Terms & Conditions

Last updated: December 2025

1. Acceptance of Terms

By accessing and using the Kiwi Tiaki website, you accept and agree to be bound by these Terms and Conditions.

2. Our Services

Kiwi Tiaki provides:

  • Educational content about insurance
  • Referrals to licensed financial advisers
  • A free phone consultation service

We do not provide financial advice. We are not a licensed Financial Advice Provider (FAP).

3. Educational Content Disclaimer

All content on this website is for general educational purposes only. It does not constitute financial advice and should not be relied upon as such. Individual circumstances vary — for personalised advice, please consult a licensed financial adviser.

4. Referral Services

When you request a referral:

  • We connect you with licensed financial advisers
  • We may receive a commission from the adviser if you proceed with their services
  • You are under no obligation to use any adviser's services
  • Any advice received comes from the adviser, not from Kiwi Tiaki

5. User Responsibilities

You agree to:

  • Provide accurate information when contacting us
  • Use our services for lawful purposes only
  • Not misuse or attempt to harm our services

6. Limitation of Liability

Kiwi Tiaki is not liable for any decisions you make based on information from this website. We do not guarantee the accuracy, completeness, or suitability of any information provided.

7. Intellectual Property

All content on this website, including text, graphics, and logos, is the property of Kiwi Tiaki and is protected by copyright law.

8. Changes to Terms

We may update these terms from time to time. Continued use of our website constitutes acceptance of any changes.

9. Governing Law

These terms are governed by the laws of New Zealand.

10. Contact

For questions about these terms, contact us at [email protected].