Terms & Conditions

The purpose of these Terms & conditions is to explain to a visitor the terms and conditions on which they visit and use this website. Please read these website terms and conditions carefully before continuing to use or browse this web site.  This website is owned and maintained by Max Money Group Limited, trading as Max Loans, Max Mortgages, Max Insurances & Max Businesses.

You must not use this website for any unlawful purpose.



These Terms of Use are to be read in conjunction with Max Money Group Limited Website Privacy Policy. By accessing and using this website you are deemed to have accepted these website terms and conditions and agreed to be bound by them.

Max Money Group Limited reserves the right to change or modify the website terms and conditions at any time, without giving you prior notice. It is therefore your responsibility to check the Terms and Conditions regularly for any changes. Any change will take effect once posted on this website.



I/ We understand that there is no obligation to provide personal information to Max Money Group Limited, but my/our failure to do so may prejudice my/our chances of obtaining finance. I/We hereby declare that:

  • the information provided in my/our finance application is true and correct to the best of my/our knowledge and belief.
  • I/we am/are no less than 18 years of age.
  • I/we am/are not an undischarged bankrupt(s).



To apply for a loan, you authorise us or any of our Product Providers to undertake any credit, verification or other checks required in relation to your application, in addition, you acknowledge and agree to our Underwriter’s Privacy Agreement.

Nothing in this website is to be construed as Max Money Group Limited making any offer to enter into any transaction or relationship with you. For full details of up to date service information, charges, interest rates, terms and conditions, and any special offers you should contact us by email or telephone.

Notwithstanding any information on this site, any application for credit will be subject to the Financial Provider’s usual lending criteria as applicable at the time of application, together with lending fees, transaction fees and interest as applicable at the time of application.

You may seek appropriate personalised financial advice from a qualified professional to suit your individual circumstances.



The calculators and other interactive tools provided on this web site are to be used as a guide and are intended to provide you with an indication or illustration only. The calculators and tools do not take into account your individual financial situation, goals, or objectives. Use of the calculators and tools does not constitute personalised financial advice to retail clients. Before you make any decisions based on the information obtained using these calculators and tools you should seek professional advice. The output from the calculators and tools is not an offer of finance from Max Money Group Limited. All applications for finance are subject to the lending criteria of respective lenders, and applicable fees and charges. The information collected in this calculator may be passed between calculators and our online application form.

Max Money Group Limited does not represent or warrant the accuracy, adequacy or completeness of any information provided by those calculators and interactive tools.



The information provided on this website is not a regulated financial advice to a retail client. It is not intended as a substitute for professional advice. You may seek appropriate financial advice from a qualified professional to suit your individual circumstances.

Max Money Group Limited may at any time change the information available on this website, without notice, including discontinuing all or any aspects of this site. Max Money Group Limited will not be liable for any loss or damage which may arise directly or indirectly as a result of such changes.

No content on this website can or may change any contract for products or services that you may have with Max Money Group Limited.

When transmitting your personal information over this site, you should remember that the internet is not a secure environment.



While every effort is made to ensure the information on this website is up-to-date and correct, Max Money Group Limited makes no representations or warranties of any kind, express or implied, about the accuracy, reliability, completeness, suitability or availability of the website or the information about the products and services provided on the website. The information on this website is subject to change at any time and may, at times, be out of date, inaccurate and/or incomplete. Max Money Group Limited is under no obligation, and accepts no responsibility, to update any information on this website or correct any errors in the information after it is published on the website nor does Max Money Group Limited accept any liability for any failure to do so. Any reference on this website to historical information and performance of a product or service may not necessarily be a good guide to future performance. You are solely responsible for any actions you take or do not take by relying on such information.



Every effort is made to keep the website up and running smoothly. However, Max Money Group Limited takes no responsibility for, and will not be liable for, any loss you may suffer due to the website being temporarily unavailable either during its planned maintenance or due to technical or other issues beyond our control.



The Website may provide communication tools such as email, bulletin boards, chat areas, news groups, forums and/or other message or communication facilities (“the Services”) designed to enable you to communicate with others. Unless stated otherwise the Services are for your personal and non-commercial use only.



If a particular Service requires you to open an account you will be required to complete the registration process by providing certain information and registering a username and password for use with that Service. You are responsible for maintaining the confidentiality of the username and password and also for all activities that take place under your account. You agree to immediately notify us of any unauthorised use of your password or account or any other breach of security. In no event will Max Money Group Limited be liable for any indirect or consequential loss or damage whatsoever resulting from the disclosure of your username and/or password. You may not use another person’s account at any time, without the express permission of the account holder.



