Terms of Service

Last Updated: May 15, 2024

1. Introduction

Welcome to Cardiol ("Company", "we", "our", "us"). These Terms of Service ("Terms", "Terms of Service") govern your use of our website located at www.cardiol.nz (the "Service") operated by Cardiol.

Our Privacy Policy also governs your use of our Service and explains how we collect, safeguard and disclose information that results from your use of our web pages. Please read it here: Privacy Policy.

Your agreement with us includes these Terms and our Privacy Policy ("Agreements"). You acknowledge that you have read and understood Agreements, and agree to be bound by them.

If you do not agree with (or cannot comply with) Agreements, then you may not use the Service, but please let us know by emailing at [email protected] so we can try to find a solution. These Terms apply to all visitors, users and others who wish to access or use Service.

2. Services

Cardiol provides financial advisory and investment consulting services to individuals and businesses in New Zealand. Our services include but are not limited to:

  • Investment strategy and portfolio management
  • Financial planning and wealth management
  • Retirement planning
  • Tax optimization strategies
  • Estate planning

Any information, tools, or materials provided through our Service are intended for general informational purposes only and should not be considered as personalized financial advice unless explicitly stated in a formal client agreement.

3. Financial Services Provider Registration

Cardiol is a registered Financial Service Provider (FSP) in New Zealand. We operate in compliance with the Financial Advisers Act 2008 and other applicable financial regulations. Our FSP registration number is FSP12345.

As a registered provider, we are committed to:

  • Acting with due care, diligence, and skill
  • Ensuring our clients understand the nature and scope of our services
  • Providing clear information about fees and compensation
  • Disclosing any conflicts of interest
  • Maintaining appropriate professional indemnity insurance

4. Communications

By using our Service, you agree to subscribe to newsletters, marketing or promotional materials and other information we may send. However, you may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or by emailing at [email protected].

5. Limitation of Liability

In no event shall Cardiol, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

  • Your access to or use of or inability to access or use the Service;
  • Any conduct or content of any third party on the Service;
  • Any content obtained from the Service; and
  • Unauthorized access, use or alteration of your transmissions or content

Past performance is not a guarantee of future results. All investments involve risk and may lose value. The value of investments can go down as well as up, and investors may not get back the full amount invested.

6. Disclaimer

Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.

Cardiol, its subsidiaries, affiliates, and its licensors do not warrant that:

  • The Service will function uninterrupted, secure or available at any particular time or location;
  • Any errors or defects will be corrected;
  • The Service is free of viruses or other harmful components; or
  • The results of using the Service will meet your requirements.

7. Governing Law

These Terms shall be governed and construed in accordance with the laws of New Zealand, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

8. Changes to Terms of Service

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

9. Contact Us

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

  • By email: [email protected]
  • By phone: +64 9 123 4567
  • By mail: Level 15, 120 Albert Street, Auckland CBD, New Zealand