Last updated: February 16, 2019

  1. Please read these Terms of Use ("Terms", "Terms of Use") carefully before using the closingthegap.co.nz website (the "Service") operated by Closing the Gap ("us", "we", or "our").

  2. Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

  3. By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

    DISCLAIMER

  4. The information provided through the Service is general in nature and is not intended to constitute financial advice.

  5. We are not qualified financial providers for the purposes of New Zealand law, and therefore cannot provide you with personalised financial advice. Nothing on the closingthegap.co.nz website is intended to constitute personalised financial advice.

  6. You are responsible for your own investment decisions and we are not responsible or liable for any loss you may suffer if you make an investment decision on the basis of the Service.

    LINKS TO OTHER WEBSITES

  7. Our Service may contain links to third-party web sites or services that are not owned or controlled by Closing the Gap.

  8. Closing the Gap has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party websites or services. You further acknowledge and agree that Closing the Gap shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

  9. We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

    TERMINATION

  10. We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

  11. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

    GOVERNING LAW

  12. These Terms shall be governed and construed in accordance with the laws of New Zealand, without regard to its conflict of law provisions.

  13. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

    CHANGES

  14. We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

  15. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

    CONTACT US

  16. If you have any questions about these Terms, please contact us.