1.

General

1.1

The Website, its design, and contents are the property of Financed Technologies Limited ("Fintec").

1.2

All information displayed on the Website is based on information supplied by Fintec (unless otherwise specified),and is intended to be up to date and accurate. While every endeavour has been made to supply accurate information, errors and omissions may occur. Accordingly, Fintec does not accept any liability for any loss or damage which may directly or indirectly result from any advice, opinion, information, representation or omission, whether negligent or otherwise, contained on the Website.

1.3

Fintec reserves the right to change these terms of use at any time without notice. Any such changes will be displayed on this page of the Website.

1.4

Fintec reserves the right to suspend or cancel or any part of the Website and the services offered therein at any time without notice.

2.

Intellectual Property

2.1

You acknowledge that Fintec is the proprietor or the authorised user of all the intellectual property rights in the text, graphics and other material ("Content") displayed or available through the Website. Unauthorised use of the Content is strictly prohibited and may infringe the intellectual property rights in the Content.

2.2

Subject to these terms and conditions, Fintec welcomes your use of the Website and grants to you a non-exclusive and non-transferable single user licence to use the Content for your own private and non-commercial purposes.

2.3

We advise that no portion of the Content may be reproduced,copied, published, transmitted, or displayed without Fintec's express written permission. In particular, and without limitation, you may not, without the prior written consent from Fintec:

(a) archive the Content or any part of it;

(b) form a database whether electronically or otherwise by systematically downloading or storing all or any of the Content;

(c) redistribute or republish the Content; or

(d) link to the Website including (without limitation) linking in any way which:

(i) frames the Website;

(ii) replicates the Website;

(iii) misleads any person regarding any association with the Website;

(iv) misleads any person regarding your association with Fintec; or

(v) otherwise misleads any person whether implicitly or expressly.

3.

Advertisements and links to other websites

3.1

The links to other websites from the Website are not under the control of Fintec.

3.2

Fintec is not responsible for, and makes no representations, warranties or conditions concerning the contents of any linked website or any link contained in a linked website.

3.3

Fintec provides links to you only as a convenience,and the inclusion of any link does not imply endorsement,investigation, or verification by Fintec of the linked site.

4.

Discussion boards

4.1

The views and opinions that may be expressed on the discussion boards do not reflect those of Fintec.

4.2

By submitting information to the discussion boards, you grant Fintec the right to grant licenses to users of the Website to view and copy such information for personal use.

4.3

You must not use the discussion boards to display any material which is:

(a) in contravention of any relevant local, national, or international law or which incites or encourages the contravention of any such law;

(b) racist, sexist, or homophobic;

(c) pornographic, indecent, obscene, profane, or vulgar;

(d) defamatory of any person, entity, or organisation;

(e) abusive, threatening or otherwise likely to be harmful to persons likely to visit or use the Website;

(f) otherwise offensive in the opinion of Fintec;

(g) related to the conduct of a business;

(h) misleading or deceptive or likely to mislead or deceive or which otherwise breaches the Fair Trading Act 1986;

(i) infringes a copyright or trademark or otherwise infringes any intellectual or industrial property rights; or

(j) that breaches any right of privacy or confidentiality.

4.4

Fintec reserves the right to edit or delete any messages left on the discussion boards, including without limitation any message which contravenes the rules above.

4.5

Should you find any message which you feel is in contravention of the above rules, please let us know immediately by contacting us at: sysadmin@fintec.co.nz.

5.

Limitation and exclusion of liability

5.1

Fintec endeavors to ensure the accuracy of all content of the Website. However, this cannot be guaranteed and Fintec's liabilities are excluded and/or limited as set out below:

(a) the content of the Website is provided for information purposes only and you should not rely upon it in making or refraining from making any decision or in taking or refraining from taking any action;

(b) you agree that your use of the Website is entirely at your own risk;

(c) no warranty of any type is given by Fintec as to the accuracy, completeness or timeliness of any information provided on the Website; and

(d) you agree that the Website is provided on as "as is" and "as available" basis.

5.2

You hereby exclude Fintec from all and any losses, liabilities, claims, damages, expenses or costs (whether as a consequence of its negligence or otherwise) arising in connection with:

(a) your use or inability to use the Website or the services offered within the Website from time to time;

(b) any unauthorised access to or alterations of information provided by you;

(c) your use of any third party websites (including without limitation those that may be connected by hyperlink to the Website);

(d) any arrangements entered into with any third party in connection with any information provided by or in connection with the Website; or

(e) the inaccuracy or incompleteness of any information supplied through the Website.

6.

Indemnity

6.1

To the maximum extent permitted in law you specifically agree to indemnify, defend, and hold harmless Fintec from any and all losses, liabilities, claims, damages, expenses, or costs asserted by any third party in connection with your use of the Website relating to your use of the Website or its use by any person on your behalf.

6.2

For the purposes of clause 6.1, Website means and includes any linked site.

7.

Governing law

7.1

These terms and conditions of use and your use of the Website are governed by and construed in accordance with the laws of New Zealand.

7.2

The Courts of New Zealand shall have exclusive jurisdiction to determine any dispute in connection with such terms or use of the Website.

8.

Technical Difficulties

8.1

You acknowledge that your use of the Website and its associated services may be subject to interruption or delay. Due to the nature of the Internet, Fintec does not make any warranty that the Website or services will be error free, without interruption or delay or free from defects in design or engineering.

9.

Severability

9.1

The illegality, invalidity or unenforceability of any part of these terms and conditions will not affect the legality, validity or enforceability of the remainder of these terms and conditions.

10.

Username and Password

10.1

Users of the personalised sections of the Website will be allocated a username and password which must be used whenever requested.

10.2

The username and password are personal to you and you agree at all times to maintain the confidentiality of your username and password and not to disclose them to any third party.

10.3

You agree that you are solely responsible for any use of the Website by any person using your username and password.

10.4

You agree to indemnify Fintec against any and all claims arising out of your failure to maintain the confidentiality of your username or password.

11.

Your consent

11.1

By using the Website, you agree to these terms of use in full. You understand and agree that these terms of use constitute the entire agreement between Fintec and yourself in respect of your use of the Website.

12.

Adherence to our own terms and conditions

12.1

If you believe that Fintec has not strictly adhered to these terms and conditions we would like to hear from you. Please send any comments or complaints to: webmaster@fintec.co.nz