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Last updated: 09 May 2026
These Website Terms of Use apply to your access to and use of the Echo Financial Advisors Ltd website.
By using this website, you agree to these terms. If you do not agree with these terms, please do not use this website.
This website is owned and operated by:
1.2. If you do not agree with these Terms and Conditions, please do not proceed with opening an account with Echo Financial Advisors Ltd.
Echo Financial Advisors Ltd
Financial Advice Provider
FSP1001566
Website: www.echo-financial-advisors.co.nz
Email: info@echo-financial-advisors.co.nz
Echo Financial Advisors Ltd is a licensed Financial Advice Provider under the Financial Markets Conduct Act 2013. We are regulated by the Financial Markets Authority and provide investment-related financial advice services to New Zealand clients.
Most financial advice providers in New Zealand must be licensed by the Financial Markets Authority and comply with professional conduct obligations.
This website is designed to provide general information about Echo Financial Advisors Ltd, our services, our investment advice approach, our diagnostic review services, and our areas of expertise.
The information on this website is provided for general information only. It is not intended to be personal financial advice, legal advice, tax advice, accounting advice, mortgage advice, insurance advice, or any other form of professional advice.
Nothing on this website should be treated as personalised financial advice.
Website content is not prepared with regard to your personal financial situation, goals, needs, investment timeframe, risk tolerance, tax position, or other circumstances.
You should not make investment decisions based only on information published on this website.
Personalised financial advice is only provided after Echo Financial Advisors Ltd has formally agreed to provide services to you, collected and assessed relevant information, confirmed the nature and scope of the engagement, and provided advice through the appropriate advice process.
Using this website, reading content, downloading material, submitting a form, booking a call, or contacting Echo Financial Advisors Ltd does not automatically create an adviser-client relationship.
An adviser-client relationship only begins when Echo Financial Advisors Ltd has formally accepted you as a client and the relevant engagement terms, scope, fees, and advice process have been confirmed.
Echo Financial Advisors Ltd may decline to provide services where we consider that your needs fall outside our licence scope, service model, capability, capacity, or client-fit criteria.
Echo Financial Advisors Ltd provides financial advice services to New Zealand clients.
Website content is prepared for a New Zealand context and may not be suitable for people located in other jurisdictions.
If you access this website from outside New Zealand, you are responsible for ensuring that your use of the website complies with any laws that apply to you.
Echo Financial Advisors Ltd provides investment-related financial advice.
Unless expressly agreed in writing, we do not provide:
Where a matter requires specialist tax, legal, accounting, mortgage, insurance, estate-planning, or other professional advice, you should seek advice from an appropriately qualified professional.
Echo Financial Advisors Ltd does not operate a discretionary investment management service.
We do not make investment transactions without your instruction or approval.
Where implementation is arranged through a third-party platform, broker, custodian, fund manager, bank, or product provider, you remain responsible for authorising the relevant transaction, instruction, or account action.
Echo Financial Advisors Ltd does not hold client money, securities, or assets. Client assets are held through the relevant third-party provider, platform, broker, custodian, bank, or product provider.
All investments involve risk.
Investment values and returns can rise or fall, and you may receive back less than you invest. Past performance is not a reliable indicator of future performance.
This investment is designed for a long-term horizon of 7–10+ years. Short-term price drops of 10–20% are normal risks.
Currency movements, inflation, interest rates, market conditions, economic conditions, liquidity, product structure, tax settings, and provider-specific risks may also affect investment outcomes.
No content on this website guarantees any investment result, portfolio outcome, return, income level, capital protection, or financial objective.
You are welcome to seek independent financial, tax, or legal advice before acting on any information or entering into an engagement with Echo Financial Advisors Ltd. Please confirm whether you wish to do so where this is relevant to the advice or engagement.
We aim to keep the information on this website accurate and up to date. However, website content may become outdated, incomplete, or incorrect over time.
Echo Financial Advisors Ltd does not guarantee that all website content is accurate, complete, current, or suitable for your circumstances.
We may update, remove, replace, or change website content at any time without notice.
This website may include links to third-party websites, platforms, booking systems, resources, articles, providers, tools, or services.
Third-party links are provided for convenience only. Echo Financial Advisors Ltd does not control third-party websites and is not responsible for their content, privacy practices, security, accuracy, availability, or terms of use.
Accessing third-party websites or services is at your own risk.
This website may include forms, booking tools, questionnaires, calculators, diagnostics, downloads, checklists, guides, or other interactive resources.
Unless expressly stated otherwise, these tools and resources are provided for general information, education, triage, or enquiry purposes only.
They do not constitute personalised financial advice, a full financial plan, a statement of advice, a recommendation to buy or sell a financial product, or an instruction to take action.
Any output from a website tool, form, calculator, questionnaire, or diagnostic must be reviewed in the context of your personal circumstances before any financial decision is made.
Unless otherwise stated, all content on this website is owned by or licensed to Echo Financial Advisors Ltd.
This includes text, design, layout, branding, graphics, logos, icons, images, downloads, frameworks, articles, tools, and other website material.
You may view, download, or print website content for your own personal, non-commercial use.
You must not copy, reproduce, modify, distribute, republish, sell, licence, upload, transmit, or use website content for commercial purposes without our prior written consent.
You must not use this website in a way that:
We may restrict, suspend, or block access to the website where we consider it necessary to protect Echo Financial Advisors Ltd, website users, clients, systems, or data.
Your use of this website is also governed by our Privacy Policy.
Our Privacy Policy explains how we collect, use, store, disclose, and protect personal information.
New Zealand’s Privacy Act 2020 governs how agencies collect, store, use, and share personal information, and the Privacy Commissioner explains that overseas disclosure of personal information is subject to specific safeguards under Information Privacy Principle 12.
Please review our Privacy Policy before providing personal information through this website.
We take reasonable steps to maintain website security and availability. However, we do not guarantee that the website will always be available, uninterrupted, secure, error-free, or free from viruses or other harmful components.
You are responsible for using appropriate security measures when accessing the website, including secure devices, updated software, strong passwords, and appropriate browser security settings.
To the maximum extent permitted by law, Echo Financial Advisors Ltd is not liable for any loss, damage, cost, expense, or claim arising from:
Nothing in these terms limits any liability that cannot legally be excluded or limited under New Zealand law.
Echo Financial Advisors Ltd maintains disclosure information about our financial advice services, including information about our licence, nature and scope of advice, fees, conflicts of interest, complaints process, dispute resolution scheme, and legal duties.
Financial advice disclosure requirements are intended to help the public choose a financial advice provider that meets their needs.
Your continued use of this website after changes are published means you accept the updated terms.
We may update these Website Terms of Use from time to time.
The updated version will be published on this website with the “Last updated” date amended.
Your continued use of this website after changes are published means you accept the updated terms.
These Website Terms of Use are governed by the laws of New Zealand.
Any dispute relating to these terms or your use of this website is subject to the jurisdiction of the New Zealand courts.
If you have any questions about these Website Terms of Use, please contact:
Echo Financial Advisors Ltd
Email: info@echo-financial-advisors.co.nz
Website: www.echo-financial-advisors.co.nz
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