Disclosure

How refer.nz uses referral links and what that means for you.

Important: not financial advice

refer.nz lists referral programs operated by third-party providers, including investing apps, KiwiSaver providers, brokers, banks and other financial services. Everything on this site is general factual information only. It is not financial advice as defined under the Financial Markets Conduct Act 2013, and the site operator is not a Financial Advice Provider.

This site does not recommend that you buy, hold or sell any financial product. You should consider your own circumstances, read the provider’s own product disclosure information, and seek advice from a licensed Financial Advice Provider before making any financial decision.

refer.nz is an independent New Zealand information site. Some links on this site earn the site operator a commission or referral reward.

  • Referral links — Most outbound links on this site are referral links associated with the site operator’s own account with the provider. Where this is the case, the provider typically rewards both the new customer and the referring account.
  • Affiliate links — Some outbound links use standard affiliate networks. If you click through and sign up, refer.nz may receive a small commission from the network. The terms you receive are unchanged.
  • No paid placement — We do not take payment for ranking or placement on the home page or category pages.
  • No editorial trade — Brands cannot pay to have negative information removed.

All outbound referral links on this site include rel="nofollow sponsored noopener" for transparency with search engines and browsers.

No endorsement implied

We are not endorsed by, sponsored by, or officially affiliated with the providers listed unless explicitly stated on the page. All product and brand names are trademarks of their respective owners. Use of a name does not imply endorsement.

Provider terms control the offer

Eligibility, sign-up rewards, referral terms and any minimum deposits or qualifying actions are set by the provider and may change or be withdrawn at any time without notice. Always read the provider’s own terms and product disclosure information before signing up.

Removing or correcting content

If you represent a provider listed on this site and would like a referral page reviewed, corrected, or removed, contact us via the email address in the site footer and we will review the request and aim to respond within 5 business days.

Last updated: April 2026

Frequently asked questions

What does the referrer get with Disclosure?

Under the current program, referrers receive a reward described in the program terms. Amounts can change — check the official terms linked on this page.

What does the friend get with Disclosure?

New customers referred through the program typically receive an offer described in the program terms, subject to completing any requirements listed above.

Where is the official Disclosure referral program page?

There is no dedicated public referral page listed for Disclosure. Use the Terms & Conditions or Visit Disclosure buttons above, or find your referral link in the provider’s app.

Is the Disclosure referral program available in New Zealand?

This page covers the Disclosure program as offered to New Zealand customers. Always confirm eligibility on the provider’s official site before signing up.

Disclosure referral program vs promo code — what's the difference?

A referral program rewards you for inviting friends who become new customers. A promo code is usually a discount for your own sign-up. On Refer NZ we explain how referral programs work; for live referral links see Kiwi Coupons.

How do I get a referral link to share?

Log into your Disclosure app or online account and look for Refer a friend or Invite friends in settings. Refer NZ does not publish personal referral codes.

Can referral program rewards change?

Yes. Providers update bonuses, requirements, and expiry dates. We show a last verified date on each page — always read the official terms before participating.