Terms of Use – Kiwi Finance Tools
Last updated: April 2026
These Terms of Use (“Terms”) govern your access to and use of the Kiwi Finance Tools website at kiwifinancetools.com (“the Site”, “we”, “us”, “our”). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
1. General Information Only
The calculators, content, and tools provided on Kiwi Finance Tools are for educational and informational purposes only. They are designed to provide mathematical estimates based on user inputs and publicly available New Zealand settings (for example, general Inland Revenue tax rates and Reserve Bank of New Zealand guidelines), but may not include every rule or your specific circumstances.
Nothing on this website is intended to be, or should be taken as, personalised financial, investment, legal, or tax advice. We are not licensed financial advisers and we do not consider your personal objectives, financial situation, or needs.
You should always seek advice from a suitably qualified professional before making major financial decisions, such as securing a mortgage, changing your KiwiSaver fund, or finalising tax obligations.
2. No Guarantee of Accuracy
We aim to keep our calculators and content up to date and accurate, but we do not guarantee that any information, assumptions, or outputs on the Site are complete, current, or error‑free.
Use of the Site and reliance on any calculations or information is at your own risk. You are responsible for checking any results against official sources or professional advice before making decisions.
3. Zero‑Data Calculator Policy
Our financial calculators are built using client‑side technology. The figures you enter (such as income, mortgage details, or KiwiSaver balances) are processed in your own web browser and are not sent to our servers.
We do not collect, store, or view the specific financial numbers you enter into our tools. For more detail on what information we do collect (such as basic analytics and log data), please see our Privacy Policy.
4. Intellectual Property
Unless stated otherwise, all content on the Site – including text, design, layout, logos, and calculator logic – is owned by or licensed to Kiwi Finance Tools. You may view and use the Site for your own personal, non‑commercial purposes.
You must not reproduce, distribute, modify, sell, or create derivative works from any part of the Site without our prior written consent, except as permitted by New Zealand law.
5. Acceptable Use
You agree not to use the Site:
- For any unlawful purpose.
- To attempt to gain unauthorised access to our systems or disrupt the Site’s operation.
- To scrape or harvest data from the Site in a way that could harm our services or users.
We may suspend or restrict access to the Site if we reasonably believe you have breached these Terms.
6. Third‑Party Links
The Site may contain links to third‑party websites or services. These links are provided for convenience only. We do not control, endorse, or assume responsibility for the content, products, services, or privacy practices of any third‑party sites.
You access third‑party websites at your own risk.
7. Limitation of Liability
To the maximum extent permitted by New Zealand law, Kiwi Finance Tools and its owners, contributors, and affiliates will not be liable for any loss, damage, or costs (including indirect or consequential loss) arising out of or in connection with:
- Your use of, or inability to use, the Site; or
- Your reliance on any calculators, estimates, or information provided on the Site.
Nothing in these Terms excludes liability where it cannot be excluded under applicable law.
8. Jurisdiction and Governing Law
The Site is intended primarily for users in New Zealand. These Terms are governed by the laws of New Zealand, and you submit to the exclusive jurisdiction of the New Zealand courts in relation to any dispute arising out of or in connection with the Site or these Terms.
9. Changes to These Terms
We may update these Terms from time to time to reflect changes to our services or for legal, regulatory, or operational reasons. When we make changes, we will post the updated Terms on this page and update the “Last updated” date above.
Your continued use of the Site after any changes are posted will be taken as acceptance of the updated Terms.
10. Contact Us
If you have any questions about these Terms, our calculators, or how the Site works, please contact us at:
Email: kiwifinancetools@gmail.com
We will do our best to respond within a reasonable time.