Terms Of Use & Disclaimer


Welcome to StartRunGrow

These terms of use apply to all users of the StartRunGrow sites or any of its products. StartRunGrow is operated in your country by the StartRunGrow Business Group under license to SRG International Trust (UK), world licence holder for StartRunGrow.com and associated websites.

1. Agreement

By accessing the information, products and services contained inour site you agree to be bound by the terms and conditions of our Agreement. The terms and conditions of this Agreement may, from time to time, change. Upon each occasion that the terms and conditions of the Agreement change there will be a notification on our site for 60 days. By continuing to access the information, products and services contained in our site you will have by doing so indicated that you have agreed to the terms and conditions prevailing from time to time.

What you MUST do

  1. You must use all StartRunGrow sites in a responsible manner.
  2. If you are under 12 years of age, you must obtain a parent/guardian's consent prior to using any StartRunGrow site.

What you MUST NOT do

  1. Use StartRunGrow sites for any activities or post or transmit to or via any StartRunGrow sites any information or materials which breach any laws or regulations, infringe a third party's rights, or are contrary to any relevant standards or codes;
  2. Use StartRunGrow sites in a way or post to or transmit to or via any StartRunGrow sites any material which interferes with other users or defames, harasses, threatens, menaces, offends or restricts any person or which inhibits any other user from using or enjoying any StartRunGrow site
  3. Use StartRunGrow sites to send unsolicited electronic mail messages to anyone;
  4. Make any fraudulent or speculative enquiries, bookings, reservations or requests using StartRunGrow sites;
  5. Use any other persons or entity's name, username or password without written permission;
  6. Post, or transmit via StartRunGrow sites, any obscene, indecent, inflammatory or pornographic material or material that could give rise to civil or criminal proceedings;
  7. Tamper with, hinder the operation of or make unauthorised modifications to StartRunGrow sites;
  8. Knowingly transmit any virus or other disabling feature to StartRunGrow sites
  9. Attempt any of the above acts or permit another person to do any of the above acts.
  10. Copy or use any material for the use of any other persons or persons (except for your own personal use) without written permission from StartRunGrow

2. Third-Party Products, Services & Content

2.1 Some of the products, services and information used or offered for sale on StartRunGrow sites may be with permission of third parties.

2.2 The third party products, services and information are not provided or endorsed by us and your legal relationship is with the third party supplier.

2.3 We have not checked the accuracy or completeness of the information or the suitability or quality of the products and services of any third parties. You must make your own enquiries with the relevant third party supplier direct before relying on the third party information or entering into a transaction in relation to the third party products and services supplied via StartRunGrow sites. You should check with the third party supplier whether there are additional charges and terms, which may apply.

2.4 We may receive fees and/or commissions from third parties for goods and services of such third parties displayed or made available on StartRunGrow sites or accessible through a hyperlink on StartRunGrow sites. You acknowledge and consent to us receiving these fees.

2.5 All prices displayed and products and services offered for supply on any StartRunGrow sites are subject to change without notice.

3. Not Advice

Where information of any type including financial, investment, money, general business, business content or news is displayed on StartRunGrow sites, you acknowledge that StartRunGrow and its associates are in no way responsible for the accuracy of the said information and are in no way providing or holding out as providing business, financial, investment, accounting or any form of professional advice.

The said information is provided for general use only as an educational help and is not guaranteed to be totally accurate or up to date. No guarantees are given that the information displayed on the sites is the most current to that day. The information provided does not purport to be business, financial, investment, accounting or any form of professional advice and must not be viewed in any way whatsoever as a substitute for independent professional advice.

You agree and acknowledge that any services provided on this site, (which may include but not be limited to the services of an insurance broker, mortgage lender, personal banking, business or other financial or professional services) (the "Services") is only an invitation for you to exchange information so that we or (where applicable) the relevant institution may determine whether it is to mutual advantage to do business with each other.

For example, any application for a loan or information disclosed by you in contemplation of applying for a loan is not to be construed as an offer by StartRunGrow or the relevant institution that is capable of acceptance. Further, the state or country in which you reside or do business may have particular laws, which render the information provided inapplicable to your specific situation.

StartRunGrow are information providers only - they are not advisers. StartRunGrow is not permitted by it's constitution to provide or offer advice of any kind on any matter whether business, financial or otherwise. Any enquiries received from users seeking answers believed to be advice or views or opinions will not be answered and an email to the enquirer to that effect will be sent to explain the StartRunGrow position and policy.

