Terms & Conditions

These Terms and Conditions govern your use of the Taprobane Finance Limited ("Taprobane Finance", "we", "us") website and the financial advice services we provide. By accessing our website or engaging our services, you agree to these terms.

1. About Taprobane Finance

Taprobane Finance Limited is a registered Financial Services Provider under the Financial Service Providers (Registration and Dispute Resolution) Act 2008 (FSP No. 768451). We are authorised to provide financial advice services in New Zealand under the Financial Markets Conduct Act 2013.

2. Nature of Financial Advice

The information on this website is general in nature and does not constitute personalised financial advice. It does not take into account your individual circumstances, financial situation, or goals. Before acting on any information, you should seek personalised advice from a qualified financial adviser.

When we provide you with personalised financial advice, we act in your best interests and prioritise your interests. We comply with our duties under the Financial Markets Conduct Act 2013.

3. Limitation of Liability

To the extent permitted by New Zealand law (including the Consumer Guarantees Act 1993 and Fair Trading Act 1986), Taprobane Finance will not be liable for:

• Any loss arising from reliance on general information on this website
• Indirect, incidental, or consequential damages arising from use of our services
• Actions or decisions of third-party lenders or product providers

Nothing in these terms limits liability where such limitation would be unlawful under New Zealand law.

4. Lending Decisions

Taprobane Finance acts as a financial adviser and mortgage broker. All lending decisions are made by the relevant lender, not by us. Approval of any application is subject to the lender's own credit criteria, terms, and conditions. We make no guarantee that any application will be approved.

5. Fees and Remuneration

In most cases, our services are provided at no direct cost to you. We receive commission from lenders and product providers when we successfully arrange a product on your behalf. Full disclosure of any fees, commissions, or conflicts of interest will be provided in our Disclosure Statement before we provide you with personalised advice.

6. Website Use

You agree not to use this website in any way that:

• Violates any applicable New Zealand or international law or regulation
• Is fraudulent, deceptive, or misleading
• Transmits unsolicited communications or malware
• Infringes the intellectual property rights of Taprobane Finance or any third party

7. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Taprobane Finance Limited and is protected by New Zealand and international copyright laws. You may not reproduce, distribute, or use any content without our prior written consent.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or accuracy of information on those sites.

9. Governing Law

These Terms and Conditions are governed by the laws of New Zealand. Any disputes arising will be subject to the exclusive jurisdiction of the New Zealand courts.

10. Changes to These Terms

We may update these terms from time to time. Continued use of our website or services after changes are posted constitutes your acceptance of the updated terms.

11. Contact

Questions about these terms? Contact us at info@taprobanefinance.co.nz.