1. Introduction
Welcome to our website. These Terms and Conditions (“Terms”) govern your access to and use of our website and financial services. By accessing this website or using any of our services, you agree to be bound by these Terms.
If you do not agree with these Terms, please do not use our website or services.
2. Definitions
- “We,” “our,” “us” refers to Business Support Limited T/A pinoy.co.nz, a registered financial services provider in New Zealand.
- “You,” “your” refers to the user or client of our services or website.
- “Services” refers to car finance, mortgages, personal loans, and other financial products offered on this website.
3. Eligibility
To use our services, you must:
- Be at least 18 years old
- Reside in New Zealand
- Hold a valid visa or residency status
- Provide accurate and complete information during the application process
4. Financial Advice Disclaimer
We may provide factual information and product comparisons; however, we do not offer personalized financial advice unless explicitly stated. If you require specific advice, we recommend you speak to a licensed financial adviser.
5. Privacy and Use of Information
We collect, use, and store your personal information in accordance with the Privacy Act 2020. By submitting your details, you agree to our Privacy Policy.
Your information may be used to:
- Assess your creditworthiness
- Provide loan quotes
- Communicate with third-party lenders or brokers
- Comply with legal and regulatory obligations
6. Credit Checks and Loan Applications
By applying for a loan through our site, you consent to:
- Credit reporting checks via New Zealand credit bureaus
- Verification of employment and income
- Sharing of your application data with lenders, insurers, or credit-related service providers
Approval is not guaranteed and is subject to the lending criteria of third-party finance providers.
7. Accuracy of Information
We strive to keep the information on our website current and accurate, but we do not guarantee its completeness or reliability. You are responsible for verifying any product details or calculations.
8. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, terms, or privacy practices of external websites.
9. Intellectual Property
All content on this site—including logos, text, images, and code—is the intellectual property of Rise Wealth Limited T/A pinoy.co.nz or licensed for use. You may not reproduce or distribute content without our written permission.
10. Limitation of Liability
To the maximum extent permitted by law:
- We are not liable for any loss, damages, or expenses resulting from your use of this website or services.
- We make no warranty that the website will be uninterrupted or error-free.
11. Amendments
We may update these Terms at any time. Changes take effect once published on the website. It is your responsibility to review them regularly.
12. Governing Law
These Terms are governed by the laws of New Zealand. Any disputes will be subject to the jurisdiction of New Zealand courts.
13. Contact Information
If you have any questions about these Terms, please contact us at:
Business Support Limited T/A Pinoy Finance
www.pinoy.co.nz
Email: info@pinoy.co.nz
Phone: 0800 769 001
Address: Suite 2, The Loft, 391 Rosebank road, Avondale, Auckland 1026