Below you will find important information about Monies and the service We provide. We request that you read the following terms and conditions prior to completing our application form to ensure that you are satisfied with the service we can offer you. If, after reading our terms and conditions, you do not agree with the content then we request that you do not use our service.
“Terms” means these terms and conditions;
“Users” means the users of the Website collectively;
“User Information” means the details provided by you on any application via the Website;
“We/Us/Our” means Monies;
“Website” means the Website or any subsequent URL which may replace it which is used to access Our form;
“You/Your/Customer” means a user of the Website.
“Service” means the process in which Monies matches your application with a Lender or Finance Provider.
“Voyager” means Monies.
“Lender/Provider” means the third party company who may provide you with a loan or a Loan Brokerage service and or another financial service.
We provide our service to you and therefore have no obligation to any other party, only you. In the event of a third party using our service on your behalf, then our obligation will still be with you being our customer. The terms and conditions will relate to you, our customer, and not with any other third parties.
Monies is owned and operated by Monies.
We are not a Lender or Provider and therefore We will not provide finance directly to You; We provide an online loan matching service, We will introduce You to Lenders or Providers of financial services. By submitting an application through Our Iframe form You will be giving Your consent for Voyager to match Your application with one of the Lenders or Providers on Our panel. We will present Your application in real time to one or more of Our Lenders or Providers based on their lending criteria until such time as one of Our Lenders or Providers accepts Your application or all Lenders and Providers decline Your application. If a Lender or Provider accepts Your application You will be forwarded to a page on the Lender or Provider’s Website that they have requested We direct You to or if the Lender or Provider does not work online We may present You with a screen that gives You information and contact details relating to the Lender or Provider that accepts You.
It is important to understand that We will only forward You to a Lender or Provider that has looked at Your application and accepted it as one they believe there is a good chance they can provide a loan or relevant services to You. It is also important to understand that We may be paid a fee by the Lender or Provider for introducing You to them.
There is no obligation for You to take up the loan or service you may be offered. You should read their conditions carefully and make a responsible decision on whether You believe their service is right for You. If You have any questions or are unsure You should contact the Lender or Provider before taking out any service or loan with them.
Any examples of amounts available to borrow, terms (repayment periods) or rates stated on the Lender or Provider Websites are purely given as a representative example relating to the product. These representative examples are stated to give You an understanding of the products available. Representative examples are not given as a figure of what You will actually be offered by the Lender/Finance Provider, therefore, cannot be given as a guarantee nor can they be used as any kind of warranty. As We do not provide the loan or financial service directly to You We are unable to control the representative rate examples contained on the Website. Please also be aware that the decision to offer any loan or financial service is made by the Lender or Finance Provider and We have no control over the decision making.
The Lender/Finance Provider will conduct an assessment on You before any decision or offer is made; this may include a full assessment of Your credit history both past and present.
Customer checks & referencing
Upon application the Lender or Finance Provider may use both fraud prevention and credit reference agencies to help make relevant decisions.
Credit checks and credit reference agencies can also help prevent fraudulent applications so We ask You to agree to use data provided for the purpose of preventing fraud and ensuring Your identity is protected.
Information provided by You must always be true and accurate, as misleading information will be regarded as a breach of Our terms and is likely to breach any agreement You have entered into with a Lender or Finance Provider. Misleading information may also result in the instigation of criminal procedures against You.
If You have authorised any third parties to act on Your behalf any information given by the 3rd party will be contractually binding on You. Should You choose to make a joint application for a loan or finance via the Website each party will be dealt with as a client acting with the consent of the other and if correspondence is entered into with one party of the joint application it shall be assumed that the communication is with both parties.
Information about You and visiting our website
When You use Our website and form You consent to us processing Your personal information and therefore warrant that all information/data provided by You is accurate and correct.
How your Personal Information is used
Information that is collected by us, Monies, will be recorded electronically and may be used by us in the following ways:
- To verify customer’s identity and credit standing and to enable us to consider and process your application for a loan or other products or services.
