The Legal Stuff

Terms and Conditions

Mortgage Hub Limited maintains this website (www.mortgagehub.co.nz) and all associated microsites. This document sets out the terms and conditions that dovern the use of this website. By accessing the website, you agree to these terms. If you do not agree with these Terms you must not use the Website.

This website is suitable for New Zealand audience only. To the extent permitted by law, we hold the right to change these Terms at any time. Please check these web pages regularly.

License to use website

Unless otherwise stated, Mortgage Hub Limited and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved. You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions. You must not:

  • republish material from this website (including republication on another website);
  • sell, rent or sub-license material from the website;
  • show any material from the website in public;
  • reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
  • edit or otherwise modify any material on the website; or
  • redistribute material from this website except for content specifically and expressly made available for redistribution
Where content is specifically made available for redistribution, it may only be redistributed within your organisation.

Acceptable use

You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity. You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software. You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without Mortgage Hub Limited's express written consent. You must not use this website to transmit or send unsolicited commercial communications. You must not use this website for any purposes related to marketing without Mortgage Hub Limited's express written consent.

No articles on mortgagehub.co.nz are financial advice for the purposes of the Financial Advisers Act and should not be relied upon in making an investment decision. We recommend that you seek professional advice from a suitable authorised or registered financial adviser which takes into account your personal circumstances before making an investment decision.

All interest rates displayed on the website are the lowest advertised rates by lenders. These interest rates may have different terms and conditions and eligibility criteria, so they may not be available for everyone. Please consult registererd financial adviser to find out the exact rates suited for your financial needs. We cannot guarantee that the interest rates displayed on our website are the latest advertised rates. We always try our best to keep them up to date but there may be times when the rates are out of date. We cannot guarantee that our advisers will be able to get you the rates advertised on our site.

Restricted access

Access to certain areas of this website is restricted unless specifically provided by Mortgage Hub Limited. Mortgage Hub Limited reserves the right to restrict access to other areas of this website, or indeed this entire website, at Mortgage Hub Limited's discretion. If Mortgage Hub Limited provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential. Mortgage Hub Limited may disable your user ID and password in Mortgage Hub Limited's sole discretion without notice or explanation.

User content

In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose. You grant to Mortgage Hub Limited a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to Mortgage Hub Limited the right to sub-license these rights, and the right to bring an action for infringement of these rights. Your user content must not be illegal or unlawful, must not infringe any third party's legal rights, and must not be capable of giving rise to legal action whether against you or Mortgage Hub Limited or a third party (in each case under any applicable law). You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint. Mortgage Hub Limited reserves the right to edit or remove any material submitted to this website, or stored on Mortgage Hub Limited's servers, or hosted or published upon this website. Notwithstanding Mortgage Hub Limited's rights under these terms and conditions in relation to user content, Mortgage Hub Limited does not undertake to monitor the submission of such content to, or the publication of such content on, this website. No warranties This website is provided “as is” without any representations or warranties, express or implied. Mortgage Hub Limited makes no representations or warranties in relation to this website or the information and materials provided on this website. Without prejudice to the generality of the foregoing paragraph, Mortgage Hub Limited does not warrant that:
  • this website will be constantly available, or available at all; or
  • the information on this website is complete, true, accurate or non-misleading.
Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any financial matter you should consult an appropriate professional.

Limitations of liability

Mortgage Hub Limited will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:
  • to the extent that the website is provided free-of-charge, for any direct loss
  • for any indirect, special or consequential loss; or
  • for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.
These limitations of liability apply even if Mortgage Hub Limited has been expressly advised of the potential loss.

What is this Privacy Policy for?

This privacy policy is for this website www.mortgagehub.co.nz and served by MORTGAGE HUB LIMITED and governs the privacy of its users who choose to use it.

The policy sets out the different areas where user privacy is concerned and outlines the obligations & requirements of the users, the website and website owners. Furthermore the way this website processes, stores and protects user data and information will also be detailed within this policy.

The Website

This website and its owners take a proactive approach to user privacy and ensure the necessary steps are taken to protect the privacy of its users throughout their visiting experience. This website complies to all NZ national laws and requirements for user privacy.

This website uses tracking software to monitor its visitors to better understand how they use it. This software is provided by Google Analytics which uses cookies to track visitor usage. The software will save a cookie to your computers hard drive in order to track and monitor your engagement and usage of the website, but will not store, save or collect personal information. You can read Google's privacy policy here for further information http://www.google.com/privacy.html .

