Website Terms of Use
The website https://terepay.com/ (Website) is owned and maintained by TerePay Neophile Limited (we, us, our). Please read these terms of use (Terms) carefully before continuing to use or browse the Website. By accessing and using the Website you are deemed to have accepted these Terms and agreed to be bound by them.
Our current Privacy Policy (available here- https://terepay.com/privacy-policy/) forms part of these Terms. These Terms (including the Privacy Policy) form the entire agreement between us and you relating your access to and use of the Website.
We reserve the right to change or modify the Terms at any time, without giving you prior notice. Any change will take effect once posted on the Website.
1. About this Website
The Website is not an offer to provide products or services to you and any communication you send to us does not impose any obligation on us.
The information on the Website is general information only, is not advice, is not an endorsement or recommendation of any kind including regarding the value or suitability of any particular course of action or transaction. The calculators on the Website and their results are not a recommendation to borrow or confirmation that we will provide you with a loan. We recommend you seek appropriate advice (including personalised financial advice) from relevant qualified professionals that suit your circumstances.
2. Our Products and Services
Our products and services are provided to New Zealand residents only. Applications for credit are subject to responsible lender checks and our credit criteria.
3. No Warranties
To the maximum extent permitted by law, we make no representations, warranties, and guarantees of any kind (express or implied) including (without limitation) about the accuracy, reliability, completeness, suitability or availability of the Website or the information contained on the Website (including the results from the loan calculators).
The information on the Website is subject to change at any time and may, at times, be out of date, inaccurate and/or incomplete.
To the maximum extent permitted by law, we are under no obligation, and we accept no responsibility, to update any information (including the results from the loan calculators) on the Website or to correct any errors in the information after it is published on the Website, nor do we accept any liability for any failure to do so.
Any reference to historical information and performance of a product or service may not necessarily be a good guide to future performance. You are solely responsible for any actions you take or do not take by relying on such information.
4. No Liability
To the maximum extent permitted by law, we and our directors, contractors, business associates, consultants and staff are not liable for any damage, losses (including loss of profit, income, or saving), costs or expenses of any kind, whether direct, indirect or consequential, howsoever arising, suffered or incurred by you in connection with your access to or use of the Website or the information on or accessed from or through the Website (including the content of other websites access from our Website). Nothing in these Terms has the effect of contracting out of your rights under the Consumer Guarantees Act 1993 or other consumer protection law that cannot be contracted out of. However, if you are using the Website or its content in trade, the Consumer Guarantees Act 1993 will not apply to you and you agree and confirm that it is fair and reasonable that the Act does not apply to you.
5. Jurisdiction & Governing Law
The information is only intended for persons in New Zealand and is not intended for persons outside New Zealand. The laws of New Zealand shall govern your use of the Website and you agree to submit to the non-exclusive jurisdiction of the New Zealand courts. To the maximum extent permitted by law, we are not responsible or liable for any failure of the Website to comply with the laws of any other country.
6. Virus protection
We do not guarantee that the Website will always be secure and free of viruses or bugs, or will be accessible without any interruption. You acknowledge that it is your responsibility to implement sufficient procedures and virus checks (including anti-virus and other security checks).
7. Linked Websites
The Website may contain links to other websites. These websites are neither under the control of, nor monitored by us and we have no knowledge of or control over the nature, content, and availability of those websites. We do not, in any way, sponsor, recommend, or endorse anything contained on these websites. Responsibility for the content and privacy practices of these websites rests solely with the owners of those websites and not with us.
8. Website availability
We may change, suspend, discontinue, or restrict access to, the Website at any time (whether with respect to you or all users generally) without notice or liability to you. We take no responsibility for, and we are not liable for damage, losses (including loss of profit, income, or saving), costs or expenses of any kind, whether direct, indirect or consequential, howsoever arising, suffered or incurred by you due to, the website being unavailable for any reason.
9. Intellectual Property
Any reference to “information” in these Terms includes all information on the Website (including all data, text, graphics, artwork, photographs, logos, icons, sound recordings, and videos) as well as any information linked from the Website.
All copyright and intellectual property rights in the information contained on the Website, and all rights to that intellectual property, are owned by us (or used with the approval of the relevant owner). Nothing on the Website grants, or should be construed as granting, you any licence to use any information (including, without limitation, trademarks or logos appearing on the Website) without our express written permission. Unless stated otherwise, you may access and download the materials located on the Website only for personal, non-commercial use or otherwise in relation to using or considering using any of the products services we provide (whether through the Website or otherwise).
If you wish to link to any part of the Website, you must obtain our prior written consent.
9. Cookies
By using or accessing the Website, you are giving consent to us to use cookies to collect data about each visit to the Website. Cookies help us to analyse site usage more accurately. Most web browsers are set to accept cookies. If you do not wish to accept cookies, you can set your browser to refuse them or to warn you when you are about to receive one. Like most websites, we use cookies for a variety of purposes to improve your online experience, for analytics and for marketing.
10. Disclosure Statement
Please refer to our Disclosure Statement (available at https://terepay.com/disclosure-statement/) for more information about our financial advice services.