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Terms & Conditions

Thank you for using

By using this Site, you are agreeing to the following:

Nothing on this site constitutes financial or other advice.  JDJL Limited (JDJL) provides this free service to consumers on an 'as-is' basis without representation to accuracy or suitability for any particular purpose.  The information is provided as a guide only, and is generally factual in nature.  Any recommendation or opinion expressed in relation to a particular product is solely the view of the relevant journalist, provided in the course of their occupation.  It is not 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.  Do not sign any document without taking proper advice from a professional and competent person you trust. 

All rates listed are before income taxes and withholdings and are indicative only.  Always contact the listed financial institution directly to confirm all information before you invest or borrow.  Only the relevant financial institution can provide you with complete, up to date, accurate information. 

We have made all reasonable efforts to keep the information on this site as accurate as possible and ensure that the availability of the site is continuous and fault-free.  However, all information is either sourced from the public domain or is provided by the financial institution named, and there are risks - outside our control - that information may be recorded incorrectly or omitted from the site or that the site may not be available. 

To the extent permitted by law, none of JDJL, the publisher, or anyone else engaged in providing this site or compiling information for it, accepts any liability for inaccuracies, or any loss or damage which may result directly or indirectly from the use of the site or any error in, or omission of, information on the site, irrespective of the cause.

Intellectual Property
We are the owner or the licensee of all intellectual property rights in the Site the Content and the Trade Marks. Subject to these Terms, we grant you a limited, temporary, revocable, and non-exclusive licence to access, browse and use the Site (including the Content and Trade Marks) in accordance with the next paragraph below.

Access and use of the Site
You may use the Site for personal non-commercial use only. You may only download and print extracts of the Content for your own personal non-commercial use.

You may not:

(1) download or print any Content or extracts in a systematic or regular manner or otherwise so as to create a database in electronic or paper form comprising all or part of the Content from the Site; nor

(2) reproduce, republish, modify, archive, distribute, store, archive or commercially exploit the Content without our prior written consent; nor

(3) modify or adapt or create derivative works of the Content; nor

(4) utilise links to this website received as part of a paid-for media monitoring service; nor

(5) systematically forward links to this website within a business or outside a business for business purposes; nor

(6) copy or extract data from this website by means of robots, spiders, crawlers or other automatic devices or by any manual process used to systematically extract or copy web content.

Any such use of this website or the content is prohibited without an appropriate licence. Please contact the PMCA ( or us here.

If you wish to syndicate or licence any Content from this website, please email us at, or contact us by telephone on +64 09 360-9670

At all times when you are accessing, browsing or using or registering for use of the Site, you must do so lawfully and legitimately and without infringing or restricting anyone else’s rights or use and enjoyment of the Site. In particular, you must not use the Site in a manner or upload any material or link to any material which is false, fraudulent, inaccurate or misleading, obscene, offensive, defamatory, abusive or in breach of any third party rights (including intellectual property right).

At any time without notice and in our absolute discretion, we may permanently or temporarily terminate, suspend or deny your access to the Site. At any time without notice and in our absolute discretion, we may remove or edit any Content on the Site. To the fullest extent permitted by law, in both cases none of JDJL Limited (trading as, its directors, employees or other representatives have any liability to you whatsoever for any loss or damage arising from such removal or editing or any restriction or hindrance to your use of the Site, email services or password.

We may collect and store information about the way this site is used.  This may include sending a 'cookie' to your computer which identifies your computer uniquely but does not identify you.

We will not collect, store or use any information about you personally except as provided by you and only to the extent necessary to provide information requested by you.

If you give us permission to contact you, or if you sign up to be a Supporter, or to receive Notifications or regular Newsletters, we will take that signup to be permission to contact you for or about those products and any related aspects. To deliver these services we will ask you for current contact information and we will contact you subsequently to keep this information current. You can unsubscribe at any time.

If you wish to access or request correction of personal information, please contact us.

IMPORTANT: You should also READ THIS.

We may modify or update or change these conditions from time to time with or without notice to you. Amendments will come into effect as soon as they are posted on this website.  You are responsible for reviewing these and will be taken as accepting the then current conditions each time you choose to use the site.

This site and these conditions are governed by and to be interpreted in accordance with the laws of New Zealand. The New Zealand courts will have exclusive jurisdiction.

This page was updated on October 10, 2021.