TERMS
These terms govern your use of the Diamond Financials website and the services described on it. By browsing the site, asking for advice or working with us on an application, you agree to the terms below. Please read them — we kept them short on purpose.
01Who we are
Diamond Financials ("Diamond", "we", "us") is a fictional mortgage and protection advisory presented for demonstration purposes, with an office at 32A Elliot Street, Papakura, Auckland 2110. References to lending, rates and cover on this site are illustrative and are not financial advice or an offer of credit.
02Use of this website
You may browse, link to and share this site for personal, non-commercial purposes. You agree not to misuse the site — including attempting to gain unauthorised access to it, scraping it at scale, or using it to transmit anything unlawful, misleading or harmful.
03Indications and applications
An indication is an estimate, not an approval. It is based on the information you provide and remains subject to the lender's assessment, verification and credit criteria. Lending exists only once a lender issues a written approval and the conditions set out in it are met.
04Accuracy of information
Advice depends on honest answers. You are responsible for the accuracy and completeness of the information you give us when seeking advice, applying for lending or arranging cover. Inaccurate or withheld information can delay an application or void cover.
05Lender and insurer documents control
Nothing on this website changes the terms of a loan agreement or an issued policy. If anything here conflicts with the wording of those documents, those documents control. Descriptions on the site are summaries only.
06Intellectual property
The Diamond Financials name, wordmark and the content of this site belong to us or our licensors. You may not reproduce them for commercial use without written permission.
07Privacy
Information submitted through the site — such as the contact form — is used to respond to your request and to provide advice or service. We do not sell personal information. We retain it only as long as needed for those purposes or as law requires.
08Limitation of liability
To the fullest extent permitted by law, we are not liable for indirect or consequential losses arising from your use of this website, or from reliance on general information published on it. Nothing in these terms limits liability that cannot be limited by law, or the obligations set out in a loan agreement or an issued policy.
09Changes and governing law
We may update these terms from time to time; the date above shows the latest revision, and continued use of the site means you accept the current version. These terms are governed by the laws of New Zealand, and any dispute belongs to the New Zealand courts.
10Questions
Anything unclear? Write to info@diamondfinancials.co.nz or call 0800 23 13 13 — a person will answer.