Terms & Conditions

The Homivise platform is designed for educational and informational purposes only. All content, scores, calculators, action plans, and AI-generated guidance provided by Homivise are intended to help users understand their homeownership journey — not to constitute professional advice of any kind.

Nothing on the Homivise platform constitutes financial advice. Homivise is not a licensed financial adviser. In New Zealand, financial advice is regulated under the Financial Markets Conduct Act 2013. Homivise is not authorised to provide regulated financial advice under that Act.

The Homivise Readiness Score, savings projections, deposit estimates, affordability indicators, timeline estimates, and all other outputs are simplified illustrative tools only. They are based solely on the information you provide, use simplified assumptions, and do not account for your full financial circumstances. They must not be relied upon for any financial decision.

You should always seek independent advice from a licensed financial adviser before making any financial decisions related to property, savings, or investment. In New Zealand, you can find licensed financial advisers at fma.govt.nz.

Homivise does not provide mortgage or lending advice. Any information relating to mortgage eligibility, repayments, LVR (loan-to-value ratio), interest rates, or lending criteria is provided for general educational purposes only and may not reflect current market conditions or your individual circumstances.

You should consult a licensed mortgage adviser or your bank before applying for any home loan. In New Zealand, mortgage advisers must hold a licence issued by the Financial Markets Authority under the Financial Markets Conduct Act 2013.

Homivise does not provide real estate advice. Homivise is not a licensed real estate agent. In New Zealand, real estate agents and agencies must be licensed with the Real Estate Authority (REA) under the Real Estate Agents Act 2008. You can verify a real estate professional's licence at publicregister.rea.govt.nz.

Nothing on the Homivise platform constitutes advice about whether to buy or sell a specific property, the value of any property, or any aspect of a real estate transaction.

While we strive to provide accurate and up-to-date information, Homivise makes no warranties or representations regarding the accuracy, completeness, or suitability of any content on the platform.

Property markets, interest rates, government assistance programmes, and lending criteria change frequently. Always verify information with relevant official sources and licensed professionals.

By using Homivise, you agree to:

• Provide accurate information when setting up your profile and requesting consultations.
• Use the platform for lawful, personal purposes only.
• Not attempt to misuse, hack, or disrupt the platform.
• Keep your account credentials secure and confidential.
• Not share false or misleading information that could affect other users.

When you submit a consultation request through Homivise, you may be connected with independent professionals (such as mortgage advisers or financial advisers). Homivise facilitates this connection as an information referral only and is not responsible for the advice, services, outcomes, or conduct of any third-party professional.

Any professional you engage through a Homivise referral is acting independently. Homivise does not endorse, warrant, or guarantee the quality, accuracy, or suitability of any advice or services provided by referred professionals. You must independently verify any professional's credentials and current licensing status before engaging their services.

In New Zealand: Financial advisers must be licensed under the Financial Markets Conduct Act 2013 (verify at fma.govt.nz). Real estate agents must be licensed with the REA (verify at publicregister.rea.govt.nz). Property valuers should be members of the Property Institute of New Zealand (PINZ).

To the fullest extent permitted by law, Homivise and its operators shall not be liable for:

• Any financial loss or damage arising from reliance on information provided by the platform.
• Decisions made based on your Homivise Readiness Score or action plan.
• The conduct or advice of any advisor connected through the platform.
• Any indirect, consequential, or incidental damages arising from use of the service.

All content, designs, and software on the Homivise platform are owned by Homivise and protected by applicable intellectual property laws. You may not copy, reproduce, or distribute any content without our prior written consent.

We reserve the right to suspend or terminate accounts that violate these Terms & Conditions or that we believe are being used fraudulently or unlawfully.

We may update these Terms & Conditions from time to time. Continued use of the platform after changes are posted constitutes acceptance of the updated terms.

If you have any questions about these Terms & Conditions, please contact us at:
homiadvisorinfo@gmail.com