Terms & Disclaimer page
Last updated: 12 May 2026
About this website
This website is owned and operated by Crisp Financial Limited (FSP1012114), trading as Crisp Financial. Crisp Financial Limited is authorised to provide regulated financial advice under the Financial Advice Provider licence held by Link Financial Group 2022 Limited (FSP1004590), issued by the Financial Markets Authority. By accessing or using this website, you agree to these terms. If you do not agree, please do not use the site.
No regulated financial advice
The information published on this website is general information only. It does not take into account your personal objectives, financial situation, or needs, and it is not regulated financial advice within the meaning of the Financial Markets Conduct Act 2013. Nothing on this website constitutes a recommendation, offer, or solicitation to apply for any lending product, insurance product, or other financial product.
Before acting on anything you read here, you should seek personalised advice from a qualified financial adviser. Details of how Crisp Financial provides regulated financial advice, including scope, fees, conflicts of interest, and complaints, are set out on our Important Information About Us page.
Calculators and financial tools
Any calculators, models, or tools made available on this website (including the Investor Cashflow Calculator and Repayment Calculator) are provided for general illustration only. Outputs depend entirely on the assumptions and figures you enter. They are not quotes, approvals, or indications of borrowing capacity, and actual lender outcomes will differ. Crisp Financial accepts no liability for decisions made in reliance on calculator outputs.
Accuracy and changes
While we take reasonable care to ensure information on this website is accurate at the time of publication, lending products, interest rates, lender policies, and regulatory settings change frequently. We make no warranty, express or implied, as to the accuracy, completeness, currency, or suitability of any information on this site. Content may be updated, amended, or removed at any time without notice.
Third-party links and content
This website may contain links to third-party websites, including lender sites, news articles, and partner businesses. These links are provided for convenience only. Crisp Financial does not endorse, control, or accept responsibility for the content, products, services, or privacy practices of any third-party site.
Intellectual property
All content on this website, including text, graphics, logos, calculators, and downloadable resources, is owned by or licensed to Crisp Financial Limited and is protected by New Zealand and international copyright laws. You may view and print content for personal, non-commercial use. You must not reproduce, modify, distribute, or commercially exploit any content without our prior written consent.
Limitation of liability
To the maximum extent permitted by law, Crisp Financial Limited, its directors, employees, contractors, and associated parties exclude all liability for any loss or damage (including indirect or consequential loss) arising from your use of, or reliance on, this website or its content. Nothing in these terms limits any rights you may have under the Consumer Guarantees Act 1993 or the Fair Trading Act 1986 where those Acts apply and cannot be excluded.
Viruses and site availability
We take reasonable steps to keep this website operational and secure, but we do not warrant that the site will be uninterrupted, error-free, or free from viruses or other harmful code. You are responsible for your own virus protection and backup measures.
Privacy
The only personal information collected through this website is contact details as provided directly from you in request to be contacted for the services stated within. We will take reasonable steps to ensure you are informed in accordance with the Privacy Act 2020 and our privacy practices, available on request.
Jurisdiction
This website is intended for use by persons in New Zealand. These terms are governed by New Zealand law, and any dispute relating to the website or its content is subject to the exclusive jurisdiction of the New Zealand courts.
Contact
Crisp Financial Limited Email: joshua@crispfinancial.co.nz Phone: 021 406 061