Terms and Conditions

1. Agreement to Terms

By accessing and using Rate Wise ("we," "our," or "us"), you accept and agree to be bound by the terms and provision of this agreement. These Terms and Conditions apply to all users of the service, including without limitation users who are browsers, vendors, customers, merchants, and/or contributors of content.

2. Description of Service

Rate Wise is a web-based platform that provides mortgage rate comparison and refinancing calculation services for New Zealand residents. Our service includes:

• Daily mortgage rate tracking from New Zealand lenders
• Personalised mortgage insights and recommendations
• Refinancing calculators and tools
• Notification services for rate changes

3. Information Accuracy

While we strive to provide accurate and up-to-date information, Rate Wise makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or availability of the mortgage rates, calculations, or other information provided through our service.

All mortgage rate information is obtained from publicly available sources and third-party providers. We recommend that you verify all information directly with your chosen lender before making any financial decisions.

4. Financial Advice Disclaimer

Rate Wise does not provide financial advice. Our tools and calculators are for informational purposes only and should not be considered as professional financial advice. We strongly recommend that you:

• Consult with a qualified financial advisor before making mortgage decisions
• Verify all calculations and information with your lender
• Consider your individual financial circumstances
• Read and understand all terms and conditions of any financial products

5. User Accounts and Responsibilities

When you create an account with us, you must provide information that is accurate, complete, and current at all times. You are responsible for:

• Safeguarding your password and account information
• All activities that occur under your account
• Ensuring the accuracy of information you provide
• Notifying us immediately of any unauthorised use of your account

6. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which complies with the New Zealand Privacy Act 2020.

7. Prohibited Uses

You may not use our service:

• For any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code

8. Limitation of Liability

Under the Consumer Guarantees Act 1993 and Fair Trading Act 1986, certain guarantees and rights are conferred on consumers that cannot be excluded. Where you acquire our services for personal, domestic, or household use, nothing in these terms limits these rights.

To the maximum extent permitted by law, Rate Wise shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the service.

9. Termination

We may terminate or suspend your account and bar access to the service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever, including without limitation if you breach the Terms.

10. Governing Law

These Terms shall be interpreted and governed by the laws of New Zealand. Any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of New Zealand.

11. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect.

12. Contact Information

If you have any questions about these Terms and Conditions, please contact us through the support section of our application.