Terms and Conditions

Last Updated: February 6, 2026

Welcome to FloatOrFix (“we”, “us”, “our”). By accessing or using our website located at floatorfix.co.nz (the “Site”) and our mortgage analysis tools (the “Service”), you agree to be bound by these Terms and Conditions (“Terms”).

If you do not agree to these Terms, please do not use our Service.

1. Not Financial Advice (The Important Part)

FloatOrFix is a technology tool, not a Financial Advice Provider.

By using this Service, you explicitly acknowledge and agree that:

  1. Information Only: The content, reports, and strategies generated by FloatOrFix are for informational and educational purposes only. They are based on mathematical models, historical data, and public economic forecasts.

  2. No Fiduciary Duty: We do not act as your financial adviser, mortgage broker, or fiduciary. We do not take into account your full personal financial situation, risk tolerance, or future goals beyond the limited inputs you provide.

  3. Consult a Professional: You should strictly consult with a qualified, licensed New Zealand mortgage broker or financial adviser before making any decisions regarding your mortgage or interest rates.

  4. Use at Your Own Risk: Any decision you make based on information from this Service is your sole responsibility.

2. Accuracy of Information

We strive to keep our data as accurate as possible by syncing with official RBNZ reports and major bank forecasts. However:

  • No Guarantee: We do not warrant the accuracy, completeness, or timeliness of the information provided. Economic conditions can change instantly.

  • Third-Party Data: Our analysis relies on data from third parties (e.g., banks, government agencies). We are not responsible for errors or omissions in that third-party data.

  • Future Predictions: Any “forecasts” or “strategies” regarding future interest rates are speculative. No one can predict the market with 100% certainty.

3. Access and Security

To access the Service, you may be required to verify your email address.

  • Security: You are responsible for maintaining the confidentiality of your Access Code.

  • Verification: You agree to provide accurate and current information.

  • Bot Prevention: We reserve the right to block access if we detect automated bot activity or abusive usage patterns that threaten the stability of our Service.

4. Intellectual Property

The Service and its original content, features, and functionality (including our “Deep Research” algorithms, “Sweet Spot” methodology, and the FloatOrFix logo) are and will remain the exclusive property of FloatOrFix.

  • License: We grant you a limited, non-exclusive, non-transferable license to use the Service for your personal, non-commercial use.

  • Restrictions: You may not copy, modify, distribute, sell, or lease any part of our Services or included software.

5. Third-Party Links and Tools

Our Service may contain links to third-party websites (e.g., bank websites, “Buy Me a Coffee” donation platforms, or mortgage broker partners).

  • We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.

  • You acknowledge and agree that FloatOrFix shall not be liable for any damage or loss caused by your use of any third-party content or services.

6. Limitation of Liability

To the fullest extent permitted by New Zealand law:

  • FloatOrFix shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to financial loss, loss of profits, data, or goodwill, resulting from your use of or inability to use the Service.

  • This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damage.

7. Changes to Service and Terms

We reserve the right to withdraw or amend our Service, and any service or material we provide, in our sole discretion without notice. We may also update these Terms from time to time. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes.

8. Governing Law

These Terms shall be governed and construed in accordance with the laws of New Zealand, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts of New Zealand.

9. Contact Us

If you have any questions about these Terms, please contact us via our Contact Page.