Terms of Service

1. Acceptance of Terms

By accessing and using LivestockFinance.co.nz ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Service Description

LivestockFinance.co.nz provides:

• Comparison of livestock finance options from multiple lenders
• Application matching and referral services
• Educational content and resources about livestock finance
• Tools and calculators for estimating finance costs

We are a comparison and referral service. We do not provide financial advice, and we are not a lender.

3. Not Financial Advice

The information provided on this website is general in nature and does not constitute financial, legal, or professional advice. You should seek independent professional advice before making any financial decisions. We do not recommend any specific lender or product.

4. User Responsibilities

When using our Service, you agree to:

• Provide accurate and complete information
• Maintain the confidentiality of any account credentials
• Not use the Service for any unlawful purpose
• Not attempt to interfere with the proper functioning of the Service
• Not submit false or misleading information

5. Referral Fees and Commissions

We may receive referral fees or commissions from lenders when you proceed with a finance facility. This does not affect the rates or terms offered to you by lenders. Our service remains free for users.

6. No Guarantee of Approval

Submitting an application through our Service does not guarantee approval for finance. All lending decisions are made by the respective lenders based on their own criteria. We do not control lender decisions, rates, or terms.

7. Information Accuracy

While we strive to provide accurate and up-to-date information, rates, fees, and lender terms may change. We do not guarantee the accuracy or completeness of any information on the Service. Always verify details directly with lenders.

8. Limitation of Liability

To the fullest extent permitted by law, LivestockFinance.co.nz and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service, including but not limited to:

• Errors or inaccuracies in content
• Lender decisions or actions
• Loss of data or business interruption
• Financial losses resulting from decisions made using the Service

9. Intellectual Property

All content on LivestockFinance.co.nz, including text, graphics, logos, and software, is the property of LivestockFinance.co.nz or its content suppliers and is protected by copyright and intellectual property laws.

10. Third-Party Links

Our Service may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these websites. Use of third-party websites is at your own risk.

11. Termination

We reserve the right to terminate or suspend access to the Service at our sole discretion, without notice, for any reason, including breach of these Terms.

12. Changes to Terms

We may modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the modified Terms. We will indicate the date of the last update at the top of this page.

13. Governing Law

These Terms are governed by the laws of New Zealand. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the New Zealand courts.

14. Contact Information

If you have questions about these Terms of Service, please contact us: