Effective Date: [23 April 2025]

Welcome to nzbrokershub.co.nz, (“we”, “us” or “our”). By using this website (“Site”), you
agree to these Terms and Conditions of Use (“Ts & Cs”). If you do not agree, please do not
use our Site.

1. Introduction

1.1 These Ts&Cs govern your access to and use of www.nzbrokershub.co.nz, including all tools, resources, and services offered through it.
1.2 These Ts & Cs aim to be clear and user-friendly. Please read them carefully.
1.3 Your continued use of the Site means you accept these Ts&Cs and our Privacy Policy(which forms part of this agreement).
1.4 We may update these Ts&Cs from time to time. The most recent version will always apply.

2. About Our Site

2.1 This Site provides general information and tools about mortgages and mortgage-related services. This includes calculators, articles, guides, rates, and access to third-party advisers.
2.2 We operate as a lead generation platform, connecting users with mortgage advisers. We do not provide mortgage advice ourselves and are not a lender.
2.3 The Site is intended for personal, non-commercial use only.

3. No Financial or Legal Advice

3.1 The information provided on our Site is for informational purposes only. It does not constitute financial, legal, or professional advice.
3.2 Any results from calculators or adviser matching tools are indicative only and do not guarantee loan approval or outcomes.
3.3 Final loan decisions are made by third-party lenders based on a full assessment of your circumstances, including income, credit history, expenses, and more.

4. Privacy and Data Use

4.1 We collect and process personal information in accordance with the Privacy Act 2020(NZ).
4.2 When you submit a form or enquiry, you consent to us sharing your data with selected, licensed NZ mortgage advisers, who may contact you directly.

4.3 Please read our Privacy Policy to understand how we collect, use, store, and protect your personal information.

5. Using the Site

5.1 You agree to use the Site lawfully and responsibly. Specifically, you confirm that:

• You are at least 18 years old
• You are legally able to enter into binding agreements
• All information you provide is accurate and truthful
• You will not use the Site for unlawful, misleading, or fraudulent purposes

6. Intellectual Property

6.1 All content on the Site (text, design, logos, tools, etc.) is the property of nzbrokershub.co.nz Limited or our licensors.
6.2 You may not reproduce, republish, distribute, or use our content for commercial purposes without our written consent.
6.3 All trademarks, including third-party adviser logos, are the property of their respective owners.

7. Limitation of Liability

7.1 We aim to keep our Site up and running smoothly, but we do not guarantee it will always be available, secure, or error-free.
7.2 To the fullest extent permitted by NZ law, we exclude all liability for any direct or indirect losses or damages arising from your use of the Site.
7.3 It is your responsibility to ensure any content you download is free from viruses or harmful code.

8. External Links and Third Parties

8.1 We may include links to third-party websites or allow third-party content (like adviser listings). We are not responsible for their content, actions, or services.
8.2 Any engagement between you and a mortgage adviser is independent of us. We do not guarantee the suitability, licensing, or performance of any adviser.

9. Breach of Terms

9.1 If you breach these Ts & Cs or misuse the Site, we may suspend or permanently block your access.
9.2 You agree to indemnify us against any claims or damages arising from your misuse of the Site or breach of these terms.

10. General Legal Terms

10.1 If any part of these Ts & Cs is held invalid or unenforceable, the remainder will still apply.
10.2 These Ts & Cs are governed by the laws of New Zealand, and any disputes will be subject to the exclusive jurisdiction of New Zealand courts.
10.3 These terms form the entire agreement between you and us regarding the Site.