Adviser Centre

Terms and Conditions

Thanks for using the Fidelity Life Adviser Centre website or mobile apps.

This website, and other related websites or mobile apps, are owned and operated by Fidelity Life
Assurance Company Limited and its subsidiaries. By accessing and using these websites or mobile
apps you agree to these terms and conditions, our Privacy Statement, and any other terms set out on
our websites or mobile apps.

Our websites and mobile apps are for the use of persons in New Zealand only.

New Zealand Law

The terms and conditions that apply to our websites or mobile apps are governed and construed
according to New Zealand law. These terms and conditions don't limit your rights under any New
Zealand law. Unless otherwise stated, references to currency are to New Zealand dollars.

Professional advice

The information provided on our websites or mobile apps is of a general nature and is for information
purposes only. It is not a substitute for financial or other professional advice, and doesn't take into
account any individual's particular circumstances. It is not intended to provide investment advice.
Investors should not rely on the information contained in this Website solely when making
investment decisions and you should get professional advice on your individual requirements before
making an investment decision.

Use of information

Use of our websites or mobile apps are subject to our Terms and Conditions as published at the time
of use.

We take all reasonable care to provide correct and up-to-date information on our websites or mobile
apps, but we don't warrant its accuracy, completeness or reliability. The information is subject to
change, including these terms and conditions, without notice.

We are not responsible for any recommendations, opinions, warranties or conditions on our websites
or mobile apps (expressed or implied). Fidelity Life directors, employees or contractors are not
responsible for any loss or damage incurred by you as a result of access to, use of or reliance on any
information on our websites or mobile apps.

We use virus protection software and apply updates as they are made available. We won't be
responsible for any loss or damage incurred by you as a result of unauthorised access to information
on our websites or mobile apps and/or your information held by them, nor guarantee the repayment
of capital or the performance or any particular rate of return from a managed fund (unless specifically
stated).

While reasonable care has been taken in producing and updating unit pricing information on the
Website, Fidelity Life reserves the right to amend that information at any time. Details of unit pricing,
fees and other details relevant to an investment are set out in the applicable investment statement,
and, upon request to us, we can confirm balances to you.

Any historical returns provided on this website are intended as a guide only. Past performance is not
necessarily an indicator of future performance. Any returns shown do not allow for charges for
administration to individual accounts (initial charges, service fees, withdrawal charges, switching fees
or withdrawal fees).

Please also refer to our Privacy Statement for more details on how your personal information is
collected and stored, and how you can access it.

Intellectual Property Rights

Fidelity Life owns the copyright of the information contained in this website and other related
websites or mobile apps, including images, text, screen, webpages and logos. The information
available on these websites or mobile apps may not be copied, reproduced, modified or published
without the written permission of Fidelity Life. If you'd like to use the information or services on our
websites or mobile apps for your own purposes, please contact us.

Links

Any links and references to other websites or mobile apps are provided for convenience and
informational purposes only, and don't represent any endorsement by Fidelity Life of those websites
or mobile apps or any information contained in those websites or mobile apps. Fidelity Life accepts no
responsibility in relation to information on any other websites or mobile apps.

You must not create a link to the website without the prior consent of Fidelity Life. If you create a link
to anywhere on our websites, Fidelity Life accepts no responsibility for any loss, damage, liability or
costs that arise from or in connection to the link. We recommend you read the privacy and security
policies on those websites and/or mobile apps to understand how they deal with your personal
information.

Limitation of liability

Subject to your rights available under consumer protection laws, Fidelity Life is not liable (in
negligence, tort, breach of contract, or otherwise) for any loss or damage (including direct or indirect
loss, or special or consequential loss) arising out of or in connection with:

• the use of (or inability to use) our websites or mobile apps by you or anyone else; and or
• the breach in the security of your computer, mobile or other device or the access to any
  information held on your computer, mobile or other device by unauthorised third parties.

Disclaimers

To the fullest extent permitted by law, Fidelity Life makes no warranties (express or implied), and
makes no representations, with respect to:

• the availability of our websites, mobile apps, website functions and or mobile app functions for
  your use;
• inability to access or use our websites or mobile apps due to limitations in network coverage or
  connectivity;
• website and mobile app disruptions, defects and technical errors that may occur from time to
  time;
• viruses and other harmful elements that may be present on websites, software, servers and
  mobile apps; and
• third party websites, applications, products and services.