Website Terms of Use

Pathway Mortgages

Introduction

Pathway Mortgages (referred to as “we”, “our”, or “us”) operates this website (https://pathwaymortgages.co.nz) for informational purposes. By accessing and using this website, you agree to comply with the following terms and conditions (Terms). Please review these Terms carefully. If you do not agree to these Terms, you must refrain from using this website.

Scope of Use

This website is intended for use by individuals residing in New Zealand. If you are not located in New Zealand, you should not use this website.

We reserve the right to modify these Terms at any time without prior notice. Please review these Terms regularly for updates. Your continued use of this website constitutes acceptance of any modifications.

Use of the Website

You are responsible for all activities conducted when accessing and using this website. You must not engage in any activities that violate applicable laws, infringe upon third-party rights, or contravene any standards or codes established by relevant authorities.

You must not distribute inappropriate content or malicious code via this website. Additionally, you must not attempt to bypass security measures, interfere with the website’s operation, or make unauthorized modifications.

Certain sections of this website may have specific usage terms (Other Terms) applicable to particular users. In case of any inconsistencies between these Terms and Other Terms, the latter shall prevail.

Disclaimers

We do not guarantee uninterrupted access to this website or error-free services and features. We reserve the right to modify or discontinue any aspect of this website at any time without prior notice.

While we strive to maintain accurate and up-to-date information on this website, we do not warrant the accuracy, currency, or completeness of the content. Your use of this website is at your own risk. Before relying on any information provided on this website, verify its accuracy and relevance.

To the extent permitted by law, we exclude all warranties and conditions relating to this website, its content, and its use. Our liability for breach of any implied warranties or conditions is limited to re-supplying the relevant services or content, or the cost of re-supplying them.

Third Party Content

This website may contain links to third-party websites and materials. We do not endorse or control Third Party Materials and assume no responsibility for their accuracy or reliability.

We aggregate Third Party Materials for user convenience, but we do not guarantee the quality or accuracy of the results. We disclaim any liability arising from your reliance on the results or recommendations generated by this website.

Limitation of Liability

We exclude all liability for any loss or damage arising from your use or reliance on this website or its content. This includes direct, indirect, consequential, or incidental losses, such as loss of data, profits, reputation, or business opportunities.

Security

While we take reasonable measures to safeguard transmitted information, we cannot guarantee the security of data transmitted through this website. You transmit information at your own risk and must take precautions to protect your systems from viruses or other forms of interference.

Financial products and financial services

We do not offer to supply any financial products or financial services on the Website. We may pass on the information (including personal information) that you supply on the Website to relevant participating finance brokers if you choose to do so on the Website. You are then responsible for dealing with the relevant participating finance brokers in applying for relevant financial products.

Intellectual Property

All intellectual property rights in the materials on this website belong to Pathway Mortgages unless otherwise indicated. You may only reproduce and download materials for personal, non-commercial use with proper attribution. Unauthorized use of materials is prohibited.

Privacy

We collect, use, and disclose personal information in accordance with the Privacy Act 2020 and our Privacy Policy. By using this website, you consent to the collection, use, and disclosure of your personal information as described in these Terms and our Privacy Policy.

For further details on our privacy practices, please refer to our Privacy Policy.

General

If any provision of these Terms is deemed invalid or unenforceable, it will be severed from the Terms without affecting the validity of remaining provisions.

These Terms are governed by the laws of New Zealand.