4. Confidentiality

The Internet is not completely secure and while StartRunGrow sites use their best endeavours to ensure that your information remains confidential (including the use of advanced encryption technology) there remains a possibility that unauthorised persons could intercept information you provide. By accessing our site, you accept the terms of our privacy policy, which are displayed on all sites and incorporated herein.

5. Indemnity

You agree to indemnify us and our officers, employees, agents and related corporate from and against all actions, claims, suits, demands, damages, liabilities, costs or expenses arising out of or in any way connected to the use of any StartRunGrow site by you or anyone using your name and password.

6. Disclaimer & Limitation of Liability

The Trade Practices Act (or similar Legislation in New Zealand, Australia, Canada, USA, UK, Ireland, South Africa, Israel, India, Singapore, South Korea), may confer rights and remedies on you in relation to the provision by StartRunGrow of goods or services on StartRunGrow sites which cannot be excluded, restricted or modified ("Non-excludable Rights"). StartRunGrow sites do not exclude any non-excludable rights but does exclude all other conditions and warranties implied by custom, law or statute.

Except as provided for by any Non-Excludable Rights:

  1. All StartRunGrow Content is provided "as is" and without warranties of any kind, either express or implied
  2. StartRunGrow and its suppliers expressly disclaim all warranties of any kind including but not limited to implied warranties of merchantability and fitness for a particular purpose,
  3. StartRunGrow does not warrant that the functions contained in any content or any communications facility or your access to any StartRunGrow site will be uninterrupted or error-free, that any defects will be corrected or that any StartRunGrow site or the server which stores and transmits content to you are free of viruses or any other harmful components,
  4. StartRunGrow does not warrant or make any representation regarding your access to, or the results of your access to, any StartRunGrow site (including any related or linked websites) or any content in terms of correctness, accuracy, timeliness, completeness, reliability or otherwise, so YOU MUST seek professional advice for your own particular situation before relying on or modelling from any content posted on any StartRunGrow web site. StartRunGrow strongly recommends (without exception) that you obtain your own professional advice on all matters in every situation.
  5. You (and not StartRunGrow) will assume the full cost of any necessary verification, maintenance, repair and/or correction of any relevant content. Under no circumstances (including but not limited to any act or omission on the part of StartRunGrow) will StartRunGrow or its Affiliates be liable for any indirect, incidental, special and/or consequential damages or loss of profits whatsoever which may result from any use or access of, or any inability to use or access, any StartRunGrow site or for any content displayed or forwarded. You expressly acknowledge and agree that StartRunGrow does not exert control over users of StartRunGrow sites (including individuals referred to on StartRunGrow sites as guests and experts) and is not liable for their opinions whatsoever or for their behaviour including any information and/or advice and any defamatory statements or offensive conduct. To the fullest extent permitted by law, StartRunGrow’s liability for breach of any implied warranty or condition, which cannot be excluded, is limited at the option of StartRunGrow to the following:
    • In the case of services supplied or offered by StartRunGrow, (a) the supply of the services again, or (b) the payment of the cost of having services supplied again; and
    • In the case of goods supplied or offered by StartRunGrow, (c) the replacement of the goods or the supply of equivalent goods, (d) the repair of such goods, (e) the payment of the cost of replacing the goods or acquiring equivalent goods, or (f) the payment of the cost of having the goods repaired.

7. Use of Your information & Material

When you send us any feedback, suggestions, ideas or other materials in relation to or via StartRunGrow sites, you agree that we can use, reproduce, publish, modify, adapt and transmit them to others free of charge and without restriction, subject to our obligations in our Privacy Policy. You also agree that the copyright for that content, writing or material shall reside fully with StartRunGrow.

8. Trademarks

All trademarks displayed or referenced on StartRunGrow sites are trademarks of their respective owners and nothing contained within StartRunGrow sites should be construed as granting any licence or right of use of any trademark

9. Goods & Services Tax, VAT, Sales Tax

If any of the above taxes is imposed on any supply made by us through StartRunGrow sites, you must pay to us, in addition to any consideration payable or to be provided by you for this supply, an additional amount for the supply calculated by multiplying the prevailing tax rate by the consideration for the relevant supply.

10. Communication Facilities

Any StartRunGrow site may contain electronic bulletin boards, chat rooms and other communication facilities which provide for feedback by users to StartRunGrow, real-time interaction between users (including individuals referred to as guests and experts) and other electronic messaging and notice services ("Communication Facilities").

