Holden Financial Services, provided by Heartland Bank Limited welcomes you to this website. By viewing the pages of our website you acknowledge that you have read and have accepted these Website Terms of Use and our Privacy Statement.

• Purpose
• Information on Website
• Website Links
• Applications for Credit
• Use of Information
• Jurisdiction
• Further Information

1. Purpose

   1. The purpose of these Terms of Use is to explain to the customer the terms of use on which they visit and use this website. Please read these Terms of Use carefully before using the Holden Financial Services website.
   2. These Terms of Use are to be read in conjunction with the Privacy Statement.
   3. By accessing the Holden Financial Services website, you indicate that you have read and agreed to these Terms of Use and the Privacy Statement.
   4. It is a condition of your use of this website that you observe the Terms of Use at all times.

2. Information on Website

   1. The information on this website has been provided by Holden Financial Services for informational purposes. Holden Financial Services does not warrant the accuracy or completeness of the materials on this website. Holden Financial Services does not accept any liability for any loss or damage directly or indirectly arising from any information contained on this website.
   2. Holden Financial Services may at any time change the information available on this website, without notice, including discontinuing all or any aspects of this site. Holden Financial Services will not be liable for any loss or damage which may arise directly or indirectly as a result of such changes.
   3. No content on this website can or may change any contract for products or services that you may have with Holden Financial Services.
   4. When transmitting your personal information over this site, you should remember that the internet is not a secure environment.

3. Website Links

   1. If Holden Financial Services has provided links to any third party site for your assistance, this does not imply Holden Financial Services' agreement to or endorsement of any of the information contained on the third party site.
   2. When a third party website is accessed from the Holden Financial Services site, users depart Holden Financial Services' website. Holden Financial Services will have no liability in respect of any loss or damage arising from any use of a third party link on the Holden Financial Services website.
   3. In accordance with recognised internet courtesy, should you wish to link the Holden Financial Services website to your website, consent should be sought in writing from Holden Financial Services before doing so.

4. Applications for Credit

   1. Nothing in this site is to be construed as Holden Financial Services 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 of use, and any special offers you should telephone Holden Financial Services on 0800 55 30 30.
   2. Notwithstanding any information on this site, any application for credit from Holden Financial Services will be subject to Holden Financial Services' 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.
   3. Holden Financial Services strongly recommends that you seek independent advice before acting on any information on this site. This site is not designed for the purpose of providing personal financial or investment advice.

5. Use of Information

   1. Holden Financial Services has and retains copyright and all other intellectual property rights in all information on this website.
   2. Use of this website is to be limited to non-commercial use, and no part of the information displayed on this website is to be copied or displayed for redistribution to third parties without the written permission of Holden Financial Services.
   3. No information on this website may be changed by any user.

6. Jurisdiction

   The use of this website and these Terms of Use are to be governed by the laws of New Zealand, and any disputes arising out of the same shall be resolved by the exclusive jurisdiction of the Courts of New Zealand.

7. Further Information

   Further information about this website or Holden Financial Services' products and services can be sought by calling Holden Financial Services on 0800 55 30 30.