Terms & Conditions

Effective Date: 03/07/2025

Welcome to Finpla. These Terms and Conditions ("Terms") govern your use of our website (www.finpla.co.nz) and the tools, content, and services provided by Finpla Limited ("we", "us", or "our").

By accessing or using our website, you agree to these Terms. If you do not agree, please do not use the site.

1. Who We Are

Finpla Limited is a UK-registered company operating in New Zealand. We provide online tools, content, and services to help New Zealanders make more informed financial decisions by connecting them with qualified advisors.

We are not a licensed financial advisor, and we do not provide personalised financial advice.

2. What We Provide

Our website offers:

Free online financial tools and calculators (e.g. mortgage, KiwiSaver, personal loan)
General financial education and insights
A service to connect users with financial experts or advisors (third parties)

The content and tools are for general informational purposes only. They are not intended as personalised financial, legal, or investment advice.

3. No Advice or Financial Guarantee

While we aim to provide helpful tools and connections, we do not guarantee that any information, result, or connection will meet your personal financial needs or goals.

Always seek advice from a qualified financial advisor or provider before making decisions based on the information you find on this site.

4. Your Responsibilities

By using our website, you agree to:

Use the site only for lawful and personal purposes
Provide accurate information if submitting forms or chat queries
Not misuse, hack, or disrupt the platform or other users
Accept that any results or estimates from our tools are general and may not reflect your full financial situation

5. Third-Party Advisors & Links

We may connect you with external financial advisors or link to third-party websites. These third parties operate independently, and we are not responsible for:

The accuracy or quality of advice they provide
Any agreements or services you enter into with them
The content or policies of external websites

Always check a provider's credentials and read their terms before engaging.

6. Limitation of Liability

To the maximum extent permitted by law, Finpla Limited is not liable for:

Any loss, damage, or expense arising from your use of this site or our tools
Decisions you make based on the calculators, chatbot responses, or advisor connections
Any issues that result from third-party services or advisor interactions

7. Intellectual Property

All content, branding, design, and tools on this website are the property of Finpla Limited unless stated otherwise. You may not reproduce, distribute, or modify them without our written permission.

8. Privacy

Your use of this website is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal data.

9. Changes to These Terms

We may update these Terms from time to time. When we do, we’ll post the updated version on this page and update the effective date above. Continued use of the site means you accept the revised terms.

10. Contact Us

If you have any questions about these Terms, please contact:

Finpla Limited
128 City Road, London EC1V 2NX
Email: support@finpla.co.nz