It is a condition of your use of any Communication Facility and your access to any StartRunGrow site that you do not do any of the following:

  • Restrict or inhibit any other user from using or enjoying any Forum;
  • Post or transmit any unlawful, threatening, abusive, defamatory, obscene, vulgar, pornographic, profane or indecent information or material of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any applicable law;
  • Post or transmit any material of any kind which violates or infringes upon the rights of any other person, including material which is an invasion of any privacy or publicity rights or which is protected by copyright, trademark or any other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or relevant right holder;
  • Post or transmit any material of any kind which contains a virus or other harmful component;
  • Post, transmit or in any way exploit any material of any kind for commercial purposes, or which contains any promotional material or advertising;
  • Delete any author attributions, legal notices or proprietary designations or labels in any file that is uploaded; or
  • Download any file posted by any other user of a Forum if you know, or reasonably ought to know, that the file cannot legally be distributed in such manner.

StartRunGrow may from time to time monitor or review the contents of its Communication Facilities. While StartRunGrow reserves its right to edit, refuse to post or to remove any information and/or materials (in whole or in part) that in StartRunGrow's sole discretion is in any way objectionable or in violation of any applicable law or the Terms of Use, StartRunGrow has no obligation whatsoever to monitor any Communication Facility or to edit, delete or refuse to post such contents, nor is StartRunGrow responsible for any contents in any Communication Facilities (including any information, comments and/or advice of any individual referred to as guest or expert whose statements on any StartRunGrow Site are solely their own). You expressly acknowledge and agree that the Communication Facilities provide a means of public and not private communications.

StartRunGrow reserves the right to cooperate fully with any law enforcement authority in any jurisdiction in respect of any lawful direction or request to disclose the identity or other information in respect of anyone posting any materials which violate any applicable or relevant law.

11. Links to Third Party Web Sites, Advertising and eCommerce Offers

StartRunGrow sites may contain hyperlinks and other pointers to Internet websites operated by third parties. These linked websites are not under the control of StartRunGrow, and StartRunGrow is not responsible for the contents of any linked web or any hyperlink contained in a linked website. StartRunGrow provides these hyperlinks to you as a convenience only, and the inclusion of any link does not imply any endorsement of the linked website by StartRunGrow or its Affiliates. You link to any such website entirely at your own risk.

StartRunGrow sites may also contain third party advertisements (including banner ads, sponsorships and full page advertisements), which contain embedded hyperlinks, or which include referral buttons to websites operated by third parties or their licensees or contractors. All third party advertising (including referral buttons and embedded hyperlinks) is paid for by the relevant third party advertisers and are not recommendations or endorsements by StartRunGrow or its Affiliates or their respective directors or employees.

You are referred to the relevant advertiser for all information regarding the advertiser and its products and/or services. In some instances, the advertisement will contain representations or offers by the third party advertiser which you can accept by linking to the advertiser's website and executing the relevant transaction. Such offers are not made by StartRunGrow, and the third party advertiser is solely responsible to you for the delivery of any goods or services you purchase on the third party website.

12. Copyright & Restrictions on Content Usage

All information, text, material, graphics, software and advertisements ("Content") on all StartRunGrow Sites are Copyright © 2004 to StartRunGrow group, its affiliates and/or licensors unless expressly indicated otherwise. The Content is protected by international copyright and trademark laws. Content on all StartRunGrow sites is published in real-time, and you must not print, modify, copy, reproduce, republish, frame, upload to a third party, post, transmit or distribute this content in any way except as expressly provided for or expressly authorised in writing by StartRunGrow.

Strictly on the condition that you keep all Content intact and in the same form as presented on a StartRunGrow site (including without limitation all copyright, trademark and other proprietary notices and all advertisements), you may, using an industry-standard Web browser, print selected Content for your own personal, non-commercial use to a maximum of 10 pages per week unless expressly authorised in writing by StartRunGrow.

You must not use any StartRunGrow site or Content in any manner or for any purpose which is commercial, for profit or monetary gain, unlawful or in any manner which violates any right of StartRunGrow or which is prohibited by the Terms of Use.

13. Content and Forms & Documents

Content provided by any StartRunGrow site is for educational purposes only, intended to inform and assist users to come to a better understanding of matters of business, finance, investment and commerce in general. All Forms, Documents and Business Letters displayed are for the purpose of education and should be used only as a framework or model from which users can design and develop their own actual forms and documents for their own particular situation under advice from their own professional adviser.

