Terms of Service

Welcome to First Home Buyers Guide NZ ("we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website, services, and content (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Services.

We operate under the FMCA Section 389 referrer exemption and provide educational information only. We are not registered financial advisers.

**What We Provide:**

• Educational content about buying your first home in New Zealand
• Calculators and tools to help you understand your financial position
• Suburb guides and market information
• Referrals to mortgage advisors, lenders, and other service providers
• Checklists and resources to guide you through the home buying process

Important Limitations:

• We provide information for educational purposes only
• We do not provide financial advice
• Our calculators provide estimates only and should not be relied upon as financial advice
• We do not guarantee the accuracy of third-party information
• Property market conditions change regularly, and information may become outdated

To use our Services, you must:

• Be at least 18 years of age
• Be a New Zealand resident or citizen, or be genuinely interested in buying property in New Zealand
• Provide accurate and truthful information when using our Services
• Use our Services only for lawful purposes

We reserve the right to refuse service to anyone for any reason at any time.

**How Our Referral Service Works:**

We may refer you to mortgage advisors, lenders, lawyers, and other service providers who can assist with your home buying journey.

Commission Disclosure:

• We receive commissions from some of our partner providers when you use their services
• Commissions typically range from $200 to $500 per successful referral
• We will always disclose any commission relationship before making a referral
• You are under no obligation to use our referred providers
• You are free to choose any service provider you prefer

Our Partners:

All partners we refer you to are independent businesses. We do not control their services, fees, or practices. We recommend you conduct your own due diligence before engaging any service provider.

**Important Legal Notice:**

First Home Buyers Guide NZ operates under the Financial Markets Conduct Act 2013 (FMCA) Section 389 referrer exemption. This means:

• We are NOT registered financial advisers
• We do NOT provide financial advice
• Any information we provide is for educational purposes only
• You should always seek independent professional advice before making financial decisions

Before Making Decisions:

We strongly recommend consulting with: • A registered financial adviser • A mortgage broker or lender • A property lawyer • An accountant or tax professional

Your individual circumstances are unique, and professional advice tailored to your situation is essential.

**Ownership:**

All content on our website, including but not limited to text, graphics, logos, images, calculators, and software, is the property of First Home Buyers Guide NZ or our content suppliers and is protected by New Zealand and international copyright laws.

Permitted Use:

You may: • View and download content for personal, non-commercial use • Share links to our content on social media • Print pages for personal reference

Prohibited Use:

You may not: • Reproduce, duplicate, copy, sell, or exploit our content for commercial purposes • Modify or create derivative works from our content • Use our content in any way that could damage our reputation • Remove any copyright or proprietary notices from our content • Use automated systems to access or scrape our website

When using our Services, you agree not to:

• Use our Services for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our Services
• Submit false or misleading information
• Harass, abuse, or harm others
• Impersonate any person or entity
• Collect personal information about other users
• Post spam or unsolicited commercial content
• Introduce viruses or malicious code

We reserve the right to terminate your access to our Services for violations of these terms.

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

By using our Services, you consent to the collection and use of information as described in our Privacy Policy.

We comply with the Privacy Act 2020 and are committed to protecting your personal information.

**To the Maximum Extent Permitted by Law:**

• We provide our Services "as is" without warranties of any kind
• We are not liable for any direct, indirect, incidental, special, or consequential damages
• We are not responsible for decisions you make based on information from our Services
• We are not liable for the actions or services of third-party providers we may refer you to
• Our total liability to you shall not exceed NZD $100

Indemnification:

You agree to indemnify and hold harmless First Home Buyers Guide NZ, its directors, employees, and agents from any claims, damages, or expenses arising from your use of our Services or violation of these Terms.

No Guarantee:

We do not guarantee that: • Our Services will be uninterrupted or error-free • Any information is accurate, complete, or current • You will successfully purchase a home using our Services • Any particular lender will approve your application

We may update these Terms from time to time. Changes will be effective immediately upon posting to our website.

Your continued use of our Services after any changes indicates your acceptance of the updated Terms.

We recommend reviewing these Terms periodically. The "Last Updated" date at the top of this page indicates when these Terms were last revised.

These Terms are governed by and construed in accordance with the laws of New Zealand.

Any disputes arising from these Terms or your use of our Services shall be subject to the exclusive jurisdiction of the courts of New Zealand.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

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

**First Home Buyers Guide NZ**

Email: legal@firsthomebuyersguide.co.nz

We aim to respond to all inquiries within 2 business days.

**Postal Address:** First Home Buyers Guide NZ PO Box [Number] Auckland [Postcode] New Zealand