Terms and Conditions

1. About Property Reports NZ

Property Reports NZ ("we", "us", "our", "the Company") operates a website and report generation service that produces automated property information reports for New Zealand residential and investment properties. Our reports are generated using publicly available information, third-party data sources, statistical models, algorithms, and artificial intelligence technology.

Property Reports NZ is not a registered financial adviser, mortgage adviser, valuer, real estate agent, lawyer, accountant, insurance adviser, building inspector, or engineer. We do not hold any licence, registration, or authorisation to provide advice in any of these professional capacities under New Zealand law.

2. Nature of Reports and Information

2.1 Automated Generation

All reports produced by Property Reports NZ are generated using automated processes, including artificial intelligence (AI) language models, algorithmic analysis, and statistical modelling. Reports are not prepared, reviewed, verified, or endorsed by any licensed professional unless expressly stated.

2.2 Data Sources

Reports may draw on information from publicly available sources including but not limited to: council websites, Land Information New Zealand (LINZ), property listing websites, news sources, real estate industry data, government databases, and third-party data providers. We do not independently verify the accuracy, currency, or completeness of any third-party data.

2.3 Report Contents

Reports may include any combination of the following, all of which are automated, illustrative, and informational only:

• Property scorecards and composite scores
• Comparable sales analysis and market range estimates
• Rental income estimates and projections
• Cash flow projections and financial modelling
• Neighbourhood analysis and scoring
• Local market statistics and trends
• Council information and capital values (CVs)
• Land values and improvements values
• Property and sales history
• Risk assessments including flood, coastal, and environmental risk
• Title information and legal property details sourced from third parties
• Investment insights and strategy comparisons (Buy & Hold, BRRRR, Fix & Flip)
• Five-year projections and capital growth estimates
• Renovation cost estimates and return on investment estimates
• AI-generated recommendations and signals
• Automated market value ranges and pricing estimates

3. Accuracy, Completeness, and Currency of Information

We make no representation, warranty, or guarantee — express or implied — that any information contained in a report is accurate, complete, current, reliable, suitable, or fit for any particular purpose. Information may be:

• Inaccurate, incomplete, or erroneous
• Outdated, delayed, or no longer current
• Based on incorrect, missing, or unavailable source data
• Affected by errors in AI processing or algorithmic modelling
• Inconsistent with information held by councils, LINZ, or other authoritative sources
• Subject to change without notice

You acknowledge that property markets are dynamic and that any information, estimate, projection, or analysis contained in a report may become inaccurate or obsolete at any time after the date of generation.

4. Not Professional Advice — Mandatory Disclaimer

Nothing contained in any report produced by Property Reports NZ constitutes, or should be construed as constituting, any of the following:

• Financial advice or financial product advice within the meaning of the Financial Markets Conduct Act 2013
• Investment advice or a recommendation to acquire or dispose of any investment
• Mortgage advice or lending advice
• Legal advice of any nature
• Tax advice or accounting advice
• Insurance advice
• Building, construction, or engineering advice
• A registered valuation or appraisal under the Valuers Act 1948
• A property appraisal or comparative market analysis by a licensed real estate agent under the Real Estate Agents Act 2008
• Any form of professional advice regulated under New Zealand law

You must not rely on any report or any part of any report as a substitute for obtaining independent professional advice appropriate to your specific circumstances before making any property purchase, sale, investment, lending, legal, tax, insurance, construction, or renovation decision.

5. Specific Disclaimers for Report Sections

5.1 Projections, Forecasts, and Estimates

All projections, forecasts, estimates, scores, rankings, rental estimates, cash flow forecasts, capital growth projections, renovation cost estimates, renovation return estimates, and future value estimates contained in any report are illustrative only. They are based on historical data, algorithmic modelling, and AI-generated assumptions that may not reflect actual future conditions. Past performance is not indicative of future results. Actual outcomes may differ materially from any projection or estimate. You must not rely on any such projection or estimate when making any decision.

5.2 Investment Strategies

Any reference to investment strategies — including but not limited to Buy and Hold, BRRRR (Buy, Rehab, Rent, Refinance, Repeat), Fix and Flip, Renovate and Hold, or any other strategy — is provided for general educational and illustrative purposes only. Such strategies are not tailored to your personal financial situation, goals, risk tolerance, or tax position. They are not recommendations and must not be acted upon without obtaining independent financial, legal, and tax advice.

5.3 Market Value Ranges and Pricing Estimates

Any automated market value range, pricing estimate, market range, or comparable sales analysis is not a registered valuation, appraisal, or certified assessment of value. It is not a recommendation to buy, sell, or offer any particular price. It is derived from automated analysis of publicly available comparable sales data and may be materially inaccurate. You should obtain a registered valuation from a qualified valuer before making any offer or sale decision.

5.4 Risk Assessments

Flood risk, coastal hazard, and environmental risk assessments contained in reports are generated from publicly available council and government data and are for general awareness only. They do not constitute an engineering, environmental, or geotechnical assessment. Risk classifications may be incomplete, outdated, or inaccurate. You should obtain an independent specialist assessment before making any decision based on risk information.