We have the right to terminate your access to any or all of the Services at any time, without notice, for any reason, including without limitation, breach of these Terms and Conditions. We may also at any time, at our sole discretion, discontinue the Website/Services or any part thereof without prior notice and you agree that we shall not be liable to you or any third party for any termination of your access to the Website/Services.



Through this website you may be able to link to other websites which are neither under the control of, nor monitored by, Max Money Group Limited, and it has no knowledge of or control over the nature, content, and availability of those websites. Responsibility for the content and privacy practices of these linked websites rests solely with the owners of those websites, not Max Money Group Limited.

Max Money Group Limited does not in any way, sponsor, recommend, or endorse anything contained on these linked websites. Max Money Group Limited does not accept any liability of any description for any loss suffered by you by relying on anything contained or not contained on these linked websites.



All materials (including without limitation the Website design, text, graphics and all software and source codes connected with the Website and the Services) on this website are protected by copyright, trade marks, patents and other intellectual property rights and laws, and are the property of Max Money Group Limited unless otherwise explicitly stated. The website may also contain a number of trademarks, logos and symbols which are either owned by Max Money Group Limited or used with the approval of the symbol owner.  Nothing on the website should be construed as granting any licence to use any trade mark without the permission of the trade mark owner. Any material on this website that is identified as being subject to copyright of a third party, authorisation to use or reproduce such material must be obtained from that third party. Unless stated otherwise, you may access and download the materials located on this website only for personal, non-commercial use.

Max Money Group Limited does not claim ownership of any materials you post, upload or submit to any publicly accessible area of the Services. However, by doing so you are granting us a world-wide, royalty free, non-exclusive licence to copy, distribute, transmit, reproduce, publicly display, edit, translate or publish such Content for as long as you elect to display such Content via the Services. The licence shall be terminated when such Content is deleted from the Services.



Use of the Website/Services is at your own risk. The Website/Services are provided on an “as is” and “as available” basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.

To the extent permitted by law, Max Money Group Limited will not be liable for any indirect or consequential loss or damage whatsoever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the Website/Services.

You agree to indemnify and hold Max Money Group Limited harmless from and against any breach by you of these Terms and Conditions and any claim or demand brought against Max Money Group Limited by any third party arising out of your use of the Services and/or any Content submitted, posted or transmitted through the Services, including without limitation, all claims, actions, proceedings, losses, liabilities, damages, costs, expenses (including reasonable legal costs and expenses) howsoever suffered or incurred by Max Money Group Limited in consequence of your breach of these Terms and Conditions.

Materials on this website may contain inaccuracies and typographical errors. Max Money Group Limited does not warrant the accuracy or completeness of the materials or the reliability of any advice, opinion, statement or other information displayed or distributed through the site. You acknowledge that any reliance on any such opinion, advice, statement, memorandum, or information shall be at your sole risk. Max Money Group Limited reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the site. Max Money Group Limited may make any other changes to the site, the materials and the products, programs, services or prices (if any) described in the site at any time without notice.



If any of these Terms and Conditions should be determined to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction then such Term or Condition shall be severed and the remaining Terms and Conditions shall survive and remain in full force and effect and continue to be binding and enforceable.



To the full extent legally allowable the directors, contractors, business associates, consultants and staff of Max Money Group Limited expressly disclaim all and any liability and responsibility to any person in respect of anything, and of the consequences of anything, done or omitted to be done by any such person in reliance, whether wholly or partially, upon the whole or any part of the contents of this website. The disclaimers and limitations of liability do not prejudice your rights under the Consumer Guarantees Act 1993, nor are they intended to exclude liability arising under statute.



The information published on this website is governed by, and has been prepared to comply with, the New Zealand law. The information is only intended for persons within the New Zealand jurisdiction and is not intended for persons outside the New Zealand jurisdiction. Max Money Group Limited does not accept responsibility for the compliance of this information with the laws of any other country. The laws of New Zealand shall govern your use of this website and by visiting this website you agree to submit to the exclusive jurisdiction of the New Zealand courts.

To the fullest extent permitted by law, Max Money Group Limited will not be liable for any failure of this website to comply with the laws of any other country.



Although Max Money Group Limited regularly updates its virus protection software, it does not warrant that the server that makes the information and contents of this website available is free of viruses or bugs. You acknowledge that it is your responsibility to implement sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the correct display and/or presentation of any material contained on this website.



The page of the website contains links to important information about Max Money Group Limited. We strongly recommend you read this information before choosing your financial adviser.



