Website Terms of Use

Last updated: June 2026

1. Acceptance of Terms

By accessing and using this website (https://smartbrokers.co.nz) (‘Website’), you agree to comply with and be bound by these Terms of Use. If you do not agree to these Terms, you must not use this Website.

We may update these Terms at any time, and changes will take effect once published on this Website.

2. About Us and Financial Advice Provider Status

This Website is operated by Smart Brokers Limited trading as SMART (‘we’, ‘us’, ‘our’). We are a licensed Financial Advice Provider (FAP) under the Financial Markets Conduct Act 2013 (FSP327666).

Any financial advice we provide is subject to separate client engagement and disclosure documentation, which will be provided to you where required.

3. No Financial Advice (Website Content)

The content on this Website is provided for general information and educational purposes only and does not constitute personalised financial advice. No adviser-client relationship is formed by your use of this Website alone.

Before making any financial decisions, you should seek personalised advice tailored to your individual circumstances.

4. Client Engagement and Advice Relationship

A formal financial advice relationship is only established when:

You engage us directly; and
We agree to provide advice; and
You receive and accept our disclosure documentation

Until that time, we are not acting as your financial adviser.

5. Use of Website

You agree to use this Website only for lawful purposes and in a way that does not:

Breach any laws or regulations
Infringe the rights of others
Interfere with the Website’s operation
Introduce malicious or harmful material

We may suspend or terminate access for any misuse.

6. Intellectual Property

All Website content (including text, videos, frameworks, tools, calculators, and coaching materials) is owned by or licensed to us. You may use this content for personal use only. You must not:

Copy, reproduce, distribute, or commercialise content
Share paid or restricted programme materials
Use our intellectual property for competing services

7. Coaching Programmes and Educational Content

We provide coaching programmes, including the SMART Home Loans – Rapid Repay Coaching Programme (www.smrrcp.co.nz). All coaching content:

Is educational in nature
Does not guarantee financial outcomes
Is dependent on your personal implementation and circumstances

We make no guarantees regarding mortgage repayment speed, financial results, or interest savings.

8. Third-Party Services and Referrals

We may refer you to lenders, insurers, and service providers, receive referrals from third parties, or use third-party platforms to deliver services. We are not responsible for third-party decisions (such as loan approval or insurance acceptance), or their terms, conditions, or privacy practices.

9. Information You Provide

If you provide information via this Website, you confirm that:

The information is accurate and complete
You are authorised to provide it
You have obtained consent from any third party whose information you provide

You acknowledge that we may rely on this information when providing services.

10. Electronic Communications and Consent (SMS, Email, AI Contact)

By submitting your details through this Website or engaging with us, you consent to being contacted via email, phone, and SMS (including automated or AI-assisted messaging systems). These communications may include responses to enquiries, follow-ups, service-related messages, and marketing communications where permitted by law.

You may opt out of marketing communications at any time by following unsubscribe instructions or contacting us directly. We comply with the Unsolicited Electronic Messages Act 2007 in all electronic marketing.

11. Cookies and Tracking Technologies

Our Website uses cookies and similar tracking technologies to improve user experience, analyse website traffic, and support our marketing activities (including Meta/Facebook and YouTube advertising). By continuing to use our Website, you consent to our use of cookies as described in our Privacy Policy.

You can disable cookies through your browser settings, though this may affect some Website functionality.

12. Privacy and Indirect Collection (IPP3A)

Your use of this Website is governed by our Privacy Policy (www.smartbrokers.co.nz/privacy-policy). We may collect personal information both directly and indirectly (including via referrals and third parties). Where we collect your information indirectly, we will comply with our obligations under the Privacy Act 2020, including Information Privacy Principle 3A (IPP3A).

13. No Guarantees or Warranties

To the maximum extent permitted by law, we make no warranties that:

The Website content is accurate, complete, or up to date
The Website will be uninterrupted or error-free
The Website is free from viruses or harmful components

14. Limitation of Liability

To the maximum extent permitted by law, we are not liable for any loss arising from your use of this Website, decisions made based on Website content, or third-party outcomes (including lending or insurance decisions). This includes financial loss, loss of opportunity, and indirect or consequential loss.

Nothing in these Terms limits your rights under New Zealand consumer law where applicable.

15. Security and Misuse

You must not attempt to gain unauthorised access to our systems, interfere with Website functionality, or use the Website for fraudulent or unlawful purposes. We may take legal action where necessary.

16. Website Availability

We may modify or remove Website content, suspend or discontinue the Website, or restrict access without notice. We are not liable for any unavailability.

17. Complaints

If you have a complaint about our services, please refer to our Complaints page (www.smartbrokers.co.nz/complaints) for our internal complaints process and information about the Financial Dispute Resolution Service (FDRS), our approved external dispute resolution scheme.

FDRS provides a free, independent dispute resolution service. Contact FDRS at enquiries@fdrs.org.nz or 0508 337 337.

18. Governing Law

These Terms are governed by the laws of New Zealand. Any disputes will be subject to the exclusive jurisdiction of New Zealand courts.

19. Contact Us

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

Email: info@smartbrokers.co.nz
Phone: 0800 405 801
Post: PO Box 424, Whitianga 3542
Website: https://smartbrokers.co.nz