5.5 AI-Generated Recommendations and Signals

Recommendations, signals (such as "BUY", "WATCH", or "PASS"), and any AI-generated commentary are the output of an automated language model and are not the opinion or recommendation of any qualified professional. They are provided for general illustrative purposes and must not be relied upon for any decision-making purpose.

5.6 Rental Estimates

Weekly rental estimates and annual rental income projections are derived from automated analysis of publicly available rental listing data and algorithmic modelling. Actual achievable rental income will depend on many factors including property condition, market conditions, tenancy demand, and location-specific factors. These estimates are not guarantees of rental income and you should obtain advice from a licensed property manager before relying on any rental estimate.

5.7 Cash Flow Projections

Cash flow projections are illustrative models based on assumed purchase price (typically the council capital value), assumed deposit, an estimated interest rate, and estimated expenses. Actual mortgage rates, terms, lending conditions, expenses, vacancy rates, management costs, and tax treatment will vary. The projections do not constitute mortgage or lending advice and you should obtain independent advice from a licensed mortgage adviser and accountant before making any lending or investment decision.

5.8 Title and Legal Information

Any title, legal description, or property information sourced from LINZ or other third parties is provided for general awareness only and has not been verified by a lawyer. It does not constitute legal advice. You must instruct a solicitor to conduct proper title searches, review the LIM report, and advise you on any legal aspects of a property transaction before proceeding.

6. Limitation of Liability

6.1 Exclusion of Liability

To the maximum extent permitted by law, Property Reports NZ, its directors, employees, contractors, agents, and affiliates exclude all liability for any loss, damage, cost, expense, or claim of any kind (including but not limited to direct loss, indirect loss, consequential loss, loss of profit, loss of opportunity, loss of data, or any other economic loss) arising directly or indirectly from:

• Any reliance on the contents of any report
• Any inaccuracy, error, omission, or incompleteness in any report
• Any decision made using report information
• Any property purchase, sale, investment, lending, renovation, or other transaction entered into in reliance on any report
• Any failure of third-party data sources
• Any technical error or AI processing error

6.2 Consumer Guarantees Act

Where you are acquiring a report for the purposes of a business, the guarantees contained in the Consumer Guarantees Act 1993 do not apply and are expressly excluded. Where you are acquiring a report as a consumer, nothing in these Terms limits any rights you may have under the Consumer Guarantees Act 1993 that cannot lawfully be excluded.

6.3 Fair Trading Act

Nothing in these Terms excludes or limits any liability for misleading or deceptive conduct under the Fair Trading Act 1986 to the extent such liability cannot lawfully be excluded.

6.4 Maximum Liability Cap

To the extent any liability is not fully excluded under these Terms, our total aggregate liability to you for any claim arising from or related to a report is limited to the fee you paid for that report.

7. Assumption of Risk

You expressly acknowledge and accept that:

• Property investment carries inherent risk, including the risk of financial loss
• Automated reports cannot replace independent professional advice
• You are solely responsible for any decision you make using report information
• You have had the opportunity to read and understand these Terms before purchasing
• You are not relying on any representation by Property Reports NZ other than as set out in these Terms
• The report is purchased at your own risk

8. Payment and Refunds

Reports are a one-off purchase. Given the automated nature of report generation and the delivery of digital content, reports are non-refundable once generated. If a report cannot be generated due to a technical failure on our part, we will provide a full refund. Payments are processed securely via Stripe. We do not store your payment card details.

9. Intellectual Property

All reports generated by Property Reports NZ are provided for your personal use only. You may not reproduce, distribute, sell, or commercially exploit any report or any part of any report without our prior written consent. Underlying data sourced from third parties remains subject to the intellectual property rights of those third parties.

10. Privacy

We collect and process personal information (including your name, email address, and property address) for the purposes of generating and delivering your report, processing payment, and communicating with you about your order. We handle personal information in accordance with the Privacy Act 2020. We do not sell your personal information to third parties. For more information, please contact us directly.

Marketing Communications

By placing an order, you agree that we may use the email address you provide to send you occasional marketing communications about Property Reports NZ services, including new features, offers, and related products. You can unsubscribe at any time by replying to any email we send you or by contacting us at hello@propertyreportsnz.co.nz — this will not affect delivery of any report you have already purchased.

11. Governing Law

These Terms are governed by the laws of New Zealand. Any dispute arising from or in connection with these Terms or any report shall be subject to the exclusive jurisdiction of the New Zealand courts.

12. Changes to Terms

We may update these Terms from time to time. Updated Terms will be posted on this page with a revised date. Your continued use of our service after any update constitutes acceptance of the updated Terms. We recommend reviewing these Terms before each purchase.

13. Contact

If you have any questions about these Terms or any report you have received, please contact us at hello@propertyreportsnz.co.nz.