Introduction
Welcome to Mates Rates Capital (our “website”).
Mates Rates Capital was started in 2022 to inspire the people of Aotearoa to take control of their financial futures by investing with friends.
Our Terms and Conditions of Use (”Terms”) have been written to make it clear what you agree to when you use our website or services. Please read our terms of conditions before using our website. By using our website you are agreeing to be bound by these Terms. If you don’t wish to be bound by the Terms you read in this document, you shouldn’t use our website.
We innovate, grow and change. So, we need to make changes to our Terms from time to time. We will let you know what these changes are by posting an updated version of our Terms on our website, but it is your responsibility as a user to make sure that you are aware of them, by checking for any changes on a regular basis. Changes will become effective as soon as they are posted.
Please read these terms alongside our Privacy Policy. Our Privacy Policy tells you what information we might collect about you, and how we might use that information.
General
Our website is owned and operated by Mates Rates Capital (”we”, “us”, “our”, or “Mates Rates”).
When we talk about “our services” we mean all the services we provide, including access to our website www.matesratescapital.co.nz. We provide our services in accordance with New Zealand law, which will govern how these terms work, your rights, and our obligations.
What we do
Our website and services is for sharing information about financial products, tools, resources and ways to save money. We provide information on a range of topics, and share our personal opinions on ways to work towards financial freedom by investing with friends. The information you read on our website should never be acted on without doing your own independent research as to what suits your particular requirements.
What we don’t do
We don’t give advice, including any advice that takes into your personal situation and your financial goals. The information on our website does not constitute any form of financial advice, advice in general, recommendation, representation, endorsement or arrangement by us and is not intended to be relied upon by you in making (or deciding not to make) any specific investment or other decisions.
Privacy Policy
We know your privacy is important. When you access and use our website, we collect information about you. You agree that you give us permission to use your information under the terms of our Privacy Policy.
Third Party Links
Sometimes we may direct you to other websites through links on our website. We can’t control the content on these websites and won’t be responsible for what you might find there. You take full responsibility for using that information and for any decision you make to purchase or refrain from purchasing any of the services or products mentioned on a linked site.
We may at times place a limited number of ads and affiliate links on our site. If you click on these ads or links, Mates Rates Capital may receive a commission. It doesn’t cost you anything extra to use these links, and in some cases, you may receive a bonus or discount for using them. We will not share affiliate links for services that we do not consider to be valuable or trustworthy.
Our Content
We own (or have the right to use) the content, material, layout, and design of this website and all documents and other materials that we use when we provide you with our services. You are allowed to use our content for personal, non-commercial use. Otherwise, unless we give you written permission (or the law says you can) you can’t use, copy, adapt, modify, store, distribute, print, display, perform, publish, or redistribute any part of this website.
Disclaimers of warranties and liabilities
All of our content is for general information and entertainment purposes only. All of our content is based on the opinions of Mates Rates Capital and is not financial advice.
We provide our content in good faith, and take no responsibility for the completeness or accuracy of the information shared on our website, or its usefulness for any particular purpose. In no event shall we be liable for any damages of any kind, including (but not limited to) direct, indirect, incidental, consequential, or punitive damages, arising out of or in connection with the use of our services or the inability to use our services.
Any information shared is only current at the time of writing and is provided without consideration of the financial situation of any individual person. Always do your own research.
By using our site you do so at your own risk. You are fully responsible for your investment choices, and we’re not responsible for how your investments perform. We have no responsibility of any kind to you for any investment decisions you make (or do not make) that rely on the information on our site.
You should consider seeking professional legal, financial, taxation or other advice before making any investment decisions.
To the maximum extent permissible by Law, you agree to indemnify and hold us and our affiliates, officers, agents, and employees harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use of our services, your violation of these terms, or your violation of any rights of another.
Miscellaneous
Our website is dedicated to users in New Zealand only.
Our terms of service should be read in combination with our Privacy Policy. Together, these terms constitute the entire agreement between you and us regarding the use of our services. If any provision of these terms is found to be invalid or unenforceable, that provision shall be enforced to the maximum extent possible, and the remaining provisions shall remain in full force and effect. Our failure to enforce any right or provision of these terms shall not be deemed a waiver of such right or provision.
Contact us
We’re here to help!
If you need help with our services, or want to make a complaint, please contact us at: [email protected].