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Terms & Conditions

The following terms of use are important. Please read them and contact Rutherford Rede Limited (us, we or our) with any questions.


By accessing or using the website of Rutherford Rede Limited you are agreeing to these terms of use, including any changes to these terms of use made from time to time. You must not use or access the website if you do not agree to these terms. Any reference to ‘information’ in these terms of use includes information on this website as well as any information linked from this website.


The website is a general information service provided by Rutherford Rede Limited. The information provided and services described are of a general nature and are not intended to be personalised financial advice to a retail client. The information provided in this website is not intended to be a substitute for professional advice. You may seek appropriate personalised financial advice from a qualified professional to suit your individual circumstances. You should not do, or refrain from doing, anything based on the information provided in this site without first obtaining professional advice from a financial adviser. We can help you decide whether your decision is appropriate for you.


The information published on this website is governed by, and has been prepared to comply with, the New Zealand law. The information is only intended for persons within the New Zealand jurisdiction and is not intended for persons outside the New Zealand jurisdiction. We do not accept responsibility for the compliance of this information with the laws of any other country. The laws of New Zealand shall govern your use of the website and by visiting this website you hereby agree to the exclusive jurisdiction of the New Zealand courts.

No offer or recommendation

Nothing in this site is, or should be taken as, an offer, invitation or recommendation to buy or sell any insurance product represented herein without first obtaining professional advice regarding its appropriateness to your personal circumstances.

Intellectual property

Copyright in this site is owned by us, unless otherwise indicated. You are entitled to use the information in this site for your personal reference only. You must not reproduce or distribute content from this site or any part of it, nor transmit it to any other person or incorporate it in any way in any other document or materials.

Disclosure statements

A disclosure statement relating to the advisers associated with this website is available on request and free of charge.


While every effort is made to ensure the information on this website is up-to-date and correct, we make no representations or warranties of any kind, express or implied, about the accuracy, reliability, completeness, suitability, or availability of the website or the information about the products and services provided on the website. The information on this website is subject to change at any time without notice to you. Any reference on this website to historical information and performance of a product or service may not necessarily be a good guide to future performance. You are solely responsible for any actions you take or do not take by relying on such information.


To the full extent legally allowable, the directors, contractors, associates and staff expressly disclaim all and any liability (including by reason of negligence) and responsibility to any person in respect of anything, and of the consequences of anything, done or omitted to be done by any such person in reliance, whether wholly or partially, upon the whole or any part of the contents of this website. The disclaimers and limitations of liability do not prejudice your rights under the Consumer Guarantees Act 1993, nor are they intended to exclude liability arising under statute.

Linked websites

Through this website you may be able to link to other websites which are not under our control and we have no knowledge of or control over the nature, content, and availability of those websites. We do not sponsor, recommend, or endorse anything contained on these linked websites. We do not accept any liability of any description for any loss by you by relying on anything contained or not contained on these linked websites.


Rutherford Rede
91 College Hill, Ponsonby
Auckland, 1011, New Zealand

Rutherford Rede © 2023. All rights reserved.