Terms of Service

1. About Our Service

Personal Loan Comparison NZ ("we," "us," or "our") is a comparison service that helps New Zealand consumers find personal loans by comparing products from various financial institutions. We are not a lender and do not provide credit.

We act as an intermediary between consumers and lenders, and may receive commissions from lenders when consumers successfully apply for and receive loans through our service.

2. Financial Markets Conduct Act Compliance

In accordance with the Financial Markets Conduct Act 2013 and related regulations, we disclose that:

• We are not licensed to provide regulated financial advice
• We do not recommend specific financial products
• Our service is limited to providing factual information and facilitating comparisons
• We may receive commissions from lenders, which may influence product placement
• You should consider seeking independent financial advice for your specific circumstances

3. Use of Our Service

By using our website and services, you agree to:

• Provide accurate and complete information
• Use the service only for lawful purposes
• Not attempt to circumvent security measures
• Not use automated systems to access our service

4. Information Accuracy

While we strive to provide accurate and up-to-date information, we cannot guarantee the accuracy of all product information, rates, or terms displayed on our website. Loan products, rates, and terms are subject to change without notice and are determined by individual lenders.

All loan applications are subject to lender approval and individual circumstances. The rates and terms shown are indicative only and may not reflect the actual rates and terms you may be offered.

5. Commission Disclosure

We may receive commissions, fees, or other remuneration from lenders when you successfully apply for and receive a loan through our service. These commissions do not affect the rates or terms offered to you, but may influence the order in which products are displayed.

Our comparison methodology considers factors including interest rates, fees, loan terms, and features, in addition to commercial arrangements.

6. Limitation of Liability

To the maximum extent permitted by law, we exclude all liability for any loss or damage arising from your use of our service, including but not limited to:

• Decisions made based on information provided on our website
• Actions taken by lenders in relation to loan applications
• Technical issues or interruptions to our service
• Inaccuracy or incompleteness of information

7. Privacy and Data Protection

Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which complies with the Privacy Act 2020. By using our service, you consent to our privacy practices as described in our Privacy Policy.

8. Changes to Terms

We may update these terms from time to time. Changes will be posted on this page with an updated effective date. Continued use of our service after changes constitute acceptance of the new terms.

9. Governing Law

These terms are governed by New Zealand law. Any disputes will be subject to the jurisdiction of the New Zealand courts.

10. Contact Information

If you have any questions about these terms, please contact us at:

Email: legal@personalloancomparison.co.nz
Website: www.personalloancomparison.co.nz
New Zealand