This website has been provided for general information only. Although every effort has been made to ensure the information on this website is accurate the contents should not be relied upon or used as a basis for entering into any products described on this website. To the extent that any information or recommendations on this website constitute financial advice, they do not take into account any person's particular financial situation or goals. Bank of New Zealand strongly recommends readers seek independent legal/financial advice prior to acting in relation to any of the matters discussed on this website. Neither Bank of New Zealand nor any person involved with this website accepts any liability for any loss or damage whatsoever may directly or indirectly result from any advice, opinion, information, representation or omission, whether negligent or otherwise, contained on this website.