1. Introduction and Acceptance
Welcome to Finance and Beyond Limited. By accessing our website or utilizing our financial advice and mortgage advisory services in New Zealand, you agree to comply with these Terms and Conditions ("Terms"). These Terms are governed by New Zealand law.
2. Financial Advice & Regulatory Scope
Finance and Beyond Limited (FSP1010707) provides mortgage advisory and financial advice under the Financial Advice Provider (FAP) licence held by Finsure NZ Ltd. (FSP1005389). Financial Adviser Farook Ketan (FSP1008737) provides regulated financial advice on behalf of the company.
Website content provides general information only and does not constitute personalized financial, accounting, legal, or tax advice. Mortgage pre-approvals and loan approvals remain subject to lender credit criteria, valuation, servicing checks, and written confirmation.
3. Statutory Consumer Rights
Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred by the Fair Trading Act 1986 or the Consumer Guarantees Act 1993, except where lawfully permitted.
4. Intellectual Property
All trademarks, branding, copy, calculators, and design elements on this website are the intellectual property of Finance and Beyond Limited or its licensors. Unauthorized duplication or commercial reproduction is prohibited.
5. Privacy & Information Handling
Personal information collected through our site or financial advisory services is managed in accordance with our Privacy Policy and the New Zealand Privacy Act 2020.
6. Governing Law & Jurisdiction
These Terms are governed by and construed in accordance with the laws of New Zealand. Users irrevocably submit to the non-exclusive jurisdiction of the Courts of New Zealand.
7. Contact Details
