Website Terms & Conditions
Please read these terms carefully before using this site. This website is provided by The Lending People Limited and may be used for informational purposes only. By using the site or downloading materials from the site, you agree to abide by the terms and conditions set forth in this notice. If you do not agree to abide by these terms and conditions do not use the site or download materials from the site.
Subject to the terms and conditions set forth in this Agreement, we grant you a non-exclusive, non-transferable, limited right to access, use and display this site and the materials thereon. You agree not to interrupt or attempt to interrupt the operation of the site in any way.
We authorise you to view and download the information (“Materials”) at this website (“Site”) only for your personal, non-commercial use. This authorisation is not a transfer of title in the Materials and copies of the Materials and is subject to the following restrictions: 1) you must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained in the Materials; 2) you may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose; and 3) you must not transfer the Materials to any other person unless you give them notice of, and they agree to accept, the obligations arising under these terms and conditions of use. You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time. This Site, including all Materials, is copyrighted and protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws worldwide in your use of this Site and to prevent any unauthorised copying of the Materials. Except as expressly provided herein, The Lending People does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information.
The materials may contain inaccuracies and typographical errors. The Lending People does not warrant the accuracy or completeness of the materials or the reliability of any advice, opinion, statement or other information displayed or distributed through the site. You acknowledge that any reliance on any such opinion, advice, statement, memorandum, or information shall be at your sole risk. The Lending People reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the site. The Lending People may make any other changes to the site, the materials and the products, programs, services or prices (if any) described in the site at any time without notice.
Subject to any applicable provisions of the Consumer Guarantees Act 1993 (CGA), which cannot be modified or excluded, this site, the information and materials on the site, and the software made available on the site, are provided “as is” without any representation or warranty, express or implied, of any kind, including, but not limited to, warranties of merchantability, non-infringement, or fitness for any particular purpose.
As a convenience to you, The Lending People may provide, on this Site, links to Web sites operated by other entities. If you use these sites, you will leave this Site. If you decide to visit any linked site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. The Lending People makes no warranty or representation regarding, and does not endorse, any linked Web sites or the information appearing thereon or any of the products or services described thereon. Links do not imply that The Lending People or this Site sponsors, endorses, is affiliated or associated with, or is legally authorised to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site is authorised to use any trademark, trade name, logo or copyright symbol of The Lending People or any of its affiliates or subsidiaries.
Information provided by you
Unless you are applying online or using the online Service Centre, The Lending People does not want you to, and you should not, send any confidential or proprietary information to The Lending People via the Site. You agree that any such information or materials that you or individuals acting on your behalf provide to The Lending People will not be considered confidential or proprietary. By providing any such information or materials to The Lending People, you grant to The Lending People an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, transmit and distribute such information and materials, and you further agree that The Lending People is free to use any ideas, concepts or know-how that you or individuals acting on your behalf provide to The Lending People. You further recognise that The Lending People does not want you to, and you warrant that you shall not, provide any information or materials to The Lending People that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.
Limitation of damages: in no event shall The Lending People or any of its subsidiaries be liable to any entity for any direct, indirect, special, consequential or other damages (including, without limitation, any lost profits, business interruption, loss of information or programs or other data on your information handling system) that are related to the use of, or the inability to use, the content, materials, and functions of the site or any linked website, even if The Lending People is expressly advised of the possibility of such damages.
The Lending People reserves the right, at its sole discretion, to change, modify, add or remove any portion of this Agreement in whole or in part, at any time. Changes in this Agreement will be effective when notice of such change is posted. Your continued use of the Site after any changes to this Agreement are posted will be considered acceptance of those changes. The Lending People may terminate, change, suspend or discontinue any aspect of the The Lending People Site, including the availability of any features of the Site, at any time. The Lending People may also impose limits on certain features and services or restrict your access to parts or all of the Site without notice or liability. The Lending People may terminate the authorisation, rights and license given above and, upon such termination, you shall immediately destroy all Materials.
International users and choice of law
This Site is controlled, operated and administered by The Lending People from its offices within New Zealand. The Lending People makes no representation that materials at this site are appropriate or available for use at other locations outside of New Zealand and access to them from territories where their contents are illegal is prohibited. You may not use the Site or export the Materials in violation of New Zealand export laws and regulations. If you access this Site from a location outside of New Zealand, you are responsible for compliance with all local laws. These Terms and Conditions of use shall be governed by the laws of New Zealand, without giving effect to its conflict of laws provisions. This Agreement constitutes the entire agreement between The Lending People and you with respect to your use of the Site. Any cause of action you may have with respect to your use of the Site must be commenced within the period provided by any applicable statute of limitations. If for any reason a court of competent jurisdiction finds any provision of the Agreement or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of the Agreement, and the remainder of this Agreement shall continue in full force and effect.
Terms and Conditions for $250 Satisfaction Guarantee
We try our hardest, but we can’t always be perfect, and sometimes we may not get it quite right.
If you find that after you have taken your loan, that you remain unhappy with our service, or you feel that we broke our promises in terms of fair and ethical lending, then please tell us so we can understand what went wrong and what not to do in the future.
If we find that we did drop the ball then we will happily pay you our $250 service Guarantee.
Please advise us in writing of your compliant within 3 working days of taking the loan to qualify for the Service Guarantee.
Please note that this Service Guarantee in no way inhibits your rights to make a formal complaint under our complaints process governed through FDR (Financial Disputes Resolution Scheme).