Terms of Use

1. Introduction

Welcome to the website of Silver Fern Finance Group Limited (“Silver Fern”, “we”, “our”, or “us”).

By accessing or using this website, you agree to be bound by these Terms of Use and our Privacy Policy (together, “the Terms”). If you do not agree with any part of these Terms, you must not use our website or online services.

We may update these Terms from time to time. The most recent version will always be available on our website. Your continued use of our website constitutes acceptance of the updated Terms.

2. Acceptable Use

You may use our website to:

View content through a web browser
Download or print pages for personal reference
Access investor information and related services offered by Silver Fern

You must not use our website for any unlawful, misleading, or harmful purpose, or in any way that could damage, disable, or impair its functionality.

Unless permitted by law or by us in writing, you must not:

Copy, reproduce, modify, republish, or distribute any material from our website for commercial use
Reverse-engineer, scrape, or data-mine content from our website
Circumvent security or access controls on the site

All information you provide to us through the website must be accurate, complete, and not misleading.

3. Access to Our Website

We aim to ensure our website is available at all times, but we make no guarantees about its continuous operation or content accuracy.

We reserve the right to suspend, modify, or withdraw the website (or any part of it) at any time without notice. Silver Fern will not be liable for any loss or inconvenience caused by such actions.

If you are provided with login credentials (for example, to access the Investor Portal), you are responsible for keeping them secure and confidential.

You must not share your credentials with any other person. Silver Fern may suspend or revoke access if we believe these Terms have been breached.

4. Intellectual Property

All intellectual property rights in this website, including design, text, graphics, software, and logos, are owned or licensed by Silver Fern Finance Group Limited unless stated otherwise.

You may not use or reproduce any part of our content without prior written consent.
Where content from other contributors or partners is used, their authorship must always be acknowledged.

5. Accuracy of Information

The material available on this website is provided for general information only and should not be regarded as financial or investment advice.

While we strive to ensure the accuracy and currency of all information, Silver Fern does not guarantee that the content is complete, reliable, or suitable for your intended use.

You should seek independent professional advice before making any investment or financial decisions.

6. Limitation of Liability

To the fullest extent permitted by law, Silver Fern will not be liable for any loss, damage, or expense arising from:

Use or inability to use our website or services
Reliance on any information provided on our website
Any error, omission, interruption, or technical failure
Any virus, malware, or other harmful components that may affect your device or data

Use of our website is at your own risk.

7. Security

We take reasonable precautions to protect our website and systems but cannot guarantee that it will always be free from viruses or malicious software.

You are responsible for ensuring your own systems are protected when accessing our site or downloading content.

8. Third-Party Links

Our website may contain links to third-party websites for convenience or information purposes. Silver Fern does not control and is not responsible for the availability, accuracy, or content of such external sites.

Inclusion of any link does not imply endorsement by Silver Fern. You access linked sites entirely at your own risk.

You may link to our homepage only with our consent, provided the link does not damage our reputation or imply any false association.

We reserve the right to withdraw linking permission at any time.

9. Privacy

We are committed to protecting your personal information and complying with the Privacy Act 2020.

Our Privacy Policy outlines how we collect, use, and disclose your data when you use our website or online services.

By using our site, you consent to that policy.
If you do not agree, please refrain from using our website or investor portal.

10. Electronic Communications

Silver Fern may send information or updates via email or other electronic means.
While we take care to ensure accuracy, we cannot guarantee secure transmission or prevent unauthorised access once communications leave our servers.

By providing your email or phone number, you consent to receive messages about our services and offers. You may unsubscribe at any time.

11. Governing Law

These Terms of Use are governed by the laws of New Zealand.
By using our website, you agree to submit to the non-exclusive jurisdiction of the New Zealand courts in relation to any dispute arising under these Terms.

12. Changes to These Terms

Silver Fern may modify or replace these Terms at any time without prior notice.
Any changes will take effect immediately upon publication on our website.
It is your responsibility to review this page periodically to stay informed of updates. If you continue to use the website after changes are posted, you will be deemed to have accepted the revised Terms.

Last updated: 24 October 2025