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Website Terms & Conditions
1. Acceptance of these terms
These Website Terms and Conditions (Terms) apply to your access to and use of this website(Website). By using the Website, you agree to these Terms. If you do not agree, please do not use the Website.
2. About us
The Website is operated by Optimise Finance Limited (we, us, our).
Company number:9256029
Financial Service Provider: FSP1008513
We hold a Class2 Financial Advice Provider licence issued by the Financial Markets Authority(FMA). Refer to our Disclosure Statement.
3. Changes to the Website and these Terms
We may update the Website and/or these Terms at any time without giving prior notice. Updated Terms apply from the date they are published on the Website.
4. General information only (no advice)
Content on this Website is provided for general information purposes only. It is not financial advice, legal advice, tax advice, or a recommendation. You should not rely on Website content as a substitute for advice tailored to your circumstances.
If we provide regulated financial advice services to you, we will provide the required disclosures and information as part of our advice process and in our public Disclosure Statement.
5. Scope of services
Our Disclosure Statement. describes the nature and scope of our financial advice services, including what we do and do not advise on.
6. No offer, no guarantee
Information on this Website (including rates, examples, tools, calculators, and guides) may be indicative only and may change without notice. Lender criteria and approvals are determined by lenders and can change. We do not guarantee that any finance will be approved, that any particular rate or terms will be available, or that any outcome will be achieved.
7. Your use of the Website
You agree not to:
a) use the Website in any way that is unlawful, misleading, fraudulent, or harmful
b) interfere with, disrupt, or attempt to gain unauthorised access to the Website or any systems
c) introduce viruses, malware, or other harmful code
d) scrape, harvest, or attempt to extract data from the Website other than for normal browsing
8. Security and electronic communications
While we take reasonable precautions, electronic communications (including email and Website transmissions) are not always secure. We do not warrant that the Website or any communications will be uninterrupted, timely, secure, error-free, free from viruses, or free from other harmful components.
9.Intellectual property
All content on the Website (including text, branding, logos, graphics, and design) is owned by or licensed to us and is protected by intellectual property laws unless otherwise and explicitly stated. You may view and print content for your personal use only. You must not copy, reproduce, modify, publish, distribute, or commercially exploit any Website content without our prior written consent.
10.Third-party websites and content
The Website may include links to third-party websites or content. We do not control third-party sites and are not responsible for their availability, security, content, or privacy practices. Links are provided for convenience and do not imply endorsement.
11. Privacy
Refer to our Privacy Policy.
12. Cookies and analytics
We may use cookies and similar technologies to operate the Website and understand how it is used (for example, performance analytics). Where required, we will seek appropriate consent. You can usually manage cookies through your browser settings.
13.Warranties
a) To the maximum extent permitted by law, the Website and its content are provided on an “as is” and “as available” basis.
b) We do not make any warranties or representations (express or implied) about the Website or its content, including that the Website will be accurate, complete, current, available, secure, free from errors, or fit for any particular purpose.
c) Nothing in these Terms is intended to exclude, restrict, or modify any rights or remedies you may have under New Zealand law that cannot lawfully be excluded.
14.Liability and limitation of liability
a) To the maximum extent permitted by law, we are not liable for any loss or damage (whether direct or indirect) arising from or in connection with:
i) your access to, use of, or inability to use the Website;
ii) reliance on any content on the Website;
iii) any viruses, malicious code, or other harmful components transmitted through the Website; or
iv) any unauthorised access to or use of your information.
b) This includes loss of profits, loss of revenue, loss of business, loss of opportunity, and loss of data.
15.Governing law
These Terms are governed by the laws of New Zealand, and by using this website you submit to the exclusive jurisdiction of the New Zealand courts.
16. Contact
If you have any questions about these Terms, please contact us using the contact details on our Website or as set out in our Disclosure Statement.
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