Terms of use

Use

FinLab provides free calculators and guides for personal, non-commercial use. Outputs are estimates from your inputs and published rules. Do not rely on them as the sole basis for a financial decision.

No warranty

The site is provided as is. FinLab does not warrant that any output is error-free or fit for your circumstances. Nothing in these terms limits rights you have under New Zealand consumer law that cannot be excluded.

Not financial advice

FinLab is not a licensed Financial Advice Provider. See the disclaimer.

Intellectual property

You may link to any page and share scenario links. Do not republish the guides or present the calculators as your own product.

Changes

Tools, rules and these terms may change. Material changes to how information is handled will appear on the privacy page.