Website Terms and Conditions

These terms and conditions govern the use of the MyFinance Website. MyFinance is a Trading Division of Instant Finance LTD. By using this website you accept these terms and conditions. Please read these terms in conjunction with our website Privacy Policy. We reserve the right to update or amend these Terms and Conditions at any time and your continued use of the Website/Services following any changes shall be deemed to be your acceptance of such change. It is therefore your responsibility to check the Terms and Conditions regularly for any changes.

Loan Applications

No comment in this website is to be interpreted as MyFinance making any agreement to enter into a finance transaction or relationship with any visitor to this site.

Any application for a loan from MyFinance will be subject to our usual lending criteria, together with service fees and interest charges as applicable and as will be communicated to you if credit is approved.

This website does not provide personal financial or investment advice. MyFinance strongly recommends that you seek independent advice before acting on any information on this website.

Website Content

Website information, calculators and other interactive tools on this website are intended for illustrative purposes only. MyFinance does not represent or warrant the accuracy, adequacy or completeness of any information provided by this site or by those tools.

MyFinance does not accept any liability for any loss or damage directly or indirectly arising from any information contained on this website.

We may change the information available on this website, without notice, including discontinuing all or any aspects of this site. No content on this website can effect any contract for products or services that you may have with MyFinance, even if you visit this website before entering into that contract and the final terms differ.

Website communication tools such as application forms, contact forms and news areas should not be relied upon as a user’s receipted communication to the MyFinance business. When transmitting your personal information over this site, you should remember that the Internet is not a secure environment.

User Account, Password And Security

If a specific MyFinance service requires you to open an account or register a username and password for use with that service then you are responsible for maintaining the confidentiality of your personal username and password and also for all activities that take place under that account.

You agree to immediately notify MyFinance of any unauthorised use of your password or account or any other breach of security. MyFinance will not be liable for any indirect or consequential loss or damage whatsoever resulting from the disclosure of your username and/or password. You may not use another person’s account at any time.

Breaches of these terms and conditions

Without prejudice to MyFinance’s other rights, if you breach these terms and conditions in any way, we may take such action as MyFinance deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

We also reserve the right to suspend or terminate your access to this site at any time and for any reason.

Links from this Website

This Website’s content may include links to third party websites that are controlled and maintained by others. Any link to other websites is not an endorsement of those websites and you acknowledge and agree that MyFinance is not responsible for any content or claims of any such websites.

Intellectual Property Rights & Copyright

The MyFinance website (including without limitation the website design, text, graphics and all software and source codes connected with the Website and the Services) are protected by copyright, trademarks, patents and other intellectual property rights and laws. In accessing the Website you agree that you will access the contents solely for your personal and non-commercial use. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of MyFinance as the copyright holder.


Use of the MyFinance website is at your own risk. Our website and content are provided on an “as is” and “as available” basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.

To the extent permitted by law, MyFinance will not be liable for any direct, indirect or consequential loss or damage whatsoever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the Website/Services.

MyFinance does not warrant the accuracy or completeness of the materials or the reliability of any advice, opinion, statement or other information displayed or distributed through the site. You acknowledge that any reliance on any such opinion, advice, statement, memorandum, or information shall be at your sole risk.


If any of these Terms and Conditions should be determined to be invalid, illegal or unenforceable for any reason, then such Term or Condition shall be severed from them and the remaining Terms and Conditions shall survive and remain in full force and effect and continue to be binding and enforceable.

Governing Law

The use of this website and these Terms and Conditions are to be governed by the laws of New Zealand, and any disputes arising out of the same shall be resolved by the exclusive jurisdiction of the Courts of New Zealand.

Notification of Changes

All of these terms and conditions are subject to change without notice, as and when MyFinance in its discretion decides, as also is any other material elsewhere on this site.

Questions or Comments

If you have any questions or comments about the MyFinance website’s Terms & Conditions and/or the way it affects you, please contact us by email request to