Information only — not financial advice

refer.nz is a free information site. Content on this site is general factual information about referral programs offered by third-party providers in New Zealand, including financial services providers.

Nothing on this site is financial advice as defined under the Financial Markets Conduct Act 2013. The site operator is not a Financial Advice Provider. Information on this site is not a recommendation to acquire, hold, or dispose of any financial product. You should consider your own circumstances, read each provider’s own product disclosure information, and seek advice from a licensed Financial Advice Provider before making any financial decision.

We may update listings from time to time, but we do not guarantee that information shown on the site is current, complete, or accurate at the moment you read it. Always check the provider’s own site for current sign-up terms and qualifying conditions.

We link to third-party providers. We do not operate those services and are not responsible for their products, pricing, eligibility rules, terms, customer support, or any rewards they may or may not pay.

No warranty

The site is provided “as is” and “as available”. To the maximum extent allowed by law, we disclaim all warranties, express or implied, including warranties of accuracy, merchantability, and fitness for a particular purpose. Nothing on this site is a guarantee of any sign-up reward, price, availability or eligibility.

No liability for use of the site

To the maximum extent allowed by law, we are not liable for any loss, cost, or damage arising from your use of this site, your reliance on information found here, or any transaction you enter into with a provider linked from this site. Nothing in these terms limits any rights you may have under the Consumer Guarantees Act 1993, the Fair Trading Act 1986, the Financial Markets Conduct Act 2013, or other mandatory consumer protection law.

Intellectual property

All product names, brand names and trademarks shown on this site are the property of their respective owners. We use them for descriptive purposes only and our use does not imply endorsement, sponsorship, or partnership unless explicitly stated.

Removal and correction requests

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 aim to respond within 5 business days.

Governing law

These terms are governed by the laws of New Zealand. Nothing in these terms limits any rights you may have under mandatory consumer law in your jurisdiction.

Changes

We may update these terms from time to time. The current version is the version published on this page.

Last updated: April 2026