This website is owned and operated by MatchMe Money Limited (MMML) under the domain name www.matchmemoney.co.nz.
Last updated: April 2026 | Effective: 1 May 2026 | Next review: 1 July 2027
These Terms and Conditions govern your use of the MatchMe Money website and your finance application. They should be read together with our Privacy Policy and Financial Advice Disclosure.
By accessing or using the MMML website, you accept these Terms and Conditions, the Privacy Policy, notices, and any other rules of use contained on this website, including any changes made to them from time to time. You should review these documents carefully and check periodically for any updates. If you do not agree with these Terms and Conditions, the Privacy Policy, notices, and/or any other rules, you are not authorised to use the MMML website.
The MMML website offers access to a collection of products, services, and online resources, conditional upon your acceptance without modification of the terms, conditions, and notices. Your use of the MMML website and its associated products, services, and online resources constitutes your agreement to all such terms, conditions, and notices.
The use of this website is subject to the following terms of use:
The content of the pages of this website is for your general information and only for your personal, non-commercial use.
MMML may make changes to the website and its associated products, services, and online resources without notice.
This website uses cookies to monitor browsing preferences. MMML uses cookies to monitor and track usage on our website using Google Analytics and other analytics services. We also use cookies and similar technologies for advertising purposes, including remarketing and audience targeting through platforms such as Google Ads. For an overview of Google Analytics privacy, please visit Google Analytics Privacy. To opt out of being tracked by Google Analytics, you can use their opt-out tool. You can manage your Google advertising preferences at adssettings.google.com.
Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness, or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors, and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your responsibility to ensure that any products, services, or information available through this website meet your specific requirements.
You agree not to interrupt or attempt to interrupt the operation of this website.
This website contains material which is owned by or licensed to MMML, including the design, layout, look, appearance, graphics, text, and trademarks. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these Terms and Conditions. All trademarks reproduced in this website that are not the property of, or licensed to, MMML are acknowledged on the website. Nothing in these Terms constitutes a transfer or licence of any of MMML's intellectual property rights, including any rights in the information, material, or content displayed or available on the MMML website.
Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
From time to time, this website may include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the linked websites. We have no responsibility for the content of the linked websites. Where you access a third-party website from the MMML website, information about your preferences or other information you have provided may be shared between us and the third party. These websites should contain their own privacy statements/policies and are responsible for their own privacy practices.
The use of this website and these Terms and Conditions are governed by the laws of New Zealand, and any disputes arising out of the same shall be resolved by the exclusive jurisdiction of the courts of New Zealand.
By submitting a finance application through our website, you:
1. Declare that the information provided in your finance application is true and correct and that you are over the age of 18 years and are not an undischarged bankrupt.
2. Give permission to MMML to verify any information that you provide (or information that we may collect from other sources) with third parties and third-party databases, including Government agencies, for purposes related to your application for credit or administering your account with us, including for fraud prevention and complying with the Anti-Money Laundering and Countering Financing of Terrorism Act 2009.
3. Appoint MMML as your agent to collect, use, and disclose your personal information for carrying out credit checks with a credit reporting agency for the purpose of making a recommendation for a credit facility to an MMML Finance Partner. This includes providing your information to the credit reporting agency and receiving information about you from the credit reporting agency.
4. Authorise any third party to provide your personal information to MMML for any of these purposes during and after the process of applying for finance.
5. Understand that if MMML discloses your personal information to a credit reporting agency, they may hold your information on their credit reporting database and use it for providing credit reporting services and for any other lawful purpose. They may also disclose your information to their subscribers for the purpose of credit checking or debt collection or for any other lawful purpose.
6. Agree that the MMML Finance Partner may, in accordance with their privacy policy, collect personal, financial, and commercial information and references about you as is necessary for considering this application and may produce this authority to such parties for the purposes of collecting such information. A list of MMML's Finance Partners (including their addresses and links to their privacy policies) is set out in our Privacy Policy.
