Terms of Use

1. Acceptance of Terms

By accessing and using ETFs.co.nz ("the Website"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Website.

The Website is operated by Dividends.co.nz, a company registered in New Zealand.

2. General Information Only

We are not a registered financial adviser under New Zealand law. You should not rely on any information on this Website to make investment decisions. Always seek independent professional advice from a registered financial adviser before making any financial decisions.

Please read our Disclosure Statement for more information.

3. No Warranties

The Website and its content are provided "as is" without any warranties, express or implied. We do not warrant that:

• The information on the Website is accurate, complete, or current
• The Website will be available at all times or without interruption
• The Website is free from errors or defects
• Any information or advice on the Website is suitable for your particular circumstances

4. Limitation of Liability

To the fullest extent permitted by law, ETFs.co.nz, its directors, employees, and affiliates shall not be liable for any:

• Direct, indirect, incidental, special, or consequential damages
• Loss of profits, data, or other intangible losses
• Damages resulting from your use or inability to use the Website
• Investment losses or financial decisions made based on Website content

5. Third-Party Links and Content

The Website may contain links to third-party websites, including investment platforms, brokers, and financial service providers. These links are provided for convenience only and do not signify endorsement.

We are not responsible for:

• The content, accuracy, or availability of third-party websites
• Any products or services offered by third parties
• Any transactions you conduct with third parties

6. Affiliate Disclosure

The Website may contain affiliate links. If you click on these links and sign up for services, we may receive a commission at no additional cost to you. This does not influence our content or the information we provide. See our Disclosure Statement for details.

7. Intellectual Property

All content on this Website, including text, graphics, logos, and software, is the property of ETFs.co.nz or its content suppliers and is protected by New Zealand and international copyright laws.

You may not reproduce, distribute, modify, or republish any content from this Website without our prior written consent.

8. User Conduct

When using the Website, you agree not to:

• Use the Website for any unlawful purpose
• Attempt to gain unauthorised access to any part of the Website
• Interfere with the proper functioning of the Website
• Use automated systems to access the Website without permission

9. Privacy

Your use of the Website is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

10. Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after any changes constitutes acceptance of the new terms.

11. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of New Zealand. Any disputes arising from these terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of New Zealand.

12. Contact

If you have any questions about these Terms of Use, please contact us at: hello@dividends.co.nz