Terms of use

SBS Wealth Limited – Website terms of use

1 Introduction to terms of use

sbswealth.co.nz (this "website") is owned and operated by SBS Wealth Limited ("SBS Wealth", "we", "us", "our"). These terms of use constitute an agreement between you, the website user, ("you", "your") and us. You must not access or use this website unless you accept all of these terms of use. By accessing and using this website you agree that you have read, understood and accepted these terms of use, and you agree to be bound by them.

2 Your privacy

Where we collect personal information about you as a result of your accessing and using this website, our privacy policy will apply to that information. Accordingly, these terms of use must be read together with our privacy policy.

3 Changes

We reserve the right to add to, modify, suspend, or remove this website or any information, material, or feature incorporated in this website at any time and without notice. We reserve the right to change these terms of use from time to time by publishing the changed terms on this website. You should review these terms of use periodically to be aware of such changes. By continuing to access or use this website or any services available through this website following such publication you accept the revised terms of use.

4 Your use of this website

You agree not to use this website for any purpose that is unlawful or to engage in any conduct that may impair or cause damage to the operation of this website whether by way of a virus, corrupted file or through any other means. Furthermore, you agree not to alter, modify, reproduce, transmit or otherwise deal with the content, software, text, graphics, layout or design of this website otherwise than in accordance with section 6 below.

This website is controlled and operated by us, from offices within New Zealand. Information and products, and services on this website have been prepared in accordance with New Zealand law for the supply of these products and services to persons located in New Zealand only.

5 Intellectual property

The name and logo of SBS Wealth and all other trade marks appearing on this website belong to us or our licensors or affiliates. You must not use or reproduce or allow anyone to use or reproduce those trade marks for any reason without our prior written permission in each case.

The materials displayed on this website are protected by copyright and other laws in New Zealand, and under similar laws and international conventions abroad. You acknowledge and agree that all copyright and other intellectual property rights that may subsist in materials available through this website including text, illustrations, artwork, photographs, video, music, sounds, layout, designs, computer programs, source code, belong to us or to our licensors (together, "our intellectual property").

Except in accordance with section 6 below or with our prior written permission, you may not in any form or by any means:

a. use, copy, modify, adapt, reproduce, store, embed, distribute, print, display, perform, publish, or transmit in any way our intellectual property; or

b. commercialise any information, products or services obtained from any part of this website.

6 Limited permission to use materials

You are permitted to download and print extracts of material or content from this website in the following situations only:

a. for your own use for personal financial planning; or

b. for non-commercial research or private study; or

c. where insubstantial portions of such material or content are quoted in another document provided that an acknowledgement of the source of such materials is provided in each case.

You must not remove, cover, overlay, obscure or change any copyright notices, legends, or terms of use that we post on this website.

7 Feedback and ideas

If you give us feedback about this website or our products or services, we may use that feedback for the purpose of improving our website, products, or services (and for any other purpose we deem necessary or desirable) without any acknowledgement of the source of that feedback and without being obliged to pay you any compensation. If you provide us with ideas as part of your feedback they will be deemed to be non-confidential.

8 Disclaimers

To the extent that any content, information, or materials available through this website constitutes advice, you agree that it is not personalised and has been prepared by SBS Wealth without reference to your financial situation, goals, or needs. Certain content, information, or materials available through this website may contain further disclaimers that relate to that content, information, or material. You should consider the advice in light of the above matters and, if applicable, the relevant Product Disclosure Statement before making any decision to invest. To obtain advice tailored to your particular circumstances, please contact an SBS Wealth authorised financial adviser. A disclosure statement is available, on request and free of charge.

We endeavour to ensure the accuracy of information available through this website and that the content of this website is free from errors. However, we do not give any warranty or other assurance as to the content of material appearing on this website, or its accuracy, operation, quality, functionality, completeness, timeliness or suitability for any particular purpose.

To the maximum extent permitted by law, we provide this website and related information and services on an "as is" basis without any warranties, representations, or guarantees of any kind (whether, express, implied, statutory or otherwise) including, but not limited to, warranties of non-infringement, merchantability, or fitness for a particular purpose.

The views expressed in any third party material available through this website are not necessarily the views of SBS Wealth and we expressly disclaim all responsibility for any third party material.

9 Limitation of liability

To the maximum extent permitted by law, we disclaim all responsibility for any damages or losses (including, without limitation, financial loss, damages for loss of business opportunity, loss of revenue or profits or other economic losses) whether arising in contract, tort (including negligence) or otherwise from the use of, or inability to use, this website or any material appearing on this website, or from any action or decision taken as a result of using this website or any such material.

10 Availability

Due to the nature of the Internet and electronic communications, we and our service providers do not warrant that this website or any associated services will be error free, without interruption or delay, or free from defects in design. Your use of this website and any associated services may be subject to interruption, unavailability, restriction, or delay. We will not be liable to you should this website or the services supplied through this website become, interrupted, unavailable, restricted, or delayed for any reason.

11 Hyperlinks and third party websites

If you create a hyperlink or hotlink to this website or embed this website (or any part of this website) in another website, you do so at your own risk. You will be responsible for all losses (whether direct or indirect) that we may suffer as a result of that hyperlink, hotlink, or embedding and you will indemnify us against all claims arising from, or in connection with, that hyperlink, hotlink, or embedding.

This website may provide links to Internet sites maintained by third parties. Such linked sites are not under our control and we are not responsible for their content (including the accuracy or legality of any linked site or any material contained in a linked site). We provide such links to you only as a convenience, and the inclusion of any link does not imply endorsement by us of the linked site. We will not be liable for any damages or loss arising in any way out of or in connection with or incidental to any information or service provided by any third party. 

12 Security and malicious code

All information transmitted to you is transmitted at your risk, and you assume all responsibility and risks arising in relation to your use of this website and the Internet. We do not accept responsibility for any interference or damage to your own computer system which may arise in connection with your accessing of this website or any hyperlink.

Although we endeavour to prevent the introduction of viruses, Trojans, worms, or other malicious code (together, "malicious code") to this website, we do not guarantee that this website, or any content available from it, does not contain malicious code. We will not be liable for any damages or harm attributable to malicious code. You are responsible for ensuring that the process that you employ for accessing this website does not expose your computer system to the risk of interference or damage from malicious code. 

13 Governing law

These terms of use are governed by the laws of New Zealand and the courts of New Zealand shall have non-exclusive jurisdiction to hear and determine any dispute arising in relation to these terms of use.

These terms of use were last updated on 2 September 2024.