7. Agree that MMML may communicate with you via mail, email, telephone, SMS, or app for all purposes, including general communications and promotions. You consent to documents required by law being sent by mail or electronic format.
8. Agree to meet the cost of an independent valuation of the security to support this application, such valuation to be obtained by MMML in consequence of this application. Your solicitor/agent is authorised to accept any notification on your behalf.
9. Agree that MMML is authorised to disclose your personal and financial information to disclosed referral partners for the purpose of providing additional products and services.
10. Agree that MMML may share your email address and other contact details with marketing and analytics platforms, including but not limited to Google, for the purposes of remarketing, customer communications, service improvement, targeted advertising, and creating audiences to reach potential customers. You may opt out of marketing communications at any time by using the unsubscribe link in our emails, adjusting your preferences at adssettings.google.com, or by contacting us at privacy@matchmemoney.co.nz.
11. Acknowledge and consent to your personal information being disclosed to overseas recipients, including service providers and platforms located in Australia, the United States, and other jurisdictions where our partners and service providers operate. You expressly consent to such disclosures and acknowledge that your information may not receive the same protections as provided under New Zealand's Privacy Act 2020 when transferred to jurisdictions without equivalent privacy laws.
12. Acknowledge that where MMML collects your personal information from third-party sources (such as credit reporting agencies, referral partners, or publicly available sources), we will take reasonable steps to notify you of such collection, the purpose of collection, the source, and your rights, in accordance with Information Privacy Principle 3A of the Privacy Act 2020.
You also acknowledge that if the MMML Finance Partner provides this finance, they:
1. Will retain your personal information for the period required by law, including under the Credit Contracts and Consumer Finance Act 2003 and the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (generally at least seven years after the end of the credit facility).
2. May provide MMML with information regarding the finance facility during and after the repayment of all credit provided, along with updated personal and financial information.
3. May collect and monitor personal information about you as is necessary for the administration and protection of such credit.
4. May provide any of the personal information to a third party employed by the MMML Finance Partner to assist in enforcement of any agreement between you and them.
5. May request that the MMML Finance Partner, or any related MMML Finance Partner, send you details of other products and services from time to time.
You authorise the MMML Finance Partner to disclose personal information about you to a credit agency for the purposes of compiling a credit report and creating a credit profile. Further, you authorise the MMML Finance Partner to use your personal information for merchandising, market research, and offering additional services, including newsletters from MMML or the offer of additional credit facilities.
The information that may be disclosed includes: name, address, telephone number, loan amount of any facility, any debits made, frequency and amounts of payments made, including details of overdue payments. You understand that you have the right to access and request correction of your personal information held by the credit reporting agency.
We retain your personal information for the following periods:
• Credit application data — at least seven years from the date of application or completion of the credit facility, whichever is later, to comply with regulatory requirements.
• AML/CFT records — at least seven years from the end of the business relationship or completion of the relevant transaction, as required under the AML/CFT Act 2009.
• Marketing data — until you opt out of marketing communications or request deletion, unless we are required to retain it for legal purposes.
• Website analytics data — 26 months in accordance with our analytics provider settings.
Under the Privacy Act 2020, you have the right to:
1. Access the personal information we hold about you;
2. Request correction of any inaccurate or incomplete information;
3. Opt out of marketing communications at any time;
4. Request information about how your data has been used or disclosed;
5. Make a complaint to the Privacy Commissioner if you believe your privacy has been interfered with.
If you have any questions about these Terms and Conditions or wish to exercise any of your rights, please contact us:
Email: privacy@matchmemoney.co.nz
Phone: 0800 69 62 82
These Terms and Conditions are reviewed annually on 1 July. We may update these Terms from time to time to reflect changes in legal requirements or our business practices. Material changes will be communicated through our website. These Terms and Conditions are governed by New Zealand law, with authority over disputes resting in New Zealand courts.