Terms and Conditions

Effective Date: June 19, 2026

Welcome to MukundaTools NZ ("we", "our", or "us"). By accessing or using this website, you agree to these Terms and Conditions. If you do not agree, please do not use the website.

1. Use of the Website

MukundaTools NZ provides online calculators, informational tools, and related content for general informational purposes only.

You agree to use the website only for lawful purposes and in a manner that does not interfere with the operation of the website or other users' access to it.

2. No Financial, Tax, or Legal Advice

The information and calculations provided on this website are for informational and educational purposes only.

Nothing on this website constitutes:

  • Financial advice
  • Tax advice
  • Investment advice
  • Legal advice
  • Mortgage or lending advice

You should consult qualified professionals before making financial, tax, investment, or legal decisions.

3. Accuracy of Calculations

We strive to provide accurate and up-to-date calculators.

However:

  • Results are estimates only.
  • We do not guarantee the accuracy, completeness, or suitability of any calculation.
  • Tax rates, government policies, lending rules, and regulations may change without notice.

You are responsible for verifying any results before relying on them.

4. No Warranty

This website and its content are provided on an "as is" and "as available" basis.

We make no warranties, express or implied, regarding:

  • Accuracy of information
  • Availability of the website
  • Reliability of calculations
  • Fitness for a particular purpose

Your use of the website is entirely at your own risk.

5. Limitation of Liability

To the maximum extent permitted by law, MukundaTools NZ shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

  • Use of the website
  • Reliance on calculator results
  • Errors or omissions in calculations
  • Website downtime or interruptions
  • Financial or business decisions made using our tools

6. Third-Party Links

The website may contain links to third-party websites including banks, government agencies, advertisers, or other services.

We do not control or endorse these websites and are not responsible for their content, policies, or practices.

7. Intellectual Property

All content on this website, including text, design, graphics, logos, and calculators, is owned by MukundaTools NZ unless otherwise stated.

You may use the website for personal and non-commercial purposes.

You may not:

  • Copy or reproduce substantial portions of the website
  • Redistribute our calculators without permission
  • Use automated tools to scrape or harvest content from the website
  • Reverse engineer or commercially exploit our tools without authorization

8. Website Availability

We may modify, suspend, or discontinue any calculator, feature, or service at any time without prior notice.

We do not guarantee uninterrupted access to the website.

9. Changes to These Terms

We may update these Terms and Conditions from time to time.

Changes become effective immediately upon posting on this page.

Your continued use of the website after changes are posted constitutes acceptance of the updated terms.

10. Governing Law

These Terms and Conditions shall be governed by and interpreted in accordance with the laws applicable in New Zealand.

Any disputes arising from the use of this website shall be subject to the jurisdiction of the appropriate courts of New Zealand.

Contact

If you have any questions regarding these Terms and Conditions, please contact us through the contact page on our website.