Other cookies may be stored to your computers hard drive by external vendors when this website uses referral programs, sponsored links or adverts. Such cookies are used for conversion and referral tracking and typically expire after 30 days, though some may take longer. No personal information is stored, saved or collected.

Contact & Communication

Users contacting this website and/or its owners do so at their own discretion and provide any such personal details requested at their own risk. Your personal information is kept private and stored securely until a time it is no longer required or has no use, as detailed in the Data Protection Act 1998. Every effort has been made to ensure a safe and secure form to email submission process but advise users using such form to email processes that they do so at their own risk.

This website and its owners use any information submitted to provide you with further information about the products / services they offer or to assist you in answering any questions or queries you may have submitted. This includes using your details to subscribe you to any email newsletter program the website operates but only if this was made clear to you and your express permission was granted when submitting any form to email process. Or whereby you the consumer have previously purchased from or enquired about purchasing from the company a product or service that the email newsletter relates to. This is by no means an entire list of your user rights in regard to receiving email marketing material. Your details are not passed on to any third parties.

Information Collection, Use, and Sharing

Information provided by you will only be accessible to Mortgage Hub and chosen mortgage brokers. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g. to complete a loan request or enquiry. Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy. Your Access to and Control Over Information You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:
  • See what data we have about you, if any.
  • Change/correct any data we have about you.
  • Have us delete any data we have about you.
  • Express any concern you have about our use of your data.

Security

We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for "https" at the beginning of the address of the web page. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

External Links

The owners of this website cannot guarantee or verify the contents of any externally linked website despite their best efforts. Users should therefore note they click on external links at their own risk and this website and its owners cannot be held liable for any damages or implications caused by visiting any external links mentioned.

Adverts and Sponsored Links

This website may contain sponsored links and adverts. These will typically be served through our advertising partners, to whom may have detailed privacy policies relating directly to the adverts they serve.

Clicking on any such adverts will send you to the advertisers website through a referral program which may use cookies and will track the number of referrals sent from this website. This may include the use of cookies which may in turn be saved on your computers hard drive. Users should therefore note they click on sponsored external links at their own risk and this website and its owners cannot be held liable for any damages or implications caused by visiting any external links mentioned.

Social Media Platforms

Communication, engagement and actions taken through external social media platforms that this website and its owners participate on are custom to the terms and conditions as well as the privacy policies held with each social media platform respectively.

Users are advised to use social media platforms wisely and communicate / engage upon them with due care and caution in regard to their own privacy and personal details. This website nor its owners will ever ask for personal or sensitive information through social media platforms and encourage users wishing to discuss sensitive details to contact them through primary communication channels such as by telephone or email.

This website may use social sharing buttons which help share web content directly from web pages to the social media platform in question. Users are advised before using such social sharing buttons that they do so at their own discretion and note that the social media platform may track and save your request to share a web page respectively through your social media platform account.

Resources & Further Information

v.2.0 May 2016 Edited & customised by: MORTGAGE HUB LIMITED Company number: 6000829

December 2016 promotion

Competition will be held in accordance with the Fair Trading Act

  • By entering the competition or promotion each entrant will be deemed to have accepted these terms and conditions and to have agreed to be bound by them.
  • Every unique friend that is tagged will give you 1 entry, upto a maximum of 3 entries.
  • By sharing the post, your entries are doubled.
  • If it is deemed that the entries have been submitted through a fake or duplicate account, entries from these accounts will be removed. Determining whether an account is illegitimate is at the descretion of Mortgage Hub Limited.
  • Winner will be contacted via Facebook direct messaging within 24 hours of the draw.
  • If the winner does not come into contact within 24 hours of sending the message, that winner will forfeit the prize with no right of compensation and the prize will be redrawn.
  • If the winner does not "Like" the Mortgage Hub Facebook page at the time of the draw, that winner will forfeit the prize with no right of compensation and the prize will be redrawn.
  • By entering the competition winners agree to their names being published on the Mortgage Hub Facebook page for publicity purposes.
  • By entering the competition, winners agree that their details and the details of the members they have tagged will be used for promotional purposes by Mortgage Hub Limited.
  • Pursuant to the Privacy Act 1993, entrants have the right to access and correct any personal information provided by them pursuant to paragraph 12.
  • The prize is not transferable or exchangeable
  • Only entries received by the closing date specified in the advertisement will be accepted.