TERMS AND CONDITIONS
By visiting our site, you are deemed to have accepted the following terms and conditions of use:
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General Disclaimer
This website is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product.
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Legal Information
This website www.knowrisk.co.nz (the “Site“) is owned and operated by Peter Urbani trading as KnowRisk Consulting. Your access to the Site is subject to the terms and conditions set out in this notice as well as disclaimers and any other terms and conditions or other statements contained on the Site (referred to collectively as the “Terms and Conditions“). By using the Site you agree to the Terms and Conditions.
This Site is based in New Zealand. References to currency for the purpose of purchases are in New Zealand dollars unless otherwise stated.
This website is for general information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product.
KnowRisk Consulting makes every effort to ensure the information in the Site is correct, but does not warrant its accuracy or completeness. KnowRisk Consulting has reasonable grounds for any opinion or recommendation found on the Site, at the date the relevant part of the Site was last updated. However, KnowRisk Consulting and its directors, employees and agents are not liable for any loss or damage incurred by any person as a result of any error in any information, opinion or recommendation in the Site (whether due to the negligence of KnowRisk Consulting or its directors, employees and agents, or otherwise). This does not limit any rights a person has under the Fair Trading Act. Any projections or predictions are not guaranteed and are merely an expression of opinion. Information about past performance is not necessarily an indication of future performance.
While KnowRisk Consulting regularly updates its virus protection software, it cannot ensure against malicious attacks on the Site. It is your responsibility to ensure that any downloads made from the Site and emails received in your system are scanned for viruses. KnowRisk Consulting does not guarantee that the Site or the information contained in it will be free from unauthorised access, or that access to the Site will be uninterrupted. KnowRisk Consulting will not be liable for any loss, damage, claim or expense arising from unauthorised access to the Site or the information (including client records) contained in it.
KnowRisk Consulting owns copyright in all content of the Site unless otherwise indicated. The Site also contains a number of trademarks, logos and symbols which are either owned by KnowRisk Consulting or used with the permission of the owners.
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Through this website you may be able to link to other websites which are not under the control of KnowRisk Consulting. KnowRisk Consulting has no knowledge of or control over the nature, content, and availability of those websites. KnowRisk Consulting does not sponsor, recommend, or endorse anything contained on these linked websites. KnowRisk Consulting does not accept any liability of any description for any loss suffered by you by relying on anything contained or not contained on these linked websites.
Every effort is made to keep the website up and running smoothly. However, KnowRisk Consulting takes no responsibility for, and will not be liable for, any loss you may suffer due to the website being temporarily unavailable either during its planned maintenance or due to technical or other issues beyond our control.
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You may use the information in the Site for your personal reference only. Except as permitted by law, you must not reproduce, adapt, upload, download, link to, frame, perform in public, transmit or distribute any content from this Site or any part of it (in whatever form or by whatever process) without prior written approval from KnowRisk Consulting. KnowRisk Consulting will not be responsible for any loss or damage arising from any of the above acts which are not authorised by KnowRisk Consulting.
KnowRisk Consulting may modify the Terms and Conditions at any time and you agree to continue to be bound by these Terms and Conditions as modified. The revised Terms and Conditions will be published on the Site without other notice to you.
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FURTHER INFORMATION
Definition of Financial Advice - Financial Markets Conduct Act 2013
Interpretation
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431C Meaning of financial advice and regulated financial advice
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(1) A person gives financial advice if the person—
(a) makes a recommendation or gives an opinion about acquiring or disposing of (or not acquiring or disposing of) a financial advice product; or
(b) makes a recommendation or gives an opinion about switching funds within a managed investment scheme; or
(c) designs an investment plan for a person that—
(i) purports to be based on—
(A) an analysis of the person’s current and future overall financial situation (including investment needs); and
(B) the identification of the person’s investment goals; and
(ii) includes 1 or more recommendations or opinions on how to realise 1 or more of those goals; or
(d) provides financial planning of a kind prescribed by the regulations.
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(2) However, a person does not give financial advice merely by doing 1 or more of the things set out in clause 7 of Schedule 5.
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(3) Financial advice is regulated financial advice if—
(a) it is given in the ordinary course of a business; and
(b) it is not excluded under any of clauses 8 to 18 of Schedule 5.
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(4) Subsections (1) and (3) are subject to a declaration under section 562(1)(gb).
Section 431C: inserted, on 15 March 2021, by section 29 of the Financial Services Legislation Amendment Act 2019 (2019 No 8).
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Please follow this link for further guidance on Financial Advice from the Financial Markets Authority (NZ).