Terms & Conditions

1. Acceptance of Terms

By accessing and using the Boat Financing NZ website ("Website") and services, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our Website or services.

2. About Our Service

Boat Financing NZ operates as a marine finance comparison service. We:

• Compare boat loan products from various lenders
• Provide information about marine financing options
• Facilitate connections between borrowers and lenders
• Offer educational resources about boat financing

Important: We are not a lender. We do not make credit decisions or guarantee loan approval. All loan applications are subject to lender approval and individual lender terms and conditions.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a New Zealand resident or citizen
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete information
• Not be prohibited from receiving credit under any applicable law

4. Use of Website

4.1 Permitted Use

You may use our Website for lawful purposes only. You agree to:

• Provide accurate, current, and complete information
• Use the service for personal, non-commercial purposes
• Comply with all applicable laws and regulations
• Respect the intellectual property rights of others

4.2 Prohibited Use

You agree not to:

• Use the Website for any illegal or unauthorized purpose
• Transmit viruses, malware, or other harmful code
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Website's operation
• Use automated systems to access or scrape the Website
• Impersonate any person or entity
• Provide false or misleading information

5. Application Process

When you submit a loan application through our service:

• We may share your information with multiple lenders
• Lenders may perform credit checks as part of their assessment
• You may be contacted directly by lenders
• Each lender has their own terms, conditions, and approval criteria
• We do not guarantee approval or specific terms

6. Fees and Charges

Our comparison service is free to consumers. We may receive commissions from lenders when you successfully obtain a loan through our platform. These commissions do not affect the interest rate or terms offered to you.

Any fees or charges associated with loan products are determined by the lenders and will be disclosed by them directly to you.

7. Information Accuracy

While we strive to provide accurate and up-to-date information about loan products, interest rates, fees, and terms:

• Information is indicative and subject to change
• Lenders may have different criteria and terms
• You should verify all details directly with lenders
• We are not responsible for lender information accuracy

8. Privacy

Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

9. Disclaimers

9.1 No Financial Advice

The information provided on our Website is general in nature and does not constitute financial advice. You should consider your personal circumstances and seek professional advice before making financial decisions.

9.2 Third-Party Content

Our Website may contain links to third-party websites or content. We do not endorse or take responsibility for the accuracy, legality, or content of third-party websites.

9.3 Service Availability

We strive to maintain continuous Website availability but cannot guarantee uninterrupted service. We may suspend or modify the service for maintenance, updates, or other operational reasons.

10. Limitation of Liability

To the maximum extent permitted by law, Boat Financing NZ and its directors, employees, and agents shall not be liable for:

• Any direct, indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Actions or decisions of third-party lenders
• Technical issues, errors, or Website downtime
• Accuracy of third-party information

Our total liability to you shall not exceed the amount of fees (if any) paid by you for our services.

11. Intellectual Property

The Website and its content, including text, graphics, logos, images, and software, are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

12. Indemnification

You agree to indemnify and hold harmless Boat Financing NZ from any claims, damages, losses, or expenses arising from:

• Your use of the Website or services
• Violation of these Terms
• Infringement of third-party rights
• False or misleading information you provide

13. Termination

We may terminate or suspend your access to our Website and services at any time, with or without notice, for any reason, including breach of these Terms.

Upon termination, you must cease all use of the Website and services. Provisions that by their nature should survive termination shall remain in effect.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Website after changes constitutes acceptance of the modified Terms.

We encourage you to review these Terms periodically for any updates.

15. Governing Law

These Terms are governed by and construed in accordance with New Zealand law. Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of New Zealand courts.

16. Consumer Rights

Nothing in these Terms excludes, restricts, or modifies any consumer rights under New Zealand consumer protection laws, including the Consumer Guarantees Act 1993 and Fair Trading Act 1986, where such exclusion would be illegal.

17. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Boat Financing NZ regarding your use of our Website and services.

19. Contact Information

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

20. Dispute Resolution

If you have a complaint or dispute:

1. Contact us first to try to resolve the matter
2. If unresolved, you may contact relevant industry bodies
3. As a last resort, you may pursue legal action through New Zealand courts

We are committed to resolving disputes fairly and efficiently.