisation.

Acceptable use

You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity. You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software. You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without Fintech Solutions Limited's express written consent. You must not use this website to transmit or send unsolicited commercial communications. You must not use this website for any purposes related to marketing without Fintech Solutions Limited's express written consent.

No articles on pocketwise.co.nz are financial advice for the purposes of the Financial Advisers Act and should not be relied upon in making an investment decision. We recommend that you seek professional advice from a suitable authorised or registered financial adviser which takes into account your personal circumstances before making an investment decision.

All interest rates, products, and deals displayed on the website are the lowest advertised by lenders, at the time the data was updated. These interest rates, products, or deals may have different terms and conditions and eligibility criteria, so they may not be available for everyone. Please consult a registered financial adviser to find out the exact rates suited for your financial needs. We cannot guarantee that the interest rates, products, deals, or any other information displayed on our website are the latest or up-to-date. We always try our best to keep them up to date but there may be times when the information is out of date. We cannot guarantee that our advisers will be able to get you the rates advertised on our site. If you see any information that is out-of-date, please let us know at [email protected].

Restricted access

Access to certain areas of this website is restricted unless specifically provided by Fintech Solutions Limited. Fintech Solutions Limited reserves the right to restrict access to other areas of this website, or indeed this entire website, at Fintech Solutions Limited's discretion. If Fintech Solutions Limited provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential. Fintech Solutions Limited may disable your user ID and password in Fintech Solutions Limited's sole discretion without notice or explanation.

User content

In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose. You grant to Fintech Solutions Limited a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to Fintech Solutions Limited the right to sub-license these rights, and the right to bring an action for infringement of these rights. Your user content must not be illegal or unlawful, must not infringe any third party's legal rights, and must not be capable of giving rise to legal action whether against you or Fintech Solutions Limited or a third party (in each case under any applicable law). You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint. Fintech Solutions Limited reserves the right to edit or remove any material submitted to this website, or stored on Fintech Solutions Limited's servers, or hosted or published upon this website. Notwithstanding Fintech Solutions Limited's rights under these terms and conditions in relation to user content, Fintech Solutions Limited does not undertake to monitor the submission of such content to, or the publication of such content on, this website. No warranties This website is provided “as is” without any representations or warranties, express or implied. Fintech Solutions Limited makes no representations or warranties in relation to this website or the information and materials provided on this website. Without prejudice to the generality of the foregoing paragraph, Fintech Solutions Limited does not warrant that:

  • this website will be constantly available, or available at all; or
  • the information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any financial matter you should consult an appropriate professional.

Limitations of liability

Fintech Solutions Limited will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:

  • to the extent that the website is provided free-of-charge, for any direct loss
  • for any indirect, special or consequential loss; or
  • for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if Fintech Solutions Limited has been expressly advised of the potential loss.