Terms of Use

Website Terms of Use

These Terms of Use govern your access to and use of the Zurix website and any related online services, portals, forms, or content made available through it.

By accessing or using this website, you agree to be bound by these Terms of Use together with our Privacy Policy and any other policies referred to on this website. If you do not agree to these Terms of Use, you must stop using the website.

In these Terms of Use, Zurix, we, our, and us means Zurix Limited.
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Business Lending Only -
No Financial Advice

The information on this website is provided for general information purposes only.

Zurix does not provide financial advice, investment advice, legal advice, or tax advice through this website or otherwise.

Nothing on this website should be interpreted as a recommendation, opinion, or advice about any financial product, financing arrangement, investment, or financial strategy.

Zurix provides commercial lending and financing services to businesses. Our services are generally intended for business borrowers and commercially experienced parties, not for personal, consumer, or household borrowing.

Zurix does not provide consumer lending and does not provide services regulated under the Credit Contracts and Consumer Finance Act 2003.

Any lending or financing referred to on this website is indicative only and subject to:

• eligibility assessment
  
• due diligence
  
• internal credit approval
  
• agreed commercial terms
  
• formal loan documentation.
  

Nothing on this website constitutes:

• an offer of credit to the public
  
• an offer of financial products
  
• a regulated offer under the Financial Markets Conduct Act 2013.
  

Before entering into any lending arrangement, you should obtain independent legal, financial, or professional advice where appropriate.
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Website Content

The content on this website is provided for general informational purposes only.

While Zurix takes reasonable care in preparing website content, we do not guarantee that the information is complete, accurate, current, or suitable for your circumstances.

Information may be updated, changed, or removed at any time without notice.

Any reliance you place on information contained on this website is at your own risk.
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Forward-Looking Statements

This website may include forecasts, projections, estimates, or other forward-looking information.

Such information is inherently uncertain and subject to change.

Past outcomes or examples do not guarantee future results.

Any scenarios, indicative figures, or case studies presented on this website are illustrative only.
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Acceptable Use

You may use this website only for lawful purposes and in accordance with these Terms of Use.

You must not:

• use the website in any unlawful, misleading, fraudulent, or harmful manner
  
• attempt to gain unauthorised access to systems or data connected with the website
  
• introduce viruses, malware, or other harmful code
  
• scrape, crawl, or extract data from the website using automated tools
  
• interfere with the operation or security of the website
  
• use the website in a way that may damage Zurix’s reputation.
  

Zurix may suspend or terminate access to the website if these Terms of Use are breached.
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Information You Provide

If you provide information to Zurix through this website, you confirm that the information provided is accurate, complete, and not misleading.

You must not submit information that:

• infringes another person’s rights
  
• is false or deceptive
  
• contains malicious software.
  

Zurix may rely on information you provide to the extent permitted by law.
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Intellectual Property

Zurix owns or licenses all intellectual property rights in this website and the materials published on it, including text, graphics, logos, branding, and design.

You may view and print material from this website for your own personal or internal business use only.

You must not without written permission:

• reproduce or republish website content
  
• distribute website material for commercial purposes
  
• modify or create derivative works from website content
  
• use Zurix trademarks or branding in a way that implies endorsement.
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Third-Party Links

This website may contain links to third-party websites or resources.

These links are provided for convenience only. Zurix does not control or endorse third-party websites and is not responsible for their content, security, or privacy practices.

Accessing third-party websites is done at your own risk.
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Privacy

Zurix collects and handles personal information in accordance with the Privacy Act 2020 and our Privacy Policy.

By using this website or submitting personal information, you acknowledge that your information may be collected, stored, and used in accordance with that policy.
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Cookies and Website Analytics

This website may use cookies and analytics technologies to improve functionality, security, and user experience.

Cookies allow us to understand how visitors interact with the website and help us improve our services.

You may adjust your browser settings to refuse cookies, although doing so may affect certain website functionality.
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Electronic Communications

Electronic communications sent over the internet may not be secure.

Zurix does not guarantee that electronic communications will be free from interception, delay, or corruption.

Where permitted by law, Zurix may communicate with you electronically regarding enquiries, services, or updates.

Commercial electronic messages will comply with the Unsolicited Electronic Messages Act 2007.
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Security

Zurix takes reasonable steps to maintain the security of this website and associated systems.

However, we do not guarantee that the website will always be available, secure, or free from harmful components.

Zurix is not liable for any loss or damage caused by viruses, cyber events, or other harmful material encountered through use of the website.

Limitation of Liability

To the maximum extent permitted by law, Zurix excludes all warranties, representations, and guarantees relating to this website and its content.

Zurix will not be liable for any direct or indirect loss or damage arising from:

• use of this website
  
• reliance on website information
  
• inability to access the website
  
• errors or interruptions in website services.
  

Nothing in these Terms of Use excludes any rights that cannot be excluded under applicable law.
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Website Availability

Zurix may suspend, withdraw, or change any part of the website at any time without notice.

We are not responsible if the website becomes unavailable for any period.
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Linking to Our Website

You may link to the homepage of this website provided the link is lawful and does not damage Zurix’s reputation or imply endorsement.

You must not frame this website within another site without written permission.

Zurix may withdraw linking permission at any time.
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Changes to These Terms

Zurix may update these Terms of Use at any time by publishing an updated version on this website.

Your continued use of the website constitutes acceptance of any updated Terms.
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Governing Law

These Terms of Use are governed by the laws of New Zealand.

Any disputes relating to these Terms or use of the website will be subject to the non-exclusive jurisdiction of the courts of New Zealand.
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Contact

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

Zurix Limited
Level 1, 11 Alma Street
New Market

Email: hello@zurix.co.nz
Phone: 09 302 0949