Legal documents · Terms
Terms of use
What this site is, what it is not, and what you may do with it.
What this site is
We publish financial information, comparisons and tools for exploring the figures and assumptions you enter. Calculated results are scenarios, not an assessment of a product's suitability for you or a plan for achieving your investment goals. Comparison filters and sorts organise stated product features; the order is not a suitability rating. Check the fees, risks, conditions, coverage and source dates before deciding what to investigate.
Our regulatory position
This site provides general information and scenarios. It is not personal financial advice, it is not credit assistance, and it is not a recommendation. The publisher does not hold a local financial-services or credit licence in New Zealand.
Accuracy and your own judgement
Published source figures carry the date we checked the source; your entries, example starting values and assumed returns are not verified facts about you or forecasts. Rules change, lenders negotiate, and payroll systems round differently. Treat calculated results as estimates and confirm anything that matters with the source or a qualified adviser.
Using our calculators elsewhere
Embed them with the embed builder. Free embeds keep the attribution link. Removing it requires a separately agreed Pro licence; no Pro licence is currently available to buy through this site. Do not copy our calculators, tables or guides wholesale onto another site.
Embedding our calculators
You may embed the mortgage repayments, take-home pay and GST calculators on your own website, free of charge, using the code the embed builder gives you. The take-home pay and GST calculators apply New Zealand rules. Each embedded calculator shows a link to money.financial. Leave that link in place, readable and clickable. Do not change a calculator's figures or wording, copy its tables or guides, or present it as your own work or as endorsed by us. An embedded calculator gives general information and scenarios, not advice. We may change, limit or stop providing an embedded calculator at any time, and we do not promise that it will always be available or free of errors. Removing the link requires a white-label licence agreed with us in writing: ask at info@money.financial. A licence is agreed by email and is not bought through this site. Nothing in this section limits a right you have under law that cannot be excluded.
Listings and profiles
Institution and product comparisons are compiled from cited published sources, with the scope and checking dates shown. Inclusion is not endorsement or a claim of complete market coverage. The adviser directory is currently unavailable. Any future adviser-supplied descriptions and credentials will be identified as such; a listing alone is not independent verification.
Advertising and sponsorship
Advertising and sponsorship are available by enquiry to info@money.financial only. Nothing can be booked or paid for through this site, and an enquiry or a reply creates no agreement until both sides confirm one in writing. Any agreed paid arrangement is disclosed as the Disclosure describes and does not change a calculation, a result or the order of anything organic.
Pro subscriptions
Pro subscriptions are not on sale yet. When they are, a Pro subscription is a paid plan with a monthly or an annual price, shown in US dollars on the pricing page before you pay. Prices are shown without tax. No GST or sales tax is charged because NZWE, Inc. is not registered for it. NZWE, Inc. sells the subscription and Stripe processes the payment. A subscription renews automatically at the end of each period until you cancel, and an annual subscription is reminded to you seven days before it renews. You can cancel in your account at any time; the subscription then ends at the end of the period you have paid for. If you buy a Pro subscription for the first time, you can ask for a full refund within 14 days of that first purchase; renewals are not refunded except where we billed you in error. A Pro embed licence is separate and is not available to buy through this site. Billing questions: info@money.financial.
Liability
We are not liable for decisions made from information here. That is not a disclaimer we hide — it is the reason every calculator shows its formula, so you can check the working yourself.
Jurisdiction
Money Financial is a New Zealand publication operated by NZWE, Inc. Registered agent address: Legalinc Corporate Services Inc., 131 Continental Dr, Suite 305, Newark, DE 19713, US. These terms are governed by New Zealand law and the courts of New Zealand have jurisdiction. If you are based in another country and have a question or complaint, contact us at info@money.financial.