Introduction

Welcome to the website of Zigi Financial Services Limited trading as Advisenow (FSP1007853) (“Advisenow”, “we”, “us”, or “our”).

By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree, you must not use this website.

These Terms should be read alongside our Privacy Policy.

Use of Website

This website is intended to provide general information about our mortgage, insurance, and financial advisory services.

You agree to use this website:

• For lawful purposes only

• In a way that does not infringe the rights of others

• Without attempting to compromise the website’s security or functionality

You must not:

• Attempt to gain unauthorised access to any part of the website or systems

• Transmit harmful or malicious content

• Use this website in any way that may damage or impair its performance

No Financial Advice Disclaimer

The information on this website is general in nature and does not constitute personalised financial advice.

Any financial decisions should be made only after:

• Obtaining tailored advice from a qualified financial adviser

• Considering your personal financial situation, goals, and needs

Advisenow accepts no liability for reliance on information contained on this website without seeking professional advice.

Intellectual Property

All content on this website, including text, branding, logos, graphics, and design, is the property of Advisenow unless otherwise stated.

You may:

• View and download content for personal use

You may not:

• Copy, reproduce, distribute, or modify content without our prior written consent

Privacy and Personal Information

We collect, use, and store personal information in accordance with the New Zealand Privacy Act 2020 and our Privacy Policy.

By using this website, you acknowledge that:

• You may provide personal information voluntarily

• We may use your information to contact you, provide services, and improve our offerings

For full details, please refer to our Privacy Policy.

Third-Party Links

This website may contain links to third-party websites.

We:

• Do not control or endorse those websites

• Are not responsible for their content or privacy practices

You access third-party sites at your own risk.

Security and Internet Use

While we take reasonable steps to maintain secure systems:

• Information transmitted over the internet is at your own risk

• We cannot guarantee complete security of data transmissions

We may use cookies and third-party tools to:

• Monitor website usage

• Improve performance

• Prevent unauthorised access

Limitation of Liability

To the maximum extent permitted by law:

• Advisenow is not liable for any loss, damage, or expense arising from use of this website

• This includes direct, indirect, or consequential loss

This limitation applies even if we have been advised of potential loss.

Availability of Website

We do not guarantee that:

• The website will always be available

• The website will be free from errors or interruptions

We may update, suspend, or withdraw the website at any time without notice.

Changes to These Terms

We may update these Terms of Use at any time by publishing revised terms on this website.

Continued use of the website indicates your acceptance of the updated Terms.

Governing Law

These Terms are governed by the laws of New Zealand.

Any disputes will be subject to the jurisdiction of New Zealand courts.

Contact Us

If you have any questions regarding these Terms of Use, please contact us through our website: www.advisenow.co.nz

Effective Date: 30-04-2026