Privacy & Terms and Conditions for ValueScope
Privacy & Terms and Conditions for MortgageSmart
Introduction
Welcome to MortgageSmart. These Terms and Conditions, together with our Privacy Policy, govern your use of the MortgageSmart website, accessible at www.MortgageSmart.co.nz. By using our site, you agree to comply with these terms. Users under the age of 18 are not permitted to access this website.
Our Services
MortgageSmart.co.nz provides a platform for collecting information and connecting users with either mortgage specialists. To deliver these services, we collect and share your property details, name, phone number, and email solely for the purpose of addressing your enquiry. Your data will not be sold or shared with any third parties beyond those required to fulfil your request.
Intellectual Property
Except for the content you provide, all intellectual property rights and materials on this website are owned by MortgageSmart and/or its licensors. You are granted a limited licence to access and view the content for personal use only.
Usage Restrictions
You are prohibited from:
Republishing website content in any format or media.
Selling, sublicensing, or otherwise commercially exploiting website content.
Publicly displaying or performing website content.
Using the website in any way that may harm or disrupt its functionality.
Violating applicable laws or regulations through the website.
Engaging in unauthorised data extraction, harvesting, or similar activities.
Using the website for advertising or marketing purposes without permission.
MortgageSmart reserves the right to restrict access to certain sections of the website at its discretion. Any login credentials provided must be kept confidential.
Disclaimer of Warranties
This website is provided "as is," without any warranties of any kind. MortgageSmart does not guarantee uninterrupted access or error-free functionality. We disclaim responsibility for third-party services, including financial advisers referred to you. The information on this site does not constitute financial or property advice.
Your Content
Any content you submit or display on MortgageSmart.co.nz, including text, images, or other media, must not infringe upon third-party rights. By submitting content, you grant MortgageSmart a global, non-exclusive licence to use, reproduce, and distribute it in all media forms. We reserve the right to remove content at any time without notice.
Limitation of Liability
ValueScope and its affiliates are not liable for any direct, indirect, or consequential damages arising from your use of this website or related services. Any disputes with third-party service providers must be resolved directly with them.
Indemnification
You agree to indemnify MortgageSmart against any claims, costs, or liabilities resulting from your breach of these Terms, including interactions with third-party professionals introduced through our platform.
Severability
If any provision of these Terms is deemed invalid or unenforceable under applicable law, the remaining provisions will remain in full effect.
Changes to Terms
MortgageSmart may revise these Terms at any time. By continuing to use the website, you agree to review and comply with the updated Terms.
Entire Agreement
These Terms represent the entire agreement between you and MortgageSmart regarding your use of the website, superseding any prior agreements.
Governing Law
These Terms are governed by the laws of New Zealand (Example the Privacy Act 2020. Any disputes will be resolved under the jurisdiction of New Zealand courts.
Data Collection and Usage
We collect personal data, such as your name, email, and property details, solely to provide the requested services. Data is processed with your consent and stored securely for as long as required to fulfil its purpose.
Sharing Information
Your data will only be shared with your consent and exclusively with a requested financial adviser. We do not use your data for any other purposes.
Cookies
Our website uses cookies to enhance your browsing experience. You may manage or disable cookies through your browser settings, though this could impact website functionality.
Third-Party Services
We utilise third-party services, such as Google Analytics and Facebook.com, for analysing website traffic. These services collect data independently; please review their privacy policies for further details.
Data Removal
You may request the deletion of your personal data by contacting us at admin@MortgageSmart.co.nz or calling 0211534959. We aim to process such requests within 48 hours.
Contact Us
For questions about these Terms or our Privacy Policy, please contact us via email at admin@MortgageSmart.co.nz. By using this website, you acknowledge and accept these Terms and Policies.
Updated: 20/01/2025