Last updated: 15 September 2026
These terms of use apply to KiwiSaver Guide at kiwisaver-nz.tatpenguin.xyz. By using this website you agree to them. If you do not agree, please do not use the site.
1. What this site is
This site publishes free general information about New Zealand KiwiSaver. It is not advice, and it is not a service that acts for you. Read the disclaimer — it forms part of these terms.
2. Using the content
You may read, print and share pages from this site for your own personal, non-commercial use. You may quote from a page (for example in an article, a forum post or a research note) provided you credit KiwiSaver Guide and link to the specific page you quoted, so readers can verify the source.
You may not: republish a page or guide in full or substantially in full; sell or license the content; strip or alter attribution; present the content as your own or as advice from a licensed professional; or use automated tools to bulk-copy the site in a way that burdens the server.
3. Intellectual property
All original text, structure and design on this site is © 2026 the publisher of kiwisaver-nz.tatpenguin.xyz. Third-party names and trademarks referenced in the guides — including Inland Revenue, KiwiSaver scheme names and platform names — belong to their respective owners and are used for identification and comparison only. Nothing here grants you a licence to their marks.
4. Advertising and commercial links
The site is funded by advertising and may use affiliate or referral links. Third-party advertisements are served by the advertiser, not by us, and we do not control their content. We may earn a commission if you follow a labelled affiliate link and complete a purchase or application. This never changes the price you pay and never changes what a guide says. See the privacy policy and the disclaimer.
5. Availability and changes
We publish the site as-is. Pages may be corrected, updated, moved or removed at any time, and the site may be unavailable during maintenance. We do not guarantee that any page is current, complete or free of errors — money rules and product details change, and you should confirm anything important with the official source before acting on it.
6. Limitation of liability
To the fullest extent permitted by New Zealand law, KiwiSaver Guide and its publisher are not liable for any loss or damage arising from your use of, or reliance on, this site or any site it links to. Nothing in these terms limits rights you have under the Consumer Guarantees Act 1993 or the Fair Trading Act 1986 that cannot lawfully be limited.
7. Privacy
Our handling of information is described in the privacy policy. In short: the site is static, sets no first-party cookies, and collects no personal information from readers.
8. Governing law
These terms are governed by New Zealand law, and the New Zealand courts have exclusive jurisdiction over any dispute relating to them. If any provision is found to be unenforceable, the rest continues to apply.
9. Contact
Questions about these terms, corrections, or permission requests should be sent to the publisher using the contact route described in section 7 of the privacy policy.