Website Disclaimer

Effective Date: 1 March 2026
 

Welcome to Small Business Hub powered by Pac Consulting Limited. By using this website, you agree to the terms set out below. If you do not agree with these terms, please do not use this website.
 

1. General Information Only

The information, content, tools, resources, links, and material provided on this website are for general information purposes only. They are intended to provide helpful business-related information and are not intended to constitute financial, legal, tax, accounting, lending, insurance, investment, or other professional advice.

Nothing on this website should be relied on as a substitute for advice tailored to your individual circumstances.
 

2. No Advice or Recommendation

Small Business Hub does not provide personalised advice through this website. Any information provided is general in nature and may not be suitable for your specific situation, objectives, financial position, business structure, or needs.

Where advice or specialist support is required, you should seek assistance from an appropriately qualified and licensed professional. Where suitable, we may refer you to a third-party provider or qualified expert.
 

3. No Liability

To the maximum extent permitted by law, Small Business Hub and its owners, operators, affiliates, contractors, and representatives accept no responsibility or liability for any loss, damage, cost, claim, or expense suffered or incurred by any person as a result of:

• reliance on information contained on this website

• use of this website or any linked third-party website

• errors, omissions, or inaccuracies in content

• business, financial, legal, tax, or commercial decisions made based on the information provided

All use of this website and its content is at your own risk.
 

4. Third-Party Links and Referrals

This website may contain links to third-party websites, services, products, or providers. These links are provided for convenience only. Small Business Hub does not control, endorse, or guarantee the accuracy, suitability, or availability of any third-party content, service, or provider.

Any dealings you have with third parties are solely between you and that third party. We accept no responsibility for any loss, damage, or issue arising from third-party services, products, websites, or advice.
 

5. Affiliate Links and Referral Arrangements

Some links or referrals on this website may result in Small Business Hub receiving a referral fee, commission, or other benefit if you choose to engage with a third-party provider. This may occur at no additional cost to you unless stated otherwise.

Any such arrangement does not constitute a recommendation or guarantee that a product, service, or provider is right for you. You should make your own enquiries and obtain independent advice where appropriate.
 

6. Accuracy of Information

We make reasonable efforts to ensure the information on this website is current and accurate at the time of publication. However, we do not warrant or guarantee that any information is complete, accurate, current, reliable, or suitable for your circumstances.

Information may change without notice.
 

7. Professional Advice

Before making any business, financial, legal, tax, insurance, or commercial decision, you should obtain advice from a suitably qualified professional who understands your specific circumstances.

If you require personalised assistance, Small Business Hub may help connect you with an appropriate expert or service provider.
 

8. No Warranties

To the fullest extent permitted by law, this website and its content are provided on an “as is” and “as available” basis. We make no representations or warranties, express or implied, regarding:

• the availability of the website

• the accuracy or completeness of the content

• fitness for a particular purpose

• uninterrupted or error-free operation

• freedom from viruses or other harmful components
   

9. Limitation of Availability

We may update, change, suspend, or remove any part of this website, including content, services, links, or features, at any time without notice.
 

10. Intellectual Property

Unless otherwise stated, the content on this website, including text, branding, graphics, layout, and materials, is owned by or licensed to Small Business Hub and may not be copied, reproduced, or distributed without prior written permission.
 

11. Governing Law

This website and its use are governed by the laws of New Zealand. Any disputes arising from use of this website will be subject to the jurisdiction of the New Zealand courts.
 

12. Contact

If you have any questions about this disclaimer or the information on this website, please contact:

Small Business Hub
Website: www.smallbusinesshub.co.nz