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Website Terms of Use

Last updated: May 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.

  1. About Us and Financial Advice Provider Status

This Website is operated by Smart Brokers Limited trading as Smart (“we”, “us”, “our”).

We provide financial advice services in New Zealand and operate under a Financial Advice Provider (FAP) licence issued under the Financial Markets Conduct Act 2013.

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

  1. 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.

  1. 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.

  1. 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.

  1. 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
  1. Coaching Programmes and Educational Content

We provide coaching programmes, including the SMART Mortgage Rapid Repay Coaching Programme.

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
  • Interest savings
  1. Third-Party Services and Referrals

We may:

  • Refer you to lenders, insurers, and service providers
  • Receive referrals from third parties
  • Use third-party platforms to deliver services

We are not responsible for:

  • Third-party decisions (e.g. loan approval, insurance acceptance)
  • Third-party terms, conditions, or privacy practices
  1. 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.

  1. 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
  • SMS (including automated or AI-assisted messaging systems)

These communications may include:

  • Responses to enquiries
  • Follow-ups
  • Service-related messages
  • Marketing communications (where permitted by law)

You may opt out of marketing communications at any time by:

  • Following unsubscribe instructions; or
  • Contacting us directly
  1. Privacy and Indirect Collection (IPP3A)

Your use of this Website is governed by our 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).

  1. 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
  1. Limitation of Liability

To the maximum extent permitted by law:

  • We are not liable for any loss arising from your use of this Website
  • We are not liable for decisions made based on Website content
  • We are not liable for third-party outcomes (including lending or insurance decisions)

This includes:

  • Financial loss
  • Loss of opportunity
  • Indirect or consequential loss

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

  1. Security and Misuse

You must not:

  • Attempt to gain unauthorised access to systems
  • Interfere with Website functionality
  • Use the Website for fraudulent or unlawful purposes

We may take legal action where necessary.

  1. Website Availability

We may:

  • Modify or remove Website content
  • Suspend or discontinue the Website
  • Restrict access without notice

We are not liable for any unavailability.

  1. 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.

  1. Contact Us

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

Smart Brokers Limited t/a Smart
Email: info@smartbrokers.co.nz
Website: https://smartbrokers.co.nz