Terms of Use
The purpose of these Terms of Use is to explain to a visitor the terms and conditions on which they visit and use this website. Please read these Terms and Conditions carefully before using the Real Flow Finance (NZ) Ltd t/a Equity Now website. Herein Real Flow Finance (NZ) Ltd will be referred to as Equity Now.
ACCEPTANCE OF TERMS
By accessing the Equity Now website, you indicate that you have read and agreed to these Terms of Use and the Website Privacy Policy.
It is a condition of your use of this website that you observe the Terms and Conditions at all times.
We reserve the right to update or amend these Terms and Conditions at any time and your continued use of the Website/Services following any changes shall be deemed to be your acceptance of such change. It is therefore your responsibility to check the Terms and Conditions regularly for any changes.
APPLICATIONS FOR CREDIT
Nothing in this website is to be construed as Equity Now making any offer to enter into any transaction or relationship with you. For full details of up to date service information, charges, interest rates, terms and conditions, and any special offers you should contact us by email or telephone.
Notwithstanding any information on this site, any application for credit from Equity Now will be subject to Equity Now and/or the Financial Provider’s usual lending criteria as applicable at the time of application, together with lending fees, transaction fees and interest as applicable at the time of application.
Equity Now strongly recommends that you seek independent advice before acting on any information on this website. This website is not designed for the purpose of providing personal financial or investment advice.
WEBSITE TOOLS
The calculators and other interactive tools that may be used on this website from time to time are intended to be illustrative only. Equity Now does not represent or warrant the accuracy, adequacy or completeness of any information provided by those calculators and interactive tools.
WEBSITE INFORMATION
The information on this website has been provided by Equity Now for informational purposes. Equity Now does not warrant the accuracy or completeness of the materials on this website. Equity Now does not accept any liability for any loss or damage directly or indirectly arising from any information contained on this website.
Equity Now may at any time change the information available on this website, without notice, including discontinuing all or any aspects of this site. Equity Now will not be liable for any loss or damage which may arise directly or indirectly as a result of such changes.
No content on this website can or may change any contract for products or services that you may have with Equity Now.
When transmitting your personal information over this site, you should remember that the internet is not a secure environment.
THE SERVICES
The Website may provide communication tools such as email, bulletin boards, chat areas, news groups, forums and/or other message or communication facilities (“the Services”) designed to enable you to communicate with others. Unless stated otherwise the Services are for your personal and non-commercial use only.
CHILD SUPERVISION
We are concerned about the safety and privacy of our users, particularly children. Parents who wish to allow their children access to and use of the Website/Services should supervise such access and use. By allowing your child access to the Services you are allowing your child access to all of the Services, including email, bulletin boards, chat areas, news groups, forums and/or other message or communication facilities. It is therefore your responsibility to determine which Services are appropriate for your child. Always use caution when revealing personally identifiable information about yourself or your children via any of the Services.
USER ACCOUNT, PASSWORD AND SECURITY
If a particular Service requires you to open an account you will be required to complete the registration process by providing certain information and registering a username and password for use with that Service. You are responsible for maintaining the confidentiality of the username and password and also for all activities that take place under your account. You agree to immediately notify us of any unauthorised use of your password or account or any other breach of security. In no event will Equity Now be liable for any indirect or consequential loss or damage whatsoever resulting from the disclosure of your username and/or password. You may not use another person’s account at any time, without the express permission of the account holder.
TERMINATION
We have the right to terminate your access to any or all of the Services at any time, without notice, for any reason, including without limitation, breach of these Terms and Conditions. We may also at any time, at our sole discretion, discontinue the Website/Services or any part thereof without prior notice and you agree that we shall not be liable to you or any third party for any termination of your access to the Website/Services.
THIRD PARTY WEBSITES
The Website/Services may include links to third party websites that are controlled and maintained by others. Any link to other websites is not an endorsement of such websites and you acknowledge and agree that Equity Now is not responsible for the content or availability of any such sites.
INTELLECTUAL PROPERTY RIGHTS
The Website and its content (including without limitation the Website design, text, graphics and all software and source codes connected with the Website and the Services) are protected by copyright, trade marks, patents and other intellectual property rights and laws. In accessing the Website you agree that you will access the contents solely for your personal, non-commercial use. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes the downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.
Equity Now does not claim ownership of any materials you post, upload or submit to any publicly accessible area of the Services. However, by doing so you are granting us a world-wide, royalty free, non-exclusive licence to copy, distribute, transmit, reproduce, publicly display, edit, translate or publish such Content for as long as you elect to display such Content via the Services. The licence shall be terminated when such Content is deleted from the Services.
DISCLAIMERS
Use of the Website/Services is at your own risk. The Website/Services are provided on an “as is” and “as available” basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.
To the extent permitted by law, Equity Now will not be liable for any indirect or consequential loss or damage whatsoever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the Website/Services.
You agree to indemnify and hold Equity Now harmless from and against any breach by you of these Terms and Conditions and any claim or demand brought against Equity Now by any third party arising out of your use of the Services and/or any Content submitted, posted or transmitted through the Services, including without limitation, all claims, actions, proceedings, losses, liabilities, damages, costs, expenses (including reasonable legal costs and expenses) howsoever suffered or incurred by Equity Now in consequence of your breach of these Terms and Conditions.
Materials on this website may contain inaccuracies and typographical errors. Equity Now does not warrant the accuracy or completeness of the materials or the reliability of any advice, opinion, statement or other information displayed or distributed through the site. You acknowledge that any reliance on any such opinion, advice, statement, memorandum, or information shall be at your sole risk. Equity Now reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the site. Equity Now may make any other changes to the site, the materials and the products, programs, services or prices (if any) described in the site at any time without notice.
Equity Now may be paid a commission by a lender for any loan contract entered into as a result of a referral by us. By entering into such a contract you are deemed to agree to us being paid these commissions.
SEVERANCE
If any of these Terms and Conditions should be determined to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction then such Term or Condition shall be severed and the remaining Terms and Conditions shall survive and remain in full force and effect and continue to be binding and enforceable.
GOVERNING LAW
The use of this website and these Terms and Conditions are to be governed by the laws of New Zealand, and any disputes arising out of the same shall be resolved by the exclusive jurisdiction of the Courts of New Zealand.
CONTACTING US
If you have any questions or comments about the Equity Now website’s Terms of Use and/or the way it affects you, please feel free to contact us by sending an e-mail request to info@equitynow.co.nz.