Website Terms & Conditions
Application of these Terms
These Website Terms and Conditions (“Terms”) apply to your access to, and use of the websites operated by AdviceFirst Limited, including www.enable.me, www.nestegg.enable.me, www.moneyfit.me, and any related subdomains (together, the “Websites”).
enable.me is a trading name of AdviceFirst Limited, a registered Financial Advice Provider (FSP23242) in New Zealand.
By accessing or using any of the Websites, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Websites.
These Terms are in addition to, and do not replace, any specific terms and conditions that apply to AdviceFirst products or services. If there is any inconsistency between these Terms and the terms applicable to a specific product or service, the product or service terms will prevail.
We may update or amend these Terms from time to time without notice. Your continued use of the Websites after any changes indicates your acceptance of the updated Terms.
In these Terms, references to “we”, “us” or “our” mean AdviceFirst Limited and, where applicable, its related companies.
Information on the Websites – General Information Only
The information available on the Websites, including any tools, calculators, articles or other content, is of a general nature only and is provided for information purposes. It may not be relevant to your individual circumstances and should not be relied on as your sole source of information.
The information on our websites is provided for general information only. It is not financial advice, investment advice, legal advice, or any other form of professional advice.
Before taking any action based on information obtained from the Websites, you should consider whether it is appropriate for your circumstances and seek advice from a qualified financial adviser.
While we take reasonable care to ensure the information on the Websites is accurate and up to date, we do not warrant or guarantee the accuracy, completeness, adequacy, suitability or timeliness of any information, including information provided by third parties or generated by calculators.
Calculators, Projections and Performance Information
Any calculators, projections, estimates or forecasts provided on the Websites are indicative only and are not guarantees of future outcomes or performance. They are based on assumptions which may not reflect actual results.
Information about past performance is not a reliable indicator of future performance. Returns, projections and capital values are not guaranteed.
Full details of fees, pricing, risks and other relevant information for any financial product are set out in the relevant disclosure documents. You should review those documents and seek advice before making any financial decisions.
Third-Party Websites and Links
The Websites may contain links to third-party websites. These websites are not under our control and are provided for convenience only.
We do not endorse, warrant or guarantee the accuracy, relevance or completeness of any information on third-party websites. Content on linked websites may change without notice.
You should not rely on information from third-party websites without independently verifying it and, where appropriate, obtaining professional advice.
Availability, Errors and Viruses
We do not guarantee that the Websites will always be available, uninterrupted, secure or errorfree. Access to the Websites may be suspended, restricted or terminated at any time.
While reasonable precautions are taken to prevent the introduction of viruses or malicious code, we do not warrant that the Websites are free from viruses or other harmful components. You are responsible for protecting your own systems and data.
We are not responsible for any loss, damage or disruption caused by viruses, malware or technical failures associated with your use of the Websites.
Limitation of Liability
To the maximum extent permitted by law, AdviceFirst, its directors, employees, contractors, agents and advisers exclude all liability for any direct or indirect loss, damage, cost or expense arising out of or in connection with:
- your access to or use of the Websites;
- reliance on information or calculators provided on the Websites;
- errors, omissions or inaccuracies in the content;
- inability to access or use the Websites; or
- third-party websites or services linked from the Websites.
Nothing in these Terms excludes any liability that cannot be excluded under New Zealand law.
User Conduct
You agree to use the Websites lawfully and responsibly. You must not:
- use the Websites for any illegal, fraudulent or unauthorised purpose;
- submit or transmit any offensive, misleading or unlawful material;
- interfere with or disrupt the operation or security of the Websites; or
- attempt to gain unauthorised access to any systems or data.
You indemnify AdviceFirst against any loss or damage suffered as a result of your misuse of the Websites or breach of these Terms.
Cookies and Analytics
We may use cookies and similar technologies on the Websites to improve functionality, analyse usage and support advertising activities.
Information collected through cookies and analytics tools may include website traffic data, browsing behaviour, IP address, and information you voluntarily provide. This data is generally collected in an aggregated and anonymous form.
The Websites may use third-party analytics and advertising services, including Google Analytics, which may collect information about your interactions with the Websites and advertisements across other websites.
You can manage or disable cookies through your internet browser settings.
Intellectual Property
Unless otherwise stated, all content on the Websites, including text, images, logos, branding, calculators and software, is owned by or licensed to AdviceFirst and is protected by copyright and other intellectual property laws.
You may not copy, reproduce, modify, distribute, display or use any content from the Websites for commercial purposes without our prior written consent.
Privacy
AdviceFirst complies with the Privacy Act 2020. Our Privacy Policy explains how we collect, use, store and disclose personal information.
Please review our Privacy Policy for further information.
Contact Us
If you have questions, concerns, or requests relating to these Website Terms and Conditions, please contact us:
Email: privacy@enable.me
Address: AdviceFirst Limited, trading as enable.me
PO Box 10550, Wellington, 6143
Phone: 0800 897 898
Further information about privacy rights is available from the Office of the Privacy Commissioner: www.privacy.org.nz.
Ready to Take Control of Your Financial Future?
Whether you’re just starting out and building foundations or refining a long-term wealth strategy, we’re here to help.
