Privacy Statement and Disclaimer

This web site is provided by Kepler Group Southland Limited t/a Lodestar (hereinafter referred to as Lodestar). By viewing this website, you will be deemed to have agreed to the following disclaimer and privacy statement.

Your Privacy

Lodestar will use any personal information you submit on this web site to provide information you request. Your personal information may be retained by Lodestar to provide you with further information about our services. Lodestar will not pass on your personal information to any third party without your express approval.

If you are an individual, the Privacy Act 1993 gives you the right to request access to, and correction of, your personal information. You can contact us if you would like to access, correct, and/or change the information held about you.

About this web site

The information provided and services described in this website are of a general nature and are not intended to be personalised financial advice to a retail client. The information provided in this website is not intended to be a substitute for professional advice. You may seek appropriate personalised financial advice from a qualified professional to suit your individual circumstances.

No Warranties

While every effort is made to ensure the information on this website is up-to-date and correct, Lodestar makes no representations or warranties of any kind, express or implied, about the accuracy, reliability, completeness, suitability or availability of the website or the information about the products and services provided on the website. The information on this website is subject to change at any time. Lodestar is under no obligation to update any information on this website or correct any errors in the information after it is published on the website. Any reference on this website to historical information and performance of a product or service may not necessarily be a good guide to future performance. You are solely responsible for any actions you take or do not take by relying on such information.

No Liability

To the full extent legally allowable the directors, contractors, associates and staff of Lodestar expressly disclaim all and any liability and responsibility to any person in respect of anything, and of the consequences of anything, done or omitted to be done by any such person in reliance, whether wholly or partially, upon the whole or any part of the contents of this website. The disclaimers and limitations of liability do not prejudice your rights under the Consumer Guarantees Act 1993, nor are they intended to exclude liability arising under statute.

NZ Jurisdiction

The information published on this website is governed by, and has been prepared to comply with, the New Zealand law. The information is only intended for persons within the New Zealand jurisdiction and is not intended for persons outside the New Zealand jurisdiction. Lodestar does not accept responsibility for the compliance of this information with the laws of any other country. The laws of New Zealand shall govern your use of the website and by visiting this website you hereby agree to submit to the exclusive jurisdiction of the New Zealand courts.

Virus Protection

Although Lodestar regularly updates its virus protection software, it does not warrant that the server that makes the information and contents of this website available is free of viruses or bugs. You acknowledge that it is your responsibility to implement sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the correct display and/or presentation of any material contained on this website.

Linked Web sites

Lodestar has no knowledge of or control over the nature, content, and availability of any web sites linked to this website. Lodestar does not sponsor, recommend, or endorse anything contained on those linked websites. Lodestar does not accept any liability of any description for any loss suffered by you by relying on anything contained or not contained on those linked websites.

Web site availability

Every effort is made to keep the website up and running smoothly. However, Lodestar takes no responsibility for, and will not be liable for, any loss you may suffer due to the website being temporarily unavailable either during its planned maintenance or due to technical or other issues beyond our control.

Intellectual Property

All materials on this website are protected by copyright and intellectual property laws and are the property of Lodestar unless otherwise explicitly stated. The website may also contain a number of trademarks, logos, and symbols which are either owned by Lodestar or used with the approval of the owner of the respective trademark, logo, and symbol. Nothing on the website should be construed as granting any licence to use any trademark without the permission of the trade mark owner. Any material on this website that is identified as being subject to copyright of a third party, authorisation to use or reproduce such material must be obtained from that third party. Unless stated otherwise, you may access and download the materials located on this website only for personal, non-commercial use.

What should you do if something goes wrong?

If you have a problem, concern or complaint about any part of our service, please contact us directly so that we can try to fix the problem. You may contact the internal complaints scheme by contacting our General Manager, Dianne Logan on 03 214 6300.

If we cannot agree on how to fix the issue or if you decide not to use the internal complaints scheme, you can contact the Insurance & Financial Services Ombudsman Scheme. This service will cost you nothing, and will help us resolve any disagreements.

