Disclaimer

1. General Information Only

Credit Card Comparison NZ operates as an independent comparison service. Our platform:

• Provides factual information about credit card products available in New Zealand
• Offers comparison tools to help consumers evaluate different credit card options
• Publishes educational content about credit cards, interest rates, and financial planning
• Does not provide personalized financial advice tailored to individual circumstances
• Cannot guarantee accuracy of all information due to frequent changes in banking terms

2. Not Licensed Financial Advice

• Provide personalized financial advice or recommendations
• Assess individual financial situations or creditworthiness
• Make recommendations based on personal circumstances
• Guarantee the suitability of any financial product
• Replace the need for professional financial advice

Before making any financial decisions, you should: Consider seeking advice from a qualified, licensed financial adviser who can assess your personal circumstances and provide tailored recommendations.

3. Information Accuracy and Currency

While we make reasonable efforts to ensure information accuracy, we cannot guarantee that all information is current or complete because:

• Credit card terms change frequently: Banks and financial institutions regularly update interest rates, fees, rewards programs, and eligibility criteria
• Product availability varies: Credit cards may be withdrawn, modified, or replaced without notice
• Promotional offers are time-limited: Special rates and bonus offers often have expiry dates
• Regional variations exist: Some products may not be available in all areas of New Zealand
• Calculation tools are estimates: Our calculators provide indicative figures based on inputs and assumptions

4. Commercial Relationships and Compensation

Credit Card Comparison NZ operates a commercial business model that includes:

4.1 Affiliate Partnerships

• We maintain affiliate relationships with banks and financial institutions
• We may receive commissions when users apply for credit cards through our links
• Commission amounts do not influence our comparison rankings or editorial content
• We clearly identify sponsored or featured content where applicable

4.2 Advertising and Sponsored Content

• We may display advertisements from financial service providers
• Some content may be sponsored by financial institutions
• Sponsored content is clearly labeled and identified
• Editorial independence is maintained for all comparison content

4.3 Editorial Independence

Despite commercial relationships, we maintain editorial independence by:

• Presenting factual comparison data objectively
• Including products from multiple providers in comparisons
• Clearly disclosing commercial relationships
• Separating editorial content from promotional material

5. Limitations and Exclusions

5.1 No Guarantees

We provide no guarantees or warranties regarding:

• Credit card approval: Application outcomes depend on individual circumstances and lender criteria
• Interest rates or terms: Banks may offer different rates based on creditworthiness
• Product availability: Products may be withdrawn or modified
• Service continuity: Our service may be interrupted or discontinued
• Website availability: Technical issues may affect site accessibility

5.2 Limitation of Liability

To the maximum extent permitted by law, Credit Card Comparison NZ excludes liability for:

• Direct or indirect losses arising from use of our service
• Inaccurate or outdated information displayed on our website
• Decisions made based on information from our platform
• Technical issues or website downtime
• Third-party actions or content

6. Third-Party Content and Links

Our website contains links to third-party websites and may display content from external sources:

• No endorsement: Links do not constitute endorsement of third-party websites
• No responsibility: We are not responsible for third-party content or services
• External terms apply: Third-party websites have their own terms and conditions
• Privacy policies differ: External sites may have different privacy practices
• User caution advised: Exercise caution when providing personal information to third parties

7. User Responsibilities

By using our service, you agree to:

• Verify information independently: Check current terms with financial institutions
• Read product disclosure statements: Review official terms before applying
• Consider personal circumstances: Assess your financial situation and needs
• Seek professional advice: Consult qualified advisers for complex situations
• Use tools responsibly: Understand that calculators provide estimates only
• Comply with terms: Follow our website terms of use

8. Regulatory Compliance

Our service operates in compliance with New Zealand law, including:

• Fair Trading Act 1986: We strive to provide accurate information and avoid misleading conduct
• Commerce Act 1986: We compete fairly and transparently
• Privacy Act 2020: We protect user privacy in accordance with our Privacy Policy
• Consumer Guarantees Act 1993: Statutory consumer rights apply where applicable

9. Credit Risk Warning

10. Intellectual Property

All content on Credit Card Comparison NZ, including text, graphics, logos, and software, is protected by copyright and other intellectual property laws. Users may:

• View and use content for personal, non-commercial purposes
• Share links to our pages and articles
• Quote brief excerpts with appropriate attribution

Users may not reproduce, distribute, or create derivative works without written permission.

11. Changes to This Disclaimer

We may update this disclaimer periodically to reflect:

• Changes in applicable law or regulation
• Updates to our business practices
• Improvements to our service offerings
• Clarifications based on user feedback

Material changes will be highlighted on our website. Continued use after changes constitutes acceptance of the updated disclaimer.

12. Contact Information

For questions about this disclaimer, our services, or to report inaccuracies:

13. Dispute Resolution

If you have concerns about our service:

1. Contact us directly using the details above
2. Allow reasonable time for us to investigate and respond
3. Escalate to external bodies if necessary, including:
   • Commerce Commission (fair trading matters)
   • Privacy Commissioner (privacy concerns)
   • Disputes Tribunal (monetary disputes under $30,000)