Effective Date: 1 February 2026
Last Updated: 1 February 2026

These Terms and Conditions ("Terms") govern your use of the Finance World website at financeworld.co.nz and the finance brokerage services provided by Finance World ("we", "us", "our"). By accessing our website or engaging our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our website or services.

We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of our website or services following any changes constitutes acceptance of those changes. It is your responsibility to review these Terms periodically.

2. Our Services

Finance World is a finance brokerage that provides the following services:

Home loan and mortgage broking for residential property purchases, refinancing, and refixing.
Asset finance for vehicles, equipment, and other personal or business assets.
Business and commercial finance, including working capital and commercial property loans.
Construction finance with progressive drawdown structures.
General financial guidance and lender comparison services.

We act as an intermediary between you and third-party lenders. We do not provide loans directly. All lending decisions are made by the relevant lender, and approval is subject to their credit assessment criteria and lending policies.

While we endeavour to find the most suitable finance solution for your circumstances, we do not guarantee that any application will be approved or that specific terms or rates will be available.

3. Disclaimers

General Information Only

The content on our website, including blog articles, guides, and calculators, is provided for general informational purposes only. It does not constitute personalised financial advice. Before making any financial decisions, you should seek independent advice from a qualified financial adviser who can consider your specific circumstances.

No Guarantee of Accuracy

While we take reasonable care to ensure the information on our website is accurate and up to date, we make no warranties or representations regarding the completeness, accuracy, reliability, or suitability of any information, products, or services presented. Interest rates, lender policies, and market conditions change frequently, and the information displayed may not reflect the most current data.

Third-Party Links

Our website may contain links to third-party websites or services. These links are provided for your convenience and do not imply endorsement or responsibility for the content, products, or services offered by those third parties. We have no control over the content or availability of external websites.

4. Limitation of Liability

To the maximum extent permitted by law, Finance World, its directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

Your use of, or inability to use, our website or services.
Any errors, omissions, or inaccuracies in the information provided on our website.
Any decisions made or actions taken based on information obtained through our website or services.
Any loss or damage resulting from unauthorised access to or alteration of your data.
Any delays, interruptions, or failures in the provision of our services.

Nothing in these Terms excludes or limits any rights you may have under the Consumer Guarantees Act 1993, the Fair Trading Act 1986, or any other legislation that cannot be lawfully excluded.

5. Your Obligations

When using our services, you agree to:

Provide accurate, complete, and truthful information in all applications and communications.
Promptly inform us of any changes to your financial circumstances that may affect your application.
Not use our website or services for any unlawful purpose or in breach of any applicable laws or regulations.
Not reproduce, distribute, or commercially exploit any content from our website without our prior written consent.

Providing false or misleading information may result in your application being declined, and may constitute an offence under New Zealand law.

6. Privacy

Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which forms part of these Terms. By using our website or services, you consent to the practices described in our Privacy Policy.

7. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Finance World or its licensors and is protected by New Zealand and international intellectual property laws. You may not reproduce, modify, distribute, or commercially exploit any content without our prior written consent.

8. Indemnity

You agree to indemnify and hold harmless Finance World, its directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including legal fees) arising from your breach of these Terms, your use of our services, or your violation of any applicable law or the rights of any third party.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of New Zealand. Any disputes arising from or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of New Zealand.

10. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

11. Contact Us

If you have any questions about these Terms and Conditions, please contact us:

Business: Finance World
Contact Person: Varun Bhatti
Email: info@financeworld.co.nz
Address: 164 Great South Road, Manurewa, Auckland 2102, New Zealand

Terms & Conditions