You can contact the Insurance & Financial Services Ombudsman Scheme at:

Address: PO Box 10845, Wellington 6143
Telephone number: 0800 888 202
Email address: info@ifso.nz

LinkedIn Page Disclaimer

Security and privacy: For your own security and privacy, do not post or share any personal or sensitive information that would be deemed to be a breach of your privacy or could bring you or someone else into disrepute on this LinkedIn page. You may post your comments, photos, videos, and links on this page at your own risk but Lodestar will review all comments, photos, videos, and links and remove them, at its sole discretion, if considered inappropriate or offensive.

For information only: This LinkedIn page contains comments and material for general information purposes only and does not take into consideration your financial situation, objectives or risk tolerance.

Not investment advice: The comments on this LinkedIn page are not intended to constitute, do not constitute, and should not be construed as constituting, investment advice nor is it a substitute for commercial judgment or other professional advice. Reference, if any, to taxation and ownership structures does not constitute taxation or legal advice. It is recommended that anyone who is contemplating purchasing a property or product mentioned on this LinkedIn page should seek professional personalised advice.

No liability or responsibility: The views expressed on this LinkedIn page are those of the individuals visiting and using this LinkedIn page and not of Lodestar. To the maximum extent permitted by law, Lodestar accepts no liability or responsibility for any breach of privacy and disclaim any liability or responsibility to any person for any direct or indirect loss or damage that may result from any act or omission by any person in relation to, or in reliance on, the comments or information contained in this LinkedIn page. Lodestar disclaim any liability or responsibility to any person for any information contained in any web site accessed via hypertext link from the Lodestar LinkedIn page or any other web site that may be linked to this page. The content, accuracy, and opinions expressed in such web sites is not checked, monitored, or endorsed by Lodestar.

No representation or warranty: The information on this LinkedIn page is given in good faith and has been prepared from published information and other sources believed to be reliable, accurate and complete at the time of preparation. No representation or warranty is given as to the accuracy and completeness of the information.

Disclosure statement: A disclosure statement is available on request and free of charge.

 

YouTube Channel Disclaimer

Security and privacy: For your own security and privacy, do not post or share any personal or sensitive information that would be deemed to be a breach of your privacy or could bring you or someone else into disrepute on this YouTube channel. You may post your comments, photos, videos, and links on this YouTube channel at your own risk but Lodestar will review all comments, photos, videos, and links and remove them, at its sole discretion, if considered inappropriate or offensive.

For information only: This YouTube channel contains comments and material for general information purposes only and does not take into consideration your financial situation, objectives or risk tolerance.

Not investment advice: The videos on this YouTube channel are not intended to constitute, do not constitute, and should not be construed as constituting, investment advice nor is it a substitute for commercial judgment or other professional advice. Reference, if any, to taxation and ownership structures does not constitute taxation or legal advice. It is recommended that anyone who is contemplating purchasing a property or product mentioned on this YouTube channel should seek professional personalised advice.

No liability or responsibility: The views expressed on this YouTube channel are those of the individuals visiting and using this YouTube channel and not of Lodestar. To the maximum extent permitted by law, Lodestar accepts no liability or responsibility for any breach of privacy and disclaim any liability or responsibility to any person for any direct or indirect loss or damage that may result from any act or omission by any person in relation to, or in reliance on, the comments or information contained on this YouTube channel. Lodestar disclaim any liability or responsibility to any person for any information contained in any web site accessed via hypertext link from the Lodestar YouTube channel or any other web site that may be linked to this page. The content, accuracy, and opinions expressed in such web sites is not checked, monitored, or endorsed by Lodestar.

No representation or warranty: The information on this YouTube channel is given in good faith and has been prepared from published information and other sources believed to be reliable, accurate and complete at the time of preparation. No representation or warranty is given as to the accuracy and completeness of the information.

Disclosure Statement: A disclosure statement is available on request and free of charge.

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