Milford website terms & conditions:

Milford Disclaimer


While Milford endeavours to ensure the information on this website and blog is accurate, Milford makes no representations and gives no warranties that the information is free from errors or omissions. Milford reserves the right to amend or add to this website and blog at any time without notice. It is the responsibility of the user to verify all information before making final decisions or commitments.

To the full extent permitted by law, Milford accepts no responsibility and shall have no liability for any errors, omissions or other inaccuracies in the information provided on this website or for any loss or damaged suffered or incurred (directly or indirectly) by a user, or any other person, as a result of using the information on this website.

Morningstar Disclaimers


© 2023 Morningstar, Inc. All rights reserved. Neither Morningstar, its affiliates, nor the content providers guarantee the data or content contained herein to be accurate, complete or timely nor will they have any liability for its use or distribution. Any general advice or ‘regulated financial advice’ under New Zealand law has been prepared by Morningstar Australasia Pty Ltd (ABN: 95 090 665 544, AFSL: 240892) and/or Morningstar Research Ltd, subsidiaries of Morningstar, Inc, without reference to your objectives, financial situation or needs. For more information refer to our Financial Services Guide (AU) and Financial Advice Provider Disclosure Statement (NZ) at and You should consider the advice in light of these matters and if applicable, the relevant Product Disclosure Statement before making any decision to invest. Our publications, ratings and products should be viewed as an additional investment resource, not as your sole source of information. Morningstar’s full research reports are the source of any Morningstar Ratings and are available from Morningstar or your adviser. Past performance does not necessarily indicate a financial product’s future performance. To obtain advice tailored to your situation, contact a professional financial adviser. Some material is copyright and published under licence from ASX Operations Pty Ltd ACN 004 523 782.



The information, images, screens, web pages, logos and brands on this website are the property of Milford, who hold copyright in it. The information may not be copied or revised (other than as expressly provided by the website) without the written consent of Milford.



Any sites linked to this website are not under the control of Milford. Milford is not responsible for and makes no representations, warranties or conditions concerning the contents of any linked website or any link contained in a linked website. The inclusion of any link on this website is provided as a convenience only and does not imply endorsement, investigation or verification by Milford of the linked site.

Milford requires users to request permission to link to this website.


FundSource Disclaimer

Awards are announced by FundSource, the investment strategy and research company. The Awards should not be read as a recommendation by FundSource. For further advice on the relevance of this award to your personal situation consult your authorised financial adviser, or visit


Privacy Policy

Please refer to the Milford Group Privacy Policy by clicking here.


Milford Client Portal Terms & Conditions

Description of Service

The Milford Client Portal provides clients (and other persons authorised by a client) with access to their account information and for the delivery of reports and communications relating to their account. The facility to transact online including to make withdrawals, deposit additional money and transfer between Funds is available for certain accounts.

Service Availability

While Milford will use its best efforts to minimise any service outages, the Client Portal may be unavailable from time to time.

Access and Use of the Client Portal

Using the Client Portal and its related services requires a username and password. The confidentiality of your username, password and account itself are your responsibility. More than one person may be given access to view your account. No one will be able to access or use the Milford Client Portal without being registered with Milford and receiving a valid username. For example, if you would like to give your spouse access to view your account, your spouse will need to be registered with us and they will receive their own unique username and password to view your account. Another example of your account being accessed by another party may be when you have provided consent for a third party, external to Milford, such as your accountant or solicitor, to access your account(s). Any activities that occur under your unique username is your responsibility. You agree to notify Milford immediately of any unauthorised use of your account(s) or any other breach of security. The use of another person’s username and password is expressly prohibited. You must safeguard your username and password at all times. This means you must:

  • Take all reasonable steps to avoid being observed when entering your Milford Client Portal username and password;
  • Not leave your computer unattended when signed in to the Milford Client Portal;
  • Not give your password to anyone;
  • Not keep a written or electronic record of your password.
  • Notify us immediately if your password is known, or you suspect it is known, by another person by phoning us on 0800 662 346 or +64 9 921 4700 if calling outside New Zealand.

Transaction Disputes

If you dispute any transaction completed via the Milford Client Portal, you need to notify Milford immediately. Milford will acknowledge receipt of your disputed transaction notice within five business days. Milford will investigate the matter and advise you of the outcome within 30 days of receiving your dispute notice. Should the investigation not be completed within 30 days, Milford will contact you to let you know the reason for the delay and to provide an updated timeline. Other than where there is an obvious error, Milford’s records of any Client Portal transactions will be evidence of these transactions, unless you prove to the contrary.

Accuracy of Information

Whilst Milford endeavours to ensure the information in the Client Portal is accurate Milford makes no representation or warranty that the information is free from errors or omission. The information contained in any report reflects a value at a certain point in time and these the values may change due to changes in prices and exchange rates and should not be regarded as a firm quotation to buy or sell the assets.

Personal Information

Milford is committed to your privacy and has a Privacy Policy which explains how Milford collects, stores, protects and uses your personal information. These Milford Client Portal Terms and Conditions incorporate Milford’s Privacy Policy, which is available online here Privacy Policy.


Milford may communicate with you via messages on the Milford Client Portal, email or text message. You are required to tell us if there are any changes to your contact details, including your email address and mobile phone number. You will be taken to have received any notice that we send to the most recent contact details that we have on file for your account.

Please note that data charges may apply when replying to SMS.

Your Liability

You will be liable for any loss suffered by us (including consequential loss) which results from your fraud or negligence. You will be liable for any loss suffered by us which results from the unauthorised access to your information on the Milford Client Portal which you have contributed to by your failure to comply with these Terms and Conditions.


The information, images, screens, Client Portal web pages, logos and brands on this Client Portal are the property of Milford, who hold copyright in it. The information may not be copied or revised without the written consent of Milford.


We employ a high level of security monitoring and software. We also strongly recommend that you safeguard your online personal and product information by ensuring your computer or device has up-to-date Internet security software and operating system updates.

Direct Debit Terms & Conditions

A feature of the Milford Client Portal is that it facilitates you making Fund investments. One way to do this is by authorising Milford to make a direct debit – Milford does this by withdrawing funds from your specified bank account and using them to make a Fund investment. In such cases the following applies:

  1. Milford must give you at least 10 days’ prior notice before the first Direct Debit in a series is drawn, detailing the commencement date, frequency and amount.
  2. You can also agree with Milford to receive a same day notice for direct debits specifically requested by you.
  3. All notices must be in writing, but can be delivered electronically, if you have agreed that with Milford.
  4. You can also ask your bank to reverse a direct debit up to 120 days after the direct debit if:
    • You didn’t receive proper notice, before the first debit in a series or of any changes to a series, of the amount and date of the direct debit, or
    • You received notice but the amount or date of the direct debit is different from the amount or date on the notice.
  5. If your bank dishonours a direct debit but Milford retries it within 5 business days of the original scheduled direct debit, you understand that the Milford doesn’t need to notify you again about that direct debit.

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