Terms and Conditions

1. Introduction

Welcome to SMELoans.co.nz. These Terms and Conditions govern your use of our website and services. By accessing or using SMELoans.co.nz, you agree to be bound by these Terms and Conditions and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

2. Service Description

3. User Responsibilities

4. Intellectual Property

The content, organization, graphics, design, compilation, and other matters related to the Website are protected under applicable copyrights, trademarks, and other proprietary rights. Copying, redistribution, use, or publication by you of any such matters or any part of the Website is strictly prohibited without our express prior written permission.

5. Privacy Policy

Your use of the Website is subject to our Privacy Policy. By using the Website, you consent to all actions we take with respect to your information in compliance with our Privacy Policy.

6. Disclaimer

The information provided on this website is for general informational purposes only. All information on the site is provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the site.

We do not provide financial advice. The information provided is not intended to replace professional advice. You should consult with a financial professional before making any financial decisions.

7. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall SMELoans.co.nz, its directors, employees, partners, agents, suppliers, or affiliates 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 access to or use of or inability to access or use the service
• Any conduct or content of any third party on the service
• Any content obtained from the service
• Unauthorized access, use, or alteration of your transmissions or content

8. Indemnification

You agree to defend, indemnify, and hold harmless SMELoans.co.nz, its directors, employees, partners, agents, suppliers, or affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms and Conditions or your use of the Website.

9. Third-Party Links

Our Website may contain links to third-party websites or services that are not owned or controlled by SMELoans.co.nz. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that SMELoans.co.nz shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

10. Governing Law

These Terms shall be governed and construed in accordance with the laws of New Zealand, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

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 try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Website after those revisions become effective, you agree to be bound by the revised terms.

12. Contact Information

For any questions about these Terms of Service, please contact us at: legal@smeloans.co.nz