By ticking this box you agreed to be bound by the terms and conditions set out below.
References in these terms and conditions to “we", “us” and “our” means Freehold Express Limited, its employees, and any Financial Adviser providing advice under Freehold Express Limited’s license to provide regulated financial advice issued by the Financial Markets Authority (FMA).
We may change our terms and conditions by publishing an updated version on this page, to reflect changes in the law and our business needs so long as the changes do not disadvantage you. By continuing to engage us or use our website you will be deemed to have accepted the updated terms and conditions.
The use of this website and online forms is conditional to these Terms & Conditions.
Company Policies
Meeting our initial qualifying criteria does not necessarily mean that Freehold Express can actually help you. Freehold Express will review the data that you enter in the online form (Step Two) to determine if a free Mortgage Analysis can or should be produced.
At its sole discretion, Freehold Express will determine the suitability of a prospective client. Freehold Express will advise the prospective client of its decision concerning Freehold Express’s ability to help or not.
Informational Only
The content on the Website, including any calculators or other tools is for information
purposes only. All content is of a general nature only and does not constitute personalised
financial advice or other professional advice.
Exclusive License Client Rights
Your client rights are exclusive to you and your financial circumstances. You
may not share or allow any third party any client rights, online tools, Freehold
Express intellectual property or confidential information.
With respect to the free mortgage analysis and Freehold Express Plan, you understand and agree that any reference to maintaining your existing lifestyle, is a direct reference to receiving and maintaining the income and expenditure that you enter and submit in the free mortgage analysis. You are solely responsible for ensuring the information in your mortgage analysis is correct because the Freehold Express plan relies upon the information that you provide. You understand that you can review and correct the data in your free mortgage analysis when you receive it. You understand that Freehold Express Limited accepts no liability or responsibility if you have entered information incorrectly.
Client use of Freehold Express online tools and support is limited to the
borrowings shown in the Mortgage Analysis at the time of purchase.
Lawful Purposes Only
You may use the Website for lawful purposes only. You shall not use the Website
in such a manner that it may disrupt the use of any other person. You may not use
any technology of techniques designed to circumvent user authentication/authorization
or any other security measure. Copyright in all information on this site, unless
otherwise indicated, is owned by Freehold Express. The information provided by the
Website to you may be proprietary in nature. You represent and warrant to us that
you are not and shall not be a competitor of Freehold Express and agree not to share
our confidential information with any competitors. In some cases, Freehold Express
has procured a license to use certain content, images or video on the Website. Rights
in this content remain the property of their original owner. You shall not use any
technology or techniques including but not limited to screen scraping designed to
collect information, in bulk form, from the Website.
Links to Other Sites
From time to time the Website may link to other 3rd party websites. These links
may be in the form of a clickable hyperlink or other approaches that include 3rd
party content in pages on the Website. Freehold Express takes no responsibility
for any information contained in these 3rd party websites. The content, accuracy
and opinions expressed in such websites are not necessarily checked, monitored or
endorsed by Freehold Express. Linking to a third party website does not indicate
any endorsement of that website, its content or any associated organizations.
Privacy Act 2020
Freehold Express Ltd is an agency for the purposes of the Privacy Act 2020. All personal information
that you supply to Freehold Express will be treated in accordance with that Act. In
the course of providing you with our products and services, we may collect personal
information from you. We will collect, hold and use your personal information in
accordance with our privacy policy. You have the right to ask to see information
that Freehold Express holds about you and if you believe that the information is
incorrect to ask that we correct it. To request information about yourself please
contact us.
Partner Offers
From time to time we may make available offers from selected partners. We make no
representations or warranties concerning these Partner Offers and you agree that
we are not responsible or liable for any loss or damage of any sort incurred, or
as the result of the delivery or display of the Offers. We are not responsible for
the terms and conditions of Partner offers nor are we responsible for delivery of
the goods or services. We make a good faith effort to screen all Partner Offers
to provide the best experience for our members however we are not responsible for
dealings between you and a partner organization. You are responsible for and must
carefully read and assess the terms of any partner in light of your particular individual
circumstances.
Signing Documents Online
Freehold Express documents can be signed online from our website and its landing pages. Website users agree that by typing their name in their signature field, they have signed the document and agree to the terms of the document. Do not sign or submit a document if you don’t agree to the terms in the document.
User Submitted Content
You are solely responsible for any content and other material that you submit, publish,
display or link to the Website. This includes any files or images that you might
upload. You may not post, distribute, or reproduce in any way any copyrighted material,
trademarks, or other proprietary information on the Site. You are responsible for
ensuring that any content that you post is in compliance with all local laws and
regulations. You agree to indemnify us from any claims that may arise as a result
of content that you have posted. You agree that by posting any content or other
material to the site you grant us an irrevocable, royalty-free, worldwide, perpetual
license to use that content. We are under no obligation to publish content that
you may provide us and reserve the sole right to determine if and when content is
posted and removed. Unsolicited Electronic Messages Act 2007 The Unsolicited Electronic
Messages Act 2007 aims to stem the flow of unsolicited commercial electronic messages.
When Freehold Express sends you messages about our products, services or promotions
it is because we believe you have provided either express or inferred consent for
us to send these emails. Freehold Express would like to continue to keep in contact
with you, however, should you not want to receive these messages, you should use
our contact us form to let us know.
Limitation of Liability
If you are dissatisfied with the Website, with any content on the website or with
these terms and conditions then your sole and exclusive remedy is to discontinue
using the Website. Except insofar as any liability under statute cannot be excluded,
none of Freehold Express, any of its employees and agents, or any other party accepts
any responsibility or liability for any direct or indirect loss or damage that may
result from any errors or omissions on the Website, reliance on information on the
Website, or access to, the use of, or inability to use, the Website. If, notwithstanding
the clause above, a court of competent jurisdiction holds us (or any of our officers,
employees or agents) liable in respect of any matter arising out of or incidental
to your use of the Website or these terms and conditions, whether that liability
arose in tort (including negligence), contract, equity or on any other basis, the
total aggregate liability will be limited to NZ$1.00.
Breach
Any breach of these terms and conditions will result in immediate termination of the
website and online services. Freehold Express reserves its right to pursue available
legal remedies for any loss of profits or consequential damages and losses suffered
from any breach of these or any other terms, conditions and agreements between the
parties.
Governing Law
These terms and conditions are governed and construed in accordance with New Zealand
law and when accessing this website you accept the exclusive jurisdiction of the
New Zealand courts.