Terms and Policies — CLIFF Edge Finance

Last updated: July 2026

Governing law: New Zealand

These policies govern your use of the CLIFF Edge Finance website (cliffedgefinance.nz) and all content, products, and communications published by CLIFF Edge Finance. By accessing this website, you agree to the terms set out on this page.

CLIFF Edge Finance is an independent financial education brand based in New Zealand. We are not a licensed financial advisory service, a registered financial adviser, or a financial services provider under the Financial Markets Conduct Act 2013.

1. Legal Disclaimer

1.1 Educational content only

All content published on cliffedgefinance.nz — including blog articles, guides, templates, downloadable files, email newsletters, and social media posts — is provided for general educational and informational purposes only. Nothing on this website constitutes personalised financial advice, tax advice, legal advice, or investment advice.

CLIFF Edge Finance is not a licensed financial adviser under the Financial Markets Conduct Act 2013. We are not registered on the Financial Service Providers Register (FSPR). The content on this website does not take into account your personal financial situation, objectives, needs, or circumstances.

1.2 No liability

CLIFF Edge Finance makes no representations or warranties, express or implied, that the information on this website is accurate, complete, current, or suitable for your purposes. While we take reasonable care to ensure our content is correct at the time of publication, tax rules, investment platform fees, KiwiSaver regulations, and government policy are subject to change without notice.

To the maximum extent permitted by New Zealand law, CLIFF Edge Finance accepts no liability for any loss, damage, cost, or expense — whether direct, indirect, incidental, or consequential — arising from your use of, or reliance on, any content, product, or tool published on this website.

1.3 Always seek professional advice

Before making any investment, financial, or tax decision, you should consult a licensed financial adviser, chartered accountant, or tax adviser in New Zealand. This applies to all topics covered on this website, including but not limited to:

KiwiSaver fund selection and contribution rates
Foreign Investment Fund (FIF) tax obligations
Prescribed Investor Rate (PIR) calculations
Direct share or ETF investing through brokerage platforms
Property and leveraged investment strategies

1.4 External links

This website contains links to third-party websites, including Inland Revenue (ird.govt.nz), the Financial Markets Authority (fma.govt.nz), Sorted (sorted.org.nz), and investment platforms including Moomoo NZ. These links are provided for convenience and informational purposes only. CLIFF Edge Finance does not endorse, control, or accept responsibility for the content of any third-party website. You access external websites at your own risk.

1.5 Investment risk

Investing involves risk, including the possible loss of some or all of the money you invest. Past returns do not predict future returns. The value of investments can go down as well as up. Any worked examples, projected returns, or illustrative figures used on this website are for educational purposes only and do not represent guaranteed outcomes.

1.6 Jurisdiction

This website is operated from New Zealand. These terms are governed by and construed in accordance with the laws of New Zealand. Any dispute arising from your use of this website will be subject to the exclusive jurisdiction of the New Zealand courts.

2. Copyright

2.1 Ownership of content

All content published on cliffedgefinance.nz — including but not limited to blog articles, guides, templates, graphics, logos, downloadable files, and the NZ Investing Starter Guide PDF — is the original work of CLIFF Edge Finance and is protected by copyright under the Copyright Act 1994 (New Zealand) and applicable international copyright law.

2.2 Permitted use

You may:

Read, print, and save content from this website for your own personal, non-commercial use.
Share links to articles and pages on this website on social media or via email.
Quote brief excerpts (no more than 100 words) from articles on this website, provided you clearly attribute the source as CLIFF Edge Finance and include a link to the original article on cliffedgefinance.nz.

2.3 Prohibited use

You may not, without our prior written permission:

Reproduce, republish, distribute, sell, or sublicense any content from this website in whole or substantial part.
Use any content from this website for commercial purposes, including but not limited to resale, training materials, or commercial publications.
Remove or alter any copyright notices, attributions, or watermarks from any content.
Scrape, crawl, or systematically copy content from this website by automated means.
Reproduce any downloadable product, including the CLIFF Budget Tracker or CLIFF Investment Tracker, for distribution or resale, regardless of whether it has been modified.

2.4 Digital products

The CLIFF Budget Tracker and CLIFF Investment Tracker are licensed for personal use only. Purchase of these products grants you a single-user, non-transferable licence to use the file for your own personal financial tracking. You may not copy, distribute, share, resell, or publish these files — in whole or in part, in original or modified form — to any other person or platform.

2.5 Third-party content

Where this website references or links to content owned by third parties — including Inland Revenue, the Financial Markets Authority, or investment platforms — copyright in that content remains with the respective owner. CLIFF Edge Finance does not claim ownership of any third-party content.

2.6 Reporting copyright concerns

If you believe content on this website infringes your copyright, please contact us at cliffedgefinance@gmail.com with details of the alleged infringement. We will respond within ten working days.

3. Privacy Policy

3.1 Overview

CLIFF Edge Finance is committed to protecting the privacy of everyone who visits cliffedgefinance.nz. This Privacy Policy explains what personal information we collect, why we collect it, how we use it, and your rights under the Privacy Act 2020 (New Zealand).

This website is primarily intended for New Zealand residents, but is accessible globally. If you are located outside New Zealand, please be aware that your information may be collected and processed under New Zealand privacy law.

3.2 What personal information we collect

We collect the following personal information:

Via the NZ Investing Starter Guide:

Email address

Via the contact form:

Name
Email address
Message content

We do not collect financial information, payment card details, or government identification numbers directly.

