Website terms and conditions
In these terms:
- “You” means the person accessing or using this website. “Your” has a corresponding meaning.
- “We” means Kiwibank Limited and our successors and assignees. “Our” and “us” have a corresponding meaning.
heaps!
heaps! is a personal financial management service available to Kiwibank internet banking customers. heaps! is an electronic banking service and our General Terms and Conditions for personal banking apply accordingly.
heaps! blog
The views and opinions of contributors to the heaps! blog, including those submitted as comments, are their own and are not provided or endorsed by us. Views and opinions expressed on the heaps! blog by contributors related to us are those of the contributors and do not necessarily reflect our views or opinions.
The views, opinions and information expressed in the heaps! blog are provided for general information only and not as financial, investment or tax advice, and as such you should not rely on them as the sole basis for any financial decision. You should obtain professional investment advice tailored to your specific circumstances and needs prior to making any investment decision.
By submitting content to the heaps! blog:
- you warrant that the content is not defamatory, unlawful, threatening, obscene, abusive or otherwise objectionable, and will not result in a breach of privacy of any person;
- you warrant that the content is either your own intellectual property or that you have a right to redistribute the content and that in redistributing the content we will not be held liable for a breach of any intellectual property rights, by you or any other person;
- you agree to take responsibility for the content and accept that the content may be edited, deleted or not used; and
- you grant us an irrevocable right to use, amend, alter, moderate and redistribute the content online and offline use we choose, including use in our promotional and advertising material.
Changes to this website
We may change the information on this website, including these terms, at any time. By continuing to use this website after any changes have been made, you acknowledge that you will continue to be bound by these terms.
General information
The content of this website is for your information only – it is not advice.
We will try to make sure that the information on this website is accurate and up to date, but we do not guarantee that the information we provide is reliable, accurate, or suitable for what you may want to use it for.
You are responsible for refreshing your browser cache (the temporary storage area in memory or on disk that holds the most recently downloaded web pages) to ensure that the page you are viewing is up to date.
Before you rely or act on any of the information on this website, you should get independent professional advice.
Who is this website for?
Unless we specifically say otherwise:
- the information on this website is provided for New Zealand residents only; and
- any services offered or described on this website are available to New Zealand residents only.
Liability
You use this website at your own risk.
We will not be liable for any loss or damage (direct or otherwise) you suffer in connection with your use of this website or of any linked website or your use of, or reliance on, information contained on or accessed through this website or any linked website.
We exclude any condition or warranty that could be implied into these terms (but only to the extent that this is allowed by law).
You acknowledge and accept that we are not responsible for, and assume no liability for, mistakes, misstatements of law or fact, defamation, omissions, falsehood, obscenity or profanity in the statements, opinions, representations or any other form of information posted on the heaps! blog.
The reports, forecasts, statements or returns generated by you using heaps! are not intended for use with or by third parties and no reliance should be placed on them. Any outputs created using heaps! are prepared in reliance on information provided by you and are not a substitute for personal judgment or specialist advice and as such, you should exercise care when compiling, coding or inputting information into heaps!. heaps! will not give you a complete picture of your finances, for example if you have funds in accounts with other financial institutions, third party debts or if you have retirement savings in a superannuation scheme. We will not be liable to you for any direct or indirect costs, losses, damage or other liability resulting from your use of, or reliance on heaps! to the extent permitted by law.
Hypertext links
This website may contain hypertext links to other websites that are not operated by us. These links are provided for your convenience and interest only.
We will not investigate or monitor the hypertext links to other websites. You link to them at your own risk. We are not responsible for the information contained on any website that you link to from this website.
You must not create a hyperlink to any of the pages of this website unless we give you our written consent first.
If you create a hypertext link to this website, you are responsible for all direct and indirect consequences of the link. You must indemnify us for all loss we suffer in connection with any link you have created.
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