These terms and conditions govern your access to and use of this website, including all research materials, analytical tools, publications, and related content. By accessing or using this website, you agree to be bound by these terms. If you do not agree with any part of these terms, you must discontinue use of this website immediately.

01

Acceptance of Terms

By accessing this website, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions, as well as any additional guidelines or rules applicable to specific services. We reserve the right to modify these terms at any time, and continued use constitutes acceptance of revised terms.

02

Use of Website Content

All content on this website, including research papers, analytical tools, data visualizations, and written materials, is provided for informational and educational purposes only. You may not reproduce, distribute, modify, or create derivative works without prior written consent. Unauthorized use may result in termination of access.

03

Intellectual Property Rights

All intellectual property rights in the website and its content are owned by or licensed to us. This includes but is not limited to text, graphics, logos, software, and research methodologies. You are granted a limited, non-exclusive license to access content for personal, non-commercial use only.

04

User Conduct and Responsibilities

You agree to use this website in a lawful manner and not to engage in any activity that could damage, disable, or impair the website or interfere with other users' access. You must not attempt to gain unauthorized access to any part of the website or its underlying systems.

05

Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use this website. This includes damages for loss of profits, data, or other intangible losses, even if advised of the possibility.

06

Governing Law and Jurisdiction

These terms are governed by the laws of New Zealand. Any disputes arising from or relating to these terms or your use of this website shall be subject to the exclusive jurisdiction of the courts of New Zealand. You agree to submit to this jurisdiction for the resolution of any disputes.

07

Termination of Access

We reserve the right to terminate or suspend your access to the website at any time, without notice, for any reason, including breach of these terms. Upon termination, all provisions that by their nature should survive termination shall continue in full effect.

08

Third-Party Links and Content

This website may contain links to third-party websites or resources. We do not endorse and are not responsible for the content, products, or services available on such external sites. Your use of third-party websites is at your own risk and subject to their respective terms.

09

Research Content Disclaimer

All research materials and analytical outputs are provided without warranty of any kind. We do not guarantee accuracy, completeness, or timeliness. Research findings should not be construed as investment advice or recommendations. Past performance discussed in research does not indicate future results.