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What a rollercoaster 2020 has been! This year has likely made you a bit more aware of your finances, and it might have been more of a struggle to meet your financial goals. So what can you learn fr...
With the housing market running pretty hot at the moment, a lot of first home buyers are looking to get into a new home. They might need a bit of a helping hand getting onto the property ladder tho...
Self-employed people are usually covered under ACC so it might seem like any other insurance isn’t really necessary. But when you’re self-employed, making sure you’re covered for any eventuality is...
If you’ve got any insurance policies in place, you might have heard about excess. You probably have a certain amount of insurance excess on your existing policy, but do you know how much? And how d...
If you’re looking to buy your first home, the amount of information out there can be daunting. From figuring out how to get a mortgage to knowing what to look for at open homes, there’s a lot to le...
Debt tends to be seen as a warning sign by banks and lenders as they factor in debt repayments as well as mortgage payments – so the more debt you have, the less you’ll be able to pay towards...
It might not be something you’ve really thought about in detail, but protecting your small business from cyber-security threats is so important, particularly if you’re dealing with a lot of sensiti...
Whilst many of us regularly contribute to KiwiSaver, not all of us know exactly what fund type we’re in. This can be quite detrimental to your overall savings at retirement, especially if you’re on...
If you’re looking to purchase a new home, especially if it’s your first, it can be a bit of a process getting a home loan sorted if you’re not sure what you’re in for. Sometimes we get too invested...
Disqualified Participants’ are: (a) all Haven Financial Advisers employees (b) all people under the age of 18 years (c) all people without a qualifying delivery address.
Or,
Refer someone else to complete a financial review with any of Haven’s advisers for any service during the entry period and if they complete the review you will receive one entry each into the Competition.
The Winners will be determined by Haven Financial Advisers and will be final and no correspondence will be entered into.
The Winners will be notified by email, phone (voice or text), mail or in person. Where attempts to contact a Winner fail (e.g. when the Winner cannot be contacted by phone after three attempts or mail sent is returned) Haven Financial Advisers will select another winner. If, after successful notification, the prize is not collected within two months of being announced, it will be regarded as forfeit. (Note: 3 attempts to contact the Winner will include individual calls to any numbers provided at the time of entry.
Where the Winner is required to claim the prize in person, they must provide proper identification (eg driver’s licence, passport, birth certificate).
The Winner takes the Prize entirely at his/her own risk and indemnifies Haven Financial Advisers in respect of any claim for any accident, injury, property damage or loss of life that may occur in connection with the prize. The Winner is responsible for all insurance, tax or other costs that may be associated with the Prize. Where the Prize has associated terms and conditions the Winner accepts the Prize subject to those terms and conditions and restrictions.
The Prize must be taken as stated and no compensation will be payable if the Winner is unable to use the Prize as stated.
The Promoter (Haven Financial Advisers Limited) will not be liable for any prize(s) that do not reach the winners for reasons beyond the Promoter’s reasonable control. Where a prize is being supplied by a third party, the Promoter accepts no responsibility in connection with the provision of the prize, including without limitation, the failure of the winner to receive ownership of, or use of, the prize or any performance issues associated with the prize.
The Promoter will not be liable for failure to provide (or delay in providing) the Prize resulting from any events, circumstances or causes beyond its reasonable control, including but not limited to acts of god (natural disasters), acts of war or terrorism, national emergencies, issues of public health and safety, pandemic, mechanical breakdown, industry disputes, riots or failure of communication or power supply or voluntary or involuntary compliance with any regulation, law or order of any government.
Prizes may be subject to additional terms and conditions imposed by a third party.
The Promoter will not be responsible for any loss or damage suffered by entrants or anyone else as a result of, arising out of, or in any way connected with the Promotion or its prizes.
The Promoter collects and holds personal information provided by entrants for the purposes of administering this Promotion and for future Promoter promotional purposes. All personal information provided by entrants will be held by the Promoter and will not be provided to third parties unless otherwise specifically set out. Under the Privacy Act 2020, entrants have the right to access and correct their personal information.
The Haven Travel Promotion is only open to legal residents of New Zealand who are eighteen (18) years of age or older.
Disqualified Participants’ are: (a) all Haven Financial Advisers employees (b) all people under the age of 18 years.
The Competition begins on Monday 13th March 2023 to Wednesday 31st May 2023.
Complete a financial review with any of Haven’s advisers for any service during the entry period and you will receive one entry into the Competition.
The final winner will be drawn on Monday 5th June via random selection by Haven Financial Advisers.
