Important

Jack Media Finance Pty Limited operates the website Carloanexperts.co.nz (“website”). We have taken every effort to design our website to be useful, informative, helpful, honest and fun. Hopefully we have accomplished that - and would ask that you let us know if you would like to see improvements or changes that would make it even easier for you to find the information you need and want.

All we ask is that you agree to abide by the following Terms & Conditions. Take a few minutes to look them over because by using our site you automatically agree to them. Naturally, if you do not agree, please do not use the website. We reserve the right to make any modifications that we deem necessary at any time. Please continue to check these terms to see what those changes may be! Your continued use of the Jack Media Finance Pty Ltd websites means that you accept those changes.

To make an enquiry, please email complaints@jackfinance.com.au 

Use of Website

We grant you a non-exclusive, non-transferable licence to use the website and services in accordance with these Terms & Conditions. The website may contain links to other websites and may from time to time contain content added by third parties. We do not endorse, sponsor or approve any such content or any content available on any linked website. We expressly disclaim all liability for any content transmitted or posted on the website including your reliance on such content.

Information

You acknowledge that the information provided on the website is general in nature and does not constitute financial advice. We do not guarantee the accuracy of information on the website, including information provided by advertisers or third parties at any particular time.

By continuing to browse the website and submit an enquiry, you expressly acknowledge that you will not rely on the content of the website to make a financial or investment decision. Before making any decision, you must seek professional advice to take into account your particular investment objectives, financial situation and needs. You agree and acknowledge that you accept sole responsibility associated with the use of the information and material on the website and the information on the website is no substitute for financial advice.

Disclaimer

We do not recommend specific financial products, services or financial providers. After submitting an enquiry on the website, you will be contacted by phone, email or both by a registered financial services provider in relation to your enquiry. The decision to engage the provider of financial products is solely at your discretion.

While we will endeavour provide general information about a wide range of financial products and financial service providers, we do not and cannot cover every product, provider or service available in the market so there may be other (and more suitable) options available to you.

If you decide to apply for a product or service through the website, you will be dealing directly with the provider of that product or service and not with us. We endeavour to ensure that the information on the website is current and accurate but you should confirm any information with the financial product or service provider and carefully read the information they provide to you. If you are unsure you should get independent advice before you apply for any product or commit to any plan.

The website provides factual information and does not constitute financial advice, legal advice or taxation advice. We recommend that you engage the services of a suitably qualified professional before making a decision to use a financial product or service.

Limitation of Liability

By using the website, you acknowledge that you will be responsible for and will indemnify Jack Media Finance Pty Limited against liability for all loss, damage or injury to persons or property caused by you, or your employees or agents, and the amount of all claims, damages, costs and expenses which may be paid, suffered or incurred by us in respect of any such loss, damage or injury will be made good at your expense.

We shall not be liable to you in respect of any losses suffered or incurred by you arising out of or in connection with the provision of any financial products or financial services obtained through the, including but not limited to, reliance on the information or content on the website.

You shall be liable for all loss, damage or injury to any party or parties (including us) resulting from your negligent acts or omissions through your use of the services and shall indemnify and keep us indemnified against any claim or claims made against us.

Assumption of Risk

You agree and understand that you assume all risks when using the website, including without limitation any and all of the risks associated with any online or offline interactions with third party providers of financial products or services introduced to you through the website.

You agree to indemnify, and continually indemnify Jack Media Finance Pty Limited in relation to all claims, actions, liabilities, costs, losses and expenses (including legal costs on a full indemnity basis) that we incur as a result of your use of the website, services, and/or from your failure to comply with these terms and conditions.

Dealing with Third Parties

When you submit your information on the website, you agree that your enquiry will be passed to a third party who will contact you to offer financial products or services. Your correspondence or business dealings with, or participation in promotions of such third parties found on or through the website, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such third parties. Jack Media Finance Pty Limited is not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings between you and third parties.

Termination of This Agreement

The Terms & Conditions will continue in force until such time that they are varied or replaced, but Jack Media Finance Pty Limited may terminate these Terms & Conditions or the website at any time and without prior notice.

We may suspend or terminate any user from using the website without notice.

We reserve the right to change or discontinue any service or feature on the website in whole or in part at any time in our sole discretion.

General

These terms prevail in the event that anything in, or associated with, the website is inconsistent with these Terms & Conditions.

If a provision of these Terms & Conditions is invalid or unenforceable it is to be read down or severed to the extent necessary without affecting the validity or enforceability of the remaining provisions.

These Terms & Conditions and any contract to which they apply shall be governed by the laws of New South Wales and are subject to the jurisdiction of the courts of New South Wales.

Jack Media Finance Pty Limited shall be under no liability whatsoever to you for any direct or indirect losses and/or expense (including loss of profit) suffered by you arising out of a breach by us of these Terms & Conditions, including our negligence.

The failure by Jack Media Pty Limited to enforce any provision of these Terms & Conditions shall not be treated as a waiver of that provision, nor shall it affect our right to subsequently enforce that provision.

We may amend or vary these Terms & Conditions at our sole discretion by giving notice on the website. The varied Terms & Conditions are to take effect immediately upon notice being given. Your continued use of the Website after any variation of these Terms & Conditions will be deemed to constitute your acceptance of the varied Terms. If you do not accept these or the varied Terms & Conditions, please discontinue your use of the website.