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This website is owned and maintained by Astute Financial Management Limited. Please read these website terms and conditions carefully before continuing to use or browse this web site. By accessing and using this website you are deemed to have accepted these website terms and conditions and agreed to be bound by them. Astute Financial Management Limited reserves the right to change or modify the website terms and conditions at any time, without giving you prior notice. Any change will take effect once posted on this website.

You must not use this website for any unlawful purpose.

1. About this Website

The information provided and services described on this website are of a general nature and are not intended to be personalised financial advice to a retail client. The information provided in this website is not intended as a substitute for professional advice. You may seek appropriate personalised financial advice from a qualified professional to suit your individual circumstances.

2. No Warranties

While every effort is made to ensure the information on this website is up-to-date and correct, Astute Financial Management Limited makes no representations or warranties of any kind, express or implied, about the accuracy, reliability, completeness, suitability or availability of the website or the information about the products and services provided on the website. The information on this website is subject to change at any time and may, at times, be out of date, inaccurate and/or incomplete. Astute Financial Management Limited is under no obligation, and accepts no responsibility, to update any information on this website or correct any errors in the information after it is published on the website nor does Astute Financial Management Limited accept any liability for any failure to do so. Any reference on this website to historical information and performance of a product or service may not necessarily be a good guide to future performance. You are solely responsible for any actions you take or do not take by relying on such information.

3. No Liability

To the full extent legally allowable the directors, contractors, business associates, consultants and staff of Astute Financial Management Limited expressly disclaim all and any liability and responsibility to any person in respect of anything, and of the consequences of anything, done or omitted to be done by any such person in reliance, whether wholly or partially, upon the whole or any part of the contents of this website. The disclaimers and limitations of liability do not prejudice your rights under the Consumer Guarantees Act 1993, nor are they intended to exclude liability arising under statute.

4. NZ Jurisdiction

The information published on this website is governed by, and has been prepared to comply with, the New Zealand law. The information is only intended for persons within the New Zealand jurisdiction and is not intended for persons outside the New Zealand jurisdiction. Astute Financial Management Limited does not accept responsibility for the compliance of this information with the laws of any other country. The laws of New Zealand shall govern your use of this website and by visiting this website you agree to submit to the exclusive jurisdiction of the New Zealand courts.

To the fullest extent permitted by law, Astute Financial Management Limited will not be liable for any failure of this website to comply with the laws of any other country.

5. Virus protection

Although Astute Financial Management Limited regularly updates its virus protection software, it does not warrant that the server that makes the information and contents of this website available is free of viruses or bugs. You acknowledge that it is your responsibility to implement sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the correct display and/or presentation of any material contained on this website.

6. Linked Websites

Through this website you may be able to link to other websites which are neither under the control of, nor monitored by, Astute Financial Management Limited, and it has no knowledge of or control over the nature, content, and availability of those websites. Responsibility for the content and privacy practices of these linked websites rests solely with the owners of those websites, not Astute Financial Management Limited.

Astute Financial Management Limited does not in any way, sponsor, recommend, or endorse anything contained on these linked websites. Astute Financial Management Limited does not accept any liability of any description for any loss suffered by you by relying on anything contained or not contained on these linked websites.

7. Website availability

Every effort is made to keep the website up and running smoothly. However, Astute Financial Management Limited takes no responsibility for, and will not be liable for, any loss you may suffer due to the website being temporarily unavailable either during its planned maintenance or due to technical or other issues beyond our control.

8. Calculators

Calculators provided on this web site are to be used as a guide and are intended to provide you with an indication or illustration only. The calculators do not take into account your individual financial situation, goals, or objectives. Use of the calculators does not constitute personalised financial advice to retail clients. Before you make any decisions based on the information obtained using these calculators you should seek professional advice. The output from the calculators is not an offer of finance from Astute Financial Management Limited. All applications for finance are subject to the lending criteria of respective lenders, and applicable fees and charges. The information collected in this calculator may be passed between calculators and our online application form.

9. Intellectual Property

All materials on this website are protected by copyright and intellectual property laws and are the property of Astute Financial Management Limited unless otherwise explicitly stated. The website may also contain a number of trademarks, logos and symbols which are either owned by Astute Financial Management Limited or used with the approval of the symbol owner.  Nothing on the website should be construed as granting any licence to use any trade mark without the permission of the trade mark owner. Any material on this website that is identified as being subject to copyright of a third party, authorisation to use or reproduce such material must be obtained from that third party. Unless stated otherwise, you may access and download the materials located on this website only for personal, non-commercial use.

10. Cookies

By using or accessing this website, you are giving consent to Astute Financial Management Limited for using cookies to collect data about each visit to this website.  Cookies are text-only pieces of information that a website transfers to an individual’s hard drive or other website-browsing equipment for record-keeping purposes. Cookies allow the website to remember important information that will make your use of the site more convenient. A cookie will typically contain the name of the domain from which the cookie has come, dates and times of visits, pages accessed, documents opened, and links clicked, and a randomly generated unique number or other value. Like most websites, we use cookies for a variety of purposes to improve your online experience, for analytics and for marketing.

Session cookies are temporary cookies that remain in the cookie file of your browser until you leave the website.

Persistent cookies remain in the cookie file of your browser for much longer (though how long will depend on the lifetime of the specific cookie). When we use session cookies to track the total number of visitors to our website, this is done on an anonymous aggregate basis (as cookies do not in themselves carry any personal data). We may also employ cookies so that we remember your computer when it is used to return to the website to help customize your experience of website use. We may associate personal information with a cookie file in those instances. Use the options in your web browser if you do not wish to receive a cookie or if you wish to set your browser to notify you when you receive a cookie. You can easily delete any cookies that have been installed in the cookie folder of your browser.

11. Disclosure Statement

A disclosure statement relating to the advisers associated with this website are available on request and free of charge.