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Website Terms & Conditions

Outlined below are the Terms and Conditions of access to, and use of, the Liquid Financial Advice website.

These Terms and Conditions apply to this website (Website). The terms “we”, “us” and “our” are a reference to Liquid Financial Solutions Ltd (Trading as Liquid). References to “you” and“your” are a reference to you. By accessing this Website and or using the information provided on or via this Website you agree to be bound by these Terms and Conditions.

The terms and conditions below cover:

  1. Use of this Website
  2. Third party information
  3. Intellectual property
  4. Exclusion of Liability
  5. Amendments
  6. Governing Law

Use of this Website

The information provided on or via this Website is for information only and should not be used as a substitute for any form of advice. The information on this Website does not consider your financial position, needs, goals or risk tolerance. Before making any financial decisions,we recommend you contact your adviser and consider any applicable Product Disclosure Statement or other terms and conditions.

Although we attempt to provide accurate, complete and up-to-date information, which has been obtained from sources that we consider reliable, we make no warranties or representations, express or implied, as to whether information provided on or via this Website is accurate,complete, up-to-date or suitable for your intended use.

We do not represent or warrant that this Website functions without error or interruption or is free from viruses. Our Website may be unavailable at our discretion.

Use of this Website that may hinder the use of other internet users, that can endanger or jeopardise the functioning of this Website,affect the information provided on or via this Website or the underlying software, or is in breach of any law is not permitted.

Third Party Information, Products and Services

Where we provide links to third party Websites,such links are not an endorsement by us of any products or services provided on or via such Websites. The use of such links is entirely at your own risk and we accept no responsibility or liability for the content, use or availability of such Websites. We have not verified the truth, accuracy, reasonability, reliability, and completeness of any content of such Websites.

Intellectual Property

We retain all rights (including copyrights,trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this Website (including all texts, graphics and logos). You may not copy, download, publish, distribute or reproduce any of the information contained on this Website in any form without our prior written consent or the appropriate consent of the owner. However, you may print and/or download information contained on this Website for your own personal use and you are responsible for the security of the printed or downloaded information. You must not remove or hide any copyright or proprietary notices or terms of use on the copies or downloads.

Online Communication

Messages that you send to us by e-mail may not be secure. If you choose to send any messages to us via e-mail, you accept the risk that they may be intercepted, misused and modified by a third party.

Exclusion of Liability

To the extent permissible at law, neither we nor any of our third party suppliers shall be liable for any direct, indirect,special, incidental, consequential, punitive, or exemplary loss, damage, cost or expense including lost profits (even if we are advised of the possibility thereof) arising in any way from or in connection with any of the following:

  1. Your use of our Website
  2. Any unauthorised use of your information
  3. The information provided on or via this Website including any errors or omissions on the Website or any reliance on the information, reports, statements, tools or calculators
  4. Any defects, viruses and any other malfunctions caused to any equipment and other software in connection with access or use of this Website
  5. Interception, modification or misuse of information transmitted to us or transmitted to you
  6. Functioning or unavailability of this Website
  7. Misuse of this Website
  8. The loss of data
  9. Claims of third parties in connection with the use of this Website.

The exclusion of liability is also made for the benefit of our directors and employees.

If for any reason we are found to be responsible to you for damage arising out of your use of this Website our liability to you for all damages, losses and claims (including in contract, tort, negligence or otherwise) will be limited to the amount paid by you, if any, for accessing our Website.

If you are a business or using this Website for the purpose of a business you agree that the Consumer Guarantees Act does not apply.


We reserve the right to change the information and services provided on or via this Website, including these Terms and Conditions,at any time and without notice. We recommend that you review the information provided on or via this Website, including these Terms and Conditions,periodically for changes. Your use of the Website following any changes to the Website or the Terms and Conditions indicates your acceptance of the changes.

Governing Law

These terms and conditions are governed by New Zealand law and the New Zealand courts shall have exclusive jurisdiction.

This Website and the products and services have been designed in accordance with New Zealand laws and all users agree the courts of New Zealand the exclusive jurisdiction. The Website is not designed for any other jurisdiction and is not an offer or solicitation in any other jurisdiction.