Terms and conditions

The following terms and conditions apply to the use of this website. If you would like further information, please contact us.


The Commission for Financial Literacy and Retirement Income has made every effort to ensure that the information provided is reliable and accurate at the time of publishing.

However, neither the Commission for Financial Literacy and Retirement Income nor any of its employees make any express or implied representations or warranties regarding the material and facilities contained or referred to in this site, nor do we accept any liability for any loss or damage whatsoever which may arise in any way out of the use of any of the material or facilities; for errors in or omissions from the material or facilities; or for the accuracy of any information obtained through use of this site.

We cannot guarantee that the Commission website will always be available, accessible or free of errors.

Articles or reports by named authors express their views, and do not necessarily reflect the views of the Commission for Financial Literacy and Retirement Income.

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Continuity of service

The Commission for Financial Literacy and Retirement Income makes no warranty or representation, express or implied, as to continuity of service and reserves the right to suspend, terminate or otherwise alter access to some or all of the site's services at any time and without notice.

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Links from other sites to this website

You are welcome to create a hyperlink to this site from another website. However, this link must not be presented on your site in any context that implies that this website has an association with your site, or endorses your site or product.

The Commission for Financial Literacy and Retirement Income logo may not be used on your site without the Commission for Financial Literacy and Retirement Income's permission.

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Links to third party websites

The Commission for Financial Literacy and Retirement Income does not accept any liability for the accuracy or content of information on this website belonging to third parties, nor for the accuracy or content of any third-party website that you may access via a hyperlink from this site. When visiting other websites, please refer to the conditions of use and copyright policies of those sites.

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The Commission for Financial Literacy and Retirement Income may revise these terms and conditions of use at any time. Any such revisions will take effect upon notice to users by way of a posting to this website detailing the respect(s) in which the terms have changed.

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This website provides links to, and portions of content from, public sector websites (together, "material"). To the extent that copyright subsists in such material, it is owned by or licensed to the Crown or other public sector bodies from whose websites it has been sourced.

Such material may only be reproduced in accordance with permissions granted by the department, entity or organisation from whose website the material has been sourced. Those permissions should be apparent from the copyright statement on the relevant website. If not, please contact the relevant department, entity or organisation.

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We collect statistical information which is used for making the site faster and easier to use. Your visit is anonymous – information from your visit is combined with the data from all site visitors and presented as statistical information on overall site use.

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Most web browsers are set to accept cookies. Cookies on this site do not store any personal data and are deleted when you close your browser.

If you prefer not to use cookies, you can still use this website. You can set your browser to refuse cookies or to warn you when you are about to receive one. Check the Help instructions in your web browser to find out how to disable cookies.

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We have endeavoured to comply with the World Wide Web Consortium's Accessibility Initiative and the New Zealand Government's Web Standards. If you are unable to access any of the information or need pdf files in another format, please .

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