Disclaimer

Important Information

Harbour Asset Management Limited (Harbour), at our discretion, provides investment management services. By accessing this site, you agree to be bound by the following conditions of use. If you do not agree, or if the stipulation below prohibits you from accessing and using the site, you must not continue to access or use the site.

Jurisdiction

The information and services available on or through this site do not constitute an offer or solicitation to conduct investment business outside of New Zealand. Our website is designed and intended for use in New Zealand only and by New Zealand residents only.

Investment Risk Warning and Disclosures

The investment services, products and any opinions, views or recommendations made or referred to on this site are provided for general information purposes only. To the extent that any such information, opinions, views and recommendations constitute advice, they do not take into account any person’s particular financial situation or goals and, accordingly, do not constitute personalised financial advice under the Financial Advisers Act 2008, nor do they constitute advice of a legal, tax, accounting or other nature to any person. Before investing, you should make yourself aware of the investment risks. Full information about the investment funds and the application process is available in the relevant Product Disclosure Statement / offering memorandum.

No person, including First NZ Capital companies, guarantees repayment of any capital invested or payment of any returns on capital invested in investment funds managed by Harbour. Actual performance will be affected by fund charges and tax. Past performance is not indicative of future results and no representation or warranty, express or implied, is made regarding future performance. Where an investment is denominated in a foreign currency, changes in rates of exchange may have an adverse effect on the value, price or income of the investment. Reference to taxation or the impact of taxation does not constitute tax advice. The rules on and bases of taxation can change. The value of any tax reliefs will depend on individual circumstances. You should consult your tax adviser in order to understand the impact of investment decisions on your tax position.

Employees of Harbour may have personal financial interests in the funds managed by Harbour.

Data, Information and Services

Any data and information on this site is provided in good faith and has been obtained from sources which we believe to be reliable and accurate but its accuracy and completeness is not guaranteed. We are not responsible for the accuracy of the information contained on the site provided by third parties. The data and information is provided “as is” and is subject to change without notice. Harbour is under no obligation if it becomes aware of any change or inaccuracy.

To the fullest extent permitted by law, no liability or responsibility is accepted for any loss or damage arising out of the use of or reliance on the information or services provided on this site including without limitation, any loss of profit or any other damage, direct or consequential. Information is subject to change without notice.

Certain data, information and services on or available through this site may be outside the control of Harbour or provided by a third party. Harbour is not responsible or liable for their content or for any delays, interruptions or errors in the provision of such data, information or services. Certain data and information accessible on or available through this site is the intellectual property of the relevant news and information services providers or other third parties that provide such data and information to the relevant service provider, or to Harbour. The data and information is protected by copyright and other intellectual property laws and all ownership rights remain with the information service provider or the third party or Harbour, as the case may be.

Where the information consists of pricing or performance data, the data contained therein has been obtained from sources believed reliable. Data computations are not guaranteed by any information service provider, third party or Harbour and may not be complete. Neither any information service provider, third party or Harbour give any warranties, express or implied, as to the accuracy, adequacy, quality or fitness, timeliness, non-infringement, title, of any information for a particular purpose or use and all such warranties are expressly excluded to the fullest extent that such warranties may be excluded by law. You bear all risk from any use or results of using any information. You are responsible for validating the integrity of any information received over the Internet.

This site and certain data and/or information on, or accessible through, this site or certain services provided by or through this site, may become unavailable at any time without notice. Harbour accepts no liability whatsoever to you or any other person for any loss or other consequence arising from or otherwise arising in connection with (i) any inaccuracy, incompleteness, incorrectness in, or delays, interruptions, errors or omissions in the delivery of the data, information or services or any other information or services supplied to you through this site or under the terms of any agreement with Harbour, or (ii) any decision made or not made or action taken by you or any other person in reliance upon the data, information or services.

Transmission may be subject to arbitrary delays beyond our control, which may delay the provision of our services. You acknowledge that no information service provider, third party nor Harbour will be liable to you or any third party for any losses arising from such delay.

In no event will any information provider, third party or Harbour be liable for any consequential loss including but not limited to special, incidental, direct or indirect damages resulting from delay or loss of use of our services. Harbour is not responsible for any damage to your computer, software, modem, telephone or other property resulting from your use of our services.

You may only use the data and information retrieved from this site for your own and non-commercial use. Copying and distribution of any of the contents of this site is strictly forbidden.

