Terms and Conditions

This website is owned and maintained by Capstone Mortgage Services 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. Capstone Mortgage Services 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 Capstone Mortgage Services Limited page of the website contains important information. We strongly recommend you read this information before engaging with Capstone Mortgage Services Limited.

3. No Warranties

While every effort is made to ensure the information on this website is up-to-date and correct, Capstone Mortgage Services Limited makes no representations or warranties of any kind, Room 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 The information on this website is subject to change at any time and may, at times, be out of date, inaccurate and/or incomplete. Capstone Mortgage Services 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 Capstone Mortgage Services 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 Capstone Mortgage Services 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 statute.

5. 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. Capstone Mortgage Services 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, Capstone Mortgage Services Limited will not be liable for any failure of this website to comply with the laws of any other country.

6. Virus protection

Although Capstone Mortgage Services 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, Capstone Mortgage Services 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 Capstone Mortgage Services Limited.

Capstone Mortgage Services Limited does not in any way, sponsor, recommend, or endorse anything contained on these linked websites. Capstone Mortgage Services 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, Capstone Mortgage Services 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. Intellectual Property

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

10. Cookies

By using or accessing this website, you are giving consent to Capstone Mortgage Services 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.