These terms and conditions (“Terms”) apply to all users of the Smart Loans website and customers of our financial services. By accessing our website or using our services, you agree to be bound by these Terms.
1. Acceptance of Terms
By accessing this website or using our services, you agree to comply with these Terms. If you do not agree with any part of these Terms, you must not use the website or our services.
2. Use of the Website
The content on this website is for informational purposes only and does not constitute financial advice.
You may not use this website for any unlawful purpose or in violation of any applicable law.
Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offense.
3. Eligibility for Services
You must be at least 18 years old and a resident of New Zealand to apply for our financial products.
All loan applications are subject to credit assessment and approval.
4. Interest Rates, Fees, and Charges
Our services may involve fees, charges, and interest rates, which will be clearly disclosed at the time of entering into any agreement.
We reserve the right to change interest rates, fees, and charges at any time. Any changes will be communicated as required by law.
5. Loan Agreement
Specific terms of your loan, including repayment schedules, interest rates, fees, and conditions, will be detailed in the loan agreement provided to you. By accepting the loan, you agree to abide by the terms of the loan agreement.
Early repayment of the loan may incur fees as specified in your loan agreement.
6. Responsible Lending
We follow responsible lending guidelines to ensure that our loans are suitable and affordable for customers.
It is your responsibility to ensure that the loan is appropriate for your financial circumstances.
7. Privacy Policy
Our Privacy Policy outlines how we collect, use, and protect your personal information. By using our website or services, you agree to the collection and use of information in accordance with our Privacy Policy.
8. Changes to Terms
We may update these Terms from time to time. Any changes will be posted on our website, and continued use of the website or our services constitutes acceptance of the revised Terms.
9. Limitation of Liability
Best Deal Finance will not be liable for any loss or damage arising from the use of this website or our financial services, except as required by law.
We do not guarantee that our website will be secure, free of bugs, or virus-free.
10. Dispute Resolution
If you have a complaint or dispute regarding our services, please refer to our Complaints Policy for guidance on how to resolve the issue.
We are committed to resolving disputes in a fair and timely manner, and if necessary, we will refer you to an independent dispute resolution service.
11. Governing Law
These Terms are governed by the laws of New Zealand. Any disputes will be subject to the jurisdiction of New Zealand courts.