These terms and conditions apply to the use of this website (Website), including the use of the information and material contained on or accessed through this Website or any Linked Website (Terms). In using this Website, you agree to be bound by these Terms. If you do not accept these Terms, you must not use the Website. These Terms must be read in conjunction with any other applicable terms and conditions governing the use of this Website.
In these Terms the expressions us, we and our are a reference to The Deck Company Limited and the reference to Linked Website is a reference to a website that can be accessed through our Website including any website of a lending institution that is accessible through this Website. 

All information and material provided by us pursuant to these Terms is provided in good faith. You agree that any information and material provided by us is general information and material and is not to be construed as financial or other advice or as a recommendation to use, or endorsement of, any particular product or service. We derive our information and material from sources which we believe to be accurate and up to date as at the date of publication. We nevertheless reserve the right to update any information and material at any time.  We have also made every effort to ensure that our comparison calculations are reliable and accurate at the time of publishing.  

We do not make any representations or warranties that the information and material contained on or accessed through this Website or any Linked Website is reliable, accurate or complete or that your access to that information and material will be uninterrupted, timely or secure. We are not liable for any loss resulting from any action taken or reliance made by you on any information or material contained on or accessed through this Website or any Linked Website. You should make your own inquiries and seek independent advice from relevant industry professionals before acting or relying on any information or material contained on or accessed through this Website or any Linked Website.

This Website may contain links to other Linked Websites. Those links are provided for convenience only and may not remain current or be maintained.
We are not responsible for the content or privacy practices associated with Linked Websites.

Our links with Linked Websites should not be construed as an endorsement, approval or recommendation by us of the owners or operators of those Linked Websites, or of any information, materials, graphics, products or services referred to or contained on those Linked Websites, unless and to the extent stipulated to the contrary. You must indemnify us against any claim by a third party arising out of your use of a Linked Website.  

Copyright:  Copyright in this Website (including text, graphics, logos, icons, sound recordings and software) is owned or licensed by us. Information and material procured from a third party may be the subject of copyright owned by that third party. Other than for the purposes of, and subject to the conditions prescribed under the Copyright Act 1994 and except as expressly authorised by these Terms, you may not in any form or by any means:  (a) adapt, reproduce, store, distribute, print, display, perform, publish or create derivative works from any part of this Website; or (b) commercialise any information, material, products or services obtained from any part of this Website, without our written permission or, in the case of third party material, from the owner of the copyright in that material.

Trade marks:  If you use any of our trade marks in reference to our activities, products or services, you must include a statement attributing that trade mark to us. You must not use any of our trade marks: (a) in or as the whole or part of your own trade marks; (b) in connection with activities, products or services which are not ours; (c) in a manner which may be confusing, misleading or deceptive; or (d) in a manner that disparages us or our information, material, products or services (including this Website).

Limitation of liability: To the maximum extent permitted by law, we do not accept responsibility, and we are not liable, for any loss or damage, however caused (including through negligence), which you may directly or indirectly suffer in connection with your use of this Website or any Linked Website.
Warranties: To the extent permitted by law, any condition or warranty which would otherwise be implied into these Terms is hereby excluded. Where legislation implies any condition or warranty, and that legislation prohibits us from excluding or modifying the application of, or our liability under, any such condition or warranty, that condition or warranty will be deemed included but our liability will be limited for a breach of that condition or warranty to the supplying of the services again.

Specific warnings:  You must ensure that your access to and use of this Website or any Linked Website is not illegal or prohibited by laws which apply to you.
You must take your own precautions to ensure that the process which you employ for accessing this Website or any Linked Website does not expose you to the risk of viruses, malicious computer code or other forms of interference which may damage your own computer system.  We do not accept responsibility for any interference or damage to your own computer system which arises in connection with your use of this Website or any Linked Website.
You acknowledge that we are a distributor, not a publisher, of content on this Website. Our editorial control is limited to the selection of information and materials to make available. Any opinions or advice by third parties whether through the Website or any Linked Websites remains the responsibility of those third parties and we do not guarantee the accuracy, completeness or usefulness of that content or its fitness for any particular purposes and we do not purport to endorse the content of those opinions or advice. 

Indemnity:  You must indemnify us and our officers and employees against any claim by a third party or any loss, costs, damages, expenses (including all legal costs and expenses incurred on a solicitor/own client basis) we incur and all actions, suits, claims, demands and other proceedings whatsoever or howsoever made or brought against us, as a consequence of:  (a) your breach of these Terms; (b) your use of this Website or any information or material which is made available to you through this Website.  

Restricted use:  Unless we agree otherwise in writing, you are provided with access to this Website for your personal use only. You may print a copy of any information or material contained on this Website for your own personal use, unless such printing is expressly prohibited. Without limiting the foregoing, you may not, without our written permission, on-sell information or materials obtained from this Website.

Security of information:  No data transmission over the Internet can be guaranteed as totally secure. Whilst we strive to protect such information and material, we do not warrant and cannot ensure the security of any information or material which you transmit to us. Accordingly, any information or material which you transmit to us is transmitted at your own risk. Nevertheless, once we receive your transmission, we will take reasonable steps to preserve the security of such information and material.

If you breach these Terms, your right to access and use this Website shall cease immediately.
Access to this Website may be terminated at any time by us without notice. Our Terms will nevertheless survive any such termination.
These Terms are governed by the laws in force in New Zealand. You agree to submit to the exclusive jurisdiction of the courts of that jurisdiction.
We accept no liability for any failure to comply with these Terms where such failure is due to circumstances beyond our reasonable control.
If we waive any rights available to us under these Terms on one occasion, this does not mean that those rights will automatically be waived on any other occasion.
If any of these Terms are held to be invalid, unenforceable or illegal for any reason, the remaining Terms shall nevertheless continue in full force.