Fixed Interest disclaimer

The New Zealand Fixed Income Commentary is given in good faith and has been prepared from published information and other sources believed to be reliable, accurate and complete at the time of preparation but its accuracy and completeness is not guaranteed. Information and any analysis, opinions or views contained herein reflect a judgement at the date of preparation and are subject to change without notice. The information and any analysis, opinions or views made or referred to is for general information purposes only. To the extent that any such contents constitute advice, they do not take into account any person’s particular financial situation or goals, and accordingly, do not constitute personalised financial advice under the Financial Advisers Act 2008, nor do they constitute advice of a legal, tax, accounting or other nature to any person.. The bond market is volatile. The price, value and income derived from investments may fluctuate in that values can go down as well as up and investors may get back less than originally invested. Past performance is not indicative of future results, and no representation or warranty, express or implied, is made regarding future performance. Bonds and bond funds carry interest rate risk (as interest rates rise, bond prices usually fall, and vice versa), inflation risk and issuer credit and default risks. Where an investment is denominated in a foreign currency, changes in rates of exchange may have an adverse effect on the value, price or income of the investment. Reference to taxation or the impact of taxation does not constitute tax advice. The rules on and bases of taxation can change. The value of any tax reliefs will depend on your circumstances. You should consult your tax adviser in order to understand the impact of investment decisions on your tax position. To the maximum extent permitted by law, no liability or responsibility is accepted for any loss or damage, direct or consequential, arising from or in connection with this document or its contents. Actual performance of investments managed by Harbour Asset Management Limited will be affected by management charges. No person guarantees the performance of funds managed by Harbour Asset Management Limited.

Australasian Equity Disclaimer

The Australasian Equities Commentary is provided for general information purposes only. The information is given in good faith and has been prepared from published information and other sources believed to be reliable, accurate and complete at the time of preparation but its accuracy and completeness is not guaranteed. Information and any analysis, opinions or views contained herein reflect a judgement at the date of publication and are subject to change without notice. To the extent that any such information, analysis, opinions or views constitute advice, they do not take into account any person’s particular financial situation or goals and, accordingly, do not constitute personalised advice under the Financial Advisers Act 2008, nor do they constitute advice of a legal, tax, accounting or other nature to any persons. Investment in retail funds managed by Harbour Asset Management Limited can only be made using the Product Disclosure Statement, which should be read carefully before an investment decision is made. The price, value and income derived from investments may fluctuate in that values can go down as well as up and investors may get back less than originally invested. Where an investment is denominated in a foreign currency, changes in rates of exchange may have an adverse effect on the value, price or income of the investment. Reference to taxation or the impact of taxation does not constitute tax advice. The rules on and bases of taxation can change. The value of any tax reliefs will depend on your circumstances. You should consult your tax adviser in order to understand the impact of investment decisions on your tax position. No person guarantees repayment of any capital or payment of any returns on capital invested in the funds. Actual performance will be affected by fund charges. Past performance is not indicative of future results, and no representation or warranty, express or implied, is made regarding future performance. To the maximum extent permitted by law, no liability or responsibility is accepted for any loss or damage, direct or consequential, arising from or in connection with this presentation or its contents.

FundSource Disclaimer

Note: Fund Manager of the Year Awards are announced by FundSource, the investment strategy and research company. These awards should not be read as a recommendation by FundSource. For further advice on the relevance of this award to your personal situation consult your authorised financial adviser, or visit www.fundsource.co.nz.

S&P Dow Jones Indices LLC disclaimer

The S&P/ NZX Portfolio Index, S&P/ NZX 50 Index, S&P/NZX A-Grade Corporate Bond Index, S&P/NZX NZ Government Bond Index and NZX New Zealand Gross Returns 90 Day Bank Bills index(es) (“Index”) is a product of S&P Dow Jones Indices LLC and/or its affiliates and has been licensed for use by Harbour Asset Management.  Copyright © 2015 S&P Dow Jones Indices LLC, a subsidiary of McGraw Hill Financial Inc., and/or its affiliates. All rights reserved. Redistribution, reproduction and/or photocopying in whole or in part are prohibited without written permission of S&P Dow Jones Indices LLC. For more information on any of S&P Dow Jones Indices LLC’s indices please visit www.spdji.com.  S&P® is a registered trademark of Standard & Poor’s Financial Services LLC and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC. Neither S&P Dow Jones Indices LLC, Dow Jones Trademark Holdings LLC, their affiliates nor their third party licensors make any representation or warranty, express or implied, as to the ability of any index to accurately represent the asset class or market sector that it purports to represent and neither S&P Dow Jones Indices LLC, Dow Jones Trademark Holdings LLC, their affiliates nor their third party licensors shall have any liability for any errors, omissions, or interruptions of any index or the data included therein.

Morningstar disclaimer

©2016 Morningstar, Inc. All rights reserved. Neither Morningstar, its affiliates, nor the content providers guarantee the data or content contained herein to be accurate, complete or timely nor will they have any liability for its use or distribution. Any general advice or ‘class service’ have been prepared by Morningstar Australasia Pty Ltd (ABN: 95 090 665 544, AFSL: 240892) and/or Morningstar Research Ltd, subsidiaries of Morningstar, Inc, without reference to your objectives, financial situation or needs. Refer to our Financial Services Guide (FSG) for more information at www.morningstar.com.au/s/fsg.pdf. You should consider the advice in light of these matters and if applicable, the relevant Product Disclosure Statement before making any decision to invest. Our publications, ratings and products should be viewed as an additional investment resource, not as your sole source of information. Past performance does not necessarily indicate a financial product’s future performance. To obtain advice tailored to your situation, contact a professional financial adviser. Some material is copyright and published under licence from ASX Operations Pty Ltd ACN 004 523 782 (“ASXO”).