Last Updated: 19 May 2025
1. Acceptance of Terms
Welcome to the Life-n-loans website (the “Website”). By accessing and using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions (“Terms”) and our Privacy Policy. If you do not agree with any part of these Terms, you must cease using this Website immediately.
2. Nature of Information Provided – No Financial Advice
2.1. The content provided on this Website, including but not limited to articles, blog posts, tools, calculators, and general information about mortgages, loans, insurance, and financial planning (“Content”), is for general informational purposes only.
2.2. Explicit Disclaimer: The Content on this Website does not constitute financial advice, mortgage advice, insurance advice, investment advice, legal advice, or any other form of professional advice. It is not tailored to your specific financial situation, needs, or objectives.
2.3. We strongly encourage all visitors to this Website to seek personalised professional financial advice from a qualified financial adviser before making any decisions regarding financial products or services. Your personal circumstances are unique and require individual assessment.
2.4. Reliance on any information provided on this Website is solely at your own risk. Life-n-loans, its directors, employees, and agents disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
3. Use of the Website
3.1. You agree to use this Website only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else’s use and enjoyment of the Website.
3.2. Prohibited behaviour includes harassing or causing distress or inconvenience to any other user, transmitting obscene or offensive content, or disrupting the normal flow of dialogue within this Website.
3.3. You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs, or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Website, the server on which our Website is stored, or any server, computer, or database connected to our Website.
4. Intellectual Property Rights
4.1. All content, trademarks, service marks, trade names, logos, and icons are proprietary to Life-n-loans or its affiliates, licensors, or other respective owners.
4.2. You may print or download extracts from this Website for your personal, non-commercial use only, provided you keep intact all copyright and other proprietary notices.
4.3. Any other use, including the reproduction, modification, distribution, transmission, republication, display, or performance, of the content on this Website is strictly prohibited without our prior written consent.
5. Limitation of Liability
5.1. While we endeavour to ensure that the information on this Website is correct, we do not warrant its accuracy, completeness, or suitability for any particular purpose. The Content may be out of date, and we make no commitment to update such material.
5.2. To the maximum extent permitted by New Zealand law, Life-n-loans (including its officers, directors, employees, agents, and affiliates) will not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to, loss of profits, data, use, goodwill, or other intangible losses, resulting from: a. your access to or use of or inability to access or use the Website; b. any conduct or content of any third party on the Website; c. any content obtained from the Website; and d. unauthorised access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.
5.3. If, notwithstanding the other provisions of these Terms, Life-n-loans is found to be liable to you for any damage or loss which arises out of or is in any way connected with your use of the Website or any Content, our liability shall in no event exceed NZD $100.00.
6. Third-Party Websites and Links
6.1. This Website may contain links to other websites operated by third parties. These links are provided for your convenience only. We do not endorse, control, or approve the content of these third-party websites and are not responsible for their content, accuracy, or legality.
6.2. Your use of third-party websites is at your own risk and subject to the terms and conditions of use for such sites.
7. Privacy Policy
7.1. We are committed to protecting your privacy. Our Privacy Policy, which is available [Insert Link to Your Privacy Policy Here], explains how we collect, use, store, and disclose your personal information. By using this Website, you consent to the collection and use of your information as described in our Privacy Policy.
8. Availability of the Website
8.1. We strive to ensure that the Website is available 24 hours a day. However, we shall not be liable if for any reason the Website is unavailable at any time or for any period.
8.2. Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance, or repair, or for reasons beyond our control.
9. Amendments to Terms and Conditions
9.1. We reserve the right to amend these Terms at any time. Any amendments will be effective immediately upon posting the revised Terms on this Website.
9.2. Your continued use of the Website following the posting of changes will mean that you accept and agree to the changes. It is your responsibility to check these Terms periodically for changes.
10. Governing Law and Jurisdiction
10.1. These Terms and your use of the Website shall be governed by and construed in accordance with the laws of New Zealand.
10.2. You agree to submit to the exclusive jurisdiction of the courts of New Zealand to resolve any disputes arising out of or in connection with these Terms or your use of the Website.
11. Severability
11.1. If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be severed from the remainder of the Terms, which will continue to be valid and enforceable to the fullest extent permitted by law.
12. No Waiver
12.1. Any failure by Life-n-loans to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
13. Contact Us
If you have any questions or concerns about these Terms and Conditions, please contact us at:
Email: admin@life-n-loans.co.nz | Phone: +64 9 533 4000