ACKNOWLEDGEMENT: to the creditor, Latitude Financial Services Limited, P O Box 4058, Shortland Street, Auckland 1140 (“Latitude”).


Important Privacy Notice
I/We understand there is no obligation to provide personal information, including driver licence details, but if I/we fail to supply any information requested, or do not agree to any of the disclosures detailed in this acknowledgement, my/our application may not be accepted. I/We certify that all information contained in this application is true and correct, and where applicable, I have the permission of my spouse/partner to disclose his/her personal information.

I/We authorise Latitude to make all necessary enquiries and receive information concerning my/our credit rating, any outstanding fines, residence, employment and my/our identity from other credit providers, credit reporters, identity verification service entities, government agencies, employer, accountant, or other named persons, and where applicable, to obtain such information relating to my/our driver licence(s) from NZ Transport Agency as is authorise by the Land Transport Act 1998, for the purpose of considering this application. I/we agree that this authority may be provided to such parties for these purposes. I/We agree that my personal information may be shared with NZ Post, or any other entity employed by Latitude, for the purpose of verifying my/our identity. Throughout the loan application process, I/we also agree that my personal information may be shared with Max Loans for the purpose of completing my/our loan application. I/we consent to Max Loans emailing us any documents you may provide to them, which may contain personal information.

I/We understand that Latitude will give my/our personal information to credit reporters and that those credit reporters may hold the information on their systems and disclose it to authorised users of the credit reporters’ services. I/we also understand that information about my creditworthiness and credit history may be disclosed to any credit provider named in a credit report relating to me/us.

I/We acknowledge that if Latitude provides finance it may collect and monitor such personal information about me/us as is necessary for the administration and protection of such credit (including without limitation utilising any credit reporters monitoring services to receive updates if the information held about me/us changes), and may disclose repayment history information, details relating to my/our account, and any payment default information to credit reporters which may hold the information on their systems and disclose it to authorised uses of the credit reporters services. Latitude may also (if necessary) disclose my/our personal information to fraud reporting agencies and to any person Latitude may appoint to assist in enforcement of any agreement between Latitude and me/us.

I/We agree that where I/we have requested insurance cover through Latitude, Latitude may disclose such personal information to Hallmark Life Insurance Company Limited and Hallmark General Insurance Company Limited or any other insurer as is necessary to enable those companies to consider that request.

I/We authorise Latitude and all of its related entities to share and use all personal information held about me/us now or in the future to offer me/us now or in the future to offer me/us further finance, to consider any future application of finance from me/us, and to offer or provide me/us with details of other products and services from time to time. The personal information will be held at the offices of Latitude. Where the personal information may readily be retrieved, I/we shall have access to it and the right to request correction.

I/We agree that Latitude may communicate with me/us via mail, email or telephone (including SMS/MMS) for all purposes but understand that there may be security risks relating to the electronic transmission of information, and that Latitude cannot guarantee confidentiality. If my/our application is approved, I/we consent to all disclosure documents required for the purpose of the Credit Contracts and Consumer Finance Act 2003 being sent either by mail or in electronic form.

Gem Personal Loans are provided by Latitude Financial Services Limited (Latitude).


Financial Advice – Prescribed Statement Disclosure
You are protected by responsible lending laws. Because of these protections, the recommendations given to you by Latitude about personal loans, credit cards and any credit related insurance products are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.


Commission Disclosure
I/we understand Max Money Group Limited (FSP 564207) trading as “Max Loans” will receive a commission from Latitude Financial Services Limited for the referral and settlement of my/our personal loan application for which financial advice was received.
AUTHORISATION: to the creditor, Latitude Financial Services Limited, P O Box 4058, Shortland Street, Auckland 1140 (“Latitude”).


My Financial Adviser Authorisation
I/we understand that my/our application for credit from Latitude may be made in writing on Latitude’s forms, or electronically via Latitude’s online application system. I/we confirm that I/we wish to make an application electronically.

I/we have authorised my financial adviser to complete and submit my/our application electronically, on my/our behalf and in my/our name, and to provide any additional information or documentation requested by Latitude, as if I/we were making the application and providing such information and documentation myself/ourselves.

I /we hereby authorise Latitude to accept any application made in my/our name and to rely on such application, with no need for further enquiry as to whether the application was made by me/us or my financial adviser. I/we authorise Latitude to communicate with my financial adviser directly about my/our application and to rely upon the correctness of the content of any such application or information provided on my/our behalf by my financial adviser.



If you have any questions or comments about the Max Money Group Limited website’s Terms of Use and/or the way it affects you, please feel free to contact us by sending an e-mail request to info@maxmoneygroup.co.nz


Last updated: August 2022