01About these terms
This website is operated by The Mortgage Advisers, the financial advice business through which Sarah Hood and Nik Trainin provide mortgage, insurance and KiwiSaver advice (“we”, “us”, “our”). We provide it for your information and convenience.
These terms govern your use of the website. By using the website beyond your first visit, you agree to them. The website is intended for people in New Zealand.
We may change these terms at any time by publishing an updated version on this page, so please check back from time to time. If you breach these terms, we may take action against you.
02Using this website
You are responsible for how you use the website. You must not:
- Use the website in a way that breaks any law or infringes anyone’s rights
- Send anything offensive, defamatory or inappropriate, or any virus or other harmful code
- Try to get around the website’s security, or interfere with, change or damage any part of it
Some parts of the website, such as calculators or enquiry forms, may have their own terms. If they conflict with these terms, those specific terms apply.
03General information only
Everything on this website, including articles, guides, calculators and examples, is general information only. It is not personalised financial advice and does not take your objectives, financial situation or needs into account.
We take reasonable care to keep the website accurate, but we do not promise that information is accurate, current or complete, or that the website will always be available or free from errors. Interest rates, lending criteria, insurance terms and government rules change often. Please check any information with us before relying on it, and talk to us before making a financial decision.
To the extent the law allows, we exclude all other warranties and conditions about the website.
04Advice and financial products
This website does not itself provide financial products or financial advice. When you send us an enquiry, Sarah or Nik will contact you, and any advice will be provided directly by them after they have explained the nature and scope of that advice.
Before we give you personalised advice we will provide our disclosure information, including the lenders and insurers we work with, how we are paid, and any conflicts of interest. You can read our disclosure statement at any time. Any loan or insurance policy is provided by the relevant lender or insurer under its own terms.
05Third-party links and content
The website may include links to other websites and content supplied by third parties, such as lenders, insurers, review platforms and government agencies. We do not control and are not responsible for that content. Unless we say so, a link does not mean we sponsor or endorse that site or its content, and we do not guarantee its quality or accuracy.
06Limitation of liability
To the fullest extent the law allows, we are not liable for any loss or damage, of any kind, that arises from your use of the website or your reliance on its content. This applies whether the loss arises from negligence or otherwise, and even if we knew the loss was possible.
Nothing in these terms limits any rights you have under the Consumer Guarantees Act 1993, the Fair Trading Act 1986 or other law that cannot be excluded.
07Security
We take reasonable steps to protect information you send us through the website, but no internet transmission is completely secure, so you send information at your own risk. You are responsible for protecting your own device against viruses and other harmful code, and we are not responsible for any damage to your device or data from using the website.
08Intellectual property
Unless we say otherwise, we own or are licensed to use the content on this website, including text, images, design and graphics. You may view, download and print it for your own personal, non-commercial use. You must not otherwise copy, publish, distribute or adapt it without our written permission.
Lender, insurer and award names and logos belong to their respective owners and appear for identification only. Nothing on this website gives you the right to use them.
09Privacy
We collect personal information through this website, including through enquiry forms. We handle it under the Privacy Act 2020 and our Privacy Policy, which explains what we collect, why, who we share it with and how you can access or correct it.
If you give us information about someone else, you confirm they have agreed to it being shared with us under these terms and our Privacy Policy.
10General
If any part of these terms is found to be invalid or unenforceable, that part is removed and the rest continues to apply. These terms are governed by New Zealand law, and you agree to the exclusive jurisdiction of the New Zealand courts.
11Contact us
If you have a question about these terms, please get in touch.
