Terms and conditions

This website is owned and operated by MatchMe Money Limited under the domain name www.matchmemoney.co.nz.

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 MatchMe Money Limited 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 MatchMe Money Limited website.

The MatchMe Money Limited 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 MatchMe Money Limited website and its associated products, services, and online resources constitutes your agreement to all such terms, conditions, and notices.

Our service and financial advice

MatchMe Money Limited (FSP1007463) holds a full licence issued by the Financial Markets Authority to provide a financial advice service. We are not a lender: the lender makes the lending decision and sets the loan terms.

Our financial advice is given by our financial adviser, Philip Stuart Manning (FSP1013362). We advise only on personal and property lending. We also help businesses apply for business lending; that isn't financial advice under our licence. We do not advise on insurance, investments, KiwiSaver, tax or legal structures.

Our Money Matchmakers are not financial advisers. They don't give opinions or recommendations about which lender or loan suits you. They collect your information, explain our process and each lender's criteria, and submit your application to the lender set by our lender-selection rules. If your situation needs judgement, or you ask which is best for you, a financial adviser on our team will help.

When we arrange a loan without advice. For some lenders, our Money Matchmakers help you apply on the lender's behalf, to help the lender meet its responsible lending duties. That isn't financial advice. When this applies, we'll tell you in writing before you apply.

Our Financial Advice Disclosure sets out who gives our advice, what we advise on, how we're paid, our conflicts of interest and how we manage them, our duties to you, and how to make a complaint.

How we're paid, fees, rates and terms

How we're paid. Depending on the finance partner and how your loan is structured, MatchMe Money Limited may receive a commission from the lender, charge a brokerage fee (usually added to your loan), or both. We'll tell you what applies to you before we recommend a loan and before you sign your loan agreement. Any fee will also be shown in your loan contract.

Our brokerage fee is up to 10% of the amount borrowed, capped at $2,500. Some lenders set a lower cap (for example Unity: 10%, capped at $1,000). The fee is added to your loan. The lender also charges an establishment fee of up to $500 (typically around $200), and its other fees are shown in your loan contract.

If insurance is arranged with your loan, we receive up to 50% of the premium as commission.

The Annual Interest Rate (AIR) for Personal Loans is variable, ranging from 8.5% (secured) and 12.95% (unsecured) to 29.95% p.a. with loan terms from 12 months (secured and unsecured) to 60 months (unsecured) and 84 months (secured). Your actual rate depends on your circumstances, loan type, security provided, and an individual credit assessment.

Use of the Website

The use of this website is subject to the following terms of use:

Personal, Non-Commercial Use

The content of the pages of this website is for your general information and only for your personal, non-commercial use.

Changes to Website

MatchMe Money Limited may make changes to the website and its associated products, services, and online resources without notice.

Cookies and Tracking

Our website and online application forms use cookies, web beacons and similar technologies to provide functionality, remember your preferences, analyse traffic and deliver targeted advertising. We use first-party and third-party analytics and advertising tools, including Google Analytics, Google Ads, Microsoft Advertising, the Meta pixel, and our own form analytics. Our Privacy Policy explains what these tools are told, how long the data is kept, and how to opt out. You can manage your Google advertising preferences at adssettings.google.com.

No Warranties

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. This does not limit our duties to you when we give you financial advice (see our Financial Advice Disclosure).

Risk and Liability

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, except where we give you financial advice about them.

Interruption of Service

You agree not to interrupt or attempt to interrupt the operation of this website.

Intellectual Property

This website contains material which is owned by or licensed to MatchMe Money Limited, 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, MatchMe Money Limited are acknowledged on the website. Nothing in these Terms constitutes a transfer or licence of any of MatchMe Money Limited's intellectual property rights, including any rights in the information, material, or content displayed or available on the MatchMe Money Limited website.

Unauthorised Use

Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.

Links to Third-Party Websites

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 MatchMe Money Limited 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.

Governing Law

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.

Declarations for Finance Application

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 MatchMe Money Limited 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 MatchMe Money Limited 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 a MatchMe Money Limited 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 MatchMe Money Limited for any of these purposes during and after the process of applying for finance.
5. Understand that if MatchMe Money Limited 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 MatchMe Money Limited 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 MatchMe Money Limited's Finance Partners (including their addresses and links to their privacy policies) is set out in our Privacy Policy.
7. Agree that MatchMe Money Limited 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 MatchMe Money Limited in consequence of this application. Your solicitor/agent is authorised to accept any notification on your behalf.
9. Agree that MatchMe Money Limited 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 MatchMe Money Limited may share your email address and other contact details with marketing and analytics platforms, including Google, Microsoft Advertising and Meta, as described in our Privacy Policy, 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 .
11. Acknowledge and consent to your personal information being disclosed to overseas recipients, including service providers and platforms located in Australia, the United States, the European Union, 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 MatchMe Money Limited 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.

Acknowledgements about your Finance Partner

You also acknowledge that if the MatchMe Money Limited 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 MatchMe Money Limited 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 MatchMe Money Limited Finance Partner to assist in enforcement of any agreement between you and them.
5. May request that the MatchMe Money Limited Finance Partner, or any related MatchMe Money Limited Finance Partner, send you details of other products and services from time to time.

Provision of Additional Services

You authorise the MatchMe Money Limited 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 MatchMe Money Limited Finance Partner to use your personal information for merchandising, market research, and offering additional services, including newsletters from MatchMe Money Limited 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.

Data Retention

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.
• Advertising click identifiers kept with your application — for the same period as your credit application data.
• Form-analytics data — 30 days.

Your Rights

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.

Contact Us

If you have any questions about these Terms and Conditions or wish to exercise any of your rights, please contact us:

Email:
Phone: 0800 696 282

Complaints about our financial advice service: email or call 0800 696 282. If we cannot resolve your complaint, you can refer it free of charge to our independent dispute resolution scheme: www.ifso.nz or 0800 888 202. We are a member of the Insurance & Financial Services Ombudsman Scheme (IFSO Scheme), membership number 5007682. ifso.nz.

Policy Review

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.