Terms & Conditions.
Last updated: June 2026
About this website
This website is operated by Valar Financial Advisors Limited, operated by Lyubov (Lena) Bykova (FSP1010055), trading as Valar Financial Advisors. By accessing or using this website, you agree to these terms.
General information only
The content on this website is provided for general information purposes only. It does not constitute financial advice and should not be relied upon as a substitute for professional advice tailored to your personal circumstances.
Regulated financial advice is only provided after a scope of engagement has been agreed in writing between Valar Financial Advisors Limited and the client.
Accuracy of information
While we take reasonable care to ensure the information on this website is accurate and up to date, we make no warranties or representations about its completeness or accuracy. Information may change without notice.
Photography and illustrations
Photography and illustrations on this website are for illustration only and do not depict actual clients. Any people shown are models or generated images, and no client relationship, transaction, or outcome should be inferred from them.
Limitation of liability
To the extent permitted by law, Valar Financial Advisors Limited is not liable for any loss or damage arising from your use of, or reliance on, the content of this website.
Intellectual property
All content on this website — including text, images, logos, and design — is the property of Valar Financial Advisors Limited. You may not reproduce, distribute, or use any content without prior written permission.
Third-party links
This website may contain links to third-party websites. We are not responsible for the content or privacy practices of those sites.
Governing law
These terms are governed by the laws of New Zealand. Any disputes will be subject to the exclusive jurisdiction of the New Zealand courts.
Contact
Questions about these terms can be directed to lena.bykova@valar.co.nz