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Terms and Conditions

This website is owned and maintained by SJones Finance Limited. Please read these website
terms and conditions carefully before continuing to use or browse this web site. By accessing and
using this website you are deemed to have accepted these website terms and conditions and
agreed to be bound by them. SJones Finance Limited reserves the right to change or modify the
website terms and conditions at any time, without giving you prior notice. Any change will take
effect once posted on this website.

You must not use this website for any unlawful purpose.

1. About this Website
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.

2. Disclosure of important information
The Important Information links at the bottom of this website contains formation. I strongly recommend you read this information before choosing your financial adviser.

3. No Warranties
While every effort is made to ensure the information on this website is up-to-date and correct,
SJones Finance 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website is subject to change at any time and may, at times, be out of date, inaccurate and/or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. SJones Finance 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 SJones Finance 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.

4. No Liability
To the full extent legally allowable the directors, contractors, business associates, consultants and
staff of SJones Finance 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

4. NZ Jurisdiction
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. Mortgage
Express 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, SJones Finance Limited will not be liable for any failure
of this website to comply with the laws of any other country.

6. Virus protection
Although SJones Finance 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.

7. Linked Websites
Through this website you may be able to link to other websites which are neither under the
control of, nor monitored by, SJones Finance 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
SJones Finance Limited.
SJones Finance Limited does not in any way, sponsor, recommend, or endorse anything
contained on these linked websites. SJones Finance 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.

8. Website availability
Every effort is made to keep the website up and running smoothly. However, SJones Finance
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.

9. Calculators
Calculators 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 do not take into account your individual
financial situation, goals, or objectives. Use of the calculators does not constitute regulated 
financial advice to retail clients. Before you make any decisions based on the information obtained
using these calculators you should seek professional advice. The output from the calculators is not
an offer of finance from SJones Finance 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.

10. Intellectual Property
All materials on this website are protected by copyright and intellectual property laws and are the
property of SJones Finance Limited unless otherwise explicitly stated. The website may also
contain a number of trademarks, logos and symbols which are either owned by SJones Finance 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.

11. Cookies
By using or accessing this website, you are giving consent to SJones Finance Limited for using
cookies to collect data about each visit to this website. Cookies are text-only pieces of
information that a website transfers to an individual’s hard drive or other website-browsing
equipment for record-keeping purposes. Cookies allow the website to remember important
information that will make your use of the site more convenient. A cookie will typically contain the
name of the domain from which the cookie has come, dates and times of visits, pages accessed,
documents opened, and links clicked, and a randomly generated unique number or other value.
Like most websites, we use cookies for a variety of purposes to improve your online experience,
for analytics and for marketing.
Session cookies are temporary cookies that remain in the cookie file of your browser until you
leave the website.
Persistent cookies remain in the cookie file of your browser for much longer (though how long will
depend on the lifetime of the specific cookie). When we use session cookies to track the total
number of visitors to our website, this is done on an anonymous aggregate basis (as cookies do
not in themselves carry any personal data). We may also employ cookies so that we remember
your computer when it is used to return to the website to help customize your experience of
website use. We may associate personal information with a cookie file in those instances. Use the
options in your web browser if you do not wish to receive a cookie or if you wish to set your
browser to notify you when you receive a cookie. You can easily delete any cookies that have been
installed in the cookie folder of your browser.