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Mr Finance Limited
Terms and Conditions
1. Terms of Contract
1.1. By using our Website and/or engaging us to provide you with Services, you confirm you have read, understood and agree to be bound by all of these Terms, our Privacy Policy and our Disclosure Statement.
1.2. If you do not agree to these Terms, you are not authorised to access our Website, and you must immediately stop doing so.
1.3. We may restrict, limit, change or discontinue access to our Website at any time without notice and liability.
1.4. In the event of any conflict between these Terms and the terms and conditions of any Product or service, the terms of that Product or service shall prevail, unless indicated otherwise.
2. Scope of Services
2.1. We provide financial Services in relation to Products for:
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- Personal loans, vehicle loans and debt consolidation; and
- Guaranteed asset protection insurance, payment protection insurance, motor vehicle insurance, mechanical breakdown insurance.
2.2. Other than the Services specified above, we do not provide Services for any other matter. If we present any options for other products, our involvement is limited to providing you with relevant information. We do not provide financial advice in any circumstances.
3. Applications
3.1. Any applications for Products made by you are subject to these Terms, our Privacy Policy and our Disclosure Statement.
3.2. As part of the application process, we may:
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- Provide you with factual information about the Products available to you;
- Make enquiries with you about your particular financial circumstances and objectives;
- Collect your personal information;
- Supply your application to a panel of Providers for their consideration and acceptance.
3.3. The decision whether to accept any application is at the sole discretion of each Provider.
3.4. If a Provider accepts your application, we will:
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- Explain the key aspects of the Products to you and all parties to the application;
- Provide you with a copy of the loan and/or insurance agreement(s) and all related documents;
- Supply the Provider with the signed loan and/or insurance agreement(s) and all related documents.
4. Your Responsibilities
4.1. You must:
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- Always provide true, and complete information in your dealings with us. This includes when you complete any of our forms, applications or other documents. If any of your information changes, you must promptly update us so that the information remains true, current and complete;
- Not act in a way, use or introduce anything that compromises or may comprise our Website;
- Not use our Website in a matter that breaches any third party rights (including intellectual property and privacy rights) or that could be considered as objectional, incorrect or misleading.
4.2. You agree to indemnify us, on demand, against any costs, claims, demands, actions and liabilities incurred by us arising out of any failure to comply with your obligations under these Terms.
5. Our Responsibilities
5.1. At all times we will provide the Services in accordance with these Terms, our Privacy Policy and our Disclosure Statement.
6. Disclaimer
6.1. None of the information contained on our Website is financial advice.
6.2. We do not provide or intend to provide legal, accounting, and/or tax information or advice. We recommend you obtain legal, accounting, tax, and/or other professional advice before making any decisions or entering into any contract.
6.3. Our Website may contain links to other websites owned and operated by third parties. We are not responsible for any content on third party websites. We shall not be liable for any loss or damages arising from their content.
6.4. We make no representation, warranty or guarantee as to whether your application will be accepted.
6.5. None of the Services we provide are on behalf of any Provider.
7. Liability
7.1. Our liability under these Terms excludes and replaces all other warranties, conditions or obligations imposed or implied by common or statute law.
7.2. Our liability in respect of all claims which you may have against us is excluded and disclaimed to the maximum extent permissible by law.
7.3. We are not liable for any indirect or consequential loss or damage which you suffer.
7.4. Nothing in these terms acts to limit the application of the Consumer Guarantees Act 1993 (“CGA”) to any consumer. However, if you are in trade you agree to contract out of the provisions of the CGA.
8. Suspension
8.1. If we reasonably consider you have breached these Terms, we may immediately without notice suspend or terminate your access to our Website, without prejudice to any other rights or remedies available to us.
8.2. Upon suspension or termination, you must immediately cease using our Website and must not attempt to access our Website after that date.
9. Intellectual Property
9.1. Unless stated otherwise, we own, are approved to use, or have a licence to use all intellectual property on our Website. Our Website may contain trademarks, logos and symbols.
9.2. Nothing on our Website may be construed as granting any approval or licence to use any trademark, logo or symbol without the permission of the owner. Where we identify any material as being subject to copyright of a third party, you must obtain approval or authorisation from that third party before you use or reproduce that material.
9.3. You may only access the materials on our Website for non-commercial use, and may not reproduce the materials without our prior consent.
10. General
10.1. We may amend these Terms from time to time by notice to you in writing.
10.2. Variations to these Terms are only effective if they are agreed in writing and signed by us.
10.3. No delay or failure by us to exercise our rights under these Terms operates as a waiver of those rights. A partial exercise of those rights does not prevent their further exercise in the future.
10.4. If a court decides that part of these Terms is unenforceable, the part concerned shall be deleted from the rest of these Terms, which will then continue in force.
10.5. These Terms will be interpreted in accordance with and governed by the laws of New Zealand, and the New Zealand courts will have non-exclusive jurisdiction in respect of all matters between us
11. Defined Terms and Interpretation
11.1. In these Terms, the following words have the following special meanings:
“Disclosure Statement” means our statement of key information relating to our duties, fees and the complaints process found at https://mrfinance.co.nz/disclosure-statement
“Product” means any financial or insurance product provided by a Provider;
“Privacy Policy” means our policy for use of your personal information, found at https://mrfinance.co.nz/privacy-policy
“Provider” means the provider of financial or insurance products, as the context may require.
“Services” means providing you with information on Products and assisting you to access and apply for Products from a panel of Providers, in accordance with these Terms.
“Terms” means these terms and conditions (as amended from time to time).
“we”, “our”, “us” means Mr Finance Limited and includes any party assigned or transferred Mr Finance Limited’s rights.
“Website” means https://mrfinance.co.nz
“you” means the customer engaging us to provide Services.
11.2. For convenience, these Terms have been grouped under different headings, but the headings to not affect the meanings of these Terms.