3.3 Why we collect personal information

We collect personal information for the following purposes:

To deliver the NZ Investing Starter Guide and future newsletter communications to subscribers who have opted in.
To respond to enquiries submitted via the contact form.
To improve the content and user experience of this website.

We collect only the minimum information necessary for these purposes, consistent with Information Privacy Principle 1 of the Privacy Act 2020.

3.4 How we store and protect your information

Contact form submissions: Name, email address, and message content submitted via the contact form are stored within Squarespace (Squarespace Inc.), a United States-based website platform. Squarespace's privacy policy is available at squarespace.com/privacy.

Product purchases: Purchase data for the CLIFF Budget Tracker and CLIFF Investment Tracker is processed and stored by Gumroad (Gumroad Inc.), a United States-based digital commerce platform. Gumroad's privacy policy is available at gumroad.com/privacy.

We do not store personal information on our own servers. We do not sell, rent, or share your personal information with any third party, other than the service providers named above, who use it solely to operate this website and its functions.

3.5 Your rights under the Privacy Act 2020

Under the Privacy Act 2020, you have the right to:

Request access to any personal information CLIFF Edge Finance holds about you.
Request correction of any personal information that is inaccurate or out of date.
Request deletion of your personal information, subject to any legal retention obligations.
Withdraw consent to receive email communications at any time by clicking the unsubscribe link in any newsletter email.

To exercise any of these rights, contact us at cliffedgefinance@gmail.com. We will respond within 20 working days, as required by the Privacy Act 2020.

3.6 Third-party platforms

CLIFF Edge Finance links to third-party websites including Inland Revenue (ird.govt.nz), Sorted (sorted.org.nz), the Financial Markets Authority (fma.govt.nz), Moomoo NZ, and Gumroad. These platforms operate their own privacy policies and data practices, which are independent of CLIFF Edge Finance. We encourage you to review the privacy policy of any third-party website before submitting personal information to it.

3.7 Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The "Last updated" date at the top of this page will be revised accordingly. We encourage you to review this policy periodically.

4. Affiliate Relationships

4.1 Our commitment to transparency

CLIFF Edge Finance is committed to full transparency about any commercial relationships that may influence the content on this website. Under the Fair Trading Act 1986 (New Zealand) and the Advertising Standards Authority (ASA) Advertising Standards Code, we are required to disclose material commercial relationships that could affect the credibility of our content.

This page constitutes that disclosure.

4.2 What an affiliate relationship means

An affiliate relationship means that CLIFF Edge Finance may receive a commission or other financial benefit if a visitor to this website clicks a link to a third-party platform and subsequently takes a qualifying action — such as signing up for an account or making a deposit.

Affiliate commissions do not affect the price you pay. You will not be charged more by using our links. Our recommendations are based on the merit of the product or platform, not on the existence of a commercial arrangement.

4.3 Current affiliate relationships

Moomoo NZ (Moomoo Securities Australia Ltd)

CLIFF Edge Finance has submitted an application to participate in the Moomoo NZ affiliate programme. This relationship is currently pending formal approval. Where affiliate links to Moomoo NZ appear on this website, they will be clearly labelled as affiliate links adjacent to the link itself — not only on this disclosure page.

We have been using Moomoo NZ personally since February 2026. Our recommendation of Moomoo NZ as a platform for New Zealand investors is based on firsthand experience and independent assessment, not on the existence of the affiliate arrangement. Our Moomoo NZ review on the blog was written before any affiliate relationship existed.

This list will be updated promptly as additional affiliate relationships are established.

4.4 How affiliate links are labelled on this website

Wherever an affiliate link appears on cliffedgefinance.nz — including in blog articles, on the Resources page, or in downloadable guides — it will be accompanied by a disclosure statement in one of the following forms:

"Affiliate link — if you sign up using this link, CLIFF Edge Finance may earn a commission at no cost to you."
"This is an affiliate link."

These disclosures appear immediately adjacent to the link, not buried in a footer or requiring the reader to navigate to a separate page.

4.5 Editorial independence

The existence of an affiliate relationship does not influence the editorial content of our articles, reviews, or guides. CLIFF Edge Finance does not publish positive reviews in exchange for commercial arrangements, and we will not recommend a platform or product we do not consider suitable for our audience of New Zealand professionals aged 22 to 35.

Where a platform is recommended on this website, that recommendation reflects our genuine assessment of its suitability based on fees, features, NZ-specific compatibility, and firsthand experience.

4.6 No financial advice

Recommending a platform does not constitute financial advice. Our recommendations are general in nature and do not take into account your personal financial situation. Before opening any investment account, you should consider whether the platform is appropriate for your circumstances. If you are unsure, consult a licensed financial adviser in New Zealand.

4.7 Compliance

This affiliate disclosure is published in accordance with:

Fair Trading Act 1986 (New Zealand)
Advertising Standards Authority (ASA) Advertising Standards Code
Privacy Act 2020 (New Zealand) — in respect of any data collected through affiliate tracking links

4.8 Contact

If you have any questions about our affiliate relationships or this disclosure, please contact us at cliffedgefinance@gmail.com.

These Terms and Policies were last reviewed and updated in July 2026. CLIFF Edge Finance reserves the right to update any part of this page at any time. Continued use of this website following any update constitutes acceptance of the revised terms.

CLIFF Edge Finance — cliffedgefinance.nz — cliffedgefinance@gmail.com