General Information

Although all reasonable care has been taken in producing the information contained on this Website, it is of a general nature only, and does not take into account any individual’s particular circumstances, financial or otherwise.  While we try to ensure that the content of this Website is up to date and free from error, we do not give any guarantee or other assurance of the currency of any information on this Website or its accuracy, adequacy, completeness or its suitability for your intended use.  This Website is not intended to provide a substitute for comprehensive or specific professional advice.  You should not act in reliance upon any information contained on this Website without first obtaining professional, independent advice relevant to your individual circumstances. 

Where fund performance figures are shown, they are shown in accordance with the specific terms, conditions and assumptions stated under ‘Fund performance’.  Investors are reminded that past performance is not necessarily indicative of future returns.

Where unit prices are shown, while care has been taken in producing and updating unit price information, investors must check the current unit price with TOWER before buying or selling units in any fund, or otherwise relying on unit price information.

Unit prices are shown as at the date specified.  The price shown may therefore not apply to related transactions.  Full details of unit pricing, fees, and other details relevant to an investment are set out in the relevant investment statement for a particular fund.

Liability

To the fullest legal extent possible, neither TOWER Limited, nor any of its related companies, or their directors, nor any other person, accepts any liability or responsibility for any loss, damage, cost or expense (including but not limited to financial loss, loss of revenue, loss of profits or savings, indirect or consequential losses) arising in contract, tort (including negligence) or otherwise, that may result from any error, omission or misrepresentation on this Website or reliance on information contained on this Website. 

To the fullest legal extend possible, we exclude every warranty and condition of any kind that might otherwise apply in relation to the Website, its content and functions.

Links

Information may be contained on this Website about the products or services of third parties.  TOWER makes no representation or warranty as to the quality of any of those products or services.

From time to time this Website may contain links to other websites.  These links are provided for convenience only, and do not represent any endorsement by TOWER of the products or services offered by the site owner.  TOWER makes no representations and accepts no responsibility or liability in relation to the contents of any website linked to this Website that is not under the direct control of TOWER.

Changes to Content

You may not do any thing or permit any thing to be done which may alter this Website, or interfere with or affects its operation.  This includes, without limitation, removing any information from this Website, adding any information to this Website, linking it to or from another website or distributing any part of this Website to any other person.  Any website providers wishing to link to this site may formally request to do so by emailing us here.

Viruses

Although all reasonable care has been taken to prevent the introduction of viruses and other destructive materials on to our Website, we do not guarantee that this Website is free from such destructive features.  TOWER accepts no responsibility or liability in relation to any harm attributable to such destructive features.  If you rely on any materials available through this Website, you do so at your own risk. 

Site Access

Access to this Website may be interrupted, restricted or delayed from time to time.  TOWER accepts no responsibility or liability in relation to any loss suffered in these circumstances.

Copyright

The information, images, screens, web pages, logos and brands on this site and the general content of this site are the property of TOWER, who hold copyright in it - the information may not be copied or reused (other than as expressly intended by this site) without the prior written consent of TOWER.  In particular, in no circumstances should the TOWER brand or the TOWER logo be used without the consent of TOWER

You may not use or permit use of any part of this site for any purpose other than that intended which is the provision to you of fund information, and information about TOWER.

Privacy Policy

We may use any information that you directly or indirectly transmit to us to help ensure that we provide you with quality service, and to enable us to keep you informed and up to date with reports, newsletters and details of product changes.  In addition, we may use your information to provide additional information to you about the full range of services we offer.  If you do not want to receive this information you can let us know by emailing unsubscribe@tower.co.nz.    We will take reasonable steps to ensure that any identifiable personal information we have collected is stored securely and will not be disclosed outside of TOWER (other than to your adviser, where relevant) without your consent.  You can access any personal information held by TOWER about you, and correct any information that may be incorrect.

New Zealand Law

Unless otherwise stated, the content of this Website has been prepared in accordance with New Zealand law for the supply of products and services to persons resident in New Zealand only.  Any offer of securities on this Website is only an offer to persons resident in New Zealand and is not available for subscription by any person not resident in New Zealand.  The content of this Website, and these terms and conditions are governed by and construed in accordance with New Zealand law and New Zealand Courts have jurisdiction.  Unless otherwise stated, references to any currency are to New Zealand dollars.

Comments and Complaints

If you would like to make any comments or complaints about this Website or any of the information or services available on this Website, please contact us.  We will try to resolve any complaint as soon as possible.

The following terms and conditions apply to all users of TOWER's Online Services website, and in using the website you agree to be bound by them. TOWER may change these terms and conditions at any time.

Security

In designing this website, we have incorporated security procedures and practices that we consider are consistent with New Zealand industry practice. We review our security procedures from time to time and update them when relevant. All pages on the TOWER Online Services site that require the mandatory entry of personal information are protected by 128-bit encryption.  The username and password are encrypted when transiting over the Internet which prevents tampering these details

As an adviser with a username and password you will be able to view your client information on a secure site. Your password is your key to accessing your client's information. Under no circumstances should you keep a written or electronic record of your password, nor should you disclose it to any other person. You should also ensure that once you have finished accessing the secure parts of our site that you log off to prevent others accessing your details.

Access for TOWER New Zealand only

The information that is provided on this site is designed for New Zealand advisers only. Unless otherwise stated, references to any currency are to New Zealand dollars.

Disclaimer

Although all reasonable care has been taken in producing information contained on this website, it is of a general nature only. It is not intended to provide comprehensive, or specific investment advice. Investors should not rely on the information contained in this website solely when making decisions to buy and sell investments, products or services.

Limitation of liability

TOWER will not be liable for any loss or damage suffered by any unauthorised access or use of TOWER's online service. None of TOWER, or its directors, employees or agents accept any liability for the reliance of any person on information contained in this website. Where fund performance figures are shown, they are shown in accordance with the specific terms and assumptions stated under 'Fund performance'. Advisers are reminded that past performance is no guarantee of future returns.

Where unit prices are shown, while care has been taken in producing and updating unit price information, advisers must check the current unit price with TOWER before buying or selling units in any fund, or otherwise relying on unit price information.

Unit prices are shown as at the date specified. The price shown may therefore not apply to related transactions. Full details of unit pricing, fees, and other details relevant to an investment are set out in the relevant investment statement for a particular fund.

Copyright

The information, images, screens, web pages and logos and brands on this site are the property of TOWER, who hold copyright in it - the information may not be copied or reused (other than as expressly intended by this site) without the written consent of TOWER.

You may not use or permit use of any part of this site for any purpose other than that intended (which is the provision to you of fund information, and information about TOWER and other TOWER Financial Services Group companies).

New Zealand Law

The terms and conditions applicable to our website are governed and construed in accordance with New Zealand law. 

TOWER’s Online Services website Terms and Conditions apply to all users of TOWER’s Online Services website.