- To assess your credit history and confirm your employment details.
- To extract certain information for the purpose of generating statistics for our own internal purposes (including credit and/or behavior scoring, and market and product analysis).
- To detect, prevent and investigate actual and potential fraud and related activities.
- To develop, manage and market products and services to meet our customers’ needs and to contact customers regarding products and services that may be of interest and to determine the eligibility for different products and services that our customers may be interested in.
- To contact you in connection with your inquiry.
- To update this website to better meet our client’s needs in the future.
- To help Voyager Limited to carry out admin and service your account.
- As some of our affiliates who form part of our group are based outside of NZ then we may use your information outside NZ. If we do use your information outside NZ we ensure we have established levels of protection to ensure that your information is safeguarded.
Your data may be used for other purposes, including but not limited to, data validation, enhancement, information verification, identity verification, suppression, tracing and to the extent permitted by law, individual reference or look-up services, by selected 3rd parties.
Unless stated otherwise We may contact You via means of telephone, SMS, post or email to provide information and alerts relating to Your application and or services We think may be of interest to You.
Intellectual property rights
The copyright and material on this website & form is owned by Monies and is protected by the copyright and trademark laws of the United Kingdom. You are permitted to copy any such information for Your own personal use but may not republish, store or reproduce any such information in any manner, including but not limited to the electronic reproduction, without the prior written consent of Monies.
Any unauthorised downloading, retransmission or other copying or modification of any of the contents of this form may be in breach of statutory or common law rights which could be the subject of legal action. Monies disclaim all liability which may result from any unauthorised reproduction or use of the information on this form.
Material used on this website
All logos, names, images and information used on this website which are in regards or related to us are provided as is. Any other material or commentary material which has been posted on our website is not given to represent advice. Further to this we cannot and will not accept any responsibility or liability which has arisen from materials by any person who visits our site, the same applies to anyone who could have been informed of the content in question. Any information and articles that are used or contained in our website cannot be used as advice; it is purely as information.
Links to and from our website
Links contained within our website relating to third parties and other resources are provided for your information only. We do not accept any responsibility for them or for any loss or damage that may be caused by them due to your usage.
You may link to our website providing you do so in a way which is fair, legal and not defamatory to Monies or Monies. You must not establish a link in such a way as to imply association or endorsement where none exists. If you would like to work with us, please use our contact form to get in touch about our affiliate program.
Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our website or in connection with the use, inability to use, or result of the use of our website, any websites linked to it and any materials posted on it, including, without limitation any liability for loss of income or revenue, loss of business, loss of profits, or contracts, loss of anticipated savings, loss of data, loss of goodwill, wasted management or office time, and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence) breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above. This does not affect our liability for death or personal injury arising from our negligence, or our liability for fraudulent misrepresentation or mispresentation as to a fundamental matter, or any other liability which cannot be excluded or limited under applicable law.
The obligations and responsibilities of any breach of contract of or by us do not extend beyond the agreement with our customer and do not include any obligation to a counterparty, intermediary, bank or to any other third parties that may be connected to the customer. The customer will take full responsibility for any loss and or damage incurred by the provision of incorrect information or misleading information to us by the customer. Should the above occur and a loss arise due to us then there will be no liability held against us if this is caused by something beyond our reasonable control, including changes in the law or regulations affecting our normal operations. Apart from provisions expressly covering associate companies, nothing in these terms is enforceable by anyone who is not a party to them.
Viruses, hacking & other offenses
You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offense under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically, harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it.
If we make any changes to our Terms and Conditions
If we do make any changes to our terms and conditions, we will do so by posting the changes online. It is your responsibility to check this page frequently in order to take notice of any changes that may have occurred, as these changes will be binding to yourself. If you choose to continue to use our website after any changes have taken place, you will, therefore, be accepting our terms and conditions. In addition to the above, some of the provisions contained within the terms and conditions may also be superseded by provisions or notices that have been published elsewhere on our website.
The governing language of this agreement and any communication that takes place between the customer and us will be the English language.