Terms and conditions

These terms and conditions ("Website Terms") apply to your use of Nomu Finance Limited’s ("Nomu", "we", "us", "our") website at www.nomu.co.nz ("Website"). Our Privacy Policy forms part of these Website Terms and sets out how we collect, store, use and share your personal information. Please read both carefully.

If you do not agree to these Website Terms, you are not authorised to access or use the Website and must stop doing so immediately.

We may change these Website Terms at any time by updating them on the Website. Unless stated otherwise, any change takes effect immediately. You are responsible for reviewing the most recent version of the Website Terms whenever you access the Website.

Website use

Nomu Finance Limited is a licensed financial advice provider. You can view information about our licence and services in the Important Information section of this website. The Website does not provide financial advice and nothing on it constitutes an offer of finance or any other service to you. Submitting a form or contacting us does not create any obligation on us or our advisers unless we expressly agree to provide services to you under separate written terms.

We may, at any time and without notice, change, suspend, discontinue or restrict access to the Website or any part of it.

The content and tools provided on the Website, including any calculators or estimates, are for general information only. They

• Do not constitute financial or other professional advice
• Are not guaranteed to be accurate, complete or free of error
• Do not represent an offer, recommendation or endorsement of any particular lender, product or transaction
• Do not provide any approved loan offer
• May change at any time without notice.

You should obtain independent professional advice before acting or relying on any information or tools provided on the Website

The Website may include links to third-party websites or services. These links are provided for convenience only. We do not endorse or verify the content of any third-party site and are not responsible for their privacy practices, accuracy or security. You access third-party sites at your own risk.

Your obligations

You must use the Website lawfully and responsibly. In particular, you must not:

• Use the Website in a manner that breaches any law or regulation
• Transmit or introduce any virus, worm, Trojan horse or similar code that may damage, interfere with, or attempt to gain unauthorised access to any system, data or network
• Use the Website or any form, calculator or service to defraud or mislead any person
• Input or store any data that infringes the rights (including privacy rights) of others or that is offensive, harmful or misleading
• Attempt to scrape, harvest, data mine, deep-link or otherwise extract data from the Website without our written consent
• Use the Website for any commercial purpose without our prior written permission
• Attempt to circumvent or disable any security or access control on the Website.

You must keep any access details, portal links or passwords secure and notify us immediately if you believe anyone has unauthorised access to them.

You must not create a link to our Website with out our prior written consent.

You agree to provide information that is true, current and complete and to promptly update any details that become inaccurate.

Intellectual property

This website may contain links to third-party websites or services operated by other parties. These links are provided for convenience only. Nomu is not responsible for the content, accuracy, or practices of any linked site, nor does inclusion of any link imply endorsement. You access third-party websites at your own risk and should review their privacy and terms policies before using them.

No financial advice

All content on this Website, including text, graphics, logos, icons, images, data, calculators, tools, software, design elements, and underlying code ("Content"), is owned by or licensed to Nomu Finance Limited and is protected by New Zealand and international intellectual property laws.

You may access and use the Website and Content for your personal, non-commercial use only. Except as expressly permitted by law, you must not copy, reproduce, modify, distribute, publish, display, perform, transmit, store, reverse engineer, create derivative works from, or otherwise exploit any part of the Website or Content without our prior written consent.

No licence or right is granted to you other than the limited right to access and use the Website in accordance with these Website Terms.

Any unauthorised use of the Website or Content may violate intellectual property laws and may result in legal action.

Website limitations

While we aim to keep the Website available and accurate, we do not guarantee that it will always be accessible, uninterrupted or free from error. To the maximum extent permitted by law, we are not liable for any loss, damage or expense arising from

The Website being unavailable or performing slowly

• Any error or omission in the information or results provided
• Interruptions, delays or failures in transmission or access
• Exposure to viruses or other harmful material when using the Website
• Any third-party website linked from the Website.

You are responsible for ensuring that your access to and use of the Website is secure and does not expose your device or data to viruses, malware or fraud.

Indemnity

You indemnify Nomu Finance Limited, its directors, employees and agents against all losses, damages, costs and expenses arising out of or in connection with your use of the Website or your breach of these Website Terms, except to the extent caused by our fraud or dishonesty.

Liability

To the maximum extent permitted by law, access to and use of the Website is at your own risk and we exclude all liability for any loss or damage you may suffer in connection with your use of or reliance on the Website.

Nothing in these Website Terms limits or excludes any rights or remedies you have under the New Zealand Consumer Guarantees Act 1993 or any other law that cannot lawfully be excluded. Where our liability cannot be excluded but can be limited, our total liability to you is limited to NZD $150.

General

We may suspend or terminate your access to the Website at any time and without notice if we consider that you have breached these Website Terms or if we otherwise consider it appropriate. On termination, you must immediately cease using the Website and not attempt to access it again.

By providing us with your email address or other contact details, you agree that we may contact you electronically in connection with your enquiry or application and provide you with information about our products or services that may be of interest to you.
We respect your privacy. All personal information collected through the Website is handled in accordance with our Privacy Policy available at www.nomu.co.nz/legal/privacy.

These Website Terms, and any dispute relating to them or to the Website, are governed by and must be interpreted in accordance with the laws of New Zealand. You agree to submit to the non-exclusive jurisdiction of the New Zealand courts in relation to any dispute.
If any part of these Website Terms is held to be illegal, invalid or unenforceable, that part will be modified to the extent necessary to make it enforceable or, if modification is not possible, treated as severed from the rest. The remainder of the Website Terms will continue in full force.
Clauses relating to intellectual property, liability, indemnity, and governing law survive termination of these Website Terms.