TERMS AND CONDITIONS By accessing and using this website, you agree to comply with the following Terms and Conditions. If you do not agree, please discontinue use immediately. 1. Use of Website This website is intended for informational purposes only. You agree not to misuse the site, attempt unauthorized access, or engage in activities that may disrupt its proper functioning. 2. Intellectual Property All content, including text, graphics, logos, and design, is the property of this website or its licensors and is protected under New Zealand copyright and intellectual property laws. Unauthorized use or reproduction is strictly prohibited. 3. No Professional Advice The information provided does not constitute medical, legal, financial, or other professional advice. Always consult a qualified professional before making decisions based on content from this site. 4. Limitation of Liability We are not liable for any loss, damage, or consequence resulting from the use of this website. Access and use of content are entirely at your own risk. 5. External Links This site may contain links to third-party websites. We are not responsible for the content, policies, or practices of those external sites. 6. Modifications We reserve the right to modify these Terms and Conditions at any time. Changes take effect immediately upon being published on this page. 7. Governing Law These Terms and Conditions are governed by and construed in accordance with the laws of New Zealand. Any disputes shall be subject to the exclusive jurisdiction of New Zealand courts.