Website terms of use

About these terms

These terms apply to your use of www.mutualtrust.co.nz (the website), operated by Mutual Trust Financial Services Limited, trading as Mutual Trust Capital (we, us, our). By using the website, you agree to these terms. If you don't agree, please don't use the website.

General information, not financial advice

The content on this website, including guides, rate information and calculators, is general information only. It doesn't take into account your objectives, financial situation or needs, and it isn't a recommendation or financial advice. We give personalised financial advice only after talking with you about your circumstances, as described in our public disclosure. Talk to a financial adviser before acting on any information on this website.

No offer of credit

Nothing on this website is an offer of credit, a loan approval or a promise that finance will be available. All lending is subject to the lender's criteria, fees, terms and conditions.

Calculators and rates

Our calculators give estimates only, based on the figures you enter and the assumptions shown with each result. They assume interest rates stay the same and don't include every fee or cost. Any rate information we give you is indicative and can change at any time. Always confirm current rates, fees and terms with the lender.

Website chat assistant

The chat assistant on this website is an automated tool that gives general information about borrowing and our services. It is not financial advice, it doesn't know your circumstances, and it can make mistakes. Don't rely on it to make a financial decision: talk to one of our advisers. Please don't enter sensitive details such as bank account numbers, IRD numbers or passwords in the chat.

Accuracy and availability

We take reasonable care to keep the website accurate and up to date, but we don't guarantee that its content is complete, accurate or current, or that the website will be available without interruption or free of errors or viruses. Information about lending rules and government schemes reflects our understanding at the date shown, and these can change.

Enquiries and forms

When you send us an enquiry or ask for a reminder, we use your information as set out in our privacy policy. Sending an enquiry doesn't make you our client or oblige either of us to go ahead. Before we give you financial advice, we will give you the information we are required to provide.

Links to other websites

This website links to other websites, such as government agencies and the Insurance & Financial Services Ombudsman Scheme. We don't control those websites and aren't responsible for their content or privacy practices.

Intellectual property

The website and its content, including the Mutual Trust name and logo, text, graphics and calculators, belong to us or our licensors. You may view and print pages for your own personal, non-commercial use. You may not copy, reproduce or republish any part of the website for any other purpose without our written permission.

Our liability

To the maximum extent permitted by law, we are not liable for any loss or damage arising from your use of, or reliance on, this website or its content, including the calculators. Nothing in these terms limits any rights you have under the Consumer Guarantees Act 1993, the Fair Trading Act 1986 or any other law that cannot lawfully be excluded.

Changes to these terms

We may change these terms by publishing updated terms on the website. Changes apply from the date they are published.

Governing law

These terms are governed by New Zealand law, and the courts of New Zealand have non-exclusive jurisdiction.

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