Terms of Service

1. Agreement to Terms

By accessing and using NZ Home Loans ("we," "us," or "our"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these Terms of Service, please do not use our website or services.

2. Use of Our Service

NZ Home Loans provides a mortgage comparison and referral service. We connect users with mortgage lenders, brokers, and financial service providers ("Partners") in New Zealand.

You agree to:

• Provide accurate, current, and complete information when submitting your details
• Maintain the security of your account and information
• Notify us immediately of any unauthorized use of your information
• Use our service for lawful purposes only
• Not impersonate others or provide false information

3. Referral Service

When you submit your information through our platform, we may share it with our Partner lenders and mortgage brokers. By using our service, you consent to:

• Receiving your personalized mortgage comparison results
• Being contacted by Partner lenders and brokers regarding mortgage options
• Receiving follow-up communications about mortgage products and services

You may opt out of communications at any time by contacting us or using the unsubscribe function in any email.

4. No Financial Advice

Important: NZ Home Loans is a comparison and referral service only. We do not provide financial advice, mortgage advice, or recommendations.

All information on our website is general in nature and should not be considered personalized financial advice. You should:

• Seek independent financial and legal advice before making mortgage decisions
• Verify all information provided by lenders and brokers
• Read all loan documents carefully before signing
• Understand all terms, conditions, fees, and risks associated with any mortgage product

5. Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no warranties or representations about:

• The accuracy, completeness, or timeliness of interest rates displayed
• The availability of specific mortgage products or offers
• The suitability of any lender or product for your circumstances

Interest rates, fees, and product features can change without notice. Always verify current rates and terms directly with lenders.

6. Referral Fees

We may receive commissions, referral fees, or other compensation from Partners when you:

• Submit your details through our platform
• Are referred to a Partner lender or broker
• Successfully obtain a mortgage through a Partner

Our service remains free to you. These fees are paid by our Partners and do not affect the rates or terms you receive. We may prioritize Partners based on commercial arrangements, but we aim to provide a comprehensive comparison.

7. Limitation of Liability

To the fullest extent permitted by New Zealand law:

• We are not liable for any direct, indirect, incidental, or consequential damages arising from your use of our service
• We are not responsible for the actions, advice, products, or services of Partner lenders and brokers
• We are not liable for any losses resulting from mortgage decisions you make
• We do not guarantee approval, specific rates, or terms from any lender

Your use of our service is at your own risk.

8. Intellectual Property

All content on NZ Home Loans, including text, graphics, logos, and software, is our property or the property of our licensors and is protected by New Zealand and international copyright laws.

You may not:

• Copy, reproduce, or redistribute our content without permission
• Use our trademarks or branding without authorization
• Create derivative works based on our content

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of external sites. Use of third-party websites is at your own risk.

10. Privacy

Your use of our service is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

11. Termination

We reserve the right to terminate or suspend your access to our service at any time, without notice, for:

• Violation of these Terms of Service
• Providing false or misleading information
• Abusive or inappropriate behavior
• Any reason we deem necessary to protect our business or users

12. Changes to Terms

We may modify these Terms of Service at any time. Changes will be effective immediately upon posting to our website. Your continued use of our service after changes constitutes acceptance of the modified terms.

We will update the "Last updated" date at the top of this page when changes are made.

13. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of New Zealand. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the New Zealand courts.

14. Contact Us

If you have questions about these Terms of Service, please contact us: