Terms and conditions

This policy outlines how we manage your personal information inline with the Privacy Act 2020 and the CCCFA, ensuring we handle your data responsibly and transparently. This website is owned and operated by MatchMe Money Limited (MMML) under the domain name “www.matchmemoney.co.nz”.

By accessing or using the MMMLwebsite, you accept these Terms and Conditions, the Privacy Policy, notices, and any other rules of use contained on this website, including any changes made to them from time to time. You should review these documents carefully and check periodically for any updates. If you do not agree with these Terms and conditions, the Privacy policy, notices, and/or any other rules, you are not authorised to use the MMML website.

The MMML website offers access to a collection of products, services, and online resources, conditional upon your acceptance without modification of the terms, conditions, and notices. Your use of the MMML website and its associated products, services, and online resources constitutes your agreement to all such terms, conditions, and notices.

Use of the website

The use of this website is subject to the following terms of use:

Personal, non-commercial use:

The content of the pages of this website is for your general information and only for your personal, non-commercial use.

Changes to website:

MMML may make changes to the website and its associated products, services, and online resources without notice.

Cookies:

This website uses cookies to monitor browsing preferences. MMML only uses cookies to monitor and track usage on our website using Google Analytics. For an overview of Google Analytics privacy, please visit Google Analytics Privacy. To opt-out of being tracked by Google Analytics, you can use their ‘Opt-out tool’.

No warranties:

Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness, or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors, and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

Risk and liability:

Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your responsibility to ensure that any products, services, or information available through this website meet your specific requirements.

Interruption of service:

You agree not to interrupt or attempt to interrupt the operation of this website.

Intellectual property:

This website contains material which is owned by or licensed to MMML. This material includes, but is not limited to, the design, layout, look, appearance, and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.

Trademarks:

All trademarks reproduced in this website, which are not the property of or licensed to the operator, are acknowledged on the website.

Unauthorised use:

Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offense.

‍Intellectual property rights:

Nothing in these Terms constitutes a transfer or license of any of our intellectual property rights, including any intellectual property rights that we have in and to the information, material, or content that is displayed or available on the MMML website.

Links to third-party websites:

From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s). Where you access a third-party website from the MMML website, information about your preferences or other information you have provided maybe shared between us and the third party. These websites should contain their own privacy statements/policies and are responsible for their own privacy practices.

Governing law

The use of this website and these Terms and conditions are 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.

Declarations for finance application

 By submitting a finance application through our website, you:

• Declare that the information provided in your finance application is true and correct and that you are over the age of 18 years and are not an undischarged bankrupt.
• Give permission to MMML to verify any information that you provide (or information that we may collect from other sources) with third parties and third-party databases, including Government agencies, for purposes related to your application for credit or administering your account with us, including for fraud prevention and complying with the Anti-Money Laundering and Countering Financing of Terrorism Act 2009.
• Appoint MMML as your agent to collect, use, and disclose your personal information for carrying out credit checks with a credit reporting agency for the purpose of making a recommendation for a credit facility the MMML Finance Partner. This includes providing your information to the credit reporting agency and receiving information about you from the credit reporting agency.
• Authorise any third party to provide your personal information to MMML for any of these purposes during and after the process of applying for finance.
• Understand that if MMML discloses your personal information to a credit reporting agency, they may hold your information on their credit reporting database and use it for providing credit reporting services and for any other lawful purpose. They may also disclose your information to their subscribers for the purpose of credit checking or debt collection or for any other lawful purpose.
• Agree that the MMML Finance Partner may collect personal, financial, and commercial information and references about you as is necessary for considering this application and may produce this authority to such parties for the purposes of collecting such information.
• Agree to meet the cost of an independent valuation of the security to support this application, such valuation to be obtained by MMML in consequence of this application. Your solicitor/agent is authorised to accept any notification on your behalf.
• Agree that MMML is authorised to disclose your personal and financial information to disclosed referral partners for the purpose of providing additional products and services.

 Acknowledge that if the MMML Finance Partner provides this finance, they:

• Will keep your personal information during the period the finance is provided and for six months after repayment of all credit provided.
• May provide MMML with information regarding the finance facility during and after the repayment of all credit provided, along with updated personal and financial information.
• May collect and monitor personal information about you as is necessary for the administration and protection of such credit.
• May provide any of the personal information to a third party employed by the MMML Finance Partner to assist in enforcement of any agreement between us.
• Request the MMML Finance Partner or any related MMML finance partner to send you details of other products and services from time to time.
• Acknowledge that you have the right to access your personal information and request correction.

 Provision of additional services

You authorise the MMML Finance Partner to disclose personal information about you to a credit agency for the purposes of compiling a credit report and creating a credit profile. Further, you authorise the MMML Finance Partner to use your personal information for merchandising, market research, and offering additional services, including newsletters from MMML or the offer of additional credit facilities.

The information that may be disclosed includes: name, address, telephone number, loan amount of any facility, any debits made, frequency and amounts of payments made, including details of overdue payments. You understand that you have the right to access and request correction of your personal information held by the credit reporting agency.

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