WEBSITE TERMS & DISCLAIMER:
This website is owned and maintained by The Home Loan Collective Limited.
By accessing and using this website, you agree to these Website Terms & Disclaimer.
We may update these terms from time to time, with any changes taking effect once published on this website.
GENERAL INFORMATION
The information provided on this website is general in nature and is not intended to be personalised financial advice.
Information on this website does not take into account your individual circumstances, financial situation, goals or objectives. You should obtain appropriate financial advice before making financial decisions based on your individual circumstances.
For information about our financial advice services, including our licensing arrangements, scope of advice, fees and commissions, conflicts of interest and complaints process, please refer to our Important Information / Disclosure Information page.
ACCURACY OF INFORMATION
We make reasonable efforts to ensure information on this website is accurate and up to date. However, information may change and we do not guarantee that all information will always be complete, accurate or current.
You should not rely solely on information contained on this website when making financial decisions.
LIMITATION OF LIABILITY
To the fullest extent permitted by law, The Home Loan Collective Limited is not responsible for any loss or damage arising from reliance on information contained on this website or from the use or inability to use this website.
Nothing in these terms excludes or limits any rights or remedies you may have under New Zealand law that cannot lawfully be excluded.
CALCULATORS AND TOOLS
Any calculators, estimates or other tools available on this website are provided as a guide only.
Results are indicative and do not constitute personalised financial advice, an offer of finance or an approval of lending.
Actual lending outcomes, interest rates, repayments, fees and other terms will depend on your individual circumstances and the relevant lender's criteria.
EXTERNAL LINKS
This website may contain links to third party websites.
The Home Loan Collective Limited is not responsible for the content, accuracy, availability, security or privacy practices of third party websites. A link to another website does not necessarily mean that we endorse that website, its products or its services.
WEBSITE AVAILABILITY
We aim to keep our website available and secure but cannot guarantee uninterrupted access or that the website will always be free from errors, viruses or other harmful components.
You are responsible for maintaining appropriate security and virus protection on your own devices.
INTELLECTUAL PROPERTY
Unless otherwise stated, the content of this website, including text, branding, graphics and other materials, is owned by or licensed to The Home Loan Collective Limited and is protected by applicable intellectual property laws.
Content may be viewed or downloaded for personal, non commercial use. It must not otherwise be copied, reproduced or used without permission.
PRIVACY AND COOKIES
Our collection, use and protection of personal information, including information collected through cookies and website technologies, is covered by our Privacy Policy.
Please refer to our Privacy Policy for further information.
NEW ZEALAND LAW
These terms and your use of this website are governed by New Zealand law.
Any disputes relating to the use of this website will be subject to the jurisdiction of the New Zealand courts.