Disclaimer

1. General Disclaimer

The information provided on EstatePlanning.co.nz ("the Website") is for general informational and educational purposes only. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the Website for any purpose.

2. Not Legal, Financial, or Tax Advice

IMPORTANT NOTICE: The content on this Website does not constitute legal, financial, tax, or professional advice. The information is provided as general guidance only and should not be relied upon as a substitute for professional advice tailored to your specific circumstances.

Estate planning involves complex legal, financial, and tax considerations that vary depending on individual circumstances. You should always seek independent professional advice from:

• A qualified solicitor or lawyer for legal matters
• A licensed financial adviser for investment and financial planning
• A chartered accountant or tax specialist for tax implications

3. Lead Generation and Referral Service

IMPORTANT DISCLOSURE: EstatePlanning.co.nz operates as a lead generation and referral platform. We connect individuals with qualified estate planning professionals, lawyers, solicitors, and trust companies in New Zealand.

We do not:

• Directly provide legal services
• Offer estate planning advice
• Act as solicitors or lawyers
• Provide financial or tax advice
• Create trusts, wills, or legal documents

What we do:

• Provide educational information about estate planning
• Connect you with licensed professionals who can help
• Facilitate consultation requests
• Refer you to appropriate service providers

3.1 No Professional Relationship with EstatePlanning.co.nz

Accessing or using this Website, completing consultation forms, or reading content does not create a solicitor-client, adviser-client, or any other professional relationship between you and EstatePlanning.co.nz until a formal engagement agreement has been signed with a professional we refer you to.

Any consultation requests submitted through the Website are inquiries only. By submitting a request, you consent to your information being shared with qualified professionals who will contact you to discuss services.

4. Information Accuracy and Currency

Estate planning laws, regulations, and practices in New Zealand are subject to change. While we endeavor to keep the information on this Website current and accurate, we make no guarantees that:

• All information reflects the most recent legislative changes
• The information is complete or comprehensive
• The information is applicable to your specific situation
• Links to external resources remain current or valid

Laws and regulations may change without notice, and information that was accurate at the time of publication may become outdated. Always verify current legal requirements with a qualified professional.

5. Regional Variations

The information provided is based on New Zealand law and practices. Estate planning laws differ significantly between jurisdictions. If you have assets, beneficiaries, or interests in other countries, you must seek advice from professionals qualified in those jurisdictions.

6. Individual Circumstances

Every individual's or family's estate planning needs are unique. Factors that may affect your estate plan include:

• Your asset structure and ownership
• Family composition and relationships
• Business interests
• Existing legal agreements (e.g., relationship property agreements)
• Health and age considerations
• Tax obligations and residency status
• Charitable intentions

Information and strategies discussed on this Website may not be suitable for your circumstances and should not be implemented without professional assessment of your specific situation.

7. External Links and Third-Party Content

This Website may contain links to external websites and third-party content for your convenience. These links do not constitute an endorsement or recommendation of the linked sites, their content, or the organizations behind them.

We have no control over the content, privacy policies, or practices of third-party sites and accept no responsibility or liability for them. You access external links at your own risk.

8. Limitation of Liability

To the fullest extent permitted by New Zealand law, EstatePlanning.co.nz and its affiliates, directors, employees, partners, and agents:

• Disclaim all liability for any loss or damage arising from your use of this Website or reliance on any information contained herein
• Shall not be liable for any direct, indirect, incidental, consequential, or punitive damages
• Make no guarantees regarding the results of any services provided
• Accept no liability for decisions made or actions taken based on Website content

This includes but is not limited to loss or damage arising from:

• Errors, omissions, or inaccuracies in content
• Delays in updating information
• Technical malfunctions or interruptions
• Unauthorized access or data breaches
• Reliance on Website information without professional advice

9. No Guarantee of Results

Estate planning outcomes depend on many factors including proper implementation, ongoing maintenance, compliance with legal requirements, and changing circumstances. We cannot guarantee that any particular strategy, trust structure, or estate plan will achieve desired results or objectives.

Past results or case studies mentioned on the Website are not indicative of future outcomes and should not be construed as guarantees.

10. Testimonials and Case Studies

Any testimonials or case studies presented on the Website represent individual experiences and may not be typical. Results vary depending on circumstances. Testimonials are not guarantees of similar outcomes and should not be interpreted as such.

11. Information Security

While we implement security measures to protect information transmitted through the Website, we cannot guarantee absolute security. No method of internet transmission or electronic storage is 100% secure. You acknowledge that you provide information at your own risk.

For sensitive information, we recommend using secure communication methods provided by your professional adviser after a formal relationship is established.

12. Fees and Charges

Information about fees and pricing on the Website is general in nature. Actual fees for professional services may vary depending on complexity, time requirements, and specific circumstances. All fees will be clearly outlined in a separate engagement agreement before services are provided.

13. Changes and Updates

We reserve the right to modify, update, or remove any content on this Website at any time without notice. We are not obligated to update information or notify users of changes. It is your responsibility to review content regularly and verify its current accuracy.

14. Fair Trading Act 1986 and Consumer Guarantees Act 1993

Nothing in this disclaimer is intended to exclude, restrict, or modify rights you may have under the Fair Trading Act 1986, Consumer Guarantees Act 1993, or other consumer protection legislation in New Zealand to the extent such exclusions, restrictions, or modifications are not permitted by law.

15. Professional Standards

Estate planning professionals connected through this Website are expected to comply with:

• Relevant professional codes of conduct
• New Zealand Law Society regulations (for lawyers)
• Financial Markets Authority requirements (for financial advisers)
• Chartered Accountants Australia and New Zealand standards (for accountants)
• Privacy Act 2020 requirements

16. Urgency and Deadlines

Estate planning matters may be time-sensitive. Do not rely solely on information from this Website if you have urgent deadlines. Seek immediate professional advice for time-critical matters such as:

• Imminent property transactions
• Health crises requiring immediate planning
• Relationship property disputes
• Business succession under time pressure
• Tax filing deadlines

17. Governing Law

This disclaimer is governed by the laws of New Zealand. By using this Website, you agree that any disputes arising from or related to this disclaimer or the Website shall be subject to the exclusive jurisdiction of New Zealand courts.

18. Questions

If you have questions about this disclaimer or the information provided on the Website, please contact us or seek independent professional advice.

19. Acknowledgment

By using this Website, you acknowledge that:

• You have read and understood this disclaimer
• You will not rely solely on Website information for important decisions
• You will seek appropriate professional advice before taking action
• You accept the limitations and risks outlined in this disclaimer
• You use the Website and its information at your own risk