Terms of Use

Last updated: January 15, 2026

1. Agreement to Terms

These Terms of Use ("Terms") govern your access to and use of the Mortgage Calculator NZ website (mortgagecalculator.nz) and all associated services, tools, and content (collectively, the "Website"). By accessing the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations.

2. Use License

Mortgage Calculator NZ grants you a limited, non-exclusive, revocable license to access and use the Website for personal, non-commercial purposes only. You agree not to:

• Modify, copy, or distribute any content without permission
• Use the Website for any unlawful purpose or in violation of any laws
• Attempt to gain unauthorized access to the Website or its systems
• Use the Website to transmit harmful code, malware, or viruses
• Engage in any form of harassment, abuse, or threatening behaviour
• Scrape, crawl, or automate access to the Website without permission
• Reverse engineer, decompile, or disassemble any software or code
• Interfere with or disrupt the functionality of the Website

3. Intellectual Property Rights

All content on the Website, including text, graphics, logos, images, calculator tools, and software, is the property of Mortgage Calculator NZ or its content suppliers and is protected by international copyright, trademark, and other intellectual property laws.

You may view and print content from the Website for your personal use only. You may not:

• Reproduce, republish, or distribute content without permission
• Use the Website's content commercially or for profit
• Remove or alter any copyright, trademark, or proprietary notices
• Create derivative works based on our content or tools

The calculator tools are provided "as is" for personal use. Any reproduction or use of the calculator code requires written permission from Mortgage Calculator NZ.

4. Disclaimer of Warranties

Mortgage Calculator NZ disclaims all warranties, including but not limited to:

• Merchantability, fitness for a particular purpose, or non-infringement
• Accuracy, completeness, or reliability of content and calculations
• Uninterrupted or error-free operation
• Freedom from viruses or harmful components

You use the Website entirely at your own risk. We do not warrant that:

• The Website will meet your specific requirements
• The Website will be uninterrupted, timely, or secure
• Calculator results will be accurate or applicable to your situation
• Errors or defects will be corrected

5. Limitation of Liability

To the maximum extent permitted by law, Mortgage Calculator NZ shall not be liable for:

• Any direct, indirect, incidental, special, or consequential damages
• Loss of profits, revenue, data, or business opportunities
• Personal injury or emotional distress
• Third-party claims or actions
• Any damages arising from your use of or inability to use the Website
• Errors, inaccuracies, or omissions in content
• Interruption, delay, or failure of the Website

This limitation applies even if Mortgage Calculator NZ has been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion of implied warranties or limitation of liability, so these limitations may not apply to you.

6. Third-Party Links

The Website may contain links to third-party websites, including banks, brokers, and other financial institutions. These links are provided for convenience only. Mortgage Calculator NZ does not:

• Endorse or warrant third-party content
• Take responsibility for third-party websites or services
• Control or have input on third-party privacy policies or terms

Your use of third-party websites is at your own risk and subject to their terms and conditions. We recommend reviewing their policies before providing personal information.

7. User Submissions

Any information you submit through lead capture forms, contact forms, or other submission tools ("User Submissions") is subject to our Privacy Policy. By submitting information:

• You warrant that you have the right to provide the information
• You grant us permission to use, store, and share the information as described in the Privacy Policy
• You acknowledge that the information is not confidential unless otherwise stated
• You assume all liability for your submissions

8. Indemnification

You agree to indemnify, defend, and hold harmless Mortgage Calculator NZ and its officers, directors, employees, agents, and successors from any claims, damages, losses, liabilities, or expenses (including legal fees) arising from:

• Your use of the Website
• Your violation of these Terms
• Your violation of any law or third-party rights
• Your User Submissions
• Any actions taken based on information or calculations from the Website

9. Modification of Terms

Mortgage Calculator NZ reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website following changes constitutes acceptance of the revised Terms. It is your responsibility to review these Terms periodically for updates.

10. Website Availability

We strive to maintain Website availability, but we do not guarantee uninterrupted service. Mortgage Calculator NZ reserves the right to:

• Suspend or discontinue the Website or any feature
• Perform maintenance or upgrades without notice
• Restrict access for security or operational reasons
• Remove or modify content at our discretion

11. Acceptable Use

You agree to use the Website in a responsible and lawful manner. You will not:

• Use the Website for any illegal purpose or in violation of applicable laws
• Post or transmit offensive, abusive, defamatory, or obscene content
• Impersonate another person or entity
• Collect or harvest personal information from other users without consent
• Use the Website to promote unsolicited products or services
• Attempt to disrupt or interfere with Website functionality

Violation of these acceptable use terms may result in termination of your access to the Website.

12. Termination

Mortgage Calculator NZ may terminate or suspend your access to the Website at any time, with or without cause, and without notice or liability. Termination may result from:

• Violation of these Terms
• Illegal or harmful activity
• Abuse of the Website or other users
• Technical reasons or maintenance

Upon termination, your right to use the Website immediately ceases. Sections 4, 5, 8, and any other provisions that by their nature should survive termination will continue to apply.

13. Jurisdiction and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of New Zealand, without regard to conflict of law principles. You agree that:

• Any dispute arising from these Terms or your use of the Website shall be resolved under New Zealand law
• The exclusive jurisdiction shall be the District Court or High Court of New Zealand
• You waive any objection to jurisdiction or venue in these courts
• You consent to personal jurisdiction and service of process in New Zealand

14. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be severed, and the remaining provisions shall remain in full force and effect. The invalidity of one provision does not affect the validity of others.

15. Entire Agreement

These Terms, together with the Privacy Policy and Affiliate Disclosure, constitute the entire agreement between you and Mortgage Calculator NZ regarding your use of the Website and supersede all prior negotiations, understandings, and agreements, whether written or oral.

16. Contact Us

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

• Email: nzmortgagecalculator@gmail.com
• Website: www.mortgagecalculator.nz

17. Use Our Mortgage Tools

Access our free mortgage calculators to plan your home loan:

• Mortgage Repayment Calculator - Calculate your payments
• Borrowing Capacity Calculator - How much can you afford?
• Rate Comparison Tool - Compare NZ bank rates
• Refinance Savings Calculator - Is refinancing worth it?
• Break Fee Estimator - Calculate early exit costs