This website at www.tccm.co.nz (the “Website”) is owned and maintained by Tai-Chi Capital Markets Limited (trading as Collinson Mortgages) (“we”, “us”, “our”). 

Please read these terms of use (“Terms”) carefully before continuing to use or browse this Website. By accessing and using this Website you are deemed to have accepted these Terms and agreed to be bound by them. 

Our current Privacy Policy forms part of these Terms. These Terms (including the Privacy Policy) form the entire agreement between us and you relating to the Website and your use of it. 

We reserve the right to change or modify the Terms at any time, without giving you prior notice. Any change will take effect once posted on this Website. 

1. About this Website 

The information on this Website is preliminary and general information only. The information provided on this Website is not, and is not intended as a substitute for, professional advice. We recommend you seek appropriate advice (including personalised financial advice) from relevant qualified professionals that suit your individual circumstances. 

2. No Warranties 

To the maximum extent permitted by law, we make no representations, warranties, and guarantees of any kind, (express, implied) including (without limitation) about the accuracy, reliability, completeness, suitability or availability of the Website or the information contained 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 The information on this Website is subject to change at any time and may, at times, be out of date, inaccurate and/or incomplete. To the maximum extent permitted by law, we are under no obligation, and we accept no responsibility, to update any information on this Website or to correct any errors in the information after it is published on the Website nor do we 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. 

3. No Liability 

To the maximum extent permitted by law, we and our directors, contractors, business associates, consultants and staff will not be liable for any damage, losses (including loss of profit, income, or saving), costs or expenses of any kind, whether direct, indirect or consequential, suffered by or incurred by you in connection with your access to or use of the Website or the information on or accessed from or through this Website. Nothing in these Terms has the effect of contracting out of your rights under the Consumer Guarantees Act 1993 or other consumer protection law that cannot be contracted out of. However, if you are using the Website or its content in trade, the Consumer Guarantees Act 1993 will not apply to you and you agree and confirm that it is fair and reasonable that the Act does not apply to you. 

4. Jurisdiction & Governing Law 

The information published on this Website is governed by, and has been prepared to comply with, New Zealand law only. The information is only intended for persons in New Zealand and is not intended for persons outside the New Zealand.. The laws of New Zealand shall govern your use of this Website and you agree to submit to the non-exclusive jurisdiction of the New Zealand courts. 

To the fullest extent permitted by law, we will not be responsible or liable for any failure of this Website to comply with the laws of any other country. 

5. Virus protection 

We do not guarantee that this Website will always be secure and free of viruses or bugs, or will be accessible without any interruption. You acknowledge that it is your responsibility to implement sufficient procedures and virus checks (including anti-virus and other security checks).

6. Linked Websites 

The Website may contain links to other websites. These websites are neither under the control of, nor monitored by us and we have no knowledge of or control over the nature, content, and availability of those websites. Responsibility for the content and privacy practices of these websites rests solely with the owners of those websites and not with us. We do not in any way, sponsor, recommend, or endorse anything contained on these websites. We do 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. 

7. Website availability 

We may change, suspend, discontinue, or restrict access to, the Website at any time (whether with respect to you or all users generally) without notice or liability to you. We take no responsibility for, and will not be liable for, any loss you may suffer due to the website being temporarily unavailable for any reason. 

8. Intellectual Property 

Any reference to “information” in these Terms includes all information on the Website (including all data, text, graphics, artwork, photographs, logos, icons, sound recordings, and videos) as well as any information linked from the Website. 

All copyright and intellectual property rights in the information contained on the Website, and all rights to that intellectual property are owned by us (or used with the approval of the relevant owner). Nothing on the Website grants, or should be construed as granting, you any licence to use any information (including, without limitation, trade marks or logos appearing on this Website) without our express written permission. Unless stated otherwise, you may access and download the materials located on this Website only for personal, non-commercial use or otherwise in relation to using or considering using any of the services we provide through the Website. 

If you wish to link to any part of the Website, you must obtain our prior written consent. 

9. Cookies 

By using or accessing this Website, you are giving consent to us to use cookies to collect data about each visit to this Website. Most web browsers are set to accept cookies. If you do not wish to accept cookies, you can set your browser to refuse them or to warn you when you are about to receive one. Like most websites, we use cookies for a variety of purposes to improve your online experience, for analytics and for marketing. 

10. Disclosure Statement 

Please refer to our Disclosure Statement (available at www.tccm.co.nz) for more information about our financial advice services