Terms of Service

Important: By using fatpocket.co.nz, you agree to these terms. Please read them carefully. If you do not agree, please do not use our website.

1. About Fat Pocket

Fat Pocket ("we", "us", "our") operates fatpocket.co.nz, a free financial education and product comparison website for New Zealand residents. Fat Pocket is not a licensed Financial Advice Provider under the Financial Services Legislation Amendment Act 2019 (FSLAA 2019). We provide general educational information only.

2. Not Financial Advice

All content on Fat Pocket — including articles, calculators, comparison tables, glossary definitions, and tool outputs — is for general educational purposes only. It does not constitute personalised financial advice, a financial product recommendation, or a financial plan. We are not a Financial Advice Provider licensed by the Financial Markets Authority (FMA). Nothing on this site should be relied upon as the basis for any investment decision.

Before making any investment, insurance, KiwiSaver, or property decision, you should seek advice from a qualified financial adviser who is authorised under the FSLAA 2019 and registered on the Financial Service Providers Register. You can verify any adviser's registration through the Financial Markets Authority (FMA).

3. Calculator and Tool Accuracy

Our financial calculators and tools are provided as educational aids. They produce illustrative estimates only and are not a guarantee of future financial outcomes. Calculator results depend entirely on the inputs you provide. We make reasonable efforts to ensure accuracy but cannot guarantee that results will match your actual financial situation, tax position, or product outcomes. Calculator inputs are processed in your browser and are not stored or transmitted to us.

4. Rate and Product Data

Financial product rates (home loan rates, credit card rates, personal loan rates) are sourced from third-party providers and updated periodically. These rates may not reflect current offerings at the time you view them. Always confirm rates directly with the relevant financial institution before making any decisions. Fat Pocket accepts no responsibility for decisions made based on published rate data.

5. Affiliate and Commercial Relationships

Fat Pocket may receive compensation through affiliate referral links, lead generation, or advertising (Google AdSense). Where we have a commercial relationship with a product or provider featured on this site, we will disclose this where required by law. Affiliate relationships do not influence our editorial independence — we aim to provide objective, factual information regardless of commercial arrangements. Advertising is clearly labelled as such.

6. Intellectual Property

All original content on Fat Pocket — including articles, guides, tool interfaces, and graphics — is owned by Fat Pocket and protected by New Zealand copyright law. You may share or quote our content for non-commercial, educational purposes provided you attribute Fat Pocket and link to the original page. You may not reproduce substantial portions of our content for commercial purposes without written permission.

7. External Links

Our site contains links to external websites, including financial institutions, government agencies, and third-party resources. We are not responsible for the content, accuracy, or privacy practices of any external site. Links do not constitute endorsement unless explicitly stated.

8. Limitation of Liability

To the maximum extent permitted by New Zealand law, Fat Pocket and its operators shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of this website or reliance on any content, calculator output, rate data, or product comparison. Your use of the site is at your own risk. The Consumer Guarantees Act 1993 (NZ) may apply to the extent it cannot be excluded.

9. User Conduct

You agree not to:

Use the site for any unlawful purpose
Attempt to scrape, copy, or mirror our content at scale without permission
Interfere with the site's operation or security
Submit false, misleading, or harmful content via contact forms

10. Privacy

Your use of this site is also governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

11. Changes to These Terms

We may update these terms from time to time. Material changes will be reflected in the "Last updated" date. Continued use of the site after any changes constitutes your acceptance of the updated terms.

12. Governing Law

These terms are governed by the laws of New Zealand. Any disputes will be subject to the jurisdiction of the New Zealand courts.

13. Contact

Questions about these terms? Please use our contact form.