Disclosure Statement

Who We Are

ETFs.co.nz is an educational and informational website operated by Dividends.co.nz. We are based in New Zealand and provide information about exchange-traded funds (ETFs) and investment platforms.

We are not:

• A registered financial adviser under the Financial Markets Conduct Act 2013
• A licensed financial service provider offering personalised advice
• An investment platform or broker
• Affiliated with any ETF provider or investment platform (unless explicitly stated)

Nature of Information Provided

All content on ETFs.co.nz is provided for general informational and educational purposes only. This includes:

• ETF overviews, comparisons, and factual information
• Platform comparisons and fee information
• Educational content about investing concepts
• General discussion of investment strategies

This information does not constitute personalised financial advice. It does not take into account your individual financial situation, goals, or risk tolerance.

No Recommendation or Endorsement

References to specific ETFs, investment platforms, or financial products on this website:

• Are for informational purposes only
• Do not constitute a recommendation to buy, sell, or hold any investment
• Do not constitute an endorsement of any product or service
• Should not be relied upon when making investment decisions

Any discussion of potential suitability (e.g., "may suit investors seeking...") reflects general characteristics only and is not advice about what is suitable for you personally.

Affiliate Relationships & Conflicts of Interest

ETFs.co.nz may contain affiliate links to investment platforms and financial service providers. This means we may receive a commission if you sign up through our links, at no additional cost to you.

Platforms we may have affiliate relationships with include:

• Hatch
• Sharesies
• Stake
• Interactive Brokers
• Kernel

These relationships may create a potential conflict of interest. However, we strive to provide objective, factual information regardless of affiliate relationships. Our content is not influenced by whether a platform offers an affiliate program.

Accuracy of Information

While we endeavour to keep information accurate and up-to-date:

• Fees, yields, and performance data change frequently
• Tax rules and regulations may change
• We may not always have the most current information
• Errors may occur despite our best efforts

Always verify current information directly with the relevant provider, platform, or official source before making any investment decisions.

Investment Risk Warning

Seek Professional Advice

Before making any investment decisions, we strongly encourage you to:

• Consult with a registered financial adviser who can assess your individual circumstances
• Speak with a qualified tax professional about the tax implications of your investments
• Read the Product Disclosure Statement (PDS) for any investment product
• Conduct your own research and due diligence

The Financial Markets Authority (FMA) maintains a register of licensed financial service providers at fsp-register.companiesoffice.govt.nz.

Limitation of Liability

To the maximum extent permitted by law, ETFs.co.nz and its directors, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of or reliance on information on this website
• Any investment decisions made based on our content
• Errors or omissions in our content
• Any third-party products or services mentioned on this website

Contact Us

If you have questions about this disclosure statement, please contact us at: hello@dividends.co.nz