Terms & Conditions

1. Acceptance of Terms

By accessing, browsing, or using TruckLoan.co.nz (the "Website"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy.

If you do not agree with any part of these Terms, you must not use our Website or services. Your continued use of the Website constitutes acceptance of these Terms and any subsequent modifications.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website. Your continued use after such changes constitutes acceptance of the modified Terms.

2. About Our Service

What We Do:

TruckLoan.co.nz is a free online comparison and lead generation platform. We help New Zealand individuals and businesses:

• Compare truck finance options from multiple providers
• Access quotes from licensed finance providers and brokers
• Learn about truck finance products, rates, and features
• Submit applications to be matched with suitable lenders

What We Are Not:

• We are not a lender — we do not provide loans or credit directly
• We are not a financial adviser — we do not provide personalized financial advice
• We are not a finance broker — we operate as a lead generation and comparison service
• We are not a guarantor — we do not guarantee loan approval or specific terms

3. User Eligibility and Obligations

Eligibility Requirements:

To use our Website and services, you must:

• Be at least 18 years of age
• Be a New Zealand resident or have a valid New Zealand work visa
• Have the legal capacity to enter into binding contracts
• Provide accurate, complete, and current information
• Not be prohibited by law from receiving financial services

Your Obligations:

When using our Website, you agree to:

• Provide accurate information: All details you submit must be truthful, accurate, and up-to-date
• Update your information: Notify us of any changes to your contact details or circumstances
• Use the service lawfully: Comply with all applicable New Zealand laws and regulations
• Protect your account: Keep any login credentials secure and confidential
• Respect intellectual property: Not copy, reproduce, or distribute our content without permission
• Avoid misuse: Not attempt to interfere with, damage, or gain unauthorized access to our systems
• No fraudulent activity: Not use our service for any fraudulent, deceptive, or illegal purposes

4. How Our Service Works

Application Process:

1. You submit your details: Complete our online form with information about your truck finance needs
2. We process your application: Your information is reviewed and matched with suitable providers in our network
3. Partners contact you: Licensed finance providers and brokers reach out with quotes and offers
4. You choose your option: Compare offers and select the one that best suits your needs
5. Complete your application: Work directly with your chosen provider to finalize your loan

Important Notes:

• Submitting an application does not guarantee approval or any specific loan terms
• Each lender has their own eligibility criteria and assessment process
• You may be contacted by multiple providers from our network
• You are under no obligation to proceed with any offer you receive
• Final loan terms are determined by the lender, not by TruckLoan.co.nz

5. No Financial Advice

Important: TruckLoan.co.nz does not provide financial advice, recommendations, or endorsements.

• All information on our Website is general in nature and for informational purposes only
• We do not assess your individual financial situation or suitability for any product
• We do not recommend or endorse any particular lender, product, or loan terms
• You should consider seeking independent financial advice before making any borrowing decisions
• We are not responsible for the suitability of any product for your circumstances

You acknowledge that any decisions you make based on information from our Website are made at your own risk and are your sole responsibility.

6. Referral Fees and Commissions

Our service is free for users. We generate revenue through referral fees and commissions from finance providers and brokers when users are connected through our platform.

• We may earn a commission if you proceed with a loan through one of our partners
• This does not affect the price you pay or the loan terms you receive
• Lenders determine their own rates, fees, and conditions
• Our referral relationships do not influence the quotes you receive
• We aim to provide a balanced range of options from various providers

7. Third-Party Providers and Services

TruckLoan.co.nz connects you with third-party finance providers and brokers. Your relationship with these parties is independent of TruckLoan.co.nz.

Provider Responsibilities:

• All providers in our network are required to hold appropriate licenses and registrations
• Each provider is responsible for their own credit assessments, approvals, and lending decisions
• Providers must comply with all applicable laws, including responsible lending obligations
• Terms and conditions provided by lenders are binding between you and that lender

Our Limitations:

• We do not control or guarantee the accuracy of information provided by third parties
• We are not responsible for the conduct, services, or products of any provider
• We do not guarantee the availability, quality, or suitability of any loan product
• Any disputes with providers must be resolved directly with them
• We are not liable for any loss or damage resulting from your use of third-party services

8. Privacy and Data Sharing

Your privacy is important to us. By using our Website, you consent to the collection, use, and sharing of your personal information as described in our Privacy Policy.

Key points regarding your data:

• We collect information you provide and technical data about your use of our Website
• Your information is shared with Vega Group Holdings Limited (FSP773794) and other licensed partners
• Partners may contact you by phone, email, or SMS to discuss your application
• We use industry-standard security measures to protect your information
• You have rights to access, correct, and delete your personal information

For full details, please review our Privacy Policy.

