Terms of Service

1. About this service

Nudge by Staffords provides a digital experience designed to help users better understand KiwiSaver concepts and scenarios. The information presented is general in nature and does not take into account your specific financial situation, goals, or risk tolerance.

This platform is not a personalised financial advice service under the Financial Markets Conduct Act 2013. You should consider seeking independent financial advice before making investment decisions.

2. Eligibility

By using this service you confirm that you are at least 16 years old and that any information you provide is true and correct to the best of your knowledge.

3. Your responsibilities

When using this platform, you agree to:

• Provide accurate and not misleading information when requested.
• Use the service only for lawful purposes.
• Not attempt to interfere with the security or proper operation of the platform.

4. Data and privacy

We handle your personal information in line with our Privacy Policy and the New Zealand Privacy Act 2020. By using this service, you consent to the collection and use of your information as described in the Privacy Policy.

5. Availability and changes

We aim to provide a reliable service but do not guarantee uninterrupted access. We may suspend, modify, or discontinue parts of the platform at any time, for example to maintain or improve the service or to comply with regulatory requirements.

6. Disclaimers and liability

To the maximum extent permitted by New Zealand law, the service is provided on an "as is" basis without warranties of any kind, whether express or implied. We do not guarantee that the information presented is complete, up to date, or suitable for your particular circumstances.

To the extent allowed by law, we are not liable for any loss, damage, or costs (including consequential or indirect loss) arising from your use of, or reliance on, this platform. Nothing in these Terms limits any rights you may have under the Consumer Guarantees Act 1993 that cannot lawfully be excluded.

7. Third-party services

The platform may link to or rely on third-party services (for example, hosting, analytics, or data providers). We are not responsible for the content, security, or practices of third-party websites or services.

8. Governing law

These Terms are governed by the laws of New Zealand. Any disputes arising in connection with these Terms or your use of the platform are subject to the non-exclusive jurisdiction of the New Zealand courts.

9. Changes to these Terms

We may update these Terms from time to time. When we do, we will update the date at the bottom of this page. By continuing to use the service after changes take effect, you agree to the updated Terms.