Conditions Of Use

FGNZ HOMELOANS LIMITED WEBSITE CONDITIONS OF USE

FGNZ Homeloans Limited * (FGNZ Homeloans) operates this website, www.fgnzhomeloans.co.nz. These Conditions of Use, together with any other terms, notices or disclaimers contained elsewhere on this website, govern the information on, use of and access to this website. By accessing this website, you agree to be bound by these Conditions of Use and any modifications of them.

Information and accuracy

Information provided on this website is:

* of a general nature and does not take into account individual circumstances, financial needs or objectives;

* not intended to be investment advice nor a recommendation or statement of opinion about any particular financial product or class of financial products. As a result, it should not be relied upon in acquiring any product or service offered by FGNZ Homeloans or any other party; and

* is provided in good faith and derived from sources believed to be accurate and current at the date of publication. FGNZ Homeloans does not guarantee the accuracy, adequacy or completeness of information on this website or that this information is otherwise free from error, omission or other defect. FGNZ Homeloans reserves the right to change any information provided on this website without notice.

FGNZ Homeloans does not guarantee that your use of this website will be uninterrupted, timely or secure.

FGNZ Homeloans Product Information

Some products and services referred to on this website are issued or provided by persons other than FGNZ Homeloans, are provided through third-party distributors. The product issuer or distributor is usually identified in the relevant product disclosure statement or other disclosure document.

The products marketed by FGNZ Homeloans have its own unique features and risks, which include fluctuating interest rates on variable rate loan products. You should always consider whether or not a particular FGNZ Homeloans product or service is appropriate for you, in particular you should:

* understand the features and risks;

* seek independent advice (eg accountant, lawyer); and

* read the relevant product disclosure statement, or other offer document relevant to the FGNZ Homeloans product.

Any reference to past interest rates, performance or costs of a product or service is intended for general illustrative purposes only and is not any indicator of future interest rates, performance or costs for that product.
Unless otherwise specified, all references to currency are to New Zealand dollars.

Offers of products

This website is for information purposes only and information on it does not constitute an offer of any FGNZ Homeloans loan product or other product or service and is not part of the pre-contractual disclosures required by the Credit Contracts and Consumer Finance Act 2003 (CCCFA) or any other law.

Offers for these products and services and details about these products and services are contained in the relevant disclosure documents which you can obtain from FGNZ's accredited introducers. If a loan that is regulated by the CCCFA is intended to be made, the prospective borrower will be provided a formal loan offer with all of the requisite pre-contractual disclosures, which comply with the CCCFA. All loans are subject to prior approval and compliance with relevant terms and conditions. Fees and charges may apply for this documentation.

Applications for FGNZ Homeloans products must be made only using the appropriate application form applicable to the current product disclosure statement or other disclosure document relevant to the product by borrowers who satisfy the relevant terms and conditions for applying for the product.Your conduct

You must not:

* use the website for any purpose that is unlawful or prohibited by these On-line Conditions of Use or any other term, notice or disclaimer appearing on this website;

* use this website in any way that interferes with other users; and

* attempt to or actually breach or circumvent any security measures on this website (including 'hacking') or attempt to obtain access to secure or member only parts of this website without authorization.

FGNZ retains the right to monitor your use of this website and prevent further access at any time at its discretion.

Copyright and trade marks

The material on this website is protected by copyright. You may only use this material for your own personal reference. You must not otherwise use, reproduce, publish, modify, distribute, link, frame, transmit is any form or by any means, electronic or mechanical, for any purpose, any of the material on this website, except with the prior written permission of FGNZ Homeloans.

Trade marks used on this website are the property of FGNZ Homeloans. You must not use a trade mark used on this website without the prior written consent of the owner of that trade mark.

Links to third party websites

This website may contain hyperlinks and other pointers to websites operated by third parties. These linked websites are not under FGNZ Homeloans's control. FGNZ Homeloans does not guarantee and is not responsible for the contents of any linked website or any hyperlink contained in the linked website. FGNZ Homeloans provides these hyperlinks as a convenience only, and the inclusion of any link does not imply any endorsement of the linked website by FGNZ Homeloans. You access any such third party website entirely at your own risk.

Limitation of liability

Your use of this website and reliance on any information contained on the website, is entirely at your own risk. To the extent permitted by law, FGNZ Homeloans excludes all liability for any loss or damage (including indirect or consequential loss or damage) you or any other person suffers in connection with your use of this website, including your reliance on any information contained on this website. FGNZ's liability for breach of any warranty or condition implied by law that cannot be excluded is limited, at FGNZ Homeloans's option, to (as the case may be):

* re-supply or replacement of those goods or services;

* providing the cost of having those goods or services re-supplied, replaced or repaired; or

* in the case of goods, repair the goods.

Privacy

Your personal information will be collected and used by FGNZ Homeloans in accordance with their Privacy Policy. Please click here to access the FGNZ Privacy Policy.

Governing Law

These ON-line Conditions of Use and other terms, notices and disclaimers appearing on this website are governed by the law in force in New Zealand

* FGNZ Homeloans Limited includes the following entities:

The Financial Group of New Zealand Limited