Website Terms and Privacy Statement
By viewing and using this website, you agree to have read and accepted the following terms and conditions of use.
If you do not agree to these terms or if you are dissatisfied with any portion of this website, your sole and exclusive remedy is to discontinue use.
We may change these terms and conditions at any time. Any changes to these terms apply from when they are published on this site.
For these terms and conditions, “this website”, “we” and “our” shall mean Rod Schubert Financial Advice Limited T/A Real Savvy Financial Advice.
Disclaimer
Information on this website may change at any time and is provided “as is”. Every effort has been made to ensure the information on this site is accurate and up to date. We accept no responsibility for any errors, omissions, or inaccuracies in the information. The provision of information on this website will not constitute any representation, warranty or undertaking (either express or implied) that the data is correct or that the information is current and up to date. The contents are not a substitute for specific advice for your circumstances and should not be relied upon as such.
The information is only intended to be general in nature. It should not be relied upon in any part without obtaining full details of the products and services by contacting Real Savvy Financial Advice. All product and service details, terms, conditions, and other information are subject to change at any time without notice. Terms, conditions, and fees apply to the various products and services and are available on request. A disclosure document will be provided to you on request, free of charge.
You must take your own precautions to ensure that the process you employ for accessing this website does not expose you to the risk of viruses, malicious computer code, or other forms of interference, which may damage your computer system.
We will not be liable for any loss, damage, cost, or expense whatsoever suffered because of the use of this site, inability to use this site, reliance on the information on this site or through directly or indirectly applying information on this site or its services.
If you are using this website or purchasing goods for business purposes, you agree that the New Zealand Consumers Guarantees Act 1993 does not apply.
Other Sites
We are not responsible for and have no knowledge of, or control over, the content of any other websites linked to from this website. Links to other websites are provided for your information and convenience only. We accept no liability for the content of those websites, and the use of any information on any linked website is at your sole risk.
Intellectual Property
Real Savvy Financial Advice and any other persons expressly indicated on this site own or have rights to use all proprietary and intellectual property rights on the site and its contents (including, without limitation, copyright, logos, and trademarks).
Real Savvy Financial Advice welcomes the use of this site for your non-commercial use if you do not remove any copyright, trademark and other proprietary notices contained in the content. You may not copy, display, or redistribute for commercial purposes any portion of the information on this site without our express permission. Any rights not expressly granted in these terms and conditions are reserved.
Privacy
Real Savvy Financial Advice respects and protects your privacy.
We do not collect private or personal information from this website unless you willingly and expressly provide it.
We will not disclose any of your personal information except when:
- We have your permission.
- It is required for the delivery of our services to you.
- It is required by law.
We will never rent, sell, or barter your personal information to a third party for purposes unrelated to your use of our services.
Unfortunately, no data transmission over the internet can be guaranteed as totally secure. While we strive to protect such information, we do not warrant or guarantee the security of any information you transmit. Accordingly, any information you transmit to us is at your own risk.
However, once received, the information submitted via this site is kept confidential. Your information will be stored in our customer database (CRM) or other Real Savvy Financial Advice monitored software. We may use this information to contact you in response to queries or send you news and information that we believe may be useful to you.
Third-Party Information (effective 1 May 2026)
Where Real Savvy Financial Advice receives personal information about you from a third party, such as a referring adviser, accountant, or other professional, we will notify you of:
- What information is received.
- Which party provided the information.
- How we intend to use it.
This obligation applies where the information received goes beyond basic contact details (such as name and email address) and includes income, existing debts, insurance needs, financial statements, or cash flow information.
This notification will be provided to you at or before the time we first contact you, or as soon as practicable thereafter.
This reflects our obligations under Information Privacy Principle 3 of the Privacy Act 2020.
Call Recording
Real Savvy Financial Advice may record telephone calls for compliance, quality assurance, and record-keeping purposes. This applies to both inbound and outbound calls made by Real Savvy Financial Advice staff or authorised contractors working under our brand and FAP licence.
Call recordings may be used to:
- Verify advice given verbally to clients.
- Resolve disputes or complaints.
- Meet our obligations under the Financial Markets Conduct Act 2013 and the Financial Advisers Act 2008.
- Support training and quality review.
Call recordings are stored securely and are accessible only to authorised personnel.
You may request access to a recording of your call under the Privacy Act 2020 by contacting us directly.
You may request access to and correction of information under the Privacy Act 2020 by contacting us directly.
Site Activity Tracking
We use analytics technology, such as but not limited to Google Analytics, to measure your use of our site. Such tools use “cookies”, which are text files placed on your computer. Cookies do not capture or track any personal information and cannot identify you as an individual.
You may refuse to accept cookies by selecting the appropriate settings in your browser. However, please note that if you do this, you may not be able to use all the website’s functionality.
Any information gathered about your use of this site is only used to help us improve the content or layout of this website. It is not used for marketing purposes.
The information generated by the Google Analytics cookie about your use of this website is transmitted to and stored on Google’s servers. Google will use this information to evaluate your website use and compile reports on website activity and internet usage. Google will not associate your IP address with any other data it holds. You may wish to read Google’s privacy policy or the Google Analytics Terms of Service.
Electronic Communication Act and Spam
We do not spam people, but we utilise permission marketing for commercial communications. Inferred consent is taken when you contact us, but have not directly instructed us to send you a message; you may unsubscribe at any point by:
- Using the “unsubscribe” option available to you within the correspondence received, or
- Replying to the email and adding “UNSUBSCRIBE” in the subject line.
In addition to your rights set out above, you may:
- Update or rectify any of the Personal Data that we hold about you.
- Withdraw your consent to Real Savvy Financial Advice’s use of your Personal Information as described in this Privacy Statement by formally requesting this of us. While this may imply that we expect to destroy your data, this request does not override regulatory requirements for us to continue to hold records, as stated in the various legislative acts that apply to the advice services we provide.
Jurisdiction
The laws of New Zealand govern these terms and conditions, and you consent to the exclusive jurisdiction of the Courts of New Zealand.