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BetterSaver Terms and Conditions

BetterSaver Limited maintains this website (bettersaver.co.nz) and all its associated microsites. This document sets out the terms and conditions that govern the use of this website. By accessing the website, you agree to these Terms. If you do not agree with these Terms you must not use the website.

This website is suitable for New Zealand audiences only. To the extent permitted by law we hold the right to change these Terms at anytime. Please check these Terms regularly.

License to use website

Unless otherwise stated, BetterSaver Limited and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved. You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions. You must not:

Where content is specifically made available for redistribution, it may only be redistributed within your organisation.

Acceptable use

You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity. You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software. You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without Fintech Solutions Limited's express written consent. You must not use this website to transmit or send unsolicited commercial communications. You must not use this website for any purposes related to marketing without BetterSaver Limited's express written consent.

No articles on bettersaver.co.nz are financial advice for the purposes of the Financial Advisers Act and should not be relied upon in making an investment decision. We recommend that you seek professional advice from a suitable authorised or registered financial adviser which takes into account your personal circumstances before making an investment decision.

We cannot guarantee that any information displayed on our website is the latest or up-to-date. We always try our best to keep them up to date but there may be times when the information is out of date. If you see any information that is out-of-date, please let us know at contact@bettersaver.co.nz.

User content

In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose. You grant to BetterSaver Limited a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to BetterSaver Limited the right to sub-license these rights, and the right to bring an action for infringement of these rights. Your user content must not be illegal or unlawful, must not infringe any third party's legal rights, and must not be capable of giving rise to legal action whether against you or BetterSaver Limited or a third party (in each case under any applicable law). You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint. BetterSaver Limited reserves the right to edit or remove any material submitted to this website, or stored on BetterSaver Limited's servers, or hosted or published upon this website. Notwithstanding BetterSaver Limited's rights under these terms and conditions in relation to user content, BetterSaver Limited does not undertake to monitor the submission of such content to, or the publication of such content on, this website. No warranties This website is provided “as is” without any representations or warranties, express or implied. BetterSaver Limited makes no representations or warranties in relation to this website or the information and materials provided on this website. Without prejudice to the generality of the foregoing paragraph, BetterSaver Limited does not warrant that:this website will be constantly available, or available at all; orthe information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any financial matter you should consult an appropriate professional.

Limitations of liability

BetterSaver Limited will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website: to the extent that the website is provided free-of-charge, for any direct loss for any indirect, special or consequential loss; or for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data. These limitations of liability apply even if BetterSaver Limited has been expressly advised of the potential loss.

Privacy Information

BetterSaver Limited (we, us, our) complies with the New Zealand Privacy Act 1993 (the Act) when dealing with personal information. Personal information is information about an identifiable individual (a natural person).

This policy sets out how we will collect, use, disclose and protect your personal information.

This policy does not limit or exclude any of your rights under the Act. If you wish to seek further information on the Act, see www.privacy.org.nz.

Changes to this policy

We may change this policy by uploading a revised policy onto the website. The change will apply from the date that we upload the revised policy.

Who do we collect your personal information from

We collect personal information about you from: you, when you provide that personal information to us, including via the website and any related service, through any registration or subscription process, through any contact with us (e.g. telephone call or email), or when you buy or use our services and products third parties where you have authorised this or the information is publicly available. If possible, we will collect personal information from you directly.

How we use your personal information

We will use your personal information:

  1. to verify your identity
  2. to provide services and products to you
  3. to market our services and products to you, including contacting you electronically (e.g. by text or email for this purpose)
  4. to improve the services and products that we provide to you
  5. to respond to communications from you, including a complaint
  6. to conduct research and statistical analysis (on an anonymised basis)
  7. to protect and/or enforce our legal rights and interests, including defending any claim
  8. for any other purpose authorised by you or the Act.

If possible, we will collect personal information from you directly.

Disclosing your personal information

We may disclose your personal information to:

  1. another company within our group
  2. any business that supports our services and products, including any person that hosts or maintains any underlying IT system or data centre that we use to provide the website or other services and products
  3. other third parties (for anonymised statistical information)
  4. a person who can require us to supply your personal information (e.g. a regulatory authority)
  5. any other person authorised by the Act or another law (e.g. a law enforcement agency)
  6. any other person authorised by you.
  7. A business that supports our services and products may be located outside New Zealand. This may mean your personal information is held and processed outside New Zealand.

Protecting your personal information

We will take reasonable steps to keep your personal information safe from loss, unauthorised activity, or other misuse.

Accessing and correcting your personal information

Subject to certain grounds for refusal set out in the Act, you have the right to access your readily retrievable personal information that we hold and to request a correction to your personal information. Before you exercise this right, we will need evidence to confirm that you are the individual to whom the personal information relates.

In respect of a request for correction, if we think the correction is reasonable and we are reasonably able to change the personal information, we will make the correction. If we do not make the correction, we will take reasonable steps to note on the personal information that you requested the correction.

If you want to exercise either of the above rights, email us at [insert email address]. Your email should provide evidence of who you are and set out the details of your request (e.g. the personal information, or the correction, that you are requesting).

We may charge you our reasonable costs of providing to you copies of your personal information or correcting that information.

Internet use

While we take reasonable steps to maintain secure internet connections, if you provide us with personal information over the internet, the provision of that information is at your own risk.

If you post your personal information on the website’s message board or comments section, you acknowledge and agree that the information you post is publicly available.

If you follow a link on our website to another site, the owner of that site will have its own privacy policy relating to your personal information. We suggest you review that site’s privacy policy before you provide personal information.

We use cookies (an alphanumeric identifier that we transfer to your computer’s hard drive so that we can recognise your browser) to monitor your use of the website. You may disable cookies by changing the settings on your browser, although this may mean that you cannot use all of the features of the website.