WEBSITE TERMS AND CONDITIONS AND PRIVACY POLICY

When you access the Ducks in a Row website you accept and are bound by these terms and conditions so it's important that you read and understand them. 

When we say “we”, “us”, “our” or “Ducks in a Row”, we mean Row of Ducks Limited.

When we talk about “you” or “your”, we mean the website user.

1.  Information of a General Nature

Information provided by Ducks in a Row on this website is intended not to be your main source of information when you are making financial decisions. The information provided and the services described on this website are of a general nature only and are not intended to be personalised financial advice. The information provided on this website is not intended to be a substitute for professional advice. You should seek appropriate personalised financial advice from a qualified professional to suit your individual circumstances and we would be happy to help you to arrange this.

 

2.  No warranty or liability

We make all reasonable efforts to ensure that the information on this website is up-to-date and correct, but Ducks in a Row makes no representations or warranties of any kind, express or implied, about the accuracy, reliability, completeness, timeliness, suitability or availability of the website or of the information provided on the website. The information on this website is provided on an ‘as is’ basis and is subject to change at any time.

Ducks in a Row is under no obligation to update any information on this website or to correct any errors in the information after it has been published on the website. Any reference on this website to historical information and/ or to performance of a product or service may not necessarily be a good guide to future performance. You acknowledge that you are solely responsible for any actions you take or do not take in reliance upon such information.

To the maximum extent permitted by law, Ducks in a Row expressly disclaims 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 to the intent that neither Ducks in a Row nor any of the directors, contractors, associates or staff of Ducks in a Row will be liable for any consequential, direct, incidental or indirect loss, expense or damage incurred in connection with the use of this website or any of the related services.  If this limitation of liability is held to be invalid in whole or in part, then our total liability to you for all damages, costs, and expense (other than for any damage, cost and expense that cannot be limited at law) will not exceed one New Zealand dollar (NZD$1.00).

The disclaimers and limitations of liability are not intended to prejudice your rights under the Consumer Guarantees Act 1993, and nor are they intended to exclude liability arising under any other statute.  However, if you use this application or our services for business purposes, you agree that the guarantees provided in the Consumer Guarantees Act 1993 will not apply.

 

3.  Changes to these terms and conditions

We may change these terms and conditions, by publishing new terms and conditions on the Ducks in a Row website at any time, and from time to time, without notice. Any change to these terms and conditions will take effect from the time the revised terms are first displayed on this website.

 

4.  Intellectual property

All materials on this website are protected by copyright and intellectual property laws and are the property of Ducks in a Row unless otherwise explicitly stated. This website may also contain trademarks, logos and symbols which are owned by Ducks in a Row. Nothing on this website should be construed as granting any licence to use any trademark without the express permission of its owner. If any material on this website is identified as being subject to copyright of a third party then authorisation to use or reproduce such material must first be obtained from that third party. Unless stated otherwise, you may access and download extracts of the materials located on this website only for personal, non-commercial use.

 

5.  Privacy Policy

We collect personal information that you provide to us by accessing and using our website, including information provided by you via forms on our website; this includes, without limitation, your name, email address, postal address and telephone numbers.  We will also collect and retain personal information you provide directly to our representatives.

We may share the personal information we hold about you within Ducks in a Row, or with third parties that provide services to or for us, including our contracted financial advisers to enable us to better understand your needs.  You agree that your personal information may be used to:

  • create, manage and administer your profile in accordance with these terms and conditions;

  • comply with any legal, governmental or regulatory requirement on us or in connection with legal proceedings, crime or fraud prevention, detection or prosecution;

  • check instructions you have provided to us or to resolve disputes;

  • provide customer support, to improve the quality of the service we provide and to train our staff;

  • keep you informed (by email, or text) of products and services we consider may be of interest to you (including from our selected business partners and Ducks in a Row), unless you ask us not to provide you with this information;

  • obtain your feedback on a product or service provided by a third party appointed by us; and

  • aggregate data for analysis and research and to provide management information or other services internally and to third parties.

Your personal information is held securely by Ducks in a Row, at a secure location as determined by us.

6.  Website Availability

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

7.  Cookies

A cookie is a data file that is sent to your browser from a web server and stored on your computer or device, then sent back to the server by your browser each time you access certain sections of this website.

Like many other websites, this website uses cookies to store and track information about you when you are on this website for the purposes of:

  • providing more customised content and material that better matches your interests and needs; and

  • business and marketing analysis.

You can choose to disable cookies via your device’s website browser settings. However, if you choose to disable cookies, you may not be able to use or access some features of the services that we offer.

 

8.  External Links

Our website may contain links to third party websites. We have no responsibility for linked websites and we provide these links solely for the convenience and information of our visitors.

Please note that these terms and conditions (including this privacy policy) do not apply to any third party websites. We do not endorse other websites, and take no responsibility for the operation and privacy practices of other websites.  We recommend that, before you submit any personal information to any other website, you review its privacy policy.

 

9.  Your rights

If you would prefer not to receive direct marketing information or be contacted to provide feedback, please let us know. You may contact by email on hello@solutionsfinancial.co.nz

You have the right to request a copy of the personal data we hold about you. If you would like a copy of some or all of this information you may contact us by email on hello@solutionsfinancial.co.nz

If any of the information we hold is inaccurate, you can ask us to make any necessary amendments. You must inform us if any of your personal information changes, to ensure that the details we hold about you are up to date and correct.

 

10. Security

All information transmitted from our website to you is at your risk.  We do not accept any responsibility for damage to your device which arises in connection with your use of our website.  Despite our reasonable efforts, we cannot guarantee that our website or any of the information contained on our website does not contain malicious code and we will not be liable for damages or harm arising from damage caused by any such code.

We have reasonable security measures in place to protect against the loss, access, misuse, alteration and/or unauthorised disclosure of the information under our control. However, we do not make any warranties in relation to the security of any information you disclose or transmit to us and we are not responsible for the theft, destruction, or inadvertent disclosure of your personal information where our security measures have been breached. You accept that your use of our website is at your own risk.