Unless we specify otherwise in writing, you must not:
(a) distribute or copy any part of our websites for any commercial purpose,
(b) incorporate any part of our websites on any other website or any other work or publication (whether in hard copy, electronic or any other form), and
(c) reproduce, transmit or store any part of our websites (including in any other website or other electronic form).
You may print, download to your hard drive or cloud storage device, or share on social media extracts from our websites only for your own personal or internal business use, but only if you:
(a) retain all relevant copyright and other proprietary notices on each copy, and
Linking by us Our websites may include links to third party websites or materials ('linked sites'). We are not responsible for the contents of any linked sites or liable for any direct or indirect loss or damage suffered by you from accessing, using, relying on or trading with third parties. The inclusion of any link does not imply our endorsement of linked sites or any association with their operators.
Linking by you You may include links from your site to our websites. However, we reserve the right to prohibit your linking to our websites at any time, and you must remove or cease any link at our request.
You must not:
(a) frame any part of the material on one of our websites by including advertising or other revenue-generating material,
(b) modify, edit or otherwise interfere with any of our websites or any material on any of our websites.
For more requirements please see our Linking Policy.
If you do create a link to any page on one of our websites, you are responsible for the consequences of that link. You will keep us indemnified against all costs, expenses and damages we may suffer or incur arising from, or in connection with, that link.
Posting information on our websites You may make posts on parts of our websites where we provide such functionality. You must not post anything which:
(b) is in breach of any person's rights, including copyright and confidentiality, or
(c) introduces a virus or computer programming code which would have the effect of disrupting, impairing, disabling or otherwise adversely affecting use of our websites.
We do not undertake to monitor, approve, endorse or exert editorial control over information posted by users on our websites. We do not accept responsibility for, or make any warranties in connection with, such information. We reserve the right to remove any information or statement from our websites without warning.
By placing information or statements on one of our websites, you grant us a non-exclusive, perpetual licence to use, copy, distribute, publish and transmit such information in any form, unless otherwise agreed in writing with you.
Advertisers Any dealings with any advertiser appearing on our websites are solely between you and the advertiser. We are not responsible or liable for any part of any such dealings or promotions or for any loss or damage you may suffer or incur as a result.
Registration Where you are registering to be a user of any of our websites, you must complete the registration process by providing us with current, complete and accurate information as prompted by the registration form. We reserve the right to reject any application for user registration and to revoke any user registration for any reason whatsoever.
If you are a registered user on one of our websites, you may only log in to the website using the username given to you during the registration process and your password. You must not use anyone else's username and password or share your username and password with anyone else. You are responsible for all use of our websites under your username and password.
Disclaimer We take reasonable care to ensure information on our websites is accurate and complete and that any opinions given are fair and reasonable. However, we disclaim any express or implied warranties in relation to such information and opinions to the maximum extent permitted by law.
Use of information contained on our websites is at your own risk. We are not responsible for any adverse consequences arising out of such use.
We reserve the right to change the information on any of our websites at any time without notice.
You acknowledge that our websites may not be available from time-to-time.
You acknowledge that we do not offer any opinion or recommendation on the nature, potential value or suitability of any particular transaction or strategy. We suggest that you consider seeking relevant independent professional advice before proceeding with any such transaction or strategy. If you enter into any transaction subsequent to accessing any of our websites, you do so:
(a) entirely in reliance on your own judgement and inquiries; and
(b) without reliance on any statements, warranties or representations made to you or to any other person by us or on our behalf.
We are not an offeror of any financial products to any person for the purpose of the Financial Markets Conduct Act 2013. We do not provide any financial adviser service for the purpose of the Financial Advisers Act 2008.
Limitation of liability and indemnity In relation to our websites and your use of them, we:
(a) exclude all responsibility and liability to the fullest extent permitted by law,
(b) will not be responsible for any errors or misstatements or be liable to you or any other person, whether in contract, tort (including negligence) or otherwise, for any loss or damage however caused (including direct, indirect, consequential, special, economic loss, loss of profits, revenue or goodwill).
To the fullest extent permitted by law, we are not responsible for the compliance of our websites, or the material contained in them, with the laws of any country other than New Zealand. If you access our websites from outside New Zealand, you are responsible for complying with all applicable laws.