14. Resellers and Licensed Users of Content

All resellers and licensed users and their members and customersagree to be bound by the Terms of Use and Privacy Policy herein.

15. Traffic Flow

Response times and the ability to effect an on-line transaction vary with user demand. You agree not to hold StartRunGrow (or, where applicable, any third party service provider) responsible for any inability to make an on-line transaction, or to access any site at any time.

16. Changes

We may vary any of these Terms of Use at any time. We will give notice of any variations to users of StartRunGrow sites by posting the revised Terms of Use on the home page of the relevant StartRunGrow site. Your continued use after such notice will constitute acceptance of the variation.

17. Termination

If, in StartRunGrow's reasonable opinion, you breach any of these Terms of Use, we may suspend, terminate or limit your access to all StartRunGrow sites effective immediately, but all restrictions imposed on you, and all disclaimers and limitations of liability as laid out in the Terms of Use will survive.

18. Passwords & Access Details

On registration as a user with any StartRunGrow site for a particular product or service you may be provided with a confidential user name and password. It is your responsibility to keep these confidential and to notify StartRunGrow as soon as you are aware that unauthorised persons have accessed any of these. Any password and access details provided are for the members use only. If the member gives any of these access tools to other persons they are responsible for any charges or other liability that may arise from those persons having unauthorised access.

19. General Matters

This agreement is governed by the laws in force in all the States of Australia and New Zealand, and the parties irrevocably submit to the non-exclusive jurisdiction of the courts of Australia and New Zealand and courts of appeal from them for determining any dispute concerning this agreement. If any of these Terms of Use are invalid or unenforceable, it will be struck out and the remaining terms will remain in force. If we do not act in relation to a breach by you of these Terms of Use, this does not waive our right to act with respect to subsequent or similar breaches.

20. Contact

Our contact details:

  • StartRunGrow Business Group
  • Admin/Customer Support/Content/Global Contacts
  • Email:
  • P.O Box 303 408, North Harbour, Auckland, New Zealand.
  • Foley Quarry Road, Auckland, New Zealand.
  • Ph:+64-9-448 1066 (Admin)

21. Editing Still in Progress

Take note that editing for some countries is not yet 100% complete. This means that a small amount of content for some countries is still currently being updated. No responsibility is accepted for use of any content not yet updated.

22. Acknowledgements - Copyright Use

We acknowledge the use of some of the public material and information contained in some NZ Government Web Sites for some regulatory sections of the StartRunGrow web sites. These are for purposes of accuracy of material displayed.

23. Membership Acceptance & Cancellation

Membership to this site is at the invitation and approval of StartRunGrow. Any applicant for membership may be refused membership at the sole discretion of StartRunGrow without explanation or reasons given.

Any member found to have breached any of the Terms of Use or deemed by StartRunGrow to have acted in a manner inconsistent with the objectives and standards of StartRunGrow will, after 7 days notice to remedy such breach, have their membership terminated if such a breach is not remedied to the satisfaction of StartRunGrow.

  • STANDARD Membership - FREE Standard membership is FREE. This membership provides access to most areas of content, tools and solutions from StartRunGrow.
  • BUSINESS CLUB Membership - USD$ 119.50 - Business Club membership is the totally optional additional membership that provides unlimited and full access to extra premium material that StartRunGrow has available. Business Club members pay a single annual access fee which gives them access for 1 to 365 days (12 months) to additional exclusive premium content, documents, agreements and tools totally Free or at substantial discounts. Business Club access fee is USD$ 119.50 and may change from time to time.

24. Refunds

In general no refunds are permitted to Business Club members once they register and have unlimited access plus use the members discount facility. Nevertheless there may arise circumstances when part refunds may be considered to any member. Each situation will be considered on a case by case basis. Any refunds granted will be at the discretion of the StartRunGrow management.

25. Free Use of articles

All articles noted as free may be freely distributed for non commercial use by email, mail or print without cost. It may be displayed or given away free on your web site as long as it is linked back to www.startrungrow.com and not sold for payment or fee. You are not permitted to display more than 3 articles at a time on your website. This permission is granted also on condition that the article is not modified, altered, added to or changed in any way but displayed in its entirety with the copyright owner's website address www.startrungrow.com and copyright fully displayed.


StartRunGrow Group