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Disclaimer

Last updated: 30 January 2026

General Disclaimer

The information provided on Lifetimes.co.nz is for general informational purposes only. While we strive to keep content accurate and up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information, tools, or calculators on this website.

AI-Generated Content

Please be aware that much of the content on Lifetimes.co.nz is created with the assistance of artificial intelligence (AI). This includes articles, guides, summaries, and descriptive content throughout the site. AI-generated content:

  • May contain errors or inaccuracies — AI models can produce incorrect facts, figures, or outdated information
  • May not reflect the latest changes — Laws, tax rates, regulations, and policies change frequently and AI content may not always be current
  • Is not a substitute for professional advice — Always consult qualified professionals for decisions about your finances, health, taxes, immigration, or legal matters
  • Should be independently verified — We encourage you to cross-check important information with official sources such as the IRD, Immigration New Zealand, ACC, or other relevant government agencies

We review AI-generated content for quality, but given the volume of content, some errors may remain. If you spot an error, please report it and we will correct it promptly.

Calculator & Tool Disclaimer

All calculators and tools on Lifetimes.co.nz provide estimates only. They are designed to give you a general idea and should not be relied upon for making important financial, health, or life decisions. Specifically:

  • Tax calculators: Results are estimates based on general tax rates. Your actual tax may differ due to secondary income, tax credits, student loan repayments, KiwiSaver variations, and other factors. Always refer to the Inland Revenue (IRD) or a tax professional for accurate tax information.
  • Financial calculators: Mortgage, savings, loan, and budget calculators use simplified models and assumptions. Actual outcomes will vary based on market conditions, lender terms, and personal circumstances.
  • Health calculators: BMI, calorie, and other health tools provide general guidance only. They are not medical advice and should not replace consultation with a healthcare professional.
  • Conversion tools: While we aim for accuracy, rounding and data source variations may cause minor discrepancies.

Not Professional Advice

Nothing on this website constitutes:

  • Financial or investment advice
  • Tax advice
  • Legal advice
  • Medical or health advice
  • Immigration advice
  • Employment advice

For any decisions that could have significant personal, financial, or legal consequences, please consult an appropriately qualified professional.

External Links

This website contains links to external websites for reference and convenience. We do not control, endorse, or take responsibility for the content or practices of any linked third-party sites.

Advertisements

Advertisements displayed on this website are served by third-party advertising networks (including Google AdSense). We do not endorse the products or services advertised. Ad content is determined by the advertising network based on various factors and is not controlled by Lifetimes.co.nz.

Limitation of Liability

To the fullest extent permitted by the laws of New Zealand, Lifetimes.co.nz and its operators shall not be held liable for any loss, damage, or inconvenience arising from the use of or inability to use this website, its content, tools, or calculators. This includes, without limitation, any losses arising from:

  • Errors or inaccuracies in AI-generated content
  • Incorrect calculator or tool outputs
  • Outdated information (tax rates, regulations, etc.)
  • Reliance on any content without independent verification
  • Actions taken or not taken based on website content

Your Responsibility

By using this website, you acknowledge that:

  • You use all content, tools, and calculators at your own risk
  • You will verify important information independently before making decisions
  • You will seek qualified professional advice where appropriate

Contact

If you believe any content on this website is inaccurate or needs correction, please report the issue or email us at [email protected].