Terms of Use.

About this website

This website is operated by Craig Smith Business Services Ltd (FSP712931), trading as Smiths Insurance and KiwiSaver. References to “we”, “us”, and “our” mean Craig Smith Business Services Ltd. By using this website you agree to these terms.

What on this site is, and isn’t, financial advice

Most content on this website is general information about insurance, KiwiSaver, and financial planning topics in New Zealand, and is not regulated financial advice tailored to your individual situation.

Some parts of this site, however, do provide financial advice from Smiths (Craig Smith Business Services Ltd, FSP712931, an FMA-licensed financial advice provider) — for example, the KiwiSaver Health Check results page. Those pages say so on the page itself. Where a page provides regulated advice, it is given under the Financial Markets Conduct Act 2013 and the FMA Code of Professional Conduct for Financial Advice Services, considering the information you provide and the providers on our panel.

For personalised advice across your full situation, book a review with one of our advisers.

Accuracy and currency

We aim to keep the information on this site accurate and current, but laws, products, premiums, and KiwiSaver fund details change frequently. We do not warrant that everything on the site is up-to-date or complete at any point in time. Always confirm specifics with us, or with the relevant provider, before acting.

External links

Some pages link to third-party websites. insurers, KiwiSaver scheme providers, the FMA, Te Whatu Ora, Pharmac, EQC, and others. We aren’t responsible for the content, accuracy, or availability of those external sites.

Intellectual property

All text, images, illustrations, data, and code on this site are owned by us or licensed to us. You may view and print pages for personal, non-commercial use. Republishing, redistribution, scraping, or use of our content for AI-model training without prior written permission is not permitted.

Limitation of liability

To the extent permitted by New Zealand law, we exclude all warranties about this website that aren’t expressly set out here. We aren’t liable for any loss arising out of your reliance on general information published on this site. for advice you can rely on, please engage us as your adviser.

Changes to these terms

We may update these terms from time to time. The latest version will always be available at this page. Continued use of the site after we update the terms means you accept the changes.

Governing law

These terms are governed by the laws of New Zealand. The courts of New Zealand have exclusive jurisdiction over any dispute relating to this website.

Contact

Questions about these terms: contact us via the contact page.