9. Intellectual Property Rights

All content on TruckLoan.co.nz, including but not limited to text, graphics, logos, images, software, and design, is owned by or licensed to TruckLoan.co.nz and is protected by New Zealand and international copyright, trademark, and other intellectual property laws.

You May:

• View and use the Website for personal, non-commercial purposes
• Print pages for your own reference
• Share links to our Website on social media or other platforms

You May Not:

• Copy, reproduce, distribute, or create derivative works without written permission
• Use our trademarks, logos, or branding without authorization
• Scrape, mine, or extract data from our Website using automated tools
• Modify, reverse engineer, or decompile any aspect of our Website
• Use our content for commercial purposes without a license

10. Website Availability and Maintenance

While we strive to ensure TruckLoan.co.nz is available 24/7, we do not guarantee uninterrupted access.

• The Website may be unavailable due to maintenance, updates, or technical issues
• We may suspend or discontinue any part of the Website at any time without notice
• We are not liable for any loss or inconvenience caused by Website unavailability
• We reserve the right to modify or update the Website and its features

11. Disclaimers and Warranties

TO THE MAXIMUM EXTENT PERMITTED BY NEW ZEALAND LAW:

Website "As Is":

• The Website and all information are provided "as is" and "as available"
• We make no warranties, express or implied, regarding accuracy, completeness, or reliability
• We do not warrant that the Website will be error-free, secure, or virus-free
• We do not guarantee any specific results from using our service

No Guarantee of Approval:

• We do not guarantee that you will be approved for any loan or finance product
• We do not guarantee any specific interest rates, terms, or loan amounts
• Approval decisions are made solely by individual lenders based on their criteria

Information Accuracy:

• While we aim for accuracy, information on the Website may contain errors or omissions
• Interest rates, fees, and product features are subject to change by lenders
• You should verify all information directly with providers before making decisions

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TRUCKLOAN.CO.NZ, ITS OWNERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

• Any direct, indirect, incidental, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages resulting from use of or inability to use our Website
• Any errors, omissions, or inaccuracies in content
• Unauthorized access to or alteration of your data
• Actions or omissions of third-party providers or brokers
• Any loan terms, conditions, fees, or rates offered by lenders
• Disputes between you and any third-party provider
• Financial loss resulting from borrowing decisions

Some jurisdictions do not allow limitation of liability for certain types of damages. In such cases, our liability will be limited to the maximum extent permitted by law.

13. Indemnification

You agree to indemnify, defend, and hold harmless TruckLoan.co.nz, its owners, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses (including reasonable legal fees) arising from or related to:

• Your use of or inability to use the Website
• Your violation of these Terms and Conditions
• Your violation of any rights of another party
• Any false, inaccurate, or misleading information you provide
• Your breach of any applicable laws or regulations
• Your interactions with third-party providers or brokers

14. Termination

We reserve the right to terminate or suspend your access to the Website, without prior notice or liability, for any reason, including but not limited to:

• Breach of these Terms and Conditions
• Provision of false or misleading information
• Fraudulent, abusive, or illegal activity
• At our sole discretion for operational or business reasons

Upon termination, your right to use the Website will cease immediately. Provisions that by their nature should survive termination (including disclaimers, limitations of liability, and indemnification) shall survive.

15. Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of New Zealand.

• Any disputes arising from these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the New Zealand courts
• You consent to the personal jurisdiction of the New Zealand courts
• The New Zealand Consumer Guarantees Act 1993 and Fair Trading Act 1986 apply where applicable
• Nothing in these Terms excludes or limits your rights under New Zealand consumer protection laws

16. Dispute Resolution

If you have a complaint or dispute regarding our service, please contact us first to attempt to resolve the matter informally:

If we cannot resolve your complaint to your satisfaction, you may refer the matter to:

• Disputes Tribunal: For claims up to NZ$30,000 (or NZ$20,000 if no consent)
• Financial Services Complaints Limited (FSCL): For financial service disputes
• Office of the Privacy Commissioner: For privacy-related complaints

17. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severed from these Terms, and the remaining provisions shall continue in full force and effect.

18. Entire Agreement

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and TruckLoan.co.nz regarding your use of the Website and supersede all prior agreements, understandings, and communications, whether written or oral.

19. Contact Us

If you have any questions, concerns, or feedback regarding these Terms